EX-99.3 4 tm2135197d1_ex99-3.htm AMC COMPLIANCE REPORT II

Exhibit 99.3

Unique Loan ID

Borrower Name

Original Loan Amount

State

Note Date

Occupancy

Purpose

QM Status

Overall Grade

Credit Grade

Credit Exceptions

Credit Exception Information

Credit Exception Comments

Property Grade

Property Exceptions

1450001581

XXX

$XXX

9/XX/2017

Primary

Purchase

Non QM

[3] Government Documentation - Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents)
[3] Government Documentation - VA - Escape Clause is not compliant.: Disclosure: VA - Escape Clause (Government Documents)
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - An incorrect social security number was used to order the borrower's certificate of eligibility. The deceased husband was the veteran. The branch used his social security number to order the Certificate of Eligibility for the surviving spouse prior to closing. The surviving spouse was not eligible for "survivor benefits" under VA guidelines. VA did not identify their error until after the loan was closed and we moved to have the Loan Guaranty Certificate issued, at which point they denied to insure the loan.
The escape clause disclosure is not signed by the seller and does not reflect the purchase price.

REVIEWER - GENERAL COMMENT (2018-08-30): The Seller provided statement the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to
REVIEWER - WAIVED COMMENT (2018-09-11): Buyer has elected to waive the condition
REVIEWER - GENERAL COMMENT (2018-08-30): The Seller provided evidence the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to
REVIEWER - WAIVED COMMENT (2018-09-11): Buyer has elected to waive the condition
REVIEWER - GENERAL COMMENT (2018-08-30): The Seller provided evidence the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to
BUYER - WAIVED COMMENT (2018-09-10): Waived. Loan is not being purchased as VA loan.

[3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: Valuation Type: Appraisal / Valuation Report Date: 08/XX/2017

1450001580

XXX

$XXX

9/XX/2017

Primary

Purchase

Non QM

[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - Closed w/expired appraisal. We can't get MIC due to expired appraisal.
Per documents in file case cancelled post closing due to appraisal expired at closing.

REVIEWER - WAIVED COMMENT (2018-09-11): Buyer has elected to waive the condition
REVIEWER - GENERAL COMMENT (2018-08-30): The Seller provided statement the loan was not insured through FHA. Please provide guidelines and approval that the loan was approved to
REVIEWER - WAIVED COMMENT (2018-09-11): Buyer has elected to waive the condition
REVIEWER - GENERAL COMMENT (2018-08-30): The Seller provided statement the loan was not insured through FHA. Please provide guidelines and approval that the loan was approved to
REVIEWER - WAIVED COMMENT (2018-09-11): Buyer has elected to waive the condition

1450001579

XXX

$XXX

5/XX/2017

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

1450001578

XXX

$XXX

4/XX/2017

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Per work number verification borrower was employed at the time of the closing.

SELLER - GENERAL COMMENT (2018-09-24): Please waive - related to stated defect
BUYER - WAIVED COMMENT (2018-10-08): Defect was priced for at the time of bid.

1450001577

XXX

$XXX

11/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

[3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Elig Defect: DTI exceeds investor limit due to income
Borrower is missing previous employment VVOE. the borrower current employment is only for 2 months

SELLER - GENERAL COMMENT (2018-09-24): Exception referred to Buyer for review and disposition.
Please waive - Exception Related to defect stated
BUYER - WAIVED COMMENT (2018-10-08): Defect was priced for at the time of bid.
SELLER - GENERAL COMMENT (2018-10-04): w2's for previous employer uploaded
REVIEWER - GENERAL COMMENT (2018-10-04): Exception referred to Buyer for review and disposition.
Unable to verify previous employement start and end dates
BUYER - WAIVED COMMENT (2018-10-08): Related to known defect.

1450001576

XXX

$XXX

5/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

1450001575

XXX

$XXX

2/XX/2018

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - Elig Defect: First payment default - 1X30. Unable to verify.

SELLER - GENERAL COMMENT (2018-09-25): Exception referred to Buyer for review and disposition.
Please waive - Exception Related to defect stated
BUYER - WAIVED COMMENT (2018-10-08): Defect was priced for at the time of bid.
REVIEWER - GENERAL COMMENT (2018-09-25): The Seller provided a Mavent, Please provide a Fraud Report
SELLER - GENERAL COMMENT (2018-10-04): Fraud Reports are not ordered on HARP loans
REVIEWER - GENERAL COMMENT (2018-10-04): Exception referred to Buyer for review and disposition.
REVIEWER - GENERAL COMMENT (2018-09-25): The Seller provided a Mavent, Please provide a Fraud Report
SELLER - GENERAL COMMENT (2018-10-04): Fraud Reports are not ordered on HARP loans
REVIEWER - GENERAL COMMENT (2018-10-04): Exception referred to Buyer for review and disposition.

1450001574

XXX

$XXX

1/XX/2018

Primary

Refinance Cash-out - Debt Consolidation

Safe Harbor QM

[3] General - Missing Document: Verification of Non-US Citizen Status not provided
[2] Application / Processing - 1003 Error: Citizenship Source Documentation was not provided: Borrower: XXX
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Permanent Resident Alien verification was not provided
Defect reason provided on tape has been confirmed. Loan not eligible for FHA Insurance. Uninsured FHA - Collateral and credit docs signed by non borrowing spouse.
Final 1003 disclosed co-borrower as neither US Citizen or Permanent Resident Alien. Verification of status not provided.

SELLER - GENERAL COMMENT (2018-09-25): Exception referred to Buyer for review and disposition.
Please waive - Exception Related to defect stated
SELLER - GENERAL COMMENT (2018-09-25): Exception referred to Buyer for review and disposition.
Please waive - Exception Related to defect stated
BUYER - WAIVED COMMENT (2018-10-08): Defect was priced for at the time of bid.
SELLER - GENERAL COMMENT (2018-09-25): Exception referred to Buyer for review and disposition.
Please waive - Exception Related to defect stated

1450001573

XXX

$XXX

2/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed (Funds for closing not acceptable). Borrower has sufficient funds for closing, documents are within allowable age.

1450001572

XXX

$XXX

11/XX/2017

Primary

Refinance Rate/Term

Non QM

Defect reason provided on tape has been confirmed: This loan can't be insured because it isn't eligible through FHA because the borrower wasn't on title for one year and the appraised value shouldn't have been used to determine the loan amount. Title Commitment states the owner took title 12/XX/16 and the subject Note date is 11/XX/17.

BUYER - GENERAL COMMENT (2018-12-05): Cleared
REVIEWER - WAIVED COMMENT (2018-12-07): Buyer accepted the exception.
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001571

XXX

$XXX

11/XX/2017

Primary

Refinance Rate/Term

Non QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Application / Processing - Missing Document: Mortgage Loan Payoff Statement not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason on tape has been confirmed - loan not eligible for FHA Insurance. Incorrect property value used to qualify loan. Title seasoning less than 12 months requires prior purchase price to be used as property value. Loan was qualified using the current appraised value erroneously.
Payoff statement is missing from file.
Fraud report is missing from file.

BUYER - GENERAL COMMENT (2018-12-05): Cleared
REVIEWER - GENERAL COMMENT (2018-12-06): Condition not cleared.
BUYER - GENERAL COMMENT (2018-09-26): Cannot provide
REVIEWER - GENERAL COMMENT (2018-09-28): Exception referred to Buyer for review and disposition.
BUYER - GENERAL COMMENT (2018-09-26): Cannot provide
REVIEWER - GENERAL COMMENT (2018-09-28): Exception referred to Buyer for review and disposition.
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001570

XXX

$XXX

3/XX/2016

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Actual gift amount is $3500, however FHA connection was showing $1000 so it wouldn't insure--FHA case # was cancelled in Oct 2017. Paid as agreed

BUYER - GENERAL COMMENT (2018-12-05): Cleared
REVIEWER - GENERAL COMMENT (2018-12-06): Condition not cleared.

1450001569

XXX

$XXX

1/XX/2018

Primary

Refinance Limited Cash-out GSE

Safe Harbor QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Number of units discrepancy.: Appraisal number of units of 2 does not match AUS number of units of 1.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Property type discrepancy.: Appraisal property type of 2 Family does not match AUS property type of Single Family Detached.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.: Valuation Type: Drive By / Valuation Report Date: 06/XX/2018 2 Family

Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.
Defect reason provided on tape has been confirmed. Per the DU, the subject is listed as a SFR/1 unit residence and closed as such (1 unit TX A6). The subject property is actually a 2 unit detached residence. The loan does not qualify for TX-A6.

1450001568

XXX

$XXX

12/XX/2015

Primary

Purchase

Safe Harbor QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.

FHA monthly MI not disclosed. Loan was insured on 01/XX/2016 but cancelled for non-payment. UFMIP refunded & monthly MI removed.
Mortgage insurance disclosed on final 1003 and CD, but MI cert was not obtained at the time of the transaction. Notes state MI was requested 01/2016.

1450001567

XXX

$XXX

8/XX/2016

Primary

Refinance Streamlined

HUD Safe Harbor QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: this loan was uninsurable because the borrower hadn't made 6 payments before a streamline refinance. Comments: Credit report reflects mortgage reviewed for 7 months and verification of mortgage in file reflects 7 payments (2/XX, 3/XX, 4/XX, 5/XX, 6/XX, 7/XX, 8/XX).
The file is missing Mortgage Insurance Certificate and Mortgage Insurance Evidence

REVIEWER - GENERAL COMMENT (2018-09-28): The seller provided the Credit Report please provide a Fraud Report

1450001566

XXX

$XXX

8/XX/2016

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Due diligence results confirm loan defect provided
Exception information:
Investor performed random QC review 1 year after purchase and determined that initial AV was supported even though appraiser provided narrative

1450001565

XXX

$XXX

9/XX/2017

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Transaction was closed depicting subject property as an Attached PUD Townhome, with Rider to Security Instrument and Endorsement to final Title Policy reflecting this. Post-closing review determined property is legally classified as a Condominium which required appraisal be revised and updates to collateral. The project was discovered to be non-warrantable after closing which makes it not eligible to be sold to Fannie Mae.

1450001564

XXX

$XXX

7/XX/2017

Investment

Refinance Cash-out - Other

N/A

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - HOA does not maintain 10% reserves to meet fannie guidelines.

1450001563

XXX

$XXX

5/XX/2018

Primary

Purchase

Higher Priced QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has not been confirmed: Defect 1-Significant derogatory event-Foreclosure-Undisclosed foreclosure in 2013 - XXX, PA XXX within the last 7 yrs and not declared on 1003 or reflected on credit report. Unable to verify defect due to credit reports provided in the file verify this address as one of the borrower's previous addresses however, no mortgage tradelines were reported on any of the credit reports, MERS Summary and the post-close credit report dated 06/XX/2018. In addition, file is missing the required Fraud Report.
File is missing the borrower's required Fraud Report. Upon receipt of the missing Fraud Report, additional conditions may apply.

1450001562

XXX

$XXX

12/XX/2017

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Defect 1- FHA-not eligible for insuring- Loan uninsurable due to SS # for Co-Borrower is incorrect. FICO dropped and is now 563 and borrower was past due on two accounts. Comments: Co-borrower SSN incorrect on initial credit report, however, debts reflected are correct. When post-closing credit report was obtained, borrower's score has dropped below threshold due to late payments on 4 accounts since closing [XXX, XXX, XXX, XXX].

1450001561

XXX

$XXX

5/XX/2018

Investment

Refinance Cash-out - Other

N/A

1450001560

XXX

$XXX

2/XX/2018

Primary

Refinance Rate/Term

HUD Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Informed Choice Disclosure is not compliant.: Disclosure: FHA - Informed Choice Disclosure (Government Documents)

The disclosure was not provided at the time of application. the disclosure signed and dated 5/XX/2018.
Defect reason provided on tape has been confirmed -The loan closed with the wrong appraised value due to the borrower has owned the property less than 12 months. The borrower acquired the property on 9/XX/2017 and the Note date is 2/XX/2018.

1450001559

XXX

$XXX

3/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Income was calculated incorrectly. Analyst Comment: DTI ratio approved by UW is incorrect. There is no income calculation worksheet provided to determine how the figure was calculated. Comment on the FHA Loan Transmittal states "Income is base salary only. VOE supports the paystubs provided". The VOE does not support the paystubs. None of the averages support a weekly salary of $1,200 as provided on the VOE.

BUYER - GENERAL COMMENT (2018-10-19): Correct - The UW calculated the income incorrectly -
REVIEWER - GENERAL COMMENT (2018-10-22): Exception referred to Buyer for final review and disposition.
BUYER - GENERAL COMMENT (2018-12-05): Cleared
REVIEWER - WAIVED COMMENT (2018-12-07): Buyer accepted exception

1450001545

XXX

$XXX

5/XX/2017

Primary

Purchase

Non QM

[3] Credit Documentation - Credit Report Error: Credit report is missing FICO scores.: Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX
[3] Credit Calculation / Analysis - Missing Document: Alternative credit requirements are not satisfied.: Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Exception Information: Defect reason provided on tape has been confirmed. - Loan not eligible for FHA insurance. Appraisal expired before the loan was approved.
A FICO score was not provided on the credit report for this applicant.
A FICO score was not provided on the credit report for this applicant.

BUYER - GENERAL COMMENT (2018-10-03): The appraisal is dated 5/XX/17, the final is dated 5/XX/17, and the loan closed 5/XX/17.
REVIEWER - GENERAL COMMENT (2018-10-04): The appraisal provided in the file is dated 5/XX/17
REVIEWER - GENERAL COMMENT (2018-12-17): New information not provided.
BUYER - GENERAL COMMENT (2018-10-03): FHA loans allow for no scores. I am not sure what is being asked for on this.
REVIEWER - GENERAL COMMENT (2018-10-04): Please provide the complete credit report
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-10-03): FHA loans allow for no scores. I am not sure what is being asked for on this.
REVIEWER - GENERAL COMMENT (2018-10-04): Please provide the complete credit report
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001544

XXX

$XXX

6/XX/2017

Primary

Purchase

VA Safe Harbor QM

[3] Government Documentation - Initial VA Addendum 26-1802a is missing.: Disclosure: Initial VA Addendum to the Loan Application 26-1802a (Government Documents)
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.

$XXX HOI coverage the cost to rebuild was not disclosed on the appraisal. The original loan amount is $XXX. please provide Extended dwelling coverage, 100% Guaranteed Replacement Cost coverage or Lender Documented Insured Value.

1450001543

XXX

$XXX

1/XX/2018

Primary

Purchase

Temporary HPQM (GSE/Agency Eligible)

1450001542

XXX

$XXX

10/XX/2017

Primary

Purchase

Temporary HPQM (GSE/Agency Eligible)

[3] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXX
Disaster Declaration Date: 09/XX/2018

Disaster Name: XXX
Disaster Declaration Date: 09/XX/2018

Disaster was after the subject loan closing.

BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001541

XXX

$XXX

9/XX/2017

Primary

Purchase

VA Safe Harbor QM

Defect reason provided on tape has been confirmed. Borrower did not have the entitlement available at time of closing
Base on defect reason loan is VA uninsurable.

BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-05): Cleared
REVIEWER - GENERAL COMMENT (2018-12-06): Condition not cleared.
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001540

XXX

$XXX

4/XX/2018

Second Home

Purchase

Safe Harbor QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Missing Fraud Report in file or any other post closing documentation reflecting the borrower had an undisclosed foreclosure.
AUS reflects the omission of a collection in the amount of $4,337 without supporting documentation as required per condition #14 of the final DU.
The Fraud Report was missing from loan file.

1450001539

XXX

$XXX

6/XX/2017

Second Home

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Application / Processing - Missing Document: HOA Questionnaire not provided
[3] Closing / Title - Title Error: Title vesting does not concur with deed
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason on the tape has not been confirmed: Non-Warrantable Condo; budget issue. Unable to confirm due to missing Condo Questionnaire. No exception approval noted in the file.
The AUS indicates a full condo review must be completed due to the Builder being in control of the HOA, however, the condo questionnaire and full review is missing from file. Also, cannot confirm reported defect due to missing documentation.
The Security Instrument discloses the vesting as XXX, an unmarried woman and XXX, an unmarried woman versus the Final Title vesting of XXX and XXX, a single woman, as joint tenants with full rights of survivorship and not as tenants in common.
The fraud reports for the Borrowers were not provided in file.

1450001538

XXX

$XXX

7/XX/2017

Second Home

Purchase

Non QM

[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 10/XX/2017
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Credit Documentation - No evidence of fraud report in file: Credit Report: Original // Borrower: XXX
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed with unwarrantable condo; budget issues.
Post Disaster Report in file is dated 10/XX/17 which is prior to disaster end date of 10/XX/17.
Fraud Report not evidenced in file.

BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001537

XXX

$XXX

7/XX/2017

Primary

Purchase

Safe Harbor QM

Condo questionnaire not located in file. Unable to determine if condo project meets FHLMC requirements.
Income documentation requirements were not met (missing initial 4506T, Transcripts).
2016 tax transcripts are not located in file. AUS requirement was for a 4506T signed at application and closing, unless initial 4506T was executed and transcripts received prior to closing - if so, only the final is required. The Initial 4506T was not provided, and no transcripts were found in the file. Please provide either an initial 4506T or evidence that transcripts were obtained.
Inspection report in file dated prior to declared disaster end date.

1450001536

XXX

$XXX

1/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason on tape has been confirmed. Borrower to provide paystubs after closing yet not provided in loan file.

BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001535

XXX

$XXX

1/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

The Due Diligence does not confirm the defect. The CD referenced as incomplete (no issue date, missing pages) is a title company CD that does not reflect all of the required data for interest rate and monthly P&I.
Supporting documentation was not provided to verify coverage includes replacement cost.

1450001534

XXX

$XXX

2/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. -Loan not eligible due to missing homebuyer education certificate.
Not provided.

1450001533

XXX

$XXX

1/XX/2017

Second Home

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 01/XX/2017, Transaction Date: 01/XX/2017
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

From documents in file we are unable to confirm that home is not 100% complete and that Property is damaged and repairs are still on-going. Appraisal in file has property as is and no indication that it has been damaged

1450001532

XXX

$XXX

8/XX/2017

Primary

Purchase

Non QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.
[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 06/XX/2017 // Account Type: Checking / Account Number: XXX, Financial Institution: Wells Fargo Bank / End Date: 06/XX/2017 // Account Type: Checking / Account Number: XXX
[3] Government Documentation - Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Subject property uninsurable due to a non-permitted garage conversion.
Defect reason provided on tape has been confirmed. Subject property uninsurable due to a non-permitted garage conversion.
Exception set for missing bank statement to support earnest money deposit of $1000 which was wired on 5/XX/17.
The Purchase Contract in file did not include the Lead Based Paint Addendum.
Unable to locate the MIC or evidence of payment of the MI premium based on documents provided.

1450001531

XXX

$XXX

3/XX/2018

Investment

Purchase

N/A

[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Issue: Ineligible borrower
[3] Borrower Eligibility - Guideline Issue: Number of properties financed exceeds amount allowed by guidelines.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - subject property unacceptable, did not meet FNMA guidelines (> 10 properties financed, LTV in excess of guidelines for a 4 unit Investment). AUS in file does not support approval.
The Borrower is ineligible due to the number of properties financed in an Investment property transaction.
The Borrower has 12 financed properties; the FNMA guideline allows a maximum of 10 properties financed when the subject transaction involves an investment property. The Borrower was not eligible.

1450001426

XXX

$XXX

2/XX/2017

Primary

Purchase

Safe Harbor QM

Defect reason provided on tape has not been confirmed - file does not include documentation indicating borrower employment is on a 'hand shake' basis, confirmed by WVOE in file.
Documentation did not support sufficient cash to close.
Confirmed that documentation provided for assets did not support the amount needed for cash to close.
Confirmed that documentation provided for assets did not support the amount needed for cash to close.

BUYER - GENERAL COMMENT (2018-11-27): Waived
REVIEWER - WAIVED COMMENT (2018-11-27): Buyer elected to waive the exception.
BUYER - GENERAL COMMENT (2018-11-27): Waived
REVIEWER - WAIVED COMMENT (2018-11-27): Buyer elected to waive the exception
BUYER - GENERAL COMMENT (2018-11-27): Waived
REVIEWER - WAIVED COMMENT (2018-11-27): Buyer elected to waive the exception
BUYER - GENERAL COMMENT (2018-11-27): Waived
REVIEWER - WAIVED COMMENT (2018-11-27): Buyer elected to waive

1450001425

XXX

$XXX

6/XX/2018

Investment

Purchase

N/A

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $34,392.58 is less than AUS qualifying asset balance of $42,643.83.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

The file includes a copy of a closing statement for the purchase of real estate dated 6/XX/18 for a property that was not disclosed on the 1003. Adjustments to the assets based on the purchase (cash) resulted in a shortfall in cash to close and including the negative net rental income resulted in an increase in DTI beyond the AUS approval.
With the pledged amount from the investment purchase, assets do not meet the reserve requirement.

1450001424

XXX

$XXX

6/XX/2018

Second Home

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Undisclosed foreclosure on borrower's credit history. Not able to document extenuating circumstances.

BUYER - GENERAL COMMENT (2018-12-17): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-18): Buyer accepted the exceptions

1450001423

XXX

$XXX

7/XX/2017

Primary

Purchase

Safe Harbor QM

Defect reason provided on tape has been confirmed. Loan is not eligible for purchase - High Cost loan with fees of $XXX vs. $XXX allowable (5% of Loan Amount).
Post Disaster Inspection was not provided in the file.

BUYER - GENERAL COMMENT (2018-12-27): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-27): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2018-12-05): Waived
REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.

1450001422

XXX

$XXX

8/XX/2017

Investment

Purchase

N/A

[3] Application / Processing - Missing Document: Other not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape confirmed: Ineligible for agency sale due to mortgage payment history of the borrower over the most recent 12 months (at close). That history (SPS was servicer) was not reported on the credit report and was obtained separately. Borrower was 180+ days DLQ when property was sold in May 2017; proceeds from that sale were used to purchase subject property. Supported by Credit Report dated 7/XX/17 in file.
Borrower purchased 2 investment properties simultaneously. No documentation regarding the 2nd property is provided to evidence the payment, proposed rental income, or funds to close.

BUYER - GENERAL COMMENT (2018-12-27): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-27): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2018-12-07): 2nd investment property was denied by XXX (due to the primary housing payments). Her primary residence in NJ was sold on 5/XX/17. This mortgage was transferred from XXX to XXX in XXX 2016. The borrower tried to get a modification and a reduced payment with XXX. XXX denied her modification request and she then listed the home and sold it instead. It does not appear that she ever made a payment to XXX. The XXX mortgage was not on her credit report. The 1st investment property loan (this one) was already approved when we found out about the XXX mortgage. So, we went ahead and funded it, knowing that it could not go to FN/FH, but declined the 2nd investment property loan.
REVIEWER - GENERAL COMMENT (2018-12-10): Referring to buyer for review and disposition. Please review seller's comments regarding the 2nd investment property purchase situation.
BUYER - GENERAL COMMENT (2018-12-11): Waived
REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception.

1450001421

XXX

$XXX

8/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed for Flip without 2nd appraisal. There is an invoice and final CD reflects a charge for 2nd appraisal, but it was not located in the file.

BUYER - GENERAL COMMENT (2018-12-27): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-27): Buyer accepted the exceptions

1450001420

XXX

$XXX

11/XX/2016

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $21,008.51 is less than Cash From Borrower $23,860.25.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Based on the payment history in file, there was an Early Payment Default and the Agency required repurchase.

BUYER - GENERAL COMMENT (2019-02-04): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-05): Buyer accepted the issue
SELLER - GENERAL COMMENT (2018-12-06): Post Consummate CD
REVIEWER - GENERAL COMMENT (2018-12-07): Unable to cure at this time. A letter to the borrower explaining the error and evidence of borrower's receipt is required for cure.
BUYER - GENERAL COMMENT (2018-12-16): Waived
REVIEWER - WAIVED COMMENT (2018-12-17): The buyer has elected to waive this exception

1450001419

XXX

$XXX

6/XX/2017

Primary

Purchase

Non QM

[3] Government Documentation - Lead Based Paint Attachment - Attached to Purchase Contract is missing.: Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Lender Correspondence in file indicates that the coborrower had a previous foreclosure that was not disclosed in the credit report; CAIVRS indicated a foreclosure, per lender there was not a payout on the claim but FHA rejected insuring based on time since foreclosure.
Missing Mortgage insurance certificate. Loan is uninsurable due to seasoning on previous FCL (B2).
Missing Lead Based paint disclosure.

BUYER - GENERAL COMMENT (2018-12-27): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-27): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2018-12-27): Waived
REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-27): Waived
REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception.

1450001418

XXX

$XXX

8/XX/2018

Primary

Purchase

Higher Priced QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Asset Calculation / Analysis - Guideline Requirement: Available for Reserves discrepancy.: Calculated Available for Reserves of $2,152.88 is less than Guideline Available for Reserves of $11,000.00.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Lender approval required $11,000 reserves.  Only $2,152.88 remained after closing - approval indicated required funds of $25838.60, actual funds at closing were $39115.90.
Lender approval required $11,000 reserves.  Only $2,152.88 remained after closing - approval indicated required funds of $25838.60, actual funds at closing were $39115.90.
Lender approval required $11,000 reserves.  Only $2,152.88 remained after closing - approval indicated required funds of $25838.60, actual funds at closing were $39115.90.

BUYER - GENERAL COMMENT (2018-12-06): Waived
REVIEWER - WAIVED COMMENT (2018-12-07): Buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-06): Waived
REVIEWER - WAIVED COMMENT (2018-12-07): Buyer has elected to waive this exception.

1450001417

XXX

$XXX

3/XX/2018

Primary

Purchase

Higher Priced QM

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 42.12578% exceeds AUS total debt ratio of 38.52000%.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Student loan payments total $231 per month and total debt ratio is 42%.
Student loan payments total $231 per month and total debt ratio is 42.12578%.

BUYER - GENERAL COMMENT (2018-12-20): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-20): Buyer accepted exception.
BUYER - GENERAL COMMENT (2018-12-11): Waived
REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception.

1450001416

XXX

$XXX

8/XX/2018

Primary

Purchase

Higher Priced QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason on tape has been confirmed. - Loan not eligible for FHA insurance. Credit report expired 8/XX/2018 and closing date was 8/XX/2018.
Loan did not close by date in AUS.

SELLER - GENERAL COMMENT (2018-12-12): Expired Credit Report considered when accepted bid - attached LOX - please waive
REVIEWER - GENERAL COMMENT (2018-12-13): Exception is being referred to buyer for review and disposition.
REVIEWER - WAIVED COMMENT (2019-01-09): Buyer waived the exception.
SELLER - GENERAL COMMENT (2018-12-12): Expired Credit Report considered when accepted bid - attached LOX - please waive
REVIEWER - GENERAL COMMENT (2018-12-13): Exception is being referred to buyer for review and disposition.
REVIEWER - WAIVED COMMENT (2019-01-09): Buyer waived exception.

1450001415

XXX

$XXX

6/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Due Diligence results do not confirm loan defect provided. The appraisals in file reflect two different values ($XXX and $XXX) and the lower value was not used in calculating DTI - however, there was not an appraisal or indication of a value of $XXX provided in the loan file.

BUYER - GENERAL COMMENT (2019-01-07): Acknowledged
REVIEWER - WAIVED COMMENT (2019-01-07): Buyer accepted

1450001414

XXX

$XXX

1/XX/2018

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

The appraisal provided indicates that the subject property has 4 units with all four metered. The assessor's office does not recognize the 5th unit as legal-conforming The appraiser addresses the concern of the possible 5th unit, which was being vacated prior to or at origination and the borrower provided an LOX saying she planned to use the space for storage. The appraisal indicated the subject property was legal confirming. The appraiser used comparable sales with four units. Finally, the AUS was based on a 4 unit property. There is no evidence that the loan was considered a 5 unit at origination.

BUYER - GENERAL COMMENT (2018-12-18): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-19): Buyer accepted the exceptions

1450001413

XXX

$XXX

7/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Guideline Issue - Case # Assignment does not indicate "All borrowers passed SSN validation".
[3] Government Documentation - FHA - Amendatory Clause is not compliant.: Disclosure: FHA - Amendatory Clause (Government Documents)
[3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents)
[3] Government Documentation - FHA - Real Estate Certification is not compliant.: Disclosure: FHA - Real Estate Certification (Government Documents)
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Confirmed loan closed with invalid credit score due to being pulled with incorrect social security number. Social security number differs from W-2 to Credit Report and 1003.
Page 3 of the document is not signed.
Loan was not endorsed / insured. Loan is no longer agency eligible - please advise which guidelines are applicable
Document is missing all signatures.
Document is missing all signatures.

BUYER - GENERAL COMMENT (2018-12-28): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-31): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.

1450001412

XXX

$XXX

6/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents)
[3] Government Documentation - Initial HUD Addendum 92900-A is missing.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)
[1] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: 238.00
[1] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: 238.00

Loan is no longer agency eligible - please advise which guidelines are applicable
Loan is no longer agency eligible - please advise which guidelines are applicable
Defect reason provided on tape has not been confirmed for Loan originated by non-FHA approved originator. Test case loan that could not be completed by originator. Loan Originator, XXX was approved as a loan originator for the Lender and in the state of MO since 8/XX/2017. There is no data available to determine if he was approved to specifically originate FHA mortgages.
FHA- Important Notice to Homebuyer was signed at closing
FHA- Informed Choice Disclosure was signed at closing
Loan is no longer agency eligible - please advise which guidelines are applicable
Evidence of LDP/GSA was not found in the loan file
Evidence of LDP/GSA was not found in the loan file

BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-31): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-28): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.

1450001411

XXX

$XXX

6/XX/2017

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 57.85420% exceeds AUS total debt ratio of 42.13000%.
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 06/XX/2017
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

A 3rd unit adjacent to the garage is renting for $1,100 per month however is not included due to being an unpermitted living space and is defined as an ADU or Accessory Dwelling Unit by XXXk. FNMA Selling Guide does not allow accessory units on 2-4 unit properties, only on single family owner occupied properties.
Loan is no longer agency eligible - please advise which guidelines are applicable. (Income from a non-permitted ADU).

1450001410

XXX

$XXX

4/XX/2015

Primary

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: Approval not provided

BUYER - GENERAL COMMENT (2018-12-24): Waived
REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.

1450001409

XXX

$XXX

7/XX/2014

Primary

Purchase

Safe Harbor QM

[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 06/XX/2014 // Account Type: Savings / Account Number: XXX
[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 06/XX/2014 // Account Type: Checking / Account Number: XXX
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Closing / Title - Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.

XXX account was not verified with 2 consecutive months as required per AUS.
XXX account was not verified with 2 consecutive months as required per AUS.

BUYER - GENERAL COMMENT (2018-12-24): Waived
REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-24): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-24): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2018-12-24): Waived
REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2018-12-24): Waived
REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.

1450001408

XXX

$XXX

2/XX/2018

Investment

Purchase

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 54.58301% exceeds AUS total debt ratio of 33.57000%.
[3] Income Documentation - Income Docs Missing:: Borrower: XXX P&L Statement
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: FInal Closing Documents signed by Power of Attorney on behalf of borrower and a copy of a valid POA was not provided. FNMA guidelines do not allow POA for the transaction. Borrower exceeds FNMA guidelines for number of properties owned/financed and incomplete documentation was provided.
The file does not include a YTD P&L statement for the borrower's self employed business and more than 1 quarter has elapsed since the last tax returns were due.
Missing evidence of mortgage statements, verification of taxes and verification of insurance for all investment properties with the exception of the subject property.
Missing evidence of mortgage statements, verification of taxes and verification of insurance for borrowers' primary residence.
Missing P&L statement through 12/XX/2017 for 1120S
Missing evidence of mortgage statements, verification of taxes and verification of insurance for all investment properties with the exception of the subject property.
Missing evidence of mortgage statements, verification of taxes and verification of insurance for borrowers' primary residence.
Missing P&L statement through 12/XX/2017 for 1120S.
Unable to determine number of financed properties due to missing documentation.
Unable to accurately determine debt ratios due to missing documentation.
Unable to confirm income used by lender based on documents provided in the file. Missing YTD P&L for 2017.

BUYER - GENERAL COMMENT (2019-01-07): Acknowledged
REVIEWER - WAIVED COMMENT (2019-01-08): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.

1450001407

XXX

$XXX

2/XX/2018

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 57.06093% exceeds AUS total debt ratio of 33.00000%.
[3] Income Documentation - Income Docs Missing:: Borrower: XXX P&L Statement
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: LP / LPA
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

The defect reasons provided on the tape have been confirmed:  Borrower exceed the maximum number of properties allowed.  Transaction was closed using a Power of Attorney, which was not provided in the file and is not acceptable to the agency.
File does not include YTD P&L and more than one quarter has elapsed since the most recent tax filing.
Insufficient documentation to support lender's use of higher income; file does not include YTD P&L and more than one quarter has elapsed since the most recent tax filing.  Use of 2 and 3 year average results in lower income.
Loan is no longer agency eligible - please advise which guidelines are applicable.  Insufficient documentation; file does not include YTD P&L and more than one quarter has elapsed since the most recent tax filing.

1450001406

XXX

$XXX

6/XX/2016

Primary

Purchase

Higher Priced QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 05/XX/2016
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017
[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents)
[3] Income Documentation - Income Docs Missing:: Borrower: XXX, Borrower: XXX 1040 (2014), 1040 (2015), Balance Sheet, P&L Statement, Third Party Verification, VVOE - Employment Only
1040 (2015), Balance Sheet, P&L Statement, Third Party Verification
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Government Documentation - Initial HUD Addendum 92900-A is missing.: Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Partially financed UFMIP out of compliance with FHA guidelines.
Unable to confirm that the MIP was partially financed from the documents in the file.
Unable to locate in the file.
Loan is no longer agency eligible - please advise which guidelines are applicable
The loan is no longer eligible for sale to FHA; please advise which guidelines should be used to evaluate the loan.
The loan is no longer eligible for sale to FHA; please advise which guidelines should be used to evaluate the loan.

BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-07): Waived
REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.

1450001399

XXX

$XXX

10/XX/2018

Primary

Purchase

Safe Harbor QM

Due diligence results confirm loan defect provided
Exception Information:
Defect reason provided on tape has been confirmed (with defect reason)- Loan not eligible for FHA insurance.
Defect showing on AUS for proposed Monthly Payment 'Second P&I" payment; Finial & Initial 1003 for Proposed Other Financing (P&I); FHA- 92900 LT;
Finial Title Commitment for second lien; HOI Policy for 2nd mortgage clause;
Appraiser effective date 9/XX/18 is expired before loan was insured.
Based on Defect reason loan is not insured.

BUYER - GENERAL COMMENT (2018-12-24): Acknowledged
REVIEWER - WAIVED COMMENT (2018-12-24): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2018-12-24): Waived
REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.

1450001398

XXX

$XXX

8/XX/2018

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Loan closed with a POA. Fannie does allow this if the POA is recorded with the security instrument per FNMA guidelines.

BUYER - GENERAL COMMENT (2018-12-30): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.

1450001397

XXX

$XXX

8/XX/2018

Primary

Refinance Cash-out - Other

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Loan closed with two accounts delinquent at closing. Agency requires they be brought current. No prior late payments reporting on any tradelines, which suggests the late payments we encountered are anomalies. Loan closed with a credit report that was a few days expired.

BUYER - GENERAL COMMENT (2018-12-30): Waived
REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.

1450000818

XXX

$XXX

9/XX/2018

Primary

Purchase

Safe Harbor QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 07/XX/2018 // Account Type: Checking / Account Number: XXX
[3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only, W-2 (2017)
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Final CD dated 9/XX/2018 was signed on 9/XX/2018 after note date and signed on the Addendum not page 5. In addition missing income documentation that the DU approval requires.
Per DU statements covering a two month period were required - only found one month in file. Page 309 is a printout for this account but doesn't show any balances.
Missing 2017 W2 or WVOE for current job as required by DU findings.
Missing 2017 W2 or WVOE for current job as required by DU findings.
Missing 2017 W2 or WVOE for current job as required by DU findings; neither was in file.

BUYER - GENERAL COMMENT (2019-01-18): Acknowledged
REVIEWER - WAIVED COMMENT (2019-01-18): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-01-18): Waived
REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-18): Waived
REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-18): Waived
REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-18): Waived
REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception.

1450000817

XXX

$XXX

9/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed (with defect reason): Due diligience results confirm loan defect provided. Loan was originally suspended by the investor because the borrower added the word "trustee" to his signature on the Note, which negates the verbiage that he was also signing individually. Unable to sell loan.

BUYER - GENERAL COMMENT (2019-01-18): Acknowledged
REVIEWER - WAIVED COMMENT (2019-01-18): Buyer accepted the exceptions

1450000816

XXX

$XXX

7/XX/2017

Primary

Purchase

Non QM

[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Per the occupancy cert borrower will occupy - was previously occupied with XXXC however how has receiving Pension income.

BUYER - GENERAL COMMENT (2019-01-18): Acknowledged
REVIEWER - WAIVED COMMENT (2019-01-22): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-01-18): Waived
REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception.

1450000815

XXX

$XXX

9/XX/2017

Investment

Purchase

Exempt from ATR

[3] Document Error - Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: Borrower: XXX
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 08/XX/2017
Disaster End Date: 09/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2017
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

There is no Foreclosure on credit report and no public record.
Missing VISA to go with form I-797 non -immigrant worker.

BUYER - GENERAL COMMENT (2019-01-18): Acknowledged
REVIEWER - WAIVED COMMENT (2019-01-22): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-01-31): 1-797 used to document residency H1B for the approval of the loan
REVIEWER - GENERAL COMMENT (2019-02-01): Document provided (I-797A) indicates a visa was provided. Referring this issue to XXX for review and disposition.
BUYER - GENERAL COMMENT (2019-02-07): Waived
REVIEWER - WAIVED COMMENT (2019-02-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-18): Waived
REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception.

1450000814

XXX

$XXX

8/XX/2016

Primary

Refinance Limited Cash-out GSE

Temporary SHQM (GSE/Agency Eligible)

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster.: Disaster Name: XXX
Disaster Declaration Date: 08/XX/2016
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 08/XX/2016
Disaster End Date: 09/XX/2016
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2016

Based on the PDI dated 8/XX/16 in file, the appraiser did an exterior only inspection but observed that there was likely Major to Moderate damage based on neighborhood observations of post flood clean out activity.
A Catastrophic Disaster Area Property Inspection Report dated 8/XX/2016 was provided.

BUYER - GENERAL COMMENT (2019-01-23): Waived
REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-23): Waived
REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.

1450000813

XXX

$XXX

11/XX/2016

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

1450000812

XXX

$XXX

11/XX/2016

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

BUYER - GENERAL COMMENT (2019-01-23): Waived
REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.

1450000811

XXX

$XXX

2/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

[3] Asset Documentation - Aged document: Asset Account date is more than 90 days prior to the note.: Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Money Markets / Account Number: XXX Asset Account Date: 10/XX/2016
Asset Account Date: 10/XX/2016
Asset Account Date: 10/XX/2016
Asset Account Date: 10/XX/2016
Asset Account Date: 10/XX/2016
Asset Account Date: 10/XX/2016
Asset Account Date: 10/XX/2016
Asset Account Date: 10/XX/2016
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 01/XX/2017
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018

The most recent statements provided were dated 10/XX/16, more than 90 days prior tot he Note date of 2/XX/17; updated statements should have been provided.

[3] General Appraisal Requirements - The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy.: Valuation Type: Appraisal / Valuation Report Date: 01/XX/2017

1450000810

XXX

$XXX

4/XX/2017

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

1450000809

XXX

$XXX

6/XX/2017

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

1450000808

XXX

$XXX

5/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

1450000807

XXX

$XXX

11/XX/2017

Investment

Purchase

Exempt from ATR

[3] Asset Documentation - Aged document: Asset Account date is more than 90 days prior to the note.: Financial Institution: XXXt / End Date: 06/XX/2017 // Account Type: Individual Development Account / Account Number: XXX Asset Account Date: 06/30/2017
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Stocks/Bonds / Account Number: XXX
[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Checking / Account Number: XXX
[3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only, W-2
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU

Per the AUS DU, asset statements must cover a two month period.
Asset documentation for account ending XXX is more than 120 days old at the time of the Note date. Need updated account statement.
The AUS required the assets be verified with a verification of deposit or 2 months bank statements. Loan file missing 2 months bank statements for accounts ending XXX, XXX, and XXX.
The loan file is missing the VVOE and W2 for the co borrower's prior employment.
The loan file is missing 2015 W2 for for the co borrower and VVOE for the last 2 years employment.
The AUS required W2s covering the most recent 2 year period for the co borrower. The loan file only contained one year W2 for the co borrower. Loan file missing 2015 W2s. The loan file is missing lease agreements for properties 3-6.

BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.

1450000806

XXX

$XXX

8/XX/2017

Primary

Refinance Cash-out - Other

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.

File did not include required proof of receipt of SSI dependent income. Loan is no longer agency eligible - please advise which guidelines are applicable.
File did not include required proof of receipt of SSI dependent income.
$XXX shortfall. Lender insured the loan amount, however the replacement cost is $XXX (x 80% = $XXX - $XXX = $XXX shortfall). The document provided is a quote for insurance, indicates loss of rents coverage and does not identify a loss payee. Provide a declarations page with minimum coverage of $XXX or, if for a lesser amount, a reconstruction cost estimate that supports the amount of insurance with no shortfall and identifies loss payee with the "Lender its successors and assigns" verbiage. There can be no indication the policy is for an investment property.

BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.
SELLER - GENERAL COMMENT (2019-01-29): 1/29: We have spoken to the insurance agent who confirmed that the policy covers up to the replacement cost of the home, estimated at $XXX based on the most recent policy attached. The subject property is the only home our clients owns, so we do not consider occupancy an issue with regard to the homeowners 'loss of rents' coverage. We have also updated the Loss payee to include QL ISAOA.
REVIEWER - GENERAL COMMENT (2019-01-30): Received/reviewed updated information. File would need either a letter from the insurer stating their maximum coverage permitted or a replacement cost estimator from the insurer. Condition remains.
BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception.

1450000805

XXX

$XXX

10/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Asset Calculation / Analysis - AUS Findings: Available for Closing discrepancy.: Documented qualifying Assets of $20,000.00 is less than AUS Available for Closing of  $130,660.15.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $20,000.00 is less than AUS qualifying asset balance of $133,025.00.
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of  $20,000.00 is less than Cash From Borrower $150,357.31.
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 08/XX/2017
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018

Additional gift of $133,025 was not documented as received by the borrower nor was it reflected on the final CD as being paid direct to escrow.
Additional gift of $133,025 was not documented as received by the borrower nor was it reflected on the final CD as being paid direct to escrow.
Additional gift of $133,025 was not documented as received by the borrower nor was it reflected on the final CD as being paid direct to escrow.
Missing evidence of any Post Disaster Inspection.

1450000804

XXX

$XXX

10/XX/2017

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

1450000803

XXX

$XXX

10/XX/2017

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

1450000802

XXX

$XXX

11/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

1450000801

XXX

$XXX

6/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

1450000800

XXX

$XXX

3/XX/2018

Primary

Refinance Cash-out - Other

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan to value discrepancy.: Calculated loan to value percentage of 109.43662% exceeds AUS loan to value percentage of 83.55000%.
[3] Government Documentation - Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents)
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Government Documentation - VA - 1003 Section VIII Declarations E, F is not compliant.: Disclosure: VA 1003 Section VIII Declarations E, F (Government Documents)

Appraisal provided reflects a value of $XXX. Loan was approved with a value of $XXX and an LTV of 83.55%. Loan is no longer agency saleable with an LTV of 109.43662% Appraisal in file for $XXX.
VA - Loan Guaranty Certificate was not located in loan file.

BUYER - GENERAL COMMENT (2019-01-28): Waived
REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-28): Waived
REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-28): Waived
REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-28): Waived
REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.

1450000799

XXX

$XXX

2/XX/2018

Primary

Refinance Cash-out - Other

Non QM

1450000798

XXX

$XXX

3/XX/2018

Primary

Refinance Limited Cash-out GSE

VA Safe Harbor QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $0.00 is less than Cash From Borrower $835.82.
[3] Government Documentation - Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents)
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Guideline Issue - The file does not contain evidence the lender complied with the VA Required Search Requirements for and Treatment of Debts Owed to the Federal Government.

Missing from file.
VA IRRRL, no assets provided. Per the Final Approval in file, proof of assets totaling $47,000 are required.

BUYER - GENERAL COMMENT (2019-01-30): Waived
REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-30): Waived
REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-30): Waived
REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-30): Waived
REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception.

1450000797

XXX

$XXX

5/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

1450000796

XXX

$XXX

5/XX/2018

Investment

Purchase

Exempt from ATR

[3] Guideline Issue - Borrower is not currently employed.: Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 05/XX/2018, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 04/XX/2018, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 07/XX/2018, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 07/XX/2018

The VVOE's from the borrower's seasonal job states she is not employed. VOE dated 05/XX/2018 reflect borrower is working seasonally and VOE dated 07/XX/2018 shows borrower as "inactive".

BUYER - GENERAL COMMENT (2019-02-01): These issues were noted on the bid tape at the beginning of the trade. Please consider clearing these conditions.
REVIEWER - GENERAL COMMENT (2019-02-04): Referring issue to XXX for review and disposition.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.

1450000795

XXX

$XXX

6/XX/2018

Investment

Refinance Cash-out - Other

Exempt from ATR

[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.

BUYER - GENERAL COMMENT (2019-02-06): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-07): Buyer accepted it
REVIEWER - RE-OPEN COMMENT (2019-02-07): Per Buyer request
BUYER - GENERAL COMMENT (2019-02-07): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-08): Buyer accepted the exceptions

1450000794

XXX

$XXX

6/XX/2018

Investment

Purchase

Exempt from ATR

1450000793

XXX

$XXX

9/XX/2018

Primary

Refinance Cash-out - Other

VA Safe Harbor QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan to value discrepancy.: Calculated loan to value percentage of 117.36842% exceeds AUS loan to value percentage of 22.30000%.
[3] Government Documentation - Loan Guaranty Certificate is missing.: Disclosure: VA - Loan Guaranty Certificate (Government Documents)
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided

DU reflects a LTV of 22.30% yet final LTV is 117.36842%
Missing VA Loan Guaranty Certificate.
Missing LDP search.

1450000792

XXX

$XXX

5/XX/2017

Primary

Purchase

Safe Harbor QM

Defect reason provided on tape has been confirmed: COE issued on surviving spouse in error by VA, lender failed to respond to VA timely to correct. Based on denial letter from VA imaged as D151, borrower must prove eligibility member's death or cause of death occurred while on active duty or borrower must be in receipt of dependency indemnity compensation as the surviving spouse. Documentation to support borrower's qualification as the surviving spouse was not evidenced in loan file.
The escape clause was not signed by seller and purchase price is also not reflected on the clause.

1450000791

XXX

$XXX

6/XX/2018

Primary

Purchase

Non QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $11,015.63 is less than Cash From Borrower $12,304.13.
[3] Income Documentation - Income Docs Missing:: Borrower: XXX VVOE - Employment Only
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Unable to verify  an appraisal was completed with the new FHA case number.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File is missing VVOE's for prior employment of both borrowers, proof of sufficient funds to close due to lack of proof of deposit of 401K proceeds.
Funds from a 401K were used; although a copy of the liquidation check was provided, there was no supporting documentation showing the check was deposited and an additional credit was not present on the Closing Disclosure.  This resulted in a shortfall of cash to close.
Funds from a 401K were used; although a copy of the liquidation check was provided, there was no supporting documentation showing the check was deposited and an additional credit was not present on the Closing Disclosure.
The file did not include a VVOE for B1's prior employment or B2's prior employment.

BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.

1450000790

XXX

$XXX

7/XX/2018

Primary

Refinance Cash-out - Other

VA Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed (Credit score 551). Credit report in loan file shows borrower's median score was 628 dated 6/XX/18.

BUYER - GENERAL COMMENT (2019-02-05): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-06): Buyer accepted the exceptions

1450000789

XXX

$XXX

8/XX/2018

Primary

Refinance Cash-out - Debt Consolidation

Non QM

Due diligence confirms the defect. The stated defect was that the credit score is 551 - the actual middle credit score is 531.
Missing VVOE within 10 days of note date
Missing verification of XXX checking account with $8,000.00 balance, short DU reserves.
Missing verification of XXX checking account with $8,000.00 balance.
A Verbal Verification of Employment for the borrower's current employer and reserve verification was not located in the loan file
$8000.00 in XXX checking account per AUS not verified in file.

BUYER - GENERAL COMMENT (2019-02-05): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-06): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.

1450000788

XXX

$XXX

5/XX/2018

Primary

Refinance Streamlined

VA Safe Harbor QM

[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Borrower received cash back at closing, with no evidence of POC fees or transferred escrow fees. Loan not eligible for IRRRL.

BUYER - GENERAL COMMENT (2019-02-05): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-06): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-02-12): VA IRRRL guidelines do not require for LPD or GSA searches. Please remove stip.
REVIEWER - GENERAL COMMENT (2019-02-13): AMC agrees that there is no requirement to retain the LDP / GSA searches, but with out the searches we can not verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition.
BUYER - GENERAL COMMENT (2019-02-13): Waived
REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-12): VA IRRRL guidelines do not require for LPD or GSA searches. Please remove stip.
REVIEWER - GENERAL COMMENT (2019-02-13): AMC agrees that there is no requirement to retain the LDP / GSA searches, but with out the searches we can not verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition.
BUYER - GENERAL COMMENT (2019-02-13): Waived
REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception.

1450000787

XXX

$XXX

5/XX/2018

Primary

Refinance Rate/Term

VA Rebuttable Presumption QM

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 06/XX/1989
Disaster End Date: 06/XX/1989

The file does not include an inspection after the Disaster date.

BUYER - GENERAL COMMENT (2019-02-05): Waived
REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.

1450000786

XXX

$XXX

4/XX/2013

Primary

Refinance Rate/Term

[3] Loan File - Missing Document: Hazard Insurance Policy not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.

Note is IO arm - however the LP states ARM no IO
Hazard Insurance document is missing.

BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-01-25): Waived
REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception.

1450000785

XXX

$XXX

6/XX/2016

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

MI has been rescinded due to a misrepresentation of employment type and the usage of multiple SSN (linked to family members, does not seem to be Fraud related). Public records confirm his undisclosed ownership interest in his business. Two years of personal and business tax returns are missing for proper document

BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.

1450000784

XXX

$XXX

5/XX/2016

Primary

Refinance Limited Cash-out GSE

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed that the borrower was terminated before closing. Most recent VVOE provided in file is dated 05/XX/2016 and states that the borrower is still employed. Loan closed on 05/XX/16.

BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.

1450000783

XXX

$XXX

9/XX/2016

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Unable to confirm defect reason with documents in file. - Employment - Client was not employed at closing.

BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.

1450000782

XXX

$XXX

5/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Client misrepresented employment and income. We have not been able to obtain tax returns and pay stubs cannot be authenticated.

BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.

1450000781

XXX

$XXX

11/XX/2018

Primary

Refinance Cash-out - Debt Consolidation

Safe Harbor QM

[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 09/XX/2018
Disaster End Date: 10/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2018
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Appraisal Data Integrity - Valuation Error: Sales Comparison Approach value not provided.: Valuation Type: Appraisal / Valuation Report Date: 10/XX/2018
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Credit Eligibility - Public Record Issue:: Credit Report: Original // Public Record Type: Collections / Balance: 260.00, Credit Report: Original // Public Record Type: Collections / Balance: 183.00, Credit Report: Original // Public Record Type: Collections / Balance: 112.00, Credit Report: Original // Public Record Type: Collections / Balance: 71.00

Defect reason provided on tape has been confirmed. This loan needed prior approval from the VA due to certain verbiage on the Certificate of Eligibility. We obtain the approval initially but due to a loan amount change, we did not get the proper re-approval needed

BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-04): Waived
REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception.

1450000780

XXX

$XXX

6/XX/2016

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Homeready requires counseling to be completed 30 days prior to closing - was not done at all. XXX will not purchase.

BUYER - GENERAL COMMENT (2019-02-04): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-04): Buyer accepted the exceptions

1450000779

XXX

$XXX

7/XX/2018

Second Home

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Per the appraisal photos, it does appear that the subject property appears to be a Manufactured/Modular home < 600 sq ft GLA. However, appraiser fails to identify subject property as such.

BUYER - GENERAL COMMENT (2019-02-04): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-04): Buyer accepted the exceptions

1450000778

XXX

$XXX

8/XX/2012

Investment

Purchase

The Appraiser did not disclose an opinion of Market Rent on the Appraisal.   A Lease Agreement was not provided in loan file.  Using subject full PITI increases the DTI more than 3% to 42% which is out of tolerance.
A lease agreement or Appraisal with stated market rent was not provided.  Loan does not qualify without use of rental income.
Rental income appears to have been used to qualify.  However, a lease agreement was not provided and Appraiser did not disclose a market rent value on the Appraisal.  Using subject full PITI increases the DTI more than 3% to 42.85702% and therefore out of tolerance.

BUYER - GENERAL COMMENT (2019-02-13): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-14): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-02-13): Waived
REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-13): Waived
REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception.

1450000777

XXX

$XXX

4/XX/2017

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Due Diligence review confirms B2 has less than the required 2 year job history, but fails to find misrepresentation; data used for the approval was present in the file at the time of origination and was not sufficient at that time.

BUYER - GENERAL COMMENT (2019-02-13): Waived
REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception.

1450000776

XXX

$XXX

10/XX/2018

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed. - Occupancy mis-representation, loan purchased as an Investment Property; home is actually primary home. Documents in file reflect occupancy as investment. Occupancy Certification signed certifying that borrower does not intend to occupy the property as primary or second home.

BUYER - GENERAL COMMENT (2019-02-11): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-12): Buyer accepted the exceptions

1450000775

XXX

$XXX

12/XX/2018

Primary

Purchase

Higher Priced QM

[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 2.03 is less than Guideline PITIA months reserves of 12.00.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Broker application date of 11/XX/2018 and the initial LE dated 11/XX/2018. Unable to change broker's application date. The initial 1003 provided with the original loan package reflects all required information for complete application requirements.
Per XXX program guidelines LTV > 70% or Loan Amount > $1,000,000 requires 12 Months Principal & Interest payment

BUYER - GENERAL COMMENT (2019-03-01): Acknowledged
REVIEWER - WAIVED COMMENT (2019-03-06): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-02-14): Defect reason is short on reserve. Not able to provide more asset.
REVIEWER - GENERAL COMMENT (2019-02-15): Defect reason provided to review was for timing of LE after Broker application date. If insufficient reserves was a Lender approved exception, please provide the exception for buyer's review and disposition.
BUYER - GENERAL COMMENT (2019-03-06): When this went S&D the finding came back from the S&D lender saying 12 months P&I reserves were required, which means they were looking at the guideline for the wrong program. This was the XXX program and only 3 months full PITI were required. Based on the PCCD borrower's actual cash to close was $50,710.99, and verified funds were $55,234.79 leaving $4613.80 in Post Closing Reserves when $4,741.29 was required. This means we only had $127.49 shortage.
REVIEWER - GENERAL COMMENT (2019-03-06): The guidelines used by Lender for approval were not provided for review, therefore unable to determine correct amount of reserves required. Condition remains.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception.

1450000774

XXX

$XXX

8/XX/2018

Investment

Purchase

Exempt from ATR

Defect reason provided on tape has been confirmed as the Borrower's primary residence hazard insurance monthly amount has not been established and is missing from subject file to confirm PITI on primary residence Qualifying Housing and Total ratios.
As disclosed on Defect reason - Missing Borrower's primary residence hazard insurance monthly amount to confirm PITI for Qualifying Housing and Total ratios.
Based on Defect reason - Variance due to primary residence insurance and taxes being included in DTI.

BUYER - GENERAL COMMENT (2019-02-11): YES, the Borrower's primary residence hazard insurance monthly amount was missing from the debt service. I just uploaded the primary residence Haz Ins under another condition.
REVIEWER - GENERAL COMMENT (2019-02-12): Received primary residence hazard policy, however debt ratio still exceeds DU maximum therefore is no longer agency eligible. please advise which guidelines are applicable
BUYER - GENERAL COMMENT (2019-02-12): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-13): Buyer accepted the exceptions
SELLER - GENERAL COMMENT (2019-02-11): Haz Ins for primary residence
REVIEWER - GENERAL COMMENT (2019-02-12): Received primary residence hazard policy, however debt ratio still exceeds DU maximum therefore is no longer agency eligible. please advise which guidelines are applicable
BUYER - GENERAL COMMENT (2019-02-12): Waived
REVIEWER - WAIVED COMMENT (2019-02-13): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-11): YES, the Borrower's primary residence hazard insurance monthly amount was missing from the debt service. I just uploaded the primary residence Haz Ins under another condition.
REVIEWER - GENERAL COMMENT (2019-02-12): Received primary residence hazard policy, however debt ratio still exceeds DU maximum therefore is no longer agency eligible. please advise which guidelines are applicable
BUYER - GENERAL COMMENT (2019-02-12): Waived
REVIEWER - WAIVED COMMENT (2019-02-13): The buyer has elected to waive this exception.

1450000773

XXX

$XXX

9/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] General Appraisal Requirements - Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type.: Valuation Type: Appraisal / Valuation Report Date: 09/XX/2018 Condo (Low Rise)

Appraisal Form 1004/70 is not the proper form for Condominiums. Subject is a 1 unit detached condo (stand alone).
Confirmed, borrower with previous foreclosure on Drive report for XXX, VA as of 4/XX/2013.

BUYER - GENERAL COMMENT (2019-02-25): Waived
REVIEWER - WAIVED COMMENT (2019-02-26): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-02-25): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-26): Buyer accepted the exceptions

1450000772

XXX

$XXX

6/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Insurance Eligibility - MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the final Closing Disclosure.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Final CD was not provided at closing. CD disclosed on 6/XX/18 was used as final for testing. A CD dated at time of closing is found in file, however is indicated as "Preliminary" and is incomplete.

BUYER - GENERAL COMMENT (2019-02-22): Acknowledged
REVIEWER - GENERAL COMMENT (2019-02-26): Client acknowledged the exception
BUYER - GENERAL COMMENT (2019-02-22): Waived
REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition

1450000771

XXX

$XXX

8/XX/2018

Investment

Refinance Rate/Term

N/A

[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed LPA in file reflects Caution at the current LTV.
Hazard insurance insufficient coverage: Loan Amount $XXX, estimated cost new $XXX and appraised value $XXX.

BUYER - GENERAL COMMENT (2019-02-26): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-27): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-02-26): Waived
REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception.

1450000770

XXX

$XXX

5/XX/2015

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed (with defect reason). Comps did not support the value of the home on the appraisal. The home appraised for too much. In UW's opinion, appraisal closed comps sales do support value of $XXX. Comp #1 adjusted sales price is almost $10k higher than subject's value & comps #2 adjusted sales price is within 5% of subject's value. Allso, all three sale comps are within 1 mile proximity of subject, sold within 1 year of subject & net/gross adjustments are within FNMA/FHLMC limits.

BUYER - GENERAL COMMENT (2019-02-26): Acknowledged
REVIEWER - WAIVED COMMENT (2019-02-27): Buyer accepted the exceptions

1450000769

XXX

$XXX

9/XX/2017

Primary

Refinance Cash-out - Other

Safe Harbor QM

[3] Government Documentation - Loan Guaranty Certificate is missing.: -
[3] General - VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by Lender between the application date and the loan closing date.: - Originator App Date:
Creditor App Date: 08/XX/2017
Disclosure signed by Lender: 11/XX/2017
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - defect cited as borrower having no VA eligibility due to prior foreclosure; however file did not contain the borrower's Certificate of Eligibility so whether or not he had eligibility or how much could not be confirmed.
The lender signed the Addendum to URLA on 11/XX/2017, which was after closing.

1450000768

XXX

$XXX

10/XX/2017

Primary

Purchase

Non QM

[3] Guideline Issue - Case # Assignment does not indicate "All borrowers passed SSN validation".
[3] Miscellaneous - Credit Exception:
[3] Government Documentation - FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.: -
[3] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.: -
[3] Government Documentation - FHA MIP Error: Missing evidence of case number assignment date.
[3] Application / Processing - Missing Document: Purchase Agreement / Sales Contract not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Per title this is a flipped property.
The original appraisal dated 9/XX/2018 reflects an appraised value of $XXX, which is less than the purchase price of $124,900XXX; by using the lower of purchase price or appraised value, the resulting LTV/CLTV is 98.19%. The DU/AUS approved an LTV/CLTV of 95.80%. Missing corrected DU reflecting updated LTV/CLTV.
The Purchase Agreement in file reflects a closing date on/or before 9/XX/2017; subject closed on 10/XX/2017. Missing closing date extension to sale contract.
The initial HUD-9200-A is not signed by the borrower; non-compliant.
DE statement of appraised value is not signed by the underwriter; non-compliant.
Missing case # assignment; UTD.
Missing case # assignment; UTD.

BUYER - GENERAL COMMENT (2019-03-01): Acknowledged
REVIEWER - WAIVED COMMENT (2019-03-05): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-03-01): Waived
REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-01): Waived
REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-01): Waived
REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-01): Waived
REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-01): Waived
REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-01): Waived
REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.

1450000767

XXX

$XXX

11/XX/2018

Second Home

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason was confirmed.
DTI exceeded, there was a 2nd rental property identified on final 1003 that was not captured in lenders calculations - almost $900 in additional debt. No rental income docs available to use to offset increase
Missing MI Cert only provided a quote mi

BUYER - GENERAL COMMENT (2019-03-04): Waived
REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-04): Waived
REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-04): Waived
REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception.

1450000766

XXX

$XXX

8/XX/2018

Second Home

Purchase

Non QM

[3] Miscellaneous - Credit Exception:
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has not been confirmed: Income not qualified correctly. DTI 56.0%. DTI per review is 45.24809%.
Loan is not an agency fallout loan and a copy of the guidelines used by the Lender to qualify were not provided.

BUYER - GENERAL COMMENT (2019-03-07): Waived
REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-07): Waived
REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception.

1450000765

XXX

$XXX

10/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Review of credit supplement for new debt opened 09/2018 and qualifying property tax calculation confirm DTI exceeds DU findings of 49.90%; rough estimate for annual property taxes of $1500.00 still exceeds DU findings DTI.

BUYER - GENERAL COMMENT (2019-03-04): Waived
REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception.

1450000764

XXX

$XXX

5/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

The defect reason provided on the tape could not be confirmed -- borrower had a prior foreclosure that was not on the credit report. None of the documents in the loan file confirmed the existence of the prior foreclosure so the defect could not be confirmed.

BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-06): Client elected to waive the condition

1450000763

XXX

$XXX

8/XX/2018

Primary

Purchase

Non QM

[3] Government Documentation - FHA - Amendatory Clause is not compliant.: -
[3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: -
[3] Government Documentation - FHA - Real Estate Certification is not compliant.: -
[3] Guideline Issue - FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.: Borrower's total contribution is 3.47907% ($9,010.78).
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 08/XX/2018, Transaction Date: 08/XX/2018
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Credit Eligibility - Public Record Issue:: -
[1] Credit Eligibility - Public Record Issue:: -

4000.1 requires letter of explanation from borrower for all charge-offs, missing from file.
4000.1 requires letter of explanation from borrower for all charge-offs, missing from file.
Defect reason provided on tape has been confirmed. Ineligible for a manual FHA Underwrite due to credit history. 4000.1 requires no installment or mortgage lates within last 12 months for manual UW. Borrower has two 30 day installment lates dated 4/2018 and 5/2018.
Not signed by sellers.
DE signature missing, required for manual UW.
$1495.00 shortfall.
Hazard Insurance Policy Effective Date 08/XX/2018, Transaction Date: 08/XX/2018
Not signed by seller.

BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-06): Waived
REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.

1450000762

XXX

$XXX

9/XX/2017

Primary

Purchase

Higher Priced QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. UW issue/income source: gift fund documentation in the file show it came from a related party and the address on the bank statements to source the gift are the same as the subject property. As they (the borrower and the donor) were purchasing the property they were renting. This product requires that we document the income of all occupants of the property to support they are within the income limits of the program. There was no income documents for donor, related party. Seller held DPA 2nd for $15,000.00. XXX

BUYER - GENERAL COMMENT (2019-03-12): Waived
REVIEWER - WAIVED COMMENT (2019-03-18): The buyer has elected to waive this exception.

1450000761

XXX

$XXX

6/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.
[3] Asset Calculation / Analysis - AUS Findings: Available for Closing discrepancy.: Documented qualifying Assets of $24,914.39 is less than AUS Available for Closing of $26,603.62.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 0.00 is less than AUS PITIA months reserves of 3,127.83.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $24,914.39 is less than AUS qualifying asset balance of $70,000.00.
[3] General - Employer is on FNMA fraudulent business list.: -
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed.
*Misrep of employment.  The borrower's employer did not exist. The employer list is a part of FNMA's fraudulent employer list.
*Assets,The transfer of gift funds was not documented. $65,000 no evidence of transfer from donor / funds excluded from available assets.
No evidence of $65,000.00 transfer from donor / funds excluded from available assets.
No evidence of $65,000.00 transfer from donor / funds excluded from available assets.
No evidence of $65,000.00 transfer from donor / funds excluded from available assets.
Loan defect confirmed as a result of the employer being on the FNMA list.
The full transfer and confirmation of all gift funds was not confirmed resulting in a shortfall of assets to close the transaction.  This is a confirmed defect of this loan.
The employer is not a valid employer and deemed to be fraudulent.  In addition, the 2017 W-2 was not supplied as required.

BUYER - GENERAL COMMENT (2019-03-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-03-20): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-03-19): Waived
REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-19): Waived
REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-19): Waived
REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-19): Waived
REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-19): Waived
REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-19): Waived
REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.

1450000760

XXX

$XXX

2/XX/2018

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. The seller contributions on the subject transaction exceed the maximum allowable seller contributions. Exceeds 2% contribution per seller guides for Investment property..

BUYER - GENERAL COMMENT (2019-03-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-03-20): Buyer accepted the exceptions

1450000759

XXX

$XXX

1/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - Misrep of employment. The loan closed 1/XX/18. Borrower was not employed as of 12/XX/17. Loss of income increases DTI to 56%.
Work number verification of employment completed on 12/XX/2017 confirms borrower is an active employee with a start date of 5/XX/1995.
Work number verification of employment completed on 1/XX/2018 confirms borrower is an active employee with a start date of 5/XX/1995.
VVOE completed on 1/XX/18 confirms borrower is currently employed with a start date of 5/XX/1995.

BUYER - GENERAL COMMENT (2019-03-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-03-20): Buyer accepted the exceptions

1450000758

XXX

$XXX

8/XX/2018

Investment

Purchase

Exempt from ATR

[3] Asset Documentation - Aged document: Asset Account date is more than 90 days prior to the note.: - Asset Account Date: 03/31/2018
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed : all loans now current, were late payers within first 90 days.
XXX policy statement exceeds 90 days.

BUYER - GENERAL COMMENT (2019-03-26): Waived
REVIEWER - WAIVED COMMENT (2019-03-27): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-26): Waived
REVIEWER - WAIVED COMMENT (2019-03-27): The buyer has elected to waive this exception.

1450000757

XXX

$XXX

5/XX/2018

Primary

Purchase

Non QM

Do not agree with defect of missing W-2 for the previous year. The borrower was a student the previous year and started employment on 01/XX/2018, therefore there was no W-2 for the previous year.

1450000756

XXX

$XXX

12/XX/2018

Primary

Purchase

Higher Priced QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Property type discrepancy.: Appraisal property type of 2 Family does not match AUS property type of Single Family Detached.
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $3,345.31 is less than Cash From Borrower $4,738.23.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Property has 2 Units but AUS run with 1. S&D
*The subject property is verified as a 2 unit residential property as confirmed on the Appraisal in the loan file.
Per Appraisal subject property is a two unit dwelling not a single family.

BUYER - GENERAL COMMENT (2019-03-29): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-01): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-03-29): Waived
REVIEWER - WAIVED COMMENT (2019-04-01): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-03-29): Waived
REVIEWER - WAIVED COMMENT (2019-04-01): The buyer has elected to waive this exception.

1450000733

XXX

$XXX

12/XX/2018

Primary

Purchase

Higher Priced QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $14,269.97 is less than AUS qualifying asset balance of $15,545.70.
[3] Government Documentation - FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Loan has an Identity of Interest and LTV cannot exceed 85%.  Loan is no longer eligible for FHA financing.
Defect reason provided on tape has been confirmed : Uninsured FHA loan due to identity of interest.  Max LTV should have been limited to 85% because borrower did not live in the property for a full 6 months prior to contract date.  Borrower also has greater than 1K in disputed accounts, so loan should have been manual underwrite.  Borrower does not have the one month PITIA reserves required for manual underwrite.
XXX account ending #XXX is in the name of Buyer's spouse only.  Per FHA guidelines, A full access letter from spouse is required, but is missing.
The issue date of document is 12/XX/2018.  However, the date of the Appraisal is 12/XX/2018.
Missing a full access letter from Buyer's spouse per FHA guidelines for the XXX account ending #XXX.

BUYER - GENERAL COMMENT (2019-04-02): Waived
REVIEWER - WAIVED COMMENT (2019-04-03): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-02): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-03): Buyer accepted the exceptions
BUYER - GENERAL COMMENT (2019-04-02): Waived
REVIEWER - WAIVED COMMENT (2019-04-03): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-02): Waived
REVIEWER - WAIVED COMMENT (2019-04-03): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-02): Waived
REVIEWER - WAIVED COMMENT (2019-04-03): The buyer has elected to waive this exception.

1450000732

XXX

$XXX

2/XX/2019

Primary

Refinance Cash-out - Other

Higher Priced QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 3.26 is less than AUS PITIA months reserves of 4.00.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed : HPML
4 months reserves required per AUS. 3.26 months per review.

BUYER - GENERAL COMMENT (2019-04-03): Waived
REVIEWER - WAIVED COMMENT (2019-04-04): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-03): Waived
REVIEWER - WAIVED COMMENT (2019-04-04): The buyer has elected to waive this exception.

1450000731

XXX

$XXX

8/XX/2017

Primary

Refinance Rate/Term

Higher Priced QM

Disclosure was provided and signed by borrowers at closing on 08/XX/17.
Defect reason provided on tape has been confirmed. Final inspection of completed work was not provided on 203k loan.
Initial 92900-A was not provided.
Document was provided and signed at closing by borrowers.
Assets required from borrower at closing exceeds amount of assets verified with bank statements.
Mortgae insurance cert was not provided for loan with documents.
All conditions were not met. Loan required final inspection or 2nd appraisal of completed work.
Dwelling coverage amount is $XXX.

BUYER - GENERAL COMMENT (2019-04-05): Waived
REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-05): Waived
REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-05): Waived
REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-05): Waived
REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-05): Waived
REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-05): Waived
REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-05): Waived
REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.
SELLER - GENERAL COMMENT (2019-06-27): Insurance
REVIEWER - GENERAL COMMENT (2019-06-28): Hazard insurance doc provided has 2019/2020 policy period. Loan closed 2017. Coverage shortfall of $XXX remains.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.

[3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: -

1450000730

XXX

$XXX

10/XX/2015

Second Home

Purchase

Safe Harbor QM

Defect reason provided on tape has not been confirmed - Value not supported.
*After a review of the origination appraisal in the loan file which is dated 9/XX/2015 and a Field Review Report dated 10/XX/2015, it appears the data collected from each company supports a final determination of $XXX. It is noted on both reports that limited sales of dwellings similar to the subject, the appraiser acquired other comparables in other major thoroughfares with had no effect on the value or marketability.

1450000729

XXX

$XXX

7/XX/2015

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed : Appraiser selected by AMC was on investors ineligible list.
*Unable to confirm loan defect reason through loan documentation.

BUYER - GENERAL COMMENT (2019-04-04): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-05): Buyer acknowledged the exception

1450000728

XXX

$XXX

4/XX/2017

Primary

Purchase

Safe Harbor QM

Defect reason provided on tape has been confirmed - The loan file is missing evidence the borrower completed the required Homebuyer Education Counseling prior to closing.

BUYER - GENERAL COMMENT (2019-04-04): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-05): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-04-04): Waived
REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception.

1450000727

XXX

$XXX

10/XX/2015

Primary

Refinance Cash-out - Other

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Credit Eligibility - Public Record Issue:: -

Documentation showing the lien was paid was not found in the file
Defect reason provided on tape has been confirmed: Second appraisal ordered in error and not allowed by FHA. No material changes in value between the two, but unable to insure with FHA.

BUYER - GENERAL COMMENT (2019-04-04): Waived
REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-04): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-05): Buyer acknowledged the exception

1450000726

XXX

$XXX

9/XX/2018

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 52.91333% exceeds AUS total debt ratio of 49.61000%.
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed; IRA distribution income was miscalculated and added twice. Once removed, DTI increased to 52.55% and AUS is reflecting ineligible findings.
The loan file is missing award letters or additional verification of "Other"income.
The AUS allowed a DTI of 49.61%; however review determined, based on the income letter of explanation added to the 1040, that income should include Pension, interest dividends and social security income based on the 2017 tax return. Additionally, effective 08/XX/2018, an IRA distribution began in the amount of $5,600 monthly. Based on the 2017 tax return, Pension, social security and Interest Dividends account for $5,643.50 monthly resulting for a decrease in monthly income of $734.09 from what was used for qualifying resulting in an excessive DTI.

BUYER - GENERAL COMMENT (2019-04-08): Waived
REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-08): Waived
REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-08): Waived
REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.

1450000725

XXX

$XXX

6/XX/2018

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Income Documentation - Income Docs Missing:: - CPA Letter, Paystubs
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Loan defect of missing Engineer Certificate was confirmed as there is no Engineer Certificate in the file; however, it cannot be confirmed if this was actually an investor requirement as stated and it appears to have been waived per Approval and Lender Correspondence in file.
Missing pay stub from current employer.
Missing pay stub for current employment. Missing CPA letter to confirm start and end date of prior business-XXX
Missing pay stub from current Employer - WVOE was done prior to start date and does not reflect any income yet.

BUYER - GENERAL COMMENT (2019-04-08): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-09): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-04-08): Waived
REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-08): Waived
REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-08): Waived
REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.

1450000724

XXX

$XXX

7/XX/2018

Primary

Purchase

Higher Priced QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason on tape has been confirmed. HPML issue: On the HPM, the lock date shows as 6/XX/18, the Fed rate that day was 4.650%, the APR is 6.179%, the difference is 1.529% which makes this an HPML.

BUYER - GENERAL COMMENT (2019-04-08): Waived
REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.

1450000723

XXX

$XXX

9/XX/2018

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $3,242.49 is less than AUS Available for Reserves of $3,917.00.
[3] Government Documentation - FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.: -
[3] Government Documentation - FHA Loan Transmittal (92900-LT) is missing.: -
[3] Government Documentation - Final HUD Addendum 92900-A is missing.: -
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[3] Government Documentation - Real Estate Certification is missing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Loan Designation per Mavent HUD Safe Harbor QM.
Defect reason provided on tape has been confirmed. File closed with a .85 MI FHA factor for 120 months instead of the life of the loan.
*Per FHA guidelines MIP must be for term of loan if LTV is greater than 95%. The initial Addendum to the Application reflects a term of 120 months. However, other verification of the MIP term such as final Addendum, Mortgage Insurance Certificate and FHA Case Query is missing.
Short reserves: $3,917.00 verified: $3,242.49 required per AUS.
Missing FHA - Real Estate Certification.
Missing FHA - Loan Transmittal (92900-LT).
Missing FHA - Final HUD Addendum to the Loan Application 92900-A.
Missing FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B).
Missing Mortgage Insurance Certificate and Mortgage Insurance Evidence.
Missing Limited Denials of Participation.
Missing General Services Administration document.

BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-10): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.

1450000722

XXX

$XXX

12/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - defect was occupancy concerns, large unsourced deposits and questionable leases from family members.

BUYER - GENERAL COMMENT (2019-04-09): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-10): Buyer acknowledged the exception
REVIEWER - RE-OPEN COMMENT (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM
REVIEWER - WAIVED COMMENT (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM

1450000721

XXX

$XXX

11/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: AUS not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: Master condo policy only covered liability insurance. Borrowr refused to obtain sufficient coverage.
*Twelve months H06 insurance was collected on final Closing Disclosure and HOA Blanket policy provided. No other evidence of defect located.
Missing AUS.

BUYER - GENERAL COMMENT (2019-04-09): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-10): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-04-09): Waived
REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.

1450000719

XXX

$XXX

12/XX/2017

Primary

Refinance Cash-out - Debt Consolidation

Non QM

[3] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) is not compliant.: -
[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.: -
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -

Confirmed: borrower has another FHA loan and does not qualify for multiple FHA loan program.
FHA - Important Notice to Homebuyer (92900-B) not dated within 3 days of application.
FHA - Initial HUD Addendum to the Loan Application 92900-A missing borrower and lenders signatures.
FHA - Informed Choice Disclosure not dated within 3 days of application.
FHA - Important Notice to Homebuyer (92900-B) not signed by borrowers.
MI certificate not in file

BUYER - GENERAL COMMENT (2019-04-10): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-11): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-04-10): Waived
REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-10): Waived
REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-10): Waived
REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-10): Waived
REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception.

1450000718

XXX

$XXX

9/XX/2016

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect Reason provided on tape has been confirmed - FHA Connection indicates that loan must be manually underwritten. Borrower does not have sufficient reserves for manual underwrite.
FHA Connection indicates that loan must be manually underwritten. Borrower does not have sufficient reserves for manual underwrite. Uninsurable. UFMIP refunded & monthly MI removed.

1450000717

XXX

$XXX

5/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.60 is less than Guideline PITIA months reserves of 3.00.
[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 05/XX/2018, Transaction Date: 05/XX/2018
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Per the guidelines, the borrower should have closed with 3 months of reserves. The borrower closed with no months of reserves per the loan file.
The policy provided in the loan reflects an effective start date as 5/XX/2018.
The borrower did not provide sufficient amount of reserves when closing.

BUYER - GENERAL COMMENT (2019-04-22): Waived
REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-22): Waived
REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-22): Waived
REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception.

1450000716

XXX

$XXX

4/XX/2018

Primary

Purchase

Non QM

This is a disputed collection and lender did not obtain the required documentation.
Defect reason provided on tape has been confirmed - DTI exceeds max allowed for manual underwrite.  Loan was approved at 45.4/46.9%.  Debt was erroneously omitted.  Large deposit not sourced/documented.  When omitted debt added ratios go up to 45/53%.

1) The installment payment of $104 should not have been excluded since it exceed 5% of the Borrower's total income.
2) The large deposit of $3,600 was excluded from assets since it was not sourced.  Therefore, Borrower is short funds to close and does not have the required 1 months reserves for a manual underwrite.
File is missing the source document and letter of explanation regarding the large deposit of $3,600.00
File is missing the source for the large deposit in the amount of $3,600.00

BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.

1450000715

XXX

$XXX

4/XX/2018

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $3,921.68 is less than AUS Available for Reserves of $36,797.00.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $13,806.63 is less than AUS qualifying asset balance of $46,786.47.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Insufficient funds. Assets actually verified are less than the amount that was entered in DU. Uninsurable.
Defect reason provided on tape has been confirmed - Insufficient funds. Assets actually verified are less than the amount that was entered in DU. Uninsurable. Asset checking account from XXX of $45,000 on the DU was not provided or verified in loan file.
Short reserves. Missing XXX statement.
Missing $45,000 XXX statement.

1450000714

XXX

$XXX

6/XX/2018

Primary

Purchase

Non QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Income Documentation - Income Docs Missing:: - Award Letter / Continuance Letter
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
[1] Credit Eligibility - Public Record Issue:: -

Missing letter of explanation for Collection accounts Cavalry Portfolio Serv and Convergent.
Borrowers used money pooled from XXX but it was not documented properly.  No documentation available for the XXX which was needed for assets and reserves.  File is not eligible for manual underwrite due to missing letter of explanation for derogatory credit.  Further review of file revealed that income used to qualify is not supported by paystubs and W-2s in the file.  Uninsurable.
Defect reason provided on tape has been confirmed:Borrowers used money pooled from XXX but it was not documented properly.  No documentation available for the XXX which was needed for assets and reserves.  File is not eligible for manual underwrite due to missing letter of explanation for derogatory credit.  Further review of file revealed that income used to qualify is not supported by paystubs and W-2s in the file.  Uninsurable.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing evidence of disability. The loan file contained no disability verification.  Lastly, the WVOE used for qualifying was incomplete and did not support the income noted on the pay stubs.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing evidence of disability. The loan file contained no disability verification.  Lastly, the WVOE used for qualifying was incomplete and did not support the income noted on the pay stubs.
The funds used for qualifying were to be sourced from the XXX account.  A letter of explanation regards the large deposit was provided;however no additional documentation regarding the source account was provided.
The funds used for qualifying were to be sourced from the XXX accnt.  A letter of explanation regarding the large deposit was provided;however no additional documentation regarding the source account was provided.  The AUS also required explanation of the derogatory credit noted on the credit report which was not provided in the loan file.  Evidence of disability was required and the loan file contained no disability verification.  Lastly, the WVOE used for qualifying was incomplete and did not support the income noted on the pay stubs.

1450000713

XXX

$XXX

3/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Case number was cancelled. New case number was assigned but no new appraisal was ordered. Uninsurable.
Defect reason provided on tape has been confirmed:case number was cancelled. New case number was assigned but no new appraisal was ordered. Uninsurable.

1450000712

XXX

$XXX

2/XX/2019

Second Home

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Income was calculated using the Work Number VOE but the YTD income and W2 did not match work number VOE income. Paystub and W2 reflect a different income. Income received is less than annual income shown on work number VOE. Using calculated income from YTD paystub and W2, ratios exceed 58%.

**Per the Work Number WVOE the YTD income as of 12/XX/2019 for the borrower is $2163.50 and the income reported on the WVOE for 2018 is $2942.36 which is in line with the 2018 W2. On the Work Number WVOE is reflects the borrower is paid $7528.26 semi-monthly but this does not match the other income documents provided. The YTD average income was used of $1545.36 resulting in a DTI of 66.401%.

BUYER - GENERAL COMMENT (2019-04-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-22): Buyer acknowledged the exception

1450000710

XXX

$XXX

11/XX/2018

Primary

Purchase

Safe Harbor QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Loan is a 4 unit property so the max LTV under HomeReady is 75%. Loan funded as SFR 1 Unit and 97% LTV.
The loan file reflected the borrower owned another residence and per guidelines, to utilize the HomeReady program, the borrower must have been a first time home buyer when financing a SFR to obtain an LTV over 95%.

BUYER - GENERAL COMMENT (2019-04-23): Acknowledged
REVIEWER - WAIVED COMMENT (2019-04-24): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-04-23): Waived
REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.
SELLER - GENERAL COMMENT (2019-05-01): Please see attached cost estimator from XXX.  XXX at XXX noted that the coverage is $XXX total including the Dwelling and Replacement Cost - Similar Construction
REVIEWER - GENERAL COMMENT (2019-05-01): The document provided shows the replacement cost of $XXX, but the coverage amount is only $XXX.  Coverage is still short $XXX based on 80% of the replacement cost - the coverage amount.  The comment states XXX confirmed coverage of $XXX including Dwelling and Replacement Cost but nothing was provided to confirm this (updated declarations page).  Provide a letter of explanation from the insurance co stating there is guaranteed replacement cost coverage or an updated declarations page verifying the guaranteed replacement cost or sufficient coverage.  Condition remains
SELLER - GENERAL COMMENT (2019-05-01): Corrected HOI
REVIEWER - GENERAL COMMENT (2019-05-01): New HOI declaration page provided and the coverage amount is still short by $2400.  NOTE: the revised declaration page verified a higher premium than the amount used to establish the escrow account.  Provide a revised declarations page with sufficient coverage and if the premium increased from the amount used to calculate the escrows on the final CD, additional exceptions may apply.  Condition remain outstanding.
BUYER - GENERAL COMMENT (2019-05-02): Waived
REVIEWER - WAIVED COMMENT (2019-05-03): The buyer has elected to waive this exception.

1450000709

XXX

$XXX

10/XX/2018

Primary

Purchase

Non QM

Loan was originated as FHA, but is not eligible to be insured as an FHA loan due to ineligible case number assignment and 2nd job income used that was not eligible due to length of employment.
Defect reason provided on tape of FHA Case Number predates the loan files because it was used for a prior file for the same borrower has been confirmed. The case number assignment was dated 03/2018 and the updated 1003 was dated in 08/2018. The assignment number provide on the Case Number Assignment matched the HA Case Number listed on all the closing documents. 2nd job income was also used that was not eligible due to length of employment.

BUYER - GENERAL COMMENT (2019-04-26): Waived
REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-04-26): Waived
REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception.

1450000707

XXX

$XXX

2/XX/2018

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of is less than AUS qualifying asset balance of $132,074.38.
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 01/XX/2018
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Income not documented - retirement.
** For verification of retirement income, the AUS required a letter from the organization providing the income.  In this case, the distributions expected to begin 02/XX/2018 were from XXX. The loan file contained a letter from the borrower's Financial Adviser from XXX citing the borrower's intent to begin distributions in 02/2018; however re-review was unable to verify sufficient assets to support sustaining five years of distributions as the loan file was missing all asset documentation.
The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced.
The AUS required verification of assets totaling $132074.38 missing from file.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing Co-Borrower verification of employment. Borrower missing IRA statements to verify income duration. Business tax returns for most recent 2 years as business reflecting 3 years in operation and third party  verification. P&L and balance sheet not provided.
The AUS required verification of assets totaling $132074.38. The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced.
The property is located in CA.  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2018 declared end date.

BUYER - GENERAL COMMENT (2019-05-01): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-02): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-01): Waived
REVIEWER - WAIVED COMMENT (2019-05-02): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-01): Waived
REVIEWER - WAIVED COMMENT (2019-05-02): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-01): Waived
REVIEWER - WAIVED COMMENT (2019-05-02): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-01): Waived
REVIEWER - WAIVED COMMENT (2019-05-02): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-01): Waived
REVIEWER - WAIVED COMMENT (2019-05-02): The buyer has elected to waive this exception.

1450000706

XXX

$XXX

6/XX/2017

Primary

Purchase

Non QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU were not met.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 0.63 is less than AUS PITIA months reserves of 3.00.
[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Income Documentation - Income Docs Missing:: - 1040 (2017)
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: -

Initial HUD Addendum to the Loan Application 92900-A was provided 05/XX/2017 not within 3 days of Application date of 05/XX/2017.
Important Notice to Homebuyer (92900-B) was provided 05/XX/2017 not within 3 days of Application date of 05/XX/2017.
Defect reason provided on tape has been confirmed: HUD identified several missing documents which they needed to complete insurance.  Some of these we have received but others we have not been able to locate.  FINDINGS FROM HUD:   Missing evidence source of funds for deposits 5/XX $2,240 and 5/XX $4,000;  missing documentation to verify $100 monthly payment with IRS for 2015 tax year; missing documentation as to the source of funds used to pay off XXX $16,982 and XXX $3,734.24;  missing evidence of permanent residency; and, missing year to date profit and loss statement.

**Missing P&L statement for Borrower's business , missing source and explanation for large deposits, XXX account shows being paid off no evidence in file for payoff and source of funds.
Informed Choice Disclosure was provided 06/XX/2017 not within 3 days of Application date of 05/XX/2017.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing year to date profit and loss statement.
Missing evidence source of funds for deposits 5/XX $2,240 and 5/XX $4,000; missing documentation to verify $100 monthly payment with IRS for 2015 tax year; missing documentation as to the source of funds used to pay off Toyota $3,734.24;  missing evidence of permanent residency; and, missing year to date profit and loss statement.
3 months reserves per AUS. .63 months provided.
Missing Mortgage Insurance Certificate.
Explanation and source of large deposits were not addressed.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing YTD- P&L statement for Borrower's business.

BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-10): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-09): Waived
REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.

1450000705

XXX

$XXX

12/XX/2017

Primary

Purchase

Non QM

[3] General - Employer is on FNMA fraudulent business list.: -
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 12/XX/2017
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Cannot confirm the existence of the borrower's reported place of employment.
**On FNMA fraudulent business list.
Shield Technologies reflected on FNMA fraudulent business list.
The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2018 declared end date. Note: this is a post-consummation disaster.

BUYER - GENERAL COMMENT (2019-05-15): Waived
REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-17): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-15): Waived
REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception.

1450000704

XXX

$XXX

3/XX/2019

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan amount discrepancy.: Note loan amount of $431,615.00 exceeds AUS loan amount of $429,557.00.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Loan has two defects 1.) The loan amount on the Freddie Mac LPA accept does not match the note and the remaining documents. Total loan amount on the loan docs is $XXX. LP reflects $XXX. 2.) There is an auto lease that was not included in the DTI (even though it is less than 10 months, we must include). With lease included, the DTI goes to 49.97%. Because of these issues, there is no way to correct the LPA post-closing to get an Accept, and the DTI is too high for a Freddie Mac manual underwrite. Fannie Mae/DU will not work either. Loan is unsalable to both Freddie Mac and Fannie Mae. Please note. Loan was originated with a 25% coverage single premium policy (ok per Freddie Mac Home Possible guidelines) - we are checking with XXX to see if they will allow the policy to stay in force. Please bid both with and without MI coverage.

BUYER - GENERAL COMMENT (2019-05-10): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-11): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-10): Waived
REVIEWER - WAIVED COMMENT (2019-05-11): The buyer has elected to waive this exception.

1450000703

XXX

$XXX

10/XX/2017

Primary

Refinance Cash-out - Other

Non QM

[3] Property Eligibility - Site and Utilities - Comparables or Comparable adjustments are unreasonable for the value being supported: -
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Loan File - Missing Document: Hazard Insurance Policy not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Confirmed: Fannie Mae states the comps chosen for the property by the appraiser were dissimilar and had significantly dissimilar locations and views. The property is located on a busy street surrounded by commercial buildings. The subject property driveway is accessed via a parking lot shared by a 7/11 convenience store and a commercial trucking company. Title Company reviewed the loan and determined it was difficult to locate comps that had similar commercial property surroundings.
Fannie Mae states the comps chosen for the property by the appraiser were dissimilar and had significantly dissimilar locations and views. The property is located on a busy street surrounded by commercial buildings. The subject property driveway is accessed via a parking lot shared by a XXX convenience store and a commercial trucking company. Title Company reviewed the loan and determined it was difficult to locate comps that had similar commercial property surroundings.

BUYER - GENERAL COMMENT (2019-05-20): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-21): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-20): Waived
REVIEWER - WAIVED COMMENT (2019-05-21): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-22): Waived
REVIEWER - WAIVED COMMENT (2019-05-23): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-20): Waived
REVIEWER - WAIVED COMMENT (2019-05-21): The buyer has elected to waive this exception.

1450000702

XXX

$XXX

2/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - Compliance - Client had a foreclosure recorded 10/XX/2013 which is within 7 years of application. Credit report did not reflect a foreclosure.
**The loan file does not contain evidence of a Foreclosure that was filed or recorded on behalf of the borrower within 7 years of the application date.
Missing fraud report

1450000701

XXX

$XXX

2/XX/2018

Primary

Refinance Rate/Term

Non QM

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 05/XX/2000
Disaster End Date: 06/XX/2000
[3] Income Documentation - Income Docs Missing:: - 1099, 1099-SSA, Award Letter / Continuance Letter
[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Undisclosed Liability - The client has two debts that were not included in the DTI. The client opened a new car debt on 1/XX/18 prior to close on 2/XX/18. The debt did not begin report to credit until 6/XX/18. XXX debt was excluded from DTI as being the client's ex-spouses' responsibility. The mortgage was obtained 15 years after the client's divorce and the divorce decree does not assign responsibility for it. Fannie confirmed that the client is the sole signor of the mortgage note. Inclusion of this debts increases DTI to > 71%.
Missing Fraud Report.
Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 1099, 1099-SSA, Awards letter/Continuance letter.

1450000700

XXX

$XXX

10/XX/2018

Primary

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 10/XX/2018, Transaction Date: 10/XX/2018
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Confirmed: Undisclosed Liability - There are two delinquent student loan debts. The underwriter incorrectly thought the debts were discharged through 2016 bankruptcy, but they were actually transferred to the Department of Education. We confirmed the client is still working to pay off this debt.

Repayment Agreement in file confirming debt to be repaid.
The insurance effective date was noted as 10/XX/2018, four days post close.

BUYER - GENERAL COMMENT (2019-05-21): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-22): Waived
REVIEWER - WAIVED COMMENT (2019-05-23): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-05-22): we perform the LDP search on every transaction. We do not upload the search results to our system, but it is done on every transaction. Below is the link to the list of parties on the LDP database. https://www5.hud.gov/Ecpcis/main/ECPCIS_List/main/ECPCIS_List.jsp please downgrade or waive this exception as neither borrower is on this list
REVIEWER - GENERAL COMMENT (2019-05-22): AMC agrees that there is no requirement to retain the LDP / GSA searches, but without the searches we cannot verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition.
BUYER - GENERAL COMMENT (2019-05-24): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.

[2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: -

1450000699

XXX

$XXX

12/XX/2018

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Guideline Issue - Borrower is not currently employed.: -
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: LP / LPA
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Mortgage / Program Eligibility - Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date 02/XX/2019, Note Date 12/XX/2018

Defect reason provided on tape has been confirmed. - Employment - We discovered post-closing the client is no longer employed, and was not employed through the closing date. We have verified the client is now retired, and when using his non-employment income the loan does not qualify as DTI is greater than the program max.
Discovered post-closing the client is no longer employed, and was not employed through the closing date. Verified the client is now retired.
The appraiser marked the appraisal as being Owner Occupied instead of Tenant Occupied.
The file is missing a verification of employment with 10 days of closing.
The Loan File does not contain a Verification of Employment completed within 10 days of closing as required the AUS.

BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-21): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-21): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-22): Waived
REVIEWER - WAIVED COMMENT (2019-05-23): The buyer has elected to waive this exception.

1450000698

XXX

$XXX

4/XX/2018

Primary

Refinance Limited Cash-out GSE

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has been confirmed: Employment - Client has confirmed he was unemployed from 03/XX/18 through 07/XX/18. He was employed at XXX 07/XX/18 - 12/XX/18 and XXX 11/XX/18 to 12/XX/18. No indication on employment status since end of 2018. Client remains Current.

**End date for current employer was provided on the Work Number verification dated 3/XX/2018. Borrower is reflected as inactive as of 3/XX/2018. Loan defect is valid based on documentation in the loan file.

BUYER - GENERAL COMMENT (2019-05-21): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception

1450000697

XXX

$XXX

7/XX/2018

Primary

Purchase

Higher Priced QM

[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - Uninsurable FHA. Used DU however loan required manual underwriter due to insufficient assets. 203k loan and all improvements have been completed and inspected.

**The borrower received gift funds from her husband in the amount of $10,340. The most recent bank statement from XXX verified a closing balance of $10,430.40 as of 5/XX/2018. The borrower was required to come to closing with $3,523.09 per the final CD and closing documents in the loan file. One the 2nd page of the final CD it is noted that 50% of the initial draw for the 203K contractor work was paid at closing in the amount of $7,161.50 and a hold-back fund of the additional 50% of $7,161.50 was also set aside for when the work is completed. Unable to determine the amount that was insufficient for assets prior to closing.
Missing General Services Administration (GSA).

BUYER - GENERAL COMMENT (2019-05-17): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-20): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-17): Waived
REVIEWER - WAIVED COMMENT (2019-05-20): The buyer has elected to waive this exception.

1450000696

XXX

$XXX

2/XX/2019

Primary

Refinance Limited Cash-out GSE

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - Non Purchase - Excessive Ratios due to Loan qualified with incorrect property tax amount.

BUYER - GENERAL COMMENT (2019-05-16): Waived
REVIEWER - WAIVED COMMENT (2019-05-17): The buyer has elected to waive this exception.

1450000695

XXX

$XXX

4/XX/2018

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed -EPD. Breach pursuant to Flow Sale and Interim Servicing Agreement with XXX. Reference is hereby made to that certain Purchase Confirmation dated June 28, 2018 (the "Purchase Confirmation"), by and between Purchaser and Seller, pursuant to which the Purchaser and the Seller consummated the sale and purchase of certain mortgage loans ("Mortgage Loans"). All capitalized terms used herein and not otherwise defined herein shall have the meanings assigned to such terms in the Agreement and the Purchase Confirmation . The Purchaser has determined that the Mortgage Loan identified on Exhibit A attached hereto (the "Breached Loan") does not comply with certain warranties, representations and/or covenants made by Seller in the Transaction Documents, including, but not limited to, Sections 3.02 (a) and Uj) of the Agreement which defects materially and adversely affect the value of the Breached Loan and /or affect Purchaser's interest in the Breached Loan. Accordingly, pursuant to Section 3.03 of the Agreement, the Purchaser hereby requests that the Seller cure the defects identified on Exhibit B hereto no later than 60 days from the date of this notice of breach ("Cure Period"). If any such defects cannot be cured within the Cure Period, Seller shall repurchase the Breached Loan at the Repurchase Price prior to the expiration of the Cure Period. If Seller repurchases the Breached Loan, Purchaser and Seller shall arrange for the reassignment of the Breached Loan back to Seller and the delivery to Seller of any documents related to the Breached Loan held by Purchaser or on its behalf by a third party.

BUYER - GENERAL COMMENT (2019-05-21): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception

1450000694

XXX

$XXX

2/XX/2018

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] General - Missing Document: Credit Card Statement not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Incorrect Income Calculation - Self-employed calculation of Self Employment as $7,482.00 was incorrect. The DU required 2 years tax returns to document the borrower's income from Self Employment. Recalculating the income in accordance with the Selling Guide, including any DU requirements, if applicable, resulted in a revised income of $4840.00. Undisclosed Liability Fannie Mae Credit Report reported additional monthly debt with Suntrust Bank that was not disclosed in the loan application. Including this debt totaling $1,584.00 resulted in a revised debt-to-income ratio that could not be calculated which rendered the loan ineligible for delivery to Fannie Mae. DTI is 101.759% after these changes.
2 additional XXX accounts were excluded and documentation was not provided. Accts ending in XXX (installment, $224/ month payment) and acct ending in XXX (revolving - auth user, $82/ month payment). Borrower was removed from all other auth user accounts except for these prior to closing.

1450000693

XXX

$XXX

12/XX/2018

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape of the loan closed at 100% CLTV without the Veteran having full Entitlement due to a previous Deed In Lieu. Therefore there is insufficient VA loan guaranty. Loan amount needed to be $XXX to receive bonus entitlement has been confirmed. The loan file contained a letter from the VA dated 11/XX/2018 explaining that the borrower did not meet restoration qualifications due to a loss on the amount of $13,848 that had not been repaid. Additionally, the VA provided a Certificate of Eligibility providing the remaining entitlement amount which reflected that basic entitlement up to $XXX could be established once the loss was repaid; evidence of repayment was not provided.
The AUS required the lender to verify satisfactory entitlement from the VA and the documents in the loan file indicated he had no entitlement.

BUYER - GENERAL COMMENT (2019-05-21): Acknowledged
REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-21): Waived
REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception.

1450000668

XXX

$XXX

9/XX/2016

Primary

Refinance Cash-out - Other

HUD Safe Harbor QM

[3] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) is not compliant.: -
[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect Concur: 12 months have not passed since the time of the last transaction on the subject property, which is required for FHA cash out refinance.
Defect does NOT concur: Additional debt which causes the ratios to increase over 51%. No evidence of additional debt is in the file. Income was miscalculated however.
FHA - Important Notice to Homebuyer was signed but not dated. Unable to determine timing compliance.
Unable to determine compliance on the delivery of the Informed Choice Disclosure. Signed at closing, but the date within the form is months before application date.

BUYER - GENERAL COMMENT (2019-05-24): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-24): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-24): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.

1450000667

XXX

$XXX

10/XX/2017

Investment

Refinance Cash-out - Other

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed : According to the loan documentation, the borrower was employed by XXX and income from this employment was included in the debt-to-income (DTI) calculation.
The subject loan closed on 08/XX/2018 . Research confirmed that this borrower(s) was not employed as disclosed as of 08/XX/2018 . Excluding this income resulted in revised income of $ 3,453 and a DTI 108.05% .
Loan file does not include any evidence Borrower worked or works for this Company (XXX) or receives and or received any income from this Company.

The subject project does not comply with the Condominium Project eligibility requirements set forth in the Guide. *The subject is an investment property. *The appraisal reflects 2 units are non-owner occupied.
*Guidelines require all but one unit must be conveyed to purchasers as a primary residence or second home. The appraisal is unacceptable. The appraisal general description, reflects 2 of the 4 units are rented and 2 are owner occupied., this contradicts the written statement that project primary occupancy is "Principal Residence".
*Page 1 of the appraisal and the floor plan indicate the subject is a 7-bed room home. The addendum indicates the subject is a 4-bed room home. Need clarification of bed room count and effect on marketability if home is 7-bed room. Agree with defect, Appraisal sketch does not indicate multiple units, photos of building appears to be of a single family home and not a multi unit building, further, the unit photos only show a ½ bath room, while the gross living area (page 3 of 6) reflects 12 total rooms, 7 bedrooms and 3.1 baths. The appraisal directly contradicts itself in multiple categories. And cannot be relied upon to be accurate. The appraisal was transferred to XXX from XXX.

BUYER - GENERAL COMMENT (2019-05-24): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.

1450000666

XXX

$XXX

8/XX/2018

Primary

Refinance Cash-out - Other

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Homestyle Reno with EEM. Error calculating the max cash out amount. According to the loan documentation, the borrower was employed by XXX and income from this employment was included in the debt-to-income (DTI) calculation. The subject loan closed on 08/XX/2018 . Research confirmed that this borrower(s) was not employed as disclosed as of 08/XX/2018 . Excluding this income resulted in revised income of $ 3,453 and a DTI 108.05% .

** Wvoe in file reflecting 8/XX/18 showing borrower no longer employed as of 8/XX/18 with closing dated 8/XX/18.

BUYER - GENERAL COMMENT (2019-05-24): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.

1450000665

XXX

$XXX

9/XX/2016

Primary

Refinance Limited Cash-out GSE

Safe Harbor QM

[3] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: - Appraisal
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: This is an non-warrantable condo, 95% LTV, with no MI -  doesn't fit FNMA guides.

Defect reason provided on tape has been confirmed:  U/W - GuidelinesHomestyle Reno with EEM. Error calculating the max cash out amount.
Initial appraisal is dated 6/XX/2016, has a lower appraised value of $XXX and expired.  The loan file does not contain an update to this 1004; instead, a 2nd appraisal was obtained and the resulting higher value of $XXX used.  Valuation used does not meet guidelines.

BUYER - GENERAL COMMENT (2019-05-24): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-28): Please note that Fannie Mae guidelines do not require lender to use the lower of the 2 appraisals
REVIEWER - GENERAL COMMENT (2019-05-29): Loan is no longer agency eligible - please advise which guidelines are applicable. Lender received 2 separate appraisals. One dated 06/XX/2016 with a value of $XXX and one dated 06/XX/2016 with a value of $XXX. Lender used the higher value for the loan to value calculation which is outside industry norms. Referring to XXX for review whether to accept or waive.
BUYER - GENERAL COMMENT (2019-05-29): Waived
REVIEWER - WAIVED COMMENT (2019-05-29): The buyer has elected to waive this exception.

1450000664

XXX

$XXX

1/XX/2019

Primary

Purchase

Non QM

[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Project EligibilityThis is an non-warrantable condo, 95% LTV, with no MI - doesn't fit FNMA guides.
Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing schedule E and there is no lease agreement submitted.

BUYER - GENERAL COMMENT (2019-05-27): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-28): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this condition.

1450000663

XXX

$XXX

1/XX/2019

Primary

Refinance Cash-out - Other

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying interest rate discrepancy.: Qualifying interest rate of 5.35056% does not match AUS qualifying interest rate of 5.37500%.
[3] Miscellaneous - Credit Exception:
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Property - Appraisal The primary concern with the XXX appraisal is its reliance on sales that are much larger in terms of Gross Living Area (above-grade SQF). Therefore, investor kick for value. The value the investor sees is $XXXour revalue is at $XXX.
Missing investor guidelines to review to qualify for manual jumbo cash-out refinance
Lender qualified 10 year ARM product at 5.375% or 1.75% above note rate, vs fully indexed rate.

BUYER - GENERAL COMMENT (2019-05-28): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-28): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-05-28): Waived
REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.

1450000662

XXX

$XXX

8/XX/2018

Primary

Purchase

Non QM

[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -

Defect reason provided on tape has not been confirmed. Defect reason was "Unable to be insured due to multiple case numbers", however, only Case #XXX was located in file.
The file was missing proof of the Important Notice to Homebuyer (92900-B) showing borrower's receipt within 3 days of originator application date.
The file was missing proof of the borrower's receipt of the FHA - Informed Choice Disclosure within 3 days of originator application date.
Mortgage Insurance Certificate is missing from loan file.

BUYER - GENERAL COMMENT (2019-06-05): Acknowledged
REVIEWER - WAIVED COMMENT (2019-06-06): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-06-05): Waived
REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-06-05): Waived
REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-06-05): Waived
REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception.

1450000661

XXX

$XXX

3/XX/2019

Primary

Purchase

Safe Harbor QM

[3] Guideline Issue - Ineligible property type.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape of single wide manufactured home and not in FNMA designated area was not confirmed. Designated FNMA areas only apply to single wide manufactured homes. The property was noted as a manufactured home with additions made to the property between 2003 and 2005 and is not considered single wide home; therefore the designated areas do not apply.

Per the FNMA Selling Guide, Manufactured homes that have an addition or have had a structural modification are eligible under certain conditions. If the state in which the property is located requires inspection by a state agency to approve modifications to the property, then the lender is required to confirm that the property has met the requirement. However, if the state does not have this requirement, then the structural modification must be inspected and be deemed structurally sound by a third party who is regulated by the state and is qualified to make the determination. In all cases, the satisfactory inspection report must be retained in the mortgage loan file.
Per the FNMA Selling Guide, manufactured homes that have an addition or have had a structural modification are eligible under certain conditions. If the state in which the property is located requires inspection by a state agency to approve modifications to the property, then the lender is required to confirm that the property has met the requirement. However, if the state does not have this requirement, then the structural modification must be inspected and be deemed structurally sound by a third party who is regulated by the state and is qualified to make the determination. In all cases, the satisfactory inspection report must be retained in the mortgage loan file.

BUYER - GENERAL COMMENT (2019-06-11): Acknowledged
REVIEWER - WAIVED COMMENT (2019-06-12): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-06-11): Waived
REVIEWER - WAIVED COMMENT (2019-06-12): The buyer has elected to waive this exception.

1450000660

XXX

$XXX

3/XX/2019

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape of "Did not re-disclose at time of lock" has not been confirmed. The loan file indicated the rate was locked on 03/XX/2019 and a Change of Circumstance reflecting the lock was provided on 03/XX/2019 and the file also contains an LE dated 3/XX/2019 which indicates the loan was locked.

BUYER - GENERAL COMMENT (2019-06-17): Acknowledged
REVIEWER - WAIVED COMMENT (2019-06-18): Buyer acknowledged the exception

1450000659

XXX

$XXX

2/XX/2018

Primary

Purchase

Non QM

[3] Income Documentation - Income Docs Missing:: - Third Party Verification
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: Incorrect property taxes used in DTI calc.  Borrower also has multiple years of unpaid IRS taxes (2015: $1,678, 2016: $6,362 and 2017: $14,978).  Recalculated DTI = 52.939% includes the correct property taxes for subject @$498/month vs. $269.29/month.  The revised ratio does not include a payment(s) for the IRS taxes.  Does not look like Borrower is on a repayment plan with the IRS for the 2015, 2016, or 2017 unpaid taxes.

***The Final CD reflects property and city taxes for a total tax payment of $493.79.  The Proposed payment section of the AUS accounted for both of these tax payments under "taxes" and "other"; therefore the total tax payment used in defect was already included in the AUS DTI of 46.76%.  The 2015 tax return indicated taxes were due in the amount of $1,678; however the loan file provided no evidence of tax liens or proof these taxes were not paid.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing third party verification.

BUYER - GENERAL COMMENT (2019-06-25): Acknowledged
REVIEWER - WAIVED COMMENT (2019-06-26): Buyer acknowledged the exception
BUYER - GENERAL COMMENT (2019-06-25): Waived
REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception.

1450000658

XXX

$XXX

12/XX/2018

Primary

Refinance Rate/Term

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 0.55 is less than AUS PITIA months reserves of 2.00.
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. FHA UNINSURED: uninsured due to the property being less than 12 month seasoning which should have used original appraised value, loan was closed using current appraised value. FICO: Co-borrower 751, new debt, reporting DQ 1/19 and 2/19 however it is the loan we paid off with this transaction and it paid off 12/XX/2018
Reserves per review reflect .55 months. DU Approve requires 2 months reserves.
Missing MI Cert and Evidence of MI.

BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception.
REVIEWER - RE-OPEN COMMENT (2019-07-01): Changes to be made

1450000657

XXX

$XXX

5/XX/2019

Primary

Purchase

Safe Harbor QM

[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: -
[3] Insurance Analysis - Insurance address does not match Note address.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Singlewide
Insurance address is reflected as XXX. Actual address is XXX.
Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 2 months verification of Randolph Brooks FCU account.

BUYER - GENERAL COMMENT (2019-06-28): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-06-28): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has acknowledged this exception and is electing to waive it without compensating factors.

1450000656

XXX

$XXX

4/XX/2018

Primary

Refinance Rate/Term

Non QM

Hazard Insurance Policy Expiration Date 06/XX/2018, Note Date 04/XX/2018.
Defect reason provided on tape has been confirmed. Adequate documentation to support the omission of the debt from the DTI was not provided for our review. The borrower has minimal debt outside the mortgage($144) of which one of the debts is paid by the business. Borrower very conservative with credit.   There was an LOX in regards to the business credit card states it is used sparingly and provided the months of bank statements that they actually had to make a payment.  Additionally, the credit report shows it as a business debt.  The income used was a 2 year ave and the income is trending upward.  If we used a 1 year ave there wouldn't be any issues.
Unable to exclude XXX Credit Card as being paid by the borrower's business.  The borrower stated only 5 of the last months were paid by the business. Additional documentation is needed to show there was not payment due during the remaining 7 months.
The Appraisal dated 12/XX/2017 was not in file.
The property is located in XXX.  Provide a post-disaster inspection verifying there was no damage from XXX.  The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2018 declared end date.
The Appraisal report dated 12/XX/2017 was not in file.

BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-06-28): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-06-28): Waived
REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.

1450000577

XXX

$XXX

6/XX/2018

Investment

Purchase

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Income Documentation - Income Docs Missing:: - Business License, P&L Statement
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: Occupancy mis-rep. Closed as investment property however it is owner-occupied.
Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing Business License and P&L Statement.
The monthly payment on the AUS indicated Hazard Insurance was included into the payment; however, the insurance provided was blanket coverage and did not have a monthly premium.

BUYER - GENERAL COMMENT (2019-07-08): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-09): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-08): Waived
REVIEWER - WAIVED COMMENT (2019-07-09): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-08): Waived
REVIEWER - WAIVED COMMENT (2019-07-09): The Client has elected to waive this exception without compensating factors.

1450000576

XXX

$XXX

10/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: UNINSURED: Borrower has owned a rental home (investment property) since 2012- guideline violation. Borrower has made payments on this loan in a timely manner.

***Agree with decision as additional investment property is owned by borrower.

BUYER - GENERAL COMMENT (2019-07-02): Waived
REVIEWER - WAIVED COMMENT (2019-07-02): Client elected to waive the condition

1450000575

XXX

$XXX

3/XX/2019

Investment

Purchase

Exempt from ATR

[3] Income Documentation - Income Docs Missing:
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: During a quality control audit it was determined that the bank statements provided did not match what the financial institution records showed. Because of this funds used for the down payment could not adequately be sourced.
Missing P&L Statements, Balance Sheets and CPA letters for self employed income.

BUYER - GENERAL COMMENT (2019-07-10): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-11): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-17): Per seller:
For the XXX file, the file meets the AUS requirements for 2018 and 2017 business and personal tax returns for self-employed borrowers who have been self-employed for over 2 years. The tax returns were included in the file. This should be all that is needed.
REVIEWER - GENERAL COMMENT (2019-07-18): Exception is due to loan defect. Due to the fact the Loan is no longer agency eligible - additional income documentation would normally be required for QM/ATR testing. However, we are referring this issue to XXX for review and disposition.
BUYER - GENERAL COMMENT (2019-07-18): Waived
REVIEWER - WAIVED COMMENT (2019-07-19): The Client has elected to waive this exception without compensating factors.

1450000574

XXX

$XXX

3/XX/2019

Primary

Refinance Cash-out - Other

Safe Harbor QM

Defect reason provided on tape has been confirmed - Loan didn't meet GNMA 210 day refi seasoning requirement.
Missing AUS.
The file was missing a copy of the VA - Loan Guaranty Certificate.
The most recent valuation inspection is dated prior to the most recent FEMA disaster.
The file was missing a copy of the final title policy.

BUYER - GENERAL COMMENT (2019-07-12): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-23): Waived
REVIEWER - WAIVED COMMENT (2019-07-24): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-26): Waived - Loan couldn't be insured so purchasing as uninsured.
REVIEWER - WAIVED COMMENT (2019-08-27): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-12): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-23): Waived
REVIEWER - WAIVED COMMENT (2019-07-24): The Client has elected to waive this exception without compensating factors.

1450000573

XXX

$XXX

4/XX/2018

Primary

Purchase

Non QM

[3] Government Documentation - FHA Informed Choice Disclosure is missing.: -
[3] Application / Processing - LDP results indicate a party to the transaction is excluded from eligibility.
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

A letter provided (#0231) from the Lender states the mortgage is not eligible for mortgage insurance through FHA.
The Defect reason provided on tape has not been confirmed - uninsurable due to unapproved HUD condo. An internet search of HUD approved condos in the subject city indicates the subject condo project is FHA Approved.
An LDP is not provided on all parties involved in the transaction.

BUYER - GENERAL COMMENT (2019-07-17): Waived
REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-17): Waived
REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-17): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-18): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-17): Waived
REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-17): Waived
REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-17): Waived
REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors.

1450000572

XXX

$XXX

3/XX/2017

Second Home

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

Defect reason provided on tape has not been confirmed - Pre-closing VVOE was executed through a co-worker rather than management.  Co-worker confirmed borrower was still employed, however the work number FNMA pulled during routine audit showed the borrower was no longer employed prior to funding the loan.
***The loan file contains the VVOE dated 3/XX/2017 that reflects the borrower's employment was verified with XXX, a nurse at the same facility.   The loan file does not include the post closing Work Number verification showing the borrower was not employed prior to the funding of the loan.
The property is located in XXX, CO.  Provide a post-disaster inspection verifying there was no damage from enter disaster info here.  The inspection must include exterior photos and the property must be re-inspected on or after 06/XX/2002 declared end date.

BUYER - GENERAL COMMENT (2019-07-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-17): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-16): Waived
REVIEWER - WAIVED COMMENT (2019-07-17): The Client has elected to waive this exception without compensating factors.

[3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: -

1450000571

XXX

$XXX

5/XX/2017

Primary

Purchase

Non QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - FRAUD - Client falsified income documents. Client's income was not supported.

**Prior years tax returns (2016 1040) do not support YTD income on provided WVOE.
Fraud report is missing from file.

BUYER - GENERAL COMMENT (2019-07-18): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-19): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-18): Waived
REVIEWER - WAIVED COMMENT (2019-07-19): The Client has elected to waive this exception without compensating factors.

1450000570

XXX

$XXX

10/XX/2017

Primary

Refinance Cash-out - Other

Non QM

Due Diligence results do not confirm loan defect provided: FRAUD - Employment was misrepresented in order to qualify with 100% owner of XXX being listed as a W2 employee hired year of application. Broker application package from 2017 (same year) directly contradicts loan application/documents which appear manufactured to qualify for cash out refinance.
Hazard Insurance policy lists the previous Lender.
The property is located in XXX, Fl. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.
Fraud report is missing from file.

1450000569

XXX

$XXX

12/XX/2017

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Mortgage / Program Eligibility - AUS Findings: Combined High loan to value discrepancy.: Calculated high loan to value percentage of 97.50000% exceeds AUS high loan to value percentage of 95.00000%
[3] Mortgage / Program Eligibility - AUS Findings: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 97.50000% exceeds AUS combined loan to value percentage of 95.00000%.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan to value discrepancy.: Calculated loan to value percentage of 97.50000% exceeds AUS loan to value percentage of 95.00000%.
[3] Income Documentation - Income Docs Missing:: - VVOE - Employment Only
[3] Income Documentation - Income Docs Missing:: - VVOE - Employment Only, W-2 (2016)
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - MI Rescinded as the LTV was incorrectly calculated using the purchase price instead of the appraised value.  Using the revised value results in the LTV increasing to 98%.

Sales contract addendum provided reflects an appraised value of $XXX and a sales price of $XXX, Lender used an appraised value of $XXX to calculate LTV/CLTV.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing VVOE for borrower and co-borrower within 10 days of close.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing  a copy of Co-Borrowers prior year (2016) W-2.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing the co-borrower's 2016 W2.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing the co-borrower's 2016 W2.
Calculated HLTV percentage of  97.50% exceeds AUS loan to value percentage of 95%. Loan is no longer agency eligible - please advise which guidelines are applicable.
Loan is no longer agency eligible - please advise which guidelines are applicable. Calculated Combined loan to value percentage of  97.50% exceeds AUS loan to value percentage of 95%. MI Rescinded as the LTV was incorrectly calculated using the purchase price instead of the appraised value.  Using the revised value results in the LTV increasing to 98%.
Calculated loan to value percentage of  97.50% exceeds AUS loan to value percentage of 95%. MI Rescinded as the LTV was incorrectly calculated using the purchase price instead of the appraised value.  Using the revised value results in the LTV increasing to 98%.
Fraud report is missing from file.

BUYER - GENERAL COMMENT (2019-07-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.

1450000568

XXX

$XXX

4/XX/2019

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $23,500.61 is less than Cash From Borrower $24,979.71.
[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

The loan closed without the client having enough entitlement. The client has a rental property that is using a portion of their VA entitlement. The Underwriter stated that the entitlement being used would be restored prior to or at closing through the sale of this property. However, the property never sold and their entitlement was never restored leaving them short of the required amount to close on a purchase loan.

1450000567

XXX

$XXX

3/XX/2019

Second Home

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

The review confirmed the defect provided which was that the loan does not meet condo guidelines because the master condo insurance policy does not contain fidelity coverage.
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the borrowers, seller, listing and selling agents, the appraiser, and the loan originator.

1450000566

XXX

$XXX

9/XX/2014

Primary

Purchase

Safe Harbor QM

Defect provided on tape has been confirmed - FRAUD - Client qualified for purchase using fabricated bank statements. True source of funds used to close is unknown. Unable to verify that income/employment used to qualify is legitimate. Assets statements were verified to be fabricated. Pay statements, income docs are not supported and show inconsistencies.

***Results partially confirm defect provided. Unable to determine validity of bank statements that lender indicates are fraudulent. There is evidence of a discrepancy regarding the borrower's employment. Most documentation supports employment with Gordon Quatrell but there is an additional verification of employment showing employment with Comcast at much lower rate of pay. Name and SSN match. Reason for discrepancy or additional employment is not documented.
The property is located in XXX, Fl. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.
Fraud report is missing from file.

BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-19): Waived
REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.

1450000565

XXX

$XXX

5/XX/2019

Primary

Purchase

Safe Harbor QM

[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Loan is no longer agency eligible - please advise which guidelines are applicable.
Defect reason provided on tape has not been confirmed; Violated Flip Rule; acquisition occurred less than 90 days from sale.

**Seller acquisition date is 2/XX/2019, Contract date is 5/XX/2019 with a Sale date is 5/XX/2019. Time elapsed 92 days from acquisition to contract and 108 days from acquisition to closing.Note date.
The loan file is missing evidence of Mortgage Insurance.

BUYER - GENERAL COMMENT (2019-07-24): Waived
REVIEWER - WAIVED COMMENT (2019-07-25): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-24): Waived
REVIEWER - WAIVED COMMENT (2019-07-25): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-24): Waived
REVIEWER - WAIVED COMMENT (2019-07-25): The Client has elected to waive this exception without compensating factors.

1450000564

XXX

$XXX

4/XX/2019

Primary

Purchase

Safe Harbor QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Ineligible Source of Funds - Business Decision to close the loan as a Portfolio Conventional Loan without MI. Seller and Buyer are friends which is not allowed for a gift of equity for any agency. Risk score is 605, too low for an agency limited cash out refinance - thin credit file. Loan was underwritten as a FHA Loan and approval is based around those AUS Findings - loan does not fit into conventional guidelines for asset documentaiton/reserves
***The loan closed as a conventional loan without MI with a 3.5% down payment and a gift of $17,000 from a close friend/employer which follows FHA guidelines.  A letter was received by the seller advising the buyer is a long term friend who has been renting the subject property for the last six years.  The XXX Compliance Report as well as the XXX dated 04/XX/2019 noted the transaction as a conventional purchase on page 1 but used FHA credit exceptions to obtain an approval for the gift of equity.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing 2 years income documentation was not provided for borrower #1 as required by the AUS.
The Gift of Equity, from the seller, is a friend. Gifts of equity are limited to relatives only.
Multiple issues;  the loan file did not contain an AUS reflecting the correct purchase price, loan amount or loan type. 2 years income documentation was not satisfied for borrower #1.  Ineligible gift of equity from seller who is a non-relative.

BUYER - GENERAL COMMENT (2019-07-30): Waived - 2
REVIEWER - WAIVED COMMENT (2019-07-31): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-31): Waived - atr fail
REVIEWER - WAIVED COMMENT (2019-08-01): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-31): Waived - stated defect
REVIEWER - WAIVED COMMENT (2019-08-01): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-07-31): Waived - stated defect
REVIEWER - WAIVED COMMENT (2019-08-01): The Client has elected to waive this exception without compensating factors.

1450000563

XXX

$XXX

4/XX/2015

Primary

Purchase

Non QM

The property is located in XXX, FL. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.

BUYER - GENERAL COMMENT (2019-07-29): Waived - Property valuation obtained.
REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors.

1450000370

XXX

$XXX

5/XX/2019

Primary

Purchase

Non QM

1450000369

XXX

$XXX

1/XX/2019

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $0.00 is less than AUS Available for Reserves of $67.00.
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $40,344.63 is less than Cash From Borrower $40,914.55.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Short $67.00 for reserves.
Please provide invoice for Appraisal fees being paid POC or additional assets.
Defect reason provided on tape has been confirmed : Uninsured. The credit report was expired at the time of closing. One of the bureaus was frozen and a subsequent repull of credit resulted in Refer feedback. The loan is not eligible for a manual underwrite due to the housing ratio being over 40%

BUYER - GENERAL COMMENT (2019-08-13): Waived - 2 - stated defect
REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-14): Waived - issue doesn't have impact XXX's ability to purchase loan
REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-14): Waived - priced as stated defect
REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors.

1450000368

XXX

$XXX

9/XX/2018

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Due Diligence results do not confirm loan defect provided: There is no evidence that the loans were deeded out of the borrowers names and into an LLC prior to settlement without obtaining Lenders approval.

BUYER - GENERAL COMMENT (2019-08-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-08-20): The Client has acknowledged this exception and is electing to waive it without compensating factors.

1450000367

XXX

$XXX

7/XX/2018

Investment

Refinance Cash-out - Other

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date 08/XX/2018, Note Date 07/XX/2018

Due diligence results confirm loan defect provided - Borrower is 120+ days delinquent. The pay history in the file, dated 07/XX/2019, confirms the loan is next due for 11/XX/2018 with the last payment having been made 10/XX/2018.

BUYER - GENERAL COMMENT (2019-08-19): Waived - 1
REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-08-20): The Client has acknowledged this exception and is electing to waive it without compensating factors.

1450000366

XXX

$XXX

6/XX/2018

Investment

Purchase

Exempt from ATR

The review results do not confirm the defect as the defect information is not specific enough. While the review did find some deficiencies, it is unknown if these are part of the cited defect or not.

1450000365

XXX

$XXX

6/XX/2017

Primary

Purchase

Safe Harbor QM

Defect reason provided on tape has not been confirmed. - Appraised value is $XXX, the AVM value is $XXX resulting in 13.4% variance. No AVM report in file; Disaster report was in file showing property damage after XXX in 08/2017.
Loan closed 06/XX/2017, declarations page signed 06/XX/2017 and policy effective dates 06/XX/2017.

BUYER - GENERAL COMMENT (2019-08-19): Acknowledged
REVIEWER - WAIVED COMMENT (2019-08-20): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-08-19): Waived - irrelevant now
REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-19): Waived - bpo
REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors.

1450000364

XXX

$XXX

11/XX/2018

Second Home

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - DTI 58% when excluding short term rental income. DTI 38% when including short term rental income.

The co-borrower did not have a 2 year rental history but borrower did have a 2 year history per the 2017/2016 1040.

BUYER - GENERAL COMMENT (2019-08-20): Acknowledged
REVIEWER - WAIVED COMMENT (2019-08-21): The Client has acknowledged this exception and is electing to waive it without compensating factors.

1450000363

XXX

$XXX

5/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Application / Processing - Missing Document: AUS not provided
[3] Application / Processing - Missing Document: Guarantor Agreement not provided
[3] Income Documentation - REO Documents are missing.: - Statement
Statement
Statement
[3] General - Valuation address does not match Note address.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Closed in the name of the LLC we have business purpose documents,Loans held in the name of the borrower's LLC. Borrower is sole owner. No personal guarantee.
XXX appraisal address differs from Note address.
Missing AUS.
The file was missing the Mortgage statement for REO property
All condition were not me The loan was not an agency AUS loan and the guidelines to which the loan was underwritten were not provided.
Guarantor agreement is missing.

BUYER - GENERAL COMMENT (2019-08-22): Waived - AMC DD EV 2. S&D Reason confirmed.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-22): Waived - Valuation report displays only the 1st unit of this triplex, however legal description matches subject property.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-22): Waived - Non QM, 1008 in file.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-22): Waived - Non QM, also priced as Non ATR.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-22): Waived - Non QM, also priced as Non ATR.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-23): Waived - S&D reason.
REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors.

1450000362

XXX

$XXX

5/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Asset Documentation - Guideline Issue: Insufficient asset documentation.: -
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Application / Processing - Missing Document: Guarantor Agreement not provided
[3] Application / Processing - Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided
[3] Income Documentation - REO Documents are missing.: -
[3] General - Valuation address does not match Note address.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason on tape has been confirmed: Closed in the name of the XXX we have business purpose documents,Loans held in the name of the borrower's XXX. Borrower is sole owner. No personal guarantee.
The file is missing a guarantor agreement for the signer on behalf of the LLC.
The file is missing a Fraud Report. Provide a Fraud Report.
The CDA shows as XXX. The Note address is XXX. Provide a corrected CDA report.
Only one month bank statement provided. Loan is no longer agency eligible - please advise which guidelines are applicable.
The 1008 provided identifies Note Information as Initial P&I of $XXX and Initial Rate as XXX%. The Note provided has a payment of $XXX and an Initial Rate of XXX%. Provide an accurate 1008 for this transaction.
The noted verification documents were not provided in the loan file. Items missing: XXX & XXX: Mortgage Stmts & Insurance verification. XXX & XXX: Mortgage Statements. XXX: Insurance verification.

BUYER - GENERAL COMMENT (2019-08-22): Waived - AMC DD EV 2 - S&D Reason Confirmed.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-23): Waived - S&D reason.
REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors.
REVIEWER - GENERAL COMMENT (2019-08-29): Received Fraud report for individual associated with loan, however not the entity that signed the mortgage documents. Please provide the fraud report for the business entity.
BUYER - GENERAL COMMENT (2019-09-04): Waived - XXX is waiving exception.
REVIEWER - WAIVED COMMENT (2019-09-09): Client requests to waive the condition.
BUYER - GENERAL COMMENT (2019-09-04): Waived - Appraisal provided, XXX property valuation obtained. Not relying on CDA.
REVIEWER - WAIVED COMMENT (2019-09-09): Client requests to waive the condition.
BUYER - GENERAL COMMENT (2019-08-22): Waived - Loan is a Non QM, manual UW, also priced as Non ATR.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-22): Waived - Loan terms are better, waiving suspension. Loan is a Non QM, also priced as Non ATR.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
SELLER - GENERAL COMMENT (2019-09-17): Please note, these are the only Hazard Insurance Policies on other properties. We cannot obtain any others.
REVIEWER - GENERAL COMMENT (2019-09-20): Still missing insurance proof for XXX and XXX. Still missing mortgage statement for XXX and XXX. Exception remains.
BUYER - GENERAL COMMENT (2019-09-24): Waived - Seller does not have additional documentation. Borrower has a history of managing rental properties, credit history and FICO score is evidence of such.
REVIEWER - WAIVED COMMENT (2019-09-30): Client acknowledges the condition

1450000361

XXX

$XXX

5/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] General - Closing Disclosure Subject Address does not match Note address.: -
[3] Insurance Analysis - Insurance address does not match Note address.
[3] Income Documentation - REO Documents are missing.: - Insurance Verification
Insurance Verification
Insurance Verification
Statement
Statement
Insurance Verification
Insurance Verification
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Closing Disclosure Subject Address of XXX does not match Note address of XXX.
Insurance address of XXX does not match Note address of XXX.
The loan file was missing the required verification documents.
Defect reason provided on tape has been confirmed: Closed in the name of the LLC we have business purpose documents,Loans held in the name of the borrower’s LLC. Borrower is sole owner. No personal guarantee.
***The final CD, Note and TPOL all referenced the borrower’s LLC as XXX.

BUYER - GENERAL COMMENT (2019-08-22): Waived - AMC DD EV 2 - S&D Reason confirmed.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-22): Cleared - CD contains an addendum with the property address of: XXX CA XXX.
REVIEWER - GENERAL COMMENT (2019-08-23): XXX please advise if you are waiving or acknowledging this exception?
BUYER - GENERAL COMMENT (2019-08-22): Waived - Policy clearly states "property is a triplex, all property addresses insured under this policy". The subject address XXX is on the policy.
REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.
SELLER - GENERAL COMMENT (2019-09-16): Please note, these are the only Hazard Insurance Policies on other properties. We cannot obtain any others.
REVIEWER - GENERAL COMMENT (2019-09-20): Still missing insurance for XXX and XXX. Missing mortgage statements for XXX and XXX. Exception remains.
BUYER - GENERAL COMMENT (2019-09-24): Waived - Seller does not have additional documentation. Borrower has a history of managing rental properties, credit history and FICO score is evidence of such. Loan is a S&D, also priced as Non ATR /Non QM.
REVIEWER - WAIVED COMMENT (2019-09-30): Client acknowledges the condition

1450000360

XXX

$XXX

6/XX/2015

Primary

Refinance Rate/Term

Safe Harbor QM

[3] Government Documentation - FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.: -
[3] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.: -
[3] Government Documentation - FHA MIP Error: Missing evidence of case number assignment date.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: -

Defect reason provided on tape has been confirmed - Uninsurable: Multiple loan with same case number.
The initial addendum to loan application was dated prior to the loan application.
The Important Notice to Home buyer was dated 03/XX/2015 and the initial 1003 was dated 03/XX/2019.
The loan file is missing the Case Number Assignment information dated prior to closing.
The initial addendum to loan application was not signed by borrower or lender.
The document is not signed by lender and the Action Date of 4/XX/15 is after the date the Borrower signed the loan application on 3/XX/15.

BUYER - GENERAL COMMENT (2019-08-23): Acknowledged
REVIEWER - WAIVED COMMENT (2019-08-26): The Client has acknowledged this exception and is electing to waive it without compensating factors.
BUYER - GENERAL COMMENT (2019-08-23): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-23): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-23): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2019-08-23): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors.

1450000351

XXX

$XXX

6/XX/2019

Primary

Purchase

Non QM

Defect reason provided on tape has been confirmed. - Business Decision by XXX to close the loan as a Portfolio loan - Insufficient Income/High Ratios. Borrower works for a construction company for only 1 month having worked at another construction company for 1yr. Variable hours so we cannot support 2yr average since he was in a different line of work prior to starting in the construction field 5/2018. Calculation of income is history of 12 month base type hours applied to the new jobs hourly rate.

***AUS and 1003 show lender used a lesser income than the borrower's current guaranteed 30 hours a week at $33.95 per hour. WVOE's in file confirm borrower has been in construction for 1 year and a month and prior employment was as a driver.
Loan is no longer agency eligible - please advise which guidelines are applicable.
Source of funds for the earnest money deposit was not evidenced in the loan file. Therefore, the $2000 earnest money deposit was not included in the available assets.
Missing verification of $2000.00 Earnest Money Deposit listed on Final Closing Disclosure.

BUYER - GENERAL COMMENT (2019-09-12): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-17): Lender acknowledges condition.
BUYER - GENERAL COMMENT (2019-09-03): Waived - priced as atr fail
REVIEWER - WAIVED COMMENT (2019-09-09): Client requests to waive the condition.
BUYER - GENERAL COMMENT (2019-09-03): Waived - stated defect
REVIEWER - WAIVED COMMENT (2019-09-09): Client requests to waive the condition.
SELLER - GENERAL COMMENT (2019-09-25): EM from title - not used for UW purposes by FIMC
REVIEWER - WAIVED COMMENT (2019-09-30): Client acknowledges the condition

1450000350

XXX

$XXX

2/XX/2018

Primary

Refinance Cash-out - Other

Non QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[1] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date 04/XX/2018, Note Date 02/XX/2018

A copy of the Fraud report missing from file
Due Diligence results do not confirm loan defect provided:Undisclosed Liability Client opened a new car debt on 2/XX/18 prior to close on 2/XX/18 that increased the DTI to 66%. *** There is no post closing credit report or other evidence of a new car debt on 2/XX/18 prior to close on 2/XX/18.
Provided updated Haz insurance policy as Expiration Date 04/XX/2018 is within 90 days of Note.

BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-18): Client acknowledged the condition
BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-18): Client acknowledged the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - XXX uses DataVerify as one of their primary resources for fraud prevention. The DataVerify/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to DataVerify and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-09-18): Client elected to waive the condition

1450000349

XXX

$XXX

5/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: Employment Both client's left their qualifying employer on 3/XX/18 which was prior to application. Our recert VOEs indicated active employment, info current as of 04/XX/18, however, we did not have employment validation in DU findings due to an inability to support income using asset acct info. *** There is no evidence in the file to support this.

BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-18): Client acknowledged the condition

1450000348

XXX

$XXX

4/XX/2018

Primary

Refinance Cash-out - Other

Safe Harbor QM

[3] Guideline Issue - Borrower is not currently employed.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Employment There are two incurable defects on the loan that result in the DTI being incalculable. Our recent VOE informed us client was no longer employed as of 03/XX/18 prior to closing on 4/XX/18. Additionally, client opened a new debt on 03/XX/18 prior to application on 3/XX/18.

BUYER - GENERAL COMMENT (2019-09-18): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-26): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-18): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-26): Client acknowledges the condition

1450000347

XXX

$XXX

9/XX/2018

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $17,792.57 is less than Cash From Borrower $18,839.76.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Missing evidence of EMD funds in the amount of $1,000.00.
Defect reason provided on tape has been confirmed. Property The subject property is in C5 condition and is ineligible for delivery to Freddie. The property needed $9,500 in repairs to bring the property to C4 condition. The property needed extensive exterior painting. The home is currently under major renovation and the client does not plan to complete the cited repairs needed in the near future.

BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.

[3] General - Subject is not in average or better condition.: Valuation Type: Appraisal / Valuation Report Date: 08/XX/2018 Property Condition:
C5

1450000346

XXX

$XXX

1/XX/2019

Primary

Purchase

Non QM

[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Insurance Documentation - Missing Document: Mortgage Insurance Certificate (MIC) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

The loan file is missing a Form W-2 from the previous year or a standard VOE, and a Verification of Employment dated within 10 business days of closing.
Fraud report is missing from file.
The loan file is missing a copy of the Mortgage Insurance Certificate.
Defect reason provided on tape has been confirmed - Compliance The loan officer was not authorized to conduct business at the time near closing. The Legal Licensing Compliance team here has confirmed this loan is unsaleable. This loan was able to close due to the Loan Officer not submitting their state specific licensing renewals on time, and a lack of participation changes causing it not to be reviewed again. Once the officer's renewal was submitted, it was caught that they currently were not authorized to conduct business in the specific state that the loan closed in.

BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-09-16): Waived - XXX uses DataVerify as one of their primary resources for fraud prevention. The DataVerify/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to DataVerify and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.
BUYER - GENERAL COMMENT (2019-09-16): Waived - Duplicate
REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.

1450000345

XXX

$XXX

6/XX/2019

Primary

Purchase

Safe Harbor QM

Defect reason provided on tape has been confirmed -  Employment  We received a recert VOE on the day of closing which revealed the client was not employed. The client states they started a self-*employed lawn service, and will not be returning to a work as a W2 employee. Due to a lack of history the self-employment cannot be used to qualify," has been confirmed. The loan file was underwritten utilizing W2 income for a two year period and guidelines required proof the borrower was employed dated within 10 days of closing.  The VOE in file dated the day of closing confirmed the borrower was no longer employed as of 05/XX/2019.  While the borrower's business bank statements used for asset requirements noted the account was opened in 05/2015, self employment income was used nor verified.
The VOE obtained the day of closing indicated the borrower was no longer employed.
The borrower used a business account from his XXX business to satisfy the asset requirements.  The loan file contained no letter from a CPA stating use of these funds were allowed and would not impact the business.
The loan file contained no copy of the earnest money deposit and no letter was provided from a CPA or likewise stating the use of the borrower's business funds would not impact the business.
The loan file was underwritten with W2 income and the AUS required proof the borrower was employed at the time of closing.  The VOE indicated the borrower was terminated a month prior to close and no updated income information was provided. Additionally, the loan file contained no evidence that the use of the business funds for asset requirements would not effect the borrower's lawn service business.
The loan file was missing the PMI cert.

BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Duplicate
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition

1450000344

XXX

$XXX

2/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 51.25382% exceeds AUS total debt ratio of 45.74000%.
[3] Income Documentation - Income Docs Missing:: - P&L Statement
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed as Income  We incorrectly excluded the self employment loss from the client's business, CVG Holdings, and once corrected the DTI is greater than the program max.  The monthly negative income of $991.83 results in a total DTI of 51.84%.
The Lender did not include negative income from the Borrowers self-employed partnership.
Income documentation does not include a Profit and Loss Statement or 2 years of signed business and personal tax returns.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing a current quarterly Profit and Loss Statement.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing  a current quarterly Profit and Loss Statement, and 2 years signed personal and business tax returns.

BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-09-16): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges the condition

1450000343

XXX

$XXX

2/XX/2019

Primary

Refinance Cash-out - Other

HUD Safe Harbor QM

Defect reason provided on tape has been confirmed - Income We used rental income to qualify the client when we should not have. The property type was entered as a 24 unit during origination, but was flipped to a single family residence at a later point. Without this income, DTI increases to 59.5%.

All evidence from 1003, appraisal, Security Instrument and final 1008 indicate subject property is Single Family Residence and not a 2-4 family. As such rental income should not have been used to qualify. Thus, increasing DTI over 59% deeming loan ineligible for DU or FHA refinance.
no evidence found of Mortgage insurance cert.
Fraud report missing from file.

BUYER - GENERAL COMMENT (2019-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-09-16): Waived - Loan could not be insured.
REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.
BUYER - GENERAL COMMENT (2019-09-16): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.

1450000342

XXX

$XXX

5/XX/2019

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed:Incorrect income calculation - self employed, Calculation included co-bwr receiving an officer compin the amt of $15K but most recent business returns (1125-E) reflect only the primary borr received an officer comp of $15K and not $30K as the $30K was for both. DTI now at 54. LE - missing, new borrower added on 4/XX and disclosure pkg was not sent out until 5/XX.

***Does not appear that income information was taken from K-1 statements provided for both borrowers. Co-borrower added 04/XX/2019, disclosures were provided same date as per eSign certificate provided

BUYER - GENERAL COMMENT (2019-09-19): Waived - AMC DD EV 2
REVIEWER - WAIVED COMMENT (2019-10-01): Client elects to waive.

1450000341

XXX

$XXX

3/XX/2017

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $35,104.02 is less than Cash From Borrower $52,753.04.
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 03/XX/2017
Disaster End Date: 10/XX/2017
Disaster Name: XXX
Disaster Declaration Date: 09/XX/2017
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Seller contributions on the subject transaction exceeded the Borrower's actual costs. The loan was evaluated by DU, and received a risk classification of Approve/Eligible, based in part on a total debt ratio of 42%. However, the Borrower's income was overstated, and total debts were understated. Based on the revisions noted above, the Borrower's revised debt ratio is 49%, which significantly exceeds both the DU-approved ratio of 42% and manual underwriting guidelines.
The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.

BUYER - GENERAL COMMENT (2019-09-20): Acknowledged
REVIEWER - WAIVED COMMENT (2019-09-26): Client acknowledged the condition
BUYER - GENERAL COMMENT (2019-09-20): Waived - irrelevant now due to age
REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-09-20): Waived - bpo
REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition

[3] General Appraisal Requirements - Valuation Error: Appraiser and/or Supervisory appraiser are not licensed or certified in the appraiser national registry.: -

1450000340

XXX

$XXX

3/XX/2019

Primary

Refinance Cash-out - Other

Safe Harbor QM

Defect reason provided on tape has been confirmed. - FHA Uninsured - FHA loan determined uninsurable due to Maximum Mortgage Amount exceeded per FHA guidelines. Refinance was completed within 12 months of case number assignment requiring Borrower to use an Adjusted Value that is the lesser of the Purchase Price or Property Value. Borrower utilized an appraised value of $XXX instead of the lesser value of $XXX from the purchase 11 months earlier.
...
Appraiser noted the borrowers purchased the property on 4/XX/2018 for $XXX and the current appraisal value is $XXX. The Final CD disclosed value source as the appraisal value. The Case Number Assignment date is 3/XX/2019. The adjusted value of $XXX should have been used to determine the LTV. If the acquisition date was greater than 12 months prior to the Case Number Assignment date then the adjusted value would have been the appraisal value.

BUYER - GENERAL COMMENT (2019-09-25): Acknowledged
REVIEWER - GENERAL COMMENT (2019-10-01): Client acknowledged
BUYER - GENERAL COMMENT (2019-09-25): Acknowledged
REVIEWER - GENERAL COMMENT (2019-10-01): Client acknowledged

1450000339

XXX

$XXX

12/XX/2018

Primary

Refinance Rate/Term

Non QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of  $9,774.17 is less than Cash From Borrower $10,107.84.
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 08/XX/2018
Disaster End Date: 06/XX/2019
Disaster Name: XXX
Disaster Declaration Date: 07/XX/2019
[3] Government Documentation - FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.: -
[3] Government Documentation - FHA Informed Choice Disclosure is missing.: -
[3] Government Documentation - FHA Loan Transmittal (92900-LT) is missing.: -
[3] Government Documentation - FHA MIP Error:  Missing evidence of case number assignment date.
[3] Government Documentation - Final HUD Addendum 92900-A is missing.: -
[3] Government Documentation - Important Notice to Homebuyer (92900-B) is missing.: -
[3] Government Documentation - Initial HUD Addendum 92900-A is missing.: -
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Assets for Closing of  $9,774.17 is less than Cash From Borrower $10,107.84.
The property is located in XXX, TX.  Provide a post-disaster inspection verifying there was no damage from enter disaster info here.  The inspection must include exterior photos and the property must be re-inspected on or after 7/XX/19 declared end date.
Missing FHA - Conditional Commitment DE Statement of Appraised Value
Missing FHA - Informed Choice Disclosure
Missing  FHA - Loan Transmittal
Missing case number assignment date.
Missing FHA - Final HUD Addendum to the Loan Application 92900-A
Missing FHA - Important Notice to Homebuyer
Missing FHA - Initial HUD Addendum to the Loan Application 92900-A
Missing mortgage insurance certificate and mortgage insurance evidence.
Defect reason provided on tape has been confirmed - FHA UNINSURED:  Note/credit is held in name of an individual • Title/Ownership/Mortgage is in the name of an individual as CUSTODIAN for a minor child under the Texas uniform Transfers to Minor.

BUYER - GENERAL COMMENT (2019-10-01): Acknowledged
REVIEWER - GENERAL COMMENT (2019-10-02): Client acknowledged
REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Cleared - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Waived - 9/XX/19 BPO showed no damage.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.
BUYER - GENERAL COMMENT (2019-10-01): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.

1450000338

XXX

$XXX

4/XX/2018

Primary

Refinance Cash-out - Other

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape of "Occupancy Misrepresentation," has been confirmed. The subject transaction contained two borrowers, one of which acted as a co-signer and had no intentions of residing in the property. The loan file provided no evidence the borrower resided at the subject property and a Fraud search returned the borrower's current address as the one shared with the co-borrower and also noted as the previous residence.

BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception

1450000337

XXX

$XXX

12/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Exceeded FNMA interested party contribution (3%) by $170.00

BUYER - GENERAL COMMENT (2019-10-09): Waived - AMC 2 - S&D REASON.
REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception.

1450000336

XXX

$XXX

6/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed : LTV including financed MI exceeds the program.

BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D REASON CONFIRMED
REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception.

1450000335

XXX

$XXX

10/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] General - Flood Certificate Subject Address does not match Note address.
[3] Insurance Analysis - Insurance address does not match Note address.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed :Docs weren't printed correctly and they are cut off. We received original DPA Note and sent it to XXX. (LD) 12/XX/18-XXX meeting with their legal team tomorrow to discuss recorded docs. 1/XX/2019-We can't recover the XXX grant. XXX will not purch
**** The loan file contained complete mortgage documents with signatures. The XXX grant was for a term of 120 months and the loan file did not provide evidence to support the defect of funds recovery.
Flood Certificate Subject Address missing the unit number.
Insurance address missing the unit number.

BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception.
BUYER - GENERAL COMMENT (2019-10-16): Acknowledged - Condo complex address is on the document.
REVIEWER - WAIVED COMMENT (2019-10-17): Client acknowledges the exception.
BUYER - GENERAL COMMENT (2019-10-16): Acknowledged - Master policy reflect property address, borrower's name and complex.
REVIEWER - WAIVED COMMENT (2019-10-17): Client acknowledges the exception.

1450000334

XXX

$XXX

3/XX/2019

Primary

Purchase

Non QM

[3] Application / Processing - Missing Document: AUS not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - COC - Missing; Loan was created in LOS system incorrectly. The first lien was duplicated in LOS and the 2nd lien loan information was not updated. This caused all loan documents to reflect incorrect information. COC for loan amount change was not sent
...
COC for rate lock missing. No evidence in file the loan amount was changed.
AUS from origination not provided in the file.

BUYER - GENERAL COMMENT (2019-10-09): Waived - AMC EV 2, S&D REASON CONFIRMED
REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-10-09): Refer to 1008 in file.
REVIEWER - GENERAL COMMENT (2019-10-09): AUS is dated 04/XX which is after loan closed on 03/XX. Lender to provide a copy of the aus dated at or prior to close. Exception remains.
BUYER - GENERAL COMMENT (2019-10-09): Waived - 1008 in loan file, loan is also priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-10-10): Client waived exception.

1450000333

XXX

$XXX

7/XX/2017

Primary

Refinance Rate/Term

VA Safe Harbor QM

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 09/XX/2004
Disaster End Date: 09/XX/2004
[3] Government Documentation - Loan Guaranty Certificate is missing.: -
[3] Government Documentation - Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.
[3] Miscellaneous Compliance - Patriot Act Disclosure is missing: -
[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
[2] Insurance Eligibility - Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.

The Hazard Policy did not list the current lender Freedom Mortgage on the policy, rather Ocwen.
Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.

BUYER - GENERAL COMMENT (2019-04-22): disregard PH, use this PDF.
REVIEWER - GENERAL COMMENT (2019-04-24): Patriot Act disclosure not provided and comments attached to finding reference pay history(?) - condition remains outstanding.

1450000332

XXX

$XXX

1/XX/2015

Primary

Purchase

Temporary HPQM (GSE/Agency Eligible)

[3] Guideline Issue - More than one late mortgage payment is present in the last 90 days.
[3] Income Documentation - REO Documents are missing.: - Insurance Verification

The insurance verification for the rental property was not located in the loan file.
No late payments noted within the last 12 months, however, loan was rolling 30 days delinquent from 10/2017 to 01/2018, rolling 60 days delinquent from 02/2018 to 04/2018. Loan was brought current 05/2018 and has been performing since 05/2018.

1450000331

XXX

$XXX

5/XX/2018

Primary

Refinance Cash-out - Other

VA Safe Harbor QM

[2] Insurance Eligibility - Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.

1450000330

XXX

$XXX

5/XX/2019

Primary

Refinance Rate/Term

Fails QM Testing

[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

1450000329

XXX

$XXX

8/XX/2017

Primary

Purchase

Fails QM Testing

[3] Guideline Issue - Current Total Debt Ratio
exceeds 50% guideline maximum.: Current Total Debt Ratio: 53.93777%
[3] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) is not compliant.: -
[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[2] Government Documentation - FHA - Informed Choice Disclosure is not compliant.: -
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

The borrowers did not sign the disclosure.
The 92900-B was provided on 5/XX/2017. The application date is 4/XX/2017.
The 92900-B was not signed by the borrowers.
Per the Post Close credit report, the total consumer debt is $746 resulting in a Post-DTI of 53.93%.

1450000328

XXX

$XXX

5/XX/2019

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Application / Processing - Missing Document: Servicing Comments not provided

1450000327

XXX

$XXX

8/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Guideline Issue - Current Total Debt Ratio
exceeds 50% guideline maximum.: Current Total Debt Ratio: 53.55774%

The Post Close Credit Report reflects total consumer debt of $235 which results in a total DTI of 53.55%.

1450000326

XXX

$XXX

6/XX/2012

Primary

Purchase

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of  $0.00 is less than Cash From Borrower $7,702.78.
[3] Document Error - Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.: -
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 06/XX/2012
Disaster End Date: 11/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018
[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Government Documentation - FHA - Lead Based Paint Attachment - Attached to Purchase Contract is not compliant.: -
[3] Government Documentation - FHA - Real Estate Certification is not compliant.: -
[3] Government Documentation - FHA MIP Error:  Missing evidence of case number assignment date.
[3] Government Documentation - Initial HUD Addendum 92900-A is missing.: -
[3] Application / Processing - Missing Document: AUS not provided
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 06/28/2012, Transaction Date:  06/25/2012
[2] Government Documentation - FHA - Amendatory Clause was provided at or after closing.: - Provided Date: 06/25/2012; Consummation Date: 06/25/2012
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[2] Government Documentation - FHA - Lead Based Paint Attachment was provided at or after closing.: - Provided Date: 06/XX/2012; Consummation Date: 06/XX/2012
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

FHA - Lead Based Paint Attachment was provided at closing.
The file was missing a copy of the initial application and any source of the application date.
FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.
Amendatory Clause was provided at closing.
The MCAW indicated the loan was an AUS approved loan; however the file did not contain the AUS findings for validation.
The Real Estate Certification did not have a date on it and none of the signatures were dated either.
FHA - Lead Based Paint Attachment is not compliant as it was not signed by the seller,
The file was missing a copy of the FHA - Initial HUD Addendum to the Loan Application 92900-A.
The file was missing a copy of the initial application and any source of the application date.
Section VIII notes that the borrower is not a US Citizen or Permanent Resident Alien. No further information is provided.
The file was missing a copy of the Case Number Assignment.
The file is missing any and all asset documentation to verify borrower's XXX account noted on the final 1003.
The Hazard Insurance Policy Effective Date is after the Transaction Date.
Missing income, asset and credit documentation to verify loan.

REVIEWER - GENERAL COMMENT (2019-07-29): Received disclosure which is the same one that was already in the loan file and it is signed the day of closing and not dated within 3 days of the initial application.  Condition remains outstanding.
REVIEWER - GENERAL COMMENT (2019-07-29): The document provided is the same one already in the loan file and the issue is that it is dated the day of closing which was not within 3 days of the application date.  Condition remains outstanding.
REVIEWER - GENERAL COMMENT (2019-07-29): Amendatory clause is in file; however the issue is that it is dated the day of closing.  Condition remains outstanding.
REVIEWER - GENERAL COMMENT (2019-07-29): The disclosure provided is the same as the one in the loan file already and the issue is that it was signed on the day of closing and was clearly not provided within 3 days of initial application. Condition remains outstanding.
REVIEWER - GENERAL COMMENT (2019-07-29): Received a copy of the escrow receipt and cashier's check for the $6100 deposit made from a XXX account, but still no statements for this account provided to source the funds.  Condition remains outstanding.

1450000325

XXX

$XXX

4/XX/2018

Primary

Purchase

Fails QM Testing

[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: Disclosure: FHA - Informed Choice Disclosure (Government Documents)
[3] Application / Processing - Missing Document: Bankruptcy Documents not provided
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 04/XX/2018, Transaction Date: 04/XX/2018
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

1450000324

XXX

$XXX

8/XX/2016

Primary

Purchase

Temporary HPQM (GSE/Agency Eligible)

1450000323

XXX

$XXX

9/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

1450000322

XXX

$XXX

12/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Application / Processing - Missing Document: Servicing Comments not provided

1450000321

XXX

$XXX

6/XX/2019

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan amount discrepancy.: Note loan amount of $250,000.00 exceeds AUS loan amount of $245,097.00.
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $638,813.12 is less than Cash From Borrower $685,638.66.
[3] Income Documentation - Income Docs Missing:: - Paystubs (2019)
[3] Application / Processing - Missing Document: Missing Final 1003
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[1] Credit Documentation - Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification.: -

The account was noted as paid by parent while borrower was an authorized user.
Defect reason provided on tape has not been confirmed - Non-warrantable condo.  The loan file does not contain evidence to verify if the subject condo is warrantable or unwarrantable.
Note loan amount of $XXX exceeds AUS loan amount of $XXX. Loan is no longer agency eligible - please advise which guidelines are applicable
AUS conditions and investor guidelines were not provided. Missing AUS. Loan is no longer agency eligible - please advise which guidelines are applicable.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing the paystubs for the borrower.
The borrower was receiving cash back at closing from gift funds paid on behalf of the borrower along with earnest money  paid prior to close.
The loan file was missing a copy of the final 1003.

BUYER - GENERAL COMMENT (2019-10-04): Acknowledged - S&D, also priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-04): Acknowledged - AMC DD EV 2. S&D REASON
REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-29): Acknowledged - S&D, also priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-10-29): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-10-04): Acknowledged - S&D, also priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-10-24): Acknowledged - Seller does not have the document. Priced as S&D.
REVIEWER - WAIVED COMMENT (2019-10-25): Client Acknowledges the condition

1450000320

XXX

$XXX

6/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 62.60052% exceeds AUS total debt ratio of 44.00000%.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - DU reran after closing to correct income. DTI is now 54.76 and ineligible. A 2 year average was used for all rental income which was counted incorrectly when the DU was generated prior to closing resulting in a much lower income for the investment properties.
Loan is no longer agency eligible - please advise which guidelines are applicable.

BUYER - GENERAL COMMENT (2019-10-17): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-25): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-17): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition

1450000319

XXX

$XXX

6/XX/2019

Investment

Refinance Cash-out - Debt Consolidation

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 53.43583% exceeds AUS total debt ratio of 50.00000%.
[3] General - Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape of "Incorrect income calculation. LPA caution," has been confirmed. Audit confirmed the rental income was incorrectly calculated. After review, a negative cash flow of -$54 was noted resulting in a DTI of 53%.
Due to incorrect rental income calculations, the DTI was increased to 53% and no investor guidelines were provided.
The LP approved the transaction based on a rental cash flow of $480.53. Audit determined there was actually a negative cash flow of $54.
The Acknowledgement of Borrower's Rights were not provided per the Security Instrument.

BUYER - GENERAL COMMENT (2019-10-17): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-25): Client acknowledges the exception.
BUYER - GENERAL COMMENT (2019-10-17): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-10-25): Client waives the exception.
BUYER - GENERAL COMMENT (2019-10-17): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-10-25): Client waives the exception.
BUYER - GENERAL COMMENT (2019-10-23): Waived - Doesn't impact XXX's ability to purchase the loan.
REVIEWER - WAIVED COMMENT (2019-10-25): Client waives the exception.

1450000318

XXX

$XXX

6/XX/2019

Primary

Refinance Cash-out - Debt Consolidation

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape of "DU is risk class caution," has been confirmed. The loan file contained a post dated LP reflecting Caution/Eligible. While the loan file contained a 1008 reflecting the LP with an Accept/Eligible with the same case ID, it was not located.

BUYER - GENERAL COMMENT (2019-10-17): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-25): Client acknowledges the condition

1450000317

XXX

$XXX

6/XX/2019

Primary

Purchase

Non QM

[3] Guideline Issue - FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.: Borrower's total contribution is 2.02910% ($4,524.90).
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - XXX loan, never sold. Loan is unisurable. Case number was assigned on 5/XX/2019. Based on this date, we are 11 days short of the 6 month requirement for documentation pertaining to a gap in employment for the borrower. All 2nd mortgage/DPA will be released/extinguished upon transfer. The co-borrower's hire date with the XXX is 11/XX/2018 which is less than 6 months to the date of the Case Assignment date,
Borrower's total contribution is 2.02910% ($XXX) does not meet 3.5% minimum.

BUYER - GENERAL COMMENT (2019-10-18): Waived - AMC DD EV 2, S&D REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition

1450000316

XXX

$XXX

6/XX/2019

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Unacceptable Appraisal - Property condition does not meet investor requirements. XXX deems property is still a C5, despite final inspection bringing it up to a C4. Investor will not purchase due to appraisal not being submitted for approval prior to the loan approval/closing. ***Appraisal commentary suggests appraisal is "subject to conditions to bring to a C4."

BUYER - GENERAL COMMENT (2019-10-24): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-25): Client Acknowledges the condition

1450000315

XXX

$XXX

11/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed- The following required documentation was not provided. The sales contract is incomplete. A report regarding the condition of the basement/foundation, which is referenced by the Real Estate Condition Report B-7 as being "attached", is not included in the file. The contract was contingent on a third-party basement/foundation inspection. In addition, the "Amendment to Offer to Purchase" addendum to the contract includes a significant reduction in purchase price and adds a contingency for the Seller to provide receipts for repair/inspection of several additional issues one of which is a potential safety hazard. No third-party inspections or report regarding the soundness of the property was found in the file and no receipts or invoices were provided showing repair issues had been addressed. The subject loan was not eligible for sale to Freddie Mac.

BUYER - GENERAL COMMENT (2019-10-25): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-26): Client acknowledges the condition

1450000314

XXX

$XXX

12/XX/2018

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Guideline Issue - FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.: Borrower's total contribution is 1.90106% ($4,790.67).
[3] Government Documentation - Final HUD Addendum 92900-A is missing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: UN-INSURABLE- INCOME CALS AND WE DON'T MEET DTI REQUIREMENTS. AUS IS NOW REFER. *** The underwriter used a conservative income as audit revealed the borrower's income was in fact higher than what was used for qualification.
The final 92900-A was not located in the loan file.
The loan required 3.5% borrower contributions and the loan file indicated the borrower fell short of the requirement. Loan is no longer agency eligible - please advise which guidelines are applicable
The FHA contribution testing indicated the borrower was short 1.65%.

BUYER - GENERAL COMMENT (2019-10-25): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-26): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-25): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-10-25): Waived - priced as atr fail
REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-10-25): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition

1450000313

XXX

$XXX

6/XX/2018

Primary

Purchase

HUD Safe Harbor QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $14,316.18 is less than Cash From Borrower $13,553.38.
[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -

Defect reason provided on tape has been confirmed - The borrower received gift funds and had minimal funds of her own. The gift funds were entered inappropriately in to Sec II of the 1003 (source of funds). The correct entry should be gift funds, and what was entered as the source of funds was checking and savings. The actual gift amount was only entered in the asset section of the 1003. Entering the funds in this manner caused a false positive on the approval. AUS, while reading the gift funds in the assets section as total overall funds verified for closing, does not read that the down payment is coming from the gift. This slight difference may, in some instances where the borrower has little or no funds of their own, cause AUS to issue a false positive. After correcting the entry, the file was deemed ineligible. Per XXX: We do not have sufficient documentation to underwrite this loan manually and there are no viable compensating factors to allow for the DTI. Regretfully, I do not believe we have any other avenues to resurrect an approval on this loan.
**According to the Gift letter in the loan file from the borrower's fiance, the gift amount was $11,900. The borrower's own funds were $416.18 prior to closing. The $2,000 Earnest Deposit is reflected coming out on the borrower's XXX bank statement (#XXX) dated 5/XX/2018 showing a withdraw for $2,000 on 4/XX/2018 to XXX. There is no receipt, copy of check for the gift funds from the fiance's XXX account, only a copy the actual bank statement dated 5/XX/2018 reflecting a balance of $11,940.13.

BUYER - GENERAL COMMENT (2019-10-28): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-29): Client acknowledges the exception.
BUYER - GENERAL COMMENT (2019-10-28): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-10-29): Client waives the exception.
BUYER - GENERAL COMMENT (2019-10-28): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-10-29): Client waives the exception.
BUYER - GENERAL COMMENT (2019-10-28): Waived - no remedy possible at this point
REVIEWER - WAIVED COMMENT (2019-10-29): Client waives the exception.

1450000312

XXX

$XXX

6/XX/2018

Primary

Refinance Rate/Term

Temporary SHQM (GSE/Agency Eligible)

Defect reason provided on the tape has not been confirmed - **UPDATED DTI 59.04%** Undisclosed Liability: There is additional monthly debt with TD auto Finance that was not disclosed in the loan documentation. Updated DTI of 59.04%. Due to servicing error, August payment did not post until 9/XX/2019. Due to the error, servicer will waive any late fees and refrain from reporting the late payment to the credit agencies. **The loan file does not include any evidence of a auto loan with XXX to verify an additional debt.

BUYER - GENERAL COMMENT (2019-10-29): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-29): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-10-29): Waived - bpo
REVIEWER - WAIVED COMMENT (2019-10-29): Client elected to waive the condition

1450000311

XXX

$XXX

5/XX/2017

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - Agency EPD.
...
Pay history in file reflects the January and February 2018 payments were paid over 30 days past their due date.

BUYER - GENERAL COMMENT (2019-10-30): Acknowledged
REVIEWER - WAIVED COMMENT (2019-10-31): Client acknowledges the exception.

1450000310

XXX

$XXX

7/XX/2018

Primary

Purchase

Safe Harbor QM

1450000309

XXX

$XXX

6/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. Page 1 of the appraisal report reflects the property is a 1-unit; however, the Supplemental Addendum reflects the property is currently a 2-unit with the lower level being one unit and the upper level being the second unit. The appraiser indicates the cost to turn the property back into a single family detached property is $5,000. The file does not contain any documentation to support the property has been returned to a single family residence.

BUYER - GENERAL COMMENT (2019-10-29): Waived - AMC DD EV 2. S&D REASON.
REVIEWER - WAIVED COMMENT (2019-10-29): Client waives exception.

[3] General Appraisal Requirements - Valuation Exception:

1450000308

XXX

$XXX

7/XX/2018

Primary

Purchase

Temporary HPQM (GSE/Agency Eligible)

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed:Insurance Documentation. Project shows as being in a flood zone, but we never got flood insurance in place.

BUYER - GENERAL COMMENT (2019-11-01): Waived - AMC DD EV 2
REVIEWER - WAIVED COMMENT (2019-11-01): Client waives exception.

1450000307

XXX

$XXX

4/XX/2019

Primary

Refinance Cash-out - Debt Consolidation

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: PITIA reserves months discrepancy.: Calculated PITIA months reserves of 0.37 is less than Guideline PITIA months reserves of 3.00.
[3] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of 632 is less than Guideline representative FICO score of 640.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Due Diligence results do not confirm loan defect provided - FHA uninsurable. Error was made in income calculation. Correct DTI is 73%.

BUYER - GENERAL COMMENT (2019-11-05): Acknowledged - AMC DD EV 2
REVIEWER - WAIVED COMMENT (2019-11-05): Client acknowledges exception.

1450000306

XXX

$XXX

5/XX/2019

Primary

Refinance Limited Cash-out GSE

Safe Harbor QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed The client was delinquent on their July 2019 mortgage payment, making this undeliverable to the GSEs. Late payment after closing not documented in file.
The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report as required by the guidelines.

BUYER - GENERAL COMMENT (2019-11-11): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-12): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive the condition

1450000305

XXX

$XXX

7/XX/2019

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Government Documentation - FHA - Amendatory Clause is not compliant.: -
[3] Government Documentation - FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.: -
[3] Government Documentation - FHA - Real Estate Certification is not compliant.: -
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Amendatory Clause was provided at or after closing.: - Provided Date: 07/24/2019; Consummation Date: 07/24/2019
[2] Government Documentation - FHA - Real Estate Certification was provided at or after closing.: - Provided Date: 07/24/2019; Consummation Date: 07/24/2019

Real Estate Cert not singed by seller/realtor or dated prior to close.
Amendatory Clause was signed the day of closing..
Defect reason provided on tape of "Guideline The client is short Funds to Close because of $1,650 in Rent Credits that was used in error. As a result, the client does not meet the minimum down payment required by FHA," has been confirmed.
The AUS required the borrower to contribute $9,712.50; however due to the mis-use of rent adjustments, the borrower funds required to meet FHA guidelines were short.
Real Estate not signed by seller/realtor and not dated prior to close.
Form 92800.5B not signed by underwriter.
Amendatory Clause did not contain seller/realtor signatures.
LDP not located in file.

BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Acknowledged - XXX performs the LDP search on every transaction. They do not upload the search results to their system, but it is done on every transaction. They search each borrower manually.
REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition

1450000304

XXX

$XXX

9/XX/2018

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed -Undisclosed Liability not located. Client opened a XXX auto loan with a monthly payment of $732 on 4/XX/18 prior to closing on 9/XX/18. Including the debt increases the DTI to 63%. The first payment on the debt was not made until 1/XX/19 and the original inquiry does not show up on the original credit report. There was no documentation in the loan file to confirm the undisclosed debt.

BUYER - GENERAL COMMENT (2019-11-11): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition

1450000303

XXX

$XXX

5/XX/2019

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $0.00 is less than AUS Available for Reserves of $1,733.00.
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $2,319.44 is less than Cash From Borrower $9,638.51.
[3] Government Documentation - Loan Guaranty Certificate is missing.: -
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Government Documentation - NPMA-33 Wood Destroying Insect Inspection Report is missing.: -
[3] Income Documentation - REO Documents are missing.: - Bank Statements, Insurance Verification, Tax Verification
[3] Guideline Issue - The Veteran's ETS (Estimated Term of Service) or Statement of Service is within 12 months of the date that the loan closed and no documentation of re-enlistment or other income source was provided.
[3] Government Documentation - VA - Escape Clause is missing.: -
[3] Government Documentation - VA 1003 Section VIII Declarations E, F is missing.: -
[3] Federal Compliance - VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%: Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.
[3] Government Documentation - VA Notice of Reasonable Value/CRV Form 26-1843 is missing.: -
[2] Guideline Issue - The file is missing evidence of the Total Monthly Income taxes used by lender to calculate the VA Residual Income.

Missing evidence of the total monthly taxes used by lender to calculate the VA residual income.
Short assets ($1,733.00) to close per DU. Loan is no longer agency eligible - please advise which guidelines are applicable
Missing the VA escape clause.
Missing the VA 1003 section VIII declarations E and F.
Missing the VA notice of reasonable value.
Missing the loan guaranty certificate.
Missing the wood destroying insect inspection report.
Missing the required documents to verify the monthly costs of the REO.
Missing documentation of re-enlistment or other income source.
Per final CD, cash to close equals $560.79.
Missing limited denial of participation.
Missing General Services Administration.
Missing fraud report.

BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan bid as VA uninsured.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan bid as uninsured VA.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan bid as uninsured VA.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan bid as uninsured VA.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan bid as VA uninsured.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan bid as uninsured VA.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - XXX performs the LDP search on every transaction. They do not upload the search results to their system, but it is done on every transaction. They search each borrower manually.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition

1450000302

XXX

$XXX

8/XX/2018

Primary

Refinance Cash-out - Other

Non QM

Employment Client's qualifying employment was terminated on 8/XX/18 prior to closing on 8/XX/18. Without the income the DTI increases to 102%. Our Worknumber recert VOE showed the client was still employed as of 8/XX/18. The loan was never approved for day one certainty as DU did consume the Worknumber VOE. Postclose research confirms that the client was unemployed until she obtained alternate employment with lower earnings in December 2018.
This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.

BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition

1450000301

XXX

$XXX

11/XX/2018

Primary

Refinance Limited Cash-out GSE

Non QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $1,229.88 is less than Cash From Borrower $1,891.51.
[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 03/XX/2016
Disaster End Date: 04/XX/2016
[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: The subject property is a manufactured home as evidenced by the flood insurance application and the original online listing of the property. Manufactured homes are not eligible for a waiver per Guide section 5601.9, yet loan closed with an appraisal waiver. Subsequent research by QL and title company confirm the property is a manufactured home.

Unable to confirm since the flood insurance application under D0120 is not legible enough to see if the subject property was identified as a manufactured home.
The hazard premium of $3077.10 was paid prior to closing and cash back at closing was $1185.59. $1891.51 is the difference and the borrower's asset balance is $1229.88. Borrower is short by $661.63.
No valuation reports were evidenced in the loan file.
The fraud report was not evidenced in the loan file.

1450000300

XXX

$XXX

10/XX/2018

Primary

Refinance Cash-out - Other

Non QM

[3] Application / Processing - FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.: Disaster Name: XXX
Disaster Declaration Date: 11/XX/2018
Disaster End Date: 11/XX/2018
[3] Application / Processing - Missing Document: Fraud Report not provided

Post close inspection report missing from the loan file.
Fraud Report is missing from the loan file

BUYER - GENERAL COMMENT (2019-11-12): Waived - BPO dated 10/XX/19 show no evidence of damage.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition

1450000299

XXX

$XXX

7/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Issue: Refinance seasoning requirements not met
[3] Income Documentation - Income Docs Missing:: - Third Party Verification
[3] Application / Processing - Missing Document: AUS not provided
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Income Documentation - REO Documents are missing.: - Insurance Verification
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect confirmed: This loan closed as an LPA cash out without the client being personally vested on title for at least six months. Before the loan closed, we identified that the client's business was vested on title, which made the loan ineligible on LPA. An incorrect solution to deed the client onto the business was given, and the loan closed on LPA.
The loan file did not contain verification of the insurance premium for the XXX property.
Missing VOE for self employed Borrower.
Borrower had not been on title the required amount of time.
Loan was approved LP. Loan file is missing LP
Fraud Missing

BUYER - GENERAL COMMENT (2019-11-12): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition
SELLER - GENERAL COMMENT (2019-11-15): Please see attached
REVIEWER - GENERAL COMMENT (2019-11-20): Lender provided a copy of the post-close DU case #XXX Approve/Eligible. The 1008 shows this loan was approved using an LP AUS Key #XXX Streamline Accept. Provide the pre-close LP, AUS Key #XXX Streamline Accept, for review. This issue remains open.
BUYER - GENERAL COMMENT (2019-11-20): Waived - Loan priced as not being agency eligible.
REVIEWER - WAIVED COMMENT (2019-11-21): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-12): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition

1450000298

XXX

$XXX

4/XX/2019

Primary

Refinance Cash-out - Other

Non QM

[3] Government Documentation - FHA Informed Choice Disclosure is missing.: -
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Document Error - There is no dollar amount noted on the title policy.

The policy amount was not reflected on the preliminary title.
Defect reason provided on tape has been confirmed: Borrower refinanced property that consists of two units and the borrower receives rental income on those two units. PITI divided by monthly net sufficient income exceeds 100%.
The disclosure was not evidenced in the loan file.
MI cert or evidence of MI was not found in the loan file.

BUYER - GENERAL COMMENT (2019-11-13): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-13): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - Loan bid as uninsured FHA.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition

1450000297

XXX

$XXX

1/XX/2017

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

1450000296

XXX

$XXX

10/XX/2017

Primary

Purchase

Safe Harbor QM

[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[3] Asset Calculation / Analysis - Short cash to close:: Verified assets of $2,222.48 is short the required cash to close of $2,122.81
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Gift funds not documented properly.  Borrower is not eligible for manual underwrite - not enough reserves.
Due diligence results confirm loan defect provided: Gift funds not documented properly.  Borrower is not eligible for manual underwrite - not enough reserves. ***LOE explains borrower was unaware that a gift from her employer would not qualify as gift funds.
Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
Gift funds not documented properly.  Borrower is not eligible for manual underwrite - not enough reserves.

BUYER - GENERAL COMMENT (2019-11-13): Acknowledged - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-13): Acknowledged - S&D FHA UNINSURED REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition

1450000295

XXX

$XXX

6/XX/2016

Primary

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: Approval not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
[1] Credit Eligibility - Public Record Issue:: -

Defect reason provided on tape has not been confirmed. - Gift funds entered incorrectly. When entered correctly AUS becomes refer. Cannot be manually underwritten.
...
The LP provided in file is a Refer and requires the loan to be manually underwritten. Evidence of the Gift Funds being entered incorrectly was not provided.

BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition

1450000294

XXX

$XXX

7/XX/2016

Primary

Purchase

HUD Safe Harbor QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $831.17 is less than Cash From Borrower $5,124.00.
[3] Guideline Issue - FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.: Borrower's total contribution is 0.71725% ($788.97).
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[3] Government Documentation - Real Estate Certification is missing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[2] Government Documentation - FHA - Lead Based Paint Attachment was provided at or after closing.: - Provided Date: 07/11/2016; Consummation Date: 07/11/2016

Defect reason provided on tape has been confirmed -Manually underwritten without supporting documentation - VOR & Reserves. Family Housing Resources / XXX HOME Consortium Down Payment Assistance not located.

BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - AMC DD EV 2 - S&D REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM. S&D REASON.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition

1450000293

XXX

$XXX

6/XX/2019

Primary

Purchase

Non QM

[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Defect reason provided on tape has been confirmed. - Borrower was on furlough with current employer with documentation stating he would return shortly after closing. He did not return to that company, he currently working for a different company now. With income from the new employer, he does not qualify for current loan. DTI is around 143% with current debts and current income. ***Not Insured***
...
Post-Close paystubs reflect an hourly rate of $10.20 for 40 hours/week plus overtime resulting in a monthly base pay wage of $1,768 compared to the base wage $6781.19 used to qualify.

BUYER - GENERAL COMMENT (2019-11-18): Waived - 1
REVIEWER - WAIVED COMMENT (2019-11-20): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-11-18): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-20): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-11-18): Waived - uninsured
REVIEWER - WAIVED COMMENT (2019-11-20): Client elected to waive the condition

1450000292

XXX

$XXX

7/XX/2019

Primary

Refinance Rate/Term

Safe Harbor QM

[3] Asset Documentation - Aged document: Asset Account date is more than 90 days prior to the note.: - Asset Account Date: 03/29/2019
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Document Error - There is no dollar amount noted on the title policy.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Defect reason provided on tape has been confirmed. - Insufficient income; Investor guidelines require YTD P&L when fiscal year end is more than 4 months prior to close. YTD P&L shows declining income.
...
YTD P&L and wage income results in a total income of $18,433.11 compared to the lender's total qualifying income of $20,849.00.
Loan is no longer agency eligible - please advise which guidelines are applicable.

BUYER - GENERAL COMMENT (2019-11-22): Waived - Seller provided TPOL with amount of insurance coverage to clear a differ exception.
REVIEWER - WAIVED COMMENT (2019-11-22): Client waives exception.
BUYER - GENERAL COMMENT (2019-11-20): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-22): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-11-20): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-11-22): Client waives exception.

1450000291

XXX

$XXX

1/XX/2017

Investment

Refinance Limited Cash-out GSE

Exempt from ATR

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 44.21695% exceeds AUS total debt ratio of 36.55000%.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape of "Fannie Mae came back to us for repurchase due to the appraised value being inflated in our appraisal with the lack of supporting comps in close proximity to the subject and like property characteristics. Fannie feels the appraiser should have used other available comps to determine value.. An AVM may be needed," has not been confirmed. The Appraisal noted 3 multi unit comparables sold within the last 12 months and 2 that were currently listed all within a 3 miles radius. Though the subject was about 20 years younger than 4 of the 5 comparables, adjustments to the subject were made as the three sold comparables had significantly more square footage. All were similar in condition. The two listed comparables were more than 20 years older than the subject property and contained more than $1,000 square feet less than the subject property. The current listing prices were within $5,000 of the appraisers value of $XXX. The appraiser provided additional comparables upon lenders request and heavily noted each adjustment to the subject and all comparables.
A higher DTI was noted during audit due to a variance in rental income calculations. The DU reflected monthly subject rental income of $138.81 and monthly other net rental income of $836.19. This "Other" rental income is unverified. The 2015 Schedule 'E" lists each unit (XXX & XXX) separately while the 2014 Schedule 'E" has them combined with lower income. the final 1003 shows a monthly loss of $795.00 for the investment property in the schedule of REO but a positive $975.00 in section V. Monthly Income. This audit showed a positive $183.97 based on schedule "E" calculations.

BUYER - GENERAL COMMENT (2019-11-20): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-25): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-11-20): Waived - irrelevant on seasoned loan
REVIEWER - WAIVED COMMENT (2019-11-25): Client waives exception.

1450000290

XXX

$XXX

6/XX/2019

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $89,460.41 is less than Cash From Borrower $96,533.76.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Due Diligence results do not confirm loan defect provided - Max DTI of 50% was exceeded as borrower opened two new accounts prior to closing which results in a DTI of 54.2 per investor credit pull. The new debts are auto loans; the borrower co-signed one loan for a family member. The other loan is paid by an individual who is not on on the XXX, but since the loan is new,12 months of payments cannot be documented so it has to be included in the ratios. There is no evidence in the file to support the additional new debt.
The file is missing verification of the Earnest Money Deposit in the amount of $19,000.00.

BUYER - GENERAL COMMENT (2019-11-21): Acknowledged
REVIEWER - WAIVED COMMENT (2019-11-27): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-11-21): Waived - priced as atr qm
REVIEWER - WAIVED COMMENT (2019-11-27): Client waives exception.

1450000289

XXX

$XXX

8/XX/2002

Primary

Purchase

1450000288

XXX

$XXX

2/XX/2007

Primary

Refinance Rate/Term

1450000261

XXX

$XXX

7/XX/2019

Primary

Refinance Cash-out - Other

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Defect 1: Insufficient assets - reserves; Borrower does not meet the 6 months reserve requirement. $1,020.94 was confirmed in assets. Spouse's funds were used as a gift but were not transferred to the borrower. For DU loan casefiles, if the DTI ratio exceeds 45%, six months reserves is required

BUYER - GENERAL COMMENT (2019-11-26): Waived - AMC DD EV 2 - S&D REASON CONFIRMED
REVIEWER - WAIVED COMMENT (2019-12-02): Client elects to waive.

1450000260

XXX

$XXX

9/XX/2018

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed via appraisal-Inadequate heat source, heat lamp in bathroom no heat in kitchen, 660 squ ft home.

BUYER - GENERAL COMMENT (2019-11-27): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-03): Client acknowledges exception.

[3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: -

1450000259

XXX

$XXX

8/XX/2019

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: The loan closed using a paystub that did not meet Agency guidelines (does not include employer's business name). Post-closing, a WVOE was attempted but the borrower has left that job and is now self-employed with no history of self-employed income to use for qualifying. ***The paystub under D0021 does not reflect the employer name and contact information.

BUYER - GENERAL COMMENT (2019-12-03): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-04): Client acknowledges exception.

1450000258

XXX

$XXX

7/XX/2019

Investment

Refinance Cash-out - Debt Consolidation

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - The loan closed qualifying with income from a self-employed business that was calculated incorrectly. A small positive SE income is negated by negative rental income. No usable income for qualifying. **Per the 2017 1120S Tax Return, the ordinary business income is reflected as (-)$21,553 resulting in a negative per month income of (-)$1,796.08. The Rental income from the 5 investment properties, including the subject do not generate positive income, therefore there is no usable income available to document for the borrower.

BUYER - GENERAL COMMENT (2019-12-03): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-04): Client acknowledges exception.

1450000257

XXX

$XXX

5/XX/2019

Primary

Purchase

Non QM

[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Guideline Issue - FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.: Borrower's total contribution is 3.39931% ($5,438.89).
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

The loan was determined post close to not be eligible for FHA insurance as the property flipping guidelines (90 day rule and did not meet time restriction exception requirements).
The hazard policy listed only the second lien holder as the successor.
Defect reason provided on tape has been confirmed : Uninsured FHA Property Flip (86 days).
****FHA guidelines require a seller maintain possession of a property for 90 days in order to be insured by FHA. FHA guidelines defines the seller's date of acquisition as the date the seller acquired legal ownership of that Property and defines the resale date as the date of execution of the sales contract by all parties intending to finance. The title commitment, validated by the appraisers research reflect the date of acquisition as 01/XX/2019. The sales contract was executed by the buyer on 04/XX/2019 which was 86 days. The flipping requirements of 90 days fell 4 days short and did not meet the time restriction exceptions.
The Informed Choice Disclosure located in file was signed the day of closing.
The borrower fell short funds for FHA requirement by $161.11

BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception.
BUYER - GENERAL COMMENT (2019-12-05): Can you please provide more information. Im not sure what the issue is.
REVIEWER - GENERAL COMMENT (2019-12-05): Declarations page reflects 1st mortgagee as XXX ISAOA and should reflect XXX ISAOA. Lender needs to provide corrected declarations page with updated mortgagee clause. Exception remains.
BUYER - GENERAL COMMENT (2019-12-11): Waived - Doesn't impact XXX's ability to purchase the loan.
REVIEWER - WAIVED COMMENT (2019-12-12): Client waives exception.
BUYER - GENERAL COMMENT (2019-12-03): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-03): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-12-03): Waived - Loan isn't FHA insured so issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception.
BUYER - GENERAL COMMENT (2019-12-03): Waived - Loan isn't FHA insured so issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception.

1450000256

XXX

$XXX

6/XX/2017

Primary

Purchase

Higher Priced QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed via appraisal -Uninsured - FHA Refinance Flip

BUYER - GENERAL COMMENT (2019-12-03): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-04): Client acknowledges the condition

1450000255

XXX

$XXX

8/XX/2018

Primary

Purchase

HUD Safe Harbor QM

[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Government Documentation - FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.: -
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Lead Based Paint Attachment was provided at or after closing.: - Provided Date: 08/09/2018; Consummation Date: 08/09/2018

Defect reason provided on tape has been confirmed via appraisal - XXX - FHA Flip; uninsured. **** The subject property was last sold on 4/XX/2018 for $XXX. The appraisal in the file dated 7/XX/2018, reflects the recent sale of the subject again on 6/XX/2018.
FHA - Informed Choice Disclosure was not provided within 3 days of application.
Missing FHA - Conditional Commitment DE Statement of Appraised Value.
Missing Mortgage Insurance Certificate and Mortgage Insurance Evidence.
Missing (LDP) Limited Denial of Participation.
Missing (GSA) General Services Administration.

BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-12-03): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-04): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-12-03): Waived - Loan purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-12-05): can this be waived?
REVIEWER - WAIVED COMMENT (2019-12-05): Client waives exception.
BUYER - GENERAL COMMENT (2019-12-05): Can this be waived?
REVIEWER - WAIVED COMMENT (2019-12-05): Client waives exception.

1450000254

XXX

$XXX

9/XX/2018

Primary

Refinance Cash-out - Other

Non QM

[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Mortgage / Program Eligibility - Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed. - Bid Tape - AUS gave an PIW due to low LTV however TX A6 (cash out) loans are not eligible for PIW. Appraisal was completed after closing to validate the value used. Loan is ineligible for delivery to Agency due to the appraisal date being after the closing date.
...
Appraisal in file completed after closing.
The appraisal report dated 10/XX/2018 reflects the property was vacant at the time of inspection and the loan was originated as a primary residence.
Missing fraud report.

BUYER - GENERAL COMMENT (2019-12-03): Acknowledged
REVIEWER - GENERAL COMMENT (2019-12-04): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition
BUYER - GENERAL COMMENT (2019-12-05): can this be waived?
REVIEWER - WAIVED COMMENT (2019-12-05): Client waives exception.

1450000253

XXX

$XXX

8/XX/2019

Primary

Purchase

Non QM

[3] Insurance Analysis - The Hazard Insurance Policy effective date is after the Transaction Date.: Hazard Insurance Policy Effective Date 08/XX/2019, Transaction Date: 08/XX/2019
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: 11/XX/2019 Loan Canceled with XXX XXX, will review for remarket- doesn't look like it will qualify . Will know more Friday 11/XX/19. Income Calc Issue. *** The loan was manually approved with Capital Gain Income. The borrower provided three years of Capital Gain, Royalty and Schedule E income as well as sufficient assets to support approval.
The Hazard Policy noted the effective date as 08/XX/2019 and the CD Signature/Security Instrument notary date was noted as 08/XX/2019.

BUYER - GENERAL COMMENT (2019-12-06): Is this for XXX to clear or for XXX?
BUYER - GENERAL COMMENT (2019-12-06): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-07): Client acknowledges the condition
SELLER - GENERAL COMMENT (2019-12-06): The loan funded on 8/XX which is when the policy needs to be effective.
BUYER - GENERAL COMMENT (2019-12-06): Waived - no longer relevant
REVIEWER - WAIVED COMMENT (2019-12-07): Client elected to waive the condition

1450000252

XXX

$XXX

9/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 1,447.94986% exceeds AUS total debt ratio of 47.32000%.
[3] Income Documentation - Income Docs Missing:: - Balance Sheet, P&L Statement
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape of "Miscalculation of income that resulted in negative $5,800 in monthly income. Borrower owns 3 investment properties and has $277,725 in retirement account," has been confirmed.   Audit determined multiple issues noted with income calculations.  The 2018 Schedule K-1 for the borrower's business XXX noted 4 properties; however the underwriter used one of the properties (XXX) operating under the business as REO income which decreased the monthly rental income by $208.  The underwriter also used a salary of $2,500 paid bi-monthly; however the pay stub indicates the borrower is paid bi-weekly which increased the monthly income by $416.67.  Additionally, the underwriter appears to have used a 2 year average for the farming Schedule F-Rice income; however, the 2017 and 2018 Schedule F indicated decreasing income and no YTD earnings were located in the loan file.  As such, a one year average should have been used resulting in a decrease of income by $5,728.42 monthly. These miscalculations resulted in a lower monthly income by $5,519.75.  It should be noted the borrower provided verification of additional Schedule F income from XXX and XXX totaling an additional $25,426.67 in monthly income that was not used in qualifying.
Audit determined multiple issues noted with income calculations.  The 2018 Schedule K-1 for the borrower's business XXX noted 4 properties; however the underwriter used one of the properties (XXX) operating under the business as REO income which decreased the monthly rental income by $208.  The underwriter also used a salary of $2,500 paid bi-monthly; however the pay stub indicates the borrower is paid bi-weekly which increased the monthly income by $416.67.  Additionally, the underwriter appears to have used a 2 year average for the farming Schedule F-XXX income; however, the 2017 and 2018 Schedule F indicated decreasing income and no YTD earnings were located in the loan file.  As such, a one year average should have been used resulting in a decrease of income by $5,728.42 monthly. These miscalculations resulted in a lower monthly income by $5,519.75.  It should be noted the borrower provided verification of additional Schedule F income from XXX and XXX totaling an additional $25,426.67 in monthly income that was not used in qualifying.
The underwriter used wrong income calculations while assessing the rental and farming income. Loan is no longer agency eligible - please advise which guidelines are applicable
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing P&L's and balance sheets.
Loan is no longer agency eligible - please advise which guidelines are applicable.  File was missing P&L's and balance sheets.

BUYER - GENERAL COMMENT (2019-12-09): Acknowledged - AMC DD EV 2 - S&D REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-12-10): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-12-09): Acknowledged - RELATED TO S&D REASON, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-12-10): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-12-09): Acknowledged - S&D REASON, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-12-10): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-12-10): Waived - Seller does not have docs. S&D, priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-12-10): Client waives exception.
BUYER - GENERAL COMMENT (2019-12-10): Waived - Seller does not have docs. S&D, priced as Non ATR / Non QM.
REVIEWER - WAIVED COMMENT (2019-12-10): Client waives exception.

1450000251

XXX

$XXX

9/XX/2019

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Income Documentation - REO Documents are missing.: - Insurance Verification, Statement, Tax Verification
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Borrower has a second property that we did not consider in qualifying. The Final loan application reflects a P&I payment of $1,412.82 for the borrower's primary residence located @XXX. The loan file does not contain evidence this property was sold and the monthly P&I, taxes and insurance was not counted towards the total DTI.

BUYER - GENERAL COMMENT (2019-12-09): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-11): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-12-09): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2019-12-11): Client elected to waive the condition

[3] Appraisal Data Integrity - Appraiser's license or certification was not active at the time of the appraisal.: -

1450000250

XXX

$XXX

9/XX/2019

Investment

Purchase

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Investment property, 2% max interest party contribution was exceeded. The seller paid fees totaled $XXX which exceeds the 2% allowed max of $XXX.

BUYER - GENERAL COMMENT (2019-12-09): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-11): Client acknowledges the condition

1450000249

XXX

$XXX

5/XX/2019

Primary

Refinance Cash-out - Other

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Salability issue. Closed w/o valid AUS approval. Must have 740 minimum score with FHLMC to do cash out at 85 LTV. Borrower score is 691. **The LP findings in the loan file reflects the loan in ineligible for purchase eligibility due to the LTV of 85%. The maximum LTV for a cash out refinance for a 1 unit property is 80% and the borrower's FICO score must be at least 740 however the FICO generated before closing was 691.

BUYER - GENERAL COMMENT (2019-12-11): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-12): Client acknowledges exception.

1450000248

XXX

$XXX

10/XX/2018

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $26,655.03 is less than Cash From Borrower $98,100.58.
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $26,655.03 is less than Cash From Borrower $98,100.58.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - Repurchase.  Undisclosed debt in the amount of $568 per month for a new car which resulted in a DTI of 53.47%. Loan closed 10/XX/18 and the new debt was opened in October. **The loan file does not contain evidence of an auto loan acquired in October of 2018.  The credit reports in the loan file are dated prior to closing therefore do not reflect any new consumer date as of 10/XX/2018 pr prior.
The loan file is missing the proof of gift funds.  The loan file only contains 3 gift letters but no evidence of a transfer or deposit prior to or at closing.
The loan file is missing the proof of gift funds.  The loan file only contains 3 gift letters but no evidence of a transfer or deposit prior to or at closing.

BUYER - GENERAL COMMENT (2019-12-12): Acknowledged - AMC DD EV 2 - S&D REASON CONFIRMED.
REVIEWER - WAIVED COMMENT (2019-12-13): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-12-12): Acknowledged - LOAN CLOSED IN 2018. S&D REASON, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-12-13): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-12-12): Acknowledged - LOAN CLOSED IN 2018. S&D REASON, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2019-12-13): Client acknowledges the condition

1450000247

XXX

$XXX

7/XX/2019

Primary

Purchase

Safe Harbor QM

[3] Application / Processing - Missing Document: AUS not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Document Error - There is no dollar amount noted on the title policy.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Defect reason provided on tape of "Income used for qualifying declined over the past two years and is scheduled to decrease going forward. Without the income in question, DTI increased to 56.992%," has been confirmed. The year ending pay-stubs provided for 2017 and 2018, while show an increase in salary wages, showed a decrease in Restricted Stock Unit income which appears to continue into 2019. It should be noted there was additional monthly bonus income of $1,4375.50 was not included in the qualification and the lease payment used in DTI only had one remaining payment left prior to close.
Missing AUS.

BUYER - GENERAL COMMENT (2019-12-17): Waived - Duplicate of suspension created by XXX.
REVIEWER - WAIVED COMMENT (2019-12-19): Client waives exception.
BUYER - GENERAL COMMENT (2019-12-17): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-19): Client acknowledges exception.
BUYER - GENERAL COMMENT (2019-12-17): Waived - 1008 indicates that the loan was a manual underwrite.
REVIEWER - WAIVED COMMENT (2019-12-19): Client waives exception.

1450000246

XXX

$XXX

10/XX/2018

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Number of units discrepancy.: Appraisal number of units of 2 does not match AUS number of units of 1.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Due diligence results confirm loan defect provided - Loan was u/w and approved as one unit, but is in fact a two unit. The LTV EXCEEDED THE MAX FOR A 2 UNIT PROPERTY/. Loan is unsaleable. The valuation confirms that the subject is a 2 unit property.
Due diligence results confirm loan defect provided - Loan was u/w and approved as one unit, but is in fact a two unit. The LTV EXCEEDED THE MAX FOR A 2 UNIT PROPERTY/. Loan is unsaleable. The valuation confirms that the subject is a 2 unit property.

BUYER - GENERAL COMMENT (2019-12-20): Acknowledged
REVIEWER - WAIVED COMMENT (2019-12-27): Client acknowledges the condition
BUYER - GENERAL COMMENT (2019-12-20): Waived - stated defect
REVIEWER - WAIVED COMMENT (2019-12-27): Client elected to waive the condition

1450000160

XXX

$XXX

6/XX/2019

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided
[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.

Defect reason provided on tape has not been confirmed - Loan is supposed to be LP program only but was approved with DU. LP ran after closing and FICO dropped from 621-568 (min. 640) and DTI increased from 39.18 to 42.10
Hazard Insurance policy lists XXX.

BUYER - GENERAL COMMENT (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-01-03): Lender waives exception.
BUYER - GENERAL COMMENT (2020-01-02): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-03): Lender acknowledges exception.

1450000159

XXX

$XXX

5/XX/2019

Investment

Purchase

Exempt from ATR

Defect reason provided on tape of "Incorrect income calculation. Negative income of $8508.65 due to ($10487.51) SE income loss. Unable to locate copy of current lease/rental agreement for rental property #5 on the final 1003 - (XXX) to support rental income used for qualifying of $10,500/per month. DU requires satisfactory housing payment history for property #3 on the final - (XXX). Per DU, there is a private mortgage secured with this property; however unable to locate copy of an acceptable mtg payment history in file. *** FICO 1x30 on XXX flexible spending card 3/XX, balance $455," has been confirmed. While the credit report did not reflect any delinquent payments, the defects surrounding lack of pay history and lease agreement remain valid. The loan file provided a statement from the borrower stating the XXX property did not contain a convention bank statement as the note was to a private party. Payments were made biannually and the loan file did not provide evidence of these payments. The loan file also did not provide a lease agreement or Schedule E to verify rental income for the XXX rental property.
The AUS required verification of rental income and the file did not contain a lease agreement or Schedule E for the XXX rental property.

BUYER - GENERAL COMMENT (2020-01-02): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-03): Client acknowledges exception.
BUYER - GENERAL COMMENT (2020-01-02): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2020-01-03): Client waives exception.

1450000158

XXX

$XXX

9/XX/2019

Primary

Refinance Rate/Term

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has not been confirmed as no evidence in file - Lost PIW before closing however borrower is not willing to allow for a post closing appraisal. COLLATERAL - DOT may be a trailing document due to recent funding. eSign Process Summary shows First Lien Appraisal Waiver - Receipt Form e-signed by borrower 09/XX/2019. Approval shows transaction has no appraisal.

BUYER - GENERAL COMMENT (2020-01-02): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-03): Client acknowledges exception.

1450000157

XXX

$XXX

9/XX/2019

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

This is a condominium project that was incorporated in 1974. ASMC performed a Limited Review as allowed by FNMA. All documents were obtained, however at some point in running the FNMA DU, the property switched to Full Review. With secondary financing added to the trascation resulted in a 95.00% CLTV. The loan closed without the HOA having a sufficient level of fidelity bond coverage to make the loan FNMA eligible.

BUYER - GENERAL COMMENT (2019-12-30): Waived - 2
REVIEWER - WAIVED COMMENT (2020-01-02): Client waives exception.

1450000156

XXX

$XXX

8/XX/2019

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed per LP- Loan closed with incorrect tax amount. This increased the DTI to 54% resulting in an ineligible loan.

BUYER - GENERAL COMMENT (2019-12-30): Acknowledged
REVIEWER - GENERAL COMMENT (2019-12-31): Client elected to acknowledge the condition

1450000155

XXX

$XXX

5/XX/2019

Primary

Refinance Cash-out - Other

Safe Harbor QM

[3] Income Documentation - REO Documents are missing.: - HOA Verification, Tax Verification
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape of "UW miscalculated income for self employed borrower' update borrower has 0 income," has not been confirmed. The borrower provided evidence of wage earnings from the primary employment and Schedule D and K-1 income loss which was captured. The Co-borrower also provided income from the S-Corp but was not used in qualifying.
Verification of current taxes and HOA costs were not located in the loan file.Loan is no longer agency eligible - please advise which guidelines are applicable.

1450000154

XXX

$XXX

5/XX/2019

Investment

Purchase

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 18.25 is less than AUS PITIA months reserves of 31.00.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $289,183.85 is less than AUS qualifying asset balance of $329,883.69.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape of "Income not calculated correctly," has not been confirmed. The borrower's owned and operated an S-Corp business and income was used utilizing 12 months bank statements. The DU was present, the 1008 indicated the loan was manually underwritten. The business contained 2 different bank accounts with a combined 12 month average income of approximately $50K. The underwriter used a conservative monthly income $41K. The loan file supported this income with the 2018/2017 1120S. Additionally, per the 1008, the Operating Income Schedule noted the monthly rent amount as $2,750 and the underwriter used a lesser of $2,500.

BUYER - GENERAL COMMENT (2020-01-07): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-07): Waived - not a concern
REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-07): Waived - not a concern
REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition

1450000153

XXX

$XXX

4/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Borrower not employed as disclosed at time of closing. ****Per lender correspondence e-mail chain, a FNMA VOE was referenced which confirms the co-borrower was only a contract employee and that the assignment ended prior to closing on 04/XX/2018. This is confirmed by the post closing Work Number VOE dated 01/XX/2019.

BUYER - GENERAL COMMENT (2020-01-07): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition

1450000152

XXX

$XXX

8/XX/2018

Primary

Refinance Cash-out - Debt Consolidation

Non QM

[3] Insurance Analysis - Insurance address does not match Note address.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape of "Undisclosed liability," has not been confirmed. Credit obligations were verified using a credit reported dated 07/XX/2018 and an updated reported was done on 07/XX/2018. There were multiple recent credit inquiries noted on each report which was addressed with a Letter of Explanation from the borrower citing no new loans were originated. The defect provided no information regarding the undisclosed debt and the loan file did not contain evidence (post credit report) validating of such a claim.
Insurance address does not match note.

1450000151

XXX

$XXX

9/XX/2019

Second Home

Purchase

Non QM

1450000150

XXX

$XXX

1/XX/2015

Primary

Purchase

Non QM

Due Diligence results do not confirm loan defect provided - The co-borrower left his employment prior to closing and did not report that information to the loan officer. His income was used in qualifying for the loan. This was discovered in a post-closing QC review and self-reported by seller. It appears a contact name was given to the processor by the co-borrower which she used to verbally verify his employment even though he had already left his employer. This loan has been self-reported to Corporate Security as well. There was no evidenced found in the file to support the defect.

1450000149

XXX

$XXX

6/XX/2015

Primary

Purchase

Safe Harbor QM

[3] Credit Documentation - Aged document: Credit Report  is more than 90 days prior to the note date.: -
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of  $1,618.44 is less than Cash From Borrower $7,098.23.
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 04/XX/2015
Disaster End Date: 09/XX/2016
Disaster Name: XXX
Disaster Declaration Date: 08/XX/2016
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason on tape has not been confirmed. The origination appraisal did not adequately support the value stated and consequently does not allow us to confirm eligibility with respect to mortgage insurance and/or the maximum loan-to-value ratio for the loan. **Per the Appraisal report in the loan file, the comparisons that were used by the appraiser were over 2.3 and 7.2 miles from the subject property. The appraiser comments on this was due to the subject's interior had been updated and had very minimal deferred maintenance. The appraiser did locate similar comparisons however were further away.
Credit Report date 2/XX/2015 is more than 90 days prior to the note date/notary date of 6/XX/2015.
Cash from borrower of $7098.23 is greater than the qualifying reserves of $1618.44.
The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 09/XX/2016 declared end date.

BUYER - GENERAL COMMENT (2020-01-07): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-07): Waived - not a concern now
REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-07): Waived - not a concern now
REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-07): Waived - bpo
REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition

1450000148

XXX

$XXX

11/XX/2019

Primary

Refinance Cash-out - Other

Higher Priced QM

[3] Federal Compliance - VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%: Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.
Defect reason provided on tape has been confirmed . Single wide manufactured home. AUS Findings = Refer/Eligible so file required manual underwrite. LTV = 99.856% which is over the GNMA acceptable cash out LTV guideline (90%). Borrower is on fixed income which was grossed up 15% for qualifying purposes

BUYER - GENERAL COMMENT (2020-01-08): Acknowledged - AMC DD EV 2 - S&D REASON CONFIRMED
REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-16): Per the VA Handbook, the veteran can pay a maximum of: (*) reasonable and customary amounts for any or all of the â€œItemized Fees and Chargesâ€ designated by VA, plus (*) a one percent flat charge by the lender, plus (*) reasonable discount points. In addition to the â€œitemized fees and charges,â€ the lender may charge the veteran a flat charge not to exceed one percent of the loan amount. We are within VA guidelines
REVIEWER - GENERAL COMMENT (2020-01-27): Total charges are $1,387.01 and max is $748.92. Exception remains.

1450000140

XXX

$XXX

12/XX/2018

Primary

Purchase

Non QM

[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed as pay history not located. Repurchased due to early payment default, borrower was 1*90, loan is now current. ***There is no payment history or post dated credit report to confirm the defect.
Hazard Insurance Coverage Amount is insufficient by $XXX.

BUYER - GENERAL COMMENT (2020-01-13): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-13): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition

1450000139

XXX

$XXX

10/XX/2019

Primary

Purchase

Higher Priced QM

[3] Insurance Documentation - Missing Document: Flood Insurance Policy not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Single width manufactured home that is not located in a FNMA approved PUD project. ***The subject property located in XXX, WA is a single wide manufactured home. Per the Fannie Mae Project Eligibility Report as of 1/XX/2020, XXX PUD Project development is not on the list as an approved project for Condo's, PUD's, Co-ops or manufactured homes.

BUYER - GENERAL COMMENT (2020-01-13): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition
SELLER - GENERAL COMMENT (2020-02-10): flood
REVIEWER - GENERAL COMMENT (2020-02-11): Policy provided appears to be the borrower's HOI policy. Even though the policy provides for a flood deductible, the file requires the coverage amount provided within the flood policy and the premium amount. Condition remains.
BUYER - GENERAL COMMENT (2020-02-11): Waived - pg 6 of policy reflects this is indeed acceptable private flood ins
REVIEWER - WAIVED COMMENT (2020-02-12): Client is electing to waive this exception without compensating factors.

1450000138

XXX

$XXX

7/XX/2018

Primary

Purchase

Higher Priced QM

[3] Guideline Issue - Case # Assignment does not indicate "All borrowers passed SSN validation".
[3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: -
[3] Government Documentation - FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

The loan file contained evidence the MI was rescinded due to property type.
Defect reason provided on tape of "Collateral is a single-wide Manufactured home. Borrower quit job prior to closing but does have new employment now. FHA uninsured," has been confirmed. The appraisal noted the subject property as a single wide manufactured home. The loan file contained a refund of premium for the mortgage insurance. A VOE dated the day before closing noted the borrower was employed. Documents in the loan file do not support the borrower was not employed at the time of closing.
FHA document not located in the loan file.
FHA Document not signed by underwriter.
An updated case number assignment stating All borrowers passed validation was not located in the loan file.

BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - AMC DD EV 2 - S&D REASON
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition

1450000137

XXX

$XXX

4/XX/2019

Primary

Purchase

Non QM

Defect reason provided on tape has not been confirmed COC - not Missing; Loan was created in LOS system incorrectly. The first lien was duplicated in LOS and the 2nd lien loan information was not updated. This caused all loan documents to reflect incorrect information. COC for loan amount change was not sent within 3 days.
Subordinate Note was not provided.
The property is located in a FEMA Disaster Area. Provide a post-disaster inspection verifying there was no damage from enter disaster info here XXX. The inspection must include exterior photos and the property must be re-inspected on or after 06/XX/19 declared end date.

BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - AMC DD EV 2
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-13): Waived - XXX IS PURCHASING THE 1ST LIEN ($150,350), PER DILIGENCE RESULTS, LIEN IS IN 1ST POSITION.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - PROPERTY VALUATION OBTAINED
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition

1450000133

XXX

$XXX

5/XX/2016

Primary

Refinance Limited Cash-out GSE

Safe Harbor QM

[3] Government Documentation - Loan Guaranty Certificate is missing.: -
[3] Application / Processing - Missing Document: AUS not provided
[3] Federal Compliance - VA IRRRL Loan - Total Borrower Paid Fees Exceeds 1% or $6,000: Origination Fee and/or Itemized Fees and Charges paid by the borrower, $XXX exceeds 1% of the loan amount plus the cost of energy efficient improvements up to $6000 less cash payment from the borrower for IRRRL loans $XXX.
[3] Government Documentation - VA IRRRL Worksheet VA 26-8923 is not compliant.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Due diligence results confirm loan defect provided - Uninsured repurchase from XXX. Lender correspondence confirms the loan is uninsurable due to the new term being more than 10 years greater than the old term and the new interest rate is higher than the old one.
Origination Fee and Charges paid by the borrower, $XXX exceeds 1% of the loan amount plus the cost of energy efficient improvements less cash payment from the borrower for IRRRL loans $XXX.
VA IRRRL Worksheet VA 26-8923 is missing the signature by representative of Lender.
File is missing a copy of the Loan Guaranty Certificate.
Missing AUS.

BUYER - GENERAL COMMENT (2020-01-14): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-14): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-14): Waived - Issue doesn't impact XXX's ability to purchase this loan as loan is not VA insured.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-14): Waived - Issue doesn't impact XXX's ability to purchase this loan as loan is not VA insured.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-14): Waived - Loan is a VA IRRRL.
REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition

1450000132

XXX

$XXX

12/XX/2016

Primary

Purchase

Non QM

[3] Asset Calculation / Analysis - AUS Findings: Available for Reserves discrepancy.: Calculated Available for Reserves of $0.00 is less than AUS Available for Reserves of $3,198.26.
[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $8,519.34 is less than Cash From Borrower $29,444.47.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - MI Underwriter did not review file against median income limits of bond program. Income exceed maximum for 2 person household. ****Per the HUD 2019 Median Income Limits Documentation found @ https://www.huduser.gov/portal/datasets/il/il2019/2019summary.odn, the Median Income limit for a family of 2 is $69,700. The income for the borrowers with this purchase transaction exceeds the limit with a combined yearly income of $109,593.96.

BUYER - GENERAL COMMENT (2020-01-17): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges exception.
BUYER - GENERAL COMMENT (2020-01-17): Waived - does not have any ROR or assignee liability impact XXX to purchase loan
REVIEWER - WAIVED COMMENT (2020-01-30): Client waives exception.
BUYER - GENERAL COMMENT (2020-01-17): Waived - does not have any ROR or assignee liability impact XXX to purchase loan
REVIEWER - WAIVED COMMENT (2020-01-30): Client waives exception.

1450000131

XXX

$XXX

8/XX/2018

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed: Uninsured VA: Due to the bonus entitlement is less than the minimum of $XXX.
*** The Certificate of Eligibility confirms borrower does not qualify for basic entitlement and the bonus entitlement only applies to loans in excess of $XXX and the new loan amount is $XXX.

BUYER - GENERAL COMMENT (2020-01-18): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges exception.

1450000130

XXX

$XXX

9/XX/2019

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has been confirmed with letter from employer dated 10/XX/19 exclaiming Borrower left job (terminated) 9/XX/19 for another job before loan was purchased by investor.

BUYER - GENERAL COMMENT (2020-01-18): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-24): Client Acknowledges the condition

1450000129

XXX

$XXX

4/XX/2018

Primary

Refinance Cash-out - Other

Non QM

Verification of exclusion missing from file.
Defect reason provided on tape has been confirmed - This loan missed GNMA Seasoning requirement for regular pooling, could've been custom pooled at the time of close - 2 months seasoning.The loan that was refinanced to keep it from seasoning was a local bank loan that he had just refinanced because the 15 yr term had expired on the previous loan, and the new loan was a 10 yr loan, so the borrower refinanced on VA loan for longer term and fixed rate the cashed out availability.
...
The Mortgage Loan Payoff Statement reflects a Contract Date of 2/XX/2018 and a Maturity Date of 2/XX/2028.
Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.

BUYER - GENERAL COMMENT (2020-01-17): Waived - 1
REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-17): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-24): Client Acknowledges the condition
SELLER - GENERAL COMMENT (2020-01-21): please see attached CD
- The origination fee on the final CD does not exceed 1% of the loan amount.
REVIEWER - GENERAL COMMENT (2020-01-30): Including undiscounted rate in testing, but still over the 1%. The compliance report in file reflects fees % as 1.7153%. Exception remains.
SELLER - GENERAL COMMENT (2020-01-31): Per Underwritter

1122.19 - Origination
75.00 - Tax Service
15.00 - Tax Transcripts
50.00 - Search Fee
20.00 - Wire Fee
25.00 - CPL Fee
100.00 - Doc Prep Fee
500.00 - Title Review Fee
125.00 - Pest
150.00 - Inspection Fee

Totaling $2,182.19

The fees listed aboce should not be included in your calculation, they are not apart of the origination fee.

We ran a compliance report on this file, and it passed for fees. The compliance report determined that applicable fees did not exceed 1% of the loan amount.
REVIEWER - GENERAL COMMENT (2020-02-05): Lender appears to have misspoken. The fees identified ARE the fees included in the calculation for the 1% limit. Lender and review agree on the total for these fees of $2,182.19. Maximum allowed is $1,482.19. Violation amount is $700.00. The testing in lender's compliance report is not accurate having excluded the appraisal re-inspection fee of $150, Abstract for $50 and Title Review for $500. This makes up the $700 variance. This issue remains open.
BUYER - GENERAL COMMENT (2020-02-10): Waived - va insured, va allows for overage if fees are reasonable and customary.
REVIEWER - WAIVED COMMENT (2020-02-11): Client is electing to waive this exception without compensating factors.

1450000128

XXX

$XXX

8/XX/2008

Primary

Purchase

Valuation company on appraisal is blank.
The subject property is located in a FEMA Disaster area post-close. End Date of 11/XX/2017.
File is missing Fraud Report.

BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is 11 years old, no impact.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - BPO dated 1/XX/20 shows no damage.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan. as it is 11 years old.
REVIEWER - GENERAL COMMENT (2020-01-30): Client elected to waive the condition

[2] Valuation Issue - Property is in a declining market.: -

1450000127

XXX

$XXX

4/XX/2013

Investment

Refinance Limited Cash-out GSE

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 28.44029% exceeds AUS total debt ratio of 23.11000%.
[3] Application / Processing - Missing Document: Fraud Report not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Closed at 77.60 LTV at closing, 75 required. ***The loan closed at 78% LTV, however, 75% LTV is the maximum LTV for a cash out refinance on a one unit investment property.
Lender 1003 shows primary residence mortgage with XXX for $3009.46/ month as refinanced with the same lender as the subject property, new PITIA payment $2,344.96. HUD1 or other acceptable documentation reflecting evidence of PITIA of no greater than $2,344.96 on XXX is missing from the loan file.
The file is missing a copy of the required fraud report.

BUYER - GENERAL COMMENT (2020-01-28): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is more than 6 years old.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan. as it is 6 years old.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition

1450000126

XXX

$XXX

8/XX/2013

Primary

Construction-Permanent

[3] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: - Appraisal
[3] Guideline Issue - Aged document: Primary Valuation is older than guidelines permit: -
[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 52.01352% exceeds AUS total debt ratio of 52.01000%.
[3] Application / Processing - FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.: Most Recent Valuation Inspection Date: 03/XX/2013
Disaster End Date: 02/XX/2018
Disaster Name: XXX
Disaster Declaration Date: 01/XX/2018
[3] Government Documentation - FHA - Amendatory Clause is not compliant.: -
[3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: -
[3] Government Documentation - FHA - Real Estate Certification is not compliant.: -
[3] Government Documentation - FHA Informed Choice Disclosure is missing.: -
[3] Government Documentation - Important Notice to Homebuyer (92900-B) is missing.: -
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Amendatory Clause was provided at or after closing.: - Provided Date: 08/30/2013; Consummation Date: 08/30/2013
[2] Government Documentation - FHA - Real Estate Certification was provided at or after closing.: - Provided Date: 08/XX/2013; Consummation Date: 08/XX/2013
[1] Income Documentation - Employment Error: Employment job title not provided.: -

Prior Employment Job Title was not provided in the file for the tertiary borrower.
Evidence of earlier borrower receipt was not found in file.
Evidence of earlier borrower receipt was not found in file.
Defect reason provided on tape has been confirmed - Closed as FHA, uninsured due to expired appraisal.
...
The Appraisal was made subject to completion of the construction plans and has an effective date of 3/XX/2013. An updated valuation was not provided in the file.
Calculated investor qualifying total debt ratio of 52.01352% exceeds AUS total debt ratio of 52.01000%.
The appraisal expired 7/XX/13 and no updated appraisal was evidenced in the loan file.
The Final HUD Addendum was not signed by the lender.
The Real Estate Certification was not signed by the seller or agents.
The disclosure was not evidenced in the loan file.
The disclosure was not evidenced in the loan file.
The Amendatory Clause was not signed by the seller.
Fraud Report not provided
Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
The appraisal expired 7/XX/13 and no updated appraisal was evidenced in the loan file.
The property is located in XXX, CA. Provide a post-disaster inspection verifying there was no damage from XXX.. The inspection must include exterior photos and the property must be re-inspected on or after 2/XX/2018 declared end date.

BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as disaster was 6 years ago.
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition

[3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: -

1450000125

XXX

$XXX

4/XX/2019

Primary

Purchase

Non QM

[3] Government Documentation - FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.: -
[3] Government Documentation - FHA MIP Error: Missing evidence of case number assignment date.
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Defect reason provided on tape has been confirmed - UNINSURABLE. The loan closed without sufficiently documenting and overturning a previous MCR filed by another lender. HUD noted that the W2 provided did not support bonus income used to qualify. The employer also stated the bonus is not reflected in the W2 wages and is an undocumented gift from employer. After removing the bonus income, new DTI is 62.34%.
...
FHA Connection Case Query Results shows the Orignator as XXX instead of XXX. 2018 W2 reflects a a total income of $57,766.47 ($59,600 for salary) and the WVOE reflects a total income of $67,550, the difference of $9,150.00 is noted on the WVOE as a bonus. The bonus income is not being reported to IRS as income.
The Final HUD Addendum to the Loan Application is missing the lender's signature.
Evidence of the case number assignment date was not provided in the file.

BUYER - GENERAL COMMENT (2020-01-28): Waived - stated defect
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition

1450000124

XXX

$XXX

9/XX/2019

Investment

Purchase

Exempt from ATR

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 26.53246% exceeds AUS total debt ratio of 17.27000%.
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Public Records - Public Records/Collections/Charge Off does not meet guidelines.: -
[3] Guideline Issue - There are more than ten loans excluding the primary residnce for one of the borrowers, which exceeds guideline allowance.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Document Error - There is no dollar amount noted on the title policy.

The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.
Due diligence results confirm loan defect provided - Lease for multi unit properties not provided.
Lease for multi unit properties not provided. Loan is no longer agency eligible - please advise which guidelines are applicable
Loan is no longer agency eligible - please advise which guidelines are applicable
Lease for multi unit properties not provided. Loan is no longer agency eligible - please advise which guidelines are applicable
Loan is no longer agency eligible - please advise which guidelines are applicable.

BUYER - GENERAL COMMENT (2020-01-30): Waived - AMC DD Level 2
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-30): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-30): Waived - stated defect/priced as atr fail
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-30): Waived - stated defect/priced as atr fail
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-30): Waived - stated defect
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-30): Waived - priced as atr fail
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition

1450000123

XXX

$XXX

11/XX/2019

Primary

Purchase

Non QM

1450000122

XXX

$XXX

12/XX/2017

Primary

Purchase

Non QM

[3] Mortgage / Program Eligibility - AUS Findings: Combined High loan to value discrepancy.: Calculated high loan to value percentage of 123.55657% exceeds AUS high loan to value percentage of 95.00000%
[3] Mortgage / Program Eligibility - AUS Findings: Combined loan to value discrepancy.: Calculated combined loan to value percentage of 123.55657% exceeds AUS combined loan to value percentage of 95.00000%.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Loan to value discrepancy.: Calculated loan to value percentage of 123.55657% exceeds AUS loan to value percentage of 95.00000%.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Miscalculation of the borrower's income. However, it was a simple filing error with the IRS that has since been rectified to match the underwrite.
This is a HomeStyle Renovation loan that had a purchase price of $XXX, appraised value of $XXX and a loan amount of $XXX. AUS reflects sales price of $XXX.
This is a HomeStyle Renovation loan that had a purchase price of $XXX, appraised value of $XXX and a loan amount of $XXX. AUS reflects sales price of $XXX.
This is a HomeStyle Renovation loan that had a purchase price of $XXX, appraised value of $XXX and a loan amount of $XXX. AUS reflects sales price of $XXX.

BUYER - GENERAL COMMENT (2020-01-28): Acknowledged
REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - bpo
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - bpo
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-01-28): Waived - bpo
REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition

1450000121

XXX

$XXX

11/XX/2018

Primary

Refinance Cash-out - Other

Non QM

[3] Government Documentation - Loan Guaranty Certificate is missing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - Repurchased loan. This loan is uninsurable due to the borrower have zero entitlement. No VA guarantee. ****Per homeloans.va.gov site, the County Guaranty Limit for XXX, AZ is $XXX, x 25% comes out to $XXX. The borrower has previously used entitlement of $XXX which leaves $XXX left over. The maximum guaranty/entitlement is limited to $XXX for loans that are less than or equal to $XXX therefore this borrower did have entitlement to be used for this transaction.

BUYER - GENERAL COMMENT (2020-02-03): Acknowledged
REVIEWER - GENERAL COMMENT (2020-02-04): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-02-03): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is priced as being uninsured.
REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition

1450000120

XXX

$XXX

5/XX/2018

Primary

Purchase

Non QM

[3] Mortgage / Program Eligibility - Missing Document: Note - Subordinate Lien not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.

Hazard Insurance policy lists "XXX", Loan is no longer agency eligible - please advise which guidelines are applicable.
Due diligence results confirm loan defect provided - Repurchased loan. XXX (has a suborinated 2nd). Repurchase was required due to EPD. Borrower was 120+ but brought current Mar 2019 and been current since. Pay history in file confirms the delinquencies.

BUYER - GENERAL COMMENT (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
REVIEWER - WAIVED COMMENT (2020-02-03): Client elected to waive the condition
BUYER - GENERAL COMMENT (2020-02-03): Acknowledged
REVIEWER - WAIVED COMMENT (2020-02-03): Client acknowledges the condition
SELLER - GENERAL COMMENT (2020-02-05): 2nd lien note
REVIEWER - GENERAL COMMENT (2020-02-06): Note for $XXX XXX received. However, still need the XXX Note for $XXX. Per final CD
BUYER - GENERAL COMMENT (2020-02-10): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-02-11): Client is electing to waive this exception without compensating factors.

1450000119

XXX

$XXX

10/XX/2019

Primary

Refinance Rate/Term

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed :Unsalable loan-Closed with a Refer AUS

BUYER - GENERAL COMMENT (2020-02-03): Acknowledged
REVIEWER - WAIVED COMMENT (2020-02-04): Client acknowledges the condition

1450000118

XXX

$XXX

6/XX/2017

Primary

Refinance Cash-out - Debt Consolidation

Non QM

Defect reason provided on tape has not been confirmed. - borrower didn't have VA benefits so we couldn't insure it.
...
Report of Separation and Record of Service reflects the minimum of 6 years of Selected Service required for Reservists to qualify for VA Benefits, including honorable discharge. Borrower re-enlisted for an additional 2 years of Selected Service as a Reservist. The Certificate of Eligibility reflects the borrower's entitlement of $XXX. The servicer requested a refund of the Funding on 1/XX/2020 and provided the reason as Loan did not close.
The property is located in XXX, FL. Provide a post-disaster inspection verifying there was no damage from Hurricane Irma. The inspection must include exterior photos and the property must be re-inspected on or after 9/XX/2017 declared end date.

BUYER - GENERAL COMMENT (2020-02-06): Acknowledged
REVIEWER - WAIVED COMMENT (2020-02-06): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-02-06): Acknowledged
REVIEWER - WAIVED COMMENT (2020-02-06): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-02-06): Waived - Diligence BPO dated 1/XX/20 shoes no damage.
REVIEWER - WAIVED COMMENT (2020-02-06): Client elected to waive the condition

1450000052

XXX

$XXX

8/XX/2019

Primary

Refinance Rate/Term

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Client did not identify a defect

BUYER - GENERAL COMMENT (2020-02-05): Waived - There was no known defect on this loan.
REVIEWER - WAIVED COMMENT (2020-02-05): Client elected to waive the condition

1450000051

XXX

$XXX

9/XX/2019

Primary

Refinance Cash-out - Other

Higher Priced QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

The defect reason provided on tape has not been confirmed - New debt opened - DTI now 58.75% no longer qualifies. ***The loan file does not contain evidence of a new debt being opened by the borrower. The most recent Credit Supplement provided in the loan file is dated 8/XX/2019 and is only an update to the mortgage payment history.

BUYER - GENERAL COMMENT (2020-02-06): Acknowledged
REVIEWER - WAIVED COMMENT (2020-02-06): Client acknowledges the condition

1450000050

XXX

$XXX

10/XX/2019

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Due Diligence r esults do not confirm loan defect provided - DTI exceeds 43% - SSI income calculated incorrectly (grossed up more than permitted) actual DTI is 45.79%. Loan is no longer agency eligible - please advise which guidelines are applicable.

BUYER - GENERAL COMMENT (2020-02-06): Acknowledged - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
REVIEWER - WAIVED COMMENT (2020-02-07): Client acknowledges the condition

1450000049

XXX

$XXX

4/XX/2018

Primary

Purchase

Temporary HPQM (GSE/Agency Eligible)

[3] Guideline Issue - Current Total Debt Ratio
exceeds 50% guideline maximum.: Current Total Debt Ratio: 53.58648%

The Post Close Credit Report reflects the borrower has incurred additional installment debt since closing and report 30- day lates as recently as September 2019.

1450000048

XXX

$XXX

6/XX/2016

Primary

Refinance Rate/Term

Fails Temporary (GSE) QM Testing

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 41.71761% exceeds AUS total debt ratio of 37.73000%.
[3] Guideline Issue - Current Total Debt Ratio
exceeds 50% guideline maximum.: Current Total Debt Ratio: 83.67569%
[1] Insurance Analysis - Hazard Insurance Policy expires within 90 days of the Note Date.: Hazard Insurance Policy Expiration Date 07/XX/2016, Note Date 06/XX/2016

Added debt for XXX @ $152 per month, for the borrower resulting in the DTI exceeding the DU approved DTI resulting in 41.717%.
The Post Close Credit Report reflects total consumer debt of $1,918.00 resulting in a POST DTI of 83.67%.

1450000047

XXX

$XXX

8/XX/2017

Primary

Purchase

Fails QM Testing

[3] Guideline Issue - Borrower is not currently employed.: -
[3] Insurance Analysis - Insufficient Coverage: Hazard insurance coverage amount is insufficient.
[3] Government Documentation - Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.
[3] Insurance Documentation - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
[1] Credit Eligibility - Public Record Issue:: -

VVOE completed 8/XX/17 states borrower is no longer employed by qualifying employer. This was also the stated defect for the loan.
HOI coverage is insufficient by $XXX

BUYER - GENERAL COMMENT (2020-01-17): Loan is uninsured
REVIEWER - GENERAL COMMENT (2020-01-28): Loan had mi at the time of close. Lender to provide a copy of the mi certificate. Exception remains.
REVIEWER - OPEN - UNABLE TO CLEAR COMMENT (2020-02-04): Stated defect
BUYER - GENERAL COMMENT (2020-01-17): Loan is uninsured
REVIEWER - GENERAL COMMENT (2020-01-28): Lender provided letter that the mi would be refunded to account but did not provide proof this was done. Lender to provide proof of mi being refunded to borrower through principal reduction. Exception remains.
REVIEWER - GENERAL COMMENT (2020-01-28): Lender provided a copy of current policy. Lender needs to provide proof of the policy at the time of close that had sufficient coverage or a replacement cost estimate that supports the coverage provided. Exception remains.

1450000046

XXX

$XXX

9/XX/2019

Primary

Purchase

Fails QM Testing

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 51.72005% exceeds AUS total debt ratio of 46.52000%.
[3] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 51.72005% exceeds Guideline total debt ratio of 50.00000%.
[3] Application / Processing - Missing Document: Servicing Comments not provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Calculated investor qualifying total debt ratio of 51.72005% exceeds AUS total debt ratio of 46.52%
Calculated investor qualifying total debt ratio of 51.72005% exceeds Guideline total debt ratio of 50.00000%.

1450000045

XXX

$XXX

8/XX/2019

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Application / Processing - Missing Document: Servicing Comments not provided
[3] Public Records - Public Records/Collections/Charge Off does not meet guidelines.: -

Foreclosure appears on Fraud Report occurred within the 7 year guideline. This was also the disclosed loan defect.

1450000044

XXX

$XXX

7/XX/2019

Primary

Refinance Cash-out - Home Improvement

VA Safe Harbor QM

[3] Government Documentation - NPMA-33 Wood Destroying Insect Inspection Report is missing.: -
[3] Federal Compliance - VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%: Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.
[2] Insurance Eligibility - Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.

REVIEWER - GENERAL COMMENT (2020-01-16): AMC sees notation of the orig fee, but this is referencing the orig. fee plus itemized fees and charges being over the limit - condition remains open.
REVIEWER - GENERAL COMMENT (2020-02-04): Updated from: Origination Fee and/or Itemized Fees aned Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.
REVIEWER - GENERAL COMMENT (2020-01-16): An email from the lender is not sufficient to waive this - would need something from VA - condition remains open.

1450000043

XXX

$XXX

2/XX/2019

Primary

Purchase

Fails QM Testing

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 56.04 is less than AUS PITIA months reserves of 61.00.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $66,230.25 is less than AUS qualifying asset balance of $68,863.61.
[3] Government Documentation - Lead Based Paint Attachment - Attached to Purchase Contract is missing.: -
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
[1] Credit Eligibility - Public Record Issue:: -

Missing 2nd appraisal required by HUD due to previous sale of the property within the last 12 months. This was also the stated defect reason.

1450000042

XXX

$XXX

8/XX/2019

Primary

Refinance Cash-out - Other

VA Safe Harbor QM

[3] General - VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by borrower between the application date and the loan closing date.: - Originator App Date: 06/XX/2019
Creditor App Date: 06/XX/2019
Disclosure signed by Borrower: 06/XX/2019
[3] General - VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by Lender between the application date and the loan closing date.: - Originator App Date: 06/XX/2019
Creditor App Date: 06/XX/2019
Disclosure signed by Lender: 06/XX/2019

1450000041

XXX

$XXX

4/XX/2019

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] Income Documentation - Income Docs Missing:: - Transcripts (2018)
[3] Application / Processing - Missing Document: Servicing Comments not provided
[3] Miscellaneous Compliance - Patriot Act Disclosure is missing: -
[2] Insurance Eligibility - Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.

The loan file did not provide verification of employment for prior employers.
The loan file did not provide evidence of delivery for the Patriot Act Disclosure.

REVIEWER - GENERAL COMMENT (2019-12-20): Lender provided post close verification of employment for previous employers. Exception is for missing the 2018 transcripts. Exception remains.
REVIEWER - GENERAL COMMENT (2019-12-20): Lender provided customer identification verification completed at close. Lender needs to provide Patriot Act Disclosure sent to borrower at time of application. Exception remains.

1450000040

XXX

$XXX

7/XX/2019

Primary

Purchase

Fails Temporary (GSE) QM Testing

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 46.60842% exceeds AUS total debt ratio of 46.00000%.
[3] Miscellaneous - Credit Exception:

No MI. The result on the Loan Prospector findings was Caution. The borrower had a short-sale on 5/XX/2016. Freddie Mac requires 7 years from the date of the incident and Fannie Mae requires 4 years or 2 years with extenuating circumstances. This was also the disclosed defect reason.
Calculated investor qualifying total debt ratio of 46.60842% exceeds AUS total debt ratio of 46.000%. The lender used a lower monthly amount for taxes ($251) and insurance ($25) as opposed to the final actual monthly figures of $276.16 for taxes and $29.25 for Hazard insurance.

1450000039

XXX

$XXX

6/XX/2019

Primary

Purchase

Fails QM Testing

[3] Mortgage / Program Eligibility - AUS Findings: Investor qualifying total debt ratio discrepancy.: Calculated investor qualifying total debt ratio of 59.52797% exceeds AUS total debt ratio of 55.95000%.
[3] Guideline Issue - Current Total Debt Ratio
exceeds 50% guideline maximum.: Current Total Debt Ratio: 82.67419%
[3] Application / Processing - Missing Document: Servicing Comments not provided
[2] Insurance Analysis - Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

HOI policy provide reflects incorrect mortgagee clause. Lender to provide updated policy reflecting "Lender its successors and assigns"
Income from a 2nd job was used by the lender in qualifying the borrower however it was less than 2 years worth. When the 2nd job income was removed, this resulted in a 59.5279% DTI. This was also the disclosed defect issue.
The Post Close Credit Report reflects the borrower has incurred additional revolving and installment debt since closing.

1450000038

XXX

$XXX

8/XX/2019

Primary

Purchase

Fails QM Testing

[3] Application / Processing - Missing Document: Fraud Report not provided
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

1450000037

XXX

$XXX

7/XX/2012

Primary

Purchase

[3] Miscellaneous Compliance - Patriot Act Disclosure is missing: -

File is missing the Patriot Act Disclosure.

1450000036

XXX

$XXX

9/XX/2019

Primary

Purchase

Non QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - non QM under a 12 mos bank statement program.

BUYER - GENERAL COMMENT (2020-02-10): Acknowledged
REVIEWER - WAIVED COMMENT (2020-02-11): Client Acknowledges the condition

1450000035

XXX

$XXX

12/XX/2019

Investment

Refinance Limited Cash-out GSE

Exempt from ATR

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape has been confirmed - Non Warrantable Condo - Ineligible due to max LTV of 70% for limited review condo approval in FL. LTV of 72.05% is > than allowed per Fannie Mae.

BUYER - GENERAL COMMENT (2020-02-18): Waived - AMC DD EV 2 - S&D REASON CONFIRMED
REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors.

1450000034

XXX

$XXX

10/XX/2019

Primary

Refinance Cash-out - Other

Non QM

[3] Government Documentation - Loan Guaranty Certificate is missing.: -
[3] Federal Compliance - VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%: Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Guideline Issue - The file is missing evidence of the Total Monthly Income taxes used by lender to calculate the VA Residual Income.

Loan is no longer agency eligible - please advise which guidelines are applicable
Defect reason provided on tape has been confirmed - Uninsured. Per VA, borrower has 0 entitlement.

BUYER - GENERAL COMMENT (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2020-02-18): Waived - AMC DD EV 2
REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors.
BUYER - GENERAL COMMENT (2020-02-18): Acknowledged - Over by $25, points & fee that were charged are reasonable.
REVIEWER - WAIVED COMMENT (2020-02-19): Client is acknowledging this exception without compensating factors.

1450000033

XXX

$XXX

5/XX/2019

Primary

Purchase

Fails Temporary (GSE) QM Testing

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: All conditions were not met
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 10.62 is less than AUS PITIA months reserves of 13.00.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $25,917.07 is less than AUS qualifying asset balance of $28,607.07.
[3] Income Documentation - Income Docs Missing:: - 1099 (2017), 1099 (2018), Third Party Verification, VVOE - Employment Only
Third Party Verification
[3] Income Documentation - Income documentation requirements not met according to the AUS in file.: Decision System: DU
[3] Application / Processing - Missing Document: Servicing Comments not provided

The AUS was run with a qualifying asset balance of $28,607.07 and file contained documents verifying an asset balance of only $25,917.07.
The AUS was required 13 months of reserve assets and the file contained documents verifying only 10.62 months of reserve assets.
1099 were not in the file for the borrower's self-employment income.  VVOE's were not in the file for the borrower or co-borrower.
1099 were not provided for the borrower's self-employment income.  VVOE's were not in the file for the borrower or co-borrower.
1099 were not provided for the borrower's self-employment income.  VVOE's were not in the file for the borrower or co-borrower.

BUYER - GENERAL COMMENT (2019-09-09): Would you please provide clarification on how you arrived as qualifying assets of $25,917.07? I reflect the following account balances:

XXX Checking (XXX) #XXX: updated account print for account dated 5/XX/2019: $   2,731.56
XXX Savings (XXX) #XXX: Statement date ending 4/XX/2019 $ 24,066.88
XXX Checking (XXX) #XXX- Statement date ending 4/XX/2019 $   1,808.63
Total Qualifying Assets  $ 28,607.07

Please let me know if you are missing any of these statements?
REVIEWER - GENERAL COMMENT (2019-09-13): The balances used for our review were the same; however there was a total of $3690 in transfers excluded from the total as they were inter- account transfers b/n checking and savings.
REVIEWER - GENERAL COMMENT (2019-09-13): 1099s still not provided and only one VVOE was provided and it was for the borrower and done several months after closing which is not acceptable. Condition remains outstanding.
REVIEWER - GENERAL COMMENT (2019-09-13): 1099s still not provided and only one VVOE was provided and it was for the borrower and done several months after closing which is not acceptable. Condition remains outstanding.
REVIEWER - GENERAL COMMENT (2019-09-13): 1099s still not provided and only one VVOE was provided and it was for the borrower and done several months after closing which is not acceptable. Condition remains outstanding.

1450000032

XXX

$XXX

11/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Mortgage / Program Eligibility - Transaction Error: Outstanding liens were not paid at closing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason provided on tape of "Borrower borrowed funds to purchase subject investment property with Note with balance $250,000, those funds must be repaid and reflected on the Settlement/Closing Disclosure Statement for the refinance transaction," has been confirmed. ****The subject transaction was a refinance of a primary residence. The CD reflected no mortgage payoff. The loan file contained a private note in the amount of $XXX with an interest only payment of 10% of the principal balance payable over a 36 month period with a first payment made on 07/XX/2019. Though 2 months of statements paid through XXX was located on the bank statements, the DTI did not did not include this payment and the loan file provided no evidence of payoff.
The loan file contained a private note in the amount of $XXX with an interest only payment of 10% of the principal balance payable over a 36 month period with a first payment made on 07/XX/2019 with no evidence of payoff.

BUYER - GENERAL COMMENT (2020-02-24): Waived - S&D REASON - AMC DD EV 2
REVIEWER - WAIVED COMMENT (2020-02-25): Client waives exception.
BUYER - GENERAL COMMENT (2020-02-24): Waived - S&D REASON
REVIEWER - WAIVED COMMENT (2020-02-25): Client waives exception.

1450000031

XXX

$XXX

9/XX/2019

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed - FATAL FLAW: Questionable Occupancy. ****The loan file does not contain evidence that suggests the subject property will not be retained as the borrower's primary residence.

BUYER - GENERAL COMMENT (2020-02-21): Acknowledged
REVIEWER - WAIVED COMMENT (2020-02-24): Client acknowledges exception.

1450000017

XXX

$XXX

8/XX/2019

Primary

Purchase

Safe Harbor QM

[3] Government Documentation - FHA Informed Choice Disclosure is missing.: -
[3] Government Documentation - Important Notice to Homebuyer (92900-B) is missing.: -
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Application / Processing - Missing Document: Tax Certificate not provided
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Defect reason on tape confirmed. FHA UNINSURED: The borrower has a tax debt of $29,057 with monthly garnishment payments of $492.18. Per FHA Connection, CAIVRS Default exists. We have documentation of the monthly garnishment. Borrower needs to call and clear the CAIVRS and to date, CAIVRS has not been cleared. UFMIP refunded, waiting on monthly MI refund

BUYER - GENERAL COMMENT (2020-06-26): Acknowledged
REVIEWER - WAIVED COMMENT (2020-06-29): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
REVIEWER - WAIVED COMMENT (2020-06-29): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
REVIEWER - WAIVED COMMENT (2020-06-29): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
REVIEWER - WAIVED COMMENT (2020-06-29): Client has elected to waive
BUYER - GENERAL COMMENT (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
REVIEWER - WAIVED COMMENT (2020-06-29): Client has elected to waive
BUYER - GENERAL COMMENT (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
REVIEWER - WAIVED COMMENT (2020-06-29): Client has elected to waive

1450000016

XXX

$XXX

5/XX/2019

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed: Declining income - revised DTI 43.35% which exceeds guidelines. Loan Modified due to significant paydown. New FICO pulled 3/2020

BUYER - GENERAL COMMENT (2020-06-26): Acknowledged
REVIEWER - WAIVED COMMENT (2020-06-29): Client acknowledged the condition

1450000015

XXX

$XXX

1/XX/2020

Primary

Purchase

Temporary SHQM (GSE/Agency Eligible)

[3] General - Valuation address does not match Note address.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed : Framework HBEC not obtained prior to closing ** COLLATERAL - due to recent closing - Original or CTC DOT may be trailing.
Appraisal reflects XXX vs Note: XXX

BUYER - GENERAL COMMENT (2020-06-26): Acknowledged
REVIEWER - WAIVED COMMENT (2020-06-30): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-06-26): Waived - Appraisal in file dated 12/XX/19 is for the property address on the note.
REVIEWER - WAIVED COMMENT (2020-06-30): Client has elected to waive

1450000014

XXX

$XXX

3/XX/2020

Primary

Refinance Cash-out - Debt Consolidation

Higher Priced QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed : XXX / Underwriting bust

BUYER - GENERAL COMMENT (2020-07-02): Acknowledged
REVIEWER - WAIVED COMMENT (2020-07-07): Client acknowledged the condition

1450000013

XXX

$XXX

7/XX/2019

Primary

Purchase

Safe Harbor QM

[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Government Documentation - Initial HUD Addendum 92900-A is missing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[1] Credit Documentation - Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification.: -

Important Notice to Homebuyer Disclosure signed 7/XX/2019 day of closing .  The loan file does not evidence the Borrower received a copy 3 days of application as required.
Agree: Borrower had an existing FHA loan and did meet requirements  for additional FHA loan. Also they did not document 75% equity on previous home with an appraisal to use rental income.
A copy of the Initial HUD addendum is missing from the loan file (92900-A)
Informed Consumer Choice Disclosure is dated 7/XX/2019.  The loan file does not evidence the Borrower received this disclosure 3 days of application as required.

BUYER - GENERAL COMMENT (2020-07-02): Waived - 1
REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-02): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-02): Acknowledged
REVIEWER - WAIVED COMMENT (2020-07-07): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-07-02): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-02): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive

1450000012

XXX

$XXX

10/XX/2019

Primary

Purchase

Safe Harbor QM

[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[1] Credit Eligibility - Public Record Issue:: -

Foreclosure not reflected on credit report or application.
Defect reason provided on tape has been confirmed : Significant derogatory event - Foreclosure; Foreclosure documents indicate borrower had foreclosure on 05/XX/2017 that was not disclosed on the loan application. Public records confirm foreclosure on the same date against property, XXX, FL, 32931 that the borrower executed a Note on.

BUYER - GENERAL COMMENT (2020-07-07): Waived - Issue is related to the known defect.
REVIEWER - WAIVED COMMENT (2020-07-07): Client elected to waive
BUYER - GENERAL COMMENT (2020-07-07): Acknowledged
REVIEWER - WAIVED COMMENT (2020-07-07): Client acknowledged the condition

1450000011

XXX

$XXX

4/XX/2016

Primary

Purchase

Non QM

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $10,276.56 is less than AUS qualifying asset balance of $22,174.56.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

Unable to confirm defect of a tax lien against the borrower.

BUYER - GENERAL COMMENT (2020-07-14): Acknowledged - AMC DD EV 2
REVIEWER - WAIVED COMMENT (2020-07-14): Client acknowledges the condition
BUYER - GENERAL COMMENT (2020-07-14): Waived - S&D closed loan.
REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive

1450000010

XXX

$XXX

2/XX/2018

Primary

Purchase

Higher Priced QM

Missing gift letter and 442.
Gift funds were included in qualifying assets. Required verification documents are missing from file. Lender to provide gift letter and proof of receipt.
Missing gift funds.

BUYER - GENERAL COMMENT (2020-07-14): Waived - FHA S&D REASON
REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive
BUYER - GENERAL COMMENT (2020-07-14): Waived - FHA S&D, RELATED TO S&D REASON.
REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive
BUYER - GENERAL COMMENT (2020-07-14): Waived - FHA S&D, ALSO PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive
BUYER - GENERAL COMMENT (2020-07-14): Waived - FHA S&D REASON
REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive

1450000009

XXX

$XXX

10/XX/2019

Primary

Purchase

Higher Priced QM

[3] Asset Calculation / Analysis - Available for Closing is insufficient to cover Cash From Borrower.: Documented qualifying Assets for Closing of $11,808.28 is less than Cash From Borrower $11,910.64.
[3] Application / Processing - Missing Document: AUS not provided
[3] Application / Processing - Missing Document: General Services Administration (GSA) not provided
[3] Application / Processing - Missing Document: Limited Denials of Participation (LDP) not provided
[3] Guideline Issue - The representative credit score does not meet guideline minimum.: FICO: 0
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

No AUS in file and a letter from the underwriter stating that AUS was not run due to the loan being a manual underwrite and a misunderstanding of the underwriting procedures at XXX.
Borrower has no credit scores and alternative credit was used and added to the credit report.

BUYER - GENERAL COMMENT (2020-07-17): Acknowledged
REVIEWER - WAIVED COMMENT (2020-07-17): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-07-17): Waived - irrelevant now
REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-17): Waived - stated defect
REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-17): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-17): Waived - uninsured
REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-17): Waived - stated defect
REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive

1450000008

XXX

$XXX

11/XX/2019

Primary

Purchase

Non QM

[3] Government Documentation - FHA - Informed Choice Disclosure was not provided within three days of the application date.: -
[3] Government Documentation - Initial HUD Addendum 92900-A is missing.: -
[3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.: -
[1] Insurance Eligibility - Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured

Diligence results confirmed - loan was a DU refer with a DTI of 49% and does not meet manual uw requirements for compensating factors.

BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON.
REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON.
REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive

1450000007

XXX

$XXX

8/XX/2019

Primary

Purchase

Non QM

[3] Asset Documentation - Asset documentation requirements not met according to Decision System Input.: All documentation requirements for DU / DO were not met.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 0.23 is less than AUS PITIA months reserves of 4.00.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Qualifying asset balance discrepancy.: Calculated qualifying asset balance of $7,136.08 is less than AUS qualifying asset balance of $12,692.30.
[3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided
[2] Government Documentation - FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.: -

The file was missing a copy of the Initial HUD Addendum for all borrowers provided within 3 days of originator application date.
DTI is 52.81%. Defect confirmed: FHA UNINSURED: The borrower was in a current BK13, we obtained approval for the new debt however FHA guides require the approval to be manual downgrade and that was not done. Additionally the loan does not qualify for a manual downgrade with a DTI of 52.81%. COMP FACTORS: 2.61 AND 12.96 years LOE, salaried income with OT, minimal revolving, 4 mos reserves
AUS counted $6,292.30 from vested retirement account. Verification of these funds was not provided.
AUS counted $6,292.30 from vested retirement account. Verification of these funds was not provided.
AUS counted $6,292.30 from vested retirement account. Verification of these funds was not provided.
File is missing the Mortgage Insurance Certificate.

BUYER - GENERAL COMMENT (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-07-28): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-24): Acknowledged
REVIEWER - WAIVED COMMENT (2020-07-28): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-07-28): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-07-28): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-07-28): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-24): Waived - Loan is being purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-07-28): Client has elected to waive

1450000006

XXX

$XXX

5/XX/2019

Investment

Purchase

Exempt from ATR

[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Number of units discrepancy.: Appraisal number of units of 2 does not match AUS number of units of 1.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: PITIA months reserves discrepancy.: Calculated PITIA months reserves of 56.01 is less than AUS PITIA months reserves of 5,989.43.
[3] AUS Discrepancy / Guidelines Discrepancy - AUS Findings: Property type discrepancy.: Appraisal property type of 2 Family does not match AUS property type of Single Family Detached.
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

AUS was run as a 1 unit, SFR detached investment property. Per the valuation is a two unit duplex property type. Need correct AUS for 2 unit and correct LTV.

BUYER - GENERAL COMMENT (2020-07-30): Acknowledged
REVIEWER - WAIVED COMMENT (2020-07-31): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-07-30): Waived - no remedy possible
REVIEWER - WAIVED COMMENT (2020-07-31): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-30): Waived - no remedy possible
REVIEWER - WAIVED COMMENT (2020-07-31): Client has elected to waive
BUYER - GENERAL COMMENT (2020-07-30): Waived - no remedy possible
REVIEWER - WAIVED COMMENT (2020-07-31): Client has elected to waive

1450000005

XXX

$XXX

10/XX/2017

Primary

Refinance Cash-out - Other

Temporary SHQM (GSE/Agency Eligible)

[3] Guideline Issue - Case # Assignment does not indicate "All borrowers passed SSN validation".
[3] Guideline Issue - Employment was not verified within 10 days of the note date.: -
[3] Guideline Issue - Employment was not verified within 10 days of the note date.: -
[3] Government Documentation - FHA Informed Choice Disclosure is missing.: -
[3] Government Documentation - FHA MIP Error: Missing evidence of case number assignment date.
[3] Government Documentation - Important Notice to Homebuyer (92900-B) is missing.: -
[3] Government Documentation - Initial HUD Addendum 92900-A is missing.: -
[3] Application / Processing - Missing Document: Fraud Report not provided
[3] Missing Document - Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.

This file was missing a copy of VVOE.  Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.
This file was missing a copy of VVOE.  Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.
Evidence was not provided the FHA Case # Assignment was provided to borrower.
Evidence was not provided the FHA Initial HUD Addendum 92900-A  was provided to borrower.
Evidence was not provided the FHA Informed Choice Disclosure was provided to borrower.
Evidence was not provided the Important Notice to Homebuyer was provided to borrower
The file was missing evidence of the Mortgage Insurance Certificate or other satisfactory documentation.
FHA Case Number Assignment was not provided
The file was missing a Fraud Report

BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive
BUYER - GENERAL COMMENT (2020-08-30): Document not available
REVIEWER - WAIVED COMMENT (2020-08-31): Client acknowledged the condition

1450000004

XXX

$XXX

6/XX/2019

Investment

Refinance Cash-out - Other

Exempt from ATR

[3] Income Documentation - Income Docs Missing:: - P&L Statement
[2] AUS Discrepancy / Guidelines Discrepancy - Due Diligence results do not confirm loan defect provided

Defect reason provided on tape has not been confirmed, undocumented debt, resulting in DTI outside allowable limit cannot be confirmed: due to neither a pre-close credit report or a post-close credit report have been provided.
Profit and Loss Statements for all of the Borrower's Self-Employed income are not provided.

BUYER - GENERAL COMMENT (2020-09-03): Acknowledged
REVIEWER - WAIVED COMMENT (2020-09-09): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-09-03): Waived - stated defect
REVIEWER - WAIVED COMMENT (2020-09-09): Client has elected to waive

1450000003

XXX

$XXX

9/XX/2019

Primary

Refinance Cash-out - Other

Safe Harbor QM

[3] Government Documentation - Loan Guaranty Certificate is missing.: -
[2] AUS Discrepancy / Guidelines Discrepancy - Due diligence results confirm loan defect provided

The subject property does not meet Va requirements as the repairs were not made as required prior to closing.
Loan Guaranty Certificate is missing.

BUYER - GENERAL COMMENT (2020-09-16): Acknowledged
REVIEWER - WAIVED COMMENT (2020-09-17): Client acknowledged the condition
BUYER - GENERAL COMMENT (2020-09-16): Waived - va uninsured
REVIEWER - WAIVED COMMENT (2020-09-17): Client has elected to waive

[3] Appraisal Documentation - Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.: -

Unique Loan ID	Property Exception Information	Property Exception Comments	Compliance Grade	Compliance Exceptions	Compliance Exception Information	Compliance Exception Comments	Compliance Comp Factors	Compensating Factors	Subject to High Cost - Unable to Test	Disposition 1	Disposition 2
1450001581		REVIEWER - GENERAL COMMENT (2018-09-17): The seller provided a copy of the escrow check request please provide a 442 to show the work has been completed	3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/09/XX/2017)	Federal Compliance - Loan was originated to DU Approve Eligible. Loan is no longer agency Salable therefore ATR risk .: Loan was originated to DU Approve Eligible. Loan is no longer agency Salable therefore ATR risk . Federal Compliance - Loan was originated to DU Approve Eligible. Loan is no longer agency Salable therefore DTI of 45.46835 is not acceptable.: Loan was originated to DU Approve Eligible. Loan is no longer agency Salable therefore DTI of 45.46835 is not acceptable. Federal Compliance - Missing certificate of eligibility in borrower name. Therefore loan is not agency salable.: Missing certificate of eligibility in borrower name. Therefore loan is not agency salable. Federal Compliance - Seller paid fees on the buyers Closing Disclosure is $0; seller paid fees on the sellers Closing Disclosure is $14,673.60.: Seller paid fees on the buyers Closing Disclosure is $0; seller paid fees on the sellers Closing Disclosure is $14,673.60.	SELLER - GENERAL COMMENT (2018-09-11): original loan defect was the fact that we are not able to obtain VA Insurance. What is required to get this loan approved and moved to funding? REVIEWER - GENERAL COMMENT (2018-09-13): Updated from: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. BUYER - WAIVED COMMENT (2018-09-18): loan priced as not meeting ATR REVIEWER - GENERAL COMMENT (2018-09-17): Loan is no longer agency Salable therefore DTI of 45.46835 is not acceptable using the waterfall process. BUYER - WAIVED COMMENT (2018-09-18): loan priced as not meeting ATR REVIEWER - GENERAL COMMENT (2018-08-30): The Seller provided evidence the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to REVIEWER - WAIVED COMMENT (2018-09-11): Buyer has elected to waive the condition REVIEWER - CURED COMMENT (2018-09-11): The seller provided corrected PCCD	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450001580			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $843.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2017)	Federal Compliance - Loan was originated to DU Approve Eligible. Loan is no longer agency Salable due to expired appraisal .: Loan was originated to DU Approve Eligible. Loan is no longer agency Salable due to expired appraisal . Federal Compliance - Appraisal was expired at time of closing.: Appraisal was expired at time of closing. Federal Compliance - No Dollar amount was disclosed by which the Total Closing Costs exceeds the legal limit on the Final Closing Disclosure.: No Dollar amount was disclosed by which the Total Closing Costs exceeds the legal limit on the Final Closing Disclosure. Federal Compliance - No cure provided for Transfer Tax Fee pf $843.60 that exceeds tolerance of $0.00. It does not appear borrower was advised of this fee.: No cure provided for Transfer Tax Fee pf $843.60 that exceeds tolerance of $0.00. It does not appear borrower was advised of this fee.	SELLER - GENERAL COMMENT (2018-09-11): the original file defect was that the appraisal expired before the loan closed and is not eligible for FHA insuring. BUYER - WAIVED COMMENT (2018-09-18): loan priced as not meeting ATR REVIEWER - WAIVED COMMENT (2018-09-11): Buyer has elected to waive the condition SELLER - GENERAL COMMENT (2018-08-28): this was a seller fee REVIEWER - GENERAL COMMENT (2018-08-28): Per Review seller fees are included in tolerance testing. Exception referred to NY Mortgage Trust for review and disposition. SELLER - GENERAL COMMENT (2018-08-28): This verbiage is only present when there is a cure. there was no cure given on this file. REVIEWER - GENERAL COMMENT (2018-08-28): Calculating Cash to Close did not disclosed a dollar amount of $843.60 by which the Total Closing Costs exceeded the legal limit.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001579			2	[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,287.75 exceeds tolerance of $1,085.00 plus 10% or $1,193.50. Insufficient or no cure was provided to the borrower. (0) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2017)	Federal Compliance - Cure for Endorsement Fee in the amount of $318.75 was not provided.: Cure for Endorsement Fee in the amount of $318.75 was not provided. Federal Compliance - Ten Percent Fee Tolerance exceeded. Total amount of $1,287.75 exceeds tolerance of $1,085.00 plus 10% or $1,193.50. Insufficient or no cure was provided to the borrower: Ten Percent Fee Tolerance exceeded. Total amount of $1,287.75 exceeds tolerance of $1,085.00 plus 10% or $1,193.50. Insufficient or no cure was provided to the borrower	REVIEWER - GENERAL COMMENT (2018-10-03): The Title - Endorsement Fee is being tested in 0% tolerance due to the fee was disclosed in section B of the final CD paid to a vendor listed on the SSPL and was not disclosed on previous disclosures REVIEWER - GENERAL COMMENT (2018-10-11): The Title - Endorsement Fee is being tested in 0% tolerance due to the fee was disclosed in section B of the final CD paid to a vendor listed on the SSPL and was not disclosed on previous disclosures REVIEWER - GENERAL COMMENT (2018-10-11): Exception referred to Buyer for review and disposition.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001578			2	[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2017) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $332.50 exceeds tolerance of $328.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2017)	Federal Compliance - Cure for 0% tolerance violation ($4.50) was not provided.: Cure for 0% tolerance violation ($4.50) was not provided. Federal Compliance - No Evidence of early receipt was located in the file: No Evidence of early receipt was located in the file Federal Compliance - No Valid COC or Insufficient or no cure was provided to the borrower.: No Valid COC or Insufficient or no cure was provided to the borrower.	REVIEWER - GENERAL COMMENT (2018-09-24): The seller provided evidence of receipt of disclosures that were not located in the file REVIEWER - GENERAL COMMENT (2018-10-03): No Evidence of early receipt was located in the file REVIEWER - GENERAL COMMENT (2018-09-24): The seller provided PCCD but did not supply Letter of Explanation, Proof of Delivery, and a Copy of Refund Check, REVIEWER - GENERAL COMMENT (2018-10-03): The seller provided PCCD but did not supply Letter of Explanation, Proof of Delivery, and a Copy of Refund Check, REVIEWER - GENERAL COMMENT (2018-10-03): The seller provided PCCD but did not supply Letter of Explanation, Proof of Delivery, and a Copy of Refund Check,	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001577			2	[2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $659.12 on Final Closing Disclosure provided on 11/XX/2017 not accurate. (Final/11/XX/2017)	Federal Compliance - Final disclosure reflects an estimated non escrowed total expense of $659.12, calculated expense is $719.04: Final disclosure reflects an estimated non escrowed total expense of $659.12, calculated expense is $719.04	REVIEWER - GENERAL COMMENT (2018-09-24): HOI calculates out to $57.50 per month Non Escrowed Property Costs Year 1 calculates to $59.92 per month REVIEWER - GENERAL COMMENT (2018-10-04): HOI premium is 690 equals 57.50 per months. 11 months equals 632.50. The final CD disclosed $659.12 for Non-Escrowed property cost over 1 year	TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001576			2	[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $344.00 exceeds tolerance of $301.00 plus 10% or $331.10. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title- Title Search. Fee Amount of $253.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/05/XX/2018)	Federal Compliance - Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing: Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing Federal Compliance - Ten Percent Fee Tolerance exceeded. Total amount of $344.00 exceeds tolerance of $301.00 plus 10% or $331.10 due to an increase in the transfer taxes. Missing proof of valid change, insufficient or no cure was provided to the borrower.: Ten Percent Fee Tolerance exceeded. Total amount of $344.00 exceeds tolerance of $301.00 plus 10% or $331.10 due to an increase in the transfer taxes. Missing proof of valid change, insufficient or no cure was provided to the borrower. Federal Compliance - Zero Percent Fee Tolerance exceeded for Title- Title Search initially disclosed on the final CD. Fee Amount of $253.00 exceeds tolerance of $0.00.: Zero Percent Fee Tolerance exceeded for Title- Title Search initially disclosed on the final CD. Fee Amount of $253.00 exceeds tolerance of $0.00. Federal Compliance - TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $6,995.00, while closing CD seller's fees total $7,340.00: TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $6,995.00, while closing CD seller's fees total $7,340.00	REVIEWER - GENERAL COMMENT (2018-09-25): insufficient or no cure was provided to the borrower. SELLER - GENERAL COMMENT (2018-10-04): No cure is necessary. Title fees increased due to fact that borrower opted to shop for own title company. Title fees are therefore are not subject to 10% tolerance. REVIEWER - GENERAL COMMENT (2018-10-04): Exception referred to Buyer for review and disposition. REVIEWER - GENERAL COMMENT (2018-10-11): The fee was not previously disclosed on any previous LE or CD's allowing the borrower time to shop for a vendor REVIEWER - GENERAL COMMENT (2018-10-11): Exception referred to Buyer for review and disposition. REVIEWER - GENERAL COMMENT (2018-09-25): insufficient or no cure was provided to the borrower. SELLER - GENERAL COMMENT (2018-10-04): No cure is necessary. Title fees increased due to fact that borrower opted to shop for own title company. Title fees are therefore are not subject to 10% tolerance. REVIEWER - GENERAL COMMENT (2018-10-04): Exception referred to Buyer for review and disposition. REVIEWER - CURED COMMENT (2018-10-11): The seller provided Letter of Explanation & Corrected Post Close Closing Disclosure	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001575			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2018)	Federal Compliance - Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing: Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing Federal Compliance - Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.	SELLER - GENERAL COMMENT (2018-09-25): Disagree - the appraisal fee was not valid as it was not disclosed within 3 business days of the change of circumstance, however, the posting closing cure team issued a refund. See attached. REVIEWER - CURED COMMENT (2018-09-25): The seller provided Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD SELLER - GENERAL COMMENT (2018-09-25): Disagree. APOR at lock date (1/XX/18) was 3.56. 3.56 + 1.5=5.06. Therefore, this is not a fail REVIEWER - GENERAL COMMENT (2018-09-25): Internal Lock Confirmation provided in the file dated 2/XX/2018 reflects the rate lock date as 10/XX/2017 with an expiration date of 2/XX/2018	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001574			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $989.00 exceeds tolerance of $768.00 plus 10% or $844.80. Insufficient or no cure was provided to the borrower. (0) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018)	Federal Compliance - Defect reason provided on tape has been confirmed. Loan not eligible for FHA Insurance. Uninsured FHA - Collateral and credit docs signed by non borrowing spouse.: Defect reason provided on tape has been confirmed. Loan not eligible for FHA Insurance. Uninsured FHA - Collateral and credit docs signed by non borrowing spouse. Federal Compliance - The final CD did not provide a tolerance cure for the increase to the Title Fees and the Recording Fees.: The final CD did not provide a tolerance cure for the increase to the Title Fees and the Recording Fees. Federal Compliance - The CD issued on 1/XX/18 increased the Title Fees and Recording Fees by more than 10% without a valid change of circumstance.: The CD issued on 1/XX/18 increased the Title Fees and Recording Fees by more than 10% without a valid change of circumstance.	BUYER - WAIVED COMMENT (2018-10-08): Related to known defect. REVIEWER - GENERAL COMMENT (2018-09-25): The seller provided Letter of Explanation and Corrected PCCD. Please provide Proof of Delivery and Copy of Refund Check, SELLER - GENERAL COMMENT (2018-10-04): No refund check or proof of delivery necessary. Cure included in CD to cover difference. REVIEWER - GENERAL COMMENT (2018-10-04): The seller provided a PCCD dated 9/XX/2018 with a disbursement date of 1/XX/2018 that disclosed a Lender Credit of $144.20. The seller did not provide a copy of the refund check or proof or delivery for the overage charged REVIEWER - GENERAL COMMENT (2018-10-04): Exception referred to Buyer for review and disposition. REVIEWER - GENERAL COMMENT (2018-10-04): The seller provided a PCCD dated 9/XX/2018 with a disbursement date of 1/XX/2018 that disclosed a Lender Credit of $144.20. The seller did not provide a copy of the refund check or proof or delivery for the overage charged REVIEWER - GENERAL COMMENT (2018-10-04): Exception referred to Buyer for review and disposition.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001573			2	[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,409.00 exceeds tolerance of $2,059.00 plus 10% or $2,264.90. Insufficient or no cure was provided to the borrower. (0) [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/02/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees: TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/02/XX/2018)	Federal Compliance - Final Closing Disclosure provided on 02/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.: Final Closing Disclosure provided on 02/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. Federal Compliance - No cure is required.: No cure is required. Federal Compliance - Ten Percent Fee Tolerance exceeded. Total amount of $2,409.00 exceeds tolerance of $2,059.00 plus 10% or $2,264.90. Insufficient or no cure was provided to the borrower.: Ten Percent Fee Tolerance exceeded. Total amount of $2,409.00 exceeds tolerance of $2,059.00 plus 10% or $2,264.90. Insufficient or no cure was provided to the borrower. Federal Compliance - Cured by post-closing Closing Disclosure.: Cured by post-closing Closing Disclosure.	SELLER - GENERAL COMMENT (2018-09-28): The seller provided a Comp Ease REVIEWER - GENERAL COMMENT (2018-09-28): Per Review scope seller fees are included in tolerance testing Exception referred to Buyer for review and disposition. REVIEWER - CURED COMMENT (2018-09-07): Corrected Closing Disclosure provided on 02/XX/2018. REVIEWER - CURED COMMENT (2018-09-07): Corrected Closing Disclosure provided on 2/XX/2018.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001572			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller Change - Total Payoffs: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2017 incorrectly disclosed whether there was a change in the Total Payoffs and Payments. (Final/11/XX/2017) [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $860.00 exceeds tolerance of $760.00 plus 10% or $836.00. Sufficient or excess cure was provided to the borrower at Closing. (0) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $207.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)	Federal Compliance - Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.due to failing AUS: Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.due to failing AUS Federal Compliance - Defect reason provided on tape has been confirmed: This loan can't be insured because it isn't eligible through FHA because the borrower wasn't on title for one year and the appraised value shouldn't have been used to determine the loan amount. Title Commitment states the owner took title 12/XX/16 and the subject Note date is 11/XX/17.: Defect reason provided on tape has been confirmed: This loan can't be insured because it isn't eligible through FHA because the borrower wasn't on title for one year and the appraised value shouldn't have been used to determine the loan amount. Title Commitment states the owner took title 12/XX/16 and the subject Note date is 11/XX/17. Federal Compliance - 43.91% exceeds the QM maximum of 43%.: 43.91% exceeds the QM maximum of 43%. Federal Compliance - Calculating the Cash to close disclosed the Loan Estimate Total Payoffs as $78,405 and the Closing Disclosure amount as $78,404.50 and disclosed "Yes" this changed. Should be "No" as the LE was rounded.: Calculating the Cash to close disclosed the Loan Estimate Total Payoffs as $78,405 and the Closing Disclosure amount as $78,404.50 and disclosed "Yes" this changed. Should be "No" as the LE was rounded.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Cleared REVIEWER - WAIVED COMMENT (2018-12-07): Buyer accepted the exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001571			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Miscellaneous Compliance - Rental Income Documentation - Schedule E Method: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E) [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (XXX XXX/Pension) [3] Federal Compliance - Social Security Documentation: Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (XXX SS/Social Security) [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Property Value: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/XX/2017 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/11/XX/2017)	Federal Compliance - Loan is not insurable by FHA.: Loan is not insurable by FHA. Miscellaneous Compliance - Rental income was used to qualify. File is missing 2016 Tax Transcript and Lease Agreement.: Rental income was used to qualify. File is missing 2016 Tax Transcript and Lease Agreement. Federal Compliance - Pension income was used to qualify. Award letter was not provided.: Pension income was used to qualify. Award letter was not provided. Federal Compliance - Social Security Income was used to qualify. A complete copy of current awards letter is required and was not provided.: Social Security Income was used to qualify. A complete copy of current awards letter is required and was not provided. Federal Compliance - Originator Loan Designation not provided: Originator Loan Designation not provided Federal Compliance - Initial escrow account statement is missing from this file.: Initial escrow account statement is missing from this file. Federal Compliance - The seller provided 2055 with a value of $XXX. The final CD disclosed an Appraised value of $XXX: The seller provided 2055 with a value of $XXX. The final CD disclosed an Appraised value of $XXX	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative			Out	TILA ATR/QM
1450001570			2	[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/03/XX/2016) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2016 not received by borrower at least four (4) business days prior to closing. (Interim/03/XX/2016) [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016 12:00:00 AM was received. (Interim/03/XX/2016)	Federal Compliance - Final calculated finance charges total $XXX whereas final finance charges are $XXX giving a variance of -$248.78.: Final calculated finance charges total $XXX whereas final finance charges are $XXX giving a variance of -$248.78. Federal Compliance - The toolkit was received on 3/XX/16 when the loan application date is 1/XX/16.: The toolkit was received on 3/XX/16 when the loan application date is 1/XX/16. Federal Compliance - Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016 No evidence of early receipt located in the file: Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016 No evidence of early receipt located in the file Federal Compliance - Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016, No evidence of early receipt located in the file: Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016, No evidence of early receipt located in the file	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001569			2	[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $4.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75228) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018)	Federal Compliance - Missing borrower signature on Affiliated Business Arrangement Disclosure.: Missing borrower signature on Affiliated Business Arrangement Disclosure. Federal Compliance - Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. Federal Compliance - Loan estimate dated 12/XX/2017 did not disclose a TX Guaranty fee to the borrower; The borrower's final CD the fee was disclosed as $4.50 without a valid COC or cure to the borrower.: Loan estimate dated 12/XX/2017 did not disclose a TX Guaranty fee to the borrower; The borrower's final CD the fee was disclosed as $4.50 without a valid COC or cure to the borrower. Federal Compliance - Loan estimate dated 12/XX/2017 disclose an appraisal fee to the borrower for $500.00;The final CD the fee was disclosed as $650.00 without no Valid COC or a cure to the borrower.: Loan estimate dated 12/XX/2017 disclose an appraisal fee to the borrower for $500.00;The final CD the fee was disclosed as $650.00 without no Valid COC or a cure to the borrower.	REVIEWER - GENERAL COMMENT (2018-09-28): The Sellers initial LE dated 12/XX/17 reflects the TX Guaranty Fee as $0.00. The initial CD dated 1/XX/18 reflects the TX Guaranty Fee as $4.50 at closing that was disclosed without a Valid COC to the borrower REVIEWER - GENERAL COMMENT (2018-09-28): The Sellers initial LE dated 12/XX/17 reflects the appraisal fee as $500.00. The appraisal dated 12/XX/2017. The initial CD dated 1/XX/18 reflects the appraisal fee as $425 POC and $225 at closing totaling $650.00 that was disclosed without a Valid COC to the borrower	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001568			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/12/XX/2015) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/12/XX/2015) [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2015) [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2015 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/XX/2015) [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/XX/2015)	Federal Compliance - MI cert is missing.: MI cert is missing. Federal Compliance - Originator Loan Designation was not provided in the file: Originator Loan Designation was not provided in the file Federal Compliance - Date issues is 12/XX/15 with closing date of 12/XX/15.: Date issues is 12/XX/15 with closing date of 12/XX/15. Federal Compliance - Final Closing Disclosure provided on 12/XX/2015 disclosed a Finance Charge $139,492.02 that does not match the actual finance charge $139,967.02 for the loan.: Final Closing Disclosure provided on 12/XX/2015 disclosed a Finance Charge $139,492.02 that does not match the actual finance charge $139,967.02 for the loan. Federal Compliance - Your Home Loan Toolkit Disclosure was not located in the file: Your Home Loan Toolkit Disclosure was not located in the file Federal Compliance - No evidence of early receipt was located in the file: No evidence of early receipt was located in the file Federal Compliance - Seller disclosure was not located in the file: Seller disclosure was not located in the file		Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001567			2	[2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [1] Federal Compliance - TRID Final Closing Disclosure Negative Fees: TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 08/XX/2016 disclosed a negative fee amount. (Final/08/XX/2016) [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/XX/2016 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/08/XX/2016)	Federal Compliance - Disclosure reflects a negative fee for MIP Refund (-1,813.35) in Section (H). This is TRID non-compliant.: Disclosure reflects a negative fee for MIP Refund (-1,813.35) in Section (H). This is TRID non-compliant. Federal Compliance - Prepaid Interest was disclosed as $14.8086 per day for 10 days for a total of $148.09, however this would equate to total paid of $148.10.: Prepaid Interest was disclosed as $14.8086 per day for 10 days for a total of $148.09, however this would equate to total paid of $148.10.	REVIEWER - GENERAL COMMENT (2018-09-28): Exception referred to Buyer for review and disposition. Our review of this file did not produce this as a finding, therefore we do not have curative documents.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.				-
1450001566			2	[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/08/XX/2016) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $1,056.00 on Final Closing Disclosure provided on 08/XX/2016 not accurate. (Final/08/XX/2016) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,000.00 exceeds tolerance of $2,500.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,840.10 exceeds tolerance of $1,837.00. Insufficient or no cure was provided to the borrower. (7567) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75206) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2016)	Federal Compliance - Final CD Finance Charge (pg 5) was $XXX and calculated Finance Charge is $XXX.: Final CD Finance Charge (pg 5) was $XXX and calculated Finance Charge is $XXX. Federal Compliance - oan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $1,056.00 on Final Closing Disclosure provided on 08/XX/2016 does not match the Non-Escrowed Property Costs of the loan: oan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $1,056.00 on Final Closing Disclosure provided on 08/XX/2016 does not match the Non-Escrowed Property Costs of the loan Federal Compliance - Final CD dated 08/XX/2016 Calculating Cash to Close (pg 3) does not disclose the accurate amount by which closing costs exceed legal limit.: Final CD dated 08/XX/2016 Calculating Cash to Close (pg 3) does not disclose the accurate amount by which closing costs exceed legal limit. Federal Compliance - Valid COC or Cure for Transfer Tax of $5,000 exceeds tolerance of $2,500 was not provided.: Valid COC or Cure for Transfer Tax of $5,000 exceeds tolerance of $2,500 was not provided. Federal Compliance - Valid COC or Cure for Title - Lender's Title Insurance of $1,840.10 was not provided.: Valid COC or Cure for Title - Lender's Title Insurance of $1,840.10 was not provided. Federal Compliance - Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Valid COC or Cure for Title - wire of $5 was not provided.: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Valid COC or Cure for Title - wire of $5 was not provided.		RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001565			2	[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $575.00 exceeds tolerance of $436.00 plus 10% or $479.60. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $480.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2017)	Federal Compliance - Final CD Calculating Cash to Close section did not disclose a value of the dollar amount by which the total closing costs exceeded the legal limit.: Final CD Calculating Cash to Close section did not disclose a value of the dollar amount by which the total closing costs exceeded the legal limit. Federal Compliance - Valid COC or Cure for $575 exceeding tolerance of $436 plus 10% or $479.60 was not provided. The title exam fee of $627, closing protection letter fee of $75 and endorsements of $175 were not previously disclosed to the borrower when the Loan Estimates were issued.: Valid COC or Cure for $575 exceeding tolerance of $436 plus 10% or $479.60 was not provided. The title exam fee of $627, closing protection letter fee of $75 and endorsements of $175 were not previously disclosed to the borrower when the Loan Estimates were issued. Federal Compliance - Valid COC or Cure for Transfer Tax of $480 was not provided.: Valid COC or Cure for Transfer Tax of $480 was not provided.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001564			1								-
1450001563			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77188) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018)	Federal Compliance - Subject loan does not meet the requirements of Temporary SHQM due to failing the QM points and fees test.: Subject loan does not meet the requirements of Temporary SHQM due to failing the QM points and fees test. Federal Compliance - No COC or Cure for 0% tolerance violation of $25.00 was not provided.: No COC or Cure for 0% tolerance violation of $25.00 was not provided. Federal Compliance - Title - Tax Certificate Fee was not disclosed on the Initial Loan Estimate dated 04/XX/2018, but disclosed as $25.00 on the Final Closing Disclosure and fee was not paid to the same title provider. No COC or Evidence of cure was not provided.: Title - Tax Certificate Fee was not disclosed on the Initial Loan Estimate dated 04/XX/2018, but disclosed as $25.00 on the Final Closing Disclosure and fee was not paid to the same title provider. No COC or Evidence of cure was not provided.		Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001562			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (XXX XXX/Pension) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,409.72 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7591) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/XX/2017) [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 11/XX/2017 received on or after the date the Closing Disclosure 11/XX/2017 12:00:00 AM was received. (Interim/11/XX/2017)	Federal Compliance - Loan Designation Match is accurate at HUD Safe Harbor QM.: Loan Designation Match is accurate at HUD Safe Harbor QM. Federal Compliance - Coded as No for Agency Salable due to the defect finding.: Coded as No for Agency Salable due to the defect finding. Federal Compliance - Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.: Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. Federal Compliance - The addition of the FHA UFMIP is a valid change of circumstance that was properly redisclosed on a re-issued CD. Because the initial CD had already been provided, the redisclosure related to the program change was correctly made using a CD.: The addition of the FHA UFMIP is a valid change of circumstance that was properly redisclosed on a re-issued CD. Because the initial CD had already been provided, the redisclosure related to the program change was correctly made using a CD. Federal Compliance - The LE was issued on 11/XX/2017 and the initial CD was issued on 11/XX/2017. There is no documentation provided to show that the borrower received the re-issued LE prior to 11/XX/2017.: The LE was issued on 11/XX/2017 and the initial CD was issued on 11/XX/2017. There is no documentation provided to show that the borrower received the re-issued LE prior to 11/XX/2017. Federal Compliance - The addition of the FHA UFMIP is a valid change of circumstance that was properly redisclosed on a re-issued CD. Because the initial CD had already been provided, the redisclosure related to the program change was correctly made using a CD.: The addition of the FHA UFMIP is a valid change of circumstance that was properly redisclosed on a re-issued CD. Because the initial CD had already been provided, the redisclosure related to the program change was correctly made using a CD.		Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001561			1	[1] Federal Compliance - (Missing Data) Last Rate Set Date : Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $55.00 exceeds tolerance of $14.00. Sufficient or excess cure was provided to the borrower at Closing. (7580) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $12.00 exceeds tolerance of $8.00. Sufficient or excess cure was provided to the borrower at Closing. (7579) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $156.40 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. (7520) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)	Federal Compliance - Tax Service fee was disclosed on LE at $14, but increased to $55 on final Closing Disclosure. However, a sufficient cure was disclosed.: Tax Service fee was disclosed on LE at $14, but increased to $55 on final Closing Disclosure. However, a sufficient cure was disclosed. Federal Compliance - Flood Certificate fee was disclosed on LE at $8, but increased to $12 on final Closing Disclosure. However, a sufficient cure was disclosed.: Flood Certificate fee was disclosed on LE at $8, but increased to $12 on final Closing Disclosure. However, a sufficient cure was disclosed. Federal Compliance - Credit Report fee was disclosed on LE at $50 but increased to $156.40on final Closing Disclosure. However, a sufficient cure was disclosed.: Credit Report fee was disclosed on LE at $50 but increased to $156.40on final Closing Disclosure. However, a sufficient cure was disclosed. Federal Compliance - Appraisal fee was disclosed on LE at $595, but increased to $750 on final Closing Disclosure. However, a sufficient cure was disclosed.: Appraisal fee was disclosed on LE at $595, but increased to $750 on final Closing Disclosure. However, a sufficient cure was disclosed.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.					-
1450001560			1	[1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 did not disclose number of months for homeowner's insurance under Prepaids. (Final/02/XX/2018)	Federal Compliance - The final CD does not show number of months collected for the homeowner's insurance.: The final CD does not show number of months collected for the homeowner's insurance.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001559			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/1688556) [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $2,499.75 on Final Closing Disclosure provided on 03/XX/2018 not accurate. (Final/03/XX/2018) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/550174) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/550174) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/03/XX/2018)	Federal Compliance - HUD Safe Harbor QM is the expected result. Due to the DTI ratios, the Due Diligence Loan Designation returned is ATR Risk.: HUD Safe Harbor QM is the expected result. Due to the DTI ratios, the Due Diligence Loan Designation returned is ATR Risk. Federal Compliance - Income was calculated incorrectly by underwriter, thus, the DTI ratio approved by UW is incorrect. There is no income calculation worksheet provided to determine how the figure was calculated. Comment on the FHA Loan Transmittal states "Income is base salary only. VOE supports the paystubs provided". The VOE does not support the paystubs. None of the averages support a weekly salary of $1,200 as provided on the VOE.: Income was calculated incorrectly by underwriter, thus, the DTI ratio approved by UW is incorrect. There is no income calculation worksheet provided to determine how the figure was calculated. Comment on the FHA Loan Transmittal states "Income is base salary only. VOE supports the paystubs provided". The VOE does not support the paystubs. None of the averages support a weekly salary of $1,200 as provided on the VOE. Federal Compliance - The file is missing documentation to verify the Loan Originator Compensation was not based on a term of the transaction.: The file is missing documentation to verify the Loan Originator Compensation was not based on a term of the transaction. Application / Processing - Initial Lender's 1003 is not located in file.: Initial Lender's 1003 is not located in file. Federal Compliance - No employment verification for previous employer is provided, thus, a 2-year history is not verified.: No employment verification for previous employer is provided, thus, a 2-year history is not verified. Federal Compliance - The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. The value provided on the tax certificate documentation was used in testing: The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. The value provided on the tax certificate documentation was used in testing Federal Compliance - The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. Entered the value provided on the tax certificate documentation in testing: The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. Entered the value provided on the tax certificate documentation in testing Federal Compliance - The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. Entered the value provided on the tax certificate documentation in testing: The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. Entered the value provided on the tax certificate documentation in testing Federal Compliance - The seller's CD is not provided.: The seller's CD is not provided.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-10-19): This is the reason that the loan is being sold as scratch & dent as it was underwritten incorrectly and not eligible for purchase or insurance by HUD REVIEWER - GENERAL COMMENT (2018-10-22): Exception referred to Buyer for final review and disposition. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-10-19): Originator comp is set at broker level - Please review and waive as there is no LO comp disclosure required REVIEWER - WAIVED COMMENT (2018-10-22): XXX has elected to waive this exception. Chose without comp factor. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-10-19): Attached is broker's initial 1003 - This is a TPO loan and thus we do not provide an initial 1003 REVIEWER - GENERAL COMMENT (2018-10-22): Per Seller originator is TPO and they do not provide lender's initial application. Exception referred to buyer for review and disposition. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001545			3	[3] Federal Compliance - Appendix Q Liabilities - Excluded because Non-Traditional: Qualified Mortgage (Dodd-Frank 2014): Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation incorrectly, based on Non-Traditional Credit Liability considerations. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/05/XX/2017) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.00 exceeds tolerance of $35.00. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017) [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/05/XX/2017)	Federal Compliance - Appraisal expired before the loan was approved.: Appraisal expired before the loan was approved. Federal Compliance - Cure for various 0% tolerance violations $125 was not provided.: Cure for various 0% tolerance violations $125 was not provided. Federal Compliance - A partial CD in the file that is missing page 1 has a stamp that states Date Mailed 5/XX/2017 JTN3 on pages 2-5. Please provide page 1: A partial CD in the file that is missing page 1 has a stamp that states Date Mailed 5/XX/2017 JTN3 on pages 2-5. Please provide page 1 Federal Compliance - Fee disclosed as $35 on LE dated 03/XX/17, but disclosed as $70 on Final Closing Disclosure. No valid COC was located in the file: Fee disclosed as $35 on LE dated 03/XX/17, but disclosed as $70 on Final Closing Disclosure. No valid COC was located in the file Federal Compliance - No valid COC was located in the file: No valid COC was located in the file Federal Compliance - Seller paid fees on the buyers Closing Disclosure is $0; seller paid fees on the sellers Closing Disclosure is $679.50.: Seller paid fees on the buyers Closing Disclosure is $0; seller paid fees on the sellers Closing Disclosure is $679.50.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-10-03): The appraisal is dated 5/XX/17, the final is dated 5/XX/17, and the loan closed 5/XX/17. REVIEWER - GENERAL COMMENT (2018-10-04): The appraisal provided in the file is dated 5/XX/17 REVIEWER - GENERAL COMMENT (2018-12-17): New information not provided. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001544			1	[1] Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/06/XX/2017)	Federal Compliance - Seller CD reflects fees totaling $10,057.50 however buyers CD reflects seller paid fees of $765.: Seller CD reflects fees totaling $10,057.50 however buyers CD reflects seller paid fees of $765.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.					-
1450001543			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $31.73 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/01/XX/2018)	Federal Compliance - Final CD dated 01/XX/2018 - Calculating Cash to Close did not disclose a dollar amount by which the Total Closing Costs exceeded the legal limit.: Final CD dated 01/XX/2018 - Calculating Cash to Close did not disclose a dollar amount by which the Total Closing Costs exceeded the legal limit. Federal Compliance - Fee was not disclosed on Loan Estimate or Initial Closing Disclosure dated 1/XX/17. Lender re-baselined fees on the Final CD outside of 7 days of consummation.: Fee was not disclosed on Loan Estimate or Initial Closing Disclosure dated 1/XX/17. Lender re-baselined fees on the Final CD outside of 7 days of consummation. Federal Compliance - Final CD dated 01/XX/2018 did not disclose any Seller Paid Fees.: Final CD dated 01/XX/2018 did not disclose any Seller Paid Fees.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001542			2	[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/06/XX/2017) [1] Federal Compliance - TRID Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/10/XX/2017) [1] Federal Compliance - TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. [1] Federal Compliance - TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	Federal Compliance - Earliest evidence the borrower was provided the Counseling Agencies was on 6/XX/17 and the application date is 3/XX/17.: Earliest evidence the borrower was provided the Counseling Agencies was on 6/XX/17 and the application date is 3/XX/17. Federal Compliance - Earliest evidence the borrower was provided the Appraisal Disclosure was on 6/XX/17 and the application date is 3/XX/17.: Earliest evidence the borrower was provided the Appraisal Disclosure was on 6/XX/17 and the application date is 3/XX/17. Federal Compliance - Earliest provided date located in the file 6/XX/17 and the application date is 3/XX/17.: Earliest provided date located in the file 6/XX/17 and the application date is 3/XX/17. Federal Compliance - Missing Initial Loan Estimate dated 3/XX/17.: Missing Initial Loan Estimate dated 3/XX/17. Federal Compliance - Earliest evidence the borrower was provided a SSPL was on 6/XX/17 and the application date is 3/XX/17.: Earliest evidence the borrower was provided a SSPL was on 6/XX/17 and the application date is 3/XX/17. Federal Compliance - Earliest evidence of delivery is 6/XX/17 and the application date was 3/XX/17.: Earliest evidence of delivery is 6/XX/17 and the application date was 3/XX/17. Federal Compliance - Seller's Closing Disclosure seller paid fees are $12,885.94 and the Consumer's Final Closing Disclosure did not reflect any seller paid fees.: Seller's Closing Disclosure seller paid fees are $12,885.94 and the Consumer's Final Closing Disclosure did not reflect any seller paid fees.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001541			2	[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2017 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/09/XX/2017) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $0.00 on Final Closing Disclosure provided on 09/XX/2017 not accurate. (Final/09/XX/2017) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $322.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2017) [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/09/XX/2017)	Federal Compliance - Final CD shows initial escrow payment of $856.49 but escrow disclosure shows initial escrow payment of $629.99: Final CD shows initial escrow payment of $856.49 but escrow disclosure shows initial escrow payment of $629.99 Federal Compliance - Final CD finance charge did not include $250 Admin Fee in section H: Final CD finance charge did not include $250 Admin Fee in section H Federal Compliance - Subject is in an HOA but HOA fees not disclosed on final CD: Subject is in an HOA but HOA fees not disclosed on final CD Federal Compliance - Final CD disclosed $0.00: Final CD disclosed $0.00 Federal Compliance - No cure provided in file: No cure provided in file Federal Compliance - There are fees listed on the Seller's Closing Disclosure that was not listed on the borrower's final closing disclosure.: There are fees listed on the Seller's Closing Disclosure that was not listed on the borrower's final closing disclosure.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001540			2	[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/04/XX/2018) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $9.00 exceeds tolerance of $5.00. Sufficient or excess cure was provided to the borrower at Closing. (75229) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $832.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7200)	Federal Compliance - Initial Closing Disclosure is dated 4/XX/18 with consummation date of 4/XX/18 without evidence of timing waiver. The file does not contain a copy of the initial CD issued on 4/XX/18 and confirmed as received, per the Disclosure Tracking Summary in the file.: Initial Closing Disclosure is dated 4/XX/18 with consummation date of 4/XX/18 without evidence of timing waiver. The file does not contain a copy of the initial CD issued on 4/XX/18 and confirmed as received, per the Disclosure Tracking Summary in the file. Federal Compliance - Seller Disclosure reflects fees totaling $11,717.79 yet borrower's final CD shows seller fees in the amount of $12,562.98: Seller Disclosure reflects fees totaling $11,717.79 yet borrower's final CD shows seller fees in the amount of $12,562.98 Federal Compliance - Lender provided a tolerance cure of $1,097.40 on the final CD.: Lender provided a tolerance cure of $1,097.40 on the final CD. Federal Compliance - Lender provided a tolerance cure of $1,097.40 on the final CD.: Lender provided a tolerance cure of $1,097.40 on the final CD.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001539			2	[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2017 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/05/XX/2017) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $4,086.72 on Final Closing Disclosure provided on 05/XX/2017 not accurate. (Final/05/XX/2017) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017) [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/05/XX/2017)	Federal Compliance - There is no evidence in file disclosure was provided to the Borrower prior to 5/XX/17.: There is no evidence in file disclosure was provided to the Borrower prior to 5/XX/17. Federal Compliance - Unable to confirm the discrepancy due to missing itemization of amount financed, however, it appears the $150 fee for the Condo Questionnaire was not originally included in the finance charges.: Unable to confirm the discrepancy due to missing itemization of amount financed, however, it appears the $150 fee for the Condo Questionnaire was not originally included in the finance charges. Federal Compliance - The Monthly HOA fee of $340 translates to an annual amount of $4080; the CD disclosed $4086.72.: The Monthly HOA fee of $340 translates to an annual amount of $4080; the CD disclosed $4086.72. Federal Compliance - The Appraisal Re-Inspection Fee of $185 was not disclosed to the Borrower in the LE. There was no valid change of circumstance documented in file and the Final CD did not disclose a cure provided to the Borrower.: The Appraisal Re-Inspection Fee of $185 was not disclosed to the Borrower in the LE. There was no valid change of circumstance documented in file and the Final CD did not disclose a cure provided to the Borrower. Federal Compliance - There is no evidence in file disclosure was provided to the Borrower prior to 5/XX/17.: There is no evidence in file disclosure was provided to the Borrower prior to 5/XX/17. Federal Compliance - There were seller paid fees disclosed on the Borrower's Final CD but the Seller CD was not provided in file.: There were seller paid fees disclosed on the Borrower's Final CD but the Seller CD was not provided in file. Federal Compliance - Appraisal Re-inspection fee disclosed as $185.00 on CD dated 05/XX/2017 but not disclosed on LE. No valid change of circumstance in file and no cure provided to Borrower.: Appraisal Re-inspection fee disclosed as $185.00 on CD dated 05/XX/2017 but not disclosed on LE. No valid change of circumstance in file and no cure provided to Borrower.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001538			3	[3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/07/XX/2017) [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $4,086.72 on Final Closing Disclosure provided on 07/XX/2017 not accurate. (Final/07/XX/2017) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/07/XX/2017)	Federal Compliance - Subject loan exceeds allowable maximum of 3% and is not covered by QM Safe Harbor.: Subject loan exceeds allowable maximum of 3% and is not covered by QM Safe Harbor. Federal Compliance - Confirmed Non-QM status via Compliance Report.: Confirmed Non-QM status via Compliance Report. Federal Compliance - Although the borrower waived the 3 day timing requirement, there is no evidence in file of borrower receiving a copy of the appraisal report.: Although the borrower waived the 3 day timing requirement, there is no evidence in file of borrower receiving a copy of the appraisal report. Federal Compliance - Amount of Non-Escrowed Property Costs over Year 1 in the amount of $4,086.72 is less than disclosed amount of $4,092.00 provided on property valuation.: Amount of Non-Escrowed Property Costs over Year 1 in the amount of $4,086.72 is less than disclosed amount of $4,092.00 provided on property valuation. Federal Compliance - Evidence of earlier borrower receipt was not found in file.: Evidence of earlier borrower receipt was not found in file.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is generally no Assignee Liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001537			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Broker: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/XX/2017 did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/07/XX/2017) [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/XX/2017 received on or after the date the Closing Disclosure 7/XX/2017 12:00:00 AM was received. (Interim/07/XX/2017) [1] Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/07/XX/2017)	Federal Compliance - Loan not salable due to lack of condo warranty.: Loan not salable due to lack of condo warranty. Federal Compliance - FACTA not located in file.: FACTA not located in file. Federal Compliance - Broker information not located on final CD page 5.: Broker information not located on final CD page 5. Federal Compliance - Home loan toolkit not located in file.: Home loan toolkit not located in file. Federal Compliance - Loan estimate dated 7/XX/2017 was not signed/dated by borrower. Estimated receipt date is 7/XX/2017. Initial closing disclosure issue date is 7/XX/2017.: Loan estimate dated 7/XX/2017 was not signed/dated by borrower. Estimated receipt date is 7/XX/2017. Initial closing disclosure issue date is 7/XX/2017. Federal Compliance - Seller fees from consumer's final CD are $19,320.75. Seller fees from seller's CD are $14,811.00.: Seller fees from consumer's final CD are $19,320.75. Seller fees from seller's CD are $14,811.00.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is no Assignee Liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001536			2	[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2018) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $712.00 exceeds tolerance of $251.00 plus 10% or $276.10. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $587.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,460.59 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 01/XX/2018 disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/01/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/XX/2018)	Federal Compliance - Date of consummation is 1/XX/18 vs. 1/XX/18 listed on the Final Closing Disclosure.: Date of consummation is 1/XX/18 vs. 1/XX/18 listed on the Final Closing Disclosure. Federal Compliance - Final Closing Disclosure reflects $140,000 cash to close yet calculated cash to close listed on the bottom of page 3 indicates $140,636 which includes the 3 debts borrower is paying at closing.: Final Closing Disclosure reflects $140,000 cash to close yet calculated cash to close listed on the bottom of page 3 indicates $140,636 which includes the 3 debts borrower is paying at closing. Federal Compliance - Final CD reflected costs exceeding the legal limit of $86.40 yet amount of increased fees exceeding the max totals $2,324.64: Final CD reflected costs exceeding the legal limit of $86.40 yet amount of increased fees exceeding the max totals $2,324.64 Federal Compliance - Final CD issued on 01/XX/2018 without evidence of timing waiver in file.: Final CD issued on 01/XX/2018 without evidence of timing waiver in file. Federal Compliance - Seller CD not in file.: Seller CD not in file. Federal Compliance - Initial LE reflected recording fees of $261 yet final Closing Disclosure reflected $712 paid between borrower and seller.: Initial LE reflected recording fees of $261 yet final Closing Disclosure reflected $712 paid between borrower and seller. Federal Compliance - Initial LE did not reflect any Transfer Tax fee yet final Closing Disclosure reflected a fee of $587.95 that was paid by the seller.: Initial LE did not reflect any Transfer Tax fee yet final Closing Disclosure reflected a fee of $587.95 that was paid by the seller. Federal Compliance - Loan Discount fee of $1460.59 was not disclosed on initial LE and a valid changed circumstance confirming borrower requested change is missing from the loan file.: Loan Discount fee of $1460.59 was not disclosed on initial LE and a valid changed circumstance confirming borrower requested change is missing from the loan file.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001535			2	[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2018) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,268.00 exceeds tolerance of $1,267.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,069.08 exceeds tolerance of $2,535.00. Insufficient or no cure was provided to the borrower. (7200) [1] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2018 disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. (Final/01/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees: TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/01/XX/2018)	Federal Compliance - Additional Seller paid fees were not disclosed on Seller's CD.: Additional Seller paid fees were not disclosed on Seller's CD. Federal Compliance - Cash to Close table did not disclose a dollar figure for the exceed legal limit; no cure was provided.: Cash to Close table did not disclose a dollar figure for the exceed legal limit; no cure was provided. Federal Compliance - Initial CD(s) were not provided; delivery confirmation of CD(s) was provided at the time of review.: Initial CD(s) were not provided; delivery confirmation of CD(s) was provided at the time of review. Federal Compliance - Consumer's Final CD indicated $1.00 credit for increase of fee.: Consumer's Final CD indicated $1.00 credit for increase of fee. Federal Compliance - Change of circumstance provided, however CD was not provided at the time of review.: Change of circumstance provided, however CD was not provided at the time of review. Federal Compliance - Seller Cd seller paid fees are $15840.88 Final CD seller paid fees are $18375.88: Seller Cd seller paid fees are $15840.88 Final CD seller paid fees are $18375.88	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001534			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/01/XX/2018) [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/02/XX/2018) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $5.00. Insufficient or no cure was provided to the borrower. (75228) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2018)	Federal Compliance - Unable to determine when the borrower received a copy of the appraisal.: Unable to determine when the borrower received a copy of the appraisal. Federal Compliance - Cure for $4 0% tolerance violation not provided.: Cure for $4 0% tolerance violation not provided. Federal Compliance - Earlier dated CD not provided.: Earlier dated CD not provided. Federal Compliance - Cure for $4 0% tolerance violation not provided.: Cure for $4 0% tolerance violation not provided.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	There is generally no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001533			2	[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2017) [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/XX/2017)	Federal Compliance - Final CD issued 1/XX/2017 and closing date is 1/XX/2017.: Final CD issued 1/XX/2017 and closing date is 1/XX/2017. Federal Compliance - Missing Seller CD.: Missing Seller CD.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001532			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $214.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2017 disclosed a Closing Date that did not match the actual date of consummation. (Final/08/XX/2017) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2017) [1] Federal Compliance - TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD: TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/08/XX/2017)	Federal Compliance - Loan does not meet QM requirements, proof of insurability is not available.: Loan does not meet QM requirements, proof of insurability is not available. Federal Compliance - Confirmed. Loan is uninsurable due to property issues.: Confirmed. Loan is uninsurable due to property issues. Federal Compliance - While AUS was Approve/Eligible, the Property was not acceptable for insurance by the appropriate agency.: While AUS was Approve/Eligible, the Property was not acceptable for insurance by the appropriate agency. Federal Compliance - The file did not include a Post Consummation CD which corrected the Closing Date.: The file did not include a Post Consummation CD which corrected the Closing Date. Federal Compliance - No: No Federal Compliance - Seller paid fee, no cure required.: Seller paid fee, no cure required. Federal Compliance - The Seller CD reflected total costs of $68,367.45 while the Buyer's CD totaled $73,301.95, a difference of $4934.50. $3500 of the difference was due to Seller Paid being shown on page 1 in the Seller CD. The remaining difference of $1434.50 was the fees paid by the seller for their part of the transaction.: The Seller CD reflected total costs of $68,367.45 while the Buyer's CD totaled $73,301.95, a difference of $4934.50. $3500 of the difference was due to Seller Paid being shown on page 1 in the Seller CD. The remaining difference of $1434.50 was the fees paid by the seller for their part of the transaction.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2018-10-29): Final CD - Funding Date 8/XX/17 REVIEWER - GENERAL COMMENT (2018-10-29): Final CD reflects a closing date of 08/XX/2017; however the actual closing date was 08/XX/2017. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001531			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/03/XX/2018) [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2018) (an overage of $XXX or XXX%). [2] Federal Compliance - TRID Loan Estimate Seven Day Waiting Period: TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. (Initial/03/XX/2018) [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/03/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/03/XX/2018) [1] Federal Compliance - TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	Federal Compliance - Valuation effective date 2/XX/18 and Report Signature date is 3/XX/18. D0002 Appraisal Deliver Certification reflects Appraisal delivered via email on 2/XX/18.: Valuation effective date 2/XX/18 and Report Signature date is 3/XX/18. D0002 Appraisal Deliver Certification reflects Appraisal delivered via email on 2/XX/18. Federal Compliance - XXX: XXX Federal Compliance - Loan estimate was delivered 3/XX/2018, less than seven days prior to closing, which was 3/12;/2018.: Loan estimate was delivered 3/XX/2018, less than seven days prior to closing, which was 3/12;/2018. Federal Compliance - Consummation date 3/XX/18. Application date 01/XX/2018. The only LE in the loan file is dated 03/XX/2018.: Consummation date 3/XX/18. Application date 01/XX/2018. The only LE in the loan file is dated 03/XX/2018. Federal Compliance - Servicing Disclosure was provided to buyer on 3/XX/18; no evidence the disclosure was received within 3 days of application.: Servicing Disclosure was provided to buyer on 3/XX/18; no evidence the disclosure was received within 3 days of application. Federal Compliance - Title (CPL, Owner's Title Insurance Optional, Search & Exam Seller & Buyer, Settlement Closing Fee, TI Enforcement Fund MP & OP); Tax Judgment Payoff and Title LD Deed Prep Fee not on Final CD.: Title (CPL, Owner's Title Insurance Optional, Search & Exam Seller & Buyer, Settlement Closing Fee, TI Enforcement Fund MP & OP); Tax Judgment Payoff and Title LD Deed Prep Fee not on Final CD.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2018-10-29): LE REVIEWER - GENERAL COMMENT (2018-10-30): Received/reviewed Loan estimate dated 03/XX/2018. Document was received and signed by borrower on 03/XX/2018 which is less than the seven day prior to closing requirement. Exception remains. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001426			2	[2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/02/XX/2017) [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/02/XX/2017)	Federal Compliance - Earliest Closing Disclosure is dated 02/XX/2017.: Earliest Closing Disclosure is dated 02/XX/2017. Federal Compliance - Sellers CD contains title fees and Real Estate Broker Commission that is not reflected on Buyer CD: Sellers CD contains title fees and Real Estate Broker Commission that is not reflected on Buyer CD	BUYER - GENERAL COMMENT (2018-11-27): Waived REVIEWER - WAIVED COMMENT (2018-11-27): Buyer elected to waive BUYER - GENERAL COMMENT (2018-11-27): Waived REVIEWER - WAIVED COMMENT (2018-11-28): Buyer waived the exception	TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001425			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/09/XX/2018) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,932.50 exceeds tolerance of $783.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018) [1] Federal Compliance - TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure: TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/06/XX/2018)	Federal Compliance - Borrower confirmed receipt of appraisal on 6/XX/18, prior to the Appraisal report date of 9/XX/18.: Borrower confirmed receipt of appraisal on 6/XX/18, prior to the Appraisal report date of 9/XX/18. Federal Compliance - No amount listed on final CD.: No amount listed on final CD. Federal Compliance - No cure provided on file.: No cure provided on file. Federal Compliance - Final CD reflected no seller fees.: Final CD reflected no seller fees.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001424			1	[1] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/06/XX/2018)	Federal Compliance - The Closing dated Dated 6/XX/2018 reflects incorrect calculations regarding the Prepaid Interest in Section F. The interest collected is $140.64; however, the correct amount is $10.8185 per day for 14 days (6/18-6/30)=$151.46. ------- Final CD reflects interest from 06/XX/2018 through 06/XX/2018, not 07/XX/2018. Condition remains.: The Closing dated Dated 6/XX/2018 reflects incorrect calculations regarding the Prepaid Interest in Section F. The interest collected is $140.64; however, the correct amount is $10.8185 per day for 14 days (6/18-6/30)=$151.46. ------- Final CD reflects interest from 06/XX/2018 through 06/XX/2018, not 07/XX/2018. Condition remains.	SELLER - GENERAL COMMENT (2018-11-21): our system is making the daily interest 13 days per attached screenshot. 06/XX to the first of July is XX days SELLER - GENERAL COMMENT (2018-11-29): response from our compliance department REVIEWER - GENERAL COMMENT (2018-11-30): The final CD reflects prepaid daily interest of $10.8185/day. Prepaid interest collected as reflected on the final CD is from 06/XX/2018 through 06/XX/2018 which is XX days which would equal the correct amount of $129.82. CD does not reflect interest was collected through 07/XX/2018. Condition remains. BUYER - GENERAL COMMENT (2018-12-03): Waived REVIEWER - WAIVED COMMENT (2018-12-03): Buyer waived exception	TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001423			2	[2] Federal Compliance - High Cost Indicator Test: Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $874.30 exceeds tolerance of $228.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017)	Federal Compliance - High Cost loan with fees of $XXX vs. $XXX allowable (5% of Loan Amount).: High Cost loan with fees of $XXX vs. $XXX allowable (5% of Loan Amount). Federal Compliance - No amount was listed on final CD for closing costs exceeding legal limit.: No amount was listed on final CD for closing costs exceeding legal limit. Federal Compliance - No cure provided to borrower.: No cure provided to borrower. Federal Compliance - No cure provided to borrower.: No cure provided to borrower.	BUYER - GENERAL COMMENT (2018-12-27): Acknowledged REVIEWER - GENERAL COMMENT (2018-12-27): XXX please advise if you are waiving or accepting this exception? REVIEWER - WAIVED COMMENT (2018-12-27): Buyer accepted the exceptions BUYER - GENERAL COMMENT (2018-12-07): This fee was set up from the beginning to be a seller paid fee as per negotiated in the contract. Since the borrower was not obligated to pay the fee, it was not required to be disclosed on the LE. REVIEWER - GENERAL COMMENT (2018-12-10): Per review scope, Seller paid fees are to be included in tolerance testing. The survey fee of 250 and the transfer taxes of $874.30 are both paid by seller and are creating the tolerance violations. Referring to buyer for review and disposition. BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-07): The Survey is under "Services Borrower Can/Did Shop For" so these fees may change as long as the service provider, in this case XXX, does not appear on our Service Provider List, which it does not. REVIEWER - GENERAL COMMENT (2018-12-10): Per review scope, Seller paid fees are to be included in tolerance testing. The survey fee of 250 and the transfer taxes of $874.30 are both paid by seller and are creating the tolerance violations. Referring to buyer for review and disposition. BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-07): The Survey is under "Services Borrower Can/Did Shop For" so these fees may change as long as the service provider, in this case XXX, does not appear on our Service Provider List, which it does not. REVIEWER - GENERAL COMMENT (2018-12-10): Per review scope, Seller paid fees are to be included in tolerance testing. The survey fee of 250 and the transfer taxes of $874.30 are both paid by seller and are creating the tolerance violations. Referring to buyer for review and disposition. BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001422			2	[2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2017) (an overage of $XXX or XXX%). [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,925.00 exceeds tolerance of $727.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2017)	Federal Compliance - Cure for 0% tolerance violations ($1,358.00) was not provided.: Cure for 0% tolerance violations ($1,358.00) was not provided. Federal Compliance - Fee disclosed as $727.00 on LE dated 07/XX/2017, but disclosed as $1,925.00 on Final Closing Disclosure. No valid changed circumstance is documented and no tolerance cure is provided at closing.: Fee disclosed as $727.00 on LE dated 07/XX/2017, but disclosed as $1,925.00 on Final Closing Disclosure. No valid changed circumstance is documented and no tolerance cure is provided at closing.	SELLER - GENERAL COMMENT (2018-12-03): Rate Sheet REVIEWER - GENERAL COMMENT (2018-12-04): Updated from: FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2017). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2017) (an overage of $XXX or XXX%). BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-07): $1,925 is not the correct amount for the transfer taxes. The transfer taxes that were collected at closing was $693.00. They are less than what was originally disclosed due to a reduction in the sales price of the property. REVIEWER - GENERAL COMMENT (2018-12-10): Review scope requires Seller paid fees to be included in tolerance testing. Seller paid transfer tax is creating tolerance violations. Referring to buyer for review and disposition. BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-07): The MLC fee is under "Services Borrower Did Shop For" so these fees may change as long as the service provider, in this case Stewart Title, does not appear on our Service Provider List, which it does not. REVIEWER - GENERAL COMMENT (2018-12-10): Review scope requires Seller paid fees to be included in tolerance testing. Seller paid transfer tax is creating tolerance violations. Referring to buyer for review and disposition. BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001421			2	[2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.27890% or Final Disclosure APR of 7.30600% is in excess of allowable threshold of APOR 4.56% + 1.5%, or 6.06000%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Did Not Obtain 2 Appraisals): TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $155.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75104)	Federal Compliance - There is an invoice for a 2nd appraisal in the loan file plus there is a charge for a 2nd appraisal on the final Closing Disclosure. A copy of the 2nd appraisal is not located in the file.: There is an invoice for a 2nd appraisal in the loan file plus there is a charge for a 2nd appraisal on the final Closing Disclosure. A copy of the 2nd appraisal is not located in the file.	BUYER - GENERAL COMMENT (2018-12-05): What can I provide to clear this? REVIEWER - GENERAL COMMENT (2018-12-07): Loan is HPML non compliant due to missing 2nd appraisal on flipped property, XXX has waived that exception therefore this exception is referred to XXX for review and disposition. BUYER - GENERAL COMMENT (2018-12-13): Waived REVIEWER - WAIVED COMMENT (2018-12-14): The buyer has elected to waive this exception BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-07): Remedy has been provided on this with the $155 principal reduction applied on the payment history and the revised CD delivered to the borrowers - all has been uploaded prior REVIEWER - GENERAL COMMENT (2018-12-07): This is not an exception. Just a notation that a sufficient cure was provided to the borrower. BUYER - GENERAL COMMENT (2018-12-27): Acknowledged REVIEWER - WAIVED COMMENT (2018-12-27): Buyer accepted the exceptions	TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001420			2	[2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/11/XX/2016) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $184.00 exceeds tolerance of $154.00 plus 10% or $169.40. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $105.88 exceeds tolerance of $50.00. Insufficient or no cure was provided to the borrower. (7520) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2016) [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. [1] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided on 10/XX/2016 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/10/XX/2016)	Federal Compliance - Affiliated business disclosure is dated and signed 10/XX, however, application was taken by telephone on 10/XX.: Affiliated business disclosure is dated and signed 10/XX, however, application was taken by telephone on 10/XX. Federal Compliance - Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing: Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing Federal Compliance - Missing evidence that the borrower was provided the home loan toolkit within 3 business days of application (10/7).: Missing evidence that the borrower was provided the home loan toolkit within 3 business days of application (10/7). Federal Compliance - The file contains only the final closing disclosure, missing evidence the borrower was provided an initial disclosure at least 3 business days prior to closing: The file contains only the final closing disclosure, missing evidence the borrower was provided an initial disclosure at least 3 business days prior to closing Federal Compliance - The only e-consent provided was dated 11/XX/16 and initial disclosures were provided prior to that time.: The only e-consent provided was dated 11/XX/16 and initial disclosures were provided prior to that time. Federal Compliance - Ten Percent Fee Tolerance exceeded. Total amount of $184.00 (including release fees paid by the seller) exceeds tolerance of $154.00 plus 10% or $169.40. Insufficient or no cure was provided to the borrower.: Ten Percent Fee Tolerance exceeded. Total amount of $184.00 (including release fees paid by the seller) exceeds tolerance of $154.00 plus 10% or $169.40. Insufficient or no cure was provided to the borrower. Federal Compliance - Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $105.88 exceeds tolerance of $50.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $105.88 exceeds tolerance of $50.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.	BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-05): Waived REVIEWER - WAIVED COMMENT (2018-12-06): Buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450001419			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $122.00 exceeds tolerance of $80.00 plus 10% or $88.00. Insufficient or no cure was provided to the borrower. (0) [1] Federal Compliance - TRID Closing Disclosure Total Closing Costs Exceeds Limits Amount: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on 06/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Initial/06/XX/2017) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2017)	Federal Compliance - The FHA loan had a foreclosure in 7/XX/2016, seasoning requirements were not met.: The FHA loan had a foreclosure in 7/XX/2016, seasoning requirements were not met. Federal Compliance - Verified documents in file; lender correspondence confirms reason for Insuring reject.: Verified documents in file; lender correspondence confirms reason for Insuring reject. Federal Compliance - No additional documentation is required based on DU findings. However since the loan is no longer salable to agency additional income documentation would be required: No additional documentation is required based on DU findings. However since the loan is no longer salable to agency additional income documentation would be required Federal Compliance - Verified final CD 06/XX/2017.: Verified final CD 06/XX/2017. Federal Compliance - The Final CD did not disclose the 10% tolerance violation ($42).: The Final CD did not disclose the 10% tolerance violation ($42). Federal Compliance - There is no evidence of a cure provided to the borrower for the $42 recording fee tolerance violation.: There is no evidence of a cure provided to the borrower for the $42 recording fee tolerance violation.	BUYER - GENERAL COMMENT (2018-12-27): Waived REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-27): Waived REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-27): Waived REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-27): Waived REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-27): Waived REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-27): Waived REVIEWER - WAIVED COMMENT (2018-12-27): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001418			2	[2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	Federal Compliance - Loan Originator Compensation disclosure was not provided: Loan Originator Compensation disclosure was not provided	BUYER - GENERAL COMMENT (2018-12-06): Waived REVIEWER - WAIVED COMMENT (2018-12-07): Buyer has elected to waive this exception.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001417			1	[1] State Compliance - North Carolina Rate Spread Threshold Test Compliant: North Carolina Rate Spread Home Loan: APR on subject loan of 5.96340% or Final Disclosure APR of 6.02000% is in excess of allowable threshold of APOR 4.09% + 1.5%, or 5.59000%. Compliant Rate Spread Home Loan. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/03/XX/2018)	Federal Compliance - Home Loan Toolkit not provided.: Home Loan Toolkit not provided. Federal Compliance - Seller CD is incomplete (missing page 2).: Seller CD is incomplete (missing page 2).	BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-11): Waived REVIEWER - WAIVED COMMENT (2018-12-12): The buyer has elected to waive this exception.	There is no Assignee Liability. However, note that a loan that violates the provisions on rate spread home loans will be declared usurious. Thus, the terms of loans held by an assignee could be affected in certain circumstances TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001416			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Federal Compliance - Mavent report in file does not reflect Higher Priced based on APOR of 4.61% plus a Margin of 1.15% plus the annual MIP of .85%, or 6.61%. The calculated value was based on APOR of 4.61% plus a margin of 1.5% or 6.11%.: Mavent report in file does not reflect Higher Priced based on APOR of 4.61% plus a Margin of 1.15% plus the annual MIP of .85%, or 6.61%. The calculated value was based on APOR of 4.61% plus a margin of 1.5% or 6.11%. Federal Compliance - Credit report expired at time of closing.: Credit report expired at time of closing.	BUYER - GENERAL COMMENT (2018-12-12): Waived REVIEWER - WAIVED COMMENT (2018-12-13): The buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2018-12-12): Expired Credit Report considered when accepted bid - attached LOX - please waive REVIEWER - GENERAL COMMENT (2018-12-13): Exception is being referred to buyer for review and disposition. REVIEWER - WAIVED COMMENT (2019-01-09): Buyer waived exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001415			1								-
1450001414			1	[1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.		BUYER - GENERAL COMMENT (2018-12-18): Waived REVIEWER - WAIVED COMMENT (2018-12-19): The buyer has elected to waive this exception.					-
1450001413			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 06/XX/2018 received on or after the date the Closing Disclosure 7/XX/2018 12:00:00 AM was received. (Interim/06/XX/2018)	Federal Compliance - Loan is no longer FHA eligible - please advise which guidelines are applicable: Loan is no longer FHA eligible - please advise which guidelines are applicable Federal Compliance - Subject loan is not eligible to be insured or guaranteed by FHA. Please advise which guidelines are applicable: Subject loan is not eligible to be insured or guaranteed by FHA. Please advise which guidelines are applicable Federal Compliance - The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt.: The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt. Federal Compliance - There is no confirmation of when the borrower received the Loan Estimate in the file.: There is no confirmation of when the borrower received the Loan Estimate in the file.	BUYER - GENERAL COMMENT (2018-12-28): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-28): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-28): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-28): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001412			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Home Loan Toolkit was not found in the loan file: Home Loan Toolkit was not found in the loan file Federal Compliance - Total Sellers Fees list on Sellers Closing Disclosure did not reflect Home Warranty fee of $420.00: Total Sellers Fees list on Sellers Closing Disclosure did not reflect Home Warranty fee of $420.00	BUYER - GENERAL COMMENT (2018-12-28): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-28): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-28): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.	TILA - 1yr affirmative.			Out	TILA ATR/QM
1450001411			1								-
1450001410			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower. [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided	Miscellaneous Compliance - Only page one is provided.: Only page one is provided. Federal Compliance - Page one is provided.: Page one is provided.	BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. The Act does not appear to provide for assignee liability.			Out	TILA ATR/QM
1450001409			2	[2] Federal Compliance - ARM Disclosure Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/07/XX/2014) [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application. [2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely): Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application. [1] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided. [1] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.	Federal Compliance - Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.: Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided. Federal Compliance - List of Homeownership Counseling Organizations was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.: List of Homeownership Counseling Organizations was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14. Federal Compliance - HUD Settlement Cost Booklet was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.: HUD Settlement Cost Booklet was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14. Federal Compliance - Servicing Disclosure Statement was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.: Servicing Disclosure Statement was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14. Federal Compliance - Right to Receive Copy of appraisal was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.: Right to Receive Copy of appraisal was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14. State Compliance - Washington HB 2770 was not provided to borrowers.: Washington HB 2770 was not provided to borrowers.	BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. The Act does not appear to provide for assignee liability. There is generally no Assignee Liability. There is generally no Assignee Liability. TILA - subject to a 1 year SOL for affirmative claims under TILA TILA - subject to a 1 year SOL for affirmative claims under TILA TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450001408			1								-
1450001407			1								-
1450001406			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/06/XX/2016) [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,762.33 may be required. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016) [1] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/2049028) [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure.	Federal Compliance - Unable to determine loan designation from documents in the file.: Unable to determine loan designation from documents in the file. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Unable to locate in the file.: Unable to locate in the file. Federal Compliance - Missing documentation evidencing full two year employment history for borrower and missing evidence of borrower and co-borrower's self-employment.: Missing documentation evidencing full two year employment history for borrower and missing evidence of borrower and co-borrower's self-employment. Federal Compliance - Unable to locate in the file.: Unable to locate in the file. Federal Compliance - Missing evidence of disclosure.: Missing evidence of disclosure. Federal Compliance - Missing evidence of disclosure.: Missing evidence of disclosure. Federal Compliance - Missing evidence CD was provided less than 6 days (5/XX/16) prior to closing and was not received at least 3 days (6/XX/16) prior to closing.: Missing evidence CD was provided less than 6 days (5/XX/16) prior to closing and was not received at least 3 days (6/XX/16) prior to closing. Federal Compliance - Missing evidence of initial Loan Estimate disclosure.: Missing evidence of initial Loan Estimate disclosure. Federal Compliance - Missing evidence of disclosure.: Missing evidence of disclosure.	BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-07): Waived REVIEWER - WAIVED COMMENT (2019-01-08): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001399			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $4,109.49 on Final Closing Disclosure provided on 10/XX/2018 not accurate. (Final/10/XX/2018) [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/10/XX/2018) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,145.00 exceeds tolerance of $275.00 plus 10% or $302.50. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7517) [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 10/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/10/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018)	Federal Compliance - Due to defect reason loan is not longer agency salabel: Due to defect reason loan is not longer agency salabel Federal Compliance - Closing Date on Final CD is 10/XX/2018 however actual Closing Date and date Final CD signed is 10/XX/2018: Closing Date on Final CD is 10/XX/2018 however actual Closing Date and date Final CD signed is 10/XX/2018 Federal Compliance - CD Payment Stream indicates Mortgage Insurance is escrowed however MI is not shown under Sch G. Initial Escrow Payment at Closing: CD Payment Stream indicates Mortgage Insurance is escrowed however MI is not shown under Sch G. Initial Escrow Payment at Closing Federal Compliance - CD Payment Stream indicates Mortgage Insurance is escrowed however MI is not shown under Sch G. Initial Escrow Payment at Closing: CD Payment Stream indicates Mortgage Insurance is escrowed however MI is not shown under Sch G. Initial Escrow Payment at Closing Federal Compliance - Amount listed is sufficient - additional fees paid on Seller CD being included in violation calculation: Amount listed is sufficient - additional fees paid on Seller CD being included in violation calculation Federal Compliance - Inaccurate calculation including Seller paid fees: Inaccurate calculation including Seller paid fees Federal Compliance - Cure provided on Final Closing Disclosure: Cure provided on Final Closing Disclosure	BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. REVIEWER - CURED COMMENT (2018-12-28): Curee provided at closing. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2018-12-24): Waived REVIEWER - WAIVED COMMENT (2018-12-24): The buyer has elected to waive this exception.	TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450001398			1								-
1450001397			1	[1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.		BUYER - GENERAL COMMENT (2018-12-30): Waived REVIEWER - WAIVED COMMENT (2018-12-31): The buyer has elected to waive this exception.					-
1450000818			2	[2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/2203056)	Federal Compliance - Missing complete verification of two years of employment history: Missing complete verification of two years of employment history	BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception.					-
1450000817			1	[1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/09/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure Negative Fees: TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 09/XX/2018 disclosed a negative fee amount. (Final/09/XX/2018)	Federal Compliance - Final disclosure reflects a closing date of 09/XX/2018, was executed by the borrower on 09/XX/2018, file contains a post closing disclosure with the accurate closing/funding date: Final disclosure reflects a closing date of 09/XX/2018, was executed by the borrower on 09/XX/2018, file contains a post closing disclosure with the accurate closing/funding date Federal Compliance - Section H of the final disclosure reflects a negative fee of $40.00 for Title-Owner's Title Insurance: Section H of the final disclosure reflects a negative fee of $40.00 for Title-Owner's Title Insurance	BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-18): The buyer has elected to waive this exception.	TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000816			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (XXX XXX/Pension) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,377.50 exceeds tolerance of $1,378.00. Insufficient or no cure was provided to the borrower. (7591) [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/XX/2017 disclosed a Closing Date that did not match the actual date of consummation. (Final/07/XX/2017) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017)	Federal Compliance - Missing income documentation for Pension.: Missing income documentation for Pension. Federal Compliance - Missing Award Letter for retirement income.: Missing Award Letter for retirement income. Federal Compliance - Missing the award letter.: Missing the award letter. Federal Compliance - Final CD disclosed a closing date of 7/XX/17. Consummation date is 7/XX/17.: Final CD disclosed a closing date of 7/XX/17. Consummation date is 7/XX/17. Federal Compliance - Cure for lender credit of $245.47 was not provided.: Cure for lender credit of $245.47 was not provided. Federal Compliance - Fee disclosed as $3378.00 on LE dated 03/XX/2017, but disclosed as $3377.50 on Final Closing Disclosure.: Fee disclosed as $3378.00 on LE dated 03/XX/2017, but disclosed as $3377.50 on Final Closing Disclosure.	BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-18): Waived REVIEWER - WAIVED COMMENT (2019-01-22): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000815			1								-
1450000814			1								-
1450000813			2	[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $281.00 plus 10% or $309.10. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,296.48 exceeds tolerance of $1,431.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $435.00 exceeds tolerance of $430.00. Insufficient or no cure was provided to the borrower. (7506) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2016)	Federal Compliance - Cure for various 0% and 10% tolerance violations was not provided.: Cure for various 0% and 10% tolerance violations was not provided. Federal Compliance - $65.90 violation due to increase in recording fees. No evidence of cure.: $65.90 violation due to increase in recording fees. No evidence of cure. Federal Compliance - Erroneous Reg ID 3060. This fee was seller paid, and is customarily paid by Seller in the state of NY.: Erroneous Reg ID 3060. This fee was seller paid, and is customarily paid by Seller in the state of NY. Federal Compliance - Fee disclosed as $430 on LE dated 08/XX/18, but disclosed as $435 on Final Closing Disclosure. A cure was not provided at closing and a Post Consummation CD was not provided.: Fee disclosed as $430 on LE dated 08/XX/18, but disclosed as $435 on Final Closing Disclosure. A cure was not provided at closing and a Post Consummation CD was not provided.	BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000812			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $60.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $455.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7561) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $10.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7531) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $3.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75228) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $10.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $525.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $499.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $158.13 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,253.75 exceeds tolerance of $1,253.00. Insufficient or no cure was provided to the borrower. (7567) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2016) [1] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided on 08/XX/2016 was electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to $3,390.33. (Initial/08/XX/2016)	Federal Compliance - There was a fee tolerance violation without a valid changed circumstance or cure. The final closing disclosure did not disclose a dollar amount by which the total closing costs exceed the legal limit.: There was a fee tolerance violation without a valid changed circumstance or cure. The final closing disclosure did not disclose a dollar amount by which the total closing costs exceed the legal limit. Federal Compliance - Disclosure summary provided in file indicates online delivery of loan estimates prior to 9/XX/16, the date the e-consent option was accepted.: Disclosure summary provided in file indicates online delivery of loan estimates prior to 9/XX/16, the date the e-consent option was accepted. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.: Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes. Federal Compliance - The Title - Lender's Title Insurance fee increased without a valid change of circumstance or sufficient cure.: The Title - Lender's Title Insurance fee increased without a valid change of circumstance or sufficient cure.	BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.	Borrower has job stability for 5+ years as an XXX and experience working part time jobs concurrent with primary self employment.			-
1450000811		BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.	2	[2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 01/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/01/XX/2017) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $739.73 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2017) [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 01/XX/2017 received on or after the date the Closing Disclosure 2/XX/2017 12:00:00 AM was received. (Interim/01/XX/2017)	Federal Compliance - Cure for appraisal of $739.73 was not provided.: Cure for appraisal of $739.73 was not provided. Federal Compliance - LE on 1/XX/2017 not received by borrower at least four (4) business days prior to closing.: LE on 1/XX/2017 not received by borrower at least four (4) business days prior to closing. Federal Compliance - Fee was not disclosed on the LE.: Fee was not disclosed on the LE.	BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000810			1								-
1450000809			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $860.59 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77187) [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017)	Federal Compliance - There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation.: There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation. Federal Compliance - Final Closing Disclosure provided on 05/XX/2017 did not disclose an amount by which the Total Closing Costs exceeded the legal limit for the Survey fee of $860.59.: Final Closing Disclosure provided on 05/XX/2017 did not disclose an amount by which the Total Closing Costs exceeded the legal limit for the Survey fee of $860.59. Federal Compliance - The most recent LE reflects Survey fee of $0; the Final CD reflects $860.59. Missing proof of valid change of circumstance and no cure was provided to the borrower.: The most recent LE reflects Survey fee of $0; the Final CD reflects $860.59. Missing proof of valid change of circumstance and no cure was provided to the borrower.	BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000808			3	[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (Loan Not Closed At Office of Lender, Attorney, or Title Company): Texas Constitution Section 50(a)(6): Unable to determine if loan was closed an an authorized location due to missing documentation. [2] Federal Compliance - TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/05/XX/2018) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 05/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/05/XX/2018)	State Compliance - Evidence of signing location was not provided in the loan file.: Evidence of signing location was not provided in the loan file. Federal Compliance - Evidence of receipt is not in the loan file.: Evidence of receipt is not in the loan file. Federal Compliance - Evidence of receipt is not in the loan file.: Evidence of receipt is not in the loan file.	BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-23): Waived REVIEWER - WAIVED COMMENT (2019-01-24): The buyer has elected to waive this exception.	Assignee Liability: The lender or any holder of the note shall forfeit all principal and interest of the extension of credit if the lender or holder (1) fails to comply with the lender's or holder's obligations under the extension of credit and (2) fails to correct the failure to comply not later than the 60th day after the date the lender or holder is notified by the borrower of the failure to comply. The lender or any holder of the note for the extension of credit shall forfeit all principal and interest if the extension is made by a person other than a person described or if the lien was not created under a written agreement with the consent of each owner and each owner's spouse, unless each owner and each owner's spouse who did not initially consent subsequently consents. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	State - NC
1450000807			1								-
1450000806			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Federal Compliance - Loan file was missing documents required to prove receipt of SSI dependent income and odes not meet QM requirements. .Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan file was missing documents required to prove receipt of SSI dependent income and odes not meet QM requirements. .Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable.	BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000805			2	[2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $142.70 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $54.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $10.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7531) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certification Fee. Fee Amount of $18.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75175) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $592.32 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,892.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Tax Status Research Fee. Fee Amount of $70.85 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77235) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $650.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77136) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2017) [1] Federal Compliance - TRID Loan Estimate Esign Consent Agreement Timing: ESIGN Act - Loan Estimate provided on 08/XX/2017 was electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to $5,975.37. (Initial/08/XX/2017) [1] Federal Compliance - TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure.	Federal Compliance - Missing evidence borrower was provided a copy of the LO Compensation Disclosure at time of application.: Missing evidence borrower was provided a copy of the LO Compensation Disclosure at time of application. Federal Compliance - The amount of 0% and 10% tolerance violations was not disclosed on the Final CD.: The amount of 0% and 10% tolerance violations was not disclosed on the Final CD. Federal Compliance - The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.: The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes. Federal Compliance - Missing evidence borrower was provided the Servicing Disclosure.: Missing evidence borrower was provided the Servicing Disclosure. Federal Compliance - The Initial LE was sent electronically on 8/XX/17, and the e-consent was not provided until 8/XX/17; LE cannot be use to set baseline. Ten percent fee violation of $25.00.: The Initial LE was sent electronically on 8/XX/17, and the e-consent was not provided until 8/XX/17; LE cannot be use to set baseline. Ten percent fee violation of $25.00. Federal Compliance - The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.: The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes. Federal Compliance - The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.: The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes. Federal Compliance - The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.: The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes. Federal Compliance - The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.: The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes. Federal Compliance - The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.: The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes. Federal Compliance - The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.: The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes. Federal Compliance - There was no VCC for the increase in the Transfer Tax by $3,127.00, from $765.00 to $3,892.00. Exception fired due to addition of seller paid fees. Referred to buyer for final review and disposition: There was no VCC for the increase in the Transfer Tax by $3,127.00, from $765.00 to $3,892.00. Exception fired due to addition of seller paid fees. Referred to buyer for final review and disposition Federal Compliance - The Property Tax Status Research Fee of $70.85 was not disclosed on the Initial LE and there was no valid COC.: The Property Tax Status Research Fee of $70.85 was not disclosed on the Initial LE and there was no valid COC. Federal Compliance - The Processing Fee of $650.00 was not disclosed on the Initial LE and there was no valid COC.: The Processing Fee of $650.00 was not disclosed on the Initial LE and there was no valid COC.	BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000804			1								-
1450000803			2	[2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,122.56 on Final Closing Disclosure provided on 10/XX/2017 not accurate. (Final/10/XX/2017) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $29.85 exceeds tolerance of $11.00. Insufficient or no cure was provided to the borrower. (7520) [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/10/XX/2017) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2017)	Federal Compliance - Per final CD, the calculated finance charge was $219.68 over disclosed.: Per final CD, the calculated finance charge was $219.68 over disclosed. Federal Compliance - Per tax bill, the annual taxes for the subject is $1,799.91 and the annual HOI premium is $3,106.35 totaling $4,906.26 vs. $5,122.56 reflected on the final CD.: Per tax bill, the annual taxes for the subject is $1,799.91 and the annual HOI premium is $3,106.35 totaling $4,906.26 vs. $5,122.56 reflected on the final CD. Federal Compliance - Final CD did not reflect any amount by which the total closing costs exceeded the legal limit.: Final CD did not reflect any amount by which the total closing costs exceeded the legal limit. Federal Compliance - Lender provided a credit of $500 on the final CD.: Lender provided a credit of $500 on the final CD.	BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000802			1	[1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/11/XX/2017)	Federal Compliance - The CD reported 77.097% and the calculated TIP was 77.109%, due to a minor over disclosure of finance charges ($6.89): The CD reported 77.097% and the calculated TIP was 77.109%, due to a minor over disclosure of finance charges ($6.89) Federal Compliance - The CD shows a lump sum seller credit and an itemization was not provided.: The CD shows a lump sum seller credit and an itemization was not provided.	BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-28): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000801			2	[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $313.00 exceeds tolerance of $88.00 plus 10% or $96.80. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $123.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7702) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $147.61 exceeds tolerance of $119.00. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,131.58 exceeds tolerance of $654.41. Insufficient or no cure was provided to the borrower. (7200) [1] Federal Compliance - TRID Final Closing Disclosure Optional Fees: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed Optional fees in a section other than Section H. (Final/06/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018)	Federal Compliance - Seller's Final CD reflected Title Owner's Insurance Policy (optional) in section C.: Seller's Final CD reflected Title Owner's Insurance Policy (optional) in section C. Federal Compliance - CD does not indicate an amount that exceeded the legal limit.: CD does not indicate an amount that exceeded the legal limit. Federal Compliance - Increase in recording fees on final CD to 313.00 from 88.00 on initial LE.: Increase in recording fees on final CD to 313.00 from 88.00 on initial LE. Federal Compliance - Seller CD reflects a Disaster Inspection fee of $123.95 that was not initially disclosed.No VCC for valid increase: Seller CD reflects a Disaster Inspection fee of $123.95 that was not initially disclosed.No VCC for valid increase Federal Compliance - CD dated 4/XX/18 reflects a credit report fee of $119.07 yet final CD shows $147.61.No VCC for valid increase: CD dated 4/XX/18 reflects a credit report fee of $119.07 yet final CD shows $147.61.No VCC for valid increase Federal Compliance - CD dated 4/XX/18 reflected a discount points of $654.41 yet final CD shows $2,131.58. No VCC for valid increase: CD dated 4/XX/18 reflected a discount points of $654.41 yet final CD shows $2,131.58. No VCC for valid increase	BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000800			2	[2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 1,682.16 on Final Closing Disclosure provided on 03/XX/2018 not accurate. (Final/03/XX/2018) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/676258) [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/676258) [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/03/XX/2018) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $90.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7713) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for VA Funding Fee. Fee Amount of $2,564.00 exceeds tolerance of $209.00. Insufficient or no cure was provided to the borrower. (7593) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $777.00 exceeds tolerance of $389.00. Insufficient or no cure was provided to the borrower. (7325) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,404.62 exceeds tolerance of $1,206.58. Insufficient or no cure was provided to the borrower. (7200) [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/03/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure Property Value: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/03/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2018)	Federal Compliance - The annual insurance premium amount from policy is $842.63. However, Page 2, Section F of final CD reflects borrower paid $842.63 before closing and is also being charged $740.13 for 12 months.: The annual insurance premium amount from policy is $842.63. However, Page 2, Section F of final CD reflects borrower paid $842.63 before closing and is also being charged $740.13 for 12 months. Federal Compliance - The HOI amount on final CD is incorrect.: The HOI amount on final CD is incorrect. Federal Compliance - The HOI amount on final CD is incorrect.: The HOI amount on final CD is incorrect. Federal Compliance - Final Closing Disclosure provided on 03/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation: Final Closing Disclosure provided on 03/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation Federal Compliance - Final Closing Disclosure provided on 03/XX/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. Per policy 70.22 a months final CD 61.68.: Final Closing Disclosure provided on 03/XX/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. Per policy 70.22 a months final CD 61.68. Federal Compliance - Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2 due to difference of HOI monthly of 8.54: Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2 due to difference of HOI monthly of 8.54 Federal Compliance - An amount was not disclosed on the final Closing Disclosure as a cure for under disclosure of fees.: An amount was not disclosed on the final Closing Disclosure as a cure for under disclosure of fees. Federal Compliance - The Pest Inspection fee was not disclosed on the Loan Estimate, but included on the final Closing Disclosure without disclosure of a cure.: The Pest Inspection fee was not disclosed on the Loan Estimate, but included on the final Closing Disclosure without disclosure of a cure. Federal Compliance - The VA Funding Fee was disclosed on the Loan Estimate at $209, but increased to $2,564 on the final Closing Disclosure without disclosure of a cure.: The VA Funding Fee was disclosed on the Loan Estimate at $209, but increased to $2,564 on the final Closing Disclosure without disclosure of a cure. Federal Compliance - The Loan Origination Fee was disclosed on the Loan Estimate at $389, but increased to $777 on the final Closing Disclosure without disclosure of a cure.: The Loan Origination Fee was disclosed on the Loan Estimate at $389, but increased to $777 on the final Closing Disclosure without disclosure of a cure. Federal Compliance - The Loan Discount Points were disclosed on the Loan Estimate at $1,206.58, but increased to $1,404.62 on the final Closing Disclosure without disclosure of a cure.: The Loan Discount Points were disclosed on the Loan Estimate at $1,206.58, but increased to $1,404.62 on the final Closing Disclosure without disclosure of a cure.	BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.	TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000799			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/03/XX/2018) [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XXX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or XXX%).	Federal Compliance - Documentation in file shows appraisal report was provided to the borrower on 1/XX/18 yet copy in file is dated 3/XX/18 which is after the date of closing on 2/XX/18.: Documentation in file shows appraisal report was provided to the borrower on 1/XX/18 yet copy in file is dated 3/XX/18 which is after the date of closing on 2/XX/18. Federal Compliance - XXX: XXX	BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.					-
1450000798			1	[1] Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for Duplicate bill under Prepaids. (Final/03/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/03/XX/2018)	Federal Compliance - Number of months for $5 duplicate bill fee was not disclosed.: Number of months for $5 duplicate bill fee was not disclosed. Federal Compliance - The reported TIP is 71.659% per CD calculated is 71.648: The reported TIP is 71.659% per CD calculated is 71.648	BUYER - GENERAL COMMENT (2019-01-30): Waived REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-30): Waived REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000797			2	[2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 05/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/05/XX/2018) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,154.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $104.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,095.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $750.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2018) [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $9,869.00 and disclosure timing violations. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018) [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 05/XX/2018 received on or after the date the Closing Disclosure 5/XX/2018 12:00:00 AM was received. (Interim/05/XX/2018)	Federal Compliance - Evidence of earlier borrower receipt was not provided.: Evidence of earlier borrower receipt was not provided. Federal Compliance - Rate lock document was not in the file.: Rate lock document was not in the file. Federal Compliance - Esign consent was not in the file.: Esign consent was not in the file. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - This document was not provided in the file.: This document was not provided in the file. Federal Compliance - Evidence of earlier borrower receipt was not provided.: Evidence of earlier borrower receipt was not provided. Federal Compliance - Evidence of earlier borrower receipt was not provided.: Evidence of earlier borrower receipt was not provided. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly. Federal Compliance - Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.: Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.	BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Acknowledged REVIEWER - WAIVED COMMENT (2019-01-29): Buyer accepted the exceptions BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Acknowledged REVIEWER - WAIVED COMMENT (2019-01-29): Buyer accepted the exceptions BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Acknowledged REVIEWER - WAIVED COMMENT (2019-01-29): Buyer accepted the exceptions BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-28): Waived REVIEWER - WAIVED COMMENT (2019-01-29): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000796			1								-
1450000795			1								-
1450000794			1								-
1450000793			3	[3] State Compliance - New Mexico Home Loan (Ability to Repay not Verified): New Mexico Home Loan: Borrower's ability to repay not verified with reliable documentation. [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XXX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or XXX%). [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [1] Federal Compliance - TRID Final Closing Disclosure Property Value: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/XX/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/09/XX/2018)	State Compliance - New Mexico Ability to Repay confirmation missing.: New Mexico Ability to Repay confirmation missing. Federal Compliance - XXX: XXX Federal Compliance - Lender is the same creditor that was paid off at closing yet Right to Cancel form H-8 was used vs. H-9 required.: Lender is the same creditor that was paid off at closing yet Right to Cancel form H-8 was used vs. H-9 required. Federal Compliance - Final CD reflected an appraised value of $XXX yet appraisal in file reflected a value of $XXX.: Final CD reflected an appraised value of $XXX yet appraisal in file reflected a value of $XXX.	BUYER - GENERAL COMMENT (2019-01-30): Waived REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-30): Waived REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-30): Waived REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-30): Waived REVIEWER - WAIVED COMMENT (2019-01-30): The buyer has elected to waive this exception.	Assignee Liability: Purchasers and assignees are subject to all affirmative claims and any defenses that the borrower could assert against the original creditor. In addition, because the Act provides that a violation of the Act constitutes an unfair or deceptive trade practice pursuant to the Unfair Practices Act, creditors and their assignees would presumably also be subject to the penalty provision of that law. A borrower acting only in an individual capacity may assert against the creditor or any subsequent holder or assignee of a home loan at any time during the term of the loan, any defense, claim or counterclaim, or action to enjoin foreclosure or to preserve or obtain possession of the dwelling that secures the loan, including but not limited to a violation of the Act, after an action to collect on the home loan or foreclose on the collateral securing the home loan has been initiated or the debt arising from the home loan has been accelerated or the home loan has become sixty days in default The Act provides for punitive damages for malicious or reckless violations. Damages may include: actual damages, including consequential and incidental damages; (ii) statutory damages equal to two times the finance charge paid under the loan and forfeiture of the remaining interest under the loan; (iii) punitive damages, when the violation is malicious or reckless; (iv) costs and reasonable attorneys’ fees; and (v) injunctive, declaratory and other equitable relief as the court deems appropriate. TILA - 1yr affirmative TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	State - NC
1450000792			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) – Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2017 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/05/XX/2017) [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017) [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/05/XX/2017)	Federal Compliance - Due to defect reason loan is no longer salable to agency therefore QM designation does not match.: Due to defect reason loan is no longer salable to agency therefore QM designation does not match. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Did not evidence in loan file date appraisal was sent to borrower or signed disclosure from borrower confirming receipt of the appraisal.: Did not evidence in loan file date appraisal was sent to borrower or signed disclosure from borrower confirming receipt of the appraisal. Federal Compliance - $778 of the initial escrow payment was paid by the lender: $778 of the initial escrow payment was paid by the lender Federal Compliance - Missing the Sellers CD.: Missing the Sellers CD.	BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000791			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. (XXX/2227760) [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/2227759) [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-5,000.00. (9300) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,476.00 exceeds tolerance of $1,972.00 plus 10% or $2,169.20. Insufficient or no cure was provided to the borrower. (0) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,169.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7727) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Release Tracking Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77210) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77190) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Copy Or Fax Fee. Fee Amount of $22.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77172) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018)	Federal Compliance - Loan designation selected from Mavent Compliance Report.: Loan designation selected from Mavent Compliance Report. Federal Compliance - Not insurable by FHA as a new appraisal with updated FHA case number not located in the loan file.: Not insurable by FHA as a new appraisal with updated FHA case number not located in the loan file. Federal Compliance - DTI is within allowable debt ratio; however FHA case number originally cancelled and no new appraisal with updated case number located in loan file.: DTI is within allowable debt ratio; however FHA case number originally cancelled and no new appraisal with updated case number located in loan file. Federal Compliance - Missing VVOE for primary borrower for former employer, unable to confirm 2 years of employment history: Missing VVOE for primary borrower for former employer, unable to confirm 2 years of employment history Federal Compliance - The loan file did not provide specific employment dates; however a two year requirement was satisfied as the loan file contained three years of W2 information.: The loan file did not provide specific employment dates; however a two year requirement was satisfied as the loan file contained three years of W2 information. Federal Compliance - The Final Closing Disclosure failed to provide a dollar amount by which total closing costs were exceeded.: The Final Closing Disclosure failed to provide a dollar amount by which total closing costs were exceeded. Federal Compliance - A Letter disclosing the $5000 error in Lender Credit was provided to the borrower on 11/XX/18 date; the letter indicated that the amount had been applied to a principal reduction and that a CD reflecting the changes (p.3 Sec. K) was also included.: A Letter disclosing the $5000 error in Lender Credit was provided to the borrower on 11/XX/18 date; the letter indicated that the amount had been applied to a principal reduction and that a CD reflecting the changes (p.3 Sec. K) was also included. Federal Compliance - The loan file did not contain a cure in the amount of $504 for exceeding the 10% tolerance.: The loan file did not contain a cure in the amount of $504 for exceeding the 10% tolerance. Federal Compliance - The loan file did not contain a cure in the amount of $1,169 for exceeding the tolerance for the Transfer Tax . Exception fired due to addition of seller paid fees; referred to buyer for final review and disposition: The loan file did not contain a cure in the amount of $1,169 for exceeding the tolerance for the Transfer Tax . Exception fired due to addition of seller paid fees; referred to buyer for final review and disposition Federal Compliance - The loan file did not contain a cure in the amount of $100 for exceeding the tolerance for the Title- Exam fee.: The loan file did not contain a cure in the amount of $100 for exceeding the tolerance for the Title- Exam fee. Federal Compliance - The loan file did not contain a cure in the amount of $150 for exceeding the tolerance for the Release Tracking fee.: The loan file did not contain a cure in the amount of $150 for exceeding the tolerance for the Release Tracking fee. Federal Compliance - The loan file did not contain a cure in the amount of $10 for exceeding the tolerance for the Title- Wire/Funding/Disbursement fee.: The loan file did not contain a cure in the amount of $10 for exceeding the tolerance for the Title- Wire/Funding/Disbursement fee. Federal Compliance - The loan file did not contain a cure in the amount of $22 for exceeding the tolerance for the Title-Copy/Fax fee.: The loan file did not contain a cure in the amount of $22 for exceeding the tolerance for the Title-Copy/Fax fee.	BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000790			1	[1] State Compliance - Michigan CMPA Home Loan Toolkit Status: Michigan Consumer Mortgage Protection Act: Home Loan Toolkit not provided to borrower.	State Compliance - Disclosure was not evidenced in loan file.: Disclosure was not evidenced in loan file.	BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.	TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.				-
1450000789			2	[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 07/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interim/07/XX/2018) [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 08/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Interim/08/XX/2018) [2] Federal Compliance - TRID Interim Closing Disclosure Timing: TILA-RESPA Integrated Disclosure – Corrected Closing Disclosure provided on 08/XX/2018 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/XX/20/2018) [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $36.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7580)	Federal Compliance - The loan file contained two CD's without actual Provided dates.: The loan file contained two CD's without actual Provided dates. Federal Compliance - The loan file contained two CD's without actual Provided dates.: The loan file contained two CD's without actual Provided dates. Federal Compliance - Captured as disclosed, $136.59 - insufficient cure for overages.: Captured as disclosed, $136.59 - insufficient cure for overages. Federal Compliance - The CD reflecting the change in APR was not provided to the borrower within three business days of closing.: The CD reflecting the change in APR was not provided to the borrower within three business days of closing.	BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-06): This was not picked up by AMC on our review, we cannot cure. REVIEWER - GENERAL COMMENT (2019-02-07): Discrepancy due to CD issued prior to the final was an estimated CD with changes that were different than how loan closed. Interim CD was not provided to borrower at least 3 business days prior to closing. Condition remains. BUYER - GENERAL COMMENT (2019-02-08): Waived REVIEWER - WAIVED COMMENT (2019-02-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000788			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Rebuttable Presumption QM does not match Due Diligence Loan Designation of VA Safe Harbor QM. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2018 did not disclose number of months for Property Tax under Prepaids. (Final/05/XX/2018) [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. (Final/05/XX/2018) [1] Federal Compliance - VA Unverified Income IRRRL Cash Out at Closing: VA Qualified Mortgage (Dodd-Frank 2014) – This IRRRL loan with unverified income contains cash out at closing less than $500.00.	Federal Compliance - Designation as per the Compliance Report.: Designation as per the Compliance Report. Federal Compliance - Initial escrow account statement was not provided to the borrower.: Initial escrow account statement was not provided to the borrower. Federal Compliance - The Final CD did not disclose how many months of taxes were prepaid at closing.: The Final CD did not disclose how many months of taxes were prepaid at closing. Federal Compliance - The Final CD showed closing costs financed as $7,108.16 however the actual closing costs were $6,956.50.: The Final CD showed closing costs financed as $7,108.16 however the actual closing costs were $6,956.50. Federal Compliance - Cash back at closing without evidence of POC's or payoff escrow transfers.: Cash back at closing without evidence of POC's or payoff escrow transfers.	BUYER - GENERAL COMMENT (2019-02-07): Waived REVIEWER - WAIVED COMMENT (2019-02-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000787			2	[2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 05/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Initial/05/XX/2018) [1] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: Borrower’s ability to repay not verified with reliable documentation. [1] State Compliance - Ohio Consumer Sales Practices Act (Closing Disclosure Not Provided): Ohio Consumer Sales Practices Act: Consumer did not receive the required Closing Disclosure. [1] Federal Compliance - VA Unverified Income IRRRL Cash Out at Closing: VA Qualified Mortgage (Dodd-Frank 2014) – This IRRRL loan with unverified income contains cash out at closing less than $500.00.	State Compliance - Subject is a VA IRRRL non-credit qualifying loan.: Subject is a VA IRRRL non-credit qualifying loan. Federal Compliance - Closing Disclosure estimated to be provided on 05/XX/2018 did not disclose the actual Date Issued.: Closing Disclosure estimated to be provided on 05/XX/2018 did not disclose the actual Date Issued. Federal Compliance - Valid exception - the CD does not reflect any Lender paid fees or Borrower POC fees.: Valid exception - the CD does not reflect any Lender paid fees or Borrower POC fees.	BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-05): Waived REVIEWER - WAIVED COMMENT (2019-02-06): The buyer has elected to waive this exception.	The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000786			2	[2] Federal Compliance - ARM Disclosure Status: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower. [2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction: Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - First Adjustment Principal Payment Inaccurate: Truth in Lending Act (MDIA 2011): The "First Adjustment" principal payment on the Final TIL does not match the principal payment that may apply during the first rate adjustment of the loan. [1] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.	Federal Compliance - Only 1 GFE was provided dated 11/XX/2012 as a fixed rate.: Only 1 GFE was provided dated 11/XX/2012 as a fixed rate. Federal Compliance - Only 1 GFE was provided dated 11/XX/2012 as a fixed rate.: Only 1 GFE was provided dated 11/XX/2012 as a fixed rate. Federal Compliance - Change of Circumstance dated 04/XX/2013 - rate lock. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012.: Change of Circumstance dated 04/XX/2013 - rate lock. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012. Federal Compliance - Change of Circumstance dated 003/XX/2013 for loan amount and program. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012.: Change of Circumstance dated 003/XX/2013 for loan amount and program. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012. Federal Compliance - Change of Circumstance dated 03/XX/2013 for loan amount and program. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012.: Change of Circumstance dated 03/XX/2013 for loan amount and program. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012. Federal Compliance - Only 1 GFE was provided dated 11/XX/2012.: Only 1 GFE was provided dated 11/XX/2012.	BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-01-25): Waived REVIEWER - WAIVED COMMENT (2019-01-25): The buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - subject to a 1 year SOL for affirmative claims under TILA TILA - subject to a 1 year SOL for affirmative claims under TILA				-
1450000785			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/05/XX/2016) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of $35.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77211) [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2016)	Federal Compliance - Due to defect reason loan is no longer salable to agency, therefore Discrepancy in QM designation .: Due to defect reason loan is no longer salable to agency, therefore Discrepancy in QM designation . Federal Compliance - Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge of $XXX that does not match the actual finance charge of $XXX for the loan. The Itemization of Amounts Financed does not include the Origination Fee of $2,497.50.: Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge of $XXX that does not match the actual finance charge of $XXX for the loan. The Itemization of Amounts Financed does not include the Origination Fee of $2,497.50. Federal Compliance - Final Closing Disclosure provided on 05/XX/2016 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.: Final Closing Disclosure provided on 05/XX/2016 did not disclose an amount by which the Total Closing Costs exceeded the legal limit. Federal Compliance - Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee Amount of $35.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided.: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee Amount of $35.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided. Federal Compliance - Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges.: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges.	BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Cleared REVIEWER - WAIVED COMMENT (2019-02-06): Buyer accepted the issues. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000784			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.	Federal Compliance - Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines: Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines	BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000783			1	[1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.	Federal Compliance - Right to Receive Appraisal Disclosed ob LE dated 07/XX/2016.: Right to Receive Appraisal Disclosed ob LE dated 07/XX/2016.	BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.	There is generally no Assignee Liability.				-
1450000782			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/05/XX/2018)	Federal Compliance - Due to defect reason loan is no longer salable to agency, therefore Discrepancy in QM designation .: Due to defect reason loan is no longer salable to agency, therefore Discrepancy in QM designation . Federal Compliance - Final Finance charge on final CD $XXX, however, based on fees listed, total finance charges should be $XXX resulting in the loan being underdisclosed by $XXX.: Final Finance charge on final CD $XXX, however, based on fees listed, total finance charges should be $XXX resulting in the loan being underdisclosed by $XXX.	BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2019-02-05): See the attached itemization of the amount financed to verify fees being included in the finance charge and the attached cd addendum to verify the fee being excluded from the finance charge. If you have a discrepancy, please confirm your calculation. REVIEWER - GENERAL COMMENT (2019-02-06): Received itemization; however the final CD reflects a Title - New Loan Service Fee of $340 with no breakdown. It appears this is creating the finance charge under disclosure. Condition remains. SELLER - GENERAL COMMENT (2019-02-06): see attached re-disclosed documentation. REVIEWER - CURED COMMENT (2019-02-07): Received PCCD and all supporting documentation required for cure.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000781			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) – Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/11/XX/2018) [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/11/XX/2018)	Federal Compliance - Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of VA Safe Harbor QM.: Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of VA Safe Harbor QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Federal Compliance - Revised Loan Estimate provided on 11/XX/2018 not received by borrower at least four (4) business days prior to closing.: Revised Loan Estimate provided on 11/XX/2018 not received by borrower at least four (4) business days prior to closing.	BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-05): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000780			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/06/XX/2016) [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/2261803) [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/06/XX/2016) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $4,581.02 exceeds tolerance of $4,455.00. Insufficient or no cure was provided to the borrower. (8304) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Dues/Transfer/Reserve Fees. Fee Amount of $471.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7712) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Lender Inspection Fee. Fee Amount of $175.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75130) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. (7506) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2016) [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Federal Compliance - 2 Years History provided- W-2, 1040, Pay Stubs however no LOE for 25 days between jobs.: 2 Years History provided- W-2, 1040, Pay Stubs however no LOE for 25 days between jobs. Federal Compliance - Per Final CD: Per Final CD Federal Compliance - Per Final CD: Per Final CD Federal Compliance - Not provided: Not provided Federal Compliance - Cure was not provided to Borrower: Cure was not provided to Borrower Federal Compliance - Cure was not provided to Borrower: Cure was not provided to Borrower Federal Compliance - Cure was not provided to Borrower: Cure was not provided to Borrower Federal Compliance - Cure was not provided to Borrower: Cure was not provided to Borrower	BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.	There is generally no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000779			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,614.00 exceeds tolerance of $1,357.00 plus 10% or $1,492.70. Insufficient or no cure was provided to the borrower. (0) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2018)	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing: Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing Federal Compliance - Ten Percent Fee Tolerance exceeded. Total amount of $1,614.00 (including fees paid by the seller) exceeds tolerance of $1,357.00 plus 10% or $1,492.70. Missing proof of valid changes, insufficient or no cure was provided to the borrower: Ten Percent Fee Tolerance exceeded. Total amount of $1,614.00 (including fees paid by the seller) exceeds tolerance of $1,357.00 plus 10% or $1,492.70. Missing proof of valid changes, insufficient or no cure was provided to the borrower	BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-06): Please see attached Mavent document. Page 7 shows no TRID violation. Thanks. REVIEWER - GENERAL COMMENT (2019-02-07): Per buyer request, seller fees are to be included in tolerance testing, Seller paid Title - Escrow fee of $175, Title - Wire fee of $30 and Recording fee of $2 are causing tolerance violations. Exception referred to XXX for review and disposition BUYER - GENERAL COMMENT (2019-02-07): Waived REVIEWER - WAIVED COMMENT (2019-02-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-04): Waived REVIEWER - WAIVED COMMENT (2019-02-04): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000778			2	[2] Federal Compliance - FNMA Points and Fees : FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2012) (an overage of $XXX or XXX%).		BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception.					-
1450000777			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15,335.00 exceeds tolerance of $7,895.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower. [1] State Compliance - Maryland Counseling Agencies Disclosure Not in File: Maryland HB1399 - No evidence of counseling agencies list per Maryland HB 1399. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan is no longer agency eligible due to excessive DTI and insufficient work history for B2 - please advise which guidelines are applicable: Loan is no longer agency eligible due to excessive DTI and insufficient work history for B2 - please advise which guidelines are applicable Federal Compliance - The loan is failing QM Employment History because B2 was unable to provide a full 2 year employment history - documented employment totaled 4.2 months; B2 completed a 6 month professional training course for a total of only 10 months. Removing this income results in excessive DTI and the loan is no longer agency eligible.: The loan is failing QM Employment History because B2 was unable to provide a full 2 year employment history - documented employment totaled 4.2 months; B2 completed a 6 month professional training course for a total of only 10 months. Removing this income results in excessive DTI and the loan is no longer agency eligible. Federal Compliance - Unable to locate a Loan Designation in loan file; the subject is receiving a Non-QM designation due to lack of verified employment history resulting in unverified income and excessive DTI.: Unable to locate a Loan Designation in loan file; the subject is receiving a Non-QM designation due to lack of verified employment history resulting in unverified income and excessive DTI. Federal Compliance - The disclosed Total Interest Percentage of 87.793 does not match the actual TIP of 87.884.: The disclosed Total Interest Percentage of 87.793 does not match the actual TIP of 87.884. Federal Compliance - An amount was not disclosed as a cure for under disclosure of fees.: An amount was not disclosed as a cure for under disclosure of fees. Federal Compliance - The Final CD was issued on 4/XX/17, less than 6 days (4/XX/17) prior to closing, and was received on 4/XX/17, less than 3 days (4/XX/17) prior to closing on 4/XX/17.: The Final CD was issued on 4/XX/17, less than 6 days (4/XX/17) prior to closing, and was received on 4/XX/17, less than 3 days (4/XX/17) prior to closing on 4/XX/17. Federal Compliance - Exception fired due to addition of seller paid transfer taxes. Referred to buyer for final review and disposition. (Fee disclosed as $7895.00 on LE dated 04/XX/2017 but disclosed as $15335.00 on Final Closing Disclosure.): Exception fired due to addition of seller paid transfer taxes. Referred to buyer for final review and disposition. (Fee disclosed as $7895.00 on LE dated 04/XX/2017 but disclosed as $15335.00 on Final Closing Disclosure.) Federal Compliance - An itemization of the Lender Credit was not located in the file.: An itemization of the Lender Credit was not located in the file.	BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-14): The buyer has elected to waive this exception.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. HB 1399 does not contain express provisions for assignee liability. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000776			1								-
1450000775			2	[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/11/XX/2018) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,704.00 exceeds tolerance of $2,070.00 plus 10% or $2,277.00. Insufficient or no cure was provided to the borrower. (0) [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/XX/2018) [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. [1] Federal Compliance - TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	Federal Compliance - Initial loan application dated 11/XX/2018 and List of Homeownership Counseling Organizations dated 11/XX/2018: Initial loan application dated 11/XX/2018 and List of Homeownership Counseling Organizations dated 11/XX/2018 Federal Compliance - Total tolerance violations of $427.00 not cured on final CD.: Total tolerance violations of $427.00 not cured on final CD. Federal Compliance - Initial loan application dated 11/XX/2018 and Home Loan Toolkit Disclosure dated 11/XX/2018: Initial loan application dated 11/XX/2018 and Home Loan Toolkit Disclosure dated 11/XX/2018 Federal Compliance - Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. Federal Compliance - Initial loan application dated 11/XX/2018 and list of service providers dated 11/XX/2018: Initial loan application dated 11/XX/2018 and list of service providers dated 11/XX/2018 Federal Compliance - Total amount of $2,704.00 exceeds tolerance of $2,070.00 plus 10% or $2,277.00.: Total amount of $2,704.00 exceeds tolerance of $2,070.00 plus 10% or $2,277.00.	BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-13): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-13): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-14): Please indicate which CD date with the amount of $2,704.00. I'm not seeing it or provide the specific fee or breakdown that are adding up to $2,704.00. Thanks REVIEWER - GENERAL COMMENT (2019-02-15): Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing ten percent tolerance violations. Exception referred to XXX for review and disposition to waive or acknowledged. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-13): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-13): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-13): Waived REVIEWER - WAIVED COMMENT (2019-02-13): The buyer has elected to waive this exception.	Assignee Liability is unclear. The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency. Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000774			1								-
1450000773			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,020.17 exceeds tolerance of $1,747.00. Insufficient or no cure was provided to the borrower. (8304) [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018)	Federal Compliance - Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing: Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing Federal Compliance - Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,020.17 (including those paid by the seller $272.50) exceeds tolerance of $1,747.00. Mising proof of valid change, insufficient cure of .67 was provided to the borrower.: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,020.17 (including those paid by the seller $272.50) exceeds tolerance of $1,747.00. Mising proof of valid change, insufficient cure of .67 was provided to the borrower.	BUYER - GENERAL COMMENT (2019-02-25): Waived REVIEWER - WAIVED COMMENT (2019-02-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-25): Waived REVIEWER - WAIVED COMMENT (2019-02-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-25): Waived REVIEWER - WAIVED COMMENT (2019-02-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-25): Waived REVIEWER - WAIVED COMMENT (2019-02-26): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000772			2	[2] Federal Compliance - ARM Disclosure Prior to Closing Timing: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. [1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [1] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2018 incorrectly disclosed whether the loan allows for Assumption. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - ARM disclosure provided on 6/XX/18 which was the date of consummation.: ARM disclosure provided on 6/XX/18 which was the date of consummation. Federal Compliance - Missing verification documentation for prior employer.: Missing verification documentation for prior employer. Federal Compliance - Final CD reflects an initial escrow payment at closing of $4,703.27; however the Initial Escrow Account Disclosure Statement indicates an initial deposit of $4,752.80.: Final CD reflects an initial escrow payment at closing of $4,703.27; however the Initial Escrow Account Disclosure Statement indicates an initial deposit of $4,752.80. Federal Compliance - Note has assumption language. Final CD reflects assumptions are not allowed for this loan.: Note has assumption language. Final CD reflects assumptions are not allowed for this loan. Federal Compliance - Final CD reflects a closing date of 6/XX/18; however, the notary date on the Security Instrument is 6/XX/18.: Final CD reflects a closing date of 6/XX/18; however, the notary date on the Security Instrument is 6/XX/18. Federal Compliance - Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.: Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52. Federal Compliance - Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.: Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52. Federal Compliance - Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.: Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52. Federal Compliance - Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.: Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52. Federal Compliance - Insufficient cure provided to the borrower.: Insufficient cure provided to the borrower.	BUYER - GENERAL COMMENT (2019-02-27): Per seller: These findings are true. Please let me know how you would like to proceed. REVIEWER - GENERAL COMMENT (2019-02-28): Unable to cure if evidence of borrower's earlier receipt is not provided. Referring issue to XXX for review and disposition. BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-02-22): Waived REVIEWER - WAIVED COMMENT (2019-02-26): Client elected to waive the condition	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - subject to a 1 year SOL for affirmative claims under TILA				-
1450000771			1								-
1450000770			2	[2] Federal Compliance - TIL-MDIA - Initial TIL Not Provided within 3 Business Days of Application: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [1] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.	Federal Compliance - No evidence in file disclosure was provided.: No evidence in file disclosure was provided. Federal Compliance - No evidence the disclosure was provided to the borrower.: No evidence the disclosure was provided to the borrower. Federal Compliance - No evidence in file disclosure was provided within required time frame.: No evidence in file disclosure was provided within required time frame. Federal Compliance - No evidence in file disclosure was provided within required time frame.: No evidence in file disclosure was provided within required time frame. Federal Compliance - No evidence in file disclosure was provided within required time frame.: No evidence in file disclosure was provided within required time frame. Federal Compliance - The monthly escrow amount on the Final TIL was $94.02; however, the documentation for taxes and insurance in the loan file indicated the escrow should have been $103.28.: The monthly escrow amount on the Final TIL was $94.02; however, the documentation for taxes and insurance in the loan file indicated the escrow should have been $103.28. Federal Compliance - The total payment on the final TIL does not match the documentation in the loan file due to the differences in the tax/insurance amounts.: The total payment on the final TIL does not match the documentation in the loan file due to the differences in the tax/insurance amounts.	BUYER - GENERAL COMMENT (2019-02-26): Waived REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-26): Waived REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-26): Waived REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-26): Waived REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-26): Waived REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-26): Waived REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-02-26): Waived REVIEWER - WAIVED COMMENT (2019-02-27): The buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. There is generally no Assignee Liability. There is no Assignee Liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000769			3	[3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,428.25 exceeds tolerance of $1,234.00 plus 10% or $1,357.40. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $998.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The Loan Guaranty and Certificate of Eligiblity were missing; therefore the guaranty amount could not be determined.: The Loan Guaranty and Certificate of Eligiblity were missing; therefore the guaranty amount could not be determined. Federal Compliance - There was no evidence the appraisal was provided to the borrower.: There was no evidence the appraisal was provided to the borrower. Federal Compliance - The final Closing Disclosure had an amount of $43.90 as the amount Total Closing Costs were exceeded. A post closing Closing Disclosure indicated increased lender credits of $998.50 for a total of $1,997.50 in lender credits.: The final Closing Disclosure had an amount of $43.90 as the amount Total Closing Costs were exceeded. A post closing Closing Disclosure indicated increased lender credits of $998.50 for a total of $1,997.50 in lender credits. Federal Compliance - 10% tolerance exceeded by $ 194.25 due to Title Policy increase and addition of Survey fee. No valid COC provided, nor evidence of cure in file.: 10% tolerance exceeded by $ 194.25 due to Title Policy increase and addition of Survey fee. No valid COC provided, nor evidence of cure in file. Federal Compliance - The CD issued to add this fee was issued within 7 days of closing and fees could not be re-base lined in that time frame.: The CD issued to add this fee was issued within 7 days of closing and fees could not be re-base lined in that time frame.	BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000768			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.	Federal Compliance - Compliance report in file reflects Safe-Harbor QM.: Compliance report in file reflects Safe-Harbor QM. Federal Compliance - Agree with Due Diligence defect reason of uninsurable due to property flip < 90 days.: Agree with Due Diligence defect reason of uninsurable due to property flip < 90 days. Federal Compliance - DU/AUS accepted DTI of 49.81% as Approve/Eligible.: DU/AUS accepted DTI of 49.81% as Approve/Eligible. Federal Compliance - Missing casefile assignment; UTD assignment date.: Missing casefile assignment; UTD assignment date. Federal Compliance - ABA is not signed by the borrower.: ABA is not signed by the borrower.	BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-01): Waived REVIEWER - WAIVED COMMENT (2019-03-05): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.			Out	TILA ATR/QM
1450000767			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 8,026.04 on Final Closing Disclosure provided on 11/XX/2018 not accurate. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $2,717.00 on Final Closing Disclosure provided on 11/XX/2018 not accurate. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $800.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $39.00 exceeds tolerance of $33.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Due to the defect, the loan does not match the provided designation of Safe Harbor QM.: Due to the defect, the loan does not match the provided designation of Safe Harbor QM. Federal Compliance - Loan does not meet AUS and end investor guidelines not provided.: Loan does not meet AUS and end investor guidelines not provided. Federal Compliance - DTI exceeds the QM standard of 43%.: DTI exceeds the QM standard of 43%. Federal Compliance - No signed receipt found in file: No signed receipt found in file Federal Compliance - Correct amount is $8,755.68, CD only reflects $8,026.04: Correct amount is $8,755.68, CD only reflects $8,026.04 Federal Compliance - CD and lender are reflecting an additional other charge of $154.50 being paid in escrow, there is nothing in file to indicate what this is for: CD and lender are reflecting an additional other charge of $154.50 being paid in escrow, there is nothing in file to indicate what this is for Federal Compliance - Projected payments of $729.64 vs $976.64 escrows incorrect.: Projected payments of $729.64 vs $976.64 escrows incorrect. Federal Compliance - Projected payments of $729.64 vs $976.64 escrows incorrect.: Projected payments of $729.64 vs $976.64 escrows incorrect. Federal Compliance - per final CD costs over 1 year $2,717.00 but actual is $2,940: per final CD costs over 1 year $2,717.00 but actual is $2,940 Federal Compliance - Projected payments of $729.64 vs $976.64 escrows incorrect.: Projected payments of $729.64 vs $976.64 escrows incorrect. Federal Compliance - No amount shown on closing disclosure: No amount shown on closing disclosure Federal Compliance - Fees increased without a valid COC: Fees increased without a valid COC Federal Compliance - Fees increased without a valid COC: Fees increased without a valid COC	BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2019-03-04): SEE ATTACH REVIEWER - GENERAL COMMENT (2019-03-06): Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to XXX for review and disposition BUYER - GENERAL COMMENT (2019-03-06): XXX is waiving due to issue resulting from Seller fee's. REVIEWER - WAIVED COMMENT (2019-03-07): Buyer elects to waive exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000766			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 1,682.67 on Final Closing Disclosure provided on 08/XX/2018 not accurate. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $4,499.00 on Final Closing Disclosure provided on 08/XX/2018 not accurate. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,112.25 exceeds tolerance of $1,096.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $650.00 exceeds tolerance of $595.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan designation determined from Ability to Repay.: Loan designation determined from Ability to Repay. Federal Compliance - DTI exceeds $43%: DTI exceeds $43% Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 2 years 1040 or transcripts.: Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 2 years 1040 or transcripts. Federal Compliance - Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, amount disclosed to Consumer(s) at the time of consummation was not properly disclosed.: Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, amount disclosed to Consumer(s) at the time of consummation was not properly disclosed. Federal Compliance - Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, amount disclosed to Consumer(s) at the time of consummation was not properly disclosed.: Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, amount disclosed to Consumer(s) at the time of consummation was not properly disclosed. Federal Compliance - Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, monthly payment amount indicated on Consumer(s) Final CD at the time of consummation was not properly disclosed.: Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, monthly payment amount indicated on Consumer(s) Final CD at the time of consummation was not properly disclosed. Federal Compliance - Cost of Homeowner's Association dues for one year according to documentation provided was $4,464.00, amount indicated on Consumer(s) Final CD at the time of consummation was not properly disclosed.: Cost of Homeowner's Association dues for one year according to documentation provided was $4,464.00, amount indicated on Consumer(s) Final CD at the time of consummation was not properly disclosed. Federal Compliance - Cash to Close table did not indicate the dollar figure for exceeded legal limit amount; no cure was provided.: Cash to Close table did not indicate the dollar figure for exceeded legal limit amount; no cure was provided. Federal Compliance - Title - Lender's Title Insurance was initially disclosed, change of circumstance was not provided, zero tolerance for increased fees for services Consumer(s) cannot shop for; no cure given to Consumer(s).: Title - Lender's Title Insurance was initially disclosed, change of circumstance was not provided, zero tolerance for increased fees for services Consumer(s) cannot shop for; no cure given to Consumer(s). Federal Compliance - Title - Closing Fee was initially disclosed, change of circumstance was provided, zero tolerance for increased fees for services Consumer(s) cannot shop for; no cure given to Consumer(s).: Title - Closing Fee was initially disclosed, change of circumstance was provided, zero tolerance for increased fees for services Consumer(s) cannot shop for; no cure given to Consumer(s).	BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-07): Waived REVIEWER - WAIVED COMMENT (2019-03-08): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000765			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XXX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or XXX%). [2] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Missing: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower. [1] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/XX/2018 disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/XX/2018 did not disclose number of months for Property Tax under Prepaids.	Federal Compliance - Additional Seller paid fee in the amount of $500.00 was not disclosed on Consumer(s) Final CD at the time of consummation.: Additional Seller paid fee in the amount of $500.00 was not disclosed on Consumer(s) Final CD at the time of consummation. Federal Compliance - Lender did not provide the number of months of property taxes in Section F .: Lender did not provide the number of months of property taxes in Section F .	BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-04): Waived REVIEWER - WAIVED COMMENT (2019-03-06): The buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000764			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $92.18 on Final Closing Disclosure provided on 05/XX/2018 not accurate.	Federal Compliance - The designation determined by the loan review was Safe Harbor QM.: The designation determined by the loan review was Safe Harbor QM. Federal Compliance - The HOA dues are $8.33/mo which would be $99.96 over the course of the year.: The HOA dues are $8.33/mo which would be $99.96 over the course of the year.	BUYER - GENERAL COMMENT (2019-03-06): Waived REVIEWER - WAIVED COMMENT (2019-03-06): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-03-06): Waived REVIEWER - WAIVED COMMENT (2019-03-06): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000763			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Federal Compliance - Loan Designation per Ability to Repay: Loan Designation per Ability to Repay Federal Compliance - Not saleable, defect confirmed.: Not saleable, defect confirmed. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable.	BUYER - GENERAL COMMENT (2019-03-06): Waived REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-06): Waived REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-06): Waived REVIEWER - WAIVED COMMENT (2019-03-07): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000762			2	[2] Federal Compliance - TRID Final Closing Disclosure Fee Terminology: TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on 09/XX/2017 did not use the same fee terminology as the Loan Estimate. [1] State Compliance - North Carolina Rate Spread Threshold Test Compliant: North Carolina Rate Spread Home Loan: APR on subject loan of 5.88540% or Final Disclosure APR of 5.91900% is in excess of allowable threshold of APOR 3.92% + 1.5%, or 5.42000%. Compliant Rate Spread Home Loan.	Federal Compliance - The initial LE's disclosed a Doc Prep fee paid to the lender; however the fee name was changed to Document Delivery Fee on the CD's in file. The fee terminology was inconsistent between the LE and CD.: The initial LE's disclosed a Doc Prep fee paid to the lender; however the fee name was changed to Document Delivery Fee on the CD's in file. The fee terminology was inconsistent between the LE and CD.	BUYER - GENERAL COMMENT (2019-03-12): Waived REVIEWER - WAIVED COMMENT (2019-03-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-14): The loan is a Rebuttable Presumption QM loan. Per our Compliance / Disclosure Department this loan is acceptable as a Higher Cost Loan and is allowed with specific safeguards for the borrower - no appraisal receipt waiver, no escrow waiver etc. REVIEWER - GENERAL COMMENT (2019-03-18): Exception reflects a compliant status. BUYER - GENERAL COMMENT (2019-03-20): Acknowledged REVIEWER - WAIVED COMMENT (2019-03-21): Buyer accepted the exceptions	There is no Assignee Liability. However, note that a loan that violates the provisions on rate spread home loans will be declared usurious. Thus, the terms of loans held by an assignee could be affected in certain circumstances TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000761			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - No documentation in file stating Loan Designation.: No documentation in file stating Loan Designation. Federal Compliance - The reinspection fee was no disclosed on the Loan Estimate nor was a valid change of circumstance provided. A post closing cure was evidenced on a CD provided on 08/XX/2018: The reinspection fee was no disclosed on the Loan Estimate nor was a valid change of circumstance provided. A post closing cure was evidenced on a CD provided on 08/XX/2018 Federal Compliance - Acknowledged.: Acknowledged.	BUYER - GENERAL COMMENT (2019-03-19): Waived REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception. REVIEWER - CURED COMMENT (2019-03-12): $150 cure provided on Final CD. BUYER - GENERAL COMMENT (2019-03-19): Waived REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000760			1								-
1450000759			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $4.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - $4.50 violation due to increase in (Title - GARC (Lender Policy) fee). File does not contain a valid COC for this fee, nor evidence of cure.: $4.50 violation due to increase in (Title - GARC (Lender Policy) fee). File does not contain a valid COC for this fee, nor evidence of cure. Federal Compliance - Tolerance exceeded for Title - Policy Guarantee Fee Amount of $4.50 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower.: Tolerance exceeded for Title - Policy Guarantee Fee Amount of $4.50 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower.	BUYER - GENERAL COMMENT (2019-03-19): Waived REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-19): Waived REVIEWER - WAIVED COMMENT (2019-03-20): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000758			1	[1] Federal Compliance - Investment Property Submitted as QM: Qualified Mortgage (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Qualified Mortgage requirements.	Federal Compliance - Investment property submitted as QM.: Investment property submitted as QM.	BUYER - GENERAL COMMENT (2019-03-26): Waived REVIEWER - WAIVED COMMENT (2019-03-27): The buyer has elected to waive this exception.					-
1450000757			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History - Current Job after Gap: Qualified Mortgage (Dodd-Frank 2014): Current Job History post-Gap with LOE, lacking 6 months on current job. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Federal Compliance - Loan is not saleable due to the known defect and the DTI exceeds the QM benchmark of 43%.: Loan is not saleable due to the known defect and the DTI exceeds the QM benchmark of 43%. Federal Compliance - Borrower's current employment history under 6 months.: Borrower's current employment history under 6 months. Federal Compliance - The loan is not saleable utilizing the AUS approval due to the missing documentation and because the DTI exceeds 43% it does not meet QM.: The loan is not saleable utilizing the AUS approval due to the missing documentation and because the DTI exceeds 43% it does not meet QM.	BUYER - GENERAL COMMENT (2019-03-29): Waived REVIEWER - WAIVED COMMENT (2019-04-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-29): Waived REVIEWER - WAIVED COMMENT (2019-04-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-29): Waived REVIEWER - WAIVED COMMENT (2019-04-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-03-29): Waived REVIEWER - WAIVED COMMENT (2019-04-01): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000756			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM.		BUYER - GENERAL COMMENT (2019-03-29): Waived REVIEWER - WAIVED COMMENT (2019-04-01): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000733			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [1] State Compliance - North Carolina Rate Spread Threshold Test Compliant: North Carolina Rate Spread Home Loan: APR on subject loan of 7.02600% or Final Disclosure APR of 7.02800% is in excess of allowable threshold of APOR 4.85% + 1.5%, or 6.35000%. Compliant Rate Spread Home Loan.	Federal Compliance - Compliance report test reflects loan passed High Cost test and that loan is designated Presumption of Compliance QM. However, Clarity High Priced tests failed.: Compliance report test reflects loan passed High Cost test and that loan is designated Presumption of Compliance QM. However, Clarity High Priced tests failed. Federal Compliance - Due to an Identity of Interest the maximum LTV cannot exceed 85%. The actual LTV is 96.50%.: Due to an Identity of Interest the maximum LTV cannot exceed 85%. The actual LTV is 96.50%. State Compliance - The loan is failing State High Price testing. Additional conditions may be required.: The loan is failing State High Price testing. Additional conditions may be required.	BUYER - GENERAL COMMENT (2019-04-02): Waived REVIEWER - WAIVED COMMENT (2019-04-03): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-02): Waived REVIEWER - WAIVED COMMENT (2019-04-03): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-02): Waived REVIEWER - WAIVED COMMENT (2019-04-03): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is no Assignee Liability. However, note that a loan that violates the provisions on rate spread home loans will be declared usurious. Thus, the terms of loans held by an assignee could be affected in certain circumstances TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000732			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM.	Federal Compliance - Unable to determine origination Loan Designation from documentation.: Unable to determine origination Loan Designation from documentation.	BUYER - GENERAL COMMENT (2019-04-03): Waived REVIEWER - WAIVED COMMENT (2019-04-04): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000731	2nd appraisal for final inspection of work completed was not provided for subject.	BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.	3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $500.19 exceeds tolerance of $225.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	Federal Compliance - Compliance report indicates Safe Harbor.: Compliance report indicates Safe Harbor. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Cure for 0% tolerance violation of $275.19 was not provided. Provide a post-close CD disclosing the tolerance cure of $275.19, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 0% tolerance violation of $275.19 was not provided. Provide a post-close CD disclosing the tolerance cure of $275.19, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - CD was issued 08/XX/17. Closing was 08/XX/17. Only two day prior to closing,.: CD was issued 08/XX/17. Closing was 08/XX/17. Only two day prior to closing,. Federal Compliance - Settlement providers were provided on 08/XX/17.: Settlement providers were provided on 08/XX/17. Federal Compliance - Loan Discount Points were disclosed as $225 on LE and increased to $500.19 on Final CD. No valid COC provided, nor evidence of cure in file.: Loan Discount Points were disclosed as $225 on LE and increased to $500.19 on Final CD. No valid COC provided, nor evidence of cure in file.	BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA ATR/QM
1450000730			1	[1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	Federal Compliance - List not located.: List not located.	BUYER - GENERAL COMMENT (2019-04-05): Waived REVIEWER - WAIVED COMMENT (2019-04-08): The buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.				-
1450000729			2	[2] Federal Compliance - TILA NMLSR - Originator Company License Status Not Approved: Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities.	Federal Compliance - The NMLS website does not reflect Loan Officer worked for Origination Company. Additionally, the Origination Company does not show approved in Georgia during origination through closing.: The NMLS website does not reflect Loan Officer worked for Origination Company. Additionally, the Origination Company does not show approved in Georgia during origination through closing.	BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception.					-
1450000728			2	[2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $72.40 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Missing Employment Dates for prior Employment. AUS called for 1 year, which was provided, but ATR or QM testing is asking for 2 years. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: Missing Employment Dates for prior Employment. AUS called for 1 year, which was provided, but ATR or QM testing is asking for 2 years. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.	BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception.					-
1450000727			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Miscellaneous Compliance - Rental Income Documentation - Schedule E Method: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. [3] Miscellaneous Compliance - Rental Income Documentation - Schedule E Method: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX. [1] Federal Compliance - RESPA (2010) - 10% Tolerance Without Cure: RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.	Federal Compliance - Loan designation is HUD Safe Harbor QM per Mavent.: Loan designation is HUD Safe Harbor QM per Mavent. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Second appraisal ordered in error and not allowed by FHA. No material changes in value between the two, but unable to insure with FHA.: Second appraisal ordered in error and not allowed by FHA. No material changes in value between the two, but unable to insure with FHA. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Miscellaneous Compliance - Missing 2014 tax returns: Missing 2014 tax returns Miscellaneous Compliance - Missing 2014 Tax returns: Missing 2014 Tax returns Federal Compliance - No cure provided: No cure provided Federal Compliance - XXX: XXX	BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-04): Waived REVIEWER - WAIVED COMMENT (2019-04-05): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000726			1								-
1450000725			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,813.25 exceeds tolerance of $1,428.00 plus 10% or $1,570.80. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $819.00 exceeds tolerance of $410.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 did not disclose number of months for Property Tax under Prepaids. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Federal Compliance - Loan is no longer agency salable and the investor guidelines were not provided.: Loan is no longer agency salable and the investor guidelines were not provided. Federal Compliance - Email sent to Borrower in regards to receipt of appraisal on 5/XX/2018.: Email sent to Borrower in regards to receipt of appraisal on 5/XX/2018. Federal Compliance - Number of months was not listed on Closing disclosure for Property Taxes.: Number of months was not listed on Closing disclosure for Property Taxes. Federal Compliance - Cure for 0% and 10% tolerance violations of $701.45 was not provided. Provide a post-close CD disclosing the tolerance cure of $701.45, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 0% and 10% tolerance violations of $701.45 was not provided. Provide a post-close CD disclosing the tolerance cure of $701.45, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - No receipt of Home Loan Toolkit in file: No receipt of Home Loan Toolkit in file Federal Compliance - 10% tolerance exceeded by $ 242.45. No valid COC provided, nor evidence of cure in file.: 10% tolerance exceeded by $ 242.45. No valid COC provided, nor evidence of cure in file. Federal Compliance - Notary Fee was disclosed as $410 on LE and increased to $819 on Final CD. No valid COC provided, nor evidence of cure in file.: Notary Fee was disclosed as $410 on LE and increased to $819 on Final CD. No valid COC provided, nor evidence of cure in file. Federal Compliance - Title Document Preparation Fee was not disclosed on LE. No valid COC provided, nor evidence of cure in file.: Title Document Preparation Fee was not disclosed on LE. No valid COC provided, nor evidence of cure in file.	BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000724			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM. [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,566.72 on Final Closing Disclosure provided on 07/XX/2018 not accurate. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $480.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The Amount of Estimated Property Costs over Year 1 of 7,566.72 on Final Closing Disclosure provided on 07/XX/2018 did not include the annual $238.00 hazard insurance premium.: The Amount of Estimated Property Costs over Year 1 of 7,566.72 on Final Closing Disclosure provided on 07/XX/2018 did not include the annual $238.00 hazard insurance premium. Federal Compliance - Cure for 0% tolerance violations of $779.41 was not provided. Provide a post-close CD disclosing the tolerance cure of $779.41, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 0% tolerance violations of $779.41 was not provided. Provide a post-close CD disclosing the tolerance cure of $779.41, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Transfer tax not listed until final CD. No cure or valid Change of Circumstance was provided to the borrower.: Transfer tax not listed until final CD. No cure or valid Change of Circumstance was provided to the borrower.	BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2019-04-10): XXX rebuttal REVIEWER - GENERAL COMMENT (2019-04-11): Per buyer request, seller fees are to be included in tolerance testing, Seller paid Transfer Tax of $480 is causing a tolerance violation. Exception referred to XXX for review and disposition BUYER - GENERAL COMMENT (2019-04-16): Waived REVIEWER - WAIVED COMMENT (2019-04-17): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-08): Waived REVIEWER - WAIVED COMMENT (2019-04-09): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000723			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Rental Income Documentation - 25% Method: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement not provided or % of gross rents used is greater than 75%. [2] State Compliance - Massachusetts HPML Threshold Test Compliant: Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 6.04920% or Final Disclosure APR of 6.08500% is in excess of allowable threshold of APOR 4.56% + 1.5%, or 6.06000% Compliant Higher Priced Loan. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.	Federal Compliance - Loan Designation set per Compliance Report.: Loan Designation set per Compliance Report. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Subject loan is not eligible to be insured or guaranteed by FHA.: Subject loan is not eligible to be insured or guaranteed by FHA. Federal Compliance - 75% vacancy factor was used.Market rent used.Missing lease agreement.: 75% vacancy factor was used.Market rent used.Missing lease agreement. State Compliance - Loan failed State High Priced testing. Additional conditions may be required.: Loan failed State High Priced testing. Additional conditions may be required. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Missing initial escrow account statement.: Missing initial escrow account statement. Federal Compliance - There is not a lump sum credit or any credit reflected on the final Closing Disclosure.: There is not a lump sum credit or any credit reflected on the final Closing Disclosure.	BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Question from Seller: Do we need a rental agreement on the subject property when it was vacant at purchase? REVIEWER - GENERAL COMMENT (2019-04-10): No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Please advise which guidelines are applicable. BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000722			2	[2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Federal Compliance - Client provided guidelines to review and designation was updated to Non-QM: Client provided guidelines to review and designation was updated to Non-QM Federal Compliance - There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.: There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation. Federal Compliance - Disclosure was not in file.: Disclosure was not in file. Federal Compliance - There is no evidence that the Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing.: There is no evidence that the Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing.	SELLER - GENERAL COMMENT (2019-04-26): Attached REVIEWER - GENERAL COMMENT (2019-04-29): There is a 3rd CD dated 12/XX/2018 with a closing date of 12/XX/2018 and disbursement date of 12/XX/2018. This is the CD that is at issue. No evidence was provided when the borrower received this CD. Condition remains. BUYER - GENERAL COMMENT (2019-04-29): Waived REVIEWER - WAIVED COMMENT (2019-04-30): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000721			2	[2] Federal Compliance - ARM Disclosure Timing Test: TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application. [2] Federal Compliance - CHARM Booklet Disclosure Timing: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application. [2] Federal Compliance - TRID Closing Disclosure Issue Date Not Provided: TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,650.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Evidence the CHARM Booklet was provided to Buyer within three days of application is missing. An acknowledgement of receipt was signed at closing.: Evidence the CHARM Booklet was provided to Buyer within three days of application is missing. An acknowledgement of receipt was signed at closing. Federal Compliance - An acknowledgement of receipt of Appraisal at least 3 days prior to closing was not signed by the Borrower.: An acknowledgement of receipt of Appraisal at least 3 days prior to closing was not signed by the Borrower. Federal Compliance - Missing rate lock date and last date rate set.: Missing rate lock date and last date rate set. Federal Compliance - A Closing Disclosure signed by Borrower 10/XX/2018 is missing the issue date.: A Closing Disclosure signed by Borrower 10/XX/2018 is missing the issue date. Federal Compliance - Evidence the Home Loan Toolkit was provided to Buyer within three days of application is missing.: Evidence the Home Loan Toolkit was provided to Buyer within three days of application is missing.	BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-09): Waived REVIEWER - WAIVED COMMENT (2019-04-10): The buyer has elected to waive this exception.	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - subject to a 1 year SOL for affirmative claims under TILA TILA - subject to a 1 year SOL for affirmative claims under TILA				-
1450000719			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Final Closing Disclosure Fee Terminology: TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on 12/XX/2017 did not use the same fee terminology as the Loan Estimate. [1] Federal Compliance - TRID Alternate Table Usage: TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 12/XX/2017 did not disclose number of months for homeowner's insurance under Prepaids. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $510.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Loan Designation of HUD Safe Harbor QM reflected on Mavent.: Loan Designation of HUD Safe Harbor QM reflected on Mavent. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Missing disclosure from file for LO compensation: Missing disclosure from file for LO compensation Federal Compliance - Initial LE disclosure was issued on the "With Seller" form, and Final LE and all CDs, disclosures were issued on the "Without Seller" form.: Initial LE disclosure was issued on the "With Seller" form, and Final LE and all CDs, disclosures were issued on the "Without Seller" form. Federal Compliance - Initial LE has an "Application Fee" in section A that was renamed "Underwriting Fee" for all subsequent LE's and CDs.: Initial LE has an "Application Fee" in section A that was renamed "Underwriting Fee" for all subsequent LE's and CDs. Federal Compliance - # of Months were not disclosed on Final CD for insurance reserves. However, PC CD corrected.: # of Months were not disclosed on Final CD for insurance reserves. However, PC CD corrected. Federal Compliance - Excess cure of $20.60 was provided to the borrower at Closing.: Excess cure of $20.60 was provided to the borrower at Closing.	BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-10): Waived REVIEWER - WAIVED COMMENT (2019-04-11): The buyer has elected to waive this exception. REVIEWER - CURED COMMENT (2019-04-10): PC CD corrected number of months for Homeowners Insurance in Section F.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000718			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2016 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Federal Compliance - Loan Designation of Safe Harbor QM reflected on Mavent.: Loan Designation of Safe Harbor QM reflected on Mavent. Federal Compliance - Loan is no longer agency eligible- Please advise which guidelines are applicable: Loan is no longer agency eligible- Please advise which guidelines are applicable Federal Compliance - FHA Connection indicates that loan must be manually underwritten. Borrower does not have sufficient reserves for manual underwrite. Uninsurable. UFMIP refunded & monthly MI removed.: FHA Connection indicates that loan must be manually underwritten. Borrower does not have sufficient reserves for manual underwrite. Uninsurable. UFMIP refunded & monthly MI removed. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Final CD reflects escrow contributions from the lender in the amount of $432.88 which is causing the variance in the payment.: Final CD reflects escrow contributions from the lender in the amount of $432.88 which is causing the variance in the payment.	BUYER - GENERAL COMMENT (2019-04-22): Waived REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-22): Waived REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-22): Waived REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-22): Waived REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-22): Waived REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000717			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Federal Compliance - Subject loan is not eligible to be insured or guaranteed by FHA.: Subject loan is not eligible to be insured or guaranteed by FHA. Federal Compliance - Final Closing Disclosure provided on 05/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.: Final Closing Disclosure provided on 05/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	BUYER - GENERAL COMMENT (2019-04-22): Waived REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-22): Waived REVIEWER - WAIVED COMMENT (2019-04-23): The buyer has elected to waive this exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000716			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,098.00 exceeds tolerance of $1,814.00 plus 10% or $1,995.40. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The designation determined by the review differs from the designation indicated at origination.: The designation determined by the review differs from the designation indicated at origination. Federal Compliance - DTI and lack of compensating factors makes this loan ineligible for an insured FHA loan.: DTI and lack of compensating factors makes this loan ineligible for an insured FHA loan. Federal Compliance - Total QM Debt Ratio exceeds 43% and the loan does not meet agency requirements.: Total QM Debt Ratio exceeds 43% and the loan does not meet agency requirements. Federal Compliance - The closing date and date of all of the documents was 4.XX.18. The Notary Date was 4.XX.18.: The closing date and date of all of the documents was 4.XX.18. The Notary Date was 4.XX.18. Federal Compliance - The escrow payment of $378.30. Borrower paid $191.50 and the Seller paid as part of the seller credit paid the remaining $186.80.: The escrow payment of $378.30. Borrower paid $191.50 and the Seller paid as part of the seller credit paid the remaining $186.80. Federal Compliance - Cure for 10% tolerance violation of $102.60 was not provided. Provide a post-close CD disclosing the tolerance cure of $102.60, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 10% tolerance violation of $102.60 was not provided. Provide a post-close CD disclosing the tolerance cure of $102.60, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - 10% tolerance exceeded by $102.60. No valid COC provided, nor evidence of cure in file.: 10% tolerance exceeded by $102.60. No valid COC provided, nor evidence of cure in file.	BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-26): The original LE was disclosed with an Engineer's Cert Fee in the amount of $250. The initial CD reflected that the Engineer's Cert Fee was increased to $400, which would have required a cure, HOWEVER the Consummation CD and Funding CD reflected that the final fee was $150, which was less than what was originally disclosed therefore a cure was not required. REVIEWER - GENERAL COMMENT (2019-04-29): Tolerance violation is not due to the Engineer's Certification. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to XXX for review and disposition BUYER - GENERAL COMMENT (2019-04-30): Waived REVIEWER - WAIVED COMMENT (2019-05-01): Client has elected to waive. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000715			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Social Security Documentation: Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. [2] Federal Compliance - TRID non-compliant: Missing Seller's Closing Disclosure.	Federal Compliance - HUD Safe Harbor QM per Mavent in file.: HUD Safe Harbor QM per Mavent in file. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Subject loan is not eligible to be insured or guaranteed by FHA. Loan is no longer agency eligible - please advise which guidelines are applicable: Subject loan is not eligible to be insured or guaranteed by FHA. Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Missing the 2nd page of the Seller's CD detailing the costs paid by the seller. On the first page of the disclosure provided, it reflects $11,870,.50 paid by the seller. On the borrower's final CD, seller paid fees are noted as $10,460. Unable to determine the other fees paid by the seller in the amount of $1410.50.: Missing the 2nd page of the Seller's CD detailing the costs paid by the seller. On the first page of the disclosure provided, it reflects $11,870,.50 paid by the seller. On the borrower's final CD, seller paid fees are noted as $10,460. Unable to determine the other fees paid by the seller in the amount of $1410.50.	BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): There are 2 months worth of bank statements verifying direct deposits from the SSA into the borrowers bank account. She is 69 years old so it is not likely that she won't continue to receive this income for the foreseeable future. We did not obtain any additional documentation and will not be able to provide anything further at this time. As a reminder, this loan is being sold "as is" on a scratch and dent basis. REVIEWER - GENERAL COMMENT (2019-04-24): Re-reviewed file contents, only 1 month bank statement was provided for the borrower receiving SS income. Exception is due to loan defect and because Loan is no longer agency eligible - please advise which guidelines are applicable to determine compliance. BUYER - GENERAL COMMENT (2019-04-24): Waived REVIEWER - WAIVED COMMENT (2019-04-25): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative,			Out	TILA ATR/QM
1450000714			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2018 disclosed a Closing Date that did not match the actual date of consummation.	Federal Compliance - Loan Designation selected from compliance report.: Loan Designation selected from compliance report. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Due to income and asset verification issues, the loan is not eligible to be insured by FHA.: Due to income and asset verification issues, the loan is not eligible to be insured by FHA. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - The Final CD closing date was 06/XX/2018; however the notary date on the mortgage was dated 06/XX/2018.: The Final CD closing date was 06/XX/2018; however the notary date on the mortgage was dated 06/XX/2018. Federal Compliance - The escrow payment was verified and captured as disclosed pn page 2 of the final CD; HOA dues not included.: The escrow payment was verified and captured as disclosed pn page 2 of the final CD; HOA dues not included.	BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000713			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Federal Compliance - HUD Safe Harbor QM per Mavent.: HUD Safe Harbor QM per Mavent. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan not insurable by FHA due to no new appraisal performed after case number re-assigned.: Loan not insurable by FHA due to no new appraisal performed after case number re-assigned. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Per the FInal CD, the seller ha paid $296.00 of the borrower's escrow costs, which is the reason for the discrepancy.: Per the FInal CD, the seller ha paid $296.00 of the borrower's escrow costs, which is the reason for the discrepancy.	BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000712			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted. [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	Federal Compliance - Safe Harbor QM per Mavent in file.: Safe Harbor QM per Mavent in file. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - On the Work Number WVOE it reflects the borrower has been with the company for 3 years and 1 month however it states the Most recent start date and original hire date is both 8/XX/2018.: On the Work Number WVOE it reflects the borrower has been with the company for 3 years and 1 month however it states the Most recent start date and original hire date is both 8/XX/2018. Federal Compliance - Missing Seller CD.: Missing Seller CD. Federal Compliance - The loan file does not contain a breakdown or itemization of fees that were included in the finance charges or a lump sum credit.: The loan file does not contain a breakdown or itemization of fees that were included in the finance charges or a lump sum credit.	BUYER - GENERAL COMMENT (2019-04-19): Waived REVIEWER - WAIVED COMMENT (2019-04-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-19): Waived REVIEWER - WAIVED COMMENT (2019-04-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-19): Waived REVIEWER - WAIVED COMMENT (2019-04-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-19): Waived REVIEWER - WAIVED COMMENT (2019-04-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-19): Waived REVIEWER - WAIVED COMMENT (2019-04-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-19): Waived REVIEWER - WAIVED COMMENT (2019-04-22): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000710			1	[1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.		BUYER - GENERAL COMMENT (2019-04-23): Waived REVIEWER - WAIVED COMMENT (2019-04-24): The buyer has elected to waive this exception.					-
1450000709			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,545.22 on Final Closing Disclosure provided on 10/XX/2018 not accurate. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $522.73 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	Federal Compliance - Designation determined by the review differs from that provided at origination.: Designation determined by the review differs from that provided at origination. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - New Case number not reassigned per FHA regulations, and 2nd job income used was ineligible per HUD guidelines as it has been active for < 2 consecutive, uninterrupted years.: New Case number not reassigned per FHA regulations, and 2nd job income used was ineligible per HUD guidelines as it has been active for < 2 consecutive, uninterrupted years. Federal Compliance - Loan is not eligible for purchase by HUD.: Loan is not eligible for purchase by HUD. Federal Compliance - Evidence of CD delivery was not provided on 10/XX/2018, which is the date of issuance for the final CD. Only the evidence that the CD was signed on 10/XX/2018 was received.: Evidence of CD delivery was not provided on 10/XX/2018, which is the date of issuance for the final CD. Only the evidence that the CD was signed on 10/XX/2018 was received. Federal Compliance - Cure of $422.73 was reflected, which is sufficient to cure increased credit report fee, however per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations.: Cure of $422.73 was reflected, which is sufficient to cure increased credit report fee, however per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations.	BUYER - GENERAL COMMENT (2019-04-26): Waived REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-26): Waived REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-26): Waived REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-26): Waived REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-26): Waived REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-04-26): Waived REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception. REVIEWER - CURED COMMENT (2019-04-29): Cure provided on the final CD BUYER - GENERAL COMMENT (2019-04-26): Waived REVIEWER - WAIVED COMMENT (2019-04-29): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000707			1	[1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Federal Compliance - Unable to verify receipt of appraisal: Unable to verify receipt of appraisal	BUYER - GENERAL COMMENT (2019-05-01): Waived REVIEWER - WAIVED COMMENT (2019-05-02): The buyer has elected to waive this exception.					-
1450000706			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [1] Federal Compliance - Self-Employed Tax Return Recency: Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017. [1] Federal Compliance - Self-Employed Tax Return Recency - ATR: Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017.	Federal Compliance - Per compliance report, loan is HUD Safe Harbor QM.: Per compliance report, loan is HUD Safe Harbor QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Missing current year P&L statement.: Missing current year P&L statement. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Missing 2016 tax returns and current year P&L statement. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: Missing 2016 tax returns and current year P&L statement. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Affiliated Business Arrangement Disclosure dated 05/XX/2017 with an application date of 05/XX/2017.: Affiliated Business Arrangement Disclosure dated 05/XX/2017 with an application date of 05/XX/2017. Federal Compliance - Missing 2016 tax returns. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: Missing 2016 tax returns. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Missing tax returns for 2017. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: Missing tax returns for 2017. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - There is no evidence that the Initial CD Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing. An acknowledgement of receipt of CD dated 06/XX/2017 is in the file; however, it is not clear which CD that is in reference too as there were CDs issued on 06/XX/2017 and 06/XX/2017.: There is no evidence that the Initial CD Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing. An acknowledgement of receipt of CD dated 06/XX/2017 is in the file; however, it is not clear which CD that is in reference too as there were CDs issued on 06/XX/2017 and 06/XX/2017.	BUYER - GENERAL COMMENT (2019-05-09): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-10): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-09): Waived REVIEWER - WAIVED COMMENT (2019-05-10): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000705			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2017 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application. [1] Federal Compliance - TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - The total of QM fees of $XXX exceeds the allowable max threshold of $XXX.: The total of QM fees of $XXX exceeds the allowable max threshold of $XXX. Federal Compliance - Employment dates captured per the WVOE docs in the loan file for the current and prior employers.: Employment dates captured per the WVOE docs in the loan file for the current and prior employers. Federal Compliance - List of Homeownership Counseling Organizations not within 3 days of application date 10/XX/19.: List of Homeownership Counseling Organizations not within 3 days of application date 10/XX/19. Federal Compliance - Home Loan Toolkit Disclosure not within 3 days of application date 10/XX/19.: Home Loan Toolkit Disclosure not within 3 days of application date 10/XX/19. Federal Compliance - Initial LE not within 3 days of application date 10/XX/19.: Initial LE not within 3 days of application date 10/XX/19. Federal Compliance - List of Service Providers not within 3 days of application date 10/XX/19.: List of Service Providers not within 3 days of application date 10/XX/19. Federal Compliance - TRID regulations require the Closing date on the CD to match the consummation date 12/XX/17.: TRID regulations require the Closing date on the CD to match the consummation date 12/XX/17.	BUYER - GENERAL COMMENT (2019-05-15): Waived REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-15): Waived REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2019-07-30): Fees and Points Refund REVIEWER - GENERAL COMMENT (2019-07-31): To cure this exception, the following information must be provided: If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January 10, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer Condition remains at this time. SELLER - GENERAL COMMENT (2019-08-09): Refund check and proof of delivery REVIEWER - GENERAL COMMENT (2019-08-13): Lender provided a refund check for the overage amount along with a letter of explanation and proof of delivery; however the refund was provided > 210 days from consummation and the condition cannot be cured. BUYER - GENERAL COMMENT (2019-08-14): Cleared - Seller provided refund, letter and proof of delivery. XXX accepts the remedy based on exception discover date vs. 201 days from consummation. REVIEWER - GENERAL COMMENT (2019-08-15): XXX please advise if you are waiving or acknowledging this exception? BUYER - GENERAL COMMENT (2019-05-15): Waived REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-15): Waived REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-15): Waived REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception. REVIEWER - CURED COMMENT (2019-05-13): Corrected on PC CD. BUYER - GENERAL COMMENT (2019-05-15): Waived REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-15): Waived REVIEWER - WAIVED COMMENT (2019-05-16): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000704			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2019 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - DTI exceeds the guideline max of 43% due to an auto lease payment with XXX for $499 was originally excluded from the total debt obligations.: DTI exceeds the guideline max of 43% due to an auto lease payment with XXX for $499 was originally excluded from the total debt obligations. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - There is an auto lease with XXX for $499 per month with a balance of $3995 that was not counted in the total debt obligations. Adding this consumer debt back in results in a DTI that exceeds 43%.: There is an auto lease with XXX for $499 per month with a balance of $3995 that was not counted in the total debt obligations. Adding this consumer debt back in results in a DTI that exceeds 43%. Federal Compliance - The final Closing Disclosure reflects a Closing Date of 03/XX/2018, but the transaction consummation (mortgage notary) date was 03/XX/2018. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.: The final Closing Disclosure reflects a Closing Date of 03/XX/2018, but the transaction consummation (mortgage notary) date was 03/XX/2018. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made. Federal Compliance - Cure for the 10% tolerance violation in the amount of $747.40 was not provided. Provide a post-close CD disclosing the tolerance cure of $747.40, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for the 10% tolerance violation in the amount of $747.40 was not provided. Provide a post-close CD disclosing the tolerance cure of $747.40, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Acknowledged.: Acknowledged.	BUYER - GENERAL COMMENT (2019-05-10): Waived REVIEWER - WAIVED COMMENT (2019-05-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-10): Waived REVIEWER - WAIVED COMMENT (2019-05-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-10): Waived REVIEWER - WAIVED COMMENT (2019-05-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-10): Waived REVIEWER - WAIVED COMMENT (2019-06-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-10): Waived REVIEWER - WAIVED COMMENT (2019-05-11): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-10): Waived REVIEWER - WAIVED COMMENT (2019-05-11): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000703			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Federal Compliance - Due to the missing income documentation, the designation determined by the review is non-QM.: Due to the missing income documentation, the designation determined by the review is non-QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - The borrower documentation is missing signatures on the tax returns, a 2017 ytd p/l and balance sheet for the business.: The borrower documentation is missing signatures on the tax returns, a 2017 ytd p/l and balance sheet for the business.	BUYER - GENERAL COMMENT (2019-05-20): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-21): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-20): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-21): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-24): 5/24: This loan was underwritten to agency guidelines and those guidelines do not require a Profit/loss statement or balance sheet. We are not required to provide this document, and cannot obligate the client to do so. Please clear this condition. REVIEWER - GENERAL COMMENT (2019-05-28): This failure is due to default reason. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation is being required for QM/ATR testing. Therefore, a year to date P&L, Balance sheet and recent third party verification with employment dates would be required. Referring to buyer for review and disposition. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000702			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Federal Compliance - Loan Designation of Temporary SHQM (GSE/Agency Eligible).: Loan Designation of Temporary SHQM (GSE/Agency Eligible).	BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000701			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. [3] Federal Compliance - Social Security Documentation: Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient.	Federal Compliance - Originator Loan Designation of Safe Harbor QM.: Originator Loan Designation of Safe Harbor QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the Award Letter and 1099 form for the borrower's Pension income.: Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the Award Letter and 1099 form for the borrower's Pension income. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the Award Letter and the SSI 1099 form for the borrower's Social Security Income.: Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the Award Letter and the SSI 1099 form for the borrower's Social Security Income.	BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Fannie allows for the use of a 1040 or tax trancript as proof of the SSI. XXX is the only one on the tax returns so we know it is his income. REVIEWER - GENERAL COMMENT (2019-05-22): As required by DU, paragraph 20 required either current proof of receipt or the SSA award letter. The only evidence in the loan file is the borrower's 2016 1040's. The loan closed 02/XX/2018. Condition remains. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000700	The appraisal is in the name of XXX, who was not the Lender.	BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition	3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 3,817.68 on Final Closing Disclosure provided on 10/XX/2018 not accurate. [2] Federal Compliance - TRID Final Closing Disclosure Total Amount for Recording Fees: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 10/XX/2018 disclosed the total amount for all recording fees on a line other than the first line. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-125.04 is less than amount of binding Lender Credit previously disclosed in the amount of $-998.00. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $128.00 exceeds tolerance of $106.00 plus 10% or $116.60. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The designation provided at origination differs from the one determined by the review.: The designation provided at origination differs from the one determined by the review. Federal Compliance - Ineligibility due to improperly calculating monthly obligations.: Ineligibility due to improperly calculating monthly obligations. Federal Compliance - The Escrowed Property Costs over Year 1 of 3,817.68 includes the mortgage insurance while the escrow break down of $233.26 on page 1 does not.: The Escrowed Property Costs over Year 1 of 3,817.68 includes the mortgage insurance while the escrow break down of $233.26 on page 1 does not. Federal Compliance - Seller CD including an easement recording fee not reflected on the final CD.: Seller CD including an easement recording fee not reflected on the final CD. Federal Compliance - Final Closing Disclosure provided on 10/XX/2018 disclosed a Total Interest Percentage of 96.23% that does not match the actual total interest percentage of 96.25%.: Final Closing Disclosure provided on 10/XX/2018 disclosed a Total Interest Percentage of 96.23% that does not match the actual total interest percentage of 96.25%. Federal Compliance - The Monthly Escrow Payment of $233.26 did not include the $84.88/month for mortgage insurance.: The Monthly Escrow Payment of $233.26 did not include the $84.88/month for mortgage insurance. Federal Compliance - Cure for 0% and 10% tolerance violations in the amount of $884.36 was not provided. Provide a post-close CD disclosing the tolerance cure of $884.36, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 0% and 10% tolerance violations in the amount of $884.36 was not provided. Provide a post-close CD disclosing the tolerance cure of $884.36, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - The loan file did not contain a cure in the amount of $872.96 for the binding lender credit.: The loan file did not contain a cure in the amount of $872.96 for the binding lender credit. Federal Compliance - 10% tolerance was exceeded by $11.40 due to changes in recording fees. No valid COC provided, nor evidence of cure in file.: 10% tolerance was exceeded by $11.40 due to changes in recording fees. No valid COC provided, nor evidence of cure in file.	BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000699			1								-
1450000698			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-32.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-150.00. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $23.27 exceeds tolerance of $14.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,021.25 exceeds tolerance of $3,420.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $8,298.92 and disclosure timing violations. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation of Safe Harbor QM per QM Findings.: Originator Loan Designation of Safe Harbor QM per QM Findings. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - The H-8 form was used, the H-9 form should have been used.: The H-8 form was used, the H-9 form should have been used. Federal Compliance - The file was missing documentation verifying the borrower's consent to receive electronic documentation.: The file was missing documentation verifying the borrower's consent to receive electronic documentation. Federal Compliance - Homeowners Insurance Premium (section F - pg 2) does not match the per month calculation. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Homeowners Insurance Premium (section F - pg 2) does not match the per month calculation. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Disclosure reflects TIP of 43.859% but calculated TIP is 43.752%, which is outside of .003% tolerance.: Disclosure reflects TIP of 43.859% but calculated TIP is 43.752%, which is outside of .003% tolerance. Federal Compliance - Cure of $0.00 was reflected, which is insufficient to cure $118.00. Provide a post-close CD disclosing the tolerance cure of $118.00, a copy of the refund check for remaining cure of $118.00, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure of $0.00 was reflected, which is insufficient to cure $118.00. Provide a post-close CD disclosing the tolerance cure of $118.00, a copy of the refund check for remaining cure of $118.00, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Fee disclosed was last disclosed as -$150.00 on LE but disclosed as -$32.00 on Final Closing Disclosure.: Fee disclosed was last disclosed as -$150.00 on LE but disclosed as -$32.00 on Final Closing Disclosure. Federal Compliance - Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file.: Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file. Federal Compliance - Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file.: Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file.	BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-22): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA ATR/QM
1450000697			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $710.84 exceeds tolerance of $567.00. Insufficient or no cure was provided to the borrower. [2] State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Invalid Section B Combinations: TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 07/XX/2018 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section.	Federal Compliance - Originator Loan Designation of HUD Safe Harbor QM per Compliance Analysis Report.: Originator Loan Designation of HUD Safe Harbor QM per Compliance Analysis Report. Federal Compliance - Not eligible for FHA insuring. Uninsurable FHA. Used DU however loan required manual underwriter due to insufficient assets. 203k loan and all improvements have been completed and inspected.: Not eligible for FHA insuring. Uninsurable FHA. Used DU however loan required manual underwriter due to insufficient assets. 203k loan and all improvements have been completed and inspected. Federal Compliance - Cure for the 0% tolerance violation $143.84 was not provided. Provide a post-close CD disclosing the tolerance cure of $143.84 along with a copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for the 0% tolerance violation $143.84 was not provided. Provide a post-close CD disclosing the tolerance cure of $143.84 along with a copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Section B reflects 203K Inspection and 203K Title Update fees that are paid to the lender.: Section B reflects 203K Inspection and 203K Title Update fees that are paid to the lender. Federal Compliance - Transfer Tax Fees disclosed was last disclosed as $567.00 on LE but disclosed as $710.84 on Final Closing Disclosure.: Transfer Tax Fees disclosed was last disclosed as $567.00 on LE but disclosed as $710.84 on Final Closing Disclosure. State Compliance - Missing Virginia MLBA Broker Notice document.: Missing Virginia MLBA Broker Notice document.	BUYER - GENERAL COMMENT (2019-05-17): Acknowledged REVIEWER - WAIVED COMMENT (2019-05-20): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-05-17): Waived REVIEWER - WAIVED COMMENT (2019-05-20): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-17): Waived REVIEWER - WAIVED COMMENT (2019-05-20): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-17): Waived REVIEWER - WAIVED COMMENT (2019-05-20): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-17): Waived REVIEWER - WAIVED COMMENT (2019-05-20): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-17): Waived REVIEWER - WAIVED COMMENT (2019-05-20): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. The secondary market purchase of a loan does not trigger coverage of the statute. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000696			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. Total debt to income ratio is excessive (56.166%) due to an improper property tax calculations.: Loan is no longer agency eligible - please advise which guidelines are applicable. Total debt to income ratio is excessive (56.166%) due to an improper property tax calculations. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable.	BUYER - GENERAL COMMENT (2019-05-16): Waived REVIEWER - WAIVED COMMENT (2019-05-17): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-16): Waived REVIEWER - WAIVED COMMENT (2019-05-17): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-16): Waived REVIEWER - WAIVED COMMENT (2019-05-17): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000695			1								-
1450000694			1								-
1450000693			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certification Fee. Fee Amount of $79.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The loan designation determined by the review differs from the one provided at origination.: The loan designation determined by the review differs from the one provided at origination. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible and the DTI exceeds the QM benchmark of 43%.: Loan is no longer agency eligible and the DTI exceeds the QM benchmark of 43%. Federal Compliance - Loan not eligible to be insured due to issues with entitlement allowance.: Loan not eligible to be insured due to issues with entitlement allowance. Federal Compliance - Initial escrow account statement initial deposit amount of $1,561.20 does not match charges of $1,564.86 on the Final Closing Disclosure.: Initial escrow account statement initial deposit amount of $1,561.20 does not match charges of $1,564.86 on the Final Closing Disclosure. Federal Compliance - Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment of $1,147.29 that does not match the $1,564.86 escrow payment disclosed on page 2 due to the Seller paying $417.57 of the property taxes.: Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment of $1,147.29 that does not match the $1,564.86 escrow payment disclosed on page 2 due to the Seller paying $417.57 of the property taxes. Federal Compliance - Cure for 0% tolerance violation in the amount of $79.80 was not provided. Provide a post-close CD disclosing the tolerance cure of $79.80, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to NYMT for review and disposition: Cure for 0% tolerance violation in the amount of $79.80 was not provided. Provide a post-close CD disclosing the tolerance cure of $79.80, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to NYMT for review and disposition Federal Compliance - The Tax Certification Fee of $79.80 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to NYMT for review and disposition: The Tax Certification Fee of $79.80 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to NYMT for review and disposition	BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-22): Waived REVIEWER - WAIVED COMMENT (2019-05-23): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-21): Waived REVIEWER - WAIVED COMMENT (2019-05-22): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-22): Waived REVIEWER - WAIVED COMMENT (2019-05-23): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000668			2	[2] Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section J: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/XX/2016 disclosed Total Closing Costs (Borrower-Paid) (Section J) that does not match sum of fees. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2016 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,177.25 exceeds tolerance of $1,937.00 plus 10% or $2,130.70. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,004.75 exceeds tolerance of $2,506.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Cash To Close: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed a Final value of Cash to Close that does not match the actual sum of Final cash to close figures. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed Closing Costs Financed that does not match actual amount of closing costs financed. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - File is missing evidence of the FACTA disclosure being provided to borrower: File is missing evidence of the FACTA disclosure being provided to borrower Federal Compliance - Received signed ABA from Lender which was signed at closing. Evidence of borrower's earlier receipt was not provided.: Received signed ABA from Lender which was signed at closing. Evidence of borrower's earlier receipt was not provided. Federal Compliance - The file is missing evidence of the List of Homeownership Counseling Organizations list being provided to borrower: The file is missing evidence of the List of Homeownership Counseling Organizations list being provided to borrower Federal Compliance - Borrower total closing costs per CD reflects $9430.37, calculated total closing costs $8995.36: Borrower total closing costs per CD reflects $9430.37, calculated total closing costs $8995.36 Federal Compliance - The Estimated Escrow amount disclosed in the Projected Payments section of $318.70 does not match the Estimated Taxes, Insurance & Assesments total of $337.56. Also, the escrow section on page 4 of the CD identified the Monthly Escrow Payment as $337.56.: The Estimated Escrow amount disclosed in the Projected Payments section of $318.70 does not match the Estimated Taxes, Insurance & Assesments total of $337.56. Also, the escrow section on page 4 of the CD identified the Monthly Escrow Payment as $337.56. Federal Compliance - The Estimated Escrow amount disclosed in the Projected Payments section of $318.70 does not match the Estimated Taxes, Insurance & Assesments total of $337.56. Also, the escrow section on page 4 of the CD identified the Monthly Escrow Payment as $337.56.: The Estimated Escrow amount disclosed in the Projected Payments section of $318.70 does not match the Estimated Taxes, Insurance & Assesments total of $337.56. Also, the escrow section on page 4 of the CD identified the Monthly Escrow Payment as $337.56. Federal Compliance - The total amount for the monthly escrow amount is $337.56 per month; however an escrow payment of $318.70 per month was included in the Estimated Total Monthly Payment.: The total amount for the monthly escrow amount is $337.56 per month; however an escrow payment of $318.70 per month was included in the Estimated Total Monthly Payment. Federal Compliance - Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX: Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX Federal Compliance - The amount of projected escrow payments listed on the final CD of $318.70 does not match the escrow payment of $337.56.: The amount of projected escrow payments listed on the final CD of $318.70 does not match the escrow payment of $337.56. Federal Compliance - Final cash to close on CD reflects $49,298.96, Calculated values $49,298.95: Final cash to close on CD reflects $49,298.96, Calculated values $49,298.95 Federal Compliance - The calculated financed closing costs would be $8,913.14: The calculated financed closing costs would be $8,913.14 Federal Compliance - Cure of $46.28 was reflected, which is insufficient to cure $545.30. Provide a post-close CD disclosing the tolerance cure of $545.30 a copy of the refund check for remaining cure of $499.02, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure of $46.28 was reflected, which is insufficient to cure $545.30. Provide a post-close CD disclosing the tolerance cure of $545.30 a copy of the refund check for remaining cure of $499.02, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - File is missing evidence of earlier receipt or waiver of 3 days: File is missing evidence of earlier receipt or waiver of 3 days Federal Compliance - 10% tolerance was exceeded by $46.55. No valid COC provided, nor evidence of cure in file.: 10% tolerance was exceeded by $46.55. No valid COC provided, nor evidence of cure in file. Federal Compliance - Fee disclosed was last disclosed as 2,506.00 on LE but disclosed as $3,004.75 on Final Closing Disclosure.: Fee disclosed was last disclosed as 2,506.00 on LE but disclosed as $3,004.75 on Final Closing Disclosure.	BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. SELLER - GENERAL COMMENT (2019-05-29): Corrected CD, LOE, and proof. REVIEWER - GENERAL COMMENT (2019-05-30): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. SELLER - GENERAL COMMENT (2019-07-25): see attach REVIEWER - GENERAL COMMENT (2019-07-25): Received LE's and COC, however for TRID remediation cure for this issue, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. SELLER - GENERAL COMMENT (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. No cure is required. Seller: PCCD was e-delivered. See attachments. SELLER - GENERAL COMMENT (2019-09-11): see attachment. REVIEWER - CURED COMMENT (2019-09-12): PCCD cured and the SOL has expired and the re-opening of rescission is no longer required. BUYER - GENERAL COMMENT (2019-05-30): This is a duplicate condition of 429051 REVIEWER - GENERAL COMMENT (2019-05-31): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. SELLER - GENERAL COMMENT (2019-07-25): see attach REVIEWER - GENERAL COMMENT (2019-07-25): Received LE's and COC, however for TRID remediation cure for this issue, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. SELLER - GENERAL COMMENT (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. No cure is required. Seller: PCCD was e-delivered. See attachments. SELLER - GENERAL COMMENT (2019-09-11): see attachment REVIEWER - CURED COMMENT (2019-09-12): PCCD cured and the SOL has expired and the re-opening of rescission is no longer required. BUYER - GENERAL COMMENT (2019-05-30): This is a duplicate condition- see 429051 REVIEWER - GENERAL COMMENT (2019-05-31): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. SELLER - GENERAL COMMENT (2019-07-25): Attached are the missing LE's and COC REVIEWER - GENERAL COMMENT (2019-07-25): Received LE's and COC, however for TRID remediation cure for this issue, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. BUYER - GENERAL COMMENT (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. *No cure is required. Seller: PCCD was e-delivered. See attachments. REFEF TO REMEDY DOCS PROVIDED FOR ABOVE EXCEPTION REVIEWER - CURED COMMENT (2019-09-12): PCCD cured and the SOL has expired and the re-opening of rescission is no longer required. SELLER - GENERAL COMMENT (2019-05-29): See attached LOX REVIEWER - GENERAL COMMENT (2019-05-30): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. BUYER - GENERAL COMMENT (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. *No cure is required. Seller: PCCD was e-delivered. See attachments. REFEF TO REMEDY DOCS PROVIDED FOR ABOVE EXCEPTION REVIEWER - CURED COMMENT (2019-09-12): PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-17): Waived REVIEWER - WAIVED COMMENT (2019-06-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. There is no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000667			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.	Federal Compliance - Updated appraisal dated 10/XX/2017, included updated trends for the market conditions addendum, no other changes made.: Updated appraisal dated 10/XX/2017, included updated trends for the market conditions addendum, no other changes made. Federal Compliance - The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within 3 days of originator application date.: The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within 3 days of originator application date.	BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.					-
1450000666			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Retirement Documentation: Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/XX/2018 not received by borrower at least four (4) business days prior to closing. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 08/XX/2018 received on or after the date the Closing Disclosure 8/XX/2018 12:00:00 AM was received.		BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000665			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $1,823.00 and disclosure timing violations. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/XX/2016 did not disclose number of months for homeowner's insurance under Prepaids. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2016 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.	Federal Compliance - Loan Designation not located in file.: Loan Designation not located in file. Federal Compliance - No evidence found in file as to when, if ever, the Borrowers were provided with a copy of the appraisal. Provide proof of timely delivery.: No evidence found in file as to when, if ever, the Borrowers were provided with a copy of the appraisal. Provide proof of timely delivery. Federal Compliance - No evidence found in file as to when, if ever, the Borrowers were provided with a copy of the appraisal. Provide proof of timely delivery.: No evidence found in file as to when, if ever, the Borrowers were provided with a copy of the appraisal. Provide proof of timely delivery. Federal Compliance - The file is missing documentation to verify the start and end dates for the co-borrower's prior employment to verify a 2 year employment history, as required by Appendix Q.: The file is missing documentation to verify the start and end dates for the co-borrower's prior employment to verify a 2 year employment history, as required by Appendix Q. Federal Compliance - The file was missing documentation verifying the borrowers' consent to receive electronic documentation.: The file was missing documentation verifying the borrowers' consent to receive electronic documentation. Federal Compliance - The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.: The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed $244,823.76, the incorrect amount. Provide a post-close CD correcting the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made.: The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed $244,823.76, the incorrect amount. Provide a post-close CD correcting the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Evidence of earlier borrower receipt was not found in file.: Evidence of earlier borrower receipt was not found in file.	BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-24): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is generally no Assignee Liability. There is generally no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000664			3	[3] Federal Compliance - General Ability To Repay Provision Investor Guidelines: Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.41390% or Final Disclosure APR of 6.43600% is in excess of allowable threshold of APOR 4.55% + 1.5%, or 6.05000%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - TRID Appraisal Disclosure - HPML Status: HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Servicing Disclosure Status: File does not evidence the consumer was provided with the Servicing Disclosure.	Federal Compliance - Unable to verify Lease or Rental income as the Taxes do not include a schedule E and there is no lease agreement submitted.: Unable to verify Lease or Rental income as the Taxes do not include a schedule E and there is no lease agreement submitted. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Unable to locate Loan Designation.: Unable to locate Loan Designation. Federal Compliance - Proof of appraisal receipt 3 days prior to, or at closing, was not provided.: Proof of appraisal receipt 3 days prior to, or at closing, was not provided. Federal Compliance - FACTA Disclosure was not provided in loan file.: FACTA Disclosure was not provided in loan file. Federal Compliance - Fees exceeded allowable threshold.: Fees exceeded allowable threshold. Federal Compliance - Loan file was missing Rate Lock.: Loan file was missing Rate Lock. Federal Compliance - List of Homeownership Counseling Organizations to borrower was not provided.: List of Homeownership Counseling Organizations to borrower was not provided. Federal Compliance - Proof of appraisal receipt, prior to or at closing, was not provided.: Proof of appraisal receipt, prior to or at closing, was not provided. Federal Compliance - Right to Receive Copy of Appraisal was not provided in loan file.: Right to Receive Copy of Appraisal was not provided in loan file. Federal Compliance - Appraisal Disclosure was not present in loan file.: Appraisal Disclosure was not present in loan file. Federal Compliance - The file was missing the Home Loan Toolkit.: The file was missing the Home Loan Toolkit. Federal Compliance - The file did not contain the Initial CD.: The file did not contain the Initial CD. Federal Compliance - File did not contain the RESPA Servicing Disclosure: File did not contain the RESPA Servicing Disclosure	BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-27): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. There is no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000663			2	[2] Federal Compliance - CHARM Booklet Disclosure Status: TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $24.00 exceeds tolerance of $12.00. Sufficient or excess cure was provided to the borrower at Closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $442.00 exceeds tolerance of $425.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - The file was missing a copy of the executed CHARM Disclosure or proof of the borrower's receipt within 3 days of originator application date.: The file was missing a copy of the executed CHARM Disclosure or proof of the borrower's receipt within 3 days of originator application date. Federal Compliance - Missing proof of delivery of appraisal to borrower's within 3 business days of closing.: Missing proof of delivery of appraisal to borrower's within 3 business days of closing. Federal Compliance - The file was missing a copy of the executed Affiliated Business Arrangement Disclosure or proof of the borrower's electronic receipt of the disclosure.: The file was missing a copy of the executed Affiliated Business Arrangement Disclosure or proof of the borrower's electronic receipt of the disclosure. Federal Compliance - The final CD dated 01/XX/2019 disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2861.60; however $2626.60 was collected in section F for 12 months. The amount collected in section F was equal to approximately 11 months. Referring exception to NYMT for review and whether to accept, waive or require additional information. A similar exception was waived previously by NYMT on this loan.: The final CD dated 01/XX/2019 disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2861.60; however $2626.60 was collected in section F for 12 months. The amount collected in section F was equal to approximately 11 months. Referring exception to NYMT for review and whether to accept, waive or require additional information. A similar exception was waived previously by NYMT on this loan. Federal Compliance - The final CD disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2861.60; however $2618.02 was collected in section F for 12 months. The amount collected in section F was equal to approximately 11 months, since a whole number is required to be disclosed, provide a post-close CD disclosing the full 12 month premium including $243.58 paid by the borrower before closing and a copy of the letter of explanation sent to the borrower disclosing the changes made.: The final CD disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2861.60; however $2618.02 was collected in section F for 12 months. The amount collected in section F was equal to approximately 11 months, since a whole number is required to be disclosed, provide a post-close CD disclosing the full 12 month premium including $243.58 paid by the borrower before closing and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Fee disclosed was last disclosed as $12 on LE but disclosed as $24 on Final Closing Disclosure.: Fee disclosed was last disclosed as $12 on LE but disclosed as $24 on Final Closing Disclosure. Federal Compliance - Fee disclosed was last disclosed as $425 on LE but disclosed as $442 on Final Closing Disclosure.: Fee disclosed was last disclosed as $425 on LE but disclosed as $442 on Final Closing Disclosure.	BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-31): Waived REVIEWER - WAIVED COMMENT (2019-06-03): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-05-28): Waived REVIEWER - WAIVED COMMENT (2019-05-28): The buyer has elected to waive this exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - subject to a 1 year SOL for affirmative claims under TILA				-
1450000662			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Partnership Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership). [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Loan Estimate Timing: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. [1] Federal Compliance - TRID Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [1] Federal Compliance - TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	Federal Compliance - Because loan is not agency eligible, the original designation of HUD Safe Harbor no longer applies. The designation determined by the review is non-QM.: Because loan is not agency eligible, the original designation of HUD Safe Harbor no longer applies. The designation determined by the review is non-QM. Federal Compliance - Missing income documentation for Partnership income.: Missing income documentation for Partnership income. Federal Compliance - Missing Balance Sheet for Partnership to meet Appendix Q documentation requirements.: Missing Balance Sheet for Partnership to meet Appendix Q documentation requirements. Federal Compliance - The file was missing the Loan Originator Compensation disclosure.: The file was missing the Loan Originator Compensation disclosure. Federal Compliance - Proof of appraisal receipt 3 days prior to closing was not provided.: Proof of appraisal receipt 3 days prior to closing was not provided. Federal Compliance - The initial LE was not provided to borrower within 3 days of originator application date.: The initial LE was not provided to borrower within 3 days of originator application date. Federal Compliance - The Servicing Disclosure provided did not provide proof of the borrower's receipt within 3 days of originator application date.: The Servicing Disclosure provided did not provide proof of the borrower's receipt within 3 days of originator application date.	BUYER - GENERAL COMMENT (2019-06-05): Waived REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-05): Waived REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-05): Waived REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-05): Waived REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-05): Waived REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-05): Waived REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-05): Waived REVIEWER - WAIVED COMMENT (2019-06-06): The buyer has elected to waive this exception.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000661			1								-
1450000660			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Final Closing Disclosure Discount Point Percentage: TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 03/XX/2019 did not disclose Discount Point percentage. [2] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Deposit: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2019 disclosed a Deposit that does not match the Deposit from the Calculating Cash to Close table. [2] Federal Compliance - TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit: TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2019 disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table. [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,887.16 on Final Closing Disclosure provided on 03/XX/2019 not accurate. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.60 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Due to loan no longer being agency eligible and missing income documentation, the review loan designation is Non QM.: Due to loan no longer being agency eligible and missing income documentation, the review loan designation is Non QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3% of the Federal Total Loan Amount.: Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3% of the Federal Total Loan Amount. Federal Compliance - The Final Closing Disclosure provide a dollar amount but did not provide the percentage of the Discount Point.: The Final Closing Disclosure provide a dollar amount but did not provide the percentage of the Discount Point. Federal Compliance - A seller held deposit of $10,000.00 is noted in section L, but is not reflected in the Calculating Cash to Close table.: A seller held deposit of $10,000.00 is noted in section L, but is not reflected in the Calculating Cash to Close table. Federal Compliance - The Seller Credit for Land reflected in section L of page 3 of the final CD does not match the seller credits in the Calculating Cash to Close box at the top of page 3.: The Seller Credit for Land reflected in section L of page 3 of the final CD does not match the seller credits in the Calculating Cash to Close box at the top of page 3. Federal Compliance - Tax cert in file reflects annual property taxes of .89% of the assessed fair market value or $6,274.50. Property taxes reflected on the 1008 are $10,299.96. This difference is causing the discrepancy in the Amount of Estimated Property Costs over Year 1 of 9,887.16 on the Final Closing Disclosure.: Tax cert in file reflects annual property taxes of .89% of the assessed fair market value or $6,274.50. Property taxes reflected on the 1008 are $10,299.96. This difference is causing the discrepancy in the Amount of Estimated Property Costs over Year 1 of 9,887.16 on the Final Closing Disclosure. Federal Compliance - Fee Amount of $115.60 exceeds tolerance of $75.00. A sufficient cure of $40.60 was provided to the borrower at Closing.: Fee Amount of $115.60 exceeds tolerance of $75.00. A sufficient cure of $40.60 was provided to the borrower at Closing.	BUYER - GENERAL COMMENT (2019-06-17): Acknowledged REVIEWER - WAIVED COMMENT (2019-06-18): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-06-17): Acknowledged REVIEWER - WAIVED COMMENT (2019-06-18): Buyer acknowledged the exception BUYER - GENERAL COMMENT (2019-06-17): Waived REVIEWER - WAIVED COMMENT (2019-06-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-17): Waived REVIEWER - WAIVED COMMENT (2019-06-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-17): Waived REVIEWER - WAIVED COMMENT (2019-06-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-17): Waived REVIEWER - WAIVED COMMENT (2019-06-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-17): Waived REVIEWER - WAIVED COMMENT (2019-06-18): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-17): Waived REVIEWER - WAIVED COMMENT (2019-06-18): The buyer has elected to waive this exception.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000659			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Miscellaneous Compliance - Alternate source used for application date [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [1] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower. [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Additional Property Taxes Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 did not disclose number of months for Additional Property Taxes under Prepaids. [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 did not disclose number of months for Property Tax under Prepaids.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan not eligible to be insured by FHA due to missing employee verification documentation. Unable to verify existence of previous employer from business search.: Loan not eligible to be insured by FHA due to missing employee verification documentation. Unable to verify existence of previous employer from business search. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Unable to verify existence of previous employer from business search. Employment verified with two years Schedule C and current VOE/WVOE information.: Unable to verify existence of previous employer from business search. Employment verified with two years Schedule C and current VOE/WVOE information. Federal Compliance - Unable to determine Loan Designation due to missing documents.: Unable to determine Loan Designation due to missing documents. Miscellaneous Compliance - Borrower singed initial application and dated with incorrect year of 2017 when should have been 2018. Disclosure tracking used for application date.: Borrower singed initial application and dated with incorrect year of 2017 when should have been 2018. Disclosure tracking used for application date. Federal Compliance - The Loan Origination Disclosure was not provided in the loan file.: The Loan Origination Disclosure was not provided in the loan file. Federal Compliance - The loan file is missing an Anti-Steering Disclosure.: The loan file is missing an Anti-Steering Disclosure. Federal Compliance - The Affiliated Disclosure was not signed.: The Affiliated Disclosure was not signed. Federal Compliance - The Prepaid section of the Final Closing Disclosure failed to provide the months collected for Additional Property taxes.: The Prepaid section of the Final Closing Disclosure failed to provide the months collected for Additional Property taxes. Federal Compliance - The Prepaid section of the Final Closing Disclosure failed to provide the months collected for Property taxes.: The Prepaid section of the Final Closing Disclosure failed to provide the months collected for Property taxes.	BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-25): Waived REVIEWER - WAIVED COMMENT (2019-06-26): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000658			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,091.69 exceeds tolerance of $1,073.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Designation taken from QM worksheet.: Designation taken from QM worksheet. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Uninsured due to the property being less than 12 month seasoning which should have used original appraised value, loan was closed using current appraised value.: Uninsured due to the property being less than 12 month seasoning which should have used original appraised value, loan was closed using current appraised value. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Borrower 2 was in school prior to employment beginning. Transcripts are of poor quality and dates can not be determined. Also, missing gap letter for time period between school and employment.: Borrower 2 was in school prior to employment beginning. Transcripts are of poor quality and dates can not be determined. Also, missing gap letter for time period between school and employment. Federal Compliance - Valuation provided to applicant 11/XX/2018. Effective date of 11/XX/2018 and report date of 11/XX/2018.: Valuation provided to applicant 11/XX/2018. Effective date of 11/XX/2018 and report date of 11/XX/2018. Federal Compliance - FACTA not located.: FACTA not located. Federal Compliance - Zero Percent Fee Tolerance exceeded for Transfer Tax Fee Amount of $1,091.69 exceeds tolerance of $1,073.00. Excess cure of $21 was provided to the borrower at Closing.: Zero Percent Fee Tolerance exceeded for Transfer Tax Fee Amount of $1,091.69 exceeds tolerance of $1,073.00. Excess cure of $21 was provided to the borrower at Closing.	BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The buyer has elected to waive this exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is no Assignee Liability.			Out	TILA ATR/QM
1450000657			2	[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TRID Final Closing Disclosure Prepaid City Property Tax Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 did not disclose number of months for City Property Tax under Prepaids. [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. [1] Federal Compliance - TRID Appraisal Disclosure - ECOA Timing: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Service Provider Timing: TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application. [1] Federal Compliance - TRID Servicing Disclosure Timing: File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date. [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $204.00 exceeds tolerance of $184.00 plus 10% or $202.40. Sufficient or excess cure was provided to the borrower.	Federal Compliance - Missing signature on Affiliated Business Disclosure.: Missing signature on Affiliated Business Disclosure. Federal Compliance - The loan file did not contain a Right to Received a copy of the Appraisal dated within three days of the initial application. The Loan Estimate was dated 04/XX/2019.: The loan file did not contain a Right to Received a copy of the Appraisal dated within three days of the initial application. The Loan Estimate was dated 04/XX/2019. Federal Compliance - The Hazard insurance fee collected included a $50 service charge.: The Hazard insurance fee collected included a $50 service charge. Federal Compliance - Final Closing Disclosure provided on 05/XX/2019 did not disclose number of months for City Property Tax under Prepaids.: Final Closing Disclosure provided on 05/XX/2019 did not disclose number of months for City Property Tax under Prepaids. Federal Compliance - The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded.: The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded. Federal Compliance - LE not delivered or placed in mail within 3 days of application.: LE not delivered or placed in mail within 3 days of application. Federal Compliance - The Service Providers List was not provided to the borrower within three business days of the application.: The Service Providers List was not provided to the borrower within three business days of the application. Federal Compliance - Missing Servicing Disclosure provided within 3 days of application.: Missing Servicing Disclosure provided within 3 days of application. Federal Compliance - PC CD with cure of $1.60 provided however missing Letter of Explanation, Proof of Delivery, Copy of Refund Check,: PC CD with cure of $1.60 provided however missing Letter of Explanation, Proof of Delivery, Copy of Refund Check,	BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000656			3	[3] Federal Compliance - Appendix Q Liabilities - Revolving: Qualified Mortgage (Dodd-Frank 2014): Revolving Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation. [3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - S-Corp Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp). [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $515.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Updated credit report dated 04/XX/2018 confirms XXX debt paid off. There was an LOX in regards to the business credit card states it is used sparingly and provided the months of bank statements that they actually had to make a payment. Additionally, the credit report shows it as a business debt.: Updated credit report dated 04/XX/2018 confirms XXX debt paid off. There was an LOX in regards to the business credit card states it is used sparingly and provided the months of bank statements that they actually had to make a payment. Additionally, the credit report shows it as a business debt. Federal Compliance - Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Ability to Repay and Mavent.: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Ability to Repay and Mavent. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - The 2nd appraisal report date is 4/XX/2018. The Appraisal Notice to the borrower was sent by e-mail on 4/XX/2018.: The 2nd appraisal report date is 4/XX/2018. The Appraisal Notice to the borrower was sent by e-mail on 4/XX/2018. Federal Compliance - The Final CD disclosed the Closing Date as 4/XX/2018. The mortgage was notarized on 4/XX/2018.: The Final CD disclosed the Closing Date as 4/XX/2018. The mortgage was notarized on 4/XX/2018. Federal Compliance - Cure for various 0% tolerance violations in the amount of $515.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $515.00, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for various 0% tolerance violations in the amount of $515.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $515.00, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.	BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-01): Buyer has acknowledged and is waiving the exception without compensating factors BUYER - GENERAL COMMENT (2019-06-28): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-01): Buyer has acknowledged and is waiving the exception BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Acknowledged REVIEWER - GENERAL COMMENT (2019-07-01): Buyer has acknowledged and is waiving the exception BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-06-28): Waived REVIEWER - WAIVED COMMENT (2019-07-01): The Client has elected to waive this exception without compensating factors.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000577			1								-
1450000576			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 10/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines: Loan is no longer agency eligible - please advise which guidelines are applicable Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines: Loan is no longer agency eligible - please advise which guidelines are applicable Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Date valuation provided to applicant is prior to the date when valuation was performed. Please provided preliminary appraisal.: Date valuation provided to applicant is prior to the date when valuation was performed. Please provided preliminary appraisal. Federal Compliance - The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was $981.79 ($81.81 per month). Policy in file reflects $993.05 ($82.75 monthly). Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.: The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was $981.79 ($81.81 per month). Policy in file reflects $993.05 ($82.75 monthly). Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.	BUYER - GENERAL COMMENT (2019-07-02): Waived REVIEWER - WAIVED COMMENT (2019-07-02): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-07-02): Waived REVIEWER - WAIVED COMMENT (2019-07-02): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-07-02): Waived REVIEWER - WAIVED COMMENT (2019-07-02): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-07-02): Waived REVIEWER - WAIVED COMMENT (2019-07-02): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-07-02): Waived REVIEWER - WAIVED COMMENT (2019-07-02): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-07-02): Waived REVIEWER - WAIVED COMMENT (2019-07-02): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000575			1								-
1450000574			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - TILA NMLSR - Individual Originator NMLS information on documents does not match NMLS website: Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] State Compliance - Ohio Consumer Sales Practices Act (Acknowledgement of Receipt of Home Mortgage Loan Information Document Not Retained by Lender): Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender. [1] State Compliance - Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis): Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $9,610.50 and disclosure timing violations. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 03/XX/2019 received on or after the date the Closing Disclosure 3/XX/2019 12:00:00 AM was received.	Federal Compliance - Originator Loan Designation of VA Safe Harbor QM per Mavent.: Originator Loan Designation of VA Safe Harbor QM per Mavent. Federal Compliance - Individual Loan Originator NMLSR information on the 1003 does not match NMLSR.: Individual Loan Originator NMLSR information on the 1003 does not match NMLSR. Federal Compliance - Subject loan is not eligible to be insured or guaranteed by VA due to not meeting the GNMA 210 day refi seasoning requirement.: Subject loan is not eligible to be insured or guaranteed by VA due to not meeting the GNMA 210 day refi seasoning requirement. Federal Compliance - Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.: Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided. State Compliance - The file was missing proof of the borrower's receipt of the Your Home Loan Toolkit disclosure within 3 days of originator application date.: The file was missing proof of the borrower's receipt of the Your Home Loan Toolkit disclosure within 3 days of originator application date. State Compliance - The file was missing documentation of the analysis of the borrower's reasonable tangible net benefit.: The file was missing documentation of the analysis of the borrower's reasonable tangible net benefit. Federal Compliance - Missing List of Homeownership Counseling Organizations or proof of the borrower's receipt within 3 days of originator application date.: Missing List of Homeownership Counseling Organizations or proof of the borrower's receipt within 3 days of originator application date. Federal Compliance - Lender issued disclosures electronically prior to receiving consent for electronic disclosure from borrwer. As a result, initial rendered invalid for baseline testing.: Lender issued disclosures electronically prior to receiving consent for electronic disclosure from borrwer. As a result, initial rendered invalid for baseline testing. Federal Compliance - LE not delivered within 3 business days of application. Initial LE was electronically provided without or prior to borrower's consent to receive electronic disclosures.: LE not delivered within 3 business days of application. Initial LE was electronically provided without or prior to borrower's consent to receive electronic disclosures. Federal Compliance - Revised LE received on or after the date the initial CD was received.: Revised LE received on or after the date the initial CD was received.	BUYER - GENERAL COMMENT (2019-07-12): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Waived REVIEWER - WAIVED COMMENT (2019-07-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Waived REVIEWER - WAIVED COMMENT (2019-07-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Waived REVIEWER - WAIVED COMMENT (2019-07-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Waived REVIEWER - WAIVED COMMENT (2019-07-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Waived REVIEWER - WAIVED COMMENT (2019-07-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Waived REVIEWER - WAIVED COMMENT (2019-07-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-12): Waived REVIEWER - WAIVED COMMENT (2019-07-15): The Client has elected to waive this exception without compensating factors.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. The Consumer Sales Practices Act (CSPA) generally does not provide for assignee liability. The Act provides that no claim or defense may be asserted under the Act by the Attorney General or any consumer against a purchaser or assignee of a mortgage loan for value for any action under the statute unless: (a) the violation was committed by the purchaser or assignee; or (b) the assignee or purchaser is affiliated by common control with the seller of the loan at the time the loan was purchased or assigned. The CSPA gives authority to the Office to bring class actions, grant injunctions, and levy monetary fines. Additionally, the CSPA provides borrowers with a private right of action. Therefore, it is possible that any action commenced under the CSPA could result in reputational damage. Moreover, note that since the borrower is allowed to seek equitable remedies in a court of law as part of the private right of action, a court could reform the loan terms which could impact purchasers. Therefore, if the seller cannot be compelled to repurchase the loan, the assignee could face exposure. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000573			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM. [2] State Compliance - Colorado Home Loan (Ability to Repay not Verified): Colorado Home Loan (HB1322): Borrower's ability to repay not verified with reliable documentation. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $2,400.00 on Final Closing Disclosure provided on 04/XX/2018 not accurate. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,414.00 exceeds tolerance of $1,064.00 plus 10% or $1,170.40. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title Misc. Fees. Fee Amount of $13.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Federal Compliance - A letter from the Lender dated 7/XX/23019 is provided (#0231) indicating the loan is not eligible for mortgage insurance through FHA. Loan is no longer agency eligible - please advise which guidelines are applicable.: A letter from the Lender dated 7/XX/23019 is provided (#0231) indicating the loan is not eligible for mortgage insurance through FHA. Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Client provided guidelines to review and designation was updated to Non-QM: Client provided guidelines to review and designation was updated to Non-QM State Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Evidence of the Loan Originator Compensation is not included in the file.: Evidence of the Loan Originator Compensation is not included in the file. Federal Compliance - The Affiliated Business Arrangement Disclosure included was provided to the Borrowers at closing.: The Affiliated Business Arrangement Disclosure included was provided to the Borrowers at closing. Federal Compliance - The Final Closing Disclosure reflects the Non-Escrowed Property Costs over Year 1 as $2400, the appraisal indicates the HOA dues are $185 a month or $2220 annually.: The Final Closing Disclosure reflects the Non-Escrowed Property Costs over Year 1 as $2400, the appraisal indicates the HOA dues are $185 a month or $2220 annually. Federal Compliance - Cure for 0% and 10% tolerance violations in the amount of $256.60 was not provided. Provide a post-close CD disclosing the tolerance cure of $256.60, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 0% and 10% tolerance violations in the amount of $256.60 was not provided. Provide a post-close CD disclosing the tolerance cure of $256.60, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Evidence of the Home Loan Toolkit Disclosure provided to the Borrower is not included in the file.: Evidence of the Home Loan Toolkit Disclosure provided to the Borrower is not included in the file. Federal Compliance - 10% tolerance was exceeded by $243.60. No valid COC provided, nor evidence of cure in file.: 10% tolerance was exceeded by $243.60. No valid COC provided, nor evidence of cure in file. Federal Compliance - 0% tolerance was exceeded by $13 due to miscellaneous Title fees. No valid COC provided, nor evidence of cure in file.: 0% tolerance was exceeded by $13 due to miscellaneous Title fees. No valid COC provided, nor evidence of cure in file.	BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): TRID Tolerance Evidence REVIEWER - GENERAL COMMENT (2019-07-22): Reviewed entire image file. No additional documentation was provided SELLER - GENERAL COMMENT (2019-07-22): remedy doc attached REVIEWER - GENERAL COMMENT (2019-07-23): Received PCCD dated 07/XX/2019. PCCD is Non-TRID compliant as the borrower chose the title servicer from the SSPL list, therefore, the title fees need to remain in section B. Condition remains. BUYER - GENERAL COMMENT (2019-07-23): Waived REVIEWER - WAIVED COMMENT (2019-07-24): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-17): Waived REVIEWER - WAIVED COMMENT (2019-07-18): The Client has elected to waive this exception without compensating factors.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000572	Appraiser license was not active at time of appraisal.	BUYER - GENERAL COMMENT (2019-07-16): Waived REVIEWER - WAIVED COMMENT (2019-07-17): The Client has elected to waive this exception without compensating factors.	2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $301.14 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Alternate Table Usage: TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2017 did not disclose number of months for homeowner's insurance under Prepaids. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The CD dated 3/XX/2017 did not reflect the Calculating Cash to Close without a seller table whereas all of the Loan Estimate's and Closing Disclosure were generated without a seller Calculating cash to close table.: The CD dated 3/XX/2017 did not reflect the Calculating Cash to Close without a seller table whereas all of the Loan Estimate's and Closing Disclosure were generated without a seller Calculating cash to close table. Federal Compliance - The final CD does not reflect the number of months collected for the Hazard Insurance premium in the Prepaids section of the disclosure.: The final CD does not reflect the number of months collected for the Hazard Insurance premium in the Prepaids section of the disclosure. Federal Compliance - Cure for the 0% tolerance violation in the amount of $301.14 was not provided. Provide a post-close CD disclosing the tolerance cure of $301.14, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for the 0% tolerance violation in the amount of $301.14 was not provided. Provide a post-close CD disclosing the tolerance cure of $301.14, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - The 0% tolerance was exceeded by $301.14 due to the Loan Discount Points. No valid COC provided, nor evidence of cure in file.: The 0% tolerance was exceeded by $301.14 due to the Loan Discount Points. No valid COC provided, nor evidence of cure in file.	BUYER - GENERAL COMMENT (2019-07-16): Waived REVIEWER - WAIVED COMMENT (2019-07-17): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-17): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-16): Waived REVIEWER - WAIVED COMMENT (2019-07-17): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-16): Waived REVIEWER - WAIVED COMMENT (2019-07-17): The Client has elected to waive this exception without compensating factors.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000571			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional employment verification would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional employment verification would be required. Federal Compliance - Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of PA.: Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of PA.	BUYER - GENERAL COMMENT (2019-07-18): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-19): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-18): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-19): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-18): Waived REVIEWER - WAIVED COMMENT (2019-07-19): The Client has elected to waive this exception without compensating factors.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000570			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-125.00. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. Not employed for all of last two years.: Loan is no longer agency eligible - please advise which guidelines are applicable. Not employed for all of last two years. Federal Compliance - Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX.: Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX. Federal Compliance - There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.: There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation. Federal Compliance - The file is missing a copy of the required Loan Originator Compensation disclosure.: The file is missing a copy of the required Loan Originator Compensation disclosure. Federal Compliance - Cure for 0% tolerance violations in the amount of $125.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $125.00, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 0% tolerance violations in the amount of $125.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $125.00, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-125.00. File does not contain a valid COC for this fee, nor evidence of cure.: Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-125.00. File does not contain a valid COC for this fee, nor evidence of cure.	BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors. SELLER - GENERAL COMMENT (2019-07-22): 7/22: please see our attached CD addendum which shows the entirety of the interest rate credit is not being applied to the broker compensation in the amount of $4565 but in the amount of 3884.40, the additional amount is coming from the origination fee and those two items total 4565. They should not be counted twice while calculating this test. Please review the cd addendum and clear this condition. Thank you, REVIEWER - GENERAL COMMENT (2019-07-23): Reviewed CD addendum. Unable to clear condition as the credit reflected on the document only indicates the credit is for the broker's actual YSP. Condition remains. BUYER - GENERAL COMMENT (2019-07-29): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000569			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 12/XX/2017 received on or after the date the Closing Disclosure 12/XX/2017 12:00:00 AM was received.	Federal Compliance - Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of MI.: Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of MI. Federal Compliance - The LE issued on 12/XX/2017 was received on 12/XX/2017. The Initial CD was issued on 12/XX/2017.: The LE issued on 12/XX/2017 was received on 12/XX/2017. The Initial CD was issued on 12/XX/2017.	BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000568			2	[2] Federal Compliance - TRID Final Closing Disclosure did not itemize credits for specific fees in the "Paid by Others" column, or "Seller Paid" column, on the final CD provided to the Consumer [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Closing Disclosure Partial Lump Sum Credit: Partial Lump Sum Credit Allocation on Separate Itemization - Compliance Review Required [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Cash To Close: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Alternative documentation provided to identify the paid by entity for Finance Charge Consideration: Alternative documentation provided to identify the paid by entity for Finance Charge Consideration Federal Compliance - On page three, Calculation Cash to Close reflects $22,979.71, however Summaries reflects $838.48.: On page three, Calculation Cash to Close reflects $22,979.71, however Summaries reflects $838.48. Federal Compliance - Erroneous Reg ID 3060. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller in the state of IL. The borrower paid portion was properly disclosed.: Erroneous Reg ID 3060. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller in the state of IL. The borrower paid portion was properly disclosed. Federal Compliance - Addendum provided to evidence seller paid fees: Addendum provided to evidence seller paid fees Federal Compliance - Partial payment of $1695 towards the Loan discount fee of $6198.: Partial payment of $1695 towards the Loan discount fee of $6198.	BUYER - GENERAL COMMENT (2019-07-23): Waived REVIEWER - WAIVED COMMENT (2019-07-24): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-23): Waived REVIEWER - WAIVED COMMENT (2019-07-24): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-23): Waived REVIEWER - WAIVED COMMENT (2019-07-24): The Client has elected to waive this exception without compensating factors.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee Liability TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000567			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [2] Federal Compliance - TRID Final Closing Disclosure Homeowners Insurance Included In Escrow: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether Homeowners Insurance is included in escrow. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation not provided.: Originator Loan Designation not provided. Federal Compliance - There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.: There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation. Federal Compliance - Walls-in insurance is disclosed on page 1 of the CD as "Other", not Homeowner's Insurance, which is causing this exception.: Walls-in insurance is disclosed on page 1 of the CD as "Other", not Homeowner's Insurance, which is causing this exception. Federal Compliance - Final Closing Disclosure provided on 03/XX/2019 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.: Final Closing Disclosure provided on 03/XX/2019 did not disclose an amount by which the Total Closing Costs exceeded the legal limit. Federal Compliance - There is an addendum to the CD which discloses an additional $1,000.00. in Seller paid fees. These fees are not paid by the seller on page 2 of the Final CD.: There is an addendum to the CD which discloses an additional $1,000.00. in Seller paid fees. These fees are not paid by the seller on page 2 of the Final CD.	BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Acknowledged REVIEWER - WAIVED COMMENT (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000566			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.	Federal Compliance - .Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.: .Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings. Federal Compliance - Document did not provide 10 business days.: Document did not provide 10 business days.	BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-19): Waived REVIEWER - WAIVED COMMENT (2019-07-22): The Client has elected to waive this exception without compensating factors.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.			Out	TILA ATR/QM
1450000565			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Federal Compliance - Originator Loan Designation of HUD Safe Harbor QM per Mavent.: Originator Loan Designation of HUD Safe Harbor QM per Mavent. Federal Compliance - Less than 90 days passed from when the Seller acquired property on 2/XX/2019 and the Purchase Agreement was signed on 4/XX/2019.: Less than 90 days passed from when the Seller acquired property on 2/XX/2019 and the Purchase Agreement was signed on 4/XX/2019. Federal Compliance - Evidence of earlier borrower receipt was not found in file.: Evidence of earlier borrower receipt was not found in file.	BUYER - GENERAL COMMENT (2019-07-24): Waived REVIEWER - WAIVED COMMENT (2019-07-25): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-24): Waived REVIEWER - WAIVED COMMENT (2019-07-25): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-24): Waived REVIEWER - WAIVED COMMENT (2019-07-25): The Client has elected to waive this exception without compensating factors.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000564			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 04/XX/2019 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $4,418.79 and disclosure timing violations. [1] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2019 incorrectly disclosed whether the loan allows for Assumption. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/XX/2019 did not disclose number of months for homeowner's insurance under Prepaids. [1] Federal Compliance - TRID Final Closing Disclosure Late Payment Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2019 incorrectly disclosed the terms of the Late Payment. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The file is missing evidence of delivery to the borrower.: The file is missing evidence of delivery to the borrower. Federal Compliance - The file was missing documentation verifying the borrower's consent to receive electronic documentation.: The file was missing documentation verifying the borrower's consent to receive electronic documentation. Federal Compliance - The note is not assumable however Final CD will allow assumability.: The note is not assumable however Final CD will allow assumability. Federal Compliance - The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.: The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Note reflects 5% and Final CD reflects 4%.: Note reflects 5% and Final CD reflects 4%. Federal Compliance - No seller paid fees reflected on Final CD.: No seller paid fees reflected on Final CD. Federal Compliance - Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file. Violation amount is $2.54.: Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file. Violation amount is $2.54.	BUYER - GENERAL COMMENT (2019-07-30): Waived - 2 REVIEWER - WAIVED COMMENT (2019-07-31): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-31): Waived - seller paid fees REVIEWER - WAIVED COMMENT (2019-08-01): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-30): Waived - 1 REVIEWER - WAIVED COMMENT (2019-07-31): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-30): Waived - 1 REVIEWER - WAIVED COMMENT (2019-07-31): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-30): Waived - 1 REVIEWER - WAIVED COMMENT (2019-07-31): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-30): Waived - 1 REVIEWER - WAIVED COMMENT (2019-07-31): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-30): Waived - 1 REVIEWER - WAIVED COMMENT (2019-07-31): The Client has elected to waive this exception without compensating factors.	There is generally no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000563			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - Income Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [2] Federal Compliance - RESPA (2010) - 0% Tolerance (Line 1203) With Cure: RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1 [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $311,743.32 is underdisclosed from calculated Finance Charge of $312,413.10 in the amount of $XXX. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. [1] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Missing evidence borrower was provided copy of appraisal at or before closing.: Missing evidence borrower was provided copy of appraisal at or before closing. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Cure provided on HUD for Transfer Tax fee.: Cure provided on HUD for Transfer Tax fee. Federal Compliance - Missing HUD Settlement Cost Booklet.: Missing HUD Settlement Cost Booklet. Federal Compliance - XXX: XXX	BUYER - GENERAL COMMENT (2019-07-29): Waived - S&D, priced as Non ATR / Non QM REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - S&D, also priced as Non ATR / Non QM REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - S&D Reason, also priced as Non ATR / Non QM REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - S&D reason, also priced as Non ATR / Non QM REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - S&D Reason, also priced as Non ATR / Non QM REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. REVIEWER - CURED COMMENT (2019-07-26): Cure provided on Final HUD for increase of Transfer Tax fee. BUYER - GENERAL COMMENT (2019-07-29): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - AMC DD EV 1 REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-07-29): Waived - S&D, priced as Non ATR / Non QM REVIEWER - WAIVED COMMENT (2019-07-30): The Client has elected to waive this exception without compensating factors.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. There is generally no Assignee Liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000370			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Final Closing Disclosure With Seller Change - Seller Credit: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Seller Credit. [1] Federal Compliance - TRID Invalid Section A Combinations: TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 05/XX/2019 reflects a Paid To party other than to lender or broker for fee within Origination Charges.	Federal Compliance - The Lender's High Cost Analysis reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of Safe Harbor QM.: The Lender's High Cost Analysis reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of Safe Harbor QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - Erroneous Reg ID 3060. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller in the state of VA. The borrower paid portion was properly disclosed.: Erroneous Reg ID 3060. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller in the state of VA. The borrower paid portion was properly disclosed. Federal Compliance - The Calculating Cash to Close Table on page 3 of the Final CD disclosed there was change in the Seller Credits from the LE to the Final CD when there was no change.: The Calculating Cash to Close Table on page 3 of the Final CD disclosed there was change in the Seller Credits from the LE to the Final CD when there was no change. Federal Compliance - The Counseling Fee, Flood Transfer Fee, and Funding Fee were disclosed in section A. These fees are not considered Origination Charges. A post-close CD moving the fees to the correct section and a copy of the letter of explanation sent to the borrower was provided.: The Counseling Fee, Flood Transfer Fee, and Funding Fee were disclosed in section A. These fees are not considered Origination Charges. A post-close CD moving the fees to the correct section and a copy of the letter of explanation sent to the borrower was provided.	BUYER - GENERAL COMMENT (2019-08-13): Acknowledged REVIEWER - GENERAL COMMENT (2019-08-15): Client acknowledges. Exception remains. REVIEWER - WAIVED COMMENT (2019-08-16): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-08-13): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-08-15): Client elects to waive. BUYER - GENERAL COMMENT (2019-08-13): Acknowledged REVIEWER - GENERAL COMMENT (2019-08-15): Client acknowledges. Exception remains. REVIEWER - WAIVED COMMENT (2019-08-16): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-08-13): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-08-15): Client elects to waive.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000369			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] State Compliance - (State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided): Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for. [2] State Compliance - Maryland HPML Threshold Test Non-Compliant: Maryland Higher-Priced Mortgage Loan: APR on subject loan of 6.23970% or Final Disclosure APR of 6.26400% is in excess of allowable threshold of APOR 4.65% + 1.5%, or 6.15000%. Non-Compliant Higher Priced Loan. [1] Federal Compliance - TRID Final Closing Disclosure Assumption: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2019 incorrectly disclosed whether the loan allows for Assumption. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		BUYER - GENERAL COMMENT (2019-08-13): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-13): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-13): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-13): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-13): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-13): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-15): The Client has elected to waive this exception without compensating factors.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Assignee liability is unclear. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000368			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	Federal Compliance - Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.: Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.	BUYER - GENERAL COMMENT (2019-08-19): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors.	There is generally no Assignee Liability.				-
1450000367			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	Federal Compliance - Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.: Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.	BUYER - GENERAL COMMENT (2019-08-19): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors.	There is generally no Assignee Liability.				-
1450000366			1								-
1450000365			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-110.00. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $235.00 exceeds tolerance of $160.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $99.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The final CD does not reflect a cure for the tolerance issues.: The final CD does not reflect a cure for the tolerance issues. Federal Compliance - There is no change of circumstance for the change in lender credit.: There is no change of circumstance for the change in lender credit. Federal Compliance - Fee Amount of $235.00 exceeds tolerance of $160.00.: Fee Amount of $235.00 exceeds tolerance of $160.00. Federal Compliance - Fee Amount of $99.95 exceeds tolerance of $0.00.: Fee Amount of $99.95 exceeds tolerance of $0.00.	BUYER - GENERAL COMMENT (2019-08-19): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-19): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-19): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-19): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-19): Waived - 1 REVIEWER - WAIVED COMMENT (2019-08-20): The Client has elected to waive this exception without compensating factors.	There is generally no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000364			2	[2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-465.00. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $655.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,061.16 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 11/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The disclosure was not evidenced in the loan file.: The disclosure was not evidenced in the loan file. Federal Compliance - The disclosure was dated 10/XX/18 and the initial application date was 10/XX/19.: The disclosure was dated 10/XX/18 and the initial application date was 10/XX/19. Federal Compliance - Per the hazard policy, the full premium was $1447 annually and no updated policy was evidenced in the loan file. The initial escrow pmt (section G of the CD) was based on the premium of $1447 or 120.58 monthly; however, the premium shown as paid in section F of the CD was $1729.92.: Per the hazard policy, the full premium was $1447 annually and no updated policy was evidenced in the loan file. The initial escrow pmt (section G of the CD) was based on the premium of $1447 or 120.58 monthly; however, the premium shown as paid in section F of the CD was $1729.92. Federal Compliance - The cure given at closing was not sufficient to cover the various tolerance violations.: The cure given at closing was not sufficient to cover the various tolerance violations. Federal Compliance - The violation is due to the lender credit being reduced from -$465 to -$105.: The violation is due to the lender credit being reduced from -$465 to -$105. Federal Compliance - Zero percent tolerance was exceeded by $105.: Zero percent tolerance was exceeded by $105. Federal Compliance - Although a change of circumstance (Re-Lock) is documented in the file on 11/XX/18, the CD dated 11/XX/18 indicates a closing date of 11/XX/18 which precedes the issue date of the CD. Lender to provide an attestation indicating this was an error and what the intended closing date was for re-evaluation of ability to re-baseline the applicable fees.: Although a change of circumstance (Re-Lock) is documented in the file on 11/XX/18, the CD dated 11/XX/18 indicates a closing date of 11/XX/18 which precedes the issue date of the CD. Lender to provide an attestation indicating this was an error and what the intended closing date was for re-evaluation of ability to re-baseline the applicable fees.	BUYER - GENERAL COMMENT (2019-08-20): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-08-21): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-20): Acknowledged - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-08-21): The Client has acknowledged this exception and is electing to waive it without compensating factors. BUYER - GENERAL COMMENT (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-08-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-08-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-08-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-08-22): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-08-22): The Client has elected to waive this exception without compensating factors.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000363			2	[2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2019) (an overage of $XXX or XXX%).	Federal Compliance - XXX: XXX	BUYER - GENERAL COMMENT (2019-08-22): Waived - AMC DD EV 2. Non QM, priced as Non ATR & Non QM. REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.					-
1450000362			2	[2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2019) (an overage of $XXX or XXX%).	Federal Compliance - File is missing documentation identifying when each appraisal issued was provided to the borrower. Provide documentation that supports the dates the appraisals were delivered.: File is missing documentation identifying when each appraisal issued was provided to the borrower. Provide documentation that supports the dates the appraisals were delivered.	BUYER - GENERAL COMMENT (2019-08-22): Waived - AMC DD EV 2. REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-22): Waived - Non QM, also priced as Non ATR. REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.					-
1450000361			2	[2] State Compliance - California Prepayment Penalty: California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law. [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2019) (an overage of $XXX or XXX%).		BUYER - GENERAL COMMENT (2019-08-22): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-22): Waived - NON QM, also priced as Non ATR. REVIEWER - WAIVED COMMENT (2019-08-23): The Client has elected to waive this exception without compensating factors.					-
1450000360			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.	Federal Compliance - Originator Loan Designation of HUD Safe Harbor QM per High Cost Analysis.: Originator Loan Designation of HUD Safe Harbor QM per High Cost Analysis. Federal Compliance - Loan not eligible to be insured by FHA.: Loan not eligible to be insured by FHA. Federal Compliance - There is no evidence in the file as to when, if ever, the appraisal was provided to the Borrower.: There is no evidence in the file as to when, if ever, the appraisal was provided to the Borrower. Federal Compliance - The loan file is missing the Case Number Assignment dated prior to closing.: The loan file is missing the Case Number Assignment dated prior to closing.	BUYER - GENERAL COMMENT (2019-08-23): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-23): Waived - uninsured REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-23): Waived - 2 REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2019-08-23): Waived - 1 REVIEWER - WAIVED COMMENT (2019-08-26): The Client has elected to waive this exception without compensating factors.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is generally no Assignee Liability.			Out	TILA ATR/QM
1450000351			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - The disclosure summary confirms date the appraisal was sent but does not confirm the date the appraisal was received.: The disclosure summary confirms date the appraisal was sent but does not confirm the date the appraisal was received. Federal Compliance - Erroneous Reg ID 2933. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller.: Erroneous Reg ID 2933. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller.	BUYER - GENERAL COMMENT (2019-09-03): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-09-09): Client requests to waive the condition. BUYER - GENERAL COMMENT (2019-09-03): Waived - 1 REVIEWER - WAIVED COMMENT (2019-09-09): Client requests to waive the condition.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000350			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] State Compliance - (State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided): Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		BUYER - GENERAL COMMENT (2019-09-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-09-18): Client acknowledged the condition BUYER - GENERAL COMMENT (2019-09-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-09-18): Client acknowledged the condition BUYER - GENERAL COMMENT (2019-09-16): Waived - Duplicate REVIEWER - WAIVED COMMENT (2019-09-18): Client elected to waive the condition SELLER - GENERAL COMMENT (2019-09-18): see attached REVIEWER - GENERAL COMMENT (2019-09-23): Updated from: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). SELLER - GENERAL COMMENT (2019-09-24): see attached REVIEWER - GENERAL COMMENT (2019-09-25): Lender provided title invoice stating the $48.67 underwriter portion was paid to a non-affiliate. This does not state who paid what. Lender to provide final closing statement reflecting what was paid. Exception remains. SELLER - GENERAL COMMENT (2019-09-25): see attached REVIEWER - GENERAL COMMENT (2019-09-27): Need seller/client to provide invoice or breakdown of which portion of the lender's title insurance was paid to the affiliate and which portion was paid to the unaffiliated third party.	HB 649 does not contain express provisions for assignee liability. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000349			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		BUYER - GENERAL COMMENT (2019-09-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-09-18): Client acknowledged the condition BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-09-18): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-09-18): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000348			1	[1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Split partially paid before closing.: Split partially paid before closing. Federal Compliance - Tip taken from final CD.: Tip taken from final CD. Federal Compliance - Total closing costs exceeded the legal limit taken from final CD.: Total closing costs exceeded the legal limit taken from final CD.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000347		BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.	3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $973.64 exceeds tolerance of $549.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		BUYER - GENERAL COMMENT (2019-09-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges exception. BUYER - GENERAL COMMENT (2019-09-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges exception. BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive. BUYER - GENERAL COMMENT (2019-09-16): Waived - Loan was closed using agency guidelines so no additional documents can be supplied. REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive. BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-09-18): Client elects to waive the condition BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000346			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2019). Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2019) (an overage of $XXX or XXX%). [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Final Closing Disclosure Borrower Paid Other Costs Total Section I: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed Total Other Costs (Borrower-Paid) (Section I) that does not match sum of fees. [2] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed Total Closing Costs (Paid by Borrower at Closing) that does not match sum of fees. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2019 incorrectly disclosed whether the loan will have an escrow account. [2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow Account: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2019 incorrectly disclosed whether the loan will have an escrow account. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $1,020.94 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Interest: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed prepaid interest under Prepaids that does not match calculated figures. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID non-compliant: Fees were not reflected in the correct section of the disclosure.		BUYER - GENERAL COMMENT (2019-09-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges exception. BUYER - GENERAL COMMENT (2019-09-16): Acknowledged REVIEWER - WAIVED COMMENT (2019-09-19): Client acknowledges exception. BUYER - GENERAL COMMENT (2019-09-24): Please confirm what fees you are including in the points and fees testing. SELLER - GENERAL COMMENT (2019-09-25): see attached REVIEWER - GENERAL COMMENT (2019-09-27): SitusAMC included the Loan Origination charges in the amount of $1,020.94 and the Broker Compensation of $2,875 in the QM pts and fees test pursuant to 1026.43(b)(9) which refers to the pts and fees definition under 1026.32(b)(1). Total points and fees of $3,895.94 exceeds the maximum of $3,232 for loan amounts greater than or equal to $64,648 and less than $107,747. We are unable to identify any itemized credits on the final CD that could be applied to offset the QM pts and fees. BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive. BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive. BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-09-19): Client elects to waive. BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-09-24): Client elects to waive the condition BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-09-24): Client elects to waive the condition BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-09-24): Client elects to waive the condition	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000345			2	[2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $132.00 on Final Closing Disclosure provided on 06/XX/2019 not accurate. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $132 on page 4; however the HOA dues are $126 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $132 on page 4; however the HOA dues are $126 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Federal Compliance - The final CD did not provide a dollar amount by which total closing costs were exceeded.: The final CD did not provide a dollar amount by which total closing costs were exceeded.	BUYER - GENERAL COMMENT (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - GENERAL COMMENT (2019-09-18): Escalated to CSM REVIEWER - WAIVED COMMENT (2019-09-18): Client elects to waive the condition.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000344			1								-
1450000343			1	[1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	Federal Compliance - TIP calculation was does not match the amount entered. Closing Disclosure Total Interest Percentage 93.12900% < Math Closing Disclosure Total Interest Percentage 93.13300%: TIP calculation was does not match the amount entered. Closing Disclosure Total Interest Percentage 93.12900% < Math Closing Disclosure Total Interest Percentage 93.13300%		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000342			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Erroneous Reg ID 3060. A portion of the Document preparation fee was seller paid, and is customarily paid by Seller in the state of TX. The borrower paid portion was properly disclosed.: Erroneous Reg ID 3060. A portion of the Document preparation fee was seller paid, and is customarily paid by Seller in the state of TX. The borrower paid portion was properly disclosed. Federal Compliance - Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.	BUYER - GENERAL COMMENT (2019-09-19): Waived - No assignee liability, seller has been notified. S&D, priced as Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2019-09-20): Client waives exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000341	Unable to locate license for Appraiser.	BUYER - GENERAL COMMENT (2019-09-20): Waived - no remedy possible REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition	3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $1,584.00 on Final Closing Disclosure provided on 03/XX/2017 not accurate. [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	Federal Compliance - Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Ability to Repay worksheet.: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Ability to Repay worksheet. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - DTI exceeded threshold.Loan is no longer agency eligible - please advise which guidelines are applicable.: DTI exceeded threshold.Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Notice Of Special Flood Hazards Disclosure Provided Date 3/XX/17.: Notice Of Special Flood Hazards Disclosure Provided Date 3/XX/17. Federal Compliance - The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $1,584.00 on page 4; however the HOA dues are $1,596.00 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $1,584.00 on page 4; however the HOA dues are $1,596.00 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Federal Compliance - Home Loan Toolkit not provided within 3 business days of application.: Home Loan Toolkit not provided within 3 business days of application.	BUYER - GENERAL COMMENT (2019-09-20): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-09-20): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-09-20): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-09-20): Waived - 2 REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-09-23): A CD correcting the Non-Escrowed Property Costs over Year 1 to reflect $1596 was not provided and or obtained. REVIEWER - GENERAL COMMENT (2019-09-23): SitusAMC received comment that corrected CD was not provided. BUYER - GENERAL COMMENT (2019-09-24): The Non-Escrowed Property Costs over Year 1 of $1584 figure is based on using $132 monthly which are the HOA fees rounded down from the $132.58. REVIEWER - GENERAL COMMENT (2019-09-25): Client has elected to allow a $0.02 variance in monthly property costs. Corrected CD and LOE required to cure. BUYER - GENERAL COMMENT (2019-09-26): Waived - 2 REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-09-20): Waived - 1 REVIEWER - WAIVED COMMENT (2019-09-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-09-20): Waived - 1 REVIEWER - WAIVED COMMENT (2019-09-23): Client waives exception. BUYER - GENERAL COMMENT (2019-09-20): Waived - 1 REVIEWER - WAIVED COMMENT (2019-09-23): Client waives exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Liability for violations cannot be transferred to a subsequent purchaser of a loan. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is no Assignee Liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000340			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.		BUYER - GENERAL COMMENT (2019-09-25): Acknowledged REVIEWER - GENERAL COMMENT (2019-10-01): Client acknowledged BUYER - GENERAL COMMENT (2019-09-25): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-01): Client elects to waive.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA ATR/QM
1450000339			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - HUD QM Points and Fees: HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.31620% or Final Disclosure APR of 6.39000% is in excess of allowable threshold of APOR 4.64% + 1.5%, or 6.14000%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $296.00 exceeds tolerance of $208.00 plus 10% or $228.80. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,155.05 exceeds tolerance of $1,753.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		BUYER - GENERAL COMMENT (2019-10-01): Acknowledged REVIEWER - GENERAL COMMENT (2019-10-02): Client acknowledged REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-10-01): Acknowledged REVIEWER - GENERAL COMMENT (2019-10-02): Client acknowledged REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive. BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive. BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive. BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - GENERAL COMMENT (2019-10-02): Client elects to waive the condition. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive. BUYER - GENERAL COMMENT (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive. BUYER - GENERAL COMMENT (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - GENERAL COMMENT (2019-10-02): Client elects to waive the condition. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - GENERAL COMMENT (2019-10-02): Client elects to waive the condition. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - GENERAL COMMENT (2019-10-02): Client elects to waive the condition. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive. BUYER - GENERAL COMMENT (2019-10-01): Waived - Duplicate suspension. REVIEWER - WAIVED COMMENT (2019-10-02): Client elects to waive.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000338			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - NMLS - Missing Evidence of Initial Loan Application Date: Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] State Compliance - Washington Residential Mortgage Loan (Disclosure of Material Terms Not Provided Timely): Unable to determine compliance with timing requirements due to missing Initial Loan Application Date. [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2018 which is 1 months prior to consummation. A lookback was performed to determine this application date. [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information. [1] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/XX/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $119.72 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - The AUS is not valid due to the occupancy issue and investor guidelines not provided, so max DTI is not known.: The AUS is not valid due to the occupancy issue and investor guidelines not provided, so max DTI is not known. Federal Compliance - The borrower had a gap of more than 30 days between school and current job and the file does not contain a letter of explanation as required by Appendix Q.: The borrower had a gap of more than 30 days between school and current job and the file does not contain a letter of explanation as required by Appendix Q. Federal Compliance - Loan designation determined by the review is non-QM due to not meeting AUS and documentation not sufficient to meet QM outside of an AUS approval.: Loan designation determined by the review is non-QM due to not meeting AUS and documentation not sufficient to meet QM outside of an AUS approval. Federal Compliance - The borrower waived rights to receive appraisal; an appraisal which was delivered to the borrower 4 days prior to close.: The borrower waived rights to receive appraisal; an appraisal which was delivered to the borrower 4 days prior to close. Federal Compliance - no proof of when appraisal was provided to borrower.: no proof of when appraisal was provided to borrower. Federal Compliance - The loan file was missing all lender 1003's.: The loan file was missing all lender 1003's. Federal Compliance - The loan file was missing all lender 1003's.: The loan file was missing all lender 1003's. Federal Compliance - The Affiliated business disclosure was dated 03/XX/2018 and brokers initial 1003 was dated 03/XX/02018.: The Affiliated business disclosure was dated 03/XX/2018 and brokers initial 1003 was dated 03/XX/02018. Federal Compliance - The loan file was missing all lender 1003's.: The loan file was missing all lender 1003's. Federal Compliance - The Title commitment indicated the previous lender and current lender to be the same and the RTC was on a H-8 form.: The Title commitment indicated the previous lender and current lender to be the same and the RTC was on a H-8 form. Federal Compliance - The Final CD did not provide the lender contact information.: The Final CD did not provide the lender contact information. State Compliance - The loan file was missing all lender 1003's.: The loan file was missing all lender 1003's. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $19.72 for exceeding the tolerance of the Credit Report Fee.: The loan file did not provide evidence of a cure in the amount of $19.72 for exceeding the tolerance of the Credit Report Fee.	BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - AMC EV 2. S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - AMC EV 2. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. The Act does not appear to provide for assignee liability. There is generally no Assignee Liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA ATR/QM
1450000337			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $856.00 exceeds tolerance of $841.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $1,561.70 exceeds tolerance of $1,554.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Final Closing Disclosure provided on 12/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.: Final Closing Disclosure provided on 12/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. Federal Compliance - Fee Amount of $856.00 exceeds tolerance of $841.00. No cure or valid Change of Circumstance was provided to the borrower.: Fee Amount of $856.00 exceeds tolerance of $841.00. No cure or valid Change of Circumstance was provided to the borrower. Federal Compliance - Fee Amount of $1,561.70 exceeds tolerance of $1,504.00. No cure or valid Change of Circumstance was provided to the borrower.: Fee Amount of $1,561.70 exceeds tolerance of $1,504.00. No cure or valid Change of Circumstance was provided to the borrower. Federal Compliance - Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges due to missing itemization of credit in file.: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges due to missing itemization of credit in file.	BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, PRICED AS NON ATR / NON QM.. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception. BUYER - GENERAL COMMENT (2019-10-09): Waived - Difference $15, seller notified. No assignee liability. REVIEWER - WAIVED COMMENT (2019-10-11): Client has elected to waive exception. BUYER - GENERAL COMMENT (2019-10-09): Acknowledged - Difference $7.70, seller notified. REVIEWER - WAIVED COMMENT (2019-10-11): Client has elected to acknowledge exception. BUYER - GENERAL COMMENT (2019-10-09): Waived - AMC EV 2, FYI. REVIEWER - WAIVED COMMENT (2019-10-11): Client has elected to waive exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000336			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan Designation of Temporary SHQM reflected on Mavent Report. Approved with AUS.: Loan Designation of Temporary SHQM reflected on Mavent Report. Approved with AUS. Federal Compliance - Final Closing Disclosure provided on 06/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.: Final Closing Disclosure provided on 06/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.	BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client waived exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000335			2	[2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $154.00 exceeds tolerance of $119.00 plus 10% or $130.90. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX: Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX Federal Compliance - The monthly escrow amount on page 4 included the mortgage insurance of $45.04.: The monthly escrow amount on page 4 included the mortgage insurance of $45.04. Federal Compliance - Excess cure of $55.00 was provided to the borrower at Closing.: Excess cure of $55.00 was provided to the borrower at Closing.	BUYER - GENERAL COMMENT (2019-10-17): Acknowledged - Reviewed w/ senior mgt, waiving the curative. S&D, also priced as Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2019-10-21): Client has elected to acknowledge exception. BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-10-11): Client has elected to waive exception.	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000334			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - Part-Time Two Year History: Qualified Mortgage (Dodd-Frank 2014): Use of Part-Time income for less than two (2) years not justified or documented. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MCC Issuance Fee. Fee Amount of $500.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The Lender's Compliance Report reflects the loan was presumed Qualified Mortgage and not High Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible).: The Lender's Compliance Report reflects the loan was presumed Qualified Mortgage and not High Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible). Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Use of Part-Time income for less than two (2) years not justified or documented. Borrower has been employed part-time less than 6 months.: Use of Part-Time income for less than two (2) years not justified or documented. Borrower has been employed part-time less than 6 months. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Federal Compliance - Erroneous Reg ID 2933. The fees in question were seller paid. It is customary the fees in question be paid by seller's in the state of FL.: Erroneous Reg ID 2933. The fees in question were seller paid. It is customary the fees in question be paid by seller's in the state of FL. Federal Compliance - Fee Amount of $500.00 exceeds tolerance of $200.00. Cure of $300.00 was provided to the borrower.: Fee Amount of $500.00 exceeds tolerance of $200.00. Cure of $300.00 was provided to the borrower.	BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. BID W/ DTI OF 44% REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition REVIEWER - CURED COMMENT (2019-10-08): Cure of $300 reflected on final CD.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000333			1	[1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.			RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.				-
1450000332			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible). [2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA (2010) – HUD column on HUD Comparison Chart Inaccurate: RESPA (2010) - HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL. [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.	Federal Compliance - The loan designation determined by the loan review differs from the one provided at origination.: The loan designation determined by the loan review differs from the one provided at origination. Federal Compliance - The only GFE in the loan file is dated 1/XX/2015 and the application date is 12/XX/2014.: The only GFE in the loan file is dated 1/XX/2015 and the application date is 12/XX/2014. Federal Compliance - No evidence in the loan file this was provided to the borrower.: No evidence in the loan file this was provided to the borrower.		Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000331			1	[1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.	Federal Compliance - Final Closing Disclosure provided on 05/XX/2018 did not disclose Closing Costs Financed.: Final Closing Disclosure provided on 05/XX/2018 did not disclose Closing Costs Financed.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000330			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual toatal payment for the loan. [3] Federal Compliance - TRID Final Closing Disclosure Mortgage Insurance Payment: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2019 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 8,800.92 on Final Closing Disclosure provided on 05/XX/2019 not accurate. [2] Federal Compliance - TRID Final Closing Disclosure Without Seller Change - Closing Costs Paid Before Closing: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Closing Costs Paid Before Closing. [2] Federal Compliance - TRID Final Closing Disclosure Without Seller Change - Total Closing Costs: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Total Closing Costs. [1] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller Change - Total Payoffs: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Total Payoffs and Payments.	Federal Compliance - Loan did not meet agency standards so can no longer be considered as Safe Harbor.: Loan did not meet agency standards so can no longer be considered as Safe Harbor. Federal Compliance - Loan is not insured.: Loan is not insured. Federal Compliance - $224.54 monthly MI used by the lender. The correct MI amount is $222.82: $224.54 monthly MI used by the lender. The correct MI amount is $222.82 Federal Compliance - $224.54 monthly MI used by the lender. The correct MI amount is $222.82: $224.54 monthly MI used by the lender. The correct MI amount is $222.82 Federal Compliance - $224.54 monthly MI used by the lender. The correct MI amount is $222.82: $224.54 monthly MI used by the lender. The correct MI amount is $222.82 Federal Compliance - The Final CD reflects "no" as a response for "did this change?" question regarding the closing costs paid before closing on page 3, but the answer should be "yes".: The Final CD reflects "no" as a response for "did this change?" question regarding the closing costs paid before closing on page 3, but the answer should be "yes". Federal Compliance - The Final CD reflects "no" as a response for "did this change?" question regarding the Total Closing Costs at the bottom of page 3 and the answer should be "yes".: The Final CD reflects "no" as a response for "did this change?" question regarding the Total Closing Costs at the bottom of page 3 and the answer should be "yes". Federal Compliance - The Final CD reflects "no" as a response "for did this change?" question regarding the Total Payoffs and Payments at bottom of page 3 and the answer should be "yes".: The Final CD reflects "no" as a response "for did this change?" question regarding the Total Payoffs and Payments at bottom of page 3 and the answer should be "yes".		Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA ATR/QM
1450000329			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,867.14 is less than amount of binding Lender Credit previously disclosed in the amount of $-9,319.00. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 [1] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 08/XX/2017 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan was originated as FHA insured and compliance was evaluated using the originally intended Loan Designation of HUD Safe Harbor QM though the loan is no longer insured.: Loan was originated as FHA insured and compliance was evaluated using the originally intended Loan Designation of HUD Safe Harbor QM though the loan is no longer insured. Federal Compliance - Subject loan is not eligible to be insured or guaranteed by FHA: Subject loan is not eligible to be insured or guaranteed by FHA Federal Compliance - The Final CD does not disclose the Lender contact's name and NMLS ID.: The Final CD does not disclose the Lender contact's name and NMLS ID. Federal Compliance - The Final CD disclosed $0.00 as the Total Closing Costs that exceeded the legal Limit instead of $451.86.: The Final CD disclosed $0.00 as the Total Closing Costs that exceeded the legal Limit instead of $451.86. Federal Compliance - The Final CD disclosed a Lender Credit of $-8867.14 when the binding Lender Credit is $-9319.30.: The Final CD disclosed a Lender Credit of $-8867.14 when the binding Lender Credit is $-9319.30.		Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000328			1				TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000327			1	[1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.							-
1450000326			3	[3] Loan File - (Missing Doc) Incomplete loan images/file [2] Federal Compliance - RESPA - Initial GFE Missing: RESPA: Initial GFE not provided to Borrower(s). [2] Federal Compliance - RESPA (2010) – Written Service Provider List Missing: RESPA (2010): Borrower not provided with list of service providers. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [2] Federal Compliance - 2011 TIL-MDIA - Introductory Escrow Payment Inaccurate: Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan. [2] Federal Compliance - 2011 TIL-MDIA Rate-Payment Summary Table - Introductory Total Payment (PITI) Inaccurate: Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan. [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [1] Miscellaneous Compliance - (Doc Error) Initial GFE not provided [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.	Loan File - Purchase contract contains only the signature page.: Purchase contract contains only the signature page. Federal Compliance - The file was missing a copy of the FHA Case # Assignment.: The file was missing a copy of the FHA Case # Assignment. Miscellaneous Compliance - The file was missing a copy of the Initial GFE.: The file was missing a copy of the Initial GFE. Federal Compliance - Last Date Rate Set and Initial Rate Lock Date not provided.: Last Date Rate Set and Initial Rate Lock Date not provided. Federal Compliance - The file was missing a copy of the Initial GFE.: The file was missing a copy of the Initial GFE. Federal Compliance - The file was missing a copy of the Settlement Service Providers List.: The file was missing a copy of the Settlement Service Providers List. Federal Compliance - The file was missing a copy of the HUD Settlement Cost Booklet.: The file was missing a copy of the HUD Settlement Cost Booklet. Federal Compliance - The earliest disclosure in the file is dated 6/XX/2012.: The earliest disclosure in the file is dated 6/XX/2012. Federal Compliance - The file was missing a copy of the Initial TIL.: The file was missing a copy of the Initial TIL. Federal Compliance - The Hazard policy reflected an annual premium of $597.13 while the HUD showed $585.52. Also, the monthly MI payments on the Escrow Account Disclosure showed $169.52 while the Addendum reflected $175.91.: The Hazard policy reflected an annual premium of $597.13 while the HUD showed $585.52. Also, the monthly MI payments on the Escrow Account Disclosure showed $169.52 while the Addendum reflected $175.91. Federal Compliance - The Hazard policy reflected an annual premium of $597.13 while the HUD showed $585.52. Also, the monthly MI payments on the Escrow Account Disclosure showed $169.52 while the Addendum reflected $175.91.: The Hazard policy reflected an annual premium of $597.13 while the HUD showed $585.52. Also, the monthly MI payments on the Escrow Account Disclosure showed $169.52 while the Addendum reflected $175.91.		RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.		UTD	Out	Indeterminable
1450000325			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/04/XX/2018) [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 04/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/04/XX/2018) [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-1,851.00. (9300) [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,978.11 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200) [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score. [1] Federal Compliance - Possible Federal Loan Originator Compensation - Anti-Steering Disclosure Not Provided: Unable to determine Anti-Steering compliance/Safe Harbor: Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower. [1] Application / Processing - Missing Document: Missing Lender's Initial 1003 [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018) [1] Federal Compliance - TRID Home Loan Toolkit Timing: Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	Federal Compliance - Loan Designation is QM Fail.: Loan Designation is QM Fail. Federal Compliance - Subject loan is not eligible to be insured or guaranteed by FHA.: Subject loan is not eligible to be insured or guaranteed by FHA. Federal Compliance - Calculated Finance Charges are $466,283.29 while the CD reflects $465,938.29. A Difference of -$345.00.: Calculated Finance Charges are $466,283.29 while the CD reflects $465,938.29. A Difference of -$345.00. Federal Compliance - Final closing disclosure did not reveal any seller paid fees and the loan file was missing the sellers closing disclosure.: Final closing disclosure did not reveal any seller paid fees and the loan file was missing the sellers closing disclosure. Federal Compliance - The final closing disclosure did not reflect a dollar amount by which the total closing costs exceeded the legal limit.: The final closing disclosure did not reflect a dollar amount by which the total closing costs exceeded the legal limit. Federal Compliance - Earliest dated disclosure in the loan file is dated the day of closing and not within 3 days of the application date.: Earliest dated disclosure in the loan file is dated the day of closing and not within 3 days of the application date. Federal Compliance - The closing disclosure did not reveal The $-1851 in lender credits disclosed on the final LE and was reduced to 0 on the final CD with no Valid CIC or evidence of a Refund.: The closing disclosure did not reveal The $-1851 in lender credits disclosed on the final LE and was reduced to 0 on the final CD with no Valid CIC or evidence of a Refund. Federal Compliance - The loan file did not contain a cure in the amount of $1978.11 for exceeding the tolerance for the Loan Discount Points There is not a valid CIC in file to allow for the increase in Discount points from 0 to $1,978.11.: The loan file did not contain a cure in the amount of $1978.11 for exceeding the tolerance for the Loan Discount Points There is not a valid CIC in file to allow for the increase in Discount points from 0 to $1,978.11.	REVIEWER - GENERAL COMMENT (2018-07-18): Seller comment states that the $345 difference in finance charges is the New Loan Service Fee on the CD. This fee should be included in finance charges. Exception remains. REVIEWER - GENERAL COMMENT (2018-07-18): Seller comment references CD'd dated 3/XX - 4/XX however the file only Contained a CD dated 2/XXand the final CD dated 4/XX. Please provide other CD's referenced. Exception Remains. REVIEWER - GENERAL COMMENT (2018-07-18): Seller comment references CD'd dated 3/XX - 4/XX however the file only Contained a CD dated 2/XXand the final CD dated 4/XX. Please provide other CD's referenced. Exception Remains.	Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000324			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $33.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Sufficient cure of $33.95 was provided to the borrower at Closing.: Sufficient cure of $33.95 was provided to the borrower at Closing.		There is generally no Assignee Liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000323			1								-
1450000322			2	[2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Federal Compliance - The escrow payment of $951.09 disclosed on page 4 matches the total escrow payment of $346.11 disclosed on page 2 when the seller paid portion of $604.98 is accounted for.: The escrow payment of $951.09 disclosed on page 4 matches the total escrow payment of $346.11 disclosed on page 2 when the seller paid portion of $604.98 is accounted for.	REVIEWER - GENERAL COMMENT (2019-04-02): Final CD page 2 Section G shows $346.11 Initial Escrow Deposit. Page 4 shows $951.09 (due to seller paid portion). 12 CFR 1026.38(l)(7)(3) states "The total amount disclosed pursuant to paragraph (g)(3) of this section, a statement that the payment is a cushion for the escrow account, labeled "Initial Escrow Payment," and a reference to the information disclosed pursuant to paragraph (g)(3) of this section.". Since (g)(3) is stating to only total those amounts designated as "borrower paid", the seller's paid portion would not be included in the total, and that same borrower-paid amount is to be disclosed in both sections of the CD. Corrected CD and LOE to borrower required to cure. REVIEWER - GENERAL COMMENT (2019-04-18): AMC received a response that indicated the Monthly Escrow Payment disclosed on page 4 of the CD is correct. Exception is for Initial Escrow Payment field on page 4, not Monthly Escrow Payment. REVIEWER - GENERAL COMMENT (2019-05-20): AMC received PCCD dated 5/XX/19. Need LOE to cure. REVIEWER - CURED COMMENT (2019-05-29): AMC received corrected CD and LOE.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000321			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - General Ability To Repay Provision Investor Guidelines Not Provided: Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 45.91289%, LTV/CLTV: 24.73288%/24.73288%, Credit Score: 804, Occupancy: Primary, Purpose: Purchase, [3] Federal Compliance - Overtime Bonus 2Yr Calc: Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [1] Federal Compliance - General Ability To Repay Provision Investor Qualification Method not Matching ATR: Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5). [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $308.85 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $895.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Bonus income was captured with 2017/2018 figures. No YTD was provided. Loan is no longer agency eligible - please advise which guidelines are applicable.: Bonus income was captured with 2017/2018 figures. No YTD was provided. Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Approved at qualifying rate on AUS. Subsequently loan was declined as meeting AUS.: Approved at qualifying rate on AUS. Subsequently loan was declined as meeting AUS. Federal Compliance - The CD reflected escrows were collected at closing and the Initial Escrow Disclosure was not provided.: The CD reflected escrows were collected at closing and the Initial Escrow Disclosure was not provided. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $108.85 for exceeding the tolerance of the HOA/Condo Questionnaire fee.: The loan file did not provide evidence of a cure in the amount of $108.85 for exceeding the tolerance of the HOA/Condo Questionnaire fee. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $45 for exceeding the tolerance of the Appraisal fee.: The loan file did not provide evidence of a cure in the amount of $45 for exceeding the tolerance of the Appraisal fee.	BUYER - GENERAL COMMENT (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. No assignee liability. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-04): Acknowledged - S&D, also priced as Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2019-10-09): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. No assignee liability. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-24): Waived - S&D, also priced as Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. No assignee liability. REVIEWER - WAIVED COMMENT (2019-10-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-04): Waived - AMC DD EV 2 - FYI ONLY REVIEWER - WAIVED COMMENT (2019-10-07): Client has elected to waive condition.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.			Out	TILA ATR/QM
1450000320			1								-
1450000319			1								-
1450000318			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $123.00 exceeds tolerance of $82.00 plus 10% or $90.20. Sufficient or excess cure was provided to the borrower.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - The final CD provided an incorrect dollar amount by which total closing costs were exceeded.: The final CD provided an incorrect dollar amount by which total closing costs were exceeded. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $32.80 for exceeding the 10% tolerance.: The loan file did not provide evidence of a cure in the amount of $32.80 for exceeding the 10% tolerance.	BUYER - GENERAL COMMENT (2019-10-17): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-17): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-17): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000317			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.28460% or Final Disclosure APR of 6.27900% is in excess of allowable threshold of APOR 3.86% + 1.5%, or 5.36000%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Flipped Property - Borrower Charged for 2 Appraisals): TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2019 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation of HUD Safe Harbor QM per Mavent: Originator Loan Designation of HUD Safe Harbor QM per Mavent Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Documentation was required per DU to show the co-borrower was employed for 6 months at the time of the case number assignment date of 5/XX/2019. The co-borrower's date of hire with the XXX is 11/XX/2018. Loan is no longer agency eligible - please advise which guidelines are applicable: Documentation was required per DU to show the co-borrower was employed for 6 months at the time of the case number assignment date of 5/XX/2019. The co-borrower's date of hire with the XXX is 11/XX/2018. Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Documentation was required per DU to show the co-borrower was employed for 6 months at the time of the case number assignment date of 5/XX/2019. The co-borrower's date of hire with the XXX is 11/XX/2018. Loan is no longer agency eligible - please advise which guidelines are applicable: Documentation was required per DU to show the co-borrower was employed for 6 months at the time of the case number assignment date of 5/XX/2019. The co-borrower's date of hire with the XXX is 11/XX/2018. Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - APR on subject loan of 6.28460% or Final Disclosure APR of 6.27900% is in excess of allowable threshold of APOR 3.86% + 1.5%, or 5.36000%.: APR on subject loan of 6.28460% or Final Disclosure APR of 6.27900% is in excess of allowable threshold of APOR 3.86% + 1.5%, or 5.36000%. Federal Compliance - The final CD disclosed the Initial Escrow payment on page 4 as $1,542.76 on page 4; however the seller paid $788.11 and the borrower paid $754.65, which is reflected on page 2 of the disclosure . .: The final CD disclosed the Initial Escrow payment on page 4 as $1,542.76 on page 4; however the seller paid $788.11 and the borrower paid $754.65, which is reflected on page 2 of the disclosure . . Federal Compliance - Total closing costs exceeded legal limit taken from final CD.: Total closing costs exceeded legal limit taken from final CD.	BUYER - GENERAL COMMENT (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-18): Waived - S&D Uninsured, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-18): Waived - S&D REASON. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-18): Waived - S&D REASON. REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-18): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-10-25): Client acknowledges the condition SELLER - GENERAL COMMENT (2019-10-21): We do have a second appraisal, attached. REVIEWER - GENERAL COMMENT (2019-10-25): HPML rules prohibit the lender from passing that cost on to the borrower for the 2nd appraisal on HPML loans where classification is a Flip. The loan last transferred ownership, per the appraisal's, in 12/2018 and this purchase transaction application date is 05/XX/2019 = Flip classification. XXX requires a PCCD refunding the cost for the 2nd appraisal to the borrower, a copy of the letter to the borrower addressing the changes made, a copy of the refund check to the borrower and evidence of delivery. This issue remains open. BUYER - GENERAL COMMENT (2019-10-25): Acknowledged - Loan is priced as a S&D, also Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2019-10-26): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-10-18): Acknowledged - NO ASSIGINEE LIABILITY, SELLER NOTIFIED. REVIEWER - WAIVED COMMENT (2019-10-21): Client has elected to acknowledge exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000316			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation.: There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation. Federal Compliance - Final Closing Disclosure provided on 06/XX/2019 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.: Final Closing Disclosure provided on 06/XX/2019 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.	BUYER - GENERAL COMMENT (2019-10-24): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-24): Waived - 2 REVIEWER - WAIVED COMMENT (2019-10-25): Client elected to waive the condition	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000315			1	[1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of WI.: Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of WI.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000314			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Overtime Bonus 2Yr Calc: Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation of Safe Harbor QM per High Cost Analysis.: Originator Loan Designation of Safe Harbor QM per High Cost Analysis. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. The required borrower contribution of 3.5% was not satisfied.: Loan is no longer agency eligible - please advise which guidelines are applicable. The required borrower contribution of 3.5% was not satisfied. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. More than 2 years of overtime income was obtained and the underwriter used the lowest income calculation.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. More than 2 years of overtime income was obtained and the underwriter used the lowest income calculation. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - The final CD did not provide a dollar amount by which total closing costs were exceeded.: The final CD did not provide a dollar amount by which total closing costs were exceeded.	BUYER - GENERAL COMMENT (2019-10-25): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-25): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-25): Waived - uninsured REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-25): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-25): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-25): Waived - 1 REVIEWER - WAIVED COMMENT (2019-10-26): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000313			2	[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,825.00 exceeds tolerance of $1,698.00 plus 10% or $1,867.80. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Total closing cost exceeded the legal limit taken from final CD.: Total closing cost exceeded the legal limit taken from final CD. Federal Compliance - Cure for the 10% tolerance violation in the amount of $957.20 was not provided. Provide a post-close CD disclosing the tolerance cure of $957.20, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for the 10% tolerance violation in the amount of $957.20 was not provided. Provide a post-close CD disclosing the tolerance cure of $957.20, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.	BUYER - GENERAL COMMENT (2019-10-28): Waived - 2 REVIEWER - WAIVED COMMENT (2019-10-29): Client has elected to waive the exception. BUYER - GENERAL COMMENT (2019-10-28): Waived - 2 REVIEWER - WAIVED COMMENT (2019-10-29): Client has elected to waive exception. BUYER - GENERAL COMMENT (2019-10-28): Waived - 1 REVIEWER - WAIVED COMMENT (2019-10-29): Client waives the exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000312			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). [1] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Section G $42.77 x 4 = $170.96 versus $171.08: Section G $42.77 x 4 = $170.96 versus $171.08	BUYER - GENERAL COMMENT (2019-10-29): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-10-29): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-10-29): Waived - 1 REVIEWER - WAIVED COMMENT (2019-10-29): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000311			1	[1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Erroneous Reg ID 4747. This $230.00 fee was seller paid, and is customarily paid by Seller in the state of NJ.: Erroneous Reg ID 4747. This $230.00 fee was seller paid, and is customarily paid by Seller in the state of NJ.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000310			1	[1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Erroneous Reg ID 2933. The fee in question were seller paid.: Erroneous Reg ID 2933. The fee in question were seller paid.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000309	The valuation was completed on an Appraisal Form 1004/70 for a 1-unit single family residence; however, the Supplemental Addendum reflects the property is a 2-unit property with a cost to cure of $5,000 to revert the property back to a 1-unit single family residence. The file does not contain documentation to verify the property has been reverted back to a 1-unit single family residence. Please provide documentation verifying the property is now a 1-unit single family residence.	BUYER - GENERAL COMMENT (2019-10-29): Acknowledged - S&D Reason. REVIEWER - WAIVED COMMENT (2019-10-29): Client acknowledges exception.	2	[2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Start and End date of previous employment not verified.: Start and End date of previous employment not verified. Federal Compliance - Erroneous Reg ID 2933. The fees in question were seller paid. It is customary the fees in question be paid by seller's in the state of PA.: Erroneous Reg ID 2933. The fees in question were seller paid. It is customary the fees in question be paid by seller's in the state of PA.	BUYER - GENERAL COMMENT (2019-10-29): Waived - AMC DD EV2. REVIEWER - WAIVED COMMENT (2019-10-29): Client waives exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000308			2	[2] Federal Compliance - TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 07/XX/2018 did not disclose number of months for Homeowners Association Dues under Prepaids. [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $38.00 plus 10% or $41.80. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - Number of months not populated.: Number of months not populated. Federal Compliance - Excess cure on $80.00 was provided to the borrower at Closing.: Excess cure on $80.00 was provided to the borrower at Closing.	BUYER - GENERAL COMMENT (2019-11-01): Waived - AMC DD EV 2. REVIEWER - WAIVED COMMENT (2019-11-04): Client elected to waive the condition	TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000307			3	[3] Federal Compliance - Social Security Documentation: Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. [2] Federal Compliance - Check Restated Loan Designation Match - General Ability to Repay: Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.	Federal Compliance - Social Security income is missing the Award Letter.: Social Security income is missing the Award Letter.	BUYER - GENERAL COMMENT (2019-11-05): Acknowledged - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal. 1099 provided, borrower is of retirement age. REVIEWER - WAIVED COMMENT (2019-11-05): Client acknowledges exception. REVIEWER - RE-OPEN COMMENT (2020-09-04): Client provided guidelines to review and documentation requirement was met	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000306			3	[3] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Third Circuit): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,784.03 is less than amount of binding Lender Credit previously disclosed in the amount of $-10,827.00. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is not the same as originating lender.: Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is not the same as originating lender. Federal Compliance - Cure of $2040.62 was reflected, which is insufficient to cure $2042.97. Provide a post-close CD disclosing the tolerance cure of $20402.67 a copy of the refund check for remaining cure of $2.35, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure of $2040.62 was reflected, which is insufficient to cure $2042.97. Provide a post-close CD disclosing the tolerance cure of $20402.67 a copy of the refund check for remaining cure of $2.35, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Fee disclosed was last disclosed as -$10827 on LE but disclosed as -$8784.03 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.: Fee disclosed was last disclosed as -$10827 on LE but disclosed as -$8784.03 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.	BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - The Third Circuit has prior rulings that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form. Creditors are required to use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA SOL Not Expired
1450000305			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,110.83 exceeds tolerance of $2,110.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $15.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $745.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. [2] State Compliance - Virginia Mortgage Lender and Broker Act (Dual Agency Compensation Without Notice): Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan designation selected from High Cost Analysis.: Loan designation selected from High Cost Analysis. Federal Compliance - Investor guidelines not provided.: Investor guidelines not provided. Federal Compliance - The borrower did not meet the funds from borrower requirement due to a mis-used adjustment for rents received.: The borrower did not meet the funds from borrower requirement due to a mis-used adjustment for rents received. Federal Compliance - Though the DTI met AUS requirements; investor guidelines were not provided.: Though the DTI met AUS requirements; investor guidelines were not provided. Federal Compliance - The Final CD disclosed an Total Interest percentage of 59.15% which does not match the calculated Interest percentage.: The Final CD disclosed an Total Interest percentage of 59.15% which does not match the calculated Interest percentage. Federal Compliance - The final closing disclosure did not provide a dollar amount by which total closing cost were exceeded.: The final closing disclosure did not provide a dollar amount by which total closing cost were exceeded. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $.83 for exceeding the tolerance of the 10% tolerance.: The loan file did not provide evidence of a cure in the amount of $.83 for exceeding the tolerance of the 10% tolerance. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $15 for exceeding the tolerance of the Wire Fee.: The loan file did not provide evidence of a cure in the amount of $15 for exceeding the tolerance of the Wire Fee. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $10 for exceeding the tolerance of the Title-Wire Fee.: The loan file did not provide evidence of a cure in the amount of $10 for exceeding the tolerance of the Title-Wire Fee. Federal Compliance - The loan file did not provide evidence of a cure in the amount of $145 for exceeding the tolerance of the Appraisal Fee.: The loan file did not provide evidence of a cure in the amount of $145 for exceeding the tolerance of the Appraisal Fee. State Compliance - The loan file was missing the Virginia Broker Notice.: The loan file was missing the Virginia Broker Notice. Federal Compliance - An itemization for seller credit was not provided in the loan file.: An itemization for seller credit was not provided in the loan file.	BUYER - GENERAL COMMENT (2019-11-12): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception. BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception. BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception. BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception. BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-12): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to acknowledge exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. The secondary market purchase of a loan does not trigger coverage of the statute. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000304			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $29.68 exceeds tolerance of $15.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Designation taken from file.: Designation taken from file. Federal Compliance - Loan is not agency salable and investor guidelines were not provided.: Loan is not agency salable and investor guidelines were not provided. Federal Compliance - Appendix Q requires confirmation of work dates and the prior dates have not been confirmed.: Appendix Q requires confirmation of work dates and the prior dates have not been confirmed. Federal Compliance - TIP taken from CD.: TIP taken from CD. Federal Compliance - Total closing cost exceeded the legal limit taken from final CD.: Total closing cost exceeded the legal limit taken from final CD. Federal Compliance - Fee change without valid COC.: Fee change without valid COC.	BUYER - GENERAL COMMENT (2019-11-11): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-11-11): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception. BUYER - GENERAL COMMENT (2019-11-11): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to acknowledge exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000303			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Final Closing Disclosure Total Amount for Recording Fees: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed the total amount for all recording fees on a line other than the first line. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure Alternate Table With Seller: TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 used an alternate table on a transaction with a seller. [1] Federal Compliance - TRID Final Closing Disclosure Total Interest Percentage: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Cash To Close: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Subject loan is not eligible to be insured or guaranteed by VA.: Subject loan is not eligible to be insured or guaranteed by VA. Federal Compliance - Final Closing Disclosure provided on 05/XX/2019 used an alternate table on a transaction with a seller. (Final/05/XX/2019): Final Closing Disclosure provided on 05/XX/2019 used an alternate table on a transaction with a seller. (Final/05/XX/2019) Federal Compliance - Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed the total amount for all recording fees on a line other than the first line.: Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed the total amount for all recording fees on a line other than the first line. Federal Compliance - Final Closing Disclosure provided on 05/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.: Final Closing Disclosure provided on 05/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. Federal Compliance - Final Closing Disclosure provided on 05/XX/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/05/XX/2019): Final Closing Disclosure provided on 05/XX/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/05/XX/2019) Federal Compliance - Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2019): Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2019)	BUYER - GENERAL COMMENT (2019-11-11): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-13): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Loan bid as uninsured VA. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception. BUYER - GENERAL COMMENT (2019-11-11): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to acknowledge exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000302			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,927.00 exceeds tolerance of $1,902.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.: This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. Federal Compliance - Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.: Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared. Federal Compliance - This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.: This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided. Federal Compliance - Cure for 0% and/or 10% tolerance violation in the amount of $25.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $25.00 copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.: Cure for 0% and/or 10% tolerance violation in the amount of $25.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $25.00 copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - Fee disclosed was last disclosed as $1902.00 on LE but disclosed as $1927..00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing.: Fee disclosed was last disclosed as $1902.00 on LE but disclosed as $1927..00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing.	BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-12): Client elected to waive exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000301			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [1] Federal Compliance - TRID Final Closing Disclosure Closing Costs Subtotals Paid By Others: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 11/XX/2018 disclosed Total Closing Costs (Paid by Others) that does not match sum of fees.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - The high cost analysis in the loan file confirms the points/fees exceeds the max threshold.: The high cost analysis in the loan file confirms the points/fees exceeds the max threshold. Federal Compliance - The H-8 form was used, the H-9 form should have been used since the new lender and the origination lender are the same.: The H-8 form was used, the H-9 form should have been used since the new lender and the origination lender are the same. Federal Compliance - .: .	BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-11-13): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA ATR/QM
1450000300			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - Social Security Documentation: Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. [1] Federal Compliance - TRID Final Closing Disclosure Prepaid Other 1 Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 10/XX/2018 did not disclose number of months for One time SA Special Assessment under Prepaids.	Federal Compliance - Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.: Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Federal Compliance - Months not noted on the CD: Months not noted on the CD	BUYER - GENERAL COMMENT (2019-11-12): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-14): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000299			1								-
1450000298			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Rental Income Documentation - Schedule E Method Test: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. [3] Federal Compliance - Rental Income Documentation - Schedule E Method Test: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided. [2] Federal Compliance - TRID Final Closing Disclosure Non Escrowed Property Costs Year 1: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $8,180.52 on Final Closing Disclosure provided on 04/XX/2019 not accurate. [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2019 not received by borrower at least four (4) business days prior to closing. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,485.00 exceeds tolerance of $1,315.00 plus 10% or $1,446.50. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/XX/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date: TILA-RESPA Integrated Disclosure: Revised Loan Estimate 03/XX/2019 received on or after the date the Closing Disclosure 3/XX/2019 12:00:00 AM was received.	Federal Compliance - Loan is no longer agency eligible and due to missing documentation and DTI it does not meet QM guides.: Loan is no longer agency eligible and due to missing documentation and DTI it does not meet QM guides. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - The contact for the lender was not evidenced on the final CD.: The contact for the lender was not evidenced on the final CD. Federal Compliance - All the subject property expenses were escrowed. Therefore, the non-escrowed property costs amount should have been equal to zero.: All the subject property expenses were escrowed. Therefore, the non-escrowed property costs amount should have been equal to zero. Federal Compliance - No valid change of circumstance or cure was evidenced in the loan file.: No valid change of circumstance or cure was evidenced in the loan file. Federal Compliance - The date the revised LE was received by the borrower was not evidenced in the loan file.: The date the revised LE was received by the borrower was not evidenced in the loan file. Federal Compliance - No valid change of circumstance or cure was evidenced in the loan file.: No valid change of circumstance or cure was evidenced in the loan file. Federal Compliance - The final CD did reflect sufficient cure of $100 to cover this violation.: The final CD did reflect sufficient cure of $100 to cover this violation. Federal Compliance - Itemization of the lender credit was not evidenced in the loan file.: Itemization of the lender credit was not evidenced in the loan file.	BUYER - GENERAL COMMENT (2019-11-13): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Acknowledged REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000297			2	[2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,044.43 exceeds tolerance of $2,502.00 plus 10% or $2,752.20. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $895.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/XX/2017 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Cash To Close: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2017 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Service Provider - Compliant: TILA-RESPA Integrated Disclosure: Settlement Service Provider List did not provide at least one available provider for each settlement service borrower is entitled to shop for or inform borrower they may choose different provider from list.	Federal Compliance - List of Homeownership Counseling Organizations not provided within 3 business days of application: List of Homeownership Counseling Organizations not provided within 3 business days of application Federal Compliance - Contact Information: Final Closing Disclosure provided on 01/XX/2017 did not disclose the required Lender Contact Information: Contact Information: Final Closing Disclosure provided on 01/XX/2017 did not disclose the required Lender Contact Information Federal Compliance - Final CD reflects XXX: Final CD reflects XXX Federal Compliance - Final CD reflects $91.80: Final CD reflects $91.80 Federal Compliance - Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.: Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. Federal Compliance - Settlement Service Provider List is not dated: Settlement Service Provider List is not dated Federal Compliance - Total amount of $4,044.43 exceeds tolerance of $2,502.00 plus 10% or $3,919.43. Insufficient or no cure was provided to the borrower.: Total amount of $4,044.43 exceeds tolerance of $2,502.00 plus 10% or $3,919.43. Insufficient or no cure was provided to the borrower. Federal Compliance - Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower.: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower. Federal Compliance - Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $895.00 exceeds tolerance of $0.00: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $895.00 exceeds tolerance of $0.00	BUYER - GENERAL COMMENT (2019-11-14): Waived - 2 REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-14): Waived - 2 REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-14): Waived - 2 REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-14): Waived - 2 REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-14): Waived - 1 REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-14): Waived - 1 REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000296			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2017 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Originator Loan Designation of HUD Safe Harbor QM reflected on Mavent report.: Originator Loan Designation of HUD Safe Harbor QM reflected on Mavent report. Federal Compliance - Gift funds not documented properly. Borrower is not eligible for manual underwrite - not enough reserves. LOE explains borrower was unaware that a gift from her employer would not qualify as gift funds.: Gift funds not documented properly. Borrower is not eligible for manual underwrite - not enough reserves. LOE explains borrower was unaware that a gift from her employer would not qualify as gift funds. Federal Compliance - Escrow Account section (pg 4) "Initial Escrow Payment" ($343.32) does not match the Section G subtotal (pg 2).: Escrow Account section (pg 4) "Initial Escrow Payment" ($343.32) does not match the Section G subtotal (pg 2). Federal Compliance - Final Closing Disclosure provided on 10/XX/2017 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.: Final Closing Disclosure provided on 10/XX/2017 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit. Federal Compliance - Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.	BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Acknowledged - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition BUYER - GENERAL COMMENT (2019-11-13): Acknowledged - NO ASSIGNEE LIABILITY. SELLER NOTIFIED. REVIEWER - WAIVED COMMENT (2019-11-14): Client Acknowledges the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000295			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2016 did not disclose number of months for homeowner's insurance under Prepaids. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	Federal Compliance - The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM.: The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM. Federal Compliance - Due to the stated defect, the loan is not eligible to be insured or guaranteed by FHA.: Due to the stated defect, the loan is not eligible to be insured or guaranteed by FHA. Federal Compliance - Verification appraisal was delivered to borrower was not provided.: Verification appraisal was delivered to borrower was not provided. Federal Compliance - Verification appraisal was delivered to borrower was not provided.: Verification appraisal was delivered to borrower was not provided. Federal Compliance - The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.: The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made. Federal Compliance - The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt within 3 days of originator application date.: The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt within 3 days of originator application date. Federal Compliance - The file is missing a copy of Seller's Closing Disclosure.: The file is missing a copy of Seller's Closing Disclosure.	BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - SELLER TEST OUT OF SCOPE. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000294			2	[2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/XX/2016 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $324.02 exceeds tolerance of $216.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $3,685.15 and disclosure timing violations. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/XX/2016 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	Federal Compliance - Esign not located.: Esign not located. Federal Compliance - Due to seller paid insurance amount..: Due to seller paid insurance amount.. Federal Compliance - Total closing cost exceeded the legal limit taken from final CD.: Total closing cost exceeded the legal limit taken from final CD. Federal Compliance - Toolkit not provided.: Toolkit not provided. Federal Compliance - Seller CD not located.: Seller CD not located. Federal Compliance - No valid COC.: No valid COC. Federal Compliance - CD dated 7/XX/16 and executed 7/XX/16.: CD dated 7/XX/16 and executed 7/XX/16.	BUYER - GENERAL COMMENT (2019-11-13): Waived - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-14): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - AMC DD EV 1 REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-13): Waived - SELLER TEST OUT OF SCOPE REVIEWER - WAIVED COMMENT (2019-11-14): Client elected to waive the condition	TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000293			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.	Federal Compliance - The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM.: The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - The Lender used less than 2 years of overtime income verification for qualify. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: The Lender used less than 2 years of overtime income verification for qualify. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Federal Compliance - No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.: No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.	BUYER - GENERAL COMMENT (2019-11-18): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-11-20): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-18): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-11-20): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-18): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-11-20): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-18): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-11-20): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-18): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-11-20): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-11-18): Waived - 1 REVIEWER - WAIVED COMMENT (2019-11-20): Client elects to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000292			2	[2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,928.81 on Final Closing Disclosure provided on 07/XX/2019 not accurate. [1] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Closing Costs Financed: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2019 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing documentation to verify the start and end dates for the borrower's self-employment to verify a 2 year employment history.: Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing documentation to verify the start and end dates for the borrower's self-employment to verify a 2 year employment history. Federal Compliance - The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $8,928.81 on page 4; however the annual taxes ($7,561.56) and homeowners insurance ($2,178.00) total are $9,739.56 per year. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.: The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $8,928.81 on page 4; however the annual taxes ($7,561.56) and homeowners insurance ($2,178.00) total are $9,739.56 per year. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made. Federal Compliance - The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed incorrect amount. Provide a post-close CD disclosing the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made.: The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed incorrect amount. Provide a post-close CD disclosing the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made.	BUYER - GENERAL COMMENT (2019-11-20): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-11-20): Client has elected to waive exception. BUYER - GENERAL COMMENT (2019-11-20): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-11-22): Client waives exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000291			1								-
1450000290			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Seller Closing Disclosure: TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	Federal Compliance - There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation.: There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation. Federal Compliance - Erroneous Reg ID 4748. This fee split between the borrower and seller, and is customarily partially paid by Seller in the state of PA.: Erroneous Reg ID 4748. This fee split between the borrower and seller, and is customarily partially paid by Seller in the state of PA. Federal Compliance - the file is missing a copy of the Seller CD.: the file is missing a copy of the Seller CD.	BUYER - GENERAL COMMENT (2019-11-21): Waived - amc dd level 2 REVIEWER - WAIVED COMMENT (2019-11-27): Client waives exception. BUYER - GENERAL COMMENT (2019-11-21): Waived - waive - amc dd level 1 REVIEWER - WAIVED COMMENT (2019-11-25): Client elects to waive the condition	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000289			2	[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.			RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.				-
1450000288			2	[2] Federal Compliance - Federal FACTA Disclosure: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [2] Miscellaneous Compliance - Initial GFE not disclosed to the borrower within 3 days. [2] Missing Document - Initial TIL not provided			There is no Assignee Liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000261			1	[1] Federal Compliance - TRID Final Closing Disclosure Without Seller Change - Total Payoffs: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2019 incorrectly disclosed whether there was a change in the Total Payoffs and Payments.	Federal Compliance - The CD indicated a "yes" under "Did this change" column but the amount is a $0.40 difference which is not considered a change.: The CD indicated a "yes" under "Did this change" column but the amount is a $0.40 difference which is not considered a change.		TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000260		BUYER - GENERAL COMMENT (2019-11-27): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception.	2	[2] State Compliance - Ohio Consumer Sales Practices Act (Ability to Repay not Verified): Ohio Consumer Sales Practices Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $425.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	State Compliance - Provide 1008 transmittal summary and or ATR worksheet used for qualification.: Provide 1008 transmittal summary and or ATR worksheet used for qualification. Federal Compliance - Funding fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure for the fee of $425.00.: Funding fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure for the fee of $425.00. Federal Compliance - Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing.: Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing.	BUYER - GENERAL COMMENT (2019-11-27): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception. BUYER - GENERAL COMMENT (2019-11-27): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-02): Client elected to waive exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000259			1								-
1450000258			1								-
1450000257			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Total Amount for Recording Fees: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed the total amount for all recording fees on a line other than the first line. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan designation selected from Mavent Report in file.: Loan designation selected from Mavent Report in file. Federal Compliance - The loan was determined not to be eligible for FHA insurance due to not meeting the property flipping guidelines or its time restriction exceptions.: The loan was determined not to be eligible for FHA insurance due to not meeting the property flipping guidelines or its time restriction exceptions. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable Federal Compliance - The Seller Cd provided additional recording fees that were not provided on the Final CD.: The Seller Cd provided additional recording fees that were not provided on the Final CD. Federal Compliance - The Final CD did not provide a dollar amount by which total closing costs were exceeded.: The Final CD did not provide a dollar amount by which total closing costs were exceeded. Federal Compliance - The loan file did not contain an itemization for the seller/lender credit.: The loan file did not contain an itemization for the seller/lender credit.	BUYER - GENERAL COMMENT (2019-12-03): Acknowledged REVIEWER - WAIVED COMMENT (2019-12-03): Client acknowledges exception. BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception. BUYER - GENERAL COMMENT (2019-12-03): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception. BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-03): Client waives exception. BUYER - GENERAL COMMENT (2019-12-03): Acknowledged REVIEWER - WAIVED COMMENT (2019-12-03): Client acknowledges exception.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000256			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	Federal Compliance - Originator Loan Designation of HUD Safe Harbor QM.: Originator Loan Designation of HUD Safe Harbor QM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable: Loan is no longer agency eligible - please advise which guidelines are applicable	BUYER - GENERAL COMMENT (2019-12-03): Acknowledged REVIEWER - WAIVED COMMENT (2019-12-04): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-12-03): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-03): Acknowledged REVIEWER - WAIVED COMMENT (2019-12-04): Client acknowledges the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000255			2	[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.		BUYER - GENERAL COMMENT (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000254			3	[3] State Compliance - (TX50(a)(6)) Texas Cash-out Loan (The lender/Assignee cannot conclusively rely on the Value on the Acknowledgement of Fair Market Value as the loan file does not contain an Appraisal): Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.	State Compliance - The appraisal was completed after closing.: The appraisal was completed after closing.	BUYER - GENERAL COMMENT (2019-12-03): Waived - 56.80% LTV using post closing appraisal is evidence that LTV at closing was <80%. REVIEWER - WAIVED COMMENT (2019-12-04): Client elected to waive the condition	Assignee Liability: Although this exception indicates the assignee has less protections against claims from the consumer, it is not indicative of an actual violation.			Out	State - NC
1450000253			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2019 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Final Closing Disclosure provided on 08/XX/2019 disclosed a value of $70.00 by which the Total Closing Costs exceeded the legal limit. The other tolerance issues where erroneous due to the Seller paying some or all of the fees in question.: Final Closing Disclosure provided on 08/XX/2019 disclosed a value of $70.00 by which the Total Closing Costs exceeded the legal limit. The other tolerance issues where erroneous due to the Seller paying some or all of the fees in question. Federal Compliance - The CD was provided on 08/XX/2019 and the CD Signature/Security Instrument Notary Date was 08/XX/2017. The closing date was corrected to 08/XX/2019 on the post closing CD issued 09/XX/2019.: The CD was provided on 08/XX/2019 and the CD Signature/Security Instrument Notary Date was 08/XX/2017. The closing date was corrected to 08/XX/2019 on the post closing CD issued 09/XX/2019.	BUYER - GENERAL COMMENT (2019-12-06): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-12-07): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-06): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-12-07): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000252			1								-
1450000251		BUYER - GENERAL COMMENT (2019-12-09): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2019-12-11): Client elected to waive the condition	2	[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TRID Final Closing Disclosure Lender Credit: TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on 09/XX/2019 disclosed a Lender Credit less than the legal limit exceeded on the Calculating Cash to Close table. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - J. Total Closing Costs (pg 2): Lender Credit ($0.00) is less than the "Exceeds legal limit by" ($200.00) field in the Calculating Cash to Close section (pg 3).: J. Total Closing Costs (pg 2): Lender Credit ($0.00) is less than the "Exceeds legal limit by" ($200.00) field in the Calculating Cash to Close section (pg 3). Federal Compliance - Total closing costs exceeded the legal limit taken from final CD.: Total closing costs exceeded the legal limit taken from final CD.	BUYER - GENERAL COMMENT (2019-12-09): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-11): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-09): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-09): Client has elected to waive exception.	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000250			1								-
1450000249			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $515.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Esign Consent Agreement Status: ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $5,353.35 and disclosure timing violations. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - The file was missing documentation verifying the borrower's consent to receive electronic documentation.: The file was missing documentation verifying the borrower's consent to receive electronic documentation. Federal Compliance - Total closing cost exceeded the legal limit taken from final CD.: Total closing cost exceeded the legal limit taken from final CD. Federal Compliance - Fee disclosed was last disclosed as $450.00 on LE but disclosed as $515.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.: Fee disclosed was last disclosed as $450.00 on LE but disclosed as $515.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.	SELLER - GENERAL COMMENT (2019-12-12): Appraisal Fee disclosed on Loan Estimate attached REVIEWER - GENERAL COMMENT (2019-12-16): AMC reviewed exception and COC. The fee being higher is not a valid changed circumstance for the fee to increase. Please provide additional details regarding the changed circumstance or please provide a corrected CD, LOE, refund check, and proof of delivery to cure. SELLER - GENERAL COMMENT (2019-12-16): As you can see on the attached LE and Notice of Change of Circumstances dated 03/XX/2019 the appraisal fee was disclosed at the higher amount of $515.00. The higher amount of $515 was also listed on the 04/XX/2019 LE attached. Please ask AMC why they did not accept. I pulled out the COC and attached the LE. We NEED these files to fund on Friday 12-20 Please rush review REVIEWER - GENERAL COMMENT (2019-12-17): AMC reviewed exception. The fee initially disclosed as $450. The fee being higher is not a changed circumstance. Please provide additional information if a changed circumstance occurred or please provide a corrected CD, LOE, refund check, and proof of delivery to cure. BUYER - GENERAL COMMENT (2019-12-17): AMC asks - "Please provide additional information if a changed circumstance occurred" I gave you the LE and Change of CIrcumstance dated 03/28 why are you not accepting it? Is there something else required? Can you call me? 720-219-6877 REVIEWER - GENERAL COMMENT (2019-12-18): The COC received just states the appraisal fee was higher. Need to know what occurred to justify the increase in the appraisal fee. Need to know why the appraisal went from $450 to $515 BUYER - GENERAL COMMENT (2019-12-18): Waived - issue doesn't have any Assignee Liability impact to XXX's ability to purchase loan REVIEWER - WAIVED COMMENT (2019-12-19): Client elects to waive the condition BUYER - GENERAL COMMENT (2019-12-11): Waived - AMC DD level 1 REVIEWER - WAIVED COMMENT (2019-12-12): Client waives exception.	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000248			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [1] Federal Compliance - TRID Closing Disclosure Lump Sum Allocation: Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable. Designation taken from compliance report.: Loan is no longer agency eligible - please advise which guidelines are applicable. Designation taken from compliance report. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Total closing costs exceeded the legal limit taken from final CD.: Total closing costs exceeded the legal limit taken from final CD.	BUYER - GENERAL COMMENT (2019-12-12): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-12-13): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-12-12): Acknowledged - S&D REASON, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2019-12-13): Client acknowledges the condition BUYER - GENERAL COMMENT (2019-12-12): Acknowledged - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2019-12-13): Client acknowledges the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000247			1								-
1450000246			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company Fee. Fee Amount of $200.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $375.00. Insufficient or no cure was provided to the borrower.	Federal Compliance - Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) taken from Mavent report.: Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) taken from Mavent report. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Final Closing Disclosure provided on 10/XX/2018 included the Mortgage Insurance of $119.74 in the monthly escrow payment on page 4 but not in section G.: Final Closing Disclosure provided on 10/XX/2018 included the Mortgage Insurance of $119.74 in the monthly escrow payment on page 4 but not in section G. Federal Compliance - Fee Amount of $200.00 exceeds tolerance of $125.00. Sufficient cure of $75 was provided to the borrower: Fee Amount of $200.00 exceeds tolerance of $125.00. Sufficient cure of $75 was provided to the borrower Federal Compliance - Fee Amount of $550.00 exceeds tolerance of $375.00. Sufficient cure of $175 was provided to the borrower: Fee Amount of $550.00 exceeds tolerance of $375.00. Sufficient cure of $175 was provided to the borrower	BUYER - GENERAL COMMENT (2019-12-20): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2019-12-27): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-20): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2019-12-27): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-20): Waived - DD level 2 REVIEWER - WAIVED COMMENT (2019-12-23): Client elects to waive the condition BUYER - GENERAL COMMENT (2019-12-20): Waived - DD level 2 REVIEWER - WAIVED COMMENT (2019-12-23): Client elects to waive the condition BUYER - GENERAL COMMENT (2019-12-20): Waived - DD level 2 REVIEWER - WAIVED COMMENT (2019-12-23): Client elects to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000160			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan. [2] Federal Compliance - TRID Initial Loan Estimate Timing Electronically Provided: TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 05/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.		BUYER - GENERAL COMMENT (2020-01-02): Acknowledged REVIEWER - WAIVED COMMENT (2020-01-03): Lender acknowledges exception. SELLER - GENERAL COMMENT (2020-01-02): Post Consummation CD and Final CD approved by closer REVIEWER - CURED COMMENT (2020-01-03): Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD. Lender provided cure prior to SitusAMC Review. Portion of refund was for Title Service Charge BUYER - GENERAL COMMENT (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-01-02): Client elects to Waive BUYER - GENERAL COMMENT (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-01-02): Client elects to Waive	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000159			1								-
1450000158			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - QM Employment History - Current and/or Previous Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	Federal Compliance - Loan is approved through AUS (either DU or LP) the designation will be Temporary SHQM (GSE/Agency Eligible): Loan is approved through AUS (either DU or LP) the designation will be Temporary SHQM (GSE/Agency Eligible) Federal Compliance - Third party verification of borrower's employment dates and status of business was not provided.: Third party verification of borrower's employment dates and status of business was not provided.	BUYER - GENERAL COMMENT (2020-01-02): Acknowledged REVIEWER - WAIVED COMMENT (2020-01-03): Client acknowledges exception. BUYER - GENERAL COMMENT (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-01-03): Client waives exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000157			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Federal Compliance - Originator Loan Designation of Temporary SHQM noted on Mavent compliance report.: Originator Loan Designation of Temporary SHQM noted on Mavent compliance report.	BUYER - GENERAL COMMENT (2019-12-30): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-02): Client waives exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000156			3	[3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Points and Fees: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $268.00 exceeds tolerance of $241.00 plus 10% or $265.10. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $430.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,142.40 exceeds tolerance of $1,012.00. Insufficient or no cure was provided to the borrower.	Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).: Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). Federal Compliance - Originator Loan Designation not provided in file.: Originator Loan Designation not provided in file. Federal Compliance - Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of FL.: Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of FL. Federal Compliance - Erroneous Reg ID 2933. The fee in question was seller paid and captured from the seller's CD. It is customary the fee in question be paid by seller's in the state of FL.: Erroneous Reg ID 2933. The fee in question was seller paid and captured from the seller's CD. It is customary the fee in question be paid by seller's in the state of FL. Federal Compliance - Erroneous Reg ID 2933. The fee in question was seller paid and captured from the seller's CD. It is customary the fee in question be paid by seller's in the state of FL.: Erroneous Reg ID 2933. The fee in question was seller paid and captured from the seller's CD. It is customary the fee in question be paid by seller's in the state of FL.	BUYER - GENERAL COMMENT (2019-12-30): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2019-12-31): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-30): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2019-12-31): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-31): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-30): Acknowledged REVIEWER - WAIVED COMMENT (2019-12-31): Client elected to acknowledge the condition BUYER - GENERAL COMMENT (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-31): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-31): Client elected to waive the condition BUYER - GENERAL COMMENT (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2019-12-31): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000155			1	[1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - Payoff Statement Missing: Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.	Federal Compliance - The loan file did not contain evidence the valuation was received within three business days of closing.: The loan file did not contain evidence the valuation was received within three business days of closing. Federal Compliance - The loan file was missing the mortgage payoff statement.: The loan file was missing the mortgage payoff statement. Federal Compliance - The loan file did not have an Initial Escrow Disclosure.: The loan file did not have an Initial Escrow Disclosure.	BUYER - GENERAL COMMENT (2020-01-07): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.				-
1450000154			1								-
1450000153			2	[2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 04/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,178.00 exceeds tolerance of $2,392.00 plus 10% or $2,631.20. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $1,525.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.	Federal Compliance - File is missing a copy of the initial escrow account statement.: File is missing a copy of the initial escrow account statement. Federal Compliance - File is missing a copy of the Seller CD. The Final CD did not include any seller paid fees.: File is missing a copy of the Seller CD. The Final CD did not include any seller paid fees. Federal Compliance - Total amount of $3,178.00 exceeds tolerance of $2,392.00 plus 10% or $2,631.20. No cure or valid Change of Circumstance was provided to the borrower.: Total amount of $3,178.00 exceeds tolerance of $2,392.00 plus 10% or $2,631.20. No cure or valid Change of Circumstance was provided to the borrower. Federal Compliance - Fee Amount of $1,525.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower.: Fee Amount of $1,525.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower.	BUYER - GENERAL COMMENT (2020-01-07): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-08): Client elects to Waive BUYER - GENERAL COMMENT (2020-01-07): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-08): Client elects to Waive BUYER - GENERAL COMMENT (2020-01-07): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-08): Client elects to Waive BUYER - GENERAL COMMENT (2020-01-07): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000152			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,583.56 may be required. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.	Federal Compliance - Per the Mavent report, the loan designation was Temp SHQM.: Per the Mavent report, the loan designation was Temp SHQM. Federal Compliance - Loan is no longer agency eligible - please advise which guidelines are applicable.: Loan is no longer agency eligible - please advise which guidelines are applicable. Federal Compliance - Evidence the List of HomeOwnership Counseling Organizations was delivered to the borrower was not located in the loan file.: Evidence the List of HomeOwnership Counseling Organizations was delivered to the borrower was not located in the loan file. Federal Compliance - The loan file was missing the Right To Receive Appraisal Disclosure.: The loan file was missing the Right To Receive Appraisal Disclosure. Federal Compliance - The loan file did not contain a Loan Estimate.: The loan file did not contain a Loan Estimate.	BUYER - GENERAL COMMENT (2020-01-07): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000151			3	[3] Federal Compliance - Capital Gains Assets: Qualified Mortgage (Dodd-Frank 2014): Documentation to support Capital Gains income requirement not met. [3] Federal Compliance - Capital Gains Tax Returns: Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.	Federal Compliance - Captured loss - no income being used: Captured loss - no income being used Federal Compliance - Captured loss - no income being used: Captured loss - no income being used Federal Compliance - Missing AUS and Guidelines: Missing AUS and Guidelines Federal Compliance - Missing AUS and Guidelines: Missing AUS and Guidelines Federal Compliance - Appraisal was updated with a date after closing.: Appraisal was updated with a date after closing.	BUYER - GENERAL COMMENT (2020-01-07): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-07): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-07): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - Manual UW, 1008 provided. S&D, also priced as Non ATR / Non QM. REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Acknowledged - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2020-01-09): Client Acknowledges the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000150			3	[3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - TILA - Final TIL Missing: Missing Final TIL.	Federal Compliance - 2 year history met however VOE for previous employer not located.: 2 year history met however VOE for previous employer not located. Federal Compliance - Unable to determine loan designation.: Unable to determine loan designation.	BUYER - GENERAL COMMENT (2020-01-07): Waived - not a concern now REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-07): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000149			2	[2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.		BUYER - GENERAL COMMENT (2020-01-07): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.				-
1450000148			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.		BUYER - GENERAL COMMENT (2020-01-08): Waived - VA INSURED, S&D. REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-08): Waived - VA Insured S&D. REVIEWER - WAIVED COMMENT (2020-01-09): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000140			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - Income Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend. [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing.		BUYER - GENERAL COMMENT (2020-01-13): Acknowledged REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-02-20): Waived - not required per DU - unavailable REVIEWER - WAIVED COMMENT (2020-02-21): Client is electing to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2020-02-20): Waived - not required per DU - unavailable REVIEWER - WAIVED COMMENT (2020-02-21): Client is electing to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2020-02-20): Waived - not required per DU - unavailable REVIEWER - WAIVED COMMENT (2020-02-21): Client is electing to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2020-01-13): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.			Out	TILA ATR/QM
1450000139			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $27.45 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - Flood Insurance Escrow - Flood not Escrowed for Property in Flood Zone: Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.		BUYER - GENERAL COMMENT (2020-01-13): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition SELLER - GENERAL COMMENT (2020-02-10): refund REVIEWER - CURED COMMENT (2020-02-12): SitusAMC received PCCD indicating cure, LOE, refund check, and proof of mailing. BUYER - GENERAL COMMENT (2020-01-13): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-13): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-13): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000138			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - Acknowledgement of Borrower Receipt of Notice of Special Flood Hazard Disclosure Missing: FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure. [2] State Compliance - Maine HPML Threshold 2013 Test Compliant: Maine Higher-Priced Mortgage Loan: APR on subject loan of 6.80050% or Final Disclosure APR of 6.93900% is in excess of allowable threshold of APOR 4.64% + 1.5%, or 6.14000%, or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Compliant Higher Priced Loan. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Home Loan Toolkit Provided: Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $391.60 exceeds tolerance of $198.00. Sufficient or excess cure was provided to the borrower at Closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MCC Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MCC Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.		BUYER - GENERAL COMMENT (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - AMC DD EV 2 - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - NO ASSINGEE LIABILITY - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition	Liability for violations cannot be transferred to a subsequent purchaser of a loan. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000137			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [2] State Compliance - (State HPML) Oklahoma Higher-Priced Mortgage Loan (APR Exceeds HPML Threshold): Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 5.85400% or Final Disclosure APR of 5.89700% is in excess of allowable threshold of APOR 4.39% + 1.5%, or 5.89000%. Compliant Higher Priced Loan.		BUYER - GENERAL COMMENT (2020-01-13): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-13): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-13): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000133			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed a Total of Payments that does not match the actual total of payments for the loan. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $265.48 is less than amount of binding Lender Credit previously disclosed in the amount of $-267.00. [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 05/XX/2016 not received by borrower at least four (4) business days prior to closing.		BUYER - GENERAL COMMENT (2020-01-14): Acknowledged REVIEWER - WAIVED COMMENT (2020-01-15): Client Acknowledges the condition BUYER - GENERAL COMMENT (2020-01-14): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition SELLER - GENERAL COMMENT (2020-01-22): Remedy REVIEWER - GENERAL COMMENT (2020-01-27): Loan is under disclosed in the amount of $35.11. PCCD, LOE, proof of delivery, copy of refund check, and reopen RTC required to cure. BUYER - GENERAL COMMENT (2020-01-27): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-01-28): Client elected to waive exception. SELLER - GENERAL COMMENT (2020-01-22): Remedy REVIEWER - GENERAL COMMENT (2020-01-27): Loan is under disclosed in the amount of 178.92. PCCD, LOE, proof of delivery, copy of refund check, and reopen RTC required to cure. BUYER - GENERAL COMMENT (2020-01-27): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-01-28): Client elected to waive exception. BUYER - GENERAL COMMENT (2020-01-14): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-14): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-01-15): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000132			3	[3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met. [3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.		BUYER - GENERAL COMMENT (2020-01-17): Waived - does not have any ROR or assignee liability impact XXX to purchase loan REVIEWER - WAIVED COMMENT (2020-01-30): Client waives exception. BUYER - GENERAL COMMENT (2020-01-17): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-30): Client waives exception.	Assignee Liability is unclear. The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency. Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000131			3	[3] Federal Compliance - Unknown Loan Designation: Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.		BUYER - GENERAL COMMENT (2020-01-18): Acknowledged REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges exception. BUYER - GENERAL COMMENT (2020-01-18): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-01-30): Client waives exception.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000130			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - QM Employment History: Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.		BUYER - GENERAL COMMENT (2020-01-24): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-18): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-18): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000129			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - Sole Proprietorship Income Documentation Test: Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,088.00 exceeds tolerance of $531.00 plus 10% or $584.10. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $223.45 exceeds tolerance of $209.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for VA Funding Fee. Fee Amount of $3,119.65 exceeds tolerance of $3,054.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $62.66 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - QM Employment History - Current Employment Documentation lacks Date Info: Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment.		BUYER - GENERAL COMMENT (2020-01-17): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - va insured REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - va insured REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-22): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-22): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-22): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-22): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-22): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-22): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-01-17): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-24): Client elected to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000128		BUYER - GENERAL COMMENT (2020-01-28): Waived - Loan is 11 years old, no impact. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition	2	[2] Federal Compliance - Final TIL Finance Charge Under Disclosed: Truth In Lending Act: Final TIL Finance Charge of $381,608.78 is underdisclosed from calculated Finance Charge of $383,609.26 in the amount of $XXX. [1] Federal Compliance - Missing Initial Loan Application Test: No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.		BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan. as it is 11 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Acknowledged REVIEWER - WAIVED COMMENT (2020-01-30): Client acknowledges the condition	TILA Finance Charge - subject to a 1 year SOL for affirmative claims, 3 years for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000127			1								-
1450000126	Appraisal was made "subject to" and Form 1004D/442 was not provided.	BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition	2	[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges. [2] Federal Compliance - RESPA (2010) - Interest Rate on GFE Inaccurate: RESPA (2010): Interest Rate on GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Loan Amount on Final GFE Inaccurate: RESPA (2010): Loan Amount on Final GFE does not match Note. [2] Federal Compliance - RESPA (2010) - Initial Payment on GFE Inaccurate: RESPA (2010): Initial payment on GFE does not match actual payment on loan. [2] Federal Compliance - RESPA - Initial Escrow Account Statement Not Provided Timely: RESPA: Initial escrow account statement was not provided to the borrower within 45 calendar days of closing. [1] Federal Compliance - RESPA - Initial Escrow Account statement Inaccurate: RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.		BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old. REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.				-
1450000125			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Overtime Bonus Method of Calculation: Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - Notice of Special Flood Hazard Disclosure Not Provided Timely: FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. [2] Federal Compliance - TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien: TRID Final Closing Disclosure 04/XX/2019 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.		BUYER - GENERAL COMMENT (2020-01-28): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - uninsured REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - 2 REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - seller pd REVIEWER - WAIVED COMMENT (2020-01-29): Client elected to waive exception. BUYER - GENERAL COMMENT (2020-01-28): Waived - uninsured REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - 1 REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Liability for violations cannot be transferred to a subsequent purchaser of a loan. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.			Out	TILA ATR/QM
1450000124			1								-
1450000123			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - Rental Income Documentation - 25% Method: Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement not provided or % of gross rents used is greater than 75%.		BUYER - GENERAL COMMENT (2020-01-28): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000122			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.		BUYER - GENERAL COMMENT (2020-01-28): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-01-28): Waived - priced as atr fail REVIEWER - WAIVED COMMENT (2020-01-30): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000121			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,300.00 exceeds tolerance of $750.00 plus 10% or $825.00. Insufficient or no cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-02-03): Acknowledged REVIEWER - WAIVED COMMENT (2020-02-04): Client acknowledges the condition BUYER - GENERAL COMMENT (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000120			1	[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $154.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing.							-
1450000119			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.		BUYER - GENERAL COMMENT (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-04): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.			Out	TILA ATR/QM
1450000118			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.		BUYER - GENERAL COMMENT (2020-02-06): Acknowledged REVIEWER - WAIVED COMMENT (2020-02-06): Client acknowledges the condition BUYER - GENERAL COMMENT (2020-02-06): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-06): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-06): Waived - Loan priced and purchased as being VA uninsured REVIEWER - WAIVED COMMENT (2020-02-06): Client elected to waive the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000052			3	[3] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan. [2] Federal Compliance - TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 24,777.48 on Final Closing Disclosure provided on 08/XX/2019 not accurate. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Payoff Statement Fee. Fee Amount of $550.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for CO-OP Charges to Board Packager. Fee Amount of $157.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.		SELLER - GENERAL COMMENT (2020-02-11): see attached REVIEWER - GENERAL COMMENT (2020-02-12): Fee included in APR testing equal $5769.06, which include Attorney's fee of $550.00. Cure required for under disclosure of $102.68. REVIEWER - WAIVED COMMENT (2020-02-12): Client elects to waive condition. BUYER - GENERAL COMMENT (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-05): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-05): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-05): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-05): Client elected to waive the condition	TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TRID SOL Not Expired
1450000051			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-02-06): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-06): Client elected to waive the condition	Assignee Liability is unclear. The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency. Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000050			1								-
1450000049			1				TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000048			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing. [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $125.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.80 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing.			Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000047			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.50 exceeds tolerance of $80.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent and Other). Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - (Missing Data) Last Rate Set Date: Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		REVIEWER - WAIVED COMMENT (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. There is generally no Assignee Liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000046			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.			Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000045			1								-
1450000044			2	[2] Federal Compliance - RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure: RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.			RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.				-
1450000043			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.			Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000042			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of $194.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $96.80 exceeds tolerance of $89.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - TRID Final Closing Disclosure Homeowner's Insurance Premium Months: TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. [1] Federal Compliance - TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		REVIEWER - GENERAL COMMENT (2020-01-15): $7.80 Points exception is still outstanding unable to address this exception until Points exception is addressed. COC for the Points Increase is not dated within 3 business days of the Revised CD Additionally, lender needs to provided actual cure check for $294 received invoice but nothing identifies that this was for the borrower. BUYER - GENERAL COMMENT (2020-01-30): XXX will accept the copy of the check stub as proof the refund was issued to the borrower. it was clearly issued for this refund. Please clear. REVIEWER - GENERAL COMMENT (2020-02-03): Check stub has no identifying information to confirm it was made payable to the borrower - please provide copy of cancelled check or correspondence from borrower to confirm $294 cure was provided REVIEWER - GENERAL COMMENT (2020-01-15): $7.80 Points exception is still outstanding unable to address this exception until Points exception is addressed. COC for the Points Increase is not dated within 3 business days of the Revised CD Additionally, lender needs to provided actual cure check for $294 received invoice but nothing identifies that this was for the borrower. BUYER - GENERAL COMMENT (2020-01-30): XXX will accept the copy of the check stub as proof the refund was issued to the borrower. it was clearly issued for this refund. Please clear. REVIEWER - GENERAL COMMENT (2020-02-03): Check stub has no identifying information to confirm it was made payable to the borrower - please provide copy of cancelled check or correspondence from borrower to confirm $294 cure was provided REVIEWER - GENERAL COMMENT (2020-01-15): $7.80 Points exception is still outstanding unable to address this exception until Points exception is addressed. COC for the Points Increase is not dated within 3 business days of the Revised CD Additionally, lender needs to provided actual cure check for $294 received invoice but nothing identifies that this was for the borrower. BUYER - GENERAL COMMENT (2020-01-30): XXX will accept the copy of the check stub as proof the refund was issued to the borrower. it was clearly issued for this refund. Please clear. REVIEWER - GENERAL COMMENT (2020-02-03): COC for the Points Increase is not dated within 3 business days of the Revised CD. COC dated 7/XX/2019 points increase on the 8/XX/2019 Initial CD REVIEWER - WAIVED COMMENT (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A REVIEWER - WAIVED COMMENT (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A	TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.				-
1450000041			2	[2] Federal Compliance - TRID Interim Closing Disclosure Timing: TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on 04/XX/2019 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.49 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $425.00 exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing.			TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000040			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.			Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation.			Out	TILA ATR/QM
1450000039			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan: Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. [1] Federal Compliance - TRID Settlement Service Provider Status: TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower.		REVIEWER - WAIVED COMMENT (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A REVIEWER - WAIVED COMMENT (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000038			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Fails QM Testing. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [1] Federal Compliance - TRID Final Closing Disclosure Closing Date: TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2019 disclosed a Closing Date that did not match the actual date of consummation. [1] Federal Compliance - TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits: TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		REVIEWER - WAIVED COMMENT (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A REVIEWER - WAIVED COMMENT (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A	Assignee Liability is unclear. The provisions of the Act may only be enforced by the Attorney General or the licensed person’s licensing agency. Any person who willfully and knowingly violates any provision of the Act shall be liable for a civil penalty of not more than $10,000 for each violation. A prepayment penalty or yield spread premium provision of a higher-priced mortgage loan that violates the Act shall be unenforceable. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000037			2	[2] Federal Compliance - RESPA (2010) - GFE Settlement charges Good Thru Date Less than 10 Days: Unable to test GFE Estimate Available Through Date due to missing information. [2] Federal Compliance - RESPA - Initial GFE Not Provided Within 3 Business Days of Application: RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date. [2] Federal Compliance - RESPA Disclosure - HUD Settlement Cost Booklet Missing: RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet. [2] Federal Compliance - RESPA Servicing Disclosure: Servicing Disclosure Statement Not Provided Within 3 Business Days of Application: RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application. [2] Federal Compliance - TIL-MDIA - Initial TIL Missing: Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower. [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.			RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA MDIA - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000036			3	[3] State Compliance - Georgia Home Loan (Fee Charged for Payoff Statement): Georgia Home Loan: Impermissible fee charged for payoff statement. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (1st Lien, Escrow Not Established): Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.55900% or Final Disclosure APR of 5.59700% is in excess of allowable threshold of APOR 3.65% + 1.5%, or 5.15000%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.		BUYER - GENERAL COMMENT (2020-02-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-02-12): Client waives exception. BUYER - GENERAL COMMENT (2020-02-10): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-02-11): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-10): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-11): Client elected to waive the condition BUYER - GENERAL COMMENT (2020-02-10): Waived - Loan was closed using agency guidelines so no other ones can be used. REVIEWER - WAIVED COMMENT (2020-02-11): Client elected to waive the condition	Assignee Liability: Any person who purchases, is assigned or otherwise becomes a holder of a high cost home loan will be subject to all affirmative claims and defenses that the borrower could assert against the creditor of the high cost home loan, including the right of rescission which applies regardless of whether the safe harbor provision is met. In an action brought by a borrower against an assignee: (i) the borrower may only assert the action individually and any relief granted may not exceed the sum of the amount of all remaining indebtedness of the borrower and reasonable attorneys' fees in the individual action; (ii) the borrower may only assert a claim of a violation of the flipping and prohibited high cost home loan provisions in response to the holder's notice of acceleration or foreclosure notice; and (iii) the borrower must bring the action within one year from the date of the occurrence of the violation, except in defense by recoupment or setoff. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	State - NC
1450000035			1								-
1450000034			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TRID Interim Closing Disclosure Timing: TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on 10/XX/2019 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation		BUYER - GENERAL COMMENT (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors. BUYER - GENERAL COMMENT (2020-02-18): Waived - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2020-02-19): Client is electing to waive this exception without compensating factors.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000033			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - Federal HPML 2014 Non Compliant: Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.84570% or Final Disclosure APR of 6.09000% is in excess of allowable threshold of APOR 4.21% + 1.5%, or 5.71000%. Non-Compliant Higher Priced Mortgage Loan. [2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Appraisal Not Obtained Timely): TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation.		REVIEWER - GENERAL COMMENT (2019-09-13): It appears the appraisal was updated as the one in file is dated 6/XX/19 and file contains no evidence of when this was delivered to the borrower. Condition remains outstanding.	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000032			1								-
1450000031			1								-
1450000017			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - Unknown Loan Designation Test: Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,344.50 exceeds tolerance of $786.00 plus 10% or $864.60. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $545.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent Only). Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [1] Federal Compliance - FACTA Disclosure Missing: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.		BUYER - GENERAL COMMENT (2020-06-26): Acknowledged - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2020-06-29): Client has elected to waive BUYER - GENERAL COMMENT (2020-06-26): Acknowledged REVIEWER - WAIVED COMMENT (2020-06-29): Client has elected to waive BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-06-29): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-06-29): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-06-29): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-06-29): Client elects to waive the condition BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-06-29): Client acknowledged the condition BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-06-29): Client acknowledged the condition BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-06-29): Client has elected to waive	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. There is no Assignee Liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000016			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2019). [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $142.00 exceeds tolerance of $90.00 plus 10% or $99.00. Insufficient or no cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-06-26): Acknowledged REVIEWER - WAIVED COMMENT (2020-06-29): Client acknowledged the condition SELLER - GENERAL COMMENT (2020-07-16): PCCD and refund REVIEWER - GENERAL COMMENT (2020-07-17): SitusAMC received PCCD indicating cure, LOE, refund check, and shipping label. Exception may be cured once proof of delivery is available. BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-06-29): Client elects to waive the condition	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000015			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible). [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $394.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-06-26): Acknowledged REVIEWER - WAIVED COMMENT (2020-06-30): Client acknowledged the condition BUYER - GENERAL COMMENT (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-06-29): Client elects to waive the condition.	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000014			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2020 not received by borrower at least four (4) business days prior to closing. [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-07-02): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-02): Waived - not a concern REVIEWER - WAIVED COMMENT (2020-07-02): Client elects to waive exception. BUYER - GENERAL COMMENT (2020-07-02): Waived - not a concern REVIEWER - WAIVED COMMENT (2020-07-02): Client elects to waive exception. REVIEWER - CURED COMMENT (2020-06-30): Sufficient Cure Provided within 60 Days of Closing	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000013			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.: Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [2] Federal Compliance - TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,871.80 on Final Closing Disclosure provided on 06/XX/2019 not accurate. [2] Federal Compliance - TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed: TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. [1] Federal Compliance - RESPA Disclosure - Affiliated Business Arrangement Disclosure Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.		BUYER - GENERAL COMMENT (2020-07-02): Waived - accept dil desig REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-02): Waived - uninsured REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-02): Waived - 2 REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-02): Waived - 2 REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-02): Waived - overdisclosed REVIEWER - WAIVED COMMENT (2020-07-02): Client elects to waive exception BUYER - GENERAL COMMENT (2020-07-02): Waived - insignificant diff plus mi is actually removed so pymt is even lower REVIEWER - WAIVED COMMENT (2020-07-02): Client elects to waive exception BUYER - GENERAL COMMENT (2020-07-02): Waived - 1 REVIEWER - WAIVED COMMENT (2020-07-07): Client has elected to waive	"Assignee Liability: Civil actions that may be brought against a creditor may be maintained against any assignee only if the violation is apparent on the face of the disclosure or other documents assigned, except where the assignment was voluntary. This civil liability may include $4,000, in the case of an individual transaction, or the lesser of $500,000 or 1% of the creditor's net worth in the case of a class action (effective 1/10/14, this amount increases to the lesser of $1,000,000 or 1%), as well as actual damages, court costs, and attorneys' fees. For an anti-steering violation, the creditor may also be liable in an amount equal to the sum of all finance charges and fees paid by the consumer, unless the creditor demonstrates the failure to comply is not material. Notwithstanding any other provision of law, when a creditor, assignee, or other holder or anyone acting on behalf of the creditor, assignee, or holder, initiates a judicial or nonjudicial foreclosure of the residential mortgage loan, or any other action to collect the debt in connection with such loan, a consumer may assert a violation as a matter of defense by recoupment or set off without regard for the time limit on a private action for damages. Effective 1/10/2014 in addition to the aforementioned, the individual Loan Originator could be liable for statutory damages. The maximum liability is the greater of actual damages or 3 times the loan originator's compensation or gain, plus the cost to the consumer of the action. The Dodd-Frank Act extended the statute of limitations on TILA violations to 3 years from the date of the violation." Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000012			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM. [2] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application: RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: Unable to determine Homeownership Counseling List was provided due to missing information.		BUYER - GENERAL COMMENT (2020-07-07): Acknowledged REVIEWER - WAIVED COMMENT (2020-07-07): Client acknowledged the condition BUYER - GENERAL COMMENT (2020-07-07): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-07-07): Client elected to waive BUYER - GENERAL COMMENT (2020-07-07): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-07-07): Client elected to waive	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.			Out	TILA ATR/QM
1450000011			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Final Closing Disclosure Finance Charge: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2016). [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2016 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $68.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Prepaid Dues. Fee Amount of $115.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-07-14): Waived - S&D PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive BUYER - GENERAL COMMENT (2020-07-14): Waived - S&D, PRICED AS NON ATR / NON QM REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive BUYER - GENERAL COMMENT (2020-07-14): Waived - Financed Charge understated by less than 1/2 of 1% of the note amount. REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive BUYER - GENERAL COMMENT (2020-07-14): Acknowledged - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2020-07-14): Client acknowledges the condition BUYER - GENERAL COMMENT (2020-07-14): Waived - S&D, SELLER NOTIFIED NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive exception. BUYER - GENERAL COMMENT (2020-07-14): Acknowledged - S&D, SELLER NOTIFIED NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2020-07-14): Client acknowledges the condition	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, 3yrs for rescindable transactions. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000010			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. [2] Federal Compliance - TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 02/XX/2018 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. [1] Federal Compliance - Federal FACTA Disclosure Timing Test: FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.		BUYER - GENERAL COMMENT (2020-07-14): Waived - FHA S&D REASON REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive BUYER - GENERAL COMMENT (2020-07-14): Waived - S&D FHA: S&D REASON REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive BUYER - GENERAL COMMENT (2020-07-14): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive BUYER - GENERAL COMMENT (2020-07-14): Waived - AMC DD EV 2 REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive BUYER - GENERAL COMMENT (2020-07-14): Waived - AMC DD EV 1 REVIEWER - WAIVED COMMENT (2020-07-14): Client elects to waive	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000009			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Higher Priced QM. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $749.25 exceeds tolerance of $80.00 plus 10% or $88.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,060.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-07-17): Waived - stated defect REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-17): Waived - stated defect REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-17): Waived - seller pd REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-17): Waived - seller pd REVIEWER - WAIVED COMMENT (2020-07-17): Client has elected to waive	Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000008			3	[3] Federal Compliance - Check Loan Designation Match - QM: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. [3] Federal Compliance - General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio: Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio. [3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] Federal Compliance - QM DTI: Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TRID Revised Loan Estimate Timing Before Closing: TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2019 not received by borrower at least four (4) business days prior to closing.		BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON. REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON. REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON. REVIEWER - WAIVED COMMENT (2020-07-27): Client has elected to waive BUYER - GENERAL COMMENT (2020-07-23): Acknowledged - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2020-07-23): Client Acknowledged BUYER - GENERAL COMMENT (2020-07-23): Acknowledged - NO ASSIGNEE LIABILITY. REVIEWER - WAIVED COMMENT (2020-07-23): Client Acknowledged	Although this issue is subject to a 3 year SOL for affirmative claims under TILA, AMC does not adjust grading taking into account TILA SOL for exceptions under ATR, given the potential for enhanced damages when asserting an ability to repay defense in response to an action to collect a debt by recoupment or set-off. Rating Agency requirements are to have the Creditor provide the ATR/QM Loan Designation to the TPR firm performing the loan level due diligence and to have the TPR firm confirm said designation. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.			Out	TILA ATR/QM
1450000007			2	[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,157.96 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - RESPA - Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.		BUYER - GENERAL COMMENT (2020-07-24): Waived - UFMIP has been refunded as part of the uninsuring process. REVIEWER - WAIVED COMMENT (2020-07-24): Client elected to waive BUYER - GENERAL COMMENT (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-07-28): Client has elected to waive	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA HPML - If Non-Compliant, subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.				-
1450000006			2	[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.		BUYER - GENERAL COMMENT (2020-07-30): Waived - 2 REVIEWER - WAIVED COMMENT (2020-07-31): Client has elected to waive					-
1450000005			3	[3] Federal Compliance - HUD QM AU Finding Fail: HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA. [3] State Compliance - Illinois SB 1894: IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. [2] Federal Compliance - TRID Initial Closing Disclosure Timing without Waiver: TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. [2] Federal Compliance - TILA-RESPA Integrated Disclosure: application date on or after 10/XX/2015, no Loan Estimates in the Loan File: TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,401.87 may be required. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $589.00 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $75.00 exceeds tolerance of $35.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title-DFI Policy. Fee Amount of $3.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title-Post Closing Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [1] Federal Compliance - FHA Case Number Assignment Date Missing: FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing. [1] Federal Compliance - RESPA Disclosure - List of Homeownership Counseling Organizations Missing: RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. [1] Federal Compliance - TRID Appraisal Disclosure - ECOA Status: ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.		BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue is related to the known defect. REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive SELLER - GENERAL COMMENT (2020-08-30): Mortgage attached REVIEWER - GENERAL COMMENT (2020-08-31): The seller provided the Security Instrument. Please provide the IL Certificate of Completion. BUYER - GENERAL COMMENT (2020-08-31): Document is not available. BUYER - GENERAL COMMENT (2020-09-01): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-09-02): Client has elected to waive BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-08-25): Client elects to waive the condition. BUYER - GENERAL COMMENT (2020-08-30): Document not available. REVIEWER - GENERAL COMMENT (2020-08-31): No loan estimate in loan file. SitusAMC is unable to complete testing. BUYER - GENERAL COMMENT (2020-08-31): Waived - Issue doesn't impact XXX's ability to purchase this loan. REVIEWER - WAIVED COMMENT (2020-09-01): Client elects to waive the condition. BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-08-25): Client elects to waive the condition. BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-08-25): Client elects to waive the condition. BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-08-25): Client elects to waive the condition. BUYER - GENERAL COMMENT (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. REVIEWER - WAIVED COMMENT (2020-08-25): Client elects to waive the condition. BUYER - GENERAL COMMENT (2020-08-24): Waived - Loan is being purchased as uninsured FHA. REVIEWER - WAIVED COMMENT (2020-08-26): Client has elected to waive BUYER - GENERAL COMMENT (2020-08-30): Document not available. REVIEWER - WAIVED COMMENT (2020-08-31): Client acknowledged the condition REVIEWER - CURED COMMENT (2020-08-19): Sufficient Cure Provided At Closing	RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations. TILA - 1yr affirmative, Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA ROR - 3yrs for rescindable transactions.			Out	TILA ATR/QM
1450000004			1								-
1450000003	Evidence of repairs made is missing.	BUYER - GENERAL COMMENT (2020-09-16): Waived - stated defect REVIEWER - WAIVED COMMENT (2020-09-17): Client has elected to waive	3	[3] Federal Compliance - VA QM Eligibility: VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA. [2] Federal Compliance - TILA - Incorrect Right To Cancel Form Used - H-8 Used on Same Lender Refinance (Circuit 2, 5, 7, 8, 9, 10 or DC): Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used. [2] Federal Compliance - TRID Lender Credit Tolerance Violation: TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-889.41 is less than amount of binding Lender Credit previously disclosed in the amount of $-2,092.00. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for VA Funding Fee. Fee Amount of $13,530.00 exceeds tolerance of $13,365.00. Insufficient or no cure was provided to the borrower.		BUYER - GENERAL COMMENT (2020-09-16): Waived - va uninsured REVIEWER - WAIVED COMMENT (2020-09-17): Client has elected to waive BUYER - GENERAL COMMENT (2020-09-16): Waived - DD level 2 REVIEWER - WAIVED COMMENT (2020-09-17): Client has elected to waive BUYER - GENERAL COMMENT (2020-09-16): Waived - DD Level 2 REVIEWER - WAIVED COMMENT (2020-09-17): Client has elected to waive BUYER - GENERAL COMMENT (2020-09-16): Waived - no assignee liability REVIEWER - WAIVED COMMENT (2020-09-17): Client has elected to waive BUYER - GENERAL COMMENT (2020-09-16): Waived - priced as atr fail/va uninsured REVIEWER - WAIVED COMMENT (2020-09-17): Client has elected to waive	TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. TILA ROR Form - Because this issue is not uniformly settled among the circuit courts, the continuing risk that the borrower may have an extended right to rescind (3 additional years) if a creditor uses the incorrect Model Form remains. Because of this uncertainty, we continue to recommend that creditors use Model Form H-8 only for refinances involving a new creditor and Model Form H-9 for refinances involving the same creditor.			Out	TILA ATR/QM

Unique Loan ID

Last Name

Purpose

Occupancy

Note Date

State

Original Loan Amount

Loan Status

Exception Date

Exception Category

Exception Subcategory

Exception Type

Exception Status

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Property - Appraisal

Appraisal Documentation

Property

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Loan Package Documentation

Government Documentation

Credit

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Loan Package Documentation

Government Documentation

Credit

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

open

1450001581

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Insurance

Insurance Documentation

Credit

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Insurance

Insurance Documentation

Credit

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Compliance

Federal Compliance

Compliance

waived

1450001580

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

8/20/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001579

XXX

Refinance - Cash-out - Other

Primary

5/XX/2017

$XXX

Loan Review Complete

9/4/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001579

XXX

Refinance - Cash-out - Other

Primary

5/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001579

XXX

Refinance - Cash-out - Other

Primary

5/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001579

XXX

Refinance - Cash-out - Other

Primary

5/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001578

XXX

Refinance - Cash-out - Other

Primary

4/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001578

XXX

Refinance - Cash-out - Other

Primary

4/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001578

XXX

Refinance - Cash-out - Other

Primary

4/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001578

XXX

Refinance - Cash-out - Other

Primary

4/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001578

XXX

Refinance - Cash-out - Other

Primary

4/XX/2017

$XXX

Loan Review Complete

9/4/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Income / Employment

Income Documentation

Credit

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001577

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001576

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001576

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001576

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001576

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001576

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001576

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001576

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Loan Package Documentation

Application / Processing

Credit

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Credit

Credit Documentation

Credit

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

State Compliance

Compliance

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

open

1450001575

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/4/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Missing Document

General

Credit

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Credit

Credit Documentation

Credit

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001574

XXX

Refinance - Cash-out - Debt Consolidation

Primary

1/XX/2018

$XXX

Loan Review Complete

9/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001573

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001573

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001573

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001573

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001573

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Insurance

Insurance Documentation

Credit

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001572

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Property - Appraisal

Appraisal Documentation

Credit

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Miscellaneous Compliance

Compliance

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001571

XXX

Refinance - Rate/Term

Primary

11/XX/2017

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001570

XXX

Purchase

Primary

3/XX/2016

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001570

XXX

Purchase

Primary

3/XX/2016

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001570

XXX

Purchase

Primary

3/XX/2016

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001570

XXX

Purchase

Primary

3/XX/2016

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001570

XXX

Purchase

Primary

3/XX/2016

$XXX

Loan Review Complete

9/19/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001569

XXX

Refinance - Limited Cash-out GSE

Primary

1/XX/2018

$XXX

Loan Review Complete

9/13/2018

Property - Appraisal

General Appraisal Requirements

Credit

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Insurance

Insurance Documentation

Credit

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001568

XXX

Purchase

Primary

12/XX/2015

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001567

XXX

Refinance - Streamlined

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Loan Package Documentation

Application / Processing

Credit

open

1450001567

XXX

Refinance - Streamlined

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001567

XXX

Refinance - Streamlined

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001567

XXX

Refinance - Streamlined

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001567

XXX

Refinance - Streamlined

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001567

XXX

Refinance - Streamlined

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Insurance

Insurance Documentation

Credit

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001566

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001565

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001565

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001565

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001565

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001564

XXX

Refinance - Cash-out - Other

Investment

7/XX/2017

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001563

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001563

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001563

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001563

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/13/2018

Loan Package Documentation

Application / Processing

Credit

open

1450001563

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001562

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001561

XXX

Refinance - Cash-out - Other

Investment

5/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001561

XXX

Refinance - Cash-out - Other

Investment

5/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001561

XXX

Refinance - Cash-out - Other

Investment

5/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001561

XXX

Refinance - Cash-out - Other

Investment

5/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001561

XXX

Refinance - Cash-out - Other

Investment

5/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

waived

1450001560

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Compliance

Federal Compliance

Compliance

open

1450001560

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450001560

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

9/13/2018

Loan Package Documentation

Government Documentation

Credit

open

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Loan Package Documentation

Application / Processing

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001559

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

9/19/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Loan Package Documentation

Government Documentation

Credit

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Loan Package Documentation

Government Documentation

Credit

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Credit

Credit Documentation

Credit

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Credit

Credit Calculation / Analysis

Credit

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001545

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

cleared

1450001544

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

10/1/2018

Insurance

Insurance Analysis

Credit

waived

1450001544

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

10/1/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001544

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001543

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001543

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001543

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001542

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

10/1/2018

Compliance

Federal Compliance

Compliance

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Compliance

Federal Compliance

Compliance

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Compliance

Federal Compliance

Compliance

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Compliance

Federal Compliance

Compliance

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Compliance

Federal Compliance

Compliance

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Compliance

Federal Compliance

Compliance

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001541

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

10/15/2018

Compliance

Federal Compliance

Compliance

waived

1450001540

XXX

Purchase

Second Home

4/XX/2018

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001540

XXX

Purchase

Second Home

4/XX/2018

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001540

XXX

Purchase

Second Home

4/XX/2018

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001540

XXX

Purchase

Second Home

4/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001540

XXX

Purchase

Second Home

4/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001540

XXX

Purchase

Second Home

4/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001540

XXX

Purchase

Second Home

4/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Closing / Title

Credit

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001539

XXX

Purchase

Second Home

6/XX/2017

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Credit

Credit Documentation

Credit

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001538

XXX

Purchase

Second Home

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Loan File

Credit

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Income / Employment

Income Documentation

Credit

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001537

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001536

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Insurance

Insurance Analysis

Credit

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001535

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001534

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001534

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001534

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001534

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001534

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001534

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001533

XXX

Purchase

Second Home

1/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001533

XXX

Purchase

Second Home

1/XX/2017

$XXX

Loan Review Complete

10/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001533

XXX

Purchase

Second Home

1/XX/2017

$XXX

Loan Review Complete

10/23/2018

Insurance

Insurance Analysis

Credit

waived

1450001533

XXX

Purchase

Second Home

1/XX/2017

$XXX

Loan Review Complete

10/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001533

XXX

Purchase

Second Home

1/XX/2017

$XXX

Loan Review Complete

10/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Insurance

Insurance Analysis

Credit

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Asset

Asset Documentation

Credit

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Insurance

Insurance Documentation

Credit

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Asset

Asset Documentation

Credit

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Compliance

Federal Compliance

Compliance

waived

1450001532

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

10/26/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Insurance

Insurance Analysis

Credit

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Compliance

Federal Compliance

Compliance

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Compliance

Federal Compliance

Compliance

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Compliance

Federal Compliance

Compliance

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Compliance

Federal Compliance

Compliance

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Compliance

Federal Compliance

Compliance

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Compliance

Federal Compliance

Compliance

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Borrower and Mortgage Eligibility

Borrower Eligibility

Credit

cleared

1450001531

XXX

Purchase

Investment

3/XX/2018

$XXX

Loan Review Complete

10/29/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001426

XXX

Purchase

Primary

2/XX/2017

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001426

XXX

Purchase

Primary

2/XX/2017

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001426

XXX

Purchase

Primary

2/XX/2017

$XXX

Loan Review Complete

11/16/2018

Asset

Asset Calculation / Analysis

Credit

waived

1450001426

XXX

Purchase

Primary

2/XX/2017

$XXX

Loan Review Complete

11/16/2018

Asset

Asset Documentation

Credit

waived

1450001426

XXX

Purchase

Primary

2/XX/2017

$XXX

Loan Review Complete

11/16/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001426

XXX

Purchase

Primary

2/XX/2017

$XXX

Loan Review Complete

11/16/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Insurance

Insurance Analysis

Credit

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001425

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

11/16/2018

Compliance

Federal Compliance

Compliance

waived

1450001424

XXX

Purchase

Second Home

6/XX/2018

$XXX

Loan Review Complete

11/21/2018

Income / Employment

Income Documentation

Credit

cleared

1450001424

XXX

Purchase

Second Home

6/XX/2018

$XXX

Loan Review Complete

11/21/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001424

XXX

Purchase

Second Home

6/XX/2018

$XXX

Loan Review Complete

11/21/2018

Compliance

Federal Compliance

Compliance

cleared

1450001424

XXX

Purchase

Second Home

6/XX/2018

$XXX

Loan Review Complete

11/21/2018

Compliance

Federal Compliance

Compliance

cleared

1450001424

XXX

Purchase

Second Home

6/XX/2018

$XXX

Loan Review Complete

11/21/2018

Compliance

Federal Compliance

Compliance

cleared

1450001423

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

11/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001423

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

11/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001423

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001423

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001423

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001423

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Insurance

Insurance Analysis

Credit

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Compliance

Federal Compliance

Compliance

waived

1450001422

XXX

Purchase

Investment

8/XX/2017

$XXX

Loan Review Complete

11/23/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001421

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

cleared

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Asset

Asset Calculation / Analysis

Credit

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

waived

1450001420

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

12/4/2018

Compliance

Federal Compliance

Compliance

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Insurance

Insurance Documentation

Credit

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Compliance

Federal Compliance

Compliance

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Compliance

Federal Compliance

Compliance

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Compliance

Federal Compliance

Compliance

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Compliance

Federal Compliance

Compliance

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Compliance

Federal Compliance

Compliance

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Compliance

Federal Compliance

Compliance

waived

1450001419

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/6/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001418

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/6/2018

Compliance

Federal Compliance

Compliance

waived

1450001418

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/6/2018

Asset

Asset Calculation / Analysis

Credit

waived

1450001418

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/6/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001418

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/6/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001417

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

12/10/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001417

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

12/10/2018

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450001417

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

12/10/2018

Compliance

State Compliance

Compliance

waived

1450001417

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

12/10/2018

Compliance

Federal Compliance

Compliance

waived

1450001417

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

12/10/2018

Compliance

Federal Compliance

Compliance

waived

1450001416

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/12/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001416

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/12/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001416

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/12/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001416

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/12/2018

Compliance

Federal Compliance

Compliance

waived

1450001416

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/12/2018

Compliance

Federal Compliance

Compliance

waived

1450001416

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/12/2018

Compliance

Federal Compliance

Compliance

waived

1450001416

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/12/2018

Compliance

Federal Compliance

Compliance

waived

1450001415

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/12/2018

Loan Package Documentation

Closing / Title

Credit

cleared

1450001415

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/12/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001414

XXX

Purchase

Investment

1/XX/2018

$XXX

Loan Review Complete

12/18/2018

Compliance

Federal Compliance

Compliance

waived

1450001414

XXX

Purchase

Investment

1/XX/2018

$XXX

Loan Review Complete

12/18/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Guideline

Guideline Issue

Credit

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Insurance

Insurance Documentation

Credit

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001413

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Insurance

Insurance Documentation

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

Credit Eligibility

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001412

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

Credit Eligibility

Credit

waived

1450001411

XXX

Refinance - Cash-out - Other

Investment

6/XX/2017

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001411

XXX

Refinance - Cash-out - Other

Investment

6/XX/2017

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001411

XXX

Refinance - Cash-out - Other

Investment

6/XX/2017

$XXX

Loan Review Complete

12/24/2018

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450001410

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

12/21/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001410

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001410

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001410

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

12/21/2018

Compliance

State Compliance

Compliance

waived

1450001410

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

12/21/2018

Compliance

Miscellaneous Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Loan Package Documentation

Closing / Title

Credit

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Compliance

State Compliance

Compliance

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Asset

Asset Documentation

Credit

waived

1450001409

XXX

Purchase

Primary

7/XX/2014

$XXX

Loan Review Complete

12/21/2018

Asset

Asset Documentation

Credit

waived

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Closing / Title

Credit

cleared

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

cleared

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Income / Employment

Income Documentation

Credit

cleared

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Income / Employment

Income Documentation

Credit

cleared

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

Credit Documentation

Credit

cleared

1450001408

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

cleared

1450001407

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001407

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Income / Employment

Income Documentation

Credit

waived

1450001407

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Closing / Title

Credit

waived

1450001407

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450001407

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

12/24/2018

Income / Employment

Income Documentation

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Missing Document

General

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Insurance

Insurance Eligibility

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Income / Employment

Income Documentation

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Application / Processing

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

1003

Document Error

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Income / Employment

Income Documentation

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Loan Package Documentation

Government Documentation

Credit

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Compliance

Federal Compliance

Compliance

waived

1450001406

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

12/24/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Insurance

Insurance Documentation

Credit

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Asset

Asset Documentation

Credit

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001399

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/21/2018

Compliance

Federal Compliance

Compliance

waived

1450001398

XXX

Purchase

Investment

8/XX/2018

$XXX

Loan Review Complete

12/26/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001397

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

12/26/2018

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450001397

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

12/26/2018

Compliance

Federal Compliance

Compliance

waived

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Loan Package Documentation

Closing / Title

Credit

cleared

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Income / Employment

Income Documentation

Credit

cleared

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Income / Employment

Income Documentation

Credit

cleared

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Asset

Asset Documentation

Credit

cleared

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

cleared

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

cleared

1450000818

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000817

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000817

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000817

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000817

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000817

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Property - Appraisal

Appraisal Documentation

Property

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000816

XXX

Purchase

Primary

7/XX/2017

$XXX

Loan Review Complete

1/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000815

XXX

Purchase

Investment

9/XX/2017

$XXX

Loan Review Complete

1/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000815

XXX

Purchase

Investment

9/XX/2017

$XXX

Loan Review Complete

1/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000815

XXX

Purchase

Investment

9/XX/2017

$XXX

Loan Review Complete

1/18/2019

1003

Document Error

Credit

waived

1450000814

XXX

Refinance - Limited Cash-out GSE

Primary

8/XX/2016

$XXX

Loan Review Complete

1/23/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000814

XXX

Refinance - Limited Cash-out GSE

Primary

8/XX/2016

$XXX

Loan Review Complete

1/23/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000813

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000813

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000813

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000813

XXX

Purchase

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000812

XXX

Refinance - Cash-out - Other

Primary

11/XX/2016

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Property - Appraisal

General Appraisal Requirements

Property

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Asset

Asset Documentation

Credit

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000811

XXX

Refinance - Rate/Term

Primary

2/XX/2017

$XXX

Loan Review Complete

1/23/2019

Loan Package Documentation

Application / Processing

Compliance

waived

1450000810

XXX

Refinance - Cash-out - Other

Primary

4/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

cleared

1450000809

XXX

Refinance - Cash-out - Other

Primary

6/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000809

XXX

Refinance - Cash-out - Other

Primary

6/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000809

XXX

Refinance - Cash-out - Other

Primary

6/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

waived

1450000809

XXX

Refinance - Cash-out - Other

Primary

6/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000808

XXX

Refinance - Rate/Term

Primary

5/XX/2017

$XXX

Loan Review Complete

1/23/2019

Loan Package Documentation

Loan File

Credit

cleared

1450000808

XXX

Refinance - Rate/Term

Primary

5/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

cleared

1450000808

XXX

Refinance - Rate/Term

Primary

5/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

cleared

1450000808

XXX

Refinance - Rate/Term

Primary

5/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

cleared

1450000808

XXX

Refinance - Rate/Term

Primary

5/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

cleared

1450000808

XXX

Refinance - Rate/Term

Primary

5/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

Federal Compliance

Compliance

cleared

1450000808

XXX

Refinance - Rate/Term

Primary

5/XX/2017

$XXX

Loan Review Complete

1/23/2019

Compliance

State Compliance

Compliance

cleared

1450000807

XXX

Purchase

Investment

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000807

XXX

Purchase

Investment

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Income / Employment

Income Documentation

Credit

waived

1450000807

XXX

Purchase

Investment

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Income / Employment

Income Documentation

Credit

waived

1450000807

XXX

Purchase

Investment

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Asset

Asset Documentation

Credit

waived

1450000807

XXX

Purchase

Investment

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Asset

Asset Documentation

Credit

waived

1450000807

XXX

Purchase

Investment

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Asset

Asset Documentation

Credit

waived

1450000806

XXX

Refinance - Cash-out - Other

Primary

8/XX/2017

$XXX

Loan Review Complete

1/25/2019

Insurance

Insurance Analysis

Credit

waived

1450000806

XXX

Refinance - Cash-out - Other

Primary

8/XX/2017

$XXX

Loan Review Complete

1/25/2019

Income / Employment

Income Documentation

Credit

waived

1450000806

XXX

Refinance - Cash-out - Other

Primary

8/XX/2017

$XXX

Loan Review Complete

1/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000806

XXX

Refinance - Cash-out - Other

Primary

8/XX/2017

$XXX

Loan Review Complete

1/25/2019

Income / Employment

Income Documentation

Credit

waived

1450000806

XXX

Refinance - Cash-out - Other

Primary

8/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000806

XXX

Refinance - Cash-out - Other

Primary

8/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000806

XXX

Refinance - Cash-out - Other

Primary

8/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000805

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000803

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000803

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000803

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000803

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000802

XXX

Purchase

Primary

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000802

XXX

Purchase

Primary

11/XX/2017

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000801

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000801

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000801

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000801

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000801

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000801

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000800

XXX

Refinance - Cash-out - Other

Primary

3/XX/2018

$XXX

Loan Review Complete

1/28/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000799

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000799

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000798

XXX

Refinance - Limited Cash-out GSE

Primary

3/XX/2018

$XXX

Loan Review Complete

1/29/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000798

XXX

Refinance - Limited Cash-out GSE

Primary

3/XX/2018

$XXX

Loan Review Complete

1/29/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000798

XXX

Refinance - Limited Cash-out GSE

Primary

3/XX/2018

$XXX

Loan Review Complete

1/29/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000798

XXX

Refinance - Limited Cash-out GSE

Primary

3/XX/2018

$XXX

Loan Review Complete

1/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000798

XXX

Refinance - Limited Cash-out GSE

Primary

3/XX/2018

$XXX

Loan Review Complete

1/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000798

XXX

Refinance - Limited Cash-out GSE

Primary

3/XX/2018

$XXX

Loan Review Complete

1/29/2019

Guideline

Guideline Issue

Credit

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000797

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

1/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000796

XXX

Purchase

Investment

5/XX/2018

$XXX

Loan Review Complete

1/29/2019

Guideline

Guideline Issue

Credit

waived

1450000795

XXX

Refinance - Cash-out - Other

Investment

6/XX/2018

$XXX

Loan Review Complete

1/28/2019

Insurance

Insurance Analysis

Credit

waived

1450000793

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

1/29/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000793

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

1/29/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000793

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

1/29/2019

Compliance

State Compliance

Compliance

waived

1450000793

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

1/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000793

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

1/29/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000793

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

1/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000793

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

1/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000792

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Insurance

Insurance Documentation

Credit

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Income / Employment

Income Documentation

Credit

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Asset

Asset Documentation

Credit

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000791

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000790

XXX

Refinance - Cash-out - Other

Primary

7/XX/2018

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000790

XXX

Refinance - Cash-out - Other

Primary

7/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000790

XXX

Refinance - Cash-out - Other

Primary

7/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000790

XXX

Refinance - Cash-out - Other

Primary

7/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

State Compliance

Compliance

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Asset

Asset Documentation

Credit

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Income / Employment

Income Documentation

Credit

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000789

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000788

XXX

Refinance - Streamlined

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000787

XXX

Refinance - Rate/Term

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000787

XXX

Refinance - Rate/Term

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

State Compliance

Compliance

waived

1450000787

XXX

Refinance - Rate/Term

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

State Compliance

Compliance

waived

1450000787

XXX

Refinance - Rate/Term

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000787

XXX

Refinance - Rate/Term

Primary

5/XX/2018

$XXX

Loan Review Complete

2/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Loan Package Documentation

Loan File

Credit

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Insurance

Insurance Analysis

Credit

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000786

XXX

Refinance - Rate/Term

Primary

4/XX/2013

$XXX

Loan Review Complete

1/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000785

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000785

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000785

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000785

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000785

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

2/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000785

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000784

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000784

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000784

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

2/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000783

XXX

Purchase

Investment

9/XX/2016

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000783

XXX

Purchase

Investment

9/XX/2016

$XXX

Loan Review Complete

2/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000782

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

cured

1450000782

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

2/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cured

1450000782

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

cured

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Property - Appraisal

Appraisal Data Integrity

Credit

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Credit

Credit Eligibility

Credit

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000781

XXX

Refinance - Cash-out - Debt Consolidation

Primary

11/XX/2018

$XXX

Loan Review Complete

2/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000780

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

1/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000779

XXX

Purchase

Second Home

7/XX/2018

$XXX

Loan Review Complete

1/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000779

XXX

Purchase

Second Home

7/XX/2018

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000779

XXX

Purchase

Second Home

7/XX/2018

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000779

XXX

Purchase

Second Home

7/XX/2018

$XXX

Loan Review Complete

1/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000778

XXX

Purchase

Investment

8/XX/2012

$XXX

Loan Review Complete

2/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000778

XXX

Purchase

Investment

8/XX/2012

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000778

XXX

Purchase

Investment

8/XX/2012

$XXX

Loan Review Complete

2/13/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000778

XXX

Purchase

Investment

8/XX/2012

$XXX

Loan Review Complete

2/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

State Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000777

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

2/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000776

XXX

Purchase

Investment

10/XX/2018

$XXX

Loan Review Complete

2/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

1003

Document Error

Credit

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Compliance

Federal Compliance

Compliance

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000775

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

2/12/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000774

XXX

Purchase

Investment

8/XX/2018

$XXX

Loan Review Complete

2/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000774

XXX

Purchase

Investment

8/XX/2018

$XXX

Loan Review Complete

2/11/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000774

XXX

Purchase

Investment

8/XX/2018

$XXX

Loan Review Complete

2/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000773

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

2/19/2019

Property - Appraisal

General Appraisal Requirements

Credit

waived

1450000773

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

2/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000773

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

2/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000773

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

2/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000773

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

2/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000773

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

2/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Insurance

Insurance Eligibility

Credit

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000772

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

2/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000771

XXX

Refinance - Rate/Term

Investment

8/XX/2018

$XXX

Loan Review Complete

2/25/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000771

XXX

Refinance - Rate/Term

Investment

8/XX/2018

$XXX

Loan Review Complete

2/25/2019

Insurance

Insurance Analysis

Credit

cleared

1450000771

XXX

Refinance - Rate/Term

Investment

8/XX/2018

$XXX

Loan Review Complete

2/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000771

XXX

Refinance - Rate/Term

Investment

8/XX/2018

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

cleared

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000770

XXX

Refinance - Cash-out - Other

Primary

5/XX/2015

$XXX

Loan Review Complete

2/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Document Error

General

Credit

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000769

XXX

Refinance - Cash-out - Other

Primary

9/XX/2017

$XXX

Loan Review Complete

2/27/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Guideline

Guideline Issue

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Insurance

Insurance Documentation

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Property - Appraisal

Appraisal Documentation

Property

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Credit

Miscellaneous

Credit

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000768

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

2/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Insurance

Insurance Documentation

Credit

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Property - Appraisal

Appraisal Documentation

Property

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000767

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

3/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Credit

Credit Documentation

Credit

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Credit

Miscellaneous

Credit

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000766

XXX

Purchase

Second Home

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Loan Package Documentation

Loan File

Credit

waived

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000765

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

3/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000764

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/5/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Insurance

Insurance Documentation

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Insurance

Insurance Analysis

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Guideline

Guideline Issue

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Insurance

Insurance Analysis

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Credit

Credit Eligibility

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Credit

Credit Eligibility

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Compliance

Federal Compliance

Compliance

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000763

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

3/5/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000762

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

3/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000762

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

3/11/2019

Compliance

State Compliance

Compliance

waived

1450000762

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

3/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Income / Employment

Income Documentation

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Asset

Asset Documentation

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Credit

Credit Eligibility

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Fraud

General

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000761

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000760

XXX

Purchase

Investment

2/XX/2018

$XXX

Loan Review Complete

3/15/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000759

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

3/15/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000759

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000759

XXX

Purchase

Primary

1/XX/2018

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000758

XXX

Purchase

Investment

8/XX/2018

$XXX

Loan Review Complete

3/26/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000758

XXX

Purchase

Investment

8/XX/2018

$XXX

Loan Review Complete

3/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000758

XXX

Purchase

Investment

8/XX/2018

$XXX

Loan Review Complete

3/26/2019

Asset

Asset Documentation

Credit

waived

1450000757

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/28/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000757

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000757

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000757

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000757

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000757

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/28/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000757

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

3/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000756

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/28/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000756

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/28/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000756

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/28/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000756

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Asset

Asset Documentation

Credit

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Compliance

State Compliance

Compliance

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000733

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000732

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

4/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000732

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

4/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000732

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

4/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Insurance

Insurance Analysis

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Insurance

Insurance Documentation

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Property - Appraisal

Appraisal Documentation

Property

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000731

XXX

Refinance - Rate/Term

Primary

8/XX/2017

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000730

XXX

Purchase

Second Home

10/XX/2015

$XXX

Loan Review Complete

4/3/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000730

XXX

Purchase

Second Home

10/XX/2015

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

waived

1450000730

XXX

Purchase

Second Home

10/XX/2015

$XXX

Loan Review Complete

4/3/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000729

XXX

Purchase

Primary

7/XX/2015

$XXX

Loan Review Complete

4/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000729

XXX

Purchase

Primary

7/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000728

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cured

1450000728

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cured

1450000728

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cured

1450000728

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

4/4/2019

Loan Package Documentation

Application / Processing

Credit

cured

1450000728

XXX

Purchase

Primary

4/XX/2017

$XXX

Loan Review Complete

4/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cured

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Credit

Credit Eligibility

Credit

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Miscellaneous Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Miscellaneous Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000727

XXX

Refinance - Cash-out - Other

Primary

10/XX/2015

$XXX

Loan Review Complete

4/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000726

XXX

Refinance - Cash-out - Other

Investment

9/XX/2018

$XXX

Loan Review Complete

4/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000726

XXX

Refinance - Cash-out - Other

Investment

9/XX/2018

$XXX

Loan Review Complete

4/4/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000726

XXX

Refinance - Cash-out - Other

Investment

9/XX/2018

$XXX

Loan Review Complete

4/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000726

XXX

Refinance - Cash-out - Other

Investment

9/XX/2018

$XXX

Loan Review Complete

4/4/2019

Income / Employment

Income Documentation

Credit

waived

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Income / Employment

Income Documentation

Credit

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Income / Employment

Income Documentation

Credit

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000725

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000724

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

4/5/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000724

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

4/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000724

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

4/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000724

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

4/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000724

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

4/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000724

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

4/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Insurance

Insurance Documentation

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

State Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000723

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

4/8/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Miscellaneous Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000722

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Compliance

Federal Compliance

Compliance

cleared

1450000721

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/8/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Insurance

Insurance Documentation

Credit

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000719

XXX

Refinance - Cash-out - Debt Consolidation

Primary

12/XX/2017

$XXX

Loan Review Complete

4/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000718

XXX

Purchase

Primary

9/XX/2016

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000718

XXX

Purchase

Primary

9/XX/2016

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000718

XXX

Purchase

Primary

9/XX/2016

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000718

XXX

Purchase

Primary

9/XX/2016

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000718

XXX

Purchase

Primary

9/XX/2016

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000718

XXX

Purchase

Primary

9/XX/2016

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000718

XXX

Purchase

Primary

9/XX/2016

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000717

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000717

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000717

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

4/18/2019

Insurance

Insurance Analysis

Credit

waived

1450000717

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

4/18/2019

Insurance

Insurance Analysis

Credit

waived

1450000717

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000717

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Insurance

Insurance Eligibility

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

Credit Eligibility

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Asset

Asset Documentation

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Income / Employment

Income Documentation

Credit

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000716

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Insurance

Insurance Eligibility

Credit

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000715

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Insurance

Insurance Eligibility

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Guideline

Guideline Issue

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Asset

Asset Documentation

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Income / Employment

Income Documentation

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

Credit Eligibility

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Income / Employment

Income Documentation

Credit

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000714

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000713

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

4/18/2019

Insurance

Insurance Eligibility

Credit

waived

1450000713

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

4/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000713

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000713

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000713

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000713

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000713

XXX

Purchase

Primary

3/XX/2018

$XXX

Loan Review Complete

4/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000712

XXX

Purchase

Second Home

2/XX/2019

$XXX

Loan Review Complete

4/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000712

XXX

Purchase

Second Home

2/XX/2019

$XXX

Loan Review Complete

4/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000712

XXX

Purchase

Second Home

2/XX/2019

$XXX

Loan Review Complete

4/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000712

XXX

Purchase

Second Home

2/XX/2019

$XXX

Loan Review Complete

4/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000712

XXX

Purchase

Second Home

2/XX/2019

$XXX

Loan Review Complete

4/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000712

XXX

Purchase

Second Home

2/XX/2019

$XXX

Loan Review Complete

4/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000712

XXX

Purchase

Second Home

2/XX/2019

$XXX

Loan Review Complete

4/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000710

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/23/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000710

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/23/2019

Insurance

Insurance Analysis

Credit

waived

1450000710

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/23/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000710

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

4/23/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Insurance

Insurance Eligibility

Credit

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000709

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

4/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000707

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/1/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000707

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000707

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000707

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/1/2019

Income / Employment

Income Documentation

Credit

waived

1450000707

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/1/2019

Asset

Asset Documentation

Credit

waived

1450000707

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000707

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Income / Employment

Income Documentation

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Asset

Asset Documentation

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Insurance

Insurance Documentation

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Income / Employment

Income Documentation

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000706

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

5/8/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Fraud

General

Credit

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000705

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

5/14/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000704

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

5/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000703

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Loan File

Credit

waived

1450000703

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000703

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000703

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000703

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000703

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

5/20/2019

Property - Appraisal

Property Eligibility - Site and Utilities

Credit

waived

1450000703

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

5/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000702

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000702

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000702

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Income / Employment

Income Documentation

Credit

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000701

XXX

Refinance - Rate/Term

Primary

2/XX/2018

$XXX

Loan Review Complete

5/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Insurance

Insurance Documentation

Credit

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Insurance

Insurance Analysis

Credit

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Property - Appraisal

Appraisal Reconciliation

Property

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000700

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Insurance

Insurance Analysis

Credit

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Income / Employment

Income Documentation

Credit

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Insurance

Insurance Analysis

Credit

waived

1450000699

XXX

Refinance - Cash-out - Other

Investment

12/XX/2018

$XXX

Loan Review Complete

5/20/2019

Guideline

Guideline Issue

Credit

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000698

XXX

Refinance - Limited Cash-out GSE

Primary

4/XX/2018

$XXX

Loan Review Complete

5/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Compliance

Federal Compliance

Compliance

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Compliance

Federal Compliance

Compliance

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Compliance

State Compliance

Compliance

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Compliance

Federal Compliance

Compliance

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Compliance

Federal Compliance

Compliance

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000697

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

5/17/2019

Compliance

Federal Compliance

Compliance

waived

1450000696

XXX

Refinance - Limited Cash-out GSE

Primary

2/XX/2019

$XXX

Loan Review Complete

5/15/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000696

XXX

Refinance - Limited Cash-out GSE

Primary

2/XX/2019

$XXX

Loan Review Complete

5/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000696

XXX

Refinance - Limited Cash-out GSE

Primary

2/XX/2019

$XXX

Loan Review Complete

5/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000696

XXX

Refinance - Limited Cash-out GSE

Primary

2/XX/2019

$XXX

Loan Review Complete

5/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000695

XXX

Purchase

Investment

4/XX/2018

$XXX

Loan Review Complete

5/21/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000694

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/21/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000694

XXX

Refinance - Cash-out - Other

Investment

2/XX/2018

$XXX

Loan Review Complete

5/21/2019

Missing Document

General

Credit

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000693

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

5/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Income / Employment

Income Documentation

Credit

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Miscellaneous Compliance

Compliance

waived

1450000668

XXX

Refinance - Cash-out - Other

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000667

XXX

Refinance - Cash-out - Other

Investment

10/XX/2017

$XXX

Loan Review Complete

5/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000667

XXX

Refinance - Cash-out - Other

Investment

10/XX/2017

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000667

XXX

Refinance - Cash-out - Other

Investment

10/XX/2017

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000666

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Title

General

Credit

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Legal / Regulatory / Compliance

Title / Lien Defect

Credit

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

State Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Guideline

Guideline Issue

Credit

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Property - Appraisal

Appraisal Documentation

Property

cleared

1450000665

XXX

Refinance - Limited Cash-out GSE

Primary

9/XX/2016

$XXX

Loan Review Complete

5/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Income / Employment

Income Documentation

Credit

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Income / Employment

Income Documentation

Credit

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000664

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

cleared

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Credit

Miscellaneous

Credit

waived

1450000663

XXX

Refinance - Cash-out - Other

Primary

1/XX/2019

$XXX

Loan Review Complete

5/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Insurance

Insurance Documentation

Credit

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000662

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

6/5/2019

Compliance

Federal Compliance

Compliance

waived

1450000661

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/10/2019

Guideline

Guideline Issue

Credit

waived

1450000661

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000660

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

6/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Compliance

Miscellaneous Compliance

Compliance

waived

1450000659

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

6/25/2019

Income / Employment

Income Documentation

Credit

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Insurance

Insurance Documentation

Credit

waived

1450000658

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

6/27/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Asset

Asset Documentation

Credit

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Insurance

Insurance Analysis

Credit

waived

1450000657

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Property - Appraisal

Appraisal Documentation

Credit

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Insurance

Insurance Analysis

Credit

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Compliance

Federal Compliance

Compliance

waived

1450000656

XXX

Refinance - Rate/Term

Primary

4/XX/2018

$XXX

Loan Review Complete

6/27/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000577

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

7/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000577

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

7/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000577

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

7/2/2019

Income / Employment

Income Documentation

Credit

waived

1450000576

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

7/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000576

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

7/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000576

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

7/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000576

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

7/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000576

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

7/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000576

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

7/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000576

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

7/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000575

XXX

Purchase

Investment

3/XX/2019

$XXX

Loan Review Complete

7/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000575

XXX

Purchase

Investment

3/XX/2019

$XXX

Loan Review Complete

7/10/2019

Income / Employment

Income Documentation

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Closing / Title

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

State Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

State Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000574

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

7/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Insurance

Insurance Eligibility

Credit

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Insurance

Insurance Documentation

Credit

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

State Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000573

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000572

XXX

Refinance - Cash-out - Other

Second Home

3/XX/2017

$XXX

Loan Review Complete

7/15/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000572

XXX

Refinance - Cash-out - Other

Second Home

3/XX/2017

$XXX

Loan Review Complete

7/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000572

XXX

Refinance - Cash-out - Other

Second Home

3/XX/2017

$XXX

Loan Review Complete

7/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000572

XXX

Refinance - Cash-out - Other

Second Home

3/XX/2017

$XXX

Loan Review Complete

7/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000572

XXX

Refinance - Cash-out - Other

Second Home

3/XX/2017

$XXX

Loan Review Complete

7/15/2019

Compliance

Federal Compliance

Compliance

waived

1450000572

XXX

Refinance - Cash-out - Other

Second Home

3/XX/2017

$XXX

Loan Review Complete

7/15/2019

Property - Appraisal

Appraisal Data Integrity

Property

waived

1450000572

XXX

Refinance - Cash-out - Other

Second Home

3/XX/2017

$XXX

Loan Review Complete

7/15/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000571

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000571

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000571

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000571

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000571

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000571

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Insurance

Insurance Analysis

Credit

waived

1450000570

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Income / Employment

Income Documentation

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Income / Employment

Income Documentation

Credit

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000569

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

7/18/2019

Income / Employment

Income Documentation

Credit

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000568

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000567

XXX

Purchase

Second Home

3/XX/2019

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000567

XXX

Purchase

Second Home

3/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000567

XXX

Purchase

Second Home

3/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000567

XXX

Purchase

Second Home

3/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000567

XXX

Purchase

Second Home

3/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000567

XXX

Purchase

Second Home

3/XX/2019

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000567

XXX

Purchase

Second Home

3/XX/2019

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000566

XXX

Purchase

Primary

9/XX/2014

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000566

XXX

Purchase

Primary

9/XX/2014

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000566

XXX

Purchase

Primary

9/XX/2014

$XXX

Loan Review Complete

7/18/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000566

XXX

Purchase

Primary

9/XX/2014

$XXX

Loan Review Complete

7/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000566

XXX

Purchase

Primary

9/XX/2014

$XXX

Loan Review Complete

7/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Insurance

Insurance Eligibility

Credit

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Insurance

Insurance Analysis

Credit

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Insurance

Insurance Documentation

Credit

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Property - Appraisal

Appraisal Documentation

Property

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Compliance

Federal Compliance

Compliance

waived

1450000565

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/24/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Asset

Asset Documentation

Credit

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000564

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

7/26/2019

Income / Employment

Income Documentation

Credit

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000563

XXX

Purchase

Primary

4/XX/2015

$XXX

Loan Review Complete

7/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000370

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Credit

Public Records

Credit

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

Federal Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

State Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

State Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

Federal Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

Federal Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

Federal Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

Federal Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

Federal Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Compliance

Federal Compliance

Compliance

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000369

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

8/13/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000368

XXX

Purchase

Investment

9/XX/2018

$XXX

Loan Review Complete

8/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000368

XXX

Purchase

Investment

9/XX/2018

$XXX

Loan Review Complete

8/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000367

XXX

Refinance - Cash-out - Other

Investment

7/XX/2018

$XXX

Loan Review Complete

8/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000367

XXX

Refinance - Cash-out - Other

Investment

7/XX/2018

$XXX

Loan Review Complete

8/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000367

XXX

Refinance - Cash-out - Other

Investment

7/XX/2018

$XXX

Loan Review Complete

8/16/2019

Insurance

Insurance Analysis

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000366

XXX

Purchase

Investment

6/XX/2018

$XXX

Loan Review Complete

8/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Insurance

Insurance Analysis

Credit

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000365

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

8/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Income / Employment

Income Documentation

Credit

waived

1450000364

XXX

Purchase

Second Home

11/XX/2018

$XXX

Loan Review Complete

8/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000363

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000363

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Compliance

Federal Compliance

Compliance

waived

1450000363

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000363

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Income / Employment

Income Documentation

Credit

waived

1450000363

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000363

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000363

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

System

General

Credit

waived

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Income / Employment

Income Documentation

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Compliance

Federal Compliance

Compliance

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Property - Appraisal

Appraisal Documentation

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Compliance

Federal Compliance

Compliance

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Asset

Asset Documentation

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

System

General

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000362

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Income / Employment

Income Documentation

Credit

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Compliance

Federal Compliance

Compliance

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Compliance

State Compliance

Compliance

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Insurance

Insurance Analysis

Credit

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

System

General

Credit

cleared

1450000361

XXX

Refinance - Cash-out - Other

Investment

5/XX/2019

$XXX

Loan Review Complete

8/22/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Compliance

Federal Compliance

Compliance

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Compliance

Federal Compliance

Compliance

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Compliance

Federal Compliance

Compliance

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000360

XXX

Refinance - Rate/Term

Primary

6/XX/2015

$XXX

Loan Review Complete

8/23/2019

Compliance

Federal Compliance

Compliance

cleared

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Asset

Asset Documentation

Credit

waived

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000351

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

8/29/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Insurance

Insurance Analysis

Credit

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

State Compliance

Compliance

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

State Compliance

Compliance

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Insurance

Insurance Analysis

Credit

waived

1450000350

XXX

Refinance - Cash-out - Other

Primary

2/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

State Compliance

Compliance

waived

1450000349

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000349

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000349

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000349

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000349

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000349

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000349

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000348

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

9/18/2019

Compliance

Federal Compliance

Compliance

cured

1450000348

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

9/18/2019

Compliance

Federal Compliance

Compliance

cured

1450000348

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

9/18/2019

Compliance

Federal Compliance

Compliance

cured

1450000348

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

9/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cured

1450000348

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

9/18/2019

Guideline

Guideline Issue

Credit

cured

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Collateral

General

Property

waived

1450000347

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Insurance

Insurance Documentation

Credit

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000346

XXX

Purchase

Primary

1/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Insurance

Insurance Documentation

Credit

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Asset

Asset Documentation

Credit

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Guideline

Guideline Issue

Credit

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000345

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000344

XXX

Refinance - Cash-out - Other

Investment

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000344

XXX

Refinance - Cash-out - Other

Investment

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000344

XXX

Refinance - Cash-out - Other

Investment

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Income / Employment

Income Documentation

Credit

waived

1450000344

XXX

Refinance - Cash-out - Other

Investment

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000344

XXX

Refinance - Cash-out - Other

Investment

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000344

XXX

Refinance - Cash-out - Other

Investment

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000343

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Insurance

Insurance Analysis

Credit

cleared

1450000343

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000343

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Insurance

Insurance Documentation

Credit

cleared

1450000343

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000343

XXX

Refinance - Cash-out - Other

Primary

2/XX/2019

$XXX

Loan Review Complete

9/16/2019

Compliance

Federal Compliance

Compliance

cleared

1450000342

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

9/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000342

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

9/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000342

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

9/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Property - Appraisal

General Appraisal Requirements

Property

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000341

XXX

Purchase

Primary

3/XX/2017

$XXX

Loan Review Complete

9/20/2019

Compliance

Federal Compliance

Compliance

waived

1450000340

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

9/25/2019

Insurance

Insurance Eligibility

Credit

open

1450000340

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

9/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450000340

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

9/25/2019

Compliance

Federal Compliance

Compliance

open

1450000340

XXX

Refinance - Cash-out - Other

Primary

3/XX/2019

$XXX

Loan Review Complete

9/25/2019

Compliance

Federal Compliance

Compliance

open

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Insurance

Insurance Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000339

XXX

Refinance - Rate/Term

Primary

12/XX/2018

$XXX

Loan Review Complete

10/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

State Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000338

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000337

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000337

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000337

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000337

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000337

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000337

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000336

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000336

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000336

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000336

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/8/2019

System

General

Credit

waived

1450000335

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

10/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000335

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000335

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000335

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000335

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

10/8/2019

Insurance

Insurance Analysis

Credit

waived

1450000335

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

10/8/2019

System

General

Credit

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000334

XXX

Purchase

Primary

3/XX/2019

$XXX

Loan Review Complete

10/8/2019

Compliance

Federal Compliance

Compliance

waived

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Insurance

Insurance Eligibility

Credit

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Insurance

Insurance Analysis

Credit

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Compliance

Miscellaneous Compliance

Credit

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Compliance

Federal Compliance

Compliance

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Missing Document

General

Credit

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000333

XXX

Refinance - Rate/Term

Primary

7/XX/2017

$XXX

Loan Review Complete

3/15/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Loan Package Documentation

Closing / Title

Credit

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Guideline

Guideline Issue

Credit

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Income / Employment

Income Documentation

Credit

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Compliance

Federal Compliance

Compliance

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000332

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

8/1/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000331

XXX

Refinance - Cash-out - Other

Primary

5/XX/2018

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

open

1450000331

XXX

Refinance - Cash-out - Other

Primary

5/XX/2018

$XXX

Loan Review Complete

4/3/2019

Compliance

Federal Compliance

Compliance

open

1450000331

XXX

Refinance - Cash-out - Other

Primary

5/XX/2018

$XXX

Loan Review Complete

4/3/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000331

XXX

Refinance - Cash-out - Other

Primary

5/XX/2018

$XXX

Loan Review Complete

4/3/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000331

XXX

Refinance - Cash-out - Other

Primary

5/XX/2018

$XXX

Loan Review Complete

4/3/2019

Insurance

Insurance Eligibility

Credit

open

1450000331

XXX

Refinance - Cash-out - Other

Primary

5/XX/2018

$XXX

Loan Review Complete

4/3/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000330

XXX

Refinance - Rate/Term

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Insurance

Insurance Eligibility

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Insurance

Insurance Documentation

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Guideline

Guideline Issue

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Compliance

Federal Compliance

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Compliance

Federal Compliance

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Compliance

Federal Compliance

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Compliance

Federal Compliance

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Compliance

Federal Compliance

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Compliance

Federal Compliance

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Compliance

Federal Compliance

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Loan Package Documentation

Application / Processing

Compliance

open

1450000329

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

4/11/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000328

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000328

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000328

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Compliance

Miscellaneous Compliance

Credit

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Compliance

Federal Compliance

Compliance

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Compliance

Federal Compliance

Compliance

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Compliance

Federal Compliance

Compliance

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Guideline

Guideline Issue

Credit

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Missing Document

General

Credit

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000327

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

7/25/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Loan File

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Credit

Credit Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Miscellaneous Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Insurance

Insurance Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Insurance

Insurance Analysis

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

1003

Document Error

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Miscellaneous Compliance

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Missing Document

General

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000326

XXX

Purchase

Primary

6/XX/2012

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Loan Package Documentation

Application / Processing

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Loan Package Documentation

Application / Processing

Credit

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Loan Package Documentation

Application / Processing

Credit

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Loan Package Documentation

Application / Processing

Credit

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Insurance

Insurance Analysis

Credit

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Loan Package Documentation

Government Documentation

Credit

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Loan Package Documentation

Government Documentation

Credit

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Insurance

Insurance Eligibility

Credit

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000325

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

7/2/2018

Compliance

Federal Compliance

Compliance

open

1450000324

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000324

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000324

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

7/19/2019

Compliance

Federal Compliance

Compliance

cleared

1450000324

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

7/19/2019

Missing Document

General

Credit

cleared

1450000324

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000324

XXX

Purchase

Primary

8/XX/2016

$XXX

Loan Review Complete

7/19/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000323

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000323

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

7/19/2019

Compliance

Miscellaneous Compliance

Credit

cleared

1450000323

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

7/19/2019

Missing Document

General

Credit

cleared

1450000323

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

7/19/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000323

XXX

Purchase

Primary

9/XX/2017

$XXX

Loan Review Complete

7/19/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000322

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/26/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000322

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/26/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000322

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/26/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000322

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/26/2019

Compliance

Federal Compliance

Compliance

cleared

1450000322

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/26/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000322

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

3/26/2019

Guideline

Guideline Issue

Credit

cleared

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Income / Employment

Income Documentation

Credit

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Credit

Credit Documentation

Credit

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Compliance

Federal Compliance

Compliance

waived

1450000321

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000320

XXX

Refinance - Cash-out - Other

Investment

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000320

XXX

Refinance - Cash-out - Other

Investment

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Insurance

Insurance Analysis

Credit

waived

1450000320

XXX

Refinance - Cash-out - Other

Investment

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000319

XXX

Refinance - Cash-out - Debt Consolidation

Investment

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000319

XXX

Refinance - Cash-out - Debt Consolidation

Investment

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Missing Document

General

Credit

waived

1450000319

XXX

Refinance - Cash-out - Debt Consolidation

Investment

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000319

XXX

Refinance - Cash-out - Debt Consolidation

Investment

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000318

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000318

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000318

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000318

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000318

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000318

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2019

$XXX

Loan Review Complete

10/16/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000317

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/18/2019

Guideline

Guideline Issue

Credit

waived

1450000316

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000316

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000316

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/21/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000316

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

10/21/2019

Compliance

Federal Compliance

Compliance

waived

1450000315

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

cured

1450000315

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

10/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cured

1450000315

XXX

Purchase

Primary

11/XX/2018

$XXX

Loan Review Complete

10/25/2019

Loan Package Documentation

Application / Processing

Credit

cured

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Guideline

Guideline Issue

Credit

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000314

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

10/25/2019

Compliance

Federal Compliance

Compliance

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Compliance

Federal Compliance

Compliance

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000313

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/28/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000312

XXX

Refinance - Rate/Term

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000312

XXX

Refinance - Rate/Term

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000312

XXX

Refinance - Rate/Term

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000312

XXX

Refinance - Rate/Term

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000312

XXX

Refinance - Rate/Term

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000311

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/30/2019

Compliance

Federal Compliance

Compliance

cured

1450000311

XXX

Purchase

Primary

5/XX/2017

$XXX

Loan Review Complete

10/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cured

1450000310

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

10/30/2019

Compliance

Federal Compliance

Compliance

cured

1450000309

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000309

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000309

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Compliance

Federal Compliance

Compliance

waived

1450000309

XXX

Purchase

Primary

6/XX/2018

$XXX

Loan Review Complete

10/29/2019

Property - Appraisal

General Appraisal Requirements

Property

waived

1450000308

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

11/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000308

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

11/1/2019

Compliance

Federal Compliance

Compliance

waived

1450000308

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

11/1/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Credit

Credit Calculation / Analysis

Credit

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000307

XXX

Refinance - Cash-out - Debt Consolidation

Primary

4/XX/2019

$XXX

Loan Review Complete

11/4/2019

Compliance

Federal Compliance

Compliance

cleared

1450000306

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000306

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000306

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000306

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000306

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

State Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000305

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000304

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Guideline

Guideline Issue

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Guideline

Guideline Issue

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Income / Employment

Income Documentation

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Credit

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

cleared

1450000303

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

11/10/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000302

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

11/10/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000302

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000302

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000302

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000302

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000302

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

11/10/2019

Income / Employment

Income Documentation

Credit

waived

1450000302

XXX

Refinance - Cash-out - Other

Primary

8/XX/2018

$XXX

Loan Review Complete

11/10/2019

Compliance

Federal Compliance

Compliance

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Insurance

Insurance Analysis

Credit

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000301

XXX

Refinance - Limited Cash-out GSE

Primary

11/XX/2018

$XXX

Loan Review Complete

11/11/2019

Compliance

Federal Compliance

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Legal / Regulatory / Compliance

Anti-Predatory Violation

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Legal / Regulatory / Compliance

Anti-Predatory Violation

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Legal / Regulatory / Compliance

Anti-Predatory Violation

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Legal / Regulatory / Compliance

Anti-Predatory Violation

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Legal / Regulatory / Compliance

Anti-Predatory Violation

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000300

XXX

Refinance - Cash-out - Other

Primary

10/XX/2018

$XXX

Loan Review Complete

11/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000299

XXX

Refinance - Cash-out - Other

Investment

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000299

XXX

Refinance - Cash-out - Other

Investment

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000299

XXX

Refinance - Cash-out - Other

Investment

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000299

XXX

Refinance - Cash-out - Other

Investment

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Income / Employment

Income Documentation

Credit

waived

1450000299

XXX

Refinance - Cash-out - Other

Investment

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Income / Employment

Income Documentation

Credit

waived

1450000299

XXX

Refinance - Cash-out - Other

Investment

7/XX/2019

$XXX

Loan Review Complete

11/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Insurance

Insurance Documentation

Credit

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Title

Document Error

Credit

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000298

XXX

Refinance - Cash-out - Other

Primary

4/XX/2019

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000297

XXX

Purchase

Primary

1/XX/2017

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Insurance

Insurance Eligibility

Credit

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Property - Appraisal

Appraisal Documentation

Property

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Insurance

Insurance Documentation

Credit

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000296

XXX

Purchase

Primary

10/XX/2017

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Insurance

Insurance Eligibility

Credit

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Insurance

Insurance Documentation

Credit

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Credit

Credit Eligibility

Credit

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000295

XXX

Purchase

Primary

6/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Compliance

Federal Compliance

Compliance

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Guideline

Guideline Issue

Credit

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Insurance

Insurance Documentation

Credit

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000294

XXX

Purchase

Primary

7/XX/2016

$XXX

Loan Review Complete

11/13/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Insurance

Insurance Eligibility

Credit

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Insurance

Insurance Documentation

Credit

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000293

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/18/2019

Compliance

Federal Compliance

Compliance

waived

1450000292

XXX

Refinance - Rate/Term

Primary

7/XX/2019

$XXX

Loan Review Complete

11/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000292

XXX

Refinance - Rate/Term

Primary

7/XX/2019

$XXX

Loan Review Complete

11/19/2019

Title

Document Error

Credit

waived

1450000292

XXX

Refinance - Rate/Term

Primary

7/XX/2019

$XXX

Loan Review Complete

11/19/2019

Asset

Asset Documentation

Credit

waived

1450000292

XXX

Refinance - Rate/Term

Primary

7/XX/2019

$XXX

Loan Review Complete

11/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000292

XXX

Refinance - Rate/Term

Primary

7/XX/2019

$XXX

Loan Review Complete

11/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000292

XXX

Refinance - Rate/Term

Primary

7/XX/2019

$XXX

Loan Review Complete

11/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000291

XXX

Refinance - Limited Cash-out GSE

Investment

1/XX/2017

$XXX

Loan Review Complete

11/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000291

XXX

Refinance - Limited Cash-out GSE

Investment

1/XX/2017

$XXX

Loan Review Complete

11/20/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000290

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/20/2019

Compliance

Federal Compliance

Compliance

cured

1450000290

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/20/2019

Compliance

Federal Compliance

Compliance

cured

1450000290

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/20/2019

Asset

Asset Calculation / Analysis

Credit

cured

1450000290

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/20/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cured

1450000290

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

11/20/2019

Compliance

Federal Compliance

Compliance

cured

1450000289

XXX

Purchase

Primary

8/XX/2002

$XXX

Loan Review Complete

7/29/2015

Compliance

Federal Compliance

Compliance

open

1450000289

XXX

Purchase

Primary

8/XX/2002

$XXX

Loan Review Complete

7/29/2015

Compliance

Federal Compliance

Compliance

open

1450000288

XXX

Refinance - Rate/Term

Primary

2/XX/2007

$XXX

Loan Review Complete

11/23/2015

TIL

Missing Document

Compliance

open

1450000288

XXX

Refinance - Rate/Term

Primary

2/XX/2007

$XXX

Loan Review Complete

11/23/2015

Compliance

Miscellaneous Compliance

Compliance

open

1450000288

XXX

Refinance - Rate/Term

Primary

2/XX/2007

$XXX

Loan Review Complete

11/23/2015

Compliance

Federal Compliance

Compliance

open

1450000261

XXX

Refinance - Cash-out - Other

Primary

7/XX/2019

$XXX

Loan Review Complete

11/25/2019

Compliance

Federal Compliance

Compliance

cured

1450000261

XXX

Refinance - Cash-out - Other

Primary

7/XX/2019

$XXX

Loan Review Complete

11/25/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cured

1450000261

XXX

Refinance - Cash-out - Other

Primary

7/XX/2019

$XXX

Loan Review Complete

11/25/2019

Insurance

Insurance Analysis

Credit

cured

1450000260

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/26/2019

Compliance

State Compliance

Compliance

waived

1450000260

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/26/2019

Property - Appraisal

Appraisal Data Integrity

Property

waived

1450000260

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/26/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000260

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000260

XXX

Purchase

Primary

9/XX/2018

$XXX

Loan Review Complete

11/26/2019

Compliance

Federal Compliance

Compliance

waived

1450000259

XXX

Purchase

Investment

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000259

XXX

Purchase

Investment

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000258

XXX

Refinance - Cash-out - Debt Consolidation

Investment

7/XX/2019

$XXX

Loan Review Complete

12/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000258

XXX

Refinance - Cash-out - Debt Consolidation

Investment

7/XX/2019

$XXX

Loan Review Complete

12/2/2019

Insurance

Insurance Analysis

Credit

waived

1450000258

XXX

Refinance - Cash-out - Debt Consolidation

Investment

7/XX/2019

$XXX

Loan Review Complete

12/2/2019

Income / Employment

Income Documentation

Credit

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Guideline

Guideline Issue

Credit

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Insurance

Insurance Analysis

Credit

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Insurance

Insurance Eligibility

Credit

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000257

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000256

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000256

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000256

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000256

XXX

Purchase

Primary

6/XX/2017

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Insurance

Insurance Documentation

Credit

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000255

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

waived

1450000254

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000254

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

12/2/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000254

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

12/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000254

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

12/2/2019

Compliance

State Compliance

Compliance

waived

1450000254

XXX

Refinance - Cash-out - Other

Primary

9/XX/2018

$XXX

Loan Review Complete

12/2/2019

Compliance

State Compliance

Compliance

waived

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Insurance

Insurance Analysis

Credit

cleared

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Income / Employment

Income Documentation

Credit

cleared

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Compliance

Federal Compliance

Compliance

cleared

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Compliance

Federal Compliance

Compliance

cleared

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Compliance

Federal Compliance

Compliance

cleared

1450000253

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/6/2019

Compliance

Federal Compliance

Compliance

cleared

1450000252

XXX

Refinance - Cash-out - Other

Investment

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Income / Employment

Income Documentation

Credit

waived

1450000252

XXX

Refinance - Cash-out - Other

Investment

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Income / Employment

Income Documentation

Credit

waived

1450000252

XXX

Refinance - Cash-out - Other

Investment

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000252

XXX

Refinance - Cash-out - Other

Investment

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000252

XXX

Refinance - Cash-out - Other

Investment

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000251

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

waived

1450000251

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

waived

1450000251

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

waived

1450000251

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000251

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Property - Appraisal

Appraisal Data Integrity

Property

waived

1450000251

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Income / Employment

Income Documentation

Credit

waived

1450000250

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

12/9/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000249

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

12/11/2019

Compliance

Federal Compliance

Compliance

cleared

1450000249

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

12/11/2019

Compliance

Federal Compliance

Compliance

cleared

1450000249

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

12/11/2019

Compliance

Federal Compliance

Compliance

cleared

1450000249

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

12/11/2019

Compliance

Federal Compliance

Compliance

cleared

1450000249

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

12/11/2019

Compliance

Federal Compliance

Compliance

cleared

1450000249

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

12/11/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000248

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000248

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000248

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000248

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/12/2019

Compliance

Federal Compliance

Compliance

waived

1450000248

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/12/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000248

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/12/2019

Asset

Asset Calculation / Analysis

Credit

waived

1450000248

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/12/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000247

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

12/16/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000247

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

12/16/2019

Title

Document Error

Credit

waived

1450000247

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

12/16/2019

Loan Package Documentation

Application / Processing

Credit

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Compliance

Federal Compliance

Compliance

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000246

XXX

Purchase

Primary

10/XX/2018

$XXX

Loan Review Complete

12/19/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000160

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/30/2019

Insurance

Insurance Analysis

Credit

waived

1450000159

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

12/30/2019

Income / Employment

Income Documentation

Credit

waived

1450000159

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

12/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000158

XXX

Refinance - Rate/Term

Primary

9/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000158

XXX

Refinance - Rate/Term

Primary

9/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000158

XXX

Refinance - Rate/Term

Primary

9/XX/2019

$XXX

Loan Review Complete

12/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000158

XXX

Refinance - Rate/Term

Primary

9/XX/2019

$XXX

Loan Review Complete

12/30/2019

Title

General

Credit

waived

1450000157

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000157

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000156

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/30/2019

Compliance

Federal Compliance

Compliance

waived

1450000155

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Income / Employment

Income Documentation

Credit

waived

1450000155

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000155

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000155

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000155

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000155

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000155

XXX

Refinance - Cash-out - Other

Primary

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000154

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000154

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000154

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000153

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

1/7/2020

Loan Package Documentation

Loan File

Credit

cleared

1450000153

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

cleared

1450000153

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

cleared

1450000153

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

cleared

1450000153

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

cleared

1450000153

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000153

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

1/7/2020

Insurance

Insurance Analysis

Credit

cleared

1450000152

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000152

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000152

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000152

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000152

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000152

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000152

XXX

Refinance - Cash-out - Debt Consolidation

Primary

8/XX/2018

$XXX

Loan Review Complete

1/7/2020

Insurance

Insurance Analysis

Credit

waived

1450000151

XXX

Purchase

Second Home

9/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000151

XXX

Purchase

Second Home

9/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000151

XXX

Purchase

Second Home

9/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000151

XXX

Purchase

Second Home

9/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000151

XXX

Purchase

Second Home

9/XX/2019

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000150

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000150

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000150

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000150

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

1/7/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000150

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

1/7/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000150

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000150

XXX

Purchase

Primary

1/XX/2015

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000149

XXX

Purchase

Primary

6/XX/2015

$XXX

Loan Review Complete

1/7/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000149

XXX

Purchase

Primary

6/XX/2015

$XXX

Loan Review Complete

1/7/2020

Asset

Asset Calculation / Analysis

Credit

waived

1450000149

XXX

Purchase

Primary

6/XX/2015

$XXX

Loan Review Complete

1/7/2020

Credit

Credit Documentation

Credit

waived

1450000149

XXX

Purchase

Primary

6/XX/2015

$XXX

Loan Review Complete

1/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000149

XXX

Purchase

Primary

6/XX/2015

$XXX

Loan Review Complete

1/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Title

General

Credit

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Legal / Regulatory / Compliance

Title / Lien Defect

Credit

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Loan Package Documentation

Government Documentation

Credit

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Property - Appraisal

Appraisal Documentation

Property

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Compliance

Federal Compliance

Compliance

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Loan Package Documentation

Government Documentation

Credit

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Compliance

Federal Compliance

Credit

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Compliance

Federal Compliance

Compliance

cleared

1450000148

XXX

Refinance - Cash-out - Other

Primary

11/XX/2019

$XXX

Loan Review Complete

1/8/2020

Compliance

Federal Compliance

Compliance

cleared

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Insurance

Insurance Analysis

Credit

waived

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000140

XXX

Purchase

Primary

12/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000139

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

1/13/2020

Insurance

Insurance Documentation

Credit

waived

1450000139

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000139

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000139

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000139

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000139

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

1/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000139

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Insurance

Insurance Eligibility

Credit

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Guideline

Guideline Issue

Credit

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

State Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000138

XXX

Purchase

Primary

7/XX/2018

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000137

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

State Compliance

Compliance

waived

1450000137

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000137

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000137

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000137

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/13/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000137

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000137

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/13/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Compliance

Federal Compliance

Compliance

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Compliance

Federal Compliance

Compliance

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Compliance

Federal Compliance

Compliance

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Compliance

Federal Compliance

Compliance

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Compliance

Federal Compliance

Compliance

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Compliance

Federal Compliance

Credit

waived

1450000133

XXX

Refinance - Limited Cash-out GSE

Primary

5/XX/2016

$XXX

Loan Review Complete

1/14/2020

Compliance

Federal Compliance

Compliance

waived

1450000132

XXX

Purchase

Primary

12/XX/2016

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000132

XXX

Purchase

Primary

12/XX/2016

$XXX

Loan Review Complete

1/17/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000132

XXX

Purchase

Primary

12/XX/2016

$XXX

Loan Review Complete

1/17/2020

Asset

Asset Calculation / Analysis

Credit

waived

1450000132

XXX

Purchase

Primary

12/XX/2016

$XXX

Loan Review Complete

1/17/2020

Asset

Asset Calculation / Analysis

Credit

waived

1450000132

XXX

Purchase

Primary

12/XX/2016

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000131

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000131

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000131

XXX

Purchase

Primary

8/XX/2018

$XXX

Loan Review Complete

1/17/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000130

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000130

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000130

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

1/17/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000130

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

1/17/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000130

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000130

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Credit

Credit Eligibility

Credit

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Compliance

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Document Error

General

Credit

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Document Error

General

Credit

waived

1450000129

XXX

Refinance - Cash-out - Other

Primary

4/XX/2018

$XXX

Loan Review Complete

1/17/2020

Compliance

Federal Compliance

Credit

waived

1450000128

XXX

Purchase

Primary

8/XX/2008

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000128

XXX

Purchase

Primary

8/XX/2008

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000128

XXX

Purchase

Primary

8/XX/2008

$XXX

Loan Review Complete

1/28/2020

Compliance

Miscellaneous Compliance

Credit

waived

1450000128

XXX

Purchase

Primary

8/XX/2008

$XXX

Loan Review Complete

1/28/2020

Valuation

Valuation Issue

Property

waived

1450000128

XXX

Purchase

Primary

8/XX/2008

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000128

XXX

Purchase

Primary

8/XX/2008

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000128

XXX

Purchase

Primary

8/XX/2008

$XXX

Loan Review Complete

1/28/2020

Property - Appraisal

General Appraisal Requirements

Credit

waived

1450000127

XXX

Refinance - Limited Cash-out GSE

Investment

4/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000127

XXX

Refinance - Limited Cash-out GSE

Investment

4/XX/2013

$XXX

Loan Review Complete

1/28/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000127

XXX

Refinance - Limited Cash-out GSE

Investment

4/XX/2013

$XXX

Loan Review Complete

1/28/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Property - Appraisal

Appraisal Documentation

Property

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Guideline

Guideline Issue

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Insurance

Insurance Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Income / Employment

Income Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Guideline

Guideline Issue

Credit

waived

1450000126

XXX

Construction-Permanent

Primary

8/XX/2013

$XXX

Loan Review Complete

1/28/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Insurance

Insurance Eligibility

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Insurance

Insurance Documentation

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Government Documentation

Credit

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000125

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Credit

Public Records

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Insurance

Insurance Analysis

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Title

Document Error

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Income / Employment

Income Documentation

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Guideline

Guideline Issue

Credit

cleared

1450000124

XXX

Purchase

Investment

9/XX/2019

$XXX

Loan Review Complete

1/28/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

cleared

1450000123

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000123

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000123

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000122

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000122

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

1/28/2020

Compliance

Federal Compliance

Compliance

waived

1450000122

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

1/28/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000122

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

1/28/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000122

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

1/28/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000122

XXX

Purchase

Primary

12/XX/2017

$XXX

Loan Review Complete

1/28/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000121

XXX

Refinance - Cash-out - Other

Primary

11/XX/2018

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000121

XXX

Refinance - Cash-out - Other

Primary

11/XX/2018

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000121

XXX

Refinance - Cash-out - Other

Primary

11/XX/2018

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000121

XXX

Refinance - Cash-out - Other

Primary

11/XX/2018

$XXX

Loan Review Complete

2/3/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000121

XXX

Refinance - Cash-out - Other

Primary

11/XX/2018

$XXX

Loan Review Complete

2/3/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000121

XXX

Refinance - Cash-out - Other

Primary

11/XX/2018

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000120

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

2/3/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000120

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000120

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

2/3/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000120

XXX

Purchase

Primary

5/XX/2018

$XXX

Loan Review Complete

2/3/2020

Insurance

Insurance Analysis

Credit

waived

1450000119

XXX

Refinance - Rate/Term

Primary

10/XX/2019

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000119

XXX

Refinance - Rate/Term

Primary

10/XX/2019

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000119

XXX

Refinance - Rate/Term

Primary

10/XX/2019

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000119

XXX

Refinance - Rate/Term

Primary

10/XX/2019

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000119

XXX

Refinance - Rate/Term

Primary

10/XX/2019

$XXX

Loan Review Complete

2/3/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000119

XXX

Refinance - Rate/Term

Primary

10/XX/2019

$XXX

Loan Review Complete

2/3/2020

Compliance

Federal Compliance

Compliance

waived

1450000118

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2017

$XXX

Loan Review Complete

2/4/2020

Compliance

Federal Compliance

Compliance

waived

1450000118

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2017

$XXX

Loan Review Complete

2/4/2020

Compliance

Federal Compliance

Compliance

waived

1450000118

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2017

$XXX

Loan Review Complete

2/4/2020

Compliance

Federal Compliance

Compliance

waived

1450000118

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2017

$XXX

Loan Review Complete

2/4/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000118

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2017

$XXX

Loan Review Complete

2/4/2020

Insurance

Insurance Analysis

Credit

waived

1450000118

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2017

$XXX

Loan Review Complete

2/4/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000118

XXX

Refinance - Cash-out - Debt Consolidation

Primary

6/XX/2017

$XXX

Loan Review Complete

2/4/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000052

XXX

Refinance - Rate/Term

Primary

8/XX/2019

$XXX

Loan Review Complete

2/5/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000052

XXX

Refinance - Rate/Term

Primary

8/XX/2019

$XXX

Loan Review Complete

2/5/2020

Insurance

Insurance Analysis

Credit

waived

1450000052

XXX

Refinance - Rate/Term

Primary

8/XX/2019

$XXX

Loan Review Complete

2/5/2020

Compliance

Federal Compliance

Compliance

waived

1450000052

XXX

Refinance - Rate/Term

Primary

8/XX/2019

$XXX

Loan Review Complete

2/5/2020

Compliance

Federal Compliance

Compliance

waived

1450000052

XXX

Refinance - Rate/Term

Primary

8/XX/2019

$XXX

Loan Review Complete

2/5/2020

Compliance

Federal Compliance

Compliance

waived

1450000052

XXX

Refinance - Rate/Term

Primary

8/XX/2019

$XXX

Loan Review Complete

2/5/2020

Compliance

Federal Compliance

Compliance

waived

1450000052

XXX

Refinance - Rate/Term

Primary

8/XX/2019

$XXX

Loan Review Complete

2/5/2020

Compliance

Federal Compliance

Compliance

waived

1450000051

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

2/6/2020

Compliance

Federal Compliance

Compliance

waived

1450000051

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

2/6/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000050

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/6/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000049

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

12/10/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000049

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

12/10/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000049

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

12/10/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000049

XXX

Purchase

Primary

4/XX/2018

$XXX

Loan Review Complete

12/10/2019

Guideline

Guideline Issue

Credit

cleared

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Insurance

Insurance Analysis

Credit

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Insurance

Insurance Eligibility

Credit

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Guideline

Guideline Issue

Credit

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

open

1450000048

XXX

Refinance - Rate/Term

Primary

6/XX/2016

$XXX

Loan Review Complete

12/10/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Insurance

Insurance Analysis

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Guideline

Guideline Issue

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Credit

Credit Eligibility

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

System

General

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Insurance

Insurance Documentation

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

State Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Compliance

Federal Compliance

Compliance

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Insurance

Insurance Eligibility

Credit

open

1450000047

XXX

Purchase

Primary

8/XX/2017

$XXX

Loan Review Complete

12/10/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Asset

Asset Documentation

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Compliance

Miscellaneous Compliance

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Compliance

Federal Compliance

Compliance

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Compliance

Federal Compliance

Compliance

cleared

1450000046

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

12/26/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

cleared

1450000045

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

11/7/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000045

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

11/7/2019

Credit

Public Records

Credit

open

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

NPL

General

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Guideline

Guideline Issue

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Compliance

Federal Compliance

Credit

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Compliance

Federal Compliance

Compliance

cleared

1450000044

XXX

Refinance - Cash-out - Home Improvement

Primary

7/XX/2019

$XXX

Loan Review Complete

11/6/2019

Compliance

Federal Compliance

Compliance

cleared

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Insurance

Insurance Eligibility

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Insurance

Insurance Documentation

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Credit

Credit Eligibility

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

Federal Compliance

Compliance

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

Federal Compliance

Compliance

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

State Compliance

Compliance

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

State Compliance

Compliance

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

State Compliance

Compliance

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

State Compliance

Compliance

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

State Compliance

Compliance

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450000043

XXX

Purchase

Primary

2/XX/2019

$XXX

Loan Review Complete

10/22/2019

Compliance

State Compliance

Compliance

open

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Document Error

General

Credit

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

cleared

1450000042

XXX

Refinance - Cash-out - Other

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Document Error

General

Credit

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Compliance

Miscellaneous Compliance

Credit

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Income / Employment

Income Documentation

Credit

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Compliance

Federal Compliance

Compliance

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Compliance

Federal Compliance

Compliance

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Compliance

Federal Compliance

Compliance

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Compliance

Federal Compliance

Compliance

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000041

XXX

Purchase

Primary

4/XX/2019

$XXX

Loan Review Complete

12/17/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000040

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

10/14/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000040

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

10/14/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000040

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

10/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000040

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

10/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000040

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

10/14/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

cleared

1450000040

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

10/14/2019

Credit

Miscellaneous

Credit

cleared

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Insurance

Insurance Eligibility

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Guideline

Guideline Issue

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Insurance

Insurance Analysis

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Guideline

Guideline Issue

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000039

XXX

Purchase

Primary

6/XX/2019

$XXX

Loan Review Complete

12/9/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Application / Processing

Credit

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Insurance

Insurance Eligibility

Credit

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Insurance

Insurance Documentation

Credit

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Miscellaneous Compliance

Credit

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Loan Package Documentation

Government Documentation

Credit

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000038

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

12/2/2019

Compliance

Federal Compliance

Compliance

open

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Asset

Asset Calculation / Analysis

Credit

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Compliance

Miscellaneous Compliance

Credit

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000037

XXX

Purchase

Primary

7/XX/2012

$XXX

Loan Review Complete

11/14/2019

Compliance

Federal Compliance

Compliance

cleared

1450000036

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/10/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000036

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/10/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000036

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/10/2020

Compliance

Federal Compliance

Compliance

cleared

1450000036

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/10/2020

Compliance

Federal Compliance

Compliance

cleared

1450000036

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/10/2020

Compliance

Federal Compliance

Compliance

cleared

1450000036

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/10/2020

Compliance

State Compliance

Compliance

cleared

1450000035

XXX

Refinance - Limited Cash-out GSE

Investment

12/XX/2019

$XXX

Loan Review Complete

2/18/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Compliance

Federal Compliance

Credit

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Compliance

Federal Compliance

Compliance

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Compliance

Federal Compliance

Compliance

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Compliance

Federal Compliance

Compliance

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Compliance

Federal Compliance

Compliance

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Guideline

Guideline Issue

Credit

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000034

XXX

Refinance - Cash-out - Other

Primary

10/XX/2019

$XXX

Loan Review Complete

2/18/2020

Compliance

Federal Compliance

Compliance

waived

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Loan Package Documentation

Government Documentation

Credit

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Insurance

Insurance Eligibility

Credit

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Income / Employment

Income Documentation

Credit

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Income / Employment

Income Documentation

Credit

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Compliance

Federal Compliance

Compliance

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Compliance

Federal Compliance

Compliance

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Compliance

Federal Compliance

Compliance

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Compliance

Federal Compliance

Compliance

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000033

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

8/18/2019

Loan Package Documentation

Application / Processing

Credit

cleared

1450000032

XXX

Refinance - Cash-out - Other

Investment

11/XX/2019

$XXX

Loan Review Complete

2/21/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000032

XXX

Refinance - Cash-out - Other

Investment

11/XX/2019

$XXX

Loan Review Complete

2/21/2020

Borrower and Mortgage Eligibility

Mortgage / Program Eligibility

Credit

waived

1450000031

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/21/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000031

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/21/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000031

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/21/2020

Title

Document Error

Credit

waived

1450000031

XXX

Purchase

Primary

9/XX/2019

$XXX

Loan Review Complete

2/21/2020

Legal / Regulatory / Compliance

Title / Lien Defect

Credit

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

State Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000017

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

waived

1450000016

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

cleared

1450000016

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

cleared

1450000016

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

cleared

1450000016

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/26/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000016

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/26/2020

Credit

Miscellaneous

Credit

cleared

1450000016

XXX

Purchase

Primary

5/XX/2019

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

cleared

1450000015

XXX

Purchase

Primary

1/XX/2020

$XXX

Loan Review Complete

6/26/2020

Insurance

Insurance Documentation

Credit

cleared

1450000015

XXX

Purchase

Primary

1/XX/2020

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

cleared

1450000015

XXX

Purchase

Primary

1/XX/2020

$XXX

Loan Review Complete

6/26/2020

System

General

Credit

cleared

1450000015

XXX

Purchase

Primary

1/XX/2020

$XXX

Loan Review Complete

6/26/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000015

XXX

Purchase

Primary

1/XX/2020

$XXX

Loan Review Complete

6/26/2020

Compliance

Federal Compliance

Compliance

cleared

1450000014

XXX

Refinance - Cash-out - Debt Consolidation

Primary

3/XX/2020

$XXX

Loan Review Complete

7/2/2020

Legal / Regulatory / Compliance

Title / Lien Defect

Credit

cleared

1450000014

XXX

Refinance - Cash-out - Debt Consolidation

Primary

3/XX/2020

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

cleared

1450000014

XXX

Refinance - Cash-out - Debt Consolidation

Primary

3/XX/2020

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

cleared

1450000014

XXX

Refinance - Cash-out - Debt Consolidation

Primary

3/XX/2020

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

cleared

1450000014

XXX

Refinance - Cash-out - Debt Consolidation

Primary

3/XX/2020

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

cleared

1450000014

XXX

Refinance - Cash-out - Debt Consolidation

Primary

3/XX/2020

$XXX

Loan Review Complete

7/2/2020

Title

General

Credit

cleared

1450000014

XXX

Refinance - Cash-out - Debt Consolidation

Primary

3/XX/2020

$XXX

Loan Review Complete

7/2/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Compliance

Federal Compliance

Compliance

waived

1450000013

XXX

Purchase

Primary

7/XX/2019

$XXX

Loan Review Complete

7/2/2020

Credit

Credit Documentation

Credit

waived

1450000012

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/7/2020

Credit

Credit Eligibility

Credit

waived

1450000012

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/7/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000012

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000012

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000012

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/7/2020

Compliance

Federal Compliance

Compliance

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000011

XXX

Purchase

Primary

4/XX/2016

$XXX

Loan Review Complete

7/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Compliance

Federal Compliance

Compliance

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Asset

Asset Documentation

Credit

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Property - Appraisal

Appraisal Documentation

Property

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000010

XXX

Purchase

Primary

2/XX/2018

$XXX

Loan Review Complete

7/13/2020

Asset

Asset Documentation

Credit

waived

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Loan Package Documentation

Application / Processing

Credit

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Compliance

Federal Compliance

Compliance

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Compliance

Federal Compliance

Compliance

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Compliance

Federal Compliance

Compliance

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Compliance

Federal Compliance

Compliance

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Guideline

Guideline Issue

Credit

cleared

1450000009

XXX

Purchase

Primary

10/XX/2019

$XXX

Loan Review Complete

7/15/2020

Asset

Asset Calculation / Analysis

Credit

cleared

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Insurance

Insurance Eligibility

Credit

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Disclosure

Missing Document

Credit

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000008

XXX

Purchase

Primary

11/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

State Compliance

Compliance

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Disclosure

Missing Document

Credit

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Compliance

Federal Compliance

Compliance

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Asset

Asset Documentation

Credit

waived

1450000007

XXX

Purchase

Primary

8/XX/2019

$XXX

Loan Review Complete

7/23/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000006

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

7/30/2020

TRID

General

Credit

cleared

1450000006

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

7/30/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000006

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

7/30/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000006

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

7/30/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000006

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

7/30/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000006

XXX

Purchase

Investment

5/XX/2019

$XXX

Loan Review Complete

7/30/2020

Compliance

Federal Compliance

Compliance

cleared

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Loan Package Documentation

Application / Processing

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Disclosure

Missing Document

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Loan Package Documentation

Government Documentation

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Guideline

Guideline Issue

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

State Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Compliance

Federal Compliance

Compliance

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Guideline

Guideline Issue

Credit

waived

1450000005

XXX

Refinance - Cash-out - Other

Primary

10/XX/2017

$XXX

Loan Review Complete

8/24/2020

Guideline

Guideline Issue

Credit

waived

1450000004

XXX

Refinance - Cash-out - Other

Investment

6/XX/2019

$XXX

Loan Review Complete

9/2/2020

Credit

Credit Documentation

Credit

cleared

1450000004

XXX

Refinance - Cash-out - Other

Investment

6/XX/2019

$XXX

Loan Review Complete

9/2/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

cleared

1450000004

XXX

Refinance - Cash-out - Other

Investment

6/XX/2019

$XXX

Loan Review Complete

9/2/2020

Income / Employment

Income Documentation

Credit

cleared

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Compliance

Federal Compliance

Compliance

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Compliance

Federal Compliance

Compliance

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Compliance

Federal Compliance

Compliance

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Compliance

Federal Compliance

Compliance

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Compliance

Federal Compliance

Compliance

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Credit

AUS Discrepancy / Guidelines Discrepancy

Credit

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Property - Appraisal

Appraisal Documentation

Property

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Document Error

General

Credit

waived

1450000003

XXX

Refinance - Cash-out - Other

Primary

9/XX/2019

$XXX

Loan Review Complete

9/16/2020

Loan Package Documentation

Government Documentation

Credit

waived

Unique Loan ID	Exception Status Change Date	Exception Grade	Exception	Exception Detail	Exception Information	Compensating Factors	Statute of Limitation Date	Comments
1450001581		3	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	Valuation Type: Appraisal / Valuation Report Date: 08/XX/2017				Reviewer Comment (2018-09-17): The seller provided a copy of the escrow check request please provide a 442 to show the work has been completed
1450001581		3	VA - Escape Clause is not compliant.	Disclosure: VA - Escape Clause (Government Documents)	The escape clause disclosure is not signed by the seller and does not reflect the purchase price.			Buyer Comment (2018-09-10): Waived. Loan is not being purchased as VA loan. Reviewer Comment (2018-08-30): The Seller provided evidence the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to
1450001581		3	Loan Guaranty Certificate is missing.	Disclosure: VA - Loan Guaranty Certificate (Government Documents)				Reviewer Comment (2018-09-11): Buyer has elected to waive the condition Reviewer Comment (2018-08-30): The Seller provided evidence the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to
1450001581		1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/09/XX/2017)	Seller paid fees on the buyers Closing Disclosure is $0; seller paid fees on the sellers Closing Disclosure is $14,673.60.		9/XX/2018	Reviewer Comment (2018-09-11): The seller provided corrected PCCD
1450001581		1	General Ability To Repay Provision Investor Guidelines Not Provided	Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 45.46835% DTI, XXX%/XXX% LTV/CLTV, 772 Credit Score, Occupancy: Primary, Purpose: Purchase,	Loan was originated to DU Approve Eligible. Loan is no longer agency Salable therefore loan is ATR risk due DTI > 43%			Reviewer Comment (2018-09-13): ATR worksheet provided
1450001581		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan was originated to DU Approve Eligible. Loan is no longer agency Salable therefore ATR risk .			Buyer Comment (2018-09-18): loan priced as not meeting ATR Reviewer Comment (2018-09-13): Updated from: Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. Seller Comment (2018-09-11): original loan defect was the fact that we are not able to obtain VA Insurance. What is required to get this loan approved and moved to funding?
1450001581		3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan was originated to DU Approve Eligible. Loan is no longer agency Salable therefore DTI of 45.46835 is not acceptable.			Buyer Comment (2018-09-18): loan priced as not meeting ATR Reviewer Comment (2018-09-17): Loan is no longer agency Salable therefore DTI of 45.46835 is not acceptable using the waterfall process.
1450001581		3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Missing certificate of eligibility in borrower name. Therefore loan is not agency salable.			Reviewer Comment (2018-09-11): Buyer has elected to waive the condition Reviewer Comment (2018-08-30): The Seller provided evidence the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to
1450001581		2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - An incorrect social security number was used to order the borrower's certificate of eligibility. The deceased husband was the veteran. The branch used his social security number to order the Certificate of Eligibility for the surviving spouse prior to closing. The surviving spouse was not eligible for "survivor benefits" under VA guidelines. VA did not identify their error until after the loan was closed and we moved to have the Loan Guaranty Certificate issued, at which point they denied to insure the loan.			Reviewer Comment (2018-09-11): Buyer has elected to waive the condition Reviewer Comment (2018-08-30): The Seller provided statement the loan was not insured through VA. Please provide guidelines and approval that the loan was approved to
1450001580	9/11/2018	3	Missing Document: Mortgage Insurance Certificate (MIC) not provided					Reviewer Comment (2018-09-11): Buyer has elected to waive the condition Reviewer Comment (2018-08-30): The Seller provided statement the loan was not insured through FHA. Please provide guidelines and approval that the loan was approved to
1450001580	9/11/2018	1	Rental Income Documentation - 25% Method	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement not provided or % of gross rents used is greater than 75%. (Subject/25% Vacancy Method)	No Rental Income documentation was located in the file XXX			Reviewer Comment (2018-08-30): the appraiser's opinion of market value which is $1200.00. At $675.00, the rent credit is below 75% and a lease is not required.
1450001580	9/11/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Appraisal was expired at time of closing.			Reviewer Comment (2018-09-11): Buyer has elected to waive the condition
1450001580	9/11/2018	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.	Loan was originated to DU Approve Eligible. Loan is no longer agency Salable due to expired appraisal .			Buyer Comment (2018-09-18): loan priced as not meeting ATR Seller Comment (2018-09-11): the original file defect was that the appraisal expired before the loan closed and is not eligible for FHA insuring.
1450001580	9/11/2018	1	General Ability To Repay Provision Investor Guidelines Not Provided	Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 30.64866% DTI, XXX%/XXX% LTV/CLTV, 735 Credit Score, Occupancy: Primary, Purpose: Purchase,	Loan was originated to DU Approve Eligible. Loan is no longer agency Salable. Additional guidelines were not provided. Loan is ATR risk due to missing guidelines.			Reviewer Comment (2018-09-13): The seller provided ATR worksheet
1450001580	9/11/2018	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Per documents in file case cancelled post closing due to appraisal expired at closing.			Reviewer Comment (2018-09-11): Buyer has elected to waive the condition Reviewer Comment (2018-08-30): The Seller provided statement the loan was not insured through FHA. Please provide guidelines and approval that the loan was approved to
1450001580	9/11/2018	1	Real Estate Certification is missing.	Disclosure: FHA - Real Estate Certification (Government Documents)	Page 2 of real estate cert is missing.			Reviewer Comment (2018-09-11): The seller provided the real estate cert Reviewer Comment (2018-08-30): The Seller provided statement the loan was not insured through FHA. Please provide guidelines and approval that the loan was approved to
1450001580	9/11/2018	1	TRID Final Closing Disclosure Non-Escrowed Property Costs Year 1 Incorrectly Disclosed	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2017 disclosed N/A as Non-Escrowed Property Costs over Year 1. (Final/09/XX/2017)			9/XX/2018	Reviewer Comment (2018-08-28): Final Closing Disclosure Non-Escrowed Property Costs Year 1 are correctly Disclosed
1450001580	9/11/2018	1	TRID Closing Disclosure Issue Date Not Provided	TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 09/XX/2017 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available. (Initial/09/XX/2017)	Date issued was not disclosed, field was left blank.		9/XX/2018	Reviewer Comment (2018-09-11): Closing Disclosure estimated to be provided on 09/XX/2017 Reviewer Comment (2018-08-30): Closing Disclosure estimated to be provided on 09/XX/2017 did not properly disclose the actual Date Issued. Seller Comment (2018-08-30): see lower left corner of initial CD for system generated date. also, please see the disclosure tracking for the issue date.
1450001580	9/11/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2017)	No Dollar amount was disclosed by which the Total Closing Costs exceeds the legal limit on the Final Closing Disclosure.		9/XX/2018	Reviewer Comment (2018-08-28): Calculating Cash to Close did not disclosed a dollar amount of $843.60 by which the Total Closing Costs exceeded the legal limit. Seller Comment (2018-08-28): This verbiage is only present when there is a cure. there was no cure given on this file.
1450001580	9/11/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/09/XX/2017)	TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows $11,583.60 in seller paid closing costs, borrower's final CD shows $0.00. Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made .		9/XX/2018	Reviewer Comment (2018-09-11): The seller provided final CD that reflected seller paid fees Reviewer Comment (2018-08-28): Exception referred to XXX for review and disposition. Seller Comment (2018-08-28): XXX does not prepare the seller's CD nor do we show the seller's closing costs on the borrower's CD. The fees the seller paid were for his closing costs and real estate commission.
1450001580	9/11/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $843.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	No cure provided for Transfer Tax Fee pf $843.60 that exceeds tolerance of $0.00. It does not appear borrower was advised of this fee.		9/XX/2018	Reviewer Comment (2018-08-28): Per Review seller fees are included in tolerance testing. Exception referred to NY Mortgage Trust for review and disposition. Seller Comment (2018-08-28): this was a seller fee
1450001580	9/11/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Closed w/expired appraisal. We can't get MIC due to expired appraisal.			Reviewer Comment (2018-09-11): Buyer has elected to waive the condition
1450001579	9/24/2018	1	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.		The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 9/XX/17.			Reviewer Comment (2018-09-24): The seller provided PDI 12/XX/2017
1450001579	9/24/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2017)	Cure for Endorsement Fee in the amount of $318.75 was not provided.		5/XX/2018
1450001579	9/24/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $318.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7564)	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		5/XX/2018	Reviewer Comment (2018-09-24): After further review exception has been cleared
1450001579	9/24/2018	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,287.75 exceeds tolerance of $1,085.00 plus 10% or $1,193.50. Insufficient or no cure was provided to the borrower. (0)	Ten Percent Fee Tolerance exceeded. Total amount of $1,287.75 exceeds tolerance of $1,085.00 plus 10% or $1,193.50. Insufficient or no cure was provided to the borrower		5/XX/2018	Reviewer Comment (2018-10-11): Exception referred to Buyer for review and disposition. Reviewer Comment (2018-10-11): The Title - Endorsement Fee is being tested in 0% tolerance due to the fee was disclosed in section B of the final CD paid to a vendor listed on the SSPL and was not disclosed on previous disclosures Reviewer Comment (2018-10-03): The Title - Endorsement Fee is being tested in 0% tolerance due to the fee was disclosed in section B of the final CD paid to a vendor listed on the SSPL and was not disclosed on previous disclosures
1450001578		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2017)	Cure for 0% tolerance violation ($4.50) was not provided.		4/XX/2018	Reviewer Comment (2018-10-03): The seller provided PCCD but did not supply Letter of Explanation, Proof of Delivery, and a Copy of Refund Check,
1450001578		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $332.50 exceeds tolerance of $328.00. Insufficient or no cure was provided to the borrower. (8304)	No Valid COC or Insufficient or no cure was provided to the borrower.		4/XX/2018	Reviewer Comment (2018-10-03): The seller provided PCCD but did not supply Letter of Explanation, Proof of Delivery, and a Copy of Refund Check, Reviewer Comment (2018-09-24): The seller provided PCCD but did not supply Letter of Explanation, Proof of Delivery, and a Copy of Refund Check,
1450001578		1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	Loan file does not contain evidence of borrower's consent to receive electronic disclosures.		4/XX/2018	Reviewer Comment (2018-09-24): The seller provided E consent
1450001578		2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2017)	No Evidence of early receipt was located in the file		4/XX/2018	Reviewer Comment (2018-10-03): No Evidence of early receipt was located in the file Reviewer Comment (2018-09-24): The seller provided evidence of receipt of disclosures that were not located in the file
1450001578		2	Due Diligence results do not confirm loan defect provided		Per work number verification borrower was employed at the time of the closing.			Buyer Comment (2018-10-08): Defect was priced for at the time of bid. Seller Comment (2018-09-24): Please waive - related to stated defect
1450001577		2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $659.12 on Final Closing Disclosure provided on 11/XX/2017 not accurate. (Final/11/XX/2017)	Final disclosure reflects an estimated non escrowed total expense of $659.12, calculated expense is $719.04		11/XX/2018	Reviewer Comment (2018-10-04): HOI premium is 690 equals 57.50 per months. 11 months equals 632.50. The final CD disclosed $659.12 for Non-Escrowed property cost over 1 year Reviewer Comment (2018-09-24): HOI calculates out to $57.50 per month Non Escrowed Property Costs Year 1 calculates to $59.92 per month
1450001577		1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	File contains evidence that the borrower received electronic disclosures, missing documentation of consent		11/XX/2018	Reviewer Comment (2018-09-24): The seller provided e consent
1450001577		1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/10/XX/2017)	Missing proof of timely receipt			Reviewer Comment (2018-09-24): The seller provided evidence of receipt
1450001577		3	Income Docs Missing:	Borrower: XXX ___	Borrower is missing previous employment VVOE. the borrower current employment is only for 2 months			Buyer Comment (2018-10-08): Related to known defect. Reviewer Comment (2018-10-04): Exception referred to Buyer for review and disposition. Unable to verify previous employement start and end dates Seller Comment (2018-10-04): w2's for previous employer uploaded
1450001577		1	AUS Findings: All conditions were not met		Missing previous employment VVOE			Reviewer Comment (2018-10-04): Condition cleared
1450001577		2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Elig Defect: DTI exceeds investor limit due to income			Buyer Comment (2018-10-08): Defect was priced for at the time of bid. Seller Comment (2018-09-24): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001577		1	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/1638445)	Missing Employment Dates to verify two years employment history			Reviewer Comment (2018-09-24): The seller provided missing income docs
1450001577		1	General Ability To Repay Provision Investor Guidelines Not Provided	Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 43.88030% DTI, XXX%/XXX% LTV/CLTV, 707 Credit Score, Occupancy: Primary, Purpose: Refinance, Rate/Term	Loan characteristics are 43.88030% DTI, 51.83673%/51.83673% LTV/CLTV, 707 Credit Score, Occupancy: Primary, Purpose: Refinance, Rate/Term			Reviewer Comment (2018-09-24): The seller provided missing income docs Seller Comment (2018-09-24): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001577		1	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk.	Missing Employment Dates to verify two years employment history			Reviewer Comment (2018-09-24): The seller provided missing income docs Seller Comment (2018-09-24): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001577		1	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.			Reviewer Comment (2018-09-24): The seller provided missing income docs Seller Comment (2018-09-24): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001576	9/25/2018	1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	File contains evidence that the borrower received electronic disclosures, missing documentation of consent		5/XX/2019	Reviewer Comment (2018-09-25): The seller provided E consent
1450001576	9/25/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,788.00 exceeds tolerance of $1,248.00. Insufficient or no cure was provided to the borrower. (8304)	Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,788.00 exceeds tolerance of $1,248.00. Missing proof of valid change, insufficient or no cure was provided to the borrower		5/XX/2019	Reviewer Comment (2018-09-25): After further review exception has been cleared
1450001576	9/25/2018	1	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/05/XX/2018)	Evidence of earlier receipt was not located in the file		5/XX/2019	Reviewer Comment (2018-10-04): The seller provided Initial Cd dated 5/XX/2018 Reviewer Comment (2018-10-04): Initial/Final CD dated 5/XX/208 was signed on 5/XX/2018. No evidence located in the file the borrower received the Final CD 3 days prior than closing Seller Comment (2018-09-25): Disagree. Borrower was sent the initial CD on 5/XX/2018 which they esigned on 5/XX/2018. See attached screen shot evidencing receipt. The loan closed on 5/XX/2018. Reviewer Comment (2018-09-25): The Seller provided evidence the initial Disclosure was received 5/XX/18. The earliest CD located in the file has a document date of 5/XX/2018
1450001576	9/25/2018	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $344.00 exceeds tolerance of $301.00 plus 10% or $331.10. Insufficient or no cure was provided to the borrower. (0)	Ten Percent Fee Tolerance exceeded. Total amount of $344.00 exceeds tolerance of $301.00 plus 10% or $331.10 due to an increase in the transfer taxes. Missing proof of valid change, insufficient or no cure was provided to the borrower.		5/XX/2019	Reviewer Comment (2018-10-04): Exception referred to Buyer for review and disposition. Seller Comment (2018-10-04): No cure is necessary. Title fees increased due to fact that borrower opted to shop for own title company. Title fees are therefore are not subject to 10% tolerance. Reviewer Comment (2018-09-25): insufficient or no cure was provided to the borrower.
1450001576	9/25/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018)	Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing		5/XX/2019	Reviewer Comment (2018-10-04): Exception referred to Buyer for review and disposition. Seller Comment (2018-10-04): No cure is necessary. Title fees increased due to fact that borrower opted to shop for own title company. Title fees are therefore are not subject to 10% tolerance. Reviewer Comment (2018-09-25): insufficient or no cure was provided to the borrower.
1450001576	9/25/2018	1	TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees	TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/05/XX/2018)	TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller CD fees total $6,995.00, while closing CD seller's fees total $7,340.00		5/XX/2019	Reviewer Comment (2018-10-11): The seller provided Letter of Explanation & Corrected Post Close Closing Disclosure
1450001576	9/25/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title- Title Search. Fee Amount of $253.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77219)	Zero Percent Fee Tolerance exceeded for Title- Title Search initially disclosed on the final CD. Fee Amount of $253.00 exceeds tolerance of $0.00.		5/XX/2019	Reviewer Comment (2018-10-11): Exception referred to Buyer for review and disposition. Reviewer Comment (2018-10-11): The fee was not previously disclosed on any previous LE or CD's allowing the borrower time to shop for a vendor
1450001575		3	Missing Document: Fraud Report not provided					Reviewer Comment (2018-10-04): Exception referred to Buyer for review and disposition. Seller Comment (2018-10-04): Fraud Reports are not ordered on HARP loans Reviewer Comment (2018-09-25): The Seller provided a Mavent, Please provide a Fraud Report
1450001575		3	No evidence of fraud report in file	Credit Report: Original // Borrower: XXX				Reviewer Comment (2018-10-04): Exception referred to Buyer for review and disposition. Seller Comment (2018-10-04): Fraud Reports are not ordered on HARP loans Reviewer Comment (2018-09-25): The Seller provided a Mavent, Please provide a Fraud Report
1450001575		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506)	Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.		2/XX/2019	Reviewer Comment (2018-09-25): The seller provided Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD Seller Comment (2018-09-25): Disagree - the appraisal fee was not valid as it was not disclosed within 3 business days of the change of circumstance, however, the posting closing cure team issued a refund. See attached.
1450001575		1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Services Fee. Fee Amount of $398.05 exceeds tolerance of $388.00. Insufficient or no cure was provided to the borrower. (7330)	Zero Percent Fee Tolerance exceeded for Loan Services Fee. Fee Amount of $398.05 exceeds tolerance of $388.00. Missing proof of valid change,. insufficient or no cure was provided to the borrower.		2/XX/2019	Reviewer Comment (2018-09-25): The Seller provided a valid COC
1450001575		1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2018)	Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing		2/XX/2019	Reviewer Comment (2018-09-25): Internal Lock Confirmation provided in the file dated 2/XX/2018 reflects the rate lock date as 10/XX/2017 with an expiration date of 2/XX/2018 Seller Comment (2018-09-25): Disagree. APOR at lock date (1/XX/18) was 3.56. 3.56 + 1.5=5.06. Therefore, this is not a fail
1450001575		1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,099.92 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200)	Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $4,099.92 exceeds tolerance of $0.00. Missing proof of valid change, insufficient or no cure was provided to the borrower		2/XX/2019	Reviewer Comment (2018-09-25): The Seller provided a valid COC
1450001575		1	Federal HPML 2014 Compliant	Federal Higher-Priced Mortgage Loan: APR on subject loan of 4.75550% or Final Disclosure APR of 4.87500% is in excess of allowable threshold of APOR 3.22% + 1.5%, or 4.72000%. Compliant Higher Priced Mortgage Loan.				Reviewer Comment (2018-10-04): The seller provided evidence of rate lock
1450001575		1	North Carolina Rate Spread Threshold Test Compliant	North Carolina Rate Spread Home Loan: APR on subject loan of 4.75550% or Final Disclosure APR of 4.87500% is in excess of allowable threshold of APOR 3.22% + 1.5%, or 4.72000%. Compliant Rate Spread Home Loan.				Reviewer Comment (2018-10-04): The seller provided evidence of rate lock Reviewer Comment (2018-09-25): Internal Lock Confirmation provided in the file dated 2/XX/2018 reflects the rate lock date as 10/XX/2017 with an expiration date of 2/XX/2018 Seller Comment (2018-09-25): Disagree. APOR at lock date (1/XX/18) was 3.56. 3.56 + 1.5=5.06. Therefore, this is not a fail
1450001575		1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	File contains evidence that the borrower received electronic disclosures, missing documentation of consent		2/XX/2019	Reviewer Comment (2018-09-25): The seller provided E consent
1450001575		2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Elig Defect: First payment default - 1X30. Unable to verify.			Buyer Comment (2018-10-08): Defect was priced for at the time of bid. Seller Comment (2018-09-25): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001574	9/25/2018	1	Missing Document: Fraud Report not provided					Reviewer Comment (2018-09-25): The seller provided Fraud Report
1450001574	9/25/2018	1	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2018-09-25): The seller provided GSA Search
1450001574	9/25/2018	1	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2018-09-25): The seller provided LDP search
1450001574	9/25/2018	3	Missing Document: Verification of Non-US Citizen Status not provided		Final 1003 disclosed co-borrower as neither US Citizen or Permanent Resident Alien. Verification of status not provided.			Seller Comment (2018-09-25): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001574	9/25/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Loan not eligible for FHA Insurance. Uninsured FHA - Collateral and credit docs signed by non borrowing spouse.			Buyer Comment (2018-10-08): Defect was priced for at the time of bid. Seller Comment (2018-09-25): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001574	9/25/2018	2	1003 Error: Citizenship Source Documentation was not provided	Borrower: XXX	Permanent Resident Alien verification was not provided			Seller Comment (2018-09-25): Exception referred to Buyer for review and disposition. Please waive - Exception Related to defect stated
1450001574	9/25/2018	1	No evidence of fraud report in file	Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX				Reviewer Comment (2018-09-25): The seller provided fraud report
1450001574	9/25/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Defect reason provided on tape has been confirmed. Loan not eligible for FHA Insurance. Uninsured FHA - Collateral and credit docs signed by non borrowing spouse.			Buyer Comment (2018-10-08): Related to known defect.
1450001574	9/25/2018	1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	File contains evidence that the borrower received electronic disclosures, missing documentation of consent		1/XX/2019	Reviewer Comment (2018-09-25): The seller provided Esign Consent Agreement
1450001574	9/25/2018	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $989.00 exceeds tolerance of $768.00 plus 10% or $844.80. Insufficient or no cure was provided to the borrower. (0)	The CD issued on 1/XX/18 increased the Title Fees and Recording Fees by more than 10% without a valid change of circumstance.		1/XX/2019	Reviewer Comment (2018-10-04): Exception referred to Buyer for review and disposition. Reviewer Comment (2018-10-04): The seller provided a PCCD dated 9/XX/2018 with a disbursement date of 1/XX/2018 that disclosed a Lender Credit of $144.20. The seller did not provide a copy of the refund check or proof or delivery for the overage charged Seller Comment (2018-10-04): No refund check or proof of delivery necessary. Cure included in CD to cover difference. Reviewer Comment (2018-09-25): The seller provided Letter of Explanation and Corrected PCCD. Please provide Proof of Delivery and Copy of Refund Check,
1450001574	9/25/2018	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2017)				Reviewer Comment (2018-09-25): The seller provided evidence of receipt
1450001574	9/25/2018	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018)	The final CD did not provide a tolerance cure for the increase to the Title Fees and the Recording Fees.		1/XX/2019	Reviewer Comment (2018-10-04): Exception referred to Buyer for review and disposition. Reviewer Comment (2018-10-04): The seller provided a PCCD dated 9/XX/2018 with a disbursement date of 1/XX/2018 that disclosed a Lender Credit of $144.20. The seller did not provide a copy of the refund check or proof or delivery for the overage charged
1450001573		1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/02/XX/2018)	Final Closing Disclosure provided on 02/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.		2/XX/2019
1450001573		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2018)	No cure is required.		2/XX/2019	Reviewer Comment (2018-09-07): Corrected Closing Disclosure provided on 02/XX/2018.
1450001573		2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,409.00 exceeds tolerance of $2,059.00 plus 10% or $2,264.90. Insufficient or no cure was provided to the borrower. (0)	Ten Percent Fee Tolerance exceeded. Total amount of $2,409.00 exceeds tolerance of $2,059.00 plus 10% or $2,264.90. Insufficient or no cure was provided to the borrower.		2/XX/2019	Reviewer Comment (2018-09-28): Per Review scope seller fees are included in tolerance testing Exception referred to Buyer for review and disposition. Seller Comment (2018-09-28): The seller provided a Comp Ease
1450001573		1	TRID Seller Closing Disclosure Fees Greater than Final Closing Disclosure Seller Paid Fees	TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are greater than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/02/XX/2018)	Cured by post-closing Closing Disclosure.		2/XX/2019	Reviewer Comment (2018-09-07): Corrected Closing Disclosure provided on 2/XX/2018.
1450001573		2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed (Funds for closing not acceptable). Borrower has sufficient funds for closing, documents are within allowable age.
1450001572	12/7/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: This loan can't be insured because it isn't eligible through FHA because the borrower wasn't on title for one year and the appraised value shouldn't have been used to determine the loan amount. Title Commitment states the owner took title 12/XX/16 and the subject Note date is 11/XX/17.			Reviewer Comment (2018-12-07): Buyer accepted the exception. Buyer Comment (2018-12-05): Cleared
1450001572	12/7/2018	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001572	12/7/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Defect reason provided on tape has been confirmed: This loan can't be insured because it isn't eligible through FHA because the borrower wasn't on title for one year and the appraised value shouldn't have been used to determine the loan amount. Title Commitment states the owner took title 12/XX/16 and the subject Note date is 11/XX/17.			Reviewer Comment (2018-12-07): Buyer accepted the exception. Buyer Comment (2018-12-05): Cleared
1450001572	12/7/2018	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	43.91% exceeds the QM maximum of 43%.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001572	12/7/2018	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2017)	Final Closing disclosure did not disclose an amount by which the Total Closing Costs exceeded the legal limit due to 0% tolerance violations.		11/XX/2018	Reviewer Comment (2018-09-28): After further review exception has been cleared
1450001572	12/7/2018	1	TRID Final Closing Disclosure Without Seller Change - Total Payoffs	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2017 incorrectly disclosed whether there was a change in the Total Payoffs and Payments. (Final/11/XX/2017)	Calculating the Cash to close disclosed the Loan Estimate Total Payoffs as $78,405 and the Closing Disclosure amount as $78,404.50 and disclosed "Yes" this changed. Should be "No" as the LE was rounded.		11/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001572	12/7/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $75.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7563)	No COC or cure was provided to the borrower.		11/XX/2018	Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-09-28): After further review exception has been cleared Buyer Comment (2018-09-26): Our AMC review of this file did not produce this as a finding, therefore we do not have curative documents.
1450001572	12/7/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $207.60 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	No COC or no cure was provided to the borrower.		11/XX/2018	Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-09-28): After further review exception has been cleared Buyer Comment (2018-09-26): Our AMC review of this file did not produce this as a finding, therefore we do not have curative documents.
1450001572	12/7/2018	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.due to failing AUS			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001572	12/7/2018	1	TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $860.00 exceeds tolerance of $760.00 plus 10% or $836.00. Sufficient or excess cure was provided to the borrower at Closing. (0)			11/XX/2018
1450001572	12/7/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $207.60 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (8304)			11/XX/2018
1450001571	12/6/2018	3	Missing Document: Fraud Report not provided		Fraud report is missing from file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-09-28): Exception referred to Buyer for review and disposition. Buyer Comment (2018-09-26): Cannot provide
1450001571	12/6/2018	1	Missing Document: Appraisal not provided		Appraisal report was not provided.			Reviewer Comment (2018-09-28): The seller provided a 2055 Seller Comment (2018-09-26): see attached
1450001571	12/6/2018	3	Missing Document: Mortgage Loan Payoff Statement not provided		Payoff statement is missing from file.			Reviewer Comment (2018-09-28): Exception referred to Buyer for review and disposition. Buyer Comment (2018-09-26): Cannot provide
1450001571	12/6/2018	1	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.		The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 1/XX/17.			Reviewer Comment (2018-09-28): The seller provided a 2055
1450001571	12/6/2018	3	Rental Income Documentation - Schedule E Method	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided. (Non-Subject Investment/Schedule E)	Rental income was used to qualify. File is missing 2016 Tax Transcript and Lease Agreement.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001571	12/6/2018	3	Retirement Documentation	Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (XXX XXX/Pension)	Pension income was used to qualify. Award letter was not provided.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001571	12/6/2018	3	Social Security Documentation	Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient. (XXX SS/Social Security)	Social Security Income was used to qualify. A complete copy of current awards letter is required and was not provided.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001571	12/6/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is not insurable by FHA.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001571	12/6/2018	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.	Initial escrow account statement is missing from this file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001571	12/6/2018	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Originator Loan Designation not provided			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001571	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason on tape has been confirmed - loan not eligible for FHA Insurance. Incorrect property value used to qualify loan. Title seasoning less than 12 months requires prior purchase price to be used as property value. Loan was qualified using the current appraised value erroneously.			Reviewer Comment (2018-12-06): Condition not cleared. Buyer Comment (2018-12-05): Cleared
1450001571	12/6/2018	1	TRID Final Closing Disclosure Property Value	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 11/XX/2017 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/11/XX/2017)	The seller provided 2055 with a value of $XXX. The final CD disclosed an Appraised value of $XXX		11/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001570	12/6/2018	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016 12:00:00 AM was received. (Interim/03/XX/2016)	Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016 No evidence of early receipt located in the file		3/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001570	12/6/2018	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2016 not received by borrower at least four (4) business days prior to closing. (Interim/03/XX/2016)	Revised Loan Estimate 03/XX/2016 received on or after the date the Closing Disclosure 3/XX/2016, No evidence of early receipt located in the file		3/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001570	12/6/2018	1	TRID Home Loan Toolkit Timing	Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	The toolkit was received on 3/XX/16 when the loan application date is 1/XX/16.		3/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001570	12/6/2018	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/03/XX/2016)	Final calculated finance charges total $XXX whereas final finance charges are $XXX giving a variance of -$248.78.		3/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001570	12/6/2018	2	Due diligence results confirm loan defect provided		Actual gift amount is $3500, however FHA connection was showing $1000 so it wouldn't insure--FHA case # was cancelled in Oct 2017. Paid as agreed			Reviewer Comment (2018-12-06): Condition not cleared. Buyer Comment (2018-12-05): Cleared
1450001569		2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.	Missing borrower signature on Affiliated Business Arrangement Disclosure.
1450001569		1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018)	Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.		1/XX/2019
1450001569		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $650.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower. (7506)	Loan estimate dated 12/XX/2017 disclose an appraisal fee to the borrower for $500.00;The final CD the fee was disclosed as $650.00 without no Valid COC or a cure to the borrower.		1/XX/2019	Reviewer Comment (2018-09-28): The Sellers initial LE dated 12/XX/17 reflects the appraisal fee as $500.00. The appraisal dated 12/XX/2017. The initial CD dated 1/XX/18 reflects the appraisal fee as $425 POC and $225 at closing totaling $650.00 that was disclosed without a Valid COC to the borrower
1450001569		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $4.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75228)	Loan estimate dated 12/XX/2017 did not disclose a TX Guaranty fee to the borrower; The borrower's final CD the fee was disclosed as $4.50 without a valid COC or cure to the borrower.		1/XX/2019	Reviewer Comment (2018-09-28): The Sellers initial LE dated 12/XX/17 reflects the TX Guaranty Fee as $0.00. The initial CD dated 1/XX/18 reflects the TX Guaranty Fee as $4.50 at closing that was disclosed without a Valid COC to the borrower
1450001569		2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Per the DU, the subject is listed as a SFR/1 unit residence and closed as such (1 unit TX A6). The subject property is actually a 2 unit detached residence. The loan does not qualify for TX-A6.
1450001569		3	AUS Findings: Number of units discrepancy.	Appraisal number of units of ___ does not match AUS number of units of ___.
1450001569		3	AUS Findings: Property type discrepancy.	Appraisal property type of ___ does not match AUS property type of ___.
1450001569		1	Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.	Valuation Type: Drive By / Valuation Report Date: 06/XX/2018 ___	Incorrect Appraisal Form type: Appraisal Form 2055 (Exterior Only) used for incorrect Subject property type.
1450001568		3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Mortgage insurance disclosed on final 1003 and CD, but MI cert was not obtained at the time of the transaction. Notes state MI was requested 01/2016.
1450001568		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	MI cert is missing.
1450001568		3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.	Originator Loan Designation was not provided in the file
1450001568		1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2015 disclosed a Closing Date that did not match the actual date of consummation. (Final/12/XX/2015)	Date issues is 12/XX/15 with closing date of 12/XX/15.		12/XX/2016
1450001568		2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 12/XX/2015 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/12/XX/2015)	Final Closing Disclosure provided on 12/XX/2015 disclosed a Finance Charge $139,492.02 that does not match the actual finance charge $139,967.02 for the loan.		12/XX/2016
1450001568		1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Your Home Loan Toolkit Disclosure was not located in the file		12/XX/2016
1450001568		2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/12/XX/2015)	No evidence of early receipt was located in the file		12/XX/2016
1450001568		1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/12/XX/2015)	Seller disclosure was not located in the file		12/XX/2016
1450001568		3	AUS Findings: All conditions were not met		FHA monthly MI not disclosed. Loan was insured on 01/XX/2016 but cancelled for non-payment. UFMIP refunded & monthly MI removed.
1450001568		1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/12/XX/2015)
1450001567		3	Missing Document: Fraud Report not provided					Reviewer Comment (2018-09-28): The seller provided the Credit Report please provide a Fraud Report
1450001567		1	TRID Final Closing Disclosure Negative Fees	TRID-RESPA Integrated Disclosure - Final Closing Disclosure provided on 08/XX/2016 disclosed a negative fee amount. (Final/08/XX/2016)	Disclosure reflects a negative fee for MIP Refund (-1,813.35) in Section (H). This is TRID non-compliant.		8/XX/2017
1450001567		1	TRID Final Closing Disclosure Prepaid Interest	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/XX/2016 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/08/XX/2016)	Prepaid Interest was disclosed as $14.8086 per day for 10 days for a total of $148.09, however this would equate to total paid of $148.10.		8/XX/2017
1450001567		2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.			8/XX/2019	Reviewer Comment (2018-09-28): Exception referred to Buyer for review and disposition. Our review of this file did not produce this as a finding, therefore we do not have curative documents.
1450001567		2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: this loan was uninsurable because the borrower hadn't made 6 payments before a streamline refinance. Comments: Credit report reflects mortgage reviewed for 7 months and verification of mortgage in file reflects 7 payments (2/XX, 3/XX, 4/XX, 5/XX, 6/XX, 7/XX, 8/XX).
1450001567		3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		The file is missing Mortgage Insurance Certificate and Mortgage Insurance Evidence
1450001566		2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided Exception information: Investor performed random QC review 1 year after purchase and determined that initial AV was supported even though appraiser provided narrative
1450001566		2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1450001566		2	RESPA Affiliated Business Arrangement Disclosure Timing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.
1450001566		2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $1,056.00 on Final Closing Disclosure provided on 08/XX/2016 not accurate. (Final/08/XX/2016)	oan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $1,056.00 on Final Closing Disclosure provided on 08/XX/2016 does not match the Non-Escrowed Property Costs of the loan		8/XX/2017
1450001566		2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/08/XX/2016)	Final CD Finance Charge (pg 5) was $XXX and calculated Finance Charge is $XXX.		8/XX/2017
1450001566		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2016)	Final CD dated 08/XX/2016 Calculating Cash to Close (pg 3) does not disclose the accurate amount by which closing costs exceed legal limit.		8/XX/2017
1450001566		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75206)	Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Valid COC or Cure for Title - wire of $5 was not provided.		8/XX/2017
1450001566		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,840.10 exceeds tolerance of $1,837.00. Insufficient or no cure was provided to the borrower. (7567)	Valid COC or Cure for Title - Lender's Title Insurance of $1,840.10 was not provided.		8/XX/2017
1450001566		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $5,000.00 exceeds tolerance of $2,500.00. Insufficient or no cure was provided to the borrower. (8304)	Valid COC or Cure for Transfer Tax of $5,000 exceeds tolerance of $2,500 was not provided.		8/XX/2017
1450001565		2	Due diligence results confirm loan defect provided		Transaction was closed depicting subject property as an Attached PUD Townhome, with Rider to Security Instrument and Endorsement to final Title Policy reflecting this. Post-closing review determined property is legally classified as a Condominium which required appraisal be revised and updates to collateral. The project was discovered to be non-warrantable after closing which makes it not eligible to be sold to Fannie Mae.
1450001565		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2017)	Final CD Calculating Cash to Close section did not disclose a value of the dollar amount by which the total closing costs exceeded the legal limit.		9/XX/2018
1450001565		2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $575.00 exceeds tolerance of $436.00 plus 10% or $479.60. Insufficient or no cure was provided to the borrower. (0)	Valid COC or Cure for $575 exceeding tolerance of $436 plus 10% or $479.60 was not provided. The title exam fee of $627, closing protection letter fee of $75 and endorsements of $175 were not previously disclosed to the borrower when the Loan Estimates were issued.		9/XX/2018
1450001565		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $480.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	Valid COC or Cure for Transfer Tax of $480 was not provided.		9/XX/2018
1450001564		2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - HOA does not maintain 10% reserves to meet fannie guidelines.
1450001563		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77188)	Title - Tax Certificate Fee was not disclosed on the Initial Loan Estimate dated 04/XX/2018, but disclosed as $25.00 on the Final Closing Disclosure and fee was not paid to the same title provider. No COC or Evidence of cure was not provided.		5/XX/2019
1450001563		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018)	No COC or Cure for 0% tolerance violation of $25.00 was not provided.		5/XX/2019
1450001563		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Higher Priced QM.	Subject loan does not meet the requirements of Temporary SHQM due to failing the QM points and fees test.
1450001563		3	Missing Document: Fraud Report not provided		File is missing the borrower's required Fraud Report. Upon receipt of the missing Fraud Report, additional conditions may apply.
1450001563		2	Due diligence results confirm loan defect provided		Defect reason provided on tape has not been confirmed: Defect 1-Significant derogatory event-Foreclosure-Undisclosed foreclosure in 2013 - XXX, PA XXX within the last 7 yrs and not declared on 1003 or reflected on credit report. Unable to verify defect due to credit reports provided in the file verify this address as one of the borrower's previous addresses however, no mortgage tradelines were reported on any of the credit reports, MERS Summary and the post-close credit report dated 06/XX/2018. In addition, file is missing the required Fraud Report.
1450001562		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/XX/2017)	The addition of the FHA UFMIP is a valid change of circumstance that was properly redisclosed on a re-issued CD. Because the initial CD had already been provided, the redisclosure related to the program change was correctly made using a CD.		12/XX/2018
1450001562		1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 11/XX/2017 received on or after the date the Closing Disclosure 11/XX/2017 12:00:00 AM was received. (Interim/11/XX/2017)	The LE was issued on 11/XX/2017 and the initial CD was issued on 11/XX/2017. There is no documentation provided to show that the borrower received the re-issued LE prior to 11/XX/2017.		12/XX/2018
1450001562		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,409.72 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7591)	The addition of the FHA UFMIP is a valid change of circumstance that was properly redisclosed on a re-issued CD. Because the initial CD had already been provided, the redisclosure related to the program change was correctly made using a CD.		12/XX/2018
1450001562		2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Defect 1- FHA-not eligible for insuring- Loan uninsurable due to SS # for Co-Borrower is incorrect. FICO dropped and is now 563 and borrower was past due on two accounts. Comments: Co-borrower SSN incorrect on initial credit report, however, debts reflected are correct. When post-closing credit report was obtained, borrower's score has dropped below threshold due to late payments on 4 accounts since closing [XXX, XXX, XXX, XXX].
1450001562		3	Retirement Documentation	Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient. (XXX XXX/Pension)
1450001562		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Coded as No for Agency Salable due to the defect finding.
1450001562		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan Designation Match is accurate at HUD Safe Harbor QM.
1450001562		3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.
1450001561	12/6/2018	1	Last Date Rate Set Not Provided	Last Date Rate Set was not provided. In order to determine Average Prime Offer Rate (APOR), the worst case scenario was used between Application Date and Transaction Date.				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001561	12/6/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $595.00. Sufficient or excess cure was provided to the borrower at Closing. (7506)	Appraisal fee was disclosed on LE at $595, but increased to $750 on final Closing Disclosure. However, a sufficient cure was disclosed.		5/XX/2019
1450001561	12/6/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $156.40 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing. (7520)	Credit Report fee was disclosed on LE at $50 but increased to $156.40on final Closing Disclosure. However, a sufficient cure was disclosed.		5/XX/2019
1450001561	12/6/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $12.00 exceeds tolerance of $8.00. Sufficient or excess cure was provided to the borrower at Closing. (7579)	Flood Certificate fee was disclosed on LE at $8, but increased to $12 on final Closing Disclosure. However, a sufficient cure was disclosed.		5/XX/2019
1450001561	12/6/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $55.00 exceeds tolerance of $14.00. Sufficient or excess cure was provided to the borrower at Closing. (7580)	Tax Service fee was disclosed on LE at $14, but increased to $55 on final Closing Disclosure. However, a sufficient cure was disclosed.		5/XX/2019
1450001560		1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 did not disclose number of months for homeowner's insurance under Prepaids. (Final/02/XX/2018)	The final CD does not show number of months collected for the homeowner's insurance.		2/XX/2019
1450001560		2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed -The loan closed with the wrong appraised value due to the borrower has owned the property less than 12 months. The borrower acquired the property on 9/XX/2017 and the Note date is 2/XX/2018.
1450001560		2	FHA - Informed Choice Disclosure is not compliant.	Disclosure: FHA - Informed Choice Disclosure (Government Documents)	The disclosure was not provided at the time of application. the disclosure signed and dated 5/XX/2018.
1450001559	10/22/2018	1	Missing Document: Approval not provided		Approval is missing from file			Reviewer Comment (2018-10-22): Approval provided for review. Seller Comment (2018-10-19): See attached
1450001559	10/22/2018	1	Missing Document: AUS not provided		AUS is missing from file			Reviewer Comment (2018-10-22): AUS provided for review. Seller Comment (2018-10-19): See attached
1450001559	10/22/2018	1	Missing Document: Missing Lender's Initial 1003		Initial Lender's 1003 is not located in file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-22): Per Seller originator is TPO and they do not provide lender's initial application. Exception referred to buyer for review and disposition. Buyer Comment (2018-10-19): Attached is broker's initial 1003 - This is a TPO loan and thus we do not provide an initial 1003
1450001559	10/22/2018	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	The file is missing documentation to verify the Loan Originator Compensation was not based on a term of the transaction.			Reviewer Comment (2018-10-22): XXX has elected to waive this exception. Chose without comp factor. Buyer Comment (2018-10-19): Originator comp is set at broker level - Please review and waive as there is no LO comp disclosure required
1450001559	10/22/2018	1	RESPA Affiliated Business Arrangement Disclosure Timing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.	The Affiliated Business Arrangement Disclosure was signed on 02/XX/2018. The application date is 01/XX/2018. The disclosure does not list any affiliates.			Reviewer Comment (2018-12-17): This condition previously cleared. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-23): No ABA required. No affiliates. Condition cleared. Buyer Comment (2018-10-22): Affiliated Business Arrangement Disclosure not required as the broker has no affiliates
1450001559	10/22/2018	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $2,499.75 on Final Closing Disclosure provided on 03/XX/2018 not accurate. (Final/03/XX/2018)	The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. The value provided on the tax certificate documentation was used in testing		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001559	10/22/2018	1	General Ability To Repay Provision Investor Guidelines Not Provided	Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 60.73800% DTI, XXX%/XXX% LTV/CLTV, 740 Credit Score, Occupancy: Primary, Purpose: Purchase,	No approval or AUS was provided to verify Approval			Reviewer Comment (2018-10-22): AUS provided for review. Buyer Comment (2018-10-19): AUS uploaded for another condition
1450001559	10/22/2018	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Income was calculated incorrectly by underwriter, thus, the DTI ratio approved by UW is incorrect. There is no income calculation worksheet provided to determine how the figure was calculated. Comment on the FHA Loan Transmittal states "Income is base salary only. VOE supports the paystubs provided". The VOE does not support the paystubs. None of the averages support a weekly salary of $1,200 as provided on the VOE.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-22): Exception referred to Buyer for final review and disposition. Buyer Comment (2018-10-19): This is the reason that the loan is being sold as scratch & dent as it was underwritten incorrectly and not eligible for purchase or insurance by HUD
1450001559	10/22/2018	2	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/550174)	The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. Entered the value provided on the tax certificate documentation in testing		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001559	10/22/2018	2	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/550174)	The monthly tax amount used on the CD is $150. The monthly tax amount used on the FHA Loan Transmittal is $200. The annual tax amount on the tax certificate documentation provided is $2,292.22 or $191.02 / month. Entered the value provided on the tax certificate documentation in testing		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001559	10/22/2018	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. (XXX/1688556)	No employment verification for previous employer is provided, thus, a 2-year history is not verified.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001559	10/22/2018	1	TRID Loan Estimate Esign Consent Agreement Timing	ESIGN Act - Loan Estimate provided on 01/XX/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/01/XX/2018)	Borrowers consent date is 01/XX/2018.		3/XX/2019	Reviewer Comment (2018-12-17): This condition previously cleared. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-23): Borrower consented on 1/XX/2018. The initial LE was not e-signed by borrower until 02/XX/2018. Condition cleared. Buyer Comment (2018-10-19): Yes the LE was emailed on 01.XX.2018 and the borrower e-consented the following day on 01.XX.2018 - Please review and waive
1450001559	10/22/2018	1	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	AUS Findings are missing. Income improperly calculated and ratio exceeds manual underwriting guideline.			Reviewer Comment (2018-10-22): AUS provided for review. Buyer Comment (2018-10-19): AUS uploaded under a different condition
1450001559	10/22/2018	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk.	HUD Safe Harbor QM is the expected result. Due to the DTI ratios, the Due Diligence Loan Designation returned is ATR Risk.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001559	10/22/2018	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/03/XX/2018)	The seller's CD is not provided.		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001559	10/22/2018	1	Guideline Requirement: Investor qualifying total debt ratio discrepancy.		Income is not properly calculated, thus, DTI ratio approved by UW is incorrect. There is no income calculation worksheet provided to determine how the figure was calculated. Comment on the FHA Loan Transmittal states "Income is base salary only. VOE supports the paystubs provided". The VOE does not support the paystubs. None of the averages support a weekly salary of $1,200 as provided on the VOE.			Reviewer Comment (2018-10-22): Loan approved through AUS. Buyer Comment (2018-10-19): Correct - The UW calculated the income incorrectly
1450001559	10/22/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Income was calculated incorrectly. Analyst Comment: DTI ratio approved by UW is incorrect. There is no income calculation worksheet provided to determine how the figure was calculated. Comment on the FHA Loan Transmittal states "Income is base salary only. VOE supports the paystubs provided". The VOE does not support the paystubs. None of the averages support a weekly salary of $1,200 as provided on the VOE.			Reviewer Comment (2018-12-07): Buyer accepted exception Buyer Comment (2018-12-05): Cleared Reviewer Comment (2018-10-22): Exception referred to Buyer for final review and disposition. Buyer Comment (2018-10-19): Correct - The UW calculated the income incorrectly -
1450001559	10/22/2018	1	AUS Findings: All conditions were not met		AUS Findings are missing, although ZFHA is entered on the FHA Loan Transmittal. Unable to determine whether conditions of AUS approval are met.			Reviewer Comment (2018-10-22): AUS provided for review. Buyer Comment (2018-10-19): AUS uploaded to another condition
1450001559	10/22/2018	1	General Ability To Repay Provision Investor Guidelines Violation	Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.	Income was calculated incorrectly by underwriter, thus, the DTI ratio approved by UW is incorrect. There is no income calculation worksheet provided to determine how the figure was calculated. Comment on the FHA Loan Transmittal states ("Income is base salary only. VOE supports the paystubs provided"). However The VOE does not support the paystubs. None of the averages support a weekly salary of $1,200 as provided on the VOE.			Reviewer Comment (2018-10-22): Yes - This is correct - Hence the reason for selling scratch & dent Buyer Comment (2018-10-19): Yes - This is correct - Hence the reason for selling scratch & dent
1450001545	10/4/2018	1	FHA - Real Estate Certification is not compliant.	Disclosure: FHA - Real Estate Certification (Government Documents)	There is no real estate broker signature on the final disclosure.			Reviewer Comment (2018-12-17): Condition already cleared. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-04): After further review exception has been cleared Buyer Comment (2018-10-03): There are no real estate brokers involved with the transaction and this is why there are no signatures.
1450001545	10/4/2018	1	FHA - Real Estate Certification was provided at or after closing.	Disclosure: FHA - Real Estate Certification (Government Documents) Provided Date: ___; Consummation Date: ___				Reviewer Comment (2018-12-17): Condition already cleared. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-04): After further review exception has been cleared Buyer Comment (2018-10-03): All parties signed the document on 5/XX/17
1450001545	10/4/2018	3	Credit Report Error: Credit report is missing FICO scores.	Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX	A FICO score was not provided on the credit report for this applicant.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-04): Please provide the complete credit report Buyer Comment (2018-10-03): FHA loans allow for no scores. I am not sure what is being asked for on this.
1450001545	10/4/2018	3	Missing Document: Alternative credit requirements are not satisfied.	Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX	A FICO score was not provided on the credit report for this applicant.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-04): Please provide the complete credit report Buyer Comment (2018-10-03): FHA loans allow for no scores. I am not sure what is being asked for on this.
1450001545	10/4/2018	2	Due Diligence results do not confirm loan defect provided		Exception Information: Defect reason provided on tape has been confirmed. - Loan not eligible for FHA insurance. Appraisal expired before the loan was approved.			Reviewer Comment (2018-12-17): New information not provided. Reviewer Comment (2018-10-04): The appraisal provided in the file is dated 5/XX/17 Buyer Comment (2018-10-03): The appraisal is dated 5/XX/17, the final is dated 5/XX/17, and the loan closed 5/XX/17.
1450001545	10/4/2018	3	Appendix Q Liabilities - Excluded because Non-Traditional	Qualified Mortgage (Dodd-Frank 2014): Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation incorrectly, based on Non-Traditional Credit Liability considerations.				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001545	10/4/2018	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2017)				Reviewer Comment (2018-10-04): The seller provided evidence the appraisal was delievered 5/XX/17 Seller Comment (2018-10-03): Appraisal Delivery
1450001545	10/4/2018	1	NMLS (LO Company Match)	Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization NMLS information on loan documents does not match NMLS.			5/XX/2020	Reviewer Comment (2018-10-04): The seller provided NMLS Seller Comment (2018-10-03): NMLS
1450001545	10/4/2018	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001545	10/4/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Appraisal expired before the loan was approved.			Reviewer Comment (2018-12-17): New information not provided. Reviewer Comment (2018-10-04): The appraisal provided in the file is dated 5/XX/17 Buyer Comment (2018-10-03): The appraisal is dated 5/XX/17, the final is dated 5/XX/17, and the loan closed 5/XX/17.
1450001545	10/4/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $90.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103)	No valid COC was located in the file		5/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001545	10/4/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.00 exceeds tolerance of $35.00. Insufficient or no cure was provided to the borrower. (7520)	Fee disclosed as $35 on LE dated 03/XX/17, but disclosed as $70 on Final Closing Disclosure. No valid COC was located in the file		5/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001545	10/4/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/05/XX/2017)	Seller paid fees on the buyers Closing Disclosure is $0; seller paid fees on the sellers Closing Disclosure is $679.50.		5/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001545	10/4/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017)	Cure for various 0% tolerance violations $125 was not provided.		5/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001545	10/4/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/05/XX/2017)	A partial CD in the file that is missing page 1 has a stamp that states Date Mailed 5/XX/2017 JTN3 on pages 2-5. Please provide page 1		5/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001544	12/6/2018	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		$XXX HOI coverage the cost to rebuild was not disclosed on the appraisal. The original loan amount is $XXX. please provide Extended dwelling coverage, 100% Guaranteed Replacement Cost coverage or Lender Documented Insured Value.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001544	12/6/2018	3	Initial VA Addendum 26-1802a is missing.	Disclosure: Initial VA Addendum to the Loan Application 26-1802a (Government Documents)				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001544	12/6/2018	1	TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD	TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/06/XX/2017)	Seller CD reflects fees totaling $10,057.50 however buyers CD reflects seller paid fees of $765.		6/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001543	12/6/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/01/XX/2018)	Final CD dated 01/XX/2018 did not disclose any Seller Paid Fees.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001543	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018)	Final CD dated 01/XX/2018 - Calculating Cash to Close did not disclose a dollar amount by which the Total Closing Costs exceeded the legal limit.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001543	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $31.73 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7349)	Fee was not disclosed on Loan Estimate or Initial Closing Disclosure dated 1/XX/17. Lender re-baselined fees on the Final CD outside of 7 days of consummation.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	3	FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.		Disaster Name: XXX Disaster Declaration Date: 09/XX/2018 Disaster was after the subject loan closing.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	1	TRID Appraisal Disclosure - ECOA Timing	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.	Earliest evidence the borrower was provided the Appraisal Disclosure was on 6/XX/17 and the application date is 3/XX/17.		10/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	Earliest evidence the borrower was provided the Counseling Agencies was on 6/XX/17 and the application date is 3/XX/17.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	1	TRID Home Loan Toolkit Timing	Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	Earliest provided date located in the file 6/XX/17 and the application date is 3/XX/17.		10/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	2	TRID Loan Estimate Timing	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/06/XX/2017)	Missing Initial Loan Estimate dated 3/XX/17.		10/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	1	TRID Service Provider Timing	TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	Earliest evidence the borrower was provided a SSPL was on 6/XX/17 and the application date is 3/XX/17.		10/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	1	TRID Servicing Disclosure Timing	File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	Earliest evidence of delivery is 6/XX/17 and the application date was 3/XX/17.		10/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001542	12/6/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/10/XX/2017)	Seller's Closing Disclosure seller paid fees are $12,885.94 and the Consumer's Final Closing Disclosure did not reflect any seller paid fees.		10/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Borrower did not have the entitlement available at time of closing			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	3	Loan Guaranty Certificate is missing.	Disclosure: VA - Loan Guaranty Certificate (Government Documents)	Base on defect reason loan is VA uninsurable.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	1	RESPA Initial Escrow Account Disclosure Compliant Test	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.	Final CD shows initial escrow payment of $856.49 but escrow disclosure shows initial escrow payment of $629.99			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2017 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/09/XX/2017)	Final CD finance charge did not include $250 Admin Fee in section H		9/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $0.00 on Final Closing Disclosure provided on 09/XX/2017 not accurate. (Final/09/XX/2017)	Subject is in an HOA but HOA fees not disclosed on final CD		9/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2017)	Final CD disclosed $0.00		9/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $322.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	No cure provided in file		9/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001541	12/6/2018	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2018-12-06): Condition not cleared. Buyer Comment (2018-12-05): Cleared
1450001541	12/6/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/09/XX/2017)	There are fees listed on the Seller's Closing Disclosure that was not listed on the borrower's final closing disclosure.		9/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001540	12/6/2018	3	Missing Document: Fraud Report not provided		The Fraud Report was missing from loan file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001540	12/6/2018	3	AUS Findings: All conditions were not met		AUS reflects the omission of a collection in the amount of $4,337 without supporting documentation as required per condition #14 of the final DU.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001540	12/6/2018	2	Due Diligence results do not confirm loan defect provided		Missing Fraud Report in file or any other post closing documentation reflecting the borrower had an undisclosed foreclosure.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001540	12/6/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/04/XX/2018)	Initial Closing Disclosure is dated 4/XX/18 with consummation date of 4/XX/18 without evidence of timing waiver. The file does not contain a copy of the initial CD issued on 4/XX/18 and confirmed as received, per the Disclosure Tracking Summary in the file.		4/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001540	12/6/2018	1	TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees	TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/04/XX/2018)	Seller Disclosure reflects fees totaling $11,717.79 yet borrower's final CD shows seller fees in the amount of $12,562.98		4/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001540	12/6/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $832.50 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing. (7200)	Lender provided a tolerance cure of $1,097.40 on the final CD.		4/XX/2019
1450001540	12/6/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $9.00 exceeds tolerance of $5.00. Sufficient or excess cure was provided to the borrower at Closing. (75229)	Lender provided a tolerance cure of $1,097.40 on the final CD.		4/XX/2019
1450001539	12/6/2018	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2017 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/05/XX/2017)	Unable to confirm the discrepancy due to missing itemization of amount financed, however, it appears the $150 fee for the Condo Questionnaire was not originally included in the finance charges.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $4,086.72 on Final Closing Disclosure provided on 05/XX/2017 not accurate. (Final/05/XX/2017)	The Monthly HOA fee of $340 translates to an annual amount of $4080; the CD disclosed $4086.72.		6/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017)	The Appraisal Re-Inspection Fee of $185 was not disclosed to the Borrower in the LE. There was no valid change of circumstance documented in file and the Final CD did not disclose a cure provided to the Borrower.		6/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/05/XX/2017)	There were seller paid fees disclosed on the Borrower's Final CD but the Seller CD was not provided in file.		6/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75103)	Appraisal Re-inspection fee disclosed as $185.00 on CD dated 05/XX/2017 but not disclosed on LE. No valid change of circumstance in file and no cure provided to Borrower.		6/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	3	Missing Document: Fraud Report not provided		The fraud reports for the Borrowers were not provided in file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	3	Title Error: Title vesting does not concur with deed		The Security Instrument discloses the vesting as XXX, an unmarried woman and XXX, an unmarried woman versus the Final Title vesting of XXX and XXX, a single woman, as joint tenants with full rights of survivorship and not as tenants in common.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	2	RESPA Affiliated Business Arrangement Disclosure Timing	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.	There is no evidence in file disclosure was provided to the Borrower prior to 5/XX/17.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	1	TRID Home Loan Toolkit Timing	Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	There is no evidence in file disclosure was provided to the Borrower prior to 5/XX/17.		6/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	3	Missing Document: HOA Questionnaire not provided		The AUS indicates a full condo review must be completed due to the Builder being in control of the HOA, however, the condo questionnaire and full review is missing from file. Also, cannot confirm reported defect due to missing documentation.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001539	12/6/2018	2	Due Diligence results do not confirm loan defect provided		Defect reason on the tape has not been confirmed: Non-Warrantable Condo; budget issue. Unable to confirm due to missing Condo Questionnaire. No exception approval noted in the file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	3	Missing Document: Fraud Report not provided		Fraud Report not evidenced in file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.		Post Disaster Report in file is dated 10/XX/17 which is prior to disaster end date of 10/XX/17.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Confirmed Non-QM status via Compliance Report.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $4,086.72 on Final Closing Disclosure provided on 07/XX/2017 not accurate. (Final/07/XX/2017)	Amount of Non-Escrowed Property Costs over Year 1 in the amount of $4,086.72 is less than disclosed amount of $4,092.00 provided on property valuation.		7/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/07/XX/2017)	Evidence of earlier borrower receipt was not found in file.		7/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	3	No evidence of fraud report in file	Credit Report: Original // Borrower: XXX				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	Subject loan exceeds allowable maximum of 3% and is not covered by QM Safe Harbor.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/07/XX/2017)	Although the borrower waived the 3 day timing requirement, there is no evidence in file of borrower receiving a copy of the appraisal report.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001538	12/6/2018	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed with unwarrantable condo; budget issues.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	Inspection report in file dated prior to declared disaster end date.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Home loan toolkit not located in file.		7/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 07/XX/2017 received on or after the date the Closing Disclosure 7/XX/2017 12:00:00 AM was received. (Interim/07/XX/2017)	Loan estimate dated 7/XX/2017 was not signed/dated by borrower. Estimated receipt date is 7/XX/2017. Initial closing disclosure issue date is 7/XX/2017.		7/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan not salable due to lack of condo warranty.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	3	Missing Document: Hazard Insurance Policy not provided					Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.	FACTA not located in file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	3	Income Docs Missing:	Borrower: XXX ___	2016 tax transcripts are not located in file. AUS requirement was for a 4506T signed at application and closing, unless initial 4506T was executed and transcripts received prior to closing - if so, only the final is required. The Initial 4506T was not provided, and no transcripts were found in the file. Please provide either an initial 4506T or evidence that transcripts were obtained.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	2	TRID Final Closing Disclosure Contact Information - Broker	TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 07/XX/2017 did not disclose the required Broker Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (Final/07/XX/2017)	Broker information not located on final CD page 5.		7/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	1	TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees	TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/07/XX/2017)	Seller fees from consumer's final CD are $19,320.75. Seller fees from seller's CD are $14,811.00.		7/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	2	Due diligence results confirm loan defect provided		Condo questionnaire not located in file. Unable to determine if condo project meets FHLMC requirements.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001537	12/6/2018	3	AUS Findings: All conditions were not met		Income documentation requirements were not met (missing initial 4506T, Transcripts).			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason on tape has been confirmed. Borrower to provide paystubs after closing yet not provided in loan file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/XX/2018)	Seller CD not in file.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 01/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/01/XX/2018)	Date of consummation is 1/XX/18 vs. 1/XX/18 listed on the Final Closing Disclosure.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2018)	Final CD issued on 01/XX/2018 without evidence of timing waiver in file.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	1	TRID Final Closing Disclosure Summaries Of Transactions - Cash From To Borrower	TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 01/XX/2018 disclosed an Amount of Cash to Close that does not match the Final value of Cash to Close in the Calculating Cash to Close table. (Final/01/XX/2018)	Final Closing Disclosure reflects $140,000 cash to close yet calculated cash to close listed on the bottom of page 3 indicates $140,636 which includes the 3 debts borrower is paying at closing.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018)	Final CD reflected costs exceeding the legal limit of $86.40 yet amount of increased fees exceeding the max totals $2,324.64		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $712.00 exceeds tolerance of $251.00 plus 10% or $276.10. Insufficient or no cure was provided to the borrower. (0)	Initial LE reflected recording fees of $261 yet final Closing Disclosure reflected $712 paid between borrower and seller.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,460.59 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200)	Loan Discount fee of $1460.59 was not disclosed on initial LE and a valid changed circumstance confirming borrower requested change is missing from the loan file.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001536	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $587.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	Initial LE did not reflect any Transfer Tax fee yet final Closing Disclosure reflected a fee of $587.95 that was paid by the seller.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Supporting documentation was not provided to verify coverage includes replacement cost.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	1	TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2018 disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees. (Final/01/XX/2018)	Additional Seller paid fees were not disclosed on Seller's CD.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/01/XX/2018)	Cash to Close table did not disclose a dollar figure for the exceed legal limit; no cure was provided.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2018)	Initial CD(s) were not provided; delivery confirmation of CD(s) was provided at the time of review.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	1	TRID Seller Closing Disclosure Fees Lesser than Final Closing Disclosure Seller Paid Fees	TILA-RESPA Integrated Disclosure: Fees disclosed on the Seller's Closing Disclosure are less than the Seller Paid fees disclosed on the Consumer's Final Closing Disclosure. (Final/01/XX/2018)	Seller Cd seller paid fees are $15840.88 Final CD seller paid fees are $18375.88		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,069.08 exceeds tolerance of $2,535.00. Insufficient or no cure was provided to the borrower. (7200)	Change of circumstance provided, however CD was not provided at the time of review.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,268.00 exceeds tolerance of $1,267.00. Insufficient or no cure was provided to the borrower. (8304)	Consumer's Final CD indicated $1.00 credit for increase of fee.		1/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001535	12/6/2018	2	Due diligence results confirm loan defect provided		The Due Diligence does not confirm the defect. The CD referenced as incomplete (no issue date, missing pages) is a title company CD that does not reflect all of the required data for interest rate and monthly P&I.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001534	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. -Loan not eligible due to missing homebuyer education certificate.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001534	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2018)	Cure for $4 0% tolerance violation not provided.		2/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001534	12/6/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/02/XX/2018)	Earlier dated CD not provided.		2/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001534	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $9.00 exceeds tolerance of $5.00. Insufficient or no cure was provided to the borrower. (75228)	Cure for $4 0% tolerance violation not provided.		2/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001534	12/6/2018	3	Missing Document: Fraud Report not provided		Not provided.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001534	12/6/2018	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/01/XX/2018)	Unable to determine when the borrower received a copy of the appraisal.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001533	12/6/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/01/XX/2017)	Final CD issued 1/XX/2017 and closing date is 1/XX/2017.		1/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001533	12/6/2018	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/01/XX/2017)	Missing Seller CD.		1/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001533	12/6/2018	3	The Hazard Insurance Policy effective date is after the Transaction Date.	Hazard Insurance Policy Effective Date ___, Transaction Date: ___				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001533	12/6/2018	3	Missing Document: Fraud Report not provided					Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001533	12/6/2018	2	Due Diligence results do not confirm loan defect provided		From documents in file we are unable to confirm that home is not 100% complete and that Property is damaged and repairs are still on-going. Appraisal in file has property as is and no indication that it has been damaged			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Confirmed. Loan is uninsurable due to property issues.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Loan does not meet QM requirements, proof of insurability is not available.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	While AUS was Approve/Eligible, the Property was not acceptable for insurance by the appropriate agency.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2017 disclosed a Closing Date that did not match the actual date of consummation. (Final/08/XX/2017)	The file did not include a Post Consummation CD which corrected the Closing Date.		8/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-29): Final CD reflects a closing date of 08/XX/2017; however the actual closing date was 08/XX/2017. Seller Comment (2018-10-29): Final CD - Funding Date 8/XX/17
1450001532	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2017)	No		8/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75155)	No		8/XX/2018	Reviewer Comment (2018-10-29): After further review exception has been cleared Seller Comment (2018-10-29): Initial CD
1450001532	12/6/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,293.06 exceeds tolerance of $1,293.00. Insufficient or no cure was provided to the borrower. (7591)	No		8/XX/2018	Reviewer Comment (2018-10-29): After further review exception has been cleared Seller Comment (2018-10-29): Loan Estimate - MI Disclosed
1450001532	12/6/2018	3	The Hazard Insurance Policy effective date is after the Transaction Date.					Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	3	Guideline Issue:Insufficient asset documentation.	Financial Institution: XXX / End Date: 06/XX/2017 // Account Type: Checking / Account Number: XXX, Financial Institution: Wells Fargo Bank / End Date: 06/XX/2017 // Account Type: Checking / Account Number: XXX				Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Unable to locate the MIC or evidence of payment of the MI premium based on documents provided.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	3	Lead Based Paint Attachment - Attached to Purchase Contract is missing.	Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)	The Purchase Contract in file did not include the Lead Based Paint Addendum.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	1	TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD	TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. (Final/08/XX/2017)	The Seller CD reflected total costs of $68,367.45 while the Buyer's CD totaled $73,301.95, a difference of $4934.50. $3500 of the difference was due to Seller Paid being shown on page 1 in the Seller CD. The remaining difference of $1434.50 was the fees paid by the seller for their part of the transaction.		8/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $214.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	Seller paid fee, no cure required.		8/XX/2018	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $120.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104)	The loan file does not contain evidence of a cure to the borrower for the appraisal admin/review fee paid by the seller which was not disclosed to the borrower in the initial LE..		8/XX/2018	Reviewer Comment (2018-10-29): After further review exception has been cleared
1450001532	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Subject property uninsurable due to a non-permitted garage conversion.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	Exception set for missing bank statement to support earnest money deposit of $1000 which was wired on 5/XX/17.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001532	12/6/2018	1	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,950.00 exceeds tolerance of $1,308.00 plus 10% or $1,438.80. Insufficient or no cure was provided to the borrower. (0)	A Ten Percent cure of $642 was determined based increases to the Courier and Settlement fees; the latter fees were paid by the Seller.		8/XX/2018	Reviewer Comment (2018-10-29): After further review exception has been cleared
1450001532	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Subject property uninsurable due to a non-permitted garage conversion.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	1	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		Provided HOI evidence does not reflect ISAOA			Reviewer Comment (2018-11-01): Received/reviewed updated homeowner's with correct endorsement. Condition cleared. Seller Comment (2018-10-31): HOI Reviewer Comment (2018-10-30): Received homeowner's policy. Lender endorsement is the same as previously received/reviewed in original file. The policy does not list "Lender, its successors and/or assigns" per guideline requirements. Seller Comment (2018-10-29): hoi
1450001531	11/1/2018	2	TRID Loan Estimate Seven Day Waiting Period	TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. (Initial/03/XX/2018)	Loan estimate was delivered 3/XX/2018, less than seven days prior to closing, which was 3/12;/2018.		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived Reviewer Comment (2018-10-30): Received/reviewed Loan estimate dated 03/XX/2018. Document was received and signed by borrower on 03/XX/2018 which is less than the seven day prior to closing requirement. Exception remains. Seller Comment (2018-10-29): LE
1450001531	11/1/2018	2	TRID Loan Estimate Timing	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/03/XX/2018)	Consummation date 3/XX/18. Application date 01/XX/2018. The only LE in the loan file is dated 03/XX/2018.		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/03/XX/2018)	Valuation effective date 2/XX/18 and Report Signature date is 3/XX/18. D0002 Appraisal Deliver Certification reflects Appraisal delivered via email on 2/XX/18.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	1	TRID Servicing Disclosure Timing	File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	Servicing Disclosure was provided to buyer on 3/XX/18; no evidence the disclosure was received within 3 days of application.		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/03/XX/2018)	Title (CPL, Owner's Title Insurance Optional, Search & Exam Seller & Buyer, Settlement Closing Fee, TI Enforcement Fund MP & OP); Tax Judgment Payoff and Title LD Deed Prep Fee not on Final CD.		3/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	2	FNMA 2014 Points and Fees	FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2018) (an overage of $XXX or XXX%).	XXX			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - subject property unacceptable, did not meet FNMA guidelines (> 10 properties financed, LTV in excess of guidelines for a 4 unit Investment). AUS in file does not support approval.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	3	Guideline Issue: Number of properties financed exceeds amount allowed by guidelines.		The Borrower has 12 financed properties; the FNMA guideline allows a maximum of 10 properties financed when the subject transaction involves an investment property. The Borrower was not eligible.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001531	11/1/2018	3	Guideline Issue: Ineligible borrower		The Borrower is ineligible due to the number of properties financed in an Investment property transaction.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001426	11/27/2018	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/02/XX/2017)	Earliest Closing Disclosure is dated 02/XX/2017.		2/XX/2018	Reviewer Comment (2018-11-27): Buyer elected to waive Buyer Comment (2018-11-27): Waived
1450001426	11/27/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/02/XX/2017)	Sellers CD contains title fees and Real Estate Broker Commission that is not reflected on Buyer CD		2/XX/2018	Reviewer Comment (2018-11-28): Buyer waived the exception Buyer Comment (2018-11-27): Waived
1450001426	11/27/2018	3	AUS Findings: Available for Closing discrepancy.	Documented qualifying Assets of ___ is less than AUS Available for Closing of ___.	Confirmed that documentation provided for assets did not support the amount needed for cash to close.			Reviewer Comment (2018-11-27): Buyer elected to waive Buyer Comment (2018-11-27): Waived
1450001426	11/27/2018	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	Confirmed that documentation provided for assets did not support the amount needed for cash to close.			Reviewer Comment (2018-11-27): Buyer elected to waive the exception Buyer Comment (2018-11-27): Waived
1450001426	11/27/2018	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	Documentation did not support sufficient cash to close.			Reviewer Comment (2018-11-27): Buyer elected to waive the exception Buyer Comment (2018-11-27): Waived
1450001426	11/27/2018	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - file does not include documentation indicating borrower employment is on a 'hand shake' basis, confirmed by WVOE in file.			Reviewer Comment (2018-11-27): Buyer elected to waive the exception. Buyer Comment (2018-11-27): Waived
1450001425	12/6/2018	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/09/XX/2018)	Borrower confirmed receipt of appraisal on 6/XX/18, prior to the Appraisal report date of 9/XX/18.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001425	12/6/2018	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.				Reviewer Comment (2018-11-19): Received required documentation. Condition cleared. Seller Comment (2018-11-19): FACTA Disclosure
1450001425	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018)	No amount listed on final CD.		6/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001425	12/6/2018	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD. (Final/06/XX/2018)	Final CD reflected no seller fees.		6/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001425	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,932.50 exceeds tolerance of $783.00. Insufficient or no cure was provided to the borrower. (8304)	No cure provided on file.		6/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001425	12/6/2018	1	The Hazard Insurance Policy effective date is after the Transaction Date.					Reviewer Comment (2018-11-19): Received updated Homeowner's policy. Condition cleared. Seller Comment (2018-11-19): Hazard
1450001425	12/6/2018	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	With the pledged amount from the investment purchase, assets do not meet the reserve requirement.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001425	12/6/2018	2	Due diligence results confirm loan defect provided		The file includes a copy of a closing statement for the purchase of real estate dated 6/XX/18 for a property that was not disclosed on the 1003. Adjustments to the assets based on the purchase (cash) resulted in a shortfall in cash to close and including the negative net rental income resulted in an increase in DTI beyond the AUS approval.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001425	12/6/2018	1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	Unable to locate proof of e-sign consent in the loan file.		6/XX/2019	Reviewer Comment (2018-11-20): Received required documentation. Condition cleared. Seller Comment (2018-11-19): EConsets Reviewer Comment (2018-11-19): Reviewed all updated information provided. E-sign documentation was not included. Exception remains. Buyer Comment (2018-11-19): EConsent
1450001424	11/26/2018	1	Income Docs Missing:	Borrower: XXX	Income documentation required 2 years W2's - file was missing 2016 W2.			Reviewer Comment (2018-11-26): Condition cleared Seller Comment (2018-11-21): 2016 & 2017 tax transcripts
1450001424	11/26/2018	2	Due diligence results confirm loan defect provided		Undisclosed foreclosure on borrower's credit history. Not able to document extenuating circumstances.			Reviewer Comment (2018-12-18): Buyer accepted the exceptions Buyer Comment (2018-12-17): Acknowledged
1450001424	11/26/2018	1	TRID Final Closing Disclosure Prepaid Interest	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed prepaid interest under Prepaids that does not match calculated figures. (Final/06/XX/2018)	The Closing dated Dated 6/XX/2018 reflects incorrect calculations regarding the Prepaid Interest in Section F. The interest collected is $140.64; however, the correct amount is $10.8185 per day for 14 days (6/18-6/30)=$151.46. ------- Final CD reflects interest from 06/XX/2018 through 06/XX/2018, not 07/XX/2018. Condition remains.		6/XX/2019	Reviewer Comment (2018-12-03): Buyer waived exception Buyer Comment (2018-12-03): Waived Reviewer Comment (2018-11-30): The final CD reflects prepaid daily interest of $10.8185/day. Prepaid interest collected as reflected on the final CD is from 06/XX/2018 through 06/XX/2018 which is XX days which would equal the correct amount of $129.82. CD does not reflect interest was collected through 07/XX/2018. Condition remains. Seller Comment (2018-11-29): response from our compliance department Seller Comment (2018-11-21): our system is making the daily interest 13 days per attached screenshot. 06/XX to the first of July is XX days
1450001424	11/26/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018)	The Loan Estimate Dated 5/XX/2018 reflects a Lender Credit of $359.00, the next document is the Closing Disclosure dated 6/XX/2018, reflects a lender credit of $178.20. There is no evidence of a Change of Circumstance lowering the Lender credit from $359.00 to $178.20		6/XX/2019	Reviewer Comment (2018-11-26): Valid COC received. Condition cleared. Seller Comment (2018-11-21): COC provided with CD sent 6/8
1450001424	11/26/2018	1	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-178.20 is less than amount of binding Lender Credit previously disclosed in the amount of $-359.00. (9300)	The Loan Estimate Dated 5/XX/2018 reflects a Lender Credit of $359.00, the next document is the Closing Disclosure dated 6/XX/2018, reflects a lender credit of $178.20. There is no evidence of a Change of Circumstance lowering the Lender credit from $359.00 to $178.20		6/XX/2019	Reviewer Comment (2018-11-26): Valid COC received. Condition cleared. Seller Comment (2018-11-21): coc sent with initial CD
1450001423	12/6/2018	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	Post Disaster Inspection was not provided in the file.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001423	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Loan is not eligible for purchase - High Cost loan with fees of $XXX vs. $XXX allowable (5% of Loan Amount).			Reviewer Comment (2018-12-27): Buyer accepted the exceptions Buyer Comment (2018-12-27): Acknowledged
1450001423	12/6/2018	2	High Cost Indicator Test	Loan does not exceed any high cost thresholds, however, documentation indicating loan was originated as a high cost loan found in file.	High Cost loan with fees of $XXX vs. $XXX allowable (5% of Loan Amount).			Reviewer Comment (2018-12-27): Buyer accepted the exceptions Reviewer Comment (2018-12-27): XXX please advise if you are waiving or accepting this exception? Buyer Comment (2018-12-27): Acknowledged
1450001423	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/07/XX/2017)	No amount was listed on final CD for closing costs exceeding legal limit.		7/XX/2018	Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived Reviewer Comment (2018-12-10): Per review scope, Seller paid fees are to be included in tolerance testing. The survey fee of 250 and the transfer taxes of $874.30 are both paid by seller and are creating the tolerance violations. Referring to buyer for review and disposition. Buyer Comment (2018-12-07): The Survey is under "Services Borrower Can/Did Shop For" so these fees may change as long as the service provider, in this case XXX, does not appear on our Service Provider List, which it does not.
1450001423	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7723)	No cure provided to borrower.		7/XX/2018	Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived Reviewer Comment (2018-12-10): Per review scope, Seller paid fees are to be included in tolerance testing. The survey fee of 250 and the transfer taxes of $874.30 are both paid by seller and are creating the tolerance violations. Referring to buyer for review and disposition. Buyer Comment (2018-12-07): The Survey is under "Services Borrower Can/Did Shop For" so these fees may change as long as the service provider, in this case XXX, does not appear on our Service Provider List, which it does not.
1450001423	12/6/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $874.30 exceeds tolerance of $228.00. Insufficient or no cure was provided to the borrower. (8304)	No cure provided to borrower.		7/XX/2018	Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived Reviewer Comment (2018-12-10): Per review scope, Seller paid fees are to be included in tolerance testing. The survey fee of 250 and the transfer taxes of $874.30 are both paid by seller and are creating the tolerance violations. Referring to buyer for review and disposition. Buyer Comment (2018-12-07): This fee was set up from the beginning to be a seller paid fee as per negotiated in the contract. Since the borrower was not obligated to pay the fee, it was not required to be disclosed on the LE.
1450001422	12/12/2018	2	FNMA 2014 Points and Fees	FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2017) (an overage of $XXX or XXX%).				Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived Reviewer Comment (2018-12-04): Updated from: FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2017). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2017) (an overage of $XXX or XXX%). Seller Comment (2018-12-03): Rate Sheet
1450001422	12/12/2018	1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	The file was missing documentation verifying the borrower's consent to receive electronic documentation.		8/XX/2018	Reviewer Comment (2018-12-03): Received. Cleared. Buyer Comment (2018-12-03): Waived
1450001422	12/12/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2017)	Cure for 0% tolerance violations ($1,358.00) was not provided.		8/XX/2018	Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived Reviewer Comment (2018-12-10): Review scope requires Seller paid fees to be included in tolerance testing. Seller paid transfer tax is creating tolerance violations. Referring to buyer for review and disposition. Buyer Comment (2018-12-07): The MLC fee is under "Services Borrower Did Shop For" so these fees may change as long as the service provider, in this case Stewart Title, does not appear on our Service Provider List, which it does not.
1450001422	12/12/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Municipal Lien Certificate Fee (MLC). Fee Amount of $160.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77208)	Fee was not disclosed on Loan Estimate. No valid changed circumstance is documented and no tolerance cure is provided at closing.		8/XX/2018	Reviewer Comment (2018-12-10): Reviewed updated information. Condition cleared. Buyer Comment (2018-12-07): The MLC fee is under "Services Borrower Did Shop For" so these fees may change as long as the service provider, in this case Stewart Title, does not appear on our Service Provider List, which it does not.
1450001422	12/12/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,925.00 exceeds tolerance of $727.00. Insufficient or no cure was provided to the borrower. (8304)	Fee disclosed as $727.00 on LE dated 07/XX/2017, but disclosed as $1,925.00 on Final Closing Disclosure. No valid changed circumstance is documented and no tolerance cure is provided at closing.		8/XX/2018	Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived Reviewer Comment (2018-12-10): Review scope requires Seller paid fees to be included in tolerance testing. Seller paid transfer tax is creating tolerance violations. Referring to buyer for review and disposition. Buyer Comment (2018-12-07): $1,925 is not the correct amount for the transfer taxes. The transfer taxes that were collected at closing was $693.00. They are less than what was originally disclosed due to a reduction in the sales price of the property.
1450001422	12/12/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape confirmed: Ineligible for agency sale due to mortgage payment history of the borrower over the most recent 12 months (at close). That history (SPS was servicer) was not reported on the credit report and was obtained separately. Borrower was 180+ days DLQ when property was sold in May 2017; proceeds from that sale were used to purchase subject property. Supported by Credit Report dated 7/XX/17 in file.			Reviewer Comment (2018-12-27): Buyer accepted the exceptions Buyer Comment (2018-12-27): Acknowledged
1450001422	12/12/2018	1	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		An updated Mortgagee Clause was not located in the file.			Reviewer Comment (2018-12-17): Received updated policy reflecting correct endorsement. Cleared. Seller Comment (2018-12-14): Updated Mortgagee clause
1450001422	12/12/2018	1	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Initial/08/XX/2017)	No documentation is provided to evidence actual delivery date, thus, default delivery date of 08/XX/2017 must be used for timing requirements. Closing Date: 08/XX/2017		8/XX/2018	Reviewer Comment (2018-12-03): Received. Cleared. Seller Comment (2018-11-30): XXX Disclosure Tracking.pdf
1450001422	12/12/2018	3	Missing Document: Other not provided		Borrower purchased 2 investment properties simultaneously. No documentation regarding the 2nd property is provided to evidence the payment, proposed rental income, or funds to close.			Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived Reviewer Comment (2018-12-10): Referring to buyer for review and disposition. Please review seller's comments regarding the 2nd investment property purchase situation. Buyer Comment (2018-12-07): 2nd investment property was denied by XXX (due to the primary housing payments). Her primary residence in NJ was sold on 5/XX/17. This mortgage was transferred from XXX to XXX in XXX 2016. The borrower tried to get a modification and a reduced payment with XXX. XXX denied her modification request and she then listed the home and sold it instead. It does not appear that she ever made a payment to XXX. The XXX mortgage was not on her credit report. The 1st investment property loan (this one) was already approved when we found out about the XXX mortgage. So, we went ahead and funded it, knowing that it could not go to FN/FH, but declined the 2nd investment property loan.
1450001421	12/6/2018	1	Other Income - Not to be used for qualifying	Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX XXX/Bank Statements)	Bank statement income not permitted under Appendix Q. There are no guidelines provided to indicate if the income is acceptable for the program.			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): This is a Non QM loan - investor guidelines uploaded
1450001421	12/6/2018	1	Other Income - Not to be used for qualifying	Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX XXX/Bank Statements)	Bank statement income not permitted under Appendix Q. There are no guidelines provided to indicate if the income is acceptable for the program.			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): This is a Non QM loan - investor guidelines uploaded
1450001421	12/6/2018	1	Other Income - Not to be used for qualifying	Qualified Mortgage (Dodd-Frank 2014): Income used to qualify borrower(s) not permitted for use under Appendix Q. (XXX XXX/Bank Statements)	Bank statement income not permitted under Appendix Q. There are no guidelines provided to indicate if the income is acceptable for the program.			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): This is a Non QM loan - investor guidelines uploaded
1450001421	12/6/2018	2	Federal HPML 2014 Non Compliant	Federal Higher-Priced Mortgage Loan: APR on subject loan of 7.27890% or Final Disclosure APR of 7.30600% is in excess of allowable threshold of APOR 4.56% + 1.5%, or 6.06000%. Non-Compliant Higher Priced Mortgage Loan.			8/XX/2019	Reviewer Comment (2018-12-14): The buyer has elected to waive this exception Buyer Comment (2018-12-13): Waived Reviewer Comment (2018-12-07): Loan is HPML non compliant due to missing 2nd appraisal on flipped property, XXX has waived that exception therefore this exception is referred to XXX for review and disposition. Buyer Comment (2018-12-05): What can I provide to clear this?
1450001421	12/6/2018	2	TIL HPML Flipped Property (Multiple Appraisals)	TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor did not obtain two (2) written appraisals.	There is an invoice for a 2nd appraisal in the loan file plus there is a charge for a 2nd appraisal on the final Closing Disclosure. A copy of the 2nd appraisal is not located in the file.		8/XX/2019	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001421	12/6/2018	1	General Ability To Repay Provision Employment - Bank Statements	Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (XXX XXX/Bank Statements)	Third party verification of Bank statement income for XXX XXX was not located in file.			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): Third Party Verification of Employment
1450001421	12/6/2018	1	General Ability To Repay Provision Employment - Bank Statements	Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (XXX XXX/Bank Statements)	Third party verification of XXX XXX bank statement income was not located in the file.			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): Third Party Verification of Employment
1450001421	12/6/2018	1	General Ability To Repay Provision Investor Guidelines Not Provided	Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are 52.14229% DTI, XXX%/XXX% LTV/CLTV, 769 Credit Score, Occupancy: Primary, Purpose: Purchase,	Please advise which guidelines are applicable			Reviewer Comment (2018-12-06): Lender guides provided. Unable to choose guidelines on DU task. Seller Comment (2018-12-05): Investor Guidelines
1450001421	12/6/2018	1	NonQM ATR	Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied.	Without program guidelines, it is not possible to determine if Ability to Repay requirements have been satisfied.			Reviewer Comment (2018-12-06): Condition cleared.
1450001421	12/6/2018	1	TRID Loan Estimate Esign Consent Agreement Timing	ESIGN Act - Loan Estimate provided on 06/XX/2018 was electronically provided prior to borrower's consent to receive electronic disclosures. (Initial/06/XX/2018)	Evidence that borrower consented to e-sign on or before 6/XX/18 was not located in file.		8/XX/2019	Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): Econsent was within the appropriate time frame as borrower one consented on 06/XX/2018
1450001421	12/6/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $155.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75104)	A fee was added to the final closing disclosure for appraisal review in the amount of $155.00		8/XX/2019	Reviewer Comment (2018-12-07): Reviewed updated information. Condition cleared. Buyer Comment (2018-12-06): Please advise why this is not being cleared, while the cost to cure was not completed at closing as it was brought to our attention the issue was resolved via a principal reduction on the loan and the closing disclosure was revised to reflect this as well Reviewer Comment (2018-12-06): Under review. Seller Comment (2018-12-05): Please see attached - on the pay history the $155 was applied as a principal reduction
1450001421	12/6/2018	1	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Total debt to income ratio exceeds 43%. Program guidelines are required to determine if loan is eligible.			Reviewer Comment (2018-12-06): Condition cleared. Buyer Comment (2018-12-05): Investor Guidelines
1450001421	12/6/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/08/XX/2018)	Final Closing disclosure does not provide a cure for the $155.00 added appraisal review fee.		8/XX/2019	Reviewer Comment (2018-12-07): Received required documentation and CHD approval. Condition cleared. Buyer Comment (2018-12-06): Please advise why this is not being cleared, while the cost to cure was not completed at closing as it was brought to our attention the issue was resolved via a principal reduction on the loan and the closing disclosure was revised to reflect this as well Reviewer Comment (2018-12-06): Under review. Buyer Comment (2018-12-05): Please see attached - on the pay history the $155 was applied as a principal reduction
1450001421	12/6/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed for Flip without 2nd appraisal. There is an invoice and final CD reflects a charge for 2nd appraisal, but it was not located in the file.			Reviewer Comment (2018-12-27): Buyer accepted the exceptions Buyer Comment (2018-12-27): Acknowledged
1450001421	12/6/2018	1	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Please advise which guidelines are applicable.			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): Investor Guidelines
1450001421	12/6/2018	1	General Ability To Repay Provision Employment - Bank Statements	Ability-to-Repay (Dodd-Frank 2014): Unable to verify current employment status using reasonably reliable third-party records. (XXX XXX/Bank Statements)	Missing 3rd party verification of employment for Bank Statement income.			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): verification of employment
1450001421	12/6/2018	1	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Fail.	Please advise which guidelines are applicable			Reviewer Comment (2018-12-06): Condition cleared. Seller Comment (2018-12-05): investor guidelines
1450001421	12/6/2018	1	Check Loan Designation Match - ATR	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail.	ATR Fail			Reviewer Comment (2018-12-06): Condition cleared.
1450001421	12/6/2018	1	Check Loan Designation Match - ATR Risk	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk.				Reviewer Comment (2018-12-07): Reviewed updated information. Condition cleared. Buyer Comment (2018-12-06): What are you looking for to clear this item - the full program guidelines have already been provided for review on other conditions
1450001421	12/6/2018	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $155.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower. (75104)			8/XX/2019	Reviewer Comment (2018-12-27): Buyer accepted the exceptions Buyer Comment (2018-12-27): Acknowledged Reviewer Comment (2018-12-07): This is not an exception. Just a notation that a sufficient cure was provided to the borrower. Buyer Comment (2018-12-07): Remedy has been provided on this with the $155 principal reduction applied on the payment history and the revised CD delivered to the borrowers - all has been uploaded prior
1450001420	2/5/2019	2	Due diligence results confirm loan defect provided		Based on the payment history in file, there was an Early Payment Default and the Agency required repurchase.			Reviewer Comment (2019-02-05): Buyer accepted the issue Buyer Comment (2019-02-04): Acknowledged
1450001420	2/5/2019	3	Available for Closing is insufficient to cover Cash From Borrower.					Reviewer Comment (2018-12-17): The buyer has elected to waive this exception Buyer Comment (2018-12-16): Waived Reviewer Comment (2018-12-07): Unable to cure at this time. A letter to the borrower explaining the error and evidence of borrower's receipt is required for cure. Seller Comment (2018-12-06): Post Consummate CD
1450001420	2/5/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits		Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing		11/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001420	2/5/2019	1	TRID Home Loan Toolkit Timing		Missing evidence that the borrower was provided the home loan toolkit within 3 business days of application (10/7).		11/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001420	2/5/2019	2	TRID Initial Closing Disclosure Timing without Waiver		The file contains only the final closing disclosure, missing evidence the borrower was provided an initial disclosure at least 3 business days prior to closing		11/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001420	2/5/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided		Ten Percent Fee Tolerance exceeded. Total amount of $184.00 (including release fees paid by the seller) exceeds tolerance of $154.00 plus 10% or $169.40. Insufficient or no cure was provided to the borrower.		11/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001420	2/5/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $105.88 exceeds tolerance of $50.00. Missing proof of valid change, insufficient or no cure was provided to the borrower.		11/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001420	2/5/2019	2	RESPA Affiliated Business Arrangement Disclosure Timing		Affiliated business disclosure is dated and signed 10/XX, however, application was taken by telephone on 10/XX.			Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001420	2/5/2019	1	TRID Loan Estimate Esign Consent Agreement Timing		The only e-consent provided was dated 11/XX/16 and initial disclosures were provided prior to that time.		11/XX/2017	Reviewer Comment (2018-12-06): Buyer has elected to waive this exception. Buyer Comment (2018-12-05): Waived
1450001419	12/27/2018	3	Lead Based Paint Attachment - Attached to Purchase Contract is missing.	Disclosure: FHA - Lead Based Paint Attachment - Attached to Purchase Contract (Government Documents)	Missing Lead Based paint disclosure.			Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Missing Mortgage insurance certificate. Loan is uninsurable due to seasoning on previous FCL (B2).			Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Verified documents in file; lender correspondence confirms reason for Insuring reject.			Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	No additional documentation is required based on DU findings. However since the loan is no longer salable to agency additional income documentation would be required			Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	1	TRID Closing Disclosure Total Closing Costs Exceeds Limits Amount	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Closing Disclosure provided on 06/XX/2017 disclosed a tolerance cure amount that does not match the amount disclosed in the Other Costs table. (Initial/06/XX/2017)	Verified final CD 06/XX/2017.		6/XX/2018	Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	The FHA loan had a foreclosure in 7/XX/2016, seasoning requirements were not met.			Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2017)	The Final CD did not disclose the 10% tolerance violation ($42).		6/XX/2018	Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $122.00 exceeds tolerance of $80.00 plus 10% or $88.00. Insufficient or no cure was provided to the borrower. (0)	There is no evidence of a cure provided to the borrower for the $42 recording fee tolerance violation.		6/XX/2018	Reviewer Comment (2018-12-27): The buyer has elected to waive this exception. Buyer Comment (2018-12-27): Waived
1450001419	12/27/2018	2	Due diligence results confirm loan defect provided		Lender Correspondence in file indicates that the coborrower had a previous foreclosure that was not disclosed in the credit report; CAIVRS indicated a foreclosure, per lender there was not a payout on the claim but FHA rejected insuring based on time since foreclosure.			Reviewer Comment (2018-12-27): Buyer accepted the exceptions Buyer Comment (2018-12-27): Acknowledged
1450001418	12/7/2018	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	Loan Originator Compensation disclosure was not provided			Reviewer Comment (2018-12-07): Buyer has elected to waive this exception. Buyer Comment (2018-12-06): Waived
1450001418	12/7/2018	3	Guideline Requirement: Available for Reserves discrepancy.	Calculated Available for Reserves of ___ is less than Guideline Available for Reserves of ___.	Lender approval required $11,000 reserves. Only $2,152.88 remained after closing - approval indicated required funds of $25838.60, actual funds at closing were $39115.90.			Reviewer Comment (2018-12-07): Buyer has elected to waive this exception. Buyer Comment (2018-12-06): Waived
1450001418	12/7/2018	3	AUS Findings: All conditions were not met		Lender approval required $11,000 reserves. Only $2,152.88 remained after closing - approval indicated required funds of $25838.60, actual funds at closing were $39115.90.			Reviewer Comment (2018-12-07): Buyer has elected to waive this exception. Buyer Comment (2018-12-06): Waived
1450001418	12/7/2018	2	Due diligence results confirm loan defect provided		Lender approval required $11,000 reserves. Only $2,152.88 remained after closing - approval indicated required funds of $25838.60, actual funds at closing were $39115.90.
1450001417	12/20/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Student loan payments total $231 per month and total debt ratio is 42%.			Reviewer Comment (2018-12-20): Buyer accepted exception. Buyer Comment (2018-12-20): Acknowledged
1450001417	12/20/2018	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Student loan payments total $231 per month and total debt ratio is 42.12578%.			Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived
1450001417	12/20/2018	1	North Carolina Rate Spread Threshold Test Compliant	North Carolina Rate Spread Home Loan: APR on subject loan of 5.96340% or Final Disclosure APR of 6.02000% is in excess of allowable threshold of APOR 4.09% + 1.5%, or 5.59000%. Compliant Rate Spread Home Loan.				Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived
1450001417	12/20/2018	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Home Loan Toolkit not provided.		3/XX/2019	Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived
1450001417	12/20/2018	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file. (Final/03/XX/2018)	Seller CD is incomplete (missing page 2).		3/XX/2019	Reviewer Comment (2018-12-12): The buyer has elected to waive this exception. Buyer Comment (2018-12-11): Waived
1450001416	1/9/2019	2	Due diligence results confirm loan defect provided		Defect reason on tape has been confirmed. - Loan not eligible for FHA insurance. Credit report expired 8/XX/2018 and closing date was 8/XX/2018.			Reviewer Comment (2019-01-09): Buyer waived the exception. Reviewer Comment (2018-12-13): Exception is being referred to buyer for review and disposition. Seller Comment (2018-12-12): Expired Credit Report considered when accepted bid - attached LOX - please waive
1450001416	1/9/2019	3	AUS Findings: All conditions were not met		Loan did not close by date in AUS.			Reviewer Comment (2019-01-09): Buyer waived exception. Reviewer Comment (2018-12-13): Exception is being referred to buyer for review and disposition. Seller Comment (2018-12-12): Expired Credit Report considered when accepted bid - attached LOX - please waive
1450001416	1/9/2019	1	Initial HUD Addendum 92900-A is missing.	Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)	Initial document not located.			Reviewer Comment (2018-12-13): Received required documentation. Condition cleared. Seller Comment (2018-12-12): Initial Addendum attached - 6/XX
1450001416	1/9/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Credit report expired at time of closing.			Reviewer Comment (2019-01-09): Buyer waived exception. Reviewer Comment (2018-12-13): Exception is being referred to buyer for review and disposition. Seller Comment (2018-12-12): Expired Credit Report considered when accepted bid - attached LOX - please waive
1450001416	1/9/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Mavent report in file does not reflect Higher Priced based on APOR of 4.61% plus a Margin of 1.15% plus the annual MIP of .85%, or 6.61%. The calculated value was based on APOR of 4.61% plus a margin of 1.5% or 6.11%.			Reviewer Comment (2018-12-13): The buyer has elected to waive this exception. Buyer Comment (2018-12-12): Waived
1450001416	1/9/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Loan file does not contain evidence of borrower's consent to receive electronic disclosures.	Evidence E-Sign Consent Disclosure not provided.		8/XX/2019	Reviewer Comment (2018-12-13): Received required documentation. Condition cleared. Seller Comment (2018-12-12): Econsent form attached
1450001416	1/9/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	No evidence of Home Loan Toolkit being delivered provided.		8/XX/2019	Reviewer Comment (2018-12-13): Received required documentation. Condition cleared. Seller Comment (2018-12-12): Toolkit LOX and Toolkit Attached
1450001415	12/17/2018	1	Missing Document: Rider - Other not provided		The Fixed Interest Rate Rider was not provided in the loan file.			Reviewer Comment (2018-12-17): Rider provided via trailing doc. Condition cleared. Seller Comment (2018-12-14): mortgage with fixed rate rider
1450001415	12/17/2018	2	Due Diligence results do not confirm loan defect provided		Due Diligence results do not confirm loan defect provided. The appraisals in file reflect two different values ($XXX and $XXX) and the lower value was not used in calculating DTI - however, there was not an appraisal or indication of a value of $XXX provided in the loan file.			Reviewer Comment (2019-01-07): Buyer accepted Buyer Comment (2019-01-07): Acknowledged
1450001414	12/19/2018	1	Federal FACTA Disclosure Timing Test	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.				Reviewer Comment (2018-12-19): The buyer has elected to waive this exception. Buyer Comment (2018-12-18): Waived
1450001414	12/19/2018	2	Due Diligence results do not confirm loan defect provided		The appraisal provided indicates that the subject property has 4 units with all four metered. The assessor's office does not recognize the 5th unit as legal-conforming The appraiser addresses the concern of the possible 5th unit, which was being vacated prior to or at origination and the borrower provided an LOX saying she planned to use the space for storage. The appraisal indicated the subject property was legal confirming. The appraiser used comparable sales with four units. Finally, the AUS was based on a 4 unit property. There is no evidence that the loan was considered a 5 unit at origination.			Reviewer Comment (2018-12-19): Buyer accepted the exceptions Buyer Comment (2018-12-18): Acknowledged
1450001413	12/31/2018	3	FHA - Amendatory Clause is not compliant.	Disclosure: FHA - Amendatory Clause (Government Documents)	Document is missing all signatures.			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	3	FHA - Real Estate Certification is not compliant.	Disclosure: FHA - Real Estate Certification (Government Documents)	Document is missing all signatures.			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 06/XX/2018 received on or after the date the Closing Disclosure 7/XX/2018 12:00:00 AM was received. (Interim/06/XX/2018)	There is no confirmation of when the borrower received the Loan Estimate in the file.		7/XX/2019	Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	1	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 06/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/06/XX/2018)	There is no confirmation of when the borrower received the Loan Estimate in the file.		7/XX/2019	Reviewer Comment (2019-01-09): Received evidence of borrower's receipt of final LE. Condition cleared. Seller Comment (2019-01-09): LE E-Delivery Receipt
1450001413	12/31/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA. Please advise which guidelines are applicable			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan is no longer FHA eligible - please advise which guidelines are applicable			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Confirmed loan closed with invalid credit score due to being pulled with incorrect social security number. Social security number differs from W-2 to Credit Report and 1003.			Reviewer Comment (2018-12-31): Buyer accepted the exceptions Buyer Comment (2018-12-28): Acknowledged
1450001413	12/31/2018	3	Case # Assignment does not indicate "All borrowers passed SSN validation".					Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Loan was not endorsed / insured. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	3	FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.	Disclosure: FHA - Final HUD Addendum to the Loan Application 92900-A (Government Documents)	Page 3 of the document is not signed.			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001413	12/31/2018	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt.		7/XX/2019	Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	3	Missing Document: General Services Administration (GSA) not provided		Evidence of LDP/GSA was not found in the loan file			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	3	Missing Document: Limited Denials of Participation (LDP) not provided		Evidence of LDP/GSA was not found in the loan file			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.	Total Sellers Fees list on Sellers Closing Disclosure did not reflect Home Warranty fee of $420.00			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Home Loan Toolkit was not found in the loan file		6/XX/2019	Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	Disclosure: FHA - Informed Choice Disclosure (Government Documents)	FHA- Informed Choice Disclosure was signed at closing			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)	FHA- Important Notice to Homebuyer was signed at closing			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	1	Public Record Issue:	Credit Report: Original // Public Record Type: Collections / Balance: 238.00	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed for Loan originated by non-FHA approved originator. Test case loan that could not be completed by originator. Loan Originator, XXX was approved as a loan originator for the Lender and in the state of MO since 8/XX/2017. There is no data available to determine if he was approved to specifically originate FHA mortgages.			Reviewer Comment (2018-12-31): Buyer accepted the exceptions Buyer Comment (2018-12-28): Acknowledged
1450001412	12/31/2018	3	Initial HUD Addendum 92900-A is missing.	Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)				Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001412	12/31/2018	1	Public Record Issue:	Credit Report: Original // Public Record Type: Collections / Balance: 238.00	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001411	12/31/2018	2	Due diligence results confirm loan defect provided		A 3rd unit adjacent to the garage is renting for $1,100 per month however is not included due to being an unpermitted living space and is defined as an ADU or Accessory Dwelling Unit by XXXk. FNMA Selling Guide does not allow accessory units on 2-4 unit properties, only on single family owner occupied properties.			Reviewer Comment (2018-12-31): Buyer accepted the exceptions Buyer Comment (2018-12-28): Acknowledged
1450001411	12/31/2018	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001411	12/31/2018	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Loan is no longer agency eligible - please advise which guidelines are applicable. (Income from a non-permitted ADU).			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-28): Waived
1450001410	12/24/2018	3	Missing Document: Approval not provided					Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001410	12/24/2018	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.				Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001410	12/24/2018	2	RESPA 2010 GFE Status	RESPA: Initial GFE not provided to Borrower(s).	Page one is provided.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001410	12/24/2018	2	Washington Itemized Disclosure 2012	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower.				Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001410	12/24/2018	1	Initial GFE not provided		Only page one is provided.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	Due diligence results confirm loan defect provided					Reviewer Comment (2018-12-24): Buyer accepted the exceptions Buyer Comment (2018-12-24): Acknowledged
1450001409	12/24/2018	1	RESPA 2010 - GFE vs HUD 10 Percent Fees	RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.				Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	RESPA 2010 Estimate Available Through Date	RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.				Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	1	Note is not on a FNMA/FHLMC form and does not contain the standard Due on Sale clause.					Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:Primary/07/XX/2014)	Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	RESPA 2010 GFE Provided Date	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.				Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	TIL-MDIA 2009 Early TIL Disclosure Sent	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.			7/XX/2015	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	ARM Disclosure Timing	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.			7/XX/2015	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	CHARM Booklet Disclosure Timing	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.			7/XX/2015	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	1	Right To Receive Appraisal Disclosure Timing 2014 ECOA	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.	Right to Receive Copy of appraisal was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	RESPA HUD Settlement Book Timing	RESPA Disclosure Rule: HUD Settlement Cost Booklet not provided to applicant within three (3) business days of application.	HUD Settlement Cost Booklet was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	1	RESPA Servicing Disclosure Timing 2014	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.	Servicing Disclosure Statement was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	List of Homeownership Counseling Organizations was provided to borrower on 6/XX/14 which is not within 3 business days of application date of 06/XX/14.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	2	Washington Itemized Disclosure 2012 Timing	Washington HB 2770: Mortgage loan file does not contain a disclosure summary of all material terms provided to borrower within three (3) business days of receipt of the loan application.	Washington HB 2770 was not provided to borrowers.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	3	Guideline Issue:Insufficient asset documentation.	Financial Institution: XXX / End Date: 06/XX/2014 // Account Type: Checking / Account Number: XXX	XXX account was not verified with 2 consecutive months as required per AUS.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001409	12/24/2018	3	Guideline Issue:Insufficient asset documentation.	Financial Institution: XXX / End Date: 06/XX/2014 // Account Type: Savings / Account Number: XXX	XXX account was not verified with 2 consecutive months as required per AUS.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001408	1/9/2019	1	Missing Document: Power of Attorney (POA) not provided		Borrower's closing documents signed by power of attorney.			Reviewer Comment (2019-01-09): Received POA. Condition cleared. Seller Comment (2019-01-09): Attached Reviewer Comment (2019-01-09): POA documentation was not provided in trailing documents. Condition remains. Buyer Comment (2019-01-08): Attached
1450001408	1/9/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: FInal Closing Documents signed by Power of Attorney on behalf of borrower and a copy of a valid POA was not provided. FNMA guidelines do not allow POA for the transaction. Borrower exceeds FNMA guidelines for number of properties owned/financed and incomplete documentation was provided.			Reviewer Comment (2019-01-08): Buyer accepted the exceptions Buyer Comment (2019-01-07): Acknowledged
1450001408	1/9/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Unable to confirm income used by lender based on documents provided in the file. Missing YTD P&L for 2017.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001408	1/9/2019	3	AUS Findings: All conditions were not met		Missing evidence of mortgage statements, verification of taxes and verification of insurance for all investment properties with the exception of the subject property. Missing evidence of mortgage statements, verification of taxes and verification of insurance for borrowers' primary residence. Missing P&L statement through 12/XX/2017 for 1120S. Unable to determine number of financed properties due to missing documentation. Unable to accurately determine debt ratios due to missing documentation.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001408	1/9/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Missing evidence of mortgage statements, verification of taxes and verification of insurance for all investment properties with the exception of the subject property. Missing evidence of mortgage statements, verification of taxes and verification of insurance for borrowers' primary residence. Missing P&L statement through 12/XX/2017 for 1120S			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001408	1/9/2019	3	Income Docs Missing:	Borrower: XXX ___	The file does not include a YTD P&L statement for the borrower's self employed business and more than 1 quarter has elapsed since the last tax returns were due.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001408	1/9/2019	1	No evidence of fraud report in file	Credit Report: Original // Borrower: XXX, Credit Report: Original // Borrower: XXX				Reviewer Comment (2019-01-09): Received fraud report. Condition cleared. Seller Comment (2019-01-08): Attached
1450001408	1/9/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-01-09): Received fraud report. Condition cleared. Seller Comment (2019-01-08): Attached
1450001407	1/8/2019	2	Due diligence results confirm loan defect provided		The defect reasons provided on the tape have been confirmed: Borrower exceed the maximum number of properties allowed. Transaction was closed using a Power of Attorney, which was not provided in the file and is not acceptable to the agency.			Reviewer Comment (2019-01-08): Buyer accepted the exceptions Buyer Comment (2019-01-07): Acknowledged
1450001407	1/8/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. Insufficient documentation; file does not include YTD P&L and more than one quarter has elapsed since the most recent tax filing.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001407	1/8/2019	1	Missing Document: Power of Attorney (POA) not provided		Power of Attorney document was not provided in the loan file.			Reviewer Comment (2019-01-09): Received POA. Condition cleared. Seller Comment (2019-01-09): Attached
1450001407	1/8/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Insufficient documentation to support lender's use of higher income; file does not include YTD P&L and more than one quarter has elapsed since the most recent tax filing. Use of 2 and 3 year average results in lower income.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001407	1/8/2019	3	Income Docs Missing:	Borrower: XXX ___	File does not include YTD P&L and more than one quarter has elapsed since the most recent tax filing.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	Missing Document: Verification of Non-US Citizen Status not provided					Reviewer Comment (2019-01-09): Received resident alien cards. Condition cleared. Seller Comment (2019-01-08): Attached
1450001406	1/8/2019	1	Missing Document: Tax Certificate not provided		Tax certificate or preliminary title was not provided - unable to confirm accuracy of property taxes used for DTI.			Reviewer Comment (2019-01-09): Received prelim title. Cleared. Seller Comment (2019-01-08): Attached
1450001406	1/8/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Partially financed UFMIP out of compliance with FHA guidelines.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	AUS Findings: All conditions were not met		The loan is no longer eligible for sale to FHA; please advise which guidelines should be used to evaluate the loan.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	The loan is no longer eligible for sale to FHA; please advise which guidelines should be used to evaluate the loan.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	1003 Error: Citizenship Source Documentation was not provided	Borrower: XXX, Borrower: XXX	Missing source documentation evidencing borrower and co-borrowers' citizenship.			Reviewer Comment (2019-01-09): Received resident alien cards. Condition cleared. Seller Comment (2019-01-08): Attached
1450001406	1/8/2019	1	Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.	Borrower: XXX, Borrower: XXX	Missing source documentation evidencing borrower and co-borrowers' citizenship.			Reviewer Comment (2019-01-09): Received resident alien cards. Condition cleared. Seller Comment (2019-01-08): Attached
1450001406	1/8/2019	3	Initial HUD Addendum 92900-A is missing.	Disclosure: FHA - Initial HUD Addendum to the Loan Application 92900-A (Government Documents)				Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	Income Docs Missing:	Borrower: XXX, Borrower: XXX ___ ___	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)				Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	Disclosure: FHA - Informed Choice Disclosure (Government Documents)	Unable to locate in the file.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/05/XX/2016)	Unable to locate in the file.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	Unable to locate in the file.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.				Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	QM Employment History - Current Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. (XXX/2049028)	Missing documentation evidencing full two year employment history for borrower and missing evidence of borrower and co-borrower's self-employment.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	TRID Appraisal Disclosure - ECOA Status	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.	Missing evidence of disclosure.		6/XX/2017	Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Unable to determine loan designation from documents in the file.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	TRID Servicing Disclosure Status	File does not evidence the consumer was provided with the Servicing Disclosure.	Missing evidence of disclosure.		6/XX/2017	Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Missing evidence of disclosure.		6/XX/2017	Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/06/XX/2016)	Missing evidence CD was provided less than 6 days (5/XX/16) prior to closing and was not received at least 3 days (6/XX/16) prior to closing.		6/XX/2017	Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	2	TRID Loan Estimate Status	TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,762.33 may be required.	Missing evidence of initial Loan Estimate disclosure.		6/XX/2017	Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001406	1/8/2019	2	Due Diligence results do not confirm loan defect provided		Unable to confirm that the MIP was partially financed from the documents in the file.			Reviewer Comment (2019-01-08): The buyer has elected to waive this exception. Buyer Comment (2019-01-07): Waived
1450001399	12/24/2018	2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided Exception Information: Defect reason provided on tape has been confirmed (with defect reason)- Loan not eligible for FHA insurance. Defect showing on AUS for proposed Monthly Payment 'Second P&I" payment; Finial & Initial 1003 for Proposed Other Financing (P&I); FHA- 92900 LT; Finial Title Commitment for second lien; HOI Policy for 2nd mortgage clause; Appraiser effective date 9/XX/18 is expired before loan was insured.			Reviewer Comment (2018-12-24): Buyer accepted the exceptions Buyer Comment (2018-12-24): Acknowledged
1450001399	12/24/2018	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Based on Defect reason loan is not insured.			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001399	12/24/2018	1	Assets Error: Statement end date is blank.		EMD $500 not provided & not verified			Reviewer Comment (2019-01-18): Received evidence of borrower's EMD. Condition cleared. Seller Comment (2019-01-17): EMD pages 6-7
1450001399	12/24/2018	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Due to defect reason loan is not longer agency salabel			Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001399	12/24/2018	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 10/XX/2018 disclosed a Closing Date that did not match the actual date of consummation. (Final/10/XX/2018)	Closing Date on Final CD is 10/XX/2018 however actual Closing Date and date Final CD signed is 10/XX/2018		10/XX/2019	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001399	12/24/2018	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $4,109.49 on Final Closing Disclosure provided on 10/XX/2018 not accurate. (Final/10/XX/2018)	CD Payment Stream indicates Mortgage Insurance is escrowed however MI is not shown under Sch G. Initial Escrow Payment at Closing		10/XX/2019	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001399	12/24/2018	2	TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan. (Final/10/XX/2018)	CD Payment Stream indicates Mortgage Insurance is escrowed however MI is not shown under Sch G. Initial Escrow Payment at Closing		10/XX/2019	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001399	12/24/2018	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2018)	Amount listed is sufficient - additional fees paid on Seller CD being included in violation calculation		10/XX/2019	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001399	12/24/2018	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $850.00 exceeds tolerance of $800.00. Insufficient or no cure was provided to the borrower. (7506)	Cure provided on Final Closing Disclosure		10/XX/2019	Reviewer Comment (2018-12-27): Confirmed that a cure was provided on the final Closing Disclosure.
1450001399	12/24/2018	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7517)	Cure provided on Final Closing Disclosure		10/XX/2019	Reviewer Comment (2018-12-28): Curee provided at closing.
1450001399	12/24/2018	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,145.00 exceeds tolerance of $275.00 plus 10% or $302.50. Insufficient or no cure was provided to the borrower. (0)	Inaccurate calculation including Seller paid fees		10/XX/2019	Reviewer Comment (2018-12-24): The buyer has elected to waive this exception. Buyer Comment (2018-12-24): Waived
1450001398	12/31/2018	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Loan closed with a POA. Fannie does allow this if the POA is recorded with the security instrument per FNMA guidelines.			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-30): Waived
1450001397	12/31/2018	2	Due diligence results confirm loan defect provided		Loan closed with two accounts delinquent at closing. Agency requires they be brought current. No prior late payments reporting on any tradelines, which suggests the late payments we encountered are anomalies. Loan closed with a credit report that was a few days expired.			Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-30): Waived
1450001397	12/31/2018	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.				Reviewer Comment (2018-12-31): The buyer has elected to waive this exception. Buyer Comment (2018-12-30): Waived
1450000818	1/31/2019	1	Title Error: Title vesting does not concur with deed		Security instrument shows borrower's spouse; title shows sole ownership.			Buyer Comment (2019-01-31): Cleared Reviewer Comment (2019-01-31): Reviewed updated information. Condition cleared. Reviewer Comment (2019-01-31): No trailing documents were provided. Buyer Comment (2019-01-30): Trailing Documents
1450000818	1/31/2019	3	AUS Findings: All conditions were not met		Missing 2017 W2 or WVOE for current job as required by DU findings; neither was in file.			Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000818	1/31/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Missing 2017 W2 or WVOE for current job as required by DU findings.			Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000818	1/31/2019	3	Income Docs Missing:	Borrower: XXX ___	Missing 2017 W2 or WVOE for current job as required by DU findings.			Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000818	1/31/2019	3	Guideline Issue:Insufficient asset documentation.	Financial Institution: XXX / End Date: 07/XX/2018 // Account Type: Checking / Account Number: XXX	Per DU statements covering a two month period were required - only found one month in file. Page 309 is a printout for this account but doesn't show any balances.			Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000818	1/31/2019	1	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1		Lender used $511/mo to qualify on taxes and the taxes on the CD show as $58.80/mo.		9/XX/2019	Reviewer Comment (2019-02-04): The tax cert in the file matches the amount disclosed on the CD and indicates that only the land is being assessed at this point in time. As the higher amount for approval appears to be an estimate, we can clear the exception with the information that the seller provided. Per CHD. Seller Comment (2019-01-31): TRID Calculations
1450000818	1/31/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info		Missing complete verification of two years of employment history			Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000818	1/31/2019	2	Due diligence results confirm loan defect provided		Final CD dated 9/XX/2018 was signed on 9/XX/2018 after note date and signed on the Addendum not page 5. In addition missing income documentation that the DU approval requires.			Reviewer Comment (2019-01-18): Buyer accepted the exceptions Buyer Comment (2019-01-18): Acknowledged
1450000817	1/18/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed (with defect reason): Due diligience results confirm loan defect provided. Loan was originally suspended by the investor because the borrower added the word "trustee" to his signature on the Note, which negates the verbiage that he was also signing individually. Unable to sell loan.			Reviewer Comment (2019-01-18): Buyer accepted the exceptions Buyer Comment (2019-01-18): Acknowledged
1450000817	1/18/2019	1	TRID Closing Disclosure Lump Sum Allocation					Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000817	1/18/2019	1	TRID Final Closing Disclosure Closing Date		Final disclosure reflects a closing date of 09/XX/2018, was executed by the borrower on 09/XX/2018, file contains a post closing disclosure with the accurate closing/funding date		9/XX/2019	Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000817	1/18/2019	1	TRID Final Closing Disclosure Negative Fees		Section H of the final disclosure reflects a negative fee of $40.00 for Title-Owner's Title Insurance		9/XX/2019	Reviewer Comment (2019-01-18): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000817	1/18/2019	1	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1		Final disclosure reflects a total estimate of non escrowed costs over year 1 of $2,813.47, calculated total is $3,069.24.		9/XX/2019	Reviewer Comment (2019-02-04): Condition cleared. Per CHD Seller Comment (2019-01-31): TRID Calculation
1450000816	1/22/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000816	1/22/2019	3	Retirement Documentation		Missing the award letter.			Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000816	1/22/2019	3	HUD QM AU Finding Fail		Missing Award Letter for retirement income.			Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000816	1/22/2019	1	TRID Final Closing Disclosure Closing Date		Final CD disclosed a closing date of 7/XX/17. Consummation date is 7/XX/17.		7/XX/2018	Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000816	1/22/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits		Cure for lender credit of $245.47 was not provided.		7/XX/2018	Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000816	1/22/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Fee disclosed as $3378.00 on LE dated 03/XX/2017, but disclosed as $3377.50 on Final Closing Disclosure.		7/XX/2018	Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000816	1/22/2019	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	Valuation Type: Appraisal / Valuation Report Date: 07/XX/2017				Reviewer Comment (2019-02-01): Received completion cert. Cleared. Seller Comment (2019-01-31): final inspectiom
1450000816	1/22/2019	3	Check Loan Designation Match - QM		Missing income documentation for Pension.			Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000816	1/22/2019	2	Due Diligence results do not confirm loan defect provided		Per the occupancy cert borrower will occupy - was previously occupied with XXXC however how has receiving Pension income.			Reviewer Comment (2019-01-22): Buyer accepted the exceptions Buyer Comment (2019-01-18): Acknowledged
1450000815	1/22/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-01-22): The buyer has elected to waive this exception. Buyer Comment (2019-01-18): Waived
1450000815	1/22/2019	2	Due diligence results confirm loan defect provided		There is no Foreclosure on credit report and no public record.			Reviewer Comment (2019-01-22): Buyer accepted the exceptions Buyer Comment (2019-01-18): Acknowledged
1450000815	1/22/2019	3	Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.	Borrower: XXX	Missing VISA to go with form I-797 non -immigrant worker.			Reviewer Comment (2019-02-08): The buyer has elected to waive this exception. Buyer Comment (2019-02-07): Waived Reviewer Comment (2019-02-01): Document provided (I-797A) indicates a visa was provided. Referring this issue to XXX for review and disposition. Buyer Comment (2019-01-31): 1-797 used to document residency H1B for the approval of the loan
1450000814	1/24/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	A Catastrophic Disaster Area Property Inspection Report dated 8/XX/2016 was provided.			Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000814	1/24/2019	3	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster.	Disaster Name: ___ Disaster Declaration Date: ___	Based on the PDI dated 8/XX/16 in file, the appraiser did an exterior only inspection but observed that there was likely Major to Moderate damage based on neighborhood observations of post flood clean out activity.			Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000813	1/24/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2016)	Cure for various 0% and 10% tolerance violations was not provided.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000813	1/24/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $281.00 plus 10% or $309.10. Insufficient or no cure was provided to the borrower. (0)	$65.90 violation due to increase in recording fees. No evidence of cure.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000813	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $435.00 exceeds tolerance of $430.00. Insufficient or no cure was provided to the borrower. (7506)	Fee disclosed as $430 on LE dated 08/XX/18, but disclosed as $435 on Final Closing Disclosure. A cure was not provided at closing and a Post Consummation CD was not provided.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000813	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,296.48 exceeds tolerance of $1,431.00. Insufficient or no cure was provided to the borrower. (8304)	Erroneous Reg ID 3060. This fee was seller paid, and is customarily paid by Seller in the state of NY.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	1	Texas Cash-out Extension of Credit Disclosure	Texas Constitution Section 50(a)(6): Borrower did not receive Notice Concerning Extensions of Credit.	There was no documentation to confirm Borrower received the Notice Concerning Extensions of Credit.			Reviewer Comment (2019-01-24): Received required documentation. Condition cleared. Seller Comment (2019-01-23): see attached document
1450000812	1/24/2019	1	Texas Cash-out Spousal Written Consent	Texas Constitution Section 50(a)(6): Lien was created without consent of all owners and owner's spouse(s).	There was no separate document found with Spousal Written Consent, however, she did sign closing documents.			Reviewer Comment (2019-01-24): Received required documentation. Condition cleared. Seller Comment (2019-01-23): see attached
1450000812	1/24/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/11/XX/2016)	There was a fee tolerance violation without a valid changed circumstance or cure. The final closing disclosure did not disclose a dollar amount by which the total closing costs exceed the legal limit.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,253.75 exceeds tolerance of $1,253.00. Insufficient or no cure was provided to the borrower. (7567)	The Title - Lender's Title Insurance fee increased without a valid change of circumstance or sufficient cure.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	1	TRID Loan Estimate Esign Consent Agreement Timing	ESIGN Act - Loan Estimate provided on 08/XX/2016 was electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to $3,390.33. (Initial/08/XX/2016)	Disclosure summary provided in file indicates online delivery of loan estimates prior to 9/XX/16, the date the e-consent option was accepted.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $158.13 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $499.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $525.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $10.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $3.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75228)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $10.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7531)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $455.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7561)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000812	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $60.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580)	Initial LE sent prior to e-sign consent, cannot be used to rebaseline fees for tolerance purposes.		11/XX/2017	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	3	The transaction closed as a refinance of a primary residence, and the valuation reflects that the subject property is vacant. Unable to verify occupancy.	Valuation Type: Appraisal / Valuation Report Date: 01/XX/2017				Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	3	Aged document: Asset Account date is more than 90 days prior to the note.	Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Checking / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 10/XX/2016 // Account Type: Money Markets / Account Number: XXX Asset Account Date: ___ Asset Account Date: ___ Asset Account Date: ___ Asset Account Date: ___ Asset Account Date: ___ Asset Account Date: ___ Asset Account Date: ___ Asset Account Date: ___	The most recent statements provided were dated 10/XX/16, more than 90 days prior tot he Note date of 2/XX/17; updated statements should have been provided.			Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.				Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.				Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 01/XX/2017 received on or after the date the Closing Disclosure 2/XX/2017 12:00:00 AM was received. (Interim/01/XX/2017)			2/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/02/XX/2017)	Cure for appraisal of $739.73 was not provided.		2/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 01/XX/2017 not received by borrower at least four (4) business days prior to closing. (Interim/01/XX/2017)	LE on 1/XX/2017 not received by borrower at least four (4) business days prior to closing.		2/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $739.73 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506)	Fee was not disclosed on the LE.		2/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000811	1/24/2019	1	Missing Document: Missing Lender's Initial 1003					Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000810	1/24/2019	1	Texas Cash-out Itemized Disclosure Status Test	Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.				Reviewer Comment (2019-01-24): Received required documentation. Condition cleared. Seller Comment (2019-01-23): See attached
1450000809	1/24/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Survey Fee. Fee Amount of $860.59 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77187)	The most recent LE reflects Survey fee of $0; the Final CD reflects $860.59. Missing proof of valid change of circumstance and no cure was provided to the borrower.		6/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000809	1/24/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2017)	Final Closing Disclosure provided on 05/XX/2017 did not disclose an amount by which the Total Closing Costs exceeded the legal limit for the Survey fee of $860.59.		6/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000809	1/24/2019	1	Texas Cash-out Itemized Disclosure Status Test	Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.	Texas Cash-out Itemized Disclosure not provided.			Reviewer Comment (2019-01-24): Received required documentation. Condition cleared. Seller Comment (2019-01-23): See attached
1450000809	1/24/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/03/XX/2017)	There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation.			Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000808	1/24/2019	1	Missing Document: Hazard Insurance Policy not provided		Missing Homeowners Insurance Policy.			Reviewer Comment (2019-01-24): Received updated homeowner's policy. Condition cleared. Seller Comment (2019-01-23): 1/23: please see the attachment.
1450000808	1/24/2019	1	Texas Cash-out Application Provided to Borrower Test	Texas Constitution Section 50(a)(6): Texas Cash-out Loan. Borrower was not provided copy of Application 1 day prior to closing.	Evidence of delivery was not provided in the loan file.			Reviewer Comment (2019-01-24): Received required documentation. Condition cleared. Seller Comment (2019-01-23): 1/23: Please see the attachment.
1450000808	1/24/2019	1	Texas Cash-out Borrower Received Copies Of All Documents	Texas Constitution Section 50(a)(6): Texas Cash-out Loan. No evidence that borrower(s) received copies of all documents signed at time of closing.	Evidence of delivery was not provided in the loan file.			Reviewer Comment (2019-01-24): Received required documentation. Condition cleared. Seller Comment (2019-01-23): 1/23: Please see the attachment.
1450000808	1/24/2019	3	Texas Cash-out Unable to Determine Closing Location	Texas Constitution Section 50(a)(6): Unable to determine if loan was closed an an authorized location due to missing documentation.	Evidence of signing location was not provided in the loan file.			Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000808	1/24/2019	2	TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) (Interim/05/XX/2018)	Evidence of receipt is not in the loan file.		5/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000808	1/24/2019	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 05/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/05/XX/2018)	Evidence of receipt is not in the loan file.		5/XX/2018	Reviewer Comment (2019-01-24): The buyer has elected to waive this exception. Buyer Comment (2019-01-23): Waived
1450000808	1/24/2019	1	Texas Cash-out Itemized Disclosure Status Test	Texas Constitution Section 50(a)(6): Final Itemized disclosure of fees, points, costs and charges not provided to borrower.	Evidence of receipt is not in the loan file.			Reviewer Comment (2019-01-24): Received required documentation. Condition cleared. Buyer Comment (2019-01-23): 1/23: Please see the attachment.
1450000807	1/28/2019	3	AUS Findings: All conditions were not met		The AUS required W2s covering the most recent 2 year period for the co borrower. The loan file only contained one year W2 for the co borrower. Loan file missing 2015 W2s. The loan file is missing lease agreements for properties 3-6.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000807	1/28/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	The loan file is missing 2015 W2 for for the co borrower and VVOE for the last 2 years employment.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000807	1/28/2019	3	Income Docs Missing:	Borrower: XXX ___	The loan file is missing the VVOE and W2 for the co borrower's prior employment.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000807	1/28/2019	3	Guideline Issue:Insufficient asset documentation.	Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Savings / Account Number: XXX, Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Checking / Account Number: XXX	The AUS required the assets be verified with a verification of deposit or 2 months bank statements. Loan file missing 2 months bank statements for accounts ending XXX, XXX, and XXX.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000807	1/28/2019	3	Aged document: Asset Account date is more than 90 days prior to the note.	Financial Institution: XXXt / End Date: 06/XX/2017 // Account Type: Individual Development Account / Account Number: XXX Asset Account Date: ___	Asset documentation for account ending XXX is more than 120 days old at the time of the Note date. Need updated account statement.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000807	1/28/2019	3	Guideline Issue:Insufficient asset documentation.	Financial Institution: XXX / End Date: 08/XX/2017 // Account Type: Stocks/Bonds / Account Number: XXX	Per the AUS DU, asset statements must cover a two month period.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000806	2/5/2019	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		$XXX shortfall. Lender insured the loan amount, however the replacement cost is $XXX (x 80% = $XXX - $XXX = $XXX shortfall). The document provided is a quote for insurance, indicates loss of rents coverage and does not identify a loss payee. Provide a declarations page with minimum coverage of $XXX or, if for a lesser amount, a reconstruction cost estimate that supports the amount of insurance with no shortfall and identifies loss payee with the "Lender its successors and assigns" verbiage. There can be no indication the policy is for an investment property.			Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived Reviewer Comment (2019-01-30): Received/reviewed updated information. File would need either a letter from the insurer stating their maximum coverage permitted or a replacement cost estimator from the insurer. Condition remains. Seller Comment (2019-01-29): 1/29: We have spoken to the insurance agent who confirmed that the policy covers up to the replacement cost of the home, estimated at $XXX based on the most recent policy attached. The subject property is the only home our clients owns, so we do not consider occupancy an issue with regard to the homeowners 'loss of rents' coverage. We have also updated the Loss payee to include QL ISAOA.
1450000806	2/5/2019	1	Income Docs Missing:	Borrower: XXX	The "proof of current receipt" of the dependent SSI benefits was not provided to confirm benefits were being actively received.			Reviewer Comment (2019-01-29): Received recent bank stmt. Condition cleared. Seller Comment (2019-01-28): 1/28: please see the attached bank statement showing the deposits of $955 and $386 matching the SSI amounts. At the top of the statement, the client's name is shown as owner of the account.
1450000806	2/5/2019	3	AUS Findings: All conditions were not met		File did not include required proof of receipt of SSI dependent income.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000806	2/5/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	File did not include required proof of receipt of SSI dependent income. Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000806	2/5/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio		Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000806	2/5/2019	3	Check Loan Designation Match - QM		Loan file was missing documents required to prove receipt of SSI dependent income and odes not meet QM requirements. .Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000806	2/5/2019	3	QM DTI		Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	Missing evidence of any Post Disaster Inspection.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	Missing evidence borrower was provided a copy of the LO Compensation Disclosure at time of application.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2017)	The amount of 0% and 10% tolerance violations was not disclosed on the Final CD.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $142.70 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0)	The Initial LE was sent electronically on 8/XX/17, and the e-consent was not provided until 8/XX/17; LE cannot be use to set baseline. Ten percent fee violation of $25.00.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $650.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77136)	The Processing Fee of $650.00 was not disclosed on the Initial LE and there was no valid COC.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Property Tax Status Research Fee. Fee Amount of $70.85 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (77235)	The Property Tax Status Research Fee of $70.85 was not disclosed on the Initial LE and there was no valid COC.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $3,892.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	There was no VCC for the increase in the Transfer Tax by $3,127.00, from $765.00 to $3,892.00. Exception fired due to addition of seller paid fees. Referred to buyer for final review and disposition		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	Additional gift of $133,025 was not documented as received by the borrower nor was it reflected on the final CD as being paid direct to escrow.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	3	AUS Findings: Available for Closing discrepancy.	Documented qualifying Assets of ___ is less than AUS Available for Closing of ___.	Additional gift of $133,025 was not documented as received by the borrower nor was it reflected on the final CD as being paid direct to escrow.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	Additional gift of $133,025 was not documented as received by the borrower nor was it reflected on the final CD as being paid direct to escrow.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	1	TRID Servicing Disclosure Status	File does not evidence the consumer was provided with the Servicing Disclosure.	Missing evidence borrower was provided the Servicing Disclosure.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	1	TRID Loan Estimate Esign Consent Agreement Timing	ESIGN Act - Loan Estimate provided on 08/XX/2017 was electronically provided prior to borrower's consent to receive electronic disclosures. Disclosure will not be used to rebaseline for tolerance purposes and may result in disclosure timing violations. Initial LE sent electronically prior to esign consent may result in a fee tolerance violation of up to $5,975.37. (Initial/08/XX/2017)	The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $592.32 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196)	The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $540.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506)	The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certification Fee. Fee Amount of $18.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (75175)	The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Initial Fee). Fee Amount of $10.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7531)	The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579)	The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000805	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $54.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580)	The Initial LE was made available online "pending e-consent" on 8/XX/17, and e-consent was not provided until 8/XX/17. The disclosure may not be used to rebaseline for tolerance purposes.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000803	1/28/2019	2	TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 5,122.56 on Final Closing Disclosure provided on 10/XX/2017 not accurate. (Final/10/XX/2017)	Per tax bill, the annual taxes for the subject is $1,799.91 and the annual HOI premium is $3,106.35 totaling $4,906.26 vs. $5,122.56 reflected on the final CD.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000803	1/28/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/10/XX/2017)	Per final CD, the calculated finance charge was $219.68 over disclosed.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000803	1/28/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/10/XX/2017)	Final CD did not reflect any amount by which the total closing costs exceeded the legal limit.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000803	1/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $29.85 exceeds tolerance of $11.00. Insufficient or no cure was provided to the borrower. (7520)	Lender provided a credit of $500 on the final CD.		10/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000802	1/28/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). Anti-predatory lending points and fees testing are not impacted.	The CD shows a lump sum seller credit and an itemization was not provided.			Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000802	1/28/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/11/XX/2017)	The CD reported 77.097% and the calculated TIP was 77.109%, due to a minor over disclosure of finance charges ($6.89)		11/XX/2018	Reviewer Comment (2019-01-28): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000801	1/29/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/06/XX/2018)	CD does not indicate an amount that exceeded the legal limit.		6/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000801	1/29/2019	1	TRID Final Closing Disclosure Optional Fees	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed Optional fees in a section other than Section H. (Final/06/XX/2018)	Seller's Final CD reflected Title Owner's Insurance Policy (optional) in section C.		6/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000801	1/29/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $313.00 exceeds tolerance of $88.00 plus 10% or $96.80. Insufficient or no cure was provided to the borrower. (0)	Increase in recording fees on final CD to 313.00 from 88.00 on initial LE.		6/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000801	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,131.58 exceeds tolerance of $654.41. Insufficient or no cure was provided to the borrower. (7200)	CD dated 4/XX/18 reflected a discount points of $654.41 yet final CD shows $2,131.58. No VCC for valid increase		6/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000801	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $147.61 exceeds tolerance of $119.00. Insufficient or no cure was provided to the borrower. (7520)	CD dated 4/XX/18 reflects a credit report fee of $119.07 yet final CD shows $147.61.No VCC for valid increase		6/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000801	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Disaster Inspection Fee. Fee Amount of $123.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7702)	Seller CD reflects a Disaster Inspection fee of $123.95 that was not initially disclosed.No VCC for valid increase		6/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	3	VA - 1003 Section VIII Declarations E, F is not compliant.	Disclosure: VA 1003 Section VIII Declarations E, F (Government Documents)				Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation. (Final/03/XX/2018)	Final Closing Disclosure provided on 03/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	1	TRID Final Closing Disclosure Property Value	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/03/XX/2018)	Final Closing Disclosure provided on 03/XX/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. Per policy 70.22 a months final CD 61.68.		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2. (Final/03/XX/2018)	Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2 due to difference of HOI monthly of 8.54		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/03/XX/2018)	An amount was not disclosed on the final Closing Disclosure as a cure for under disclosure of fees.		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,404.62 exceeds tolerance of $1,206.58. Insufficient or no cure was provided to the borrower. (7200)	The Loan Discount Points were disclosed on the Loan Estimate at $1,206.58, but increased to $1,404.62 on the final Closing Disclosure without disclosure of a cure.		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $777.00 exceeds tolerance of $389.00. Insufficient or no cure was provided to the borrower. (7325)	The Loan Origination Fee was disclosed on the Loan Estimate at $389, but increased to $777 on the final Closing Disclosure without disclosure of a cure.		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for VA Funding Fee. Fee Amount of $2,564.00 exceeds tolerance of $209.00. Insufficient or no cure was provided to the borrower. (7593)	The VA Funding Fee was disclosed on the Loan Estimate at $209, but increased to $2,564 on the final Closing Disclosure without disclosure of a cure.		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $90.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7713)	The Pest Inspection fee was not disclosed on the Loan Estimate, but included on the final Closing Disclosure without disclosure of a cure.		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 1,682.16 on Final Closing Disclosure provided on 03/XX/2018 not accurate. (Final/03/XX/2018)	The annual insurance premium amount from policy is $842.63. However, Page 2, Section F of final CD reflects borrower paid $842.63 before closing and is also being charged $740.13 for 12 months.		3/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. (ProjSeq:1/676258)	The HOI amount on final CD is incorrect.		3/XX/2021	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	2	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan. (ProjSeq:1/676258)	The HOI amount on final CD is incorrect.		3/XX/2021	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	3	Loan Guaranty Certificate is missing.	Disclosure: VA - Loan Guaranty Certificate (Government Documents)	VA - Loan Guaranty Certificate was not located in loan file.			Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000800	1/29/2019	3	AUS Findings: Loan to value discrepancy.	Calculated loan to value percentage of ___ exceeds AUS loan to value percentage of ___.	Appraisal provided reflects a value of $XXX. Loan was approved with a value of $XXX and an LTV of 83.55%. Loan is no longer agency saleable with an LTV of 109.43662% Appraisal in file for $XXX.			Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000799	1/29/2019	2	Fannie Mae 2014 - 3% Points and Fees	Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XXX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or XXX%).	XXX			Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000799	1/29/2019	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. (Type:Primary/03/XX/2018)	Documentation in file shows appraisal report was provided to the borrower on 1/XX/18 yet copy in file is dated 3/XX/18 which is after the date of closing on 2/XX/18.			Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000798	1/30/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000798	1/30/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	VA IRRRL, no assets provided. Per the Final Approval in file, proof of assets totaling $47,000 are required.			Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000798	1/30/2019	3	Loan Guaranty Certificate is missing.	Disclosure: VA - Loan Guaranty Certificate (Government Documents)				Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000798	1/30/2019	1	TRID Final Closing Disclosure Prepaid Other 1 Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2018 did not disclose number of months for Duplicate bill under Prepaids. (Final/03/XX/2018)	Number of months for $5 duplicate bill fee was not disclosed.		3/XX/2019	Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000798	1/30/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan. (Final/03/XX/2018)	The reported TIP is 71.659% per CD calculated is 71.648		3/XX/2019	Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000798	1/30/2019	3	The file does not contain evidence the lender complied with the VA Required Search Requirements for and Treatment of Debts Owed to the Federal Government.		Missing from file.			Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000797	1/29/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.	Rate lock document was not in the file.			Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $9,869.00 and disclosure timing violations.	Esign consent was not in the file.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $375.00 exceeds tolerance of $0.00 plus 10% or $0.00. Insufficient or no cure was provided to the borrower. (0)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $750.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $1,095.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (73196)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Processing Fee. Fee Amount of $595.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7334)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $275.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7355)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7506)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): Buyer accepted the exceptions Buyer Comment (2019-01-28): Acknowledged
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $104.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7520)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Flood Certification (Life Of Loan). Fee Amount of $30.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7579)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7580)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $6,154.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): Buyer accepted the exceptions Buyer Comment (2019-01-28): Acknowledged
1450000797	1/29/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:Primary/04/XX/2018)	Evidence of earlier borrower receipt was not provided.			Reviewer Comment (2019-01-29): Buyer accepted the exceptions Buyer Comment (2019-01-28): Acknowledged
1450000797	1/29/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	This document was not provided in the file.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 05/XX/2018 received on or after the date the Closing Disclosure 5/XX/2018 12:00:00 AM was received. (Interim/05/XX/2018)	Evidence of earlier borrower receipt was not provided.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 05/XX/2018 not received by borrower at least four (4) business days prior to closing. (Interim/05/XX/2018)	Evidence of earlier borrower receipt was not provided.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000797	1/29/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2018)	Disclosures contain electronic signatures however an e-consent disclosure was not provided in file therefore all fees are testing as $0. Provide electronic consent for fees to be tested against 0% and 10% tolerance correctly.		5/XX/2019	Reviewer Comment (2019-01-29): The buyer has elected to waive this exception. Buyer Comment (2019-01-28): Waived
1450000796	2/6/2019	3	Borrower is not currently employed.	Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 05/XX/2018, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 04/XX/2018, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 07/XX/2018, Borrower: XXX // Employment Type: Employment / Income Type: Wages / Start Date: 08/XX/1999 // Document: VVOE / Document Date: 07/XX/2018	The VVOE's from the borrower's seasonal job states she is not employed. VOE dated 05/XX/2018 reflect borrower is working seasonally and VOE dated 07/XX/2018 shows borrower as "inactive".			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived Reviewer Comment (2019-02-04): Referring issue to XXX for review and disposition. Buyer Comment (2019-02-01): These issues were noted on the bid tape at the beginning of the trade. Please consider clearing these conditions.
1450000795	2/8/2019	2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.					Reviewer Comment (2019-02-08): Buyer accepted the exceptions Buyer Comment (2019-02-07): Acknowledged Reviewer Comment (2019-02-07): Per Buyer request Reviewer Comment (2019-02-07): Buyer accepted it Buyer Comment (2019-02-06): Acknowledged
1450000793	1/30/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided		Missing LDP search.			Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000793	1/30/2019	3	Loan Guaranty Certificate is missing.	Disclosure: VA - Loan Guaranty Certificate (Government Documents)	Missing VA Loan Guaranty Certificate.			Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000793	1/30/2019	3	New Mexico HL Ability to Repay Reliable Documentation	New Mexico Home Loan: Borrower's ability to repay not verified with reliable documentation.	New Mexico Ability to Repay confirmation missing.			Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000793	1/30/2019	1	TRID Final Closing Disclosure Property Value	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 09/XX/2018 disclosed an Appraised Property Value that did not match the actual Property Value for the loan. (Final/09/XX/2018)	Final CD reflected an appraised value of $XXX yet appraisal in file reflected a value of $XXX.		9/XX/2019	Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000793	1/30/2019	3	AUS Findings: Loan to value discrepancy.	Calculated loan to value percentage of ___ exceeds AUS loan to value percentage of ___.	DU reflects a LTV of 22.30% yet final LTV is 117.36842%			Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000793	1/30/2019	2	Fannie Mae 2014 - 3% Points and Fees	Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XXX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or XXX%).	XXX			Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000793	1/30/2019	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.	Lender is the same creditor that was paid off at closing yet Right to Cancel form H-8 was used vs. H-9 required.		9/XX/2021	Reviewer Comment (2019-01-30): The buyer has elected to waive this exception. Buyer Comment (2019-01-30): Waived
1450000792	2/6/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: COE issued on surviving spouse in error by VA, lender failed to respond to VA timely to correct. Based on denial letter from VA imaged as D151, borrower must prove eligibility member's death or cause of death occurred while on active duty or borrower must be in receipt of dependency indemnity compensation as the surviving spouse. Documentation to support borrower's qualification as the surviving spouse was not evidenced in loan file.			Reviewer Comment (2019-02-06): Buyer accepted the exceptions Buyer Comment (2019-02-05): Acknowledged
1450000792	2/6/2019	3	VA - Escape Clause is not compliant.	Disclosure: VA - Escape Clause (Government Documents)	The escape clause was not signed by seller and purchase price is also not reflected on the clause.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000792	2/6/2019	3	Loan Guaranty Certificate is missing.	Disclosure: VA - Loan Guaranty Certificate (Government Documents)				Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000792	2/6/2019	1	ECOA Receipt of Appraisal Without Waiver		Did not evidence in loan file date appraisal was sent to borrower or signed disclosure from borrower confirming receipt of the appraisal.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000792	2/6/2019	3	VA QM Eligibility		Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000792	2/6/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment		$778 of the initial escrow payment was paid by the lender		5/XX/2018	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000792	2/6/2019	3	Check Loan Designation Match - QM		Due to defect reason loan is no longer salable to agency therefore QM designation does not match.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000792	2/6/2019	1	TRID Seller Closing Disclosure		Missing the Sellers CD.		5/XX/2018	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	1	Missing Document: Note - Subordinate Lien not provided					Reviewer Comment (2019-02-07): Supporting documentation for the XXX program provided. Condition cleared. Buyer Comment (2019-02-06): There is no subordinate lien on this loan.
1450000791	2/7/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured					Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	Due diligence results confirm loan defect provided		Unable to verify an appraisal was completed with the new FHA case number.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	QM Employment History		Missing VVOE for primary borrower for former employer, unable to confirm 2 years of employment history			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info		The loan file did not provide specific employment dates; however a two year requirement was satisfied as the loan file contained three years of W2 information.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	HUD QM AU Finding Fail		Not insurable by FHA as a new appraisal with updated FHA case number not located in the loan file.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	Check Loan Designation Match - QM		Loan designation selected from Mavent Compliance Report.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	QM DTI		DTI is within allowable debt ratio; however FHA case number originally cancelled and no new appraisal with updated case number located in loan file.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	TRID Lender Credit Tolerance Violation		A Letter disclosing the $5000 error in Lender Credit was provided to the borrower on 11/XX/18 date; the letter indicated that the amount had been applied to a principal reduction and that a CD reflecting the changes (p.3 Sec. K) was also included.		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		The loan file did not contain a cure in the amount of $22 for exceeding the tolerance for the Title-Copy/Fax fee.		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		The loan file did not contain a cure in the amount of $10 for exceeding the tolerance for the Title- Wire/Funding/Disbursement fee.		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		The loan file did not contain a cure in the amount of $150 for exceeding the tolerance for the Release Tracking fee.		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		The loan file did not contain a cure in the amount of $100 for exceeding the tolerance for the Title- Exam fee.		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		The loan file did not contain a cure in the amount of $1,169 for exceeding the tolerance for the Transfer Tax . Exception fired due to addition of seller paid fees; referred to buyer for final review and disposition		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits		The Final Closing Disclosure failed to provide a dollar amount by which total closing costs were exceeded.		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided		The loan file did not contain a cure in the amount of $504 for exceeding the 10% tolerance.		6/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	Income Docs Missing:	Borrower: XXX ___	The file did not include a VVOE for B1's prior employment or B2's prior employment.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	Funds from a 401K were used; although a copy of the liquidation check was provided, there was no supporting documentation showing the check was deposited and an additional credit was not present on the Closing Disclosure.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	Funds from a 401K were used; although a copy of the liquidation check was provided, there was no supporting documentation showing the check was deposited and an additional credit was not present on the Closing Disclosure. This resulted in a shortfall of cash to close.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000791	2/7/2019	3	AUS Findings: All conditions were not met		Loan is no longer agency eligible - please advise which guidelines are applicable. File is missing VVOE's for prior employment of both borrowers, proof of sufficient funds to close due to lack of proof of deposit of 401K proceeds.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000790	2/6/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed (Credit score 551). Credit report in loan file shows borrower's median score was 628 dated 6/XX/18.			Reviewer Comment (2019-02-06): Buyer accepted the exceptions Buyer Comment (2019-02-05): Acknowledged
1450000790	2/6/2019	1	Check Loan Designation Match - QM		This is a VA loan			Reviewer Comment (2019-02-06): Loan is VA Insured
1450000790	2/6/2019	1	VA QM Eligibility		Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-02-06): Loan is VA Insured
1450000790	2/6/2019	1	Michigan CMPA Home Loan Toolkit Status		Disclosure was not evidenced in loan file.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	$8000.00 in XXX checking account per AUS not verified in file.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	3	AUS Findings: All conditions were not met		A Verbal Verification of Employment for the borrower's current employer and reserve verification was not located in the loan file			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	2	TRID Closing Disclosure Issue Date Not Provided		The loan file contained two CD's without actual Provided dates.		8/XX/2021	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	2	TRID Closing Disclosure Issue Date Not Provided		The loan file contained two CD's without actual Provided dates.		8/XX/2021	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits		Captured as disclosed, $136.59 - insufficient cure for overages.		8/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	2	TRID Interim Closing Disclosure Timing		The CD reflecting the change in APR was not provided to the borrower within three business days of closing.		8/XX/2019	Reviewer Comment (2019-02-11): The buyer has elected to waive this exception. Buyer Comment (2019-02-08): Waived Reviewer Comment (2019-02-07): Discrepancy due to CD issued prior to the final was an estimated CD with changes that were different than how loan closed. Interim CD was not provided to borrower at least 3 business days prior to closing. Condition remains. Buyer Comment (2019-02-06): This was not picked up by AMC on our review, we cannot cure.
1450000789	2/6/2019	1	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided		The loan file did not provide evidence of cure for exceeding the 10% tolerance. Due to title -document prep, title-endorsement and recording fees.		8/XX/2019	Reviewer Comment (2019-02-07): Reviewed updated information. Condition cleared. Buyer Comment (2019-02-06): This was not picked up by AMC on our review, we cannot cure.
1450000789	2/6/2019	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Fee was not disclosed on the initial LE.		8/XX/2019	Reviewer Comment (2019-02-07): Reviewed updated information. Condition cleared. Buyer Comment (2019-02-06): This was not picked up by AMC on our review, we cannot cure.
1450000789	2/6/2019	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	Missing verification of XXX checking account with $8,000.00 balance.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	3	AUS Findings: Available for Reserves discrepancy.	Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___.	Missing verification of XXX checking account with $8,000.00 balance, short DU reserves.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	3	Income Docs Missing:	Borrower: XXX ___	Missing VVOE within 10 days of note date			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000789	2/6/2019	2	Due diligence results confirm loan defect provided		Due diligence confirms the defect. The stated defect was that the credit score is 551 - the actual middle credit score is 531.			Reviewer Comment (2019-02-06): Buyer accepted the exceptions Buyer Comment (2019-02-05): Acknowledged
1450000789	2/6/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan). Fee Amount of $36.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.			8/XX/2019
1450000788	2/14/2019	3	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived Reviewer Comment (2019-02-13): AMC agrees that there is no requirement to retain the LDP / GSA searches, but with out the searches we can not verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition. Buyer Comment (2019-02-12): VA IRRRL guidelines do not require for LPD or GSA searches. Please remove stip.
1450000788	2/14/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived Reviewer Comment (2019-02-13): AMC agrees that there is no requirement to retain the LDP / GSA searches, but with out the searches we can not verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition. Buyer Comment (2019-02-12): VA IRRRL guidelines do not require for LPD or GSA searches. Please remove stip.
1450000788	2/14/2019	1	RESPA Initial Escrow Account Disclosure Test		Initial escrow account statement was not provided to the borrower.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000788	2/14/2019	1	TRID Final Closing Disclosure Prepaid Property Tax Months		The Final CD did not disclose how many months of taxes were prepaid at closing.		5/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000788	2/14/2019	1	TRID Final Closing Disclosure Without Seller - Closing Costs Financed		The Final CD showed closing costs financed as $7,108.16 however the actual closing costs were $6,956.50.		5/XX/2019	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000788	2/14/2019	2	Due diligence results confirm loan defect provided		Borrower received cash back at closing, with no evidence of POC fees or transferred escrow fees. Loan not eligible for IRRRL.			Reviewer Comment (2019-02-06): Buyer accepted the exceptions Buyer Comment (2019-02-05): Acknowledged
1450000788	2/14/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Rebuttable Presumption QM does not match Due Diligence Loan Designation of VA Safe Harbor QM.	Designation as per the Compliance Report.			Reviewer Comment (2019-02-08): The buyer has elected to waive this exception. Buyer Comment (2019-02-07): Waived
1450000788	2/14/2019	1	VA Unverified Income IRRRL Cash Out at Closing	VA Qualified Mortgage (Dodd-Frank 2014) - This IRRRL loan with unverified income contains cash out at closing less than $500.00.	Cash back at closing without evidence of POC's or payoff escrow transfers.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000787	2/6/2019	3	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___	The file does not include an inspection after the Disaster date.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000787	2/6/2019	1	Ohio CSPA Ability to Repay Reliable Documentation		Subject is a VA IRRRL non-credit qualifying loan.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000787	2/6/2019	1	Ohio CSPA Closing Disclosure					Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000787	2/6/2019	2	TRID Closing Disclosure Issue Date Not Provided		Closing Disclosure estimated to be provided on 05/XX/2018 did not disclose the actual Date Issued.		5/XX/2021	Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000787	2/6/2019	1	VA Unverified Income IRRRL Cash Out at Closing		Valid exception - the CD does not reflect any Lender paid fees or Borrower POC fees.			Reviewer Comment (2019-02-06): The buyer has elected to waive this exception. Buyer Comment (2019-02-05): Waived
1450000786	1/25/2019	3	Missing Document: Hazard Insurance Policy not provided					Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		Hazard Insurance document is missing.			Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	1	Payoff Statement Missing	Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.				Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	RESPA 2010 GFE to Actual Interest Rate	RESPA (2010): Interest Rate on GFE does not match Note.	Change of Circumstance dated 04/XX/2013 - rate lock. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012.			Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	RESPA 2010 GFE to Actual Loan Amount	RESPA (2010): Loan Amount on Final GFE does not match Note.	Change of Circumstance dated 003/XX/2013 for loan amount and program. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012.			Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	RESPA 2010 GFE to Actual Payment	RESPA (2010): Initial payment on GFE does not match actual payment on loan.	Change of Circumstance dated 03/XX/2013 for loan amount and program. Loan was not re-disclosed. Only 1 GFE was provided dated 11/XX/2012.			Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	TIL-MDIA 2009 Three Day Waiting Period Irregular Transaction	Truth in Lending Act (Early TIL Disclosure): Corrected TIL for APR inaccuracy was not received by the borrower at least three (3) business days prior to closing.			4/XX/2014	Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	TIL-MDIA 2011 IO ARM First Adjustment Principal Payment	Truth in Lending Act (MDIA 2011): The "First Adjustment" principal payment on the Final TIL does not match the principal payment that may apply during the first rate adjustment of the loan.	Only 1 GFE was provided dated 11/XX/2012.		4/XX/2016	Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	ARM Disclosure Status	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower.	Only 1 GFE was provided dated 11/XX/2012 as a fixed rate.		4/XX/2014	Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.	Only 1 GFE was provided dated 11/XX/2012 as a fixed rate.		4/XX/2014	Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000786	1/25/2019	2	Due diligence results confirm loan defect provided		Note is IO arm - however the LP states ARM no IO			Reviewer Comment (2019-01-25): The buyer has elected to waive this exception. Buyer Comment (2019-01-25): Waived
1450000785	2/4/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits		Final Closing Disclosure provided on 05/XX/2016 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000785	2/4/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee Amount of $35.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided.		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000785	2/4/2019	1	TRID Closing Disclosure Lump Sum Allocation		Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset non-finance charges first, then finance charges.			Reviewer Comment (2019-02-06): Buyer accepted the issues. Buyer Comment (2019-02-04): Cleared
1450000785	2/4/2019	2	TRID Final Closing Disclosure Finance Charge		Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge of $XXX that does not match the actual finance charge of $XXX for the loan. The Itemization of Amounts Financed does not include the Origination Fee of $2,497.50.		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000785	2/4/2019	2	Due diligence results confirm loan defect provided		MI has been rescinded due to a misrepresentation of employment type and the usage of multiple SSN (linked to family members, does not seem to be Fraud related). Public records confirm his undisclosed ownership interest in his business. Two years of personal and business tax returns are missing for proper document			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000785	2/4/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Due to defect reason loan is no longer salable to agency, therefore Discrepancy in QM designation .			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000784	2/4/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000784	2/4/2019	1	Federal FACTA Disclosure Timing Test					Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000784	2/4/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed that the borrower was terminated before closing. Most recent VVOE provided in file is dated 05/XX/2016 and states that the borrower is still employed. Loan closed on 05/XX/16.			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000783	2/4/2019	1	Right To Receive Appraisal Disclosure Timing 2014 ECOA		Right to Receive Appraisal Disclosed ob LE dated 07/XX/2016.			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000783	2/4/2019	2	Due Diligence results do not confirm loan defect provided		Unable to confirm defect reason with documents in file. - Employment - Client was not employed at closing.			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000782	2/7/2019	2	TRID Final Closing Disclosure Finance Charge		Final Finance charge on final CD $XXX, however, based on fees listed, total finance charges should be $XXX resulting in the loan being underdisclosed by $XXX.		5/XX/2019	Reviewer Comment (2019-02-07): Received PCCD and all supporting documentation required for cure. Seller Comment (2019-02-06): see attached re-disclosed documentation. Reviewer Comment (2019-02-06): Received itemization; however the final CD reflects a Title - New Loan Service Fee of $340 with no breakdown. It appears this is creating the finance charge under disclosure. Condition remains. Seller Comment (2019-02-05): See the attached itemization of the amount financed to verify fees being included in the finance charge and the attached cd addendum to verify the fee being excluded from the finance charge. If you have a discrepancy, please confirm your calculation.
1450000782	2/7/2019	2	Due diligence results confirm loan defect provided		Client misrepresented employment and income. We have not been able to obtain tax returns and pay stubs cannot be authenticated.			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000782	2/7/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Due to defect reason loan is no longer salable to agency, therefore Discrepancy in QM designation .			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	3	Valuation Error: Sales Comparison Approach value not provided.	Valuation Type: Appraisal / Valuation Report Date: 10/XX/2018				Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	1	Public Record Issue:	Credit Report: Original // Public Record Type: Collections / Balance: 260.00, Credit Report: Original // Public Record Type: Collections / Balance: 183.00, Credit Report: Original // Public Record Type: Collections / Balance: 112.00, Credit Report: Original // Public Record Type: Collections / Balance: 71.00				Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	3	Check Loan Designation Match - QM		Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of VA Safe Harbor QM.			Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	2	TRID Initial Closing Disclosure Timing without Waiver		Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.		11/XX/2019	Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	2	TRID Revised Loan Estimate Timing Before Closing		Revised Loan Estimate provided on 11/XX/2018 not received by borrower at least four (4) business days prior to closing.		11/XX/2019	Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. This loan needed prior approval from the VA due to certain verbiage on the Certificate of Eligibility. We obtain the approval initially but due to a loan amount change, we did not get the proper re-approval needed			Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000781	2/5/2019	3	VA QM Eligibility		Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-02-05): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits		Per Final CD		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	1	TRID Home Loan Toolkit Provided		Not provided		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Cure was not provided to Borrower		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Cure was not provided to Borrower		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Cure was not provided to Borrower		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided		Cure was not provided to Borrower		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info		2 Years History provided- W-2, 1040, Pay Stubs however no LOE for 25 days between jobs.			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	TRID Final Closing Disclosure Finance Charge		Per Final CD		6/XX/2017	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	ECOA Receipt of Appraisal after Waiver					Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000780	2/4/2019	2	Due diligence results confirm loan defect provided		Homeready requires counseling to be completed 30 days prior to closing - was not done at all. XXX will not purchase.			Reviewer Comment (2019-02-04): Buyer accepted the exceptions Buyer Comment (2019-02-04): Acknowledged
1450000779	2/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Per the appraisal photos, it does appear that the subject property appears to be a Manufactured/Modular home < 600 sq ft GLA. However, appraiser fails to identify subject property as such.			Reviewer Comment (2019-02-04): Buyer accepted the exceptions Buyer Comment (2019-02-04): Acknowledged
1450000779	2/4/2019	3	Check Loan Designation Match - QM		Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000779	2/4/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits		Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing		7/XX/2019	Reviewer Comment (2019-02-04): The buyer has elected to waive this exception. Buyer Comment (2019-02-04): Waived
1450000779	2/4/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided		Ten Percent Fee Tolerance exceeded. Total amount of $1,614.00 (including fees paid by the seller) exceeds tolerance of $1,357.00 plus 10% or $1,492.70. Missing proof of valid changes, insufficient or no cure was provided to the borrower		7/XX/2019	Reviewer Comment (2019-02-08): The buyer has elected to waive this exception. Buyer Comment (2019-02-07): Waived Reviewer Comment (2019-02-07): Per buyer request, seller fees are to be included in tolerance testing, Seller paid Title - Escrow fee of $175, Title - Wire fee of $30 and Recording fee of $2 are causing tolerance violations. Exception referred to XXX for review and disposition Buyer Comment (2019-02-06): Please see attached Mavent document. Page 7 shows no TRID violation. Thanks.
1450000778	2/14/2019	2	Due diligence results confirm loan defect provided		The Appraiser did not disclose an opinion of Market Rent on the Appraisal. A Lease Agreement was not provided in loan file. Using subject full PITI increases the DTI more than 3% to 42% which is out of tolerance.			Reviewer Comment (2019-02-14): Buyer accepted the exceptions Buyer Comment (2019-02-13): Acknowledged
1450000778	2/14/2019	2	FNMA2000 Points and Fees	FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2012) (an overage of $XXX or XXX%).				Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000778	2/14/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Rental income appears to have been used to qualify. However, a lease agreement was not provided and Appraiser did not disclose a market rent value on the Appraisal. Using subject full PITI increases the DTI more than 3% to 42.85702% and therefore out of tolerance.			Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000778	2/14/2019	3	AUS Findings: All conditions were not met		A lease agreement or Appraisal with stated market rent was not provided. Loan does not qualify without use of rental income.			Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Unable to locate a Loan Designation in loan file; the subject is receiving a Non-QM designation due to lack of verified employment history resulting in unverified income and excessive DTI.			Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	1	Federal LO Compensation Steering	Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.				Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.				Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.				Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	1	Maryland HB1399 Counseling Agencies	Maryland HB1399 - No evidence of counseling agencies list per Maryland HB 1399.				Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	The Final CD was issued on 4/XX/17, less than 6 days (4/XX/17) prior to closing, and was received on 4/XX/17, less than 3 days (4/XX/17) prior to closing on 4/XX/17.		4/XX/2018	Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2017 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	The disclosed Total Interest Percentage of 87.793 does not match the actual TIP of 87.884.		4/XX/2018	Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	An amount was not disclosed as a cure for under disclosure of fees.		4/XX/2018	Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $15,335.00 exceeds tolerance of $7,895.00. Insufficient or no cure was provided to the borrower.	Exception fired due to addition of seller paid transfer taxes. Referred to buyer for final review and disposition. (Fee disclosed as $7895.00 on LE dated 04/XX/2017 but disclosed as $15335.00 on Final Closing Disclosure.)		4/XX/2018	Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	The loan is failing QM Employment History because B2 was unable to provide a full 2 year employment history - documented employment totaled 4.2 months; B2 completed a 6 month professional training course for a total of only 10 months. Removing this income results in excessive DTI and the loan is no longer agency eligible.			Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.	An itemization of the Lender Credit was not located in the file.			Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	2	Due diligence results confirm loan defect provided		Due Diligence review confirms B2 has less than the required 2 year job history, but fails to find misrepresentation; data used for the approval was present in the file at the time of origination and was not sufficient at that time.			Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000777	2/14/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible due to excessive DTI and insufficient work history for B2 - please advise which guidelines are applicable			Reviewer Comment (2019-02-14): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000776	2/12/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed. - Occupancy mis-representation, loan purchased as an Investment Property; home is actually primary home. Documents in file reflect occupancy as investment. Occupancy Certification signed certifying that borrower does not intend to occupy the property as primary or second home.			Reviewer Comment (2019-02-12): Buyer accepted the exceptions Buyer Comment (2019-02-11): Acknowledged
1450000775	2/13/2019	1	Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.	Borrower: XXX	Need a valid visa. Per guidelines Non-Resident Aliens (Foreign Nationals) with valid VISA or through the VISA waiver program (VWP) are eligible			Reviewer Comment (2019-02-13): Lender exception noted. Condition cleared. Seller Comment (2019-02-12): consular ID acceptable as Passport
1450000775	2/13/2019	3	Guideline Requirement: PITIA reserves months discrepancy.	Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.	Per XXX program guidelines LTV > 70% or Loan Amount > $1,000,000 requires 12 Months Principal & Interest payment			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived Reviewer Comment (2019-03-06): The guidelines used by Lender for approval were not provided for review, therefore unable to determine correct amount of reserves required. Condition remains. Buyer Comment (2019-03-06): When this went S&D the finding came back from the S&D lender saying 12 months P&I reserves were required, which means they were looking at the guideline for the wrong program. This was the XXX program and only 3 months full PITI were required. Based on the PCCD borrower's actual cash to close was $50,710.99, and verified funds were $55,234.79 leaving $4613.80 in Post Closing Reserves when $4,741.29 was required. This means we only had $127.49 shortage. Reviewer Comment (2019-02-15): Defect reason provided to review was for timing of LE after Broker application date. If insufficient reserves was a Lender approved exception, please provide the exception for buyer's review and disposition. Buyer Comment (2019-02-14): Defect reason is short on reserve. Not able to provide more asset.
1450000775	2/13/2019	1	TRID Servicing Disclosure Timing	File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	Initial loan application dated 11/XX/2018 and Servicing Disclosure dated 11/XX/2018		12/XX/2019	Reviewer Comment (2019-02-13): Received evidence of Lender's application date. Cleared Seller Comment (2019-02-12): correct initial 1003 dated 11/XX/19
1450000775	2/13/2019	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	Initial loan application dated 11/XX/2018 and List of Homeownership Counseling Organizations dated 11/XX/2018			Reviewer Comment (2019-02-13): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000775	2/13/2019	1	TRID Home Loan Toolkit Timing	Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	Initial loan application dated 11/XX/2018 and Home Loan Toolkit Disclosure dated 11/XX/2018		12/XX/2019	Reviewer Comment (2019-02-13): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000775	2/13/2019	1	TRID Service Provider Timing	TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	Initial loan application dated 11/XX/2018 and list of service providers dated 11/XX/2018		12/XX/2019	Reviewer Comment (2019-02-13): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000775	2/13/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,704.00 exceeds tolerance of $2,070.00 plus 10% or $2,277.00. Insufficient or no cure was provided to the borrower. (0)	Total amount of $2,704.00 exceeds tolerance of $2,070.00 plus 10% or $2,277.00.		12/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived Reviewer Comment (2019-02-15): Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing ten percent tolerance violations. Exception referred to XXX for review and disposition to waive or acknowledged. Buyer Comment (2019-02-14): Please indicate which CD date with the amount of $2,704.00. I'm not seeing it or provide the specific fee or breakdown that are adding up to $2,704.00. Thanks
1450000775	2/13/2019	1	TRID Appraisal Disclosure - ECOA Timing	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.	Initial loan application dated 11/XX/2018 and right to receive a copy of the Appraisal Disclosure provided on 11/XX/2018 to borrower		12/XX/2019	Reviewer Comment (2019-02-13): Received evidence of Lender's application date. Cleared Buyer Comment (2019-02-13): Waived
1450000775	2/13/2019	1	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM.	Missing documentation to determine if loan QM designation.			Reviewer Comment (2019-02-13): Reviewed updated information. Cleared. Seller Comment (2019-02-12): see Doc Magic fee and points worksheet
1450000775	2/13/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/12/XX/2018)	Total tolerance violations of $427.00 not cured on final CD.		12/XX/2019	Reviewer Comment (2019-02-13): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000775	2/13/2019	2	TRID Loan Estimate Timing	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. (Initial/11/XX/2018)	Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.		12/XX/2019	Reviewer Comment (2019-02-13): The buyer has elected to waive this exception. Buyer Comment (2019-02-13): Waived
1450000775	2/13/2019	1	Due Diligence results do not confirm loan defect provided		Due Diligence does not confirm the loan defect - the Initial Application date is 11/XX/18 based on Purchase Contract acceptance, and initial disclosures were dated within 10 days (11/XX/18) of application.			Reviewer Comment (2019-02-13): Changed exception due to evidence of Lender's application date, but broker's remains the same. Unable to change. Condition cleared. Seller Comment (2019-02-12): correct 1003
1450000775	2/13/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Broker application date of 11/XX/2018 and the initial LE dated 11/XX/2018. Unable to change broker's application date. The initial 1003 provided with the original loan package reflects all required information for complete application requirements.			Reviewer Comment (2019-03-06): Buyer accepted the exceptions Buyer Comment (2019-03-01): Acknowledged
1450000774	2/13/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed as the Borrower's primary residence hazard insurance monthly amount has not been established and is missing from subject file to confirm PITI on primary residence Qualifying Housing and Total ratios.			Reviewer Comment (2019-02-13): Buyer accepted the exceptions Buyer Comment (2019-02-12): Acknowledged Reviewer Comment (2019-02-12): Received primary residence hazard policy, however debt ratio still exceeds DU maximum therefore is no longer agency eligible. please advise which guidelines are applicable Buyer Comment (2019-02-11): YES, the Borrower's primary residence hazard insurance monthly amount was missing from the debt service. I just uploaded the primary residence Haz Ins under another condition.
1450000774	2/13/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Based on Defect reason - Variance due to primary residence insurance and taxes being included in DTI.			Reviewer Comment (2019-02-13): The buyer has elected to waive this exception. Buyer Comment (2019-02-12): Waived Reviewer Comment (2019-02-12): Received primary residence hazard policy, however debt ratio still exceeds DU maximum therefore is no longer agency eligible. please advise which guidelines are applicable Buyer Comment (2019-02-11): YES, the Borrower's primary residence hazard insurance monthly amount was missing from the debt service. I just uploaded the primary residence Haz Ins under another condition.
1450000774	2/13/2019	3	AUS Findings: All conditions were not met		As disclosed on Defect reason - Missing Borrower's primary residence hazard insurance monthly amount to confirm PITI for Qualifying Housing and Total ratios.			Reviewer Comment (2019-02-13): The buyer has elected to waive this exception. Buyer Comment (2019-02-12): Waived Reviewer Comment (2019-02-12): Received primary residence hazard policy, however debt ratio still exceeds DU maximum therefore is no longer agency eligible. please advise which guidelines are applicable Seller Comment (2019-02-11): Haz Ins for primary residence
1450000773	2/26/2019	1	Incorrect Appraisal Form type: Appraisal Form 1004/70 used for incorrect Subject property type.	Valuation Type: Appraisal / Valuation Report Date: 09/XX/2018 ___	Appraisal Form 1004/70 is not the proper form for Condominiums. Subject is a 1 unit detached condo (stand alone).			Reviewer Comment (2019-02-26): The buyer has elected to waive this exception. Buyer Comment (2019-02-25): Waived
1450000773	2/26/2019	2	Due diligence results confirm loan defect provided		Confirmed, borrower with previous foreclosure on Drive report for XXX, VA as of 4/XX/2013.			Reviewer Comment (2019-02-26): Buyer accepted the exceptions Buyer Comment (2019-02-25): Acknowledged
1450000773	2/26/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provded. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.				Reviewer Comment (2019-02-26): The buyer has elected to waive this exception. Buyer Comment (2019-02-25): Waived
1450000773	2/26/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.				Reviewer Comment (2019-02-26): The buyer has elected to waive this exception. Buyer Comment (2019-02-25): Waived
1450000773	2/26/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/09/XX/2018)	Final disclosure reflects an increase in total costs exceeding the legal limit, insufficient cure provided at closing		9/XX/2019	Reviewer Comment (2019-02-26): The buyer has elected to waive this exception. Buyer Comment (2019-02-25): Waived
1450000773	2/26/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,020.17 exceeds tolerance of $1,747.00. Insufficient or no cure was provided to the borrower. (8304)	Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,020.17 (including those paid by the seller $272.50) exceeds tolerance of $1,747.00. Mising proof of valid change, insufficient cure of .67 was provided to the borrower.		9/XX/2019	Reviewer Comment (2019-02-26): The buyer has elected to waive this exception. Buyer Comment (2019-02-25): Waived
1450000772	2/26/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Final CD was not provided at closing. CD disclosed on 6/XX/18 was used as final for testing. A CD dated at time of closing is found in file, however is indicated as "Preliminary" and is incomplete.			Reviewer Comment (2019-02-26): Client acknowledged the exception Buyer Comment (2019-02-22): Acknowledged
1450000772	2/26/2019	3	MI Monthly Premium Amount documented in file does not match the Escrowed Mortgage Insurance Premium amount per month collected on the final Closing Disclosure.	-				Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	1	RESPA Initial Escrow Account Disclosure Compliant Test	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.	Final CD reflects an initial escrow payment at closing of $4,703.27; however the Initial Escrow Account Disclosure Statement indicates an initial deposit of $4,752.80.			Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	1	TRID Final Closing Disclosure Assumption	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2018 incorrectly disclosed whether the loan allows for Assumption.	Note has assumption language. Final CD reflects assumptions are not allowed for this loan.		6/XX/2019	Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2018 disclosed a Closing Date that did not match the actual date of consummation.	Final CD reflects a closing date of 6/XX/18; however, the notary date on the Security Instrument is 6/XX/18.		6/XX/2019	Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	2	TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.	Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.		6/XX/2019	Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Insufficient cure provided to the borrower.		6/XX/2019	Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,140.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Transfer tax was not disclosed on LE. No valid COC provided, nor evidence of cure in file.		6/XX/2019	Reviewer Comment (2019-03-13): Upon further review, the transfer taxes were paid by the seller and are the seller's responsibility in the state of NJ. Condition cleared Reviewer Comment (2019-02-28): Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to XXX for review and disposition Buyer Comment (2019-02-27): Per seller: This property is in New Jersey. The Transfer Tax is paid by the Seller.
1450000772	2/26/2019	2	TRID Final Closing Disclosure Mortgage Insurance Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan.	Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.		6/XX/2019	Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	2	TRID Final Closing Disclosure Mortgage Insurance Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed a mortgage insurance payment for payment stream 2 that does not match the actual payment for the loan.	Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.		6/XX/2019	Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	2	TRID Final Closing Disclosure Mortgage Insurance Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2018 disclosed a mortgage insurance payment for payment stream 3 that does not match the actual payment for the loan.	Payment does not match due to the MI payment. Final CD reflects an MI payment of $378.81. MI cert reflects a monthly payment of $178.52.		6/XX/2019	Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	Missing verification documentation for prior employer.			Reviewer Comment (2019-02-26): Client elected to waive the condition Buyer Comment (2019-02-22): Waived
1450000772	2/26/2019	2	ARM Disclosure Prior to Closing Timing	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower at least three (3) days prior to consummation for a loan that did not start as an ARM.	ARM disclosure provided on 6/XX/18 which was the date of consummation.		6/XX/2019	Reviewer Comment (2019-02-28): Unable to cure if evidence of borrower's earlier receipt is not provided. Referring issue to XXX for review and disposition. Buyer Comment (2019-02-27): Per seller: These findings are true. Please let me know how you would like to proceed.
1450000771	3/1/2019	1	Missing Document: Bankruptcy Documents not provided		Missing BK7 documents			Reviewer Comment (2019-03-01): Received BK documents. Cleared. Seller Comment (2019-02-28): BK paperwork
1450000771	3/1/2019	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Hazard insurance insufficient coverage: Loan Amount $XXX, estimated cost new $XXX and appraised value $XXX.			Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000771	3/1/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed LPA in file reflects Caution at the current LTV.			Reviewer Comment (2019-02-27): Buyer accepted the exceptions Buyer Comment (2019-02-26): Acknowledged
1450000771	3/1/2019	1	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Evidence of earlier borrower receipt was not found in file.		8/XX/2019	Reviewer Comment (2019-03-01): Received initial CD. Cleared. Seller Comment (2019-02-28): Initial CD
1450000770	2/27/2019	1	Right To Receive Appraisal Disclosure Timing 2014 ECOA	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.	No evidence in file disclosure was provided within required time frame.			Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000770	2/27/2019	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.	No evidence in file disclosure was provided.			Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000770	2/27/2019	1	RESPA Servicing Disclosure Timing 2014	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.	No evidence in file disclosure was provided within required time frame.			Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000770	2/27/2019	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	No evidence the disclosure was provided to the borrower.			Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000770	2/27/2019	2	TIL-MDIA 2009 Early TIL Disclosure Sent	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not sent within three (3) business days of the creditor application date.	No evidence in file disclosure was provided within required time frame.		5/XX/2016	Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000770	2/27/2019	2	TIL-MDIA 2011 Introductory Escrow Payment	Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.	The monthly escrow amount on the Final TIL was $94.02; however, the documentation for taxes and insurance in the loan file indicated the escrow should have been $103.28.		5/XX/2018	Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000770	2/27/2019	2	TIL-MDIA 2011 Introductory Total Payment	Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.	The total payment on the final TIL does not match the documentation in the loan file due to the differences in the tax/insurance amounts.		5/XX/2018	Reviewer Comment (2019-02-27): The buyer has elected to waive this exception. Buyer Comment (2019-02-26): Waived
1450000770	2/27/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed (with defect reason). Comps did not support the value of the home on the appraisal. The home appraised for too much. In UW's opinion, appraisal closed comps sales do support value of $XXX. Comp #1 adjusted sales price is almost $10k higher than subject's value & comps #2 adjusted sales price is within 5% of subject's value. Allso, all three sale comps are within 1 mile proximity of subject, sold within 1 year of subject & net/gross adjustments are within FNMA/FHLMC limits.			Reviewer Comment (2019-02-27): Buyer accepted the exceptions Buyer Comment (2019-02-26): Acknowledged
1450000769	3/5/2019	3	VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by Lender between the application date and the loan closing date.	- Originator App Date: ___ Creditor App Date: ___ Disclosure signed by Lender: ___	The lender signed the Addendum to URLA on 11/XX/2017, which was after closing.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000769	3/5/2019	3	Loan Guaranty Certificate is missing.	-				Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000769	3/5/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	There was no evidence the appraisal was provided to the borrower.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000769	3/5/2019	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	The Loan Guaranty and Certificate of Eligiblity were missing; therefore the guaranty amount could not be determined.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000769	3/5/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The final Closing Disclosure had an amount of $43.90 as the amount Total Closing Costs were exceeded. A post closing Closing Disclosure indicated increased lender credits of $998.50 for a total of $1,997.50 in lender credits.		9/XX/2018	Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000769	3/5/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,428.25 exceeds tolerance of $1,234.00 plus 10% or $1,357.40. Insufficient or no cure was provided to the borrower.	10% tolerance exceeded by $ 194.25 due to Title Policy increase and addition of Survey fee. No valid COC provided, nor evidence of cure in file.		9/XX/2018	Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000769	3/5/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $998.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The CD issued to add this fee was issued within 7 days of closing and fees could not be re-base lined in that time frame.		9/XX/2018	Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000769	3/5/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - defect cited as borrower having no VA eligibility due to prior foreclosure; however file did not contain the borrower's Certificate of Eligibility so whether or not he had eligibility or how much could not be confirmed.			Reviewer Comment (2019-03-05): Buyer accepted the exceptions Buyer Comment (2019-03-01): Acknowledged
1450000768	3/5/2019	2	Due diligence results confirm loan defect provided		Per title this is a flipped property.			Reviewer Comment (2019-03-05): Buyer accepted the exceptions Buyer Comment (2019-03-01): Acknowledged
1450000768	3/5/2019	3	Case # Assignment does not indicate "All borrowers passed SSN validation".		Missing case # assignment; UTD.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	3	FHA MIP Error: Missing evidence of case number assignment date.		Missing case # assignment; UTD.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	Appraisal dated 9/XX/2017 was prepared subject to completion; the form 442/completion cert was not provided in file.			Reviewer Comment (2019-03-21): Received 442. Cleared. Seller Comment (2019-03-20): 1004
1450000768	3/5/2019	3	FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.	-	DE statement of appraised value is not signed by the underwriter; non-compliant.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	3	FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.	-	The initial HUD-9200-A is not signed by the borrower; non-compliant.
1450000768	3/5/2019	3	Missing Document: Purchase Agreement / Sales Contract not provided		The Purchase Agreement in file reflects a closing date on/or before 9/XX/2017; subject closed on 10/XX/2017. Missing closing date extension to sale contract.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	3	Credit Exception:		The original appraisal dated 9/XX/2018 reflects an appraised value of $XXX, which is less than the purchase price of $124,900XXX; by using the lower of purchase price or appraised value, the resulting LTV/CLTV is 98.19%. The DU/AUS approved an LTV/CLTV of 95.80%. Missing corrected DU reflecting updated LTV/CLTV.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	1	FHA Case Number Assignment Date Without MI Impact	FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.	Missing casefile assignment; UTD assignment date.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Agree with Due Diligence defect reason of uninsurable due to property flip < 90 days.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Compliance report in file reflects Safe-Harbor QM.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	DU/AUS accepted DTI of 49.81% as Approve/Eligible.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000768	3/5/2019	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.	ABA is not signed by the borrower.			Reviewer Comment (2019-03-05): The buyer has elected to waive this exception. Buyer Comment (2019-03-01): Waived
1450000767	3/6/2019	3	Missing Document: Mortgage Insurance Certificate (MIC) not provided		Missing MI Cert only provided a quote mi			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	3	AUS Findings: All conditions were not met		DTI exceeded, there was a 2nd rental property identified on final 1003 that was not captured in lenders calculations - almost $900 in additional debt. No rental income docs available to use to offset increase			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	The 442 was not located in file to show completion of construction			Reviewer Comment (2019-03-06): Received 442. Cleared. Seller Comment (2019-03-04): SEE ATTACH
1450000767	3/6/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	No signed receipt found in file			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Due to the defect, the loan does not match the provided designation of Safe Harbor QM.			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	DTI exceeds the QM standard of 43%.			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 8,026.04 on Final Closing Disclosure provided on 11/XX/2018 not accurate.	Correct amount is $8,755.68, CD only reflects $8,026.04		11/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	2	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.	CD and lender are reflecting an additional other charge of $154.50 being paid in escrow, there is nothing in file to indicate what this is for			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	2	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.	Projected payments of $729.64 vs $976.64 escrows incorrect.			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	2	TRID Final Closing Disclosure Mortgage Insurance Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 11/XX/2018 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan.	Projected payments of $729.64 vs $976.64 escrows incorrect.			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $2,717.00 on Final Closing Disclosure provided on 11/XX/2018 not accurate.	per final CD costs over 1 year $2,717.00 but actual is $2,940		11/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	2	TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 11/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.	Projected payments of $729.64 vs $976.64 escrows incorrect.		11/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	No amount shown on closing disclosure		11/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan does not meet AUS and end investor guidelines not provided.			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD.	Seller CD contained more fees than disclosed on sonumers CD		11/XX/2019	Reviewer Comment (2019-03-06): Condition updated.
1450000767	3/6/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee. Fee Amount of $39.00 exceeds tolerance of $33.00. Insufficient or no cure was provided to the borrower.	Fees increased without a valid COC		11/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000767	3/6/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $800.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower.	Fees increased without a valid COC		11/XX/2019	Reviewer Comment (2019-03-07): Buyer elects to waive exception. Buyer Comment (2019-03-06): XXX is waiving due to issue resulting from Seller fee's. Reviewer Comment (2019-03-06): Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to XXX for review and disposition Seller Comment (2019-03-04): SEE ATTACH
1450000767	3/6/2019	1	Missing Document: Fraud Report not provided		There was no fraud report in the loan file.			Reviewer Comment (2019-03-08): Received required docs. Cleared. Seller Comment (2019-03-07): Fraud Report Reviewer Comment (2019-03-06): Fraud report does not appear to have been included in the trailing documents submitted on 03/XX/2019. Seller Comment (2019-03-04): SEE ATTACH
1450000767	3/6/2019	2	Due diligence results confirm loan defect provided		Defect reason was confirmed.			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000766	3/12/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-03-12): Received fraud report.Cleared. Seller Comment (2019-03-11): Fraud
1450000766	3/12/2019	1	No evidence of fraud report in file	-	No evidence of fraud report in file.			Reviewer Comment (2019-03-12): Cleared. Seller Comment (2019-03-11): see attach
1450000766	3/12/2019	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 1,682.67 on Final Closing Disclosure provided on 08/XX/2018 not accurate.	Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, amount disclosed to Consumer(s) at the time of consummation was not properly disclosed.		8/XX/2019	Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $4,499.00 on Final Closing Disclosure provided on 08/XX/2018 not accurate.	Cost of Homeowner's Association dues for one year according to documentation provided was $4,464.00, amount indicated on Consumer(s) Final CD at the time of consummation was not properly disclosed.		8/XX/2019	Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	2	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.	Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, amount disclosed to Consumer(s) at the time of consummation was not properly disclosed.			Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	2	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.	Cost of annual homeowner's insurance and real estate property taxes for one year according to documentation provided was $1,835.64, monthly payment amount indicated on Consumer(s) Final CD at the time of consummation was not properly disclosed.			Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cash to Close table did not indicate the dollar figure for exceeded legal limit amount; no cure was provided.		8/XX/2019	Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	3	Credit Exception:		Loan is not an agency fallout loan and a copy of the guidelines used by the Lender to qualify were not provided.			Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $650.00 exceeds tolerance of $595.00. Insufficient or no cure was provided to the borrower.	Title - Closing Fee was initially disclosed, change of circumstance was provided, zero tolerance for increased fees for services Consumer(s) cannot shop for; no cure given to Consumer(s).		8/XX/2019	Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,112.25 exceeds tolerance of $1,096.00. Insufficient or no cure was provided to the borrower.	Title - Lender's Title Insurance was initially disclosed, change of circumstance was not provided, zero tolerance for increased fees for services Consumer(s) cannot shop for; no cure given to Consumer(s).		8/XX/2019	Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has not been confirmed: Income not qualified correctly. DTI 56.0%. DTI per review is 45.24809%.			Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Loan designation determined from Ability to Repay.			Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	DTI exceeds $43%			Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000766	3/12/2019	3	Retirement Documentation	Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient.	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 2 years 1040 or transcripts.			Reviewer Comment (2019-03-08): The buyer has elected to waive this exception. Buyer Comment (2019-03-07): Waived
1450000765	3/6/2019	2	Fannie Mae 2014 - 3% Points and Fees	Fannie Mae 2014 3% Points and Fees Test. Points and Fees on subject loan of XXX% is in excess of the investor allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $XXX (an overage of $XXX or XXX%).				Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000765	3/6/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000765	3/6/2019	1	TRID Final Closing Disclosure Prepaid Property Tax Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/XX/2018 did not disclose number of months for Property Tax under Prepaids.	Lender did not provide the number of months of property taxes in Section F .		10/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000765	3/6/2019	1	Missing Document: Hazard Insurance Policy not provided		Master Certificate policy for subject property was not provided.			Reviewer Comment (2019-03-29): Received correct master policy. Condition cleared. Seller Comment (2019-03-28): Master Policy Reviewer Comment (2019-03-06): Master policy provided appears to be for a different borrower. Condition remains. Seller Comment (2019-03-04): SEE ATTACH
1450000765	3/6/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-03-08): Received required docs. Cleared. Seller Comment (2019-03-07): Fraud Report Reviewer Comment (2019-03-06): It appears the Fraud report was not included in the trailing docs provided on 03/XX/2018. Seller Comment (2019-03-04): SEE ATTACH
1450000765	3/6/2019	2	RESPA Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to borrower.				Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000765	3/6/2019	1	TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/XX/2018 disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees.	Additional Seller paid fee in the amount of $500.00 was not disclosed on Consumer(s) Final CD at the time of consummation.		10/XX/2019	Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000765	3/6/2019	2	Due diligence results confirm loan defect provided		Review of credit supplement for new debt opened 09/2018 and qualifying property tax calculation confirm DTI exceeds DU findings of 49.90%; rough estimate for annual property taxes of $1500.00 still exceeds DU findings DTI.			Reviewer Comment (2019-03-06): The buyer has elected to waive this exception. Buyer Comment (2019-03-04): Waived
1450000764	3/6/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.	The designation determined by the loan review was Safe Harbor QM.			Reviewer Comment (2019-03-06): Client elected to waive the condition Buyer Comment (2019-03-06): Waived
1450000764	3/6/2019	1	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,104.34 on Final Closing Disclosure provided on 05/XX/2018 not accurate.	Verified input.		5/XX/2019	Reviewer Comment (2019-03-06): Incorrect supplemental tax amount captured. The amounts disclosed on the CD and initial escrow deposit were correct. Buyer Comment (2019-03-06): Waived
1450000764	3/6/2019	1	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.	The documents in the file support taxes and insurance of $554.99/mo and the payment stream indicates $554.94/mo.		5/XX/2019	Reviewer Comment (2019-03-06): Incorrect supplemental tax amount captured. The amounts disclosed on the CD and initial escrow deposit were correct. Buyer Comment (2019-03-06): Waived
1450000764	3/6/2019	1	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan.	The documents in the file support taxes and insurance of $554.99/mo and the payment stream indicates $554.94/mo.		5/XX/2019	Reviewer Comment (2019-03-06): Incorrect supplemental tax amount captured. The amounts disclosed on the CD and initial escrow deposit were correct. Buyer Comment (2019-03-06): Waived
1450000764	3/6/2019	1	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2018 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.	The documents in the file support taxes and insurance of $554.99/mo and the payment stream indicates $554.94/mo.		5/XX/2019	Reviewer Comment (2019-03-06): Incorrect supplemental tax amount captured. The amounts disclosed on the CD and initial escrow deposit were correct. Buyer Comment (2019-03-06): Waived
1450000764	3/6/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan.	The documents in the file support taxes and insurance of $554.99/mo and the payment stream indicates $554.94/mo.		5/XX/2019	Reviewer Comment (2019-03-06): After further review, the finance charge was disclosed correctly.
1450000764	3/6/2019	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $92.18 on Final Closing Disclosure provided on 05/XX/2018 not accurate.	The HOA dues are $8.33/mo which would be $99.96 over the course of the year.		5/XX/2019	Reviewer Comment (2019-03-06): Client elected to waive the condition Buyer Comment (2019-03-06): Waived
1450000764	3/6/2019	1	Missing Document: Fraud Report not provided		The loan file did not contain a Fraud report.			Reviewer Comment (2019-03-08): Received fraud report.Cleared. Seller Comment (2019-03-07): Fraud Report
1450000764	3/6/2019	2	Due Diligence results do not confirm loan defect provided		The defect reason provided on the tape could not be confirmed -- borrower had a prior foreclosure that was not on the credit report. None of the documents in the loan file confirmed the existence of the prior foreclosure so the defect could not be confirmed.			Reviewer Comment (2019-03-06): Client elected to waive the condition Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-04-02): Received searches for all parties. Condition cleared. Seller Comment (2019-04-01): Fraud Reviewer Comment (2019-03-25): Reviewed additional exclusionary list provided. The search is missing searches for the Seller, XXX, the Real estate broker and Seller's Authorized Representative. Please see page 2 of the Co-broker Agreement. Seller Comment (2019-03-22): Additional Fraud Report Reviewer Comment (2019-03-12): Fraud report provided does not include all participants of the transaction. Search did not include the seller's or their agents and any realtors involved. Condition remains. Seller Comment (2019-03-11): Fraud
1450000763	4/2/2019	3	FHA - Amendatory Clause is not compliant.	-	Not signed by seller.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	The Hazard Insurance Policy effective date is after the Transaction Date.	Hazard Insurance Policy Effective Date ___, Transaction Date: ___	Hazard Insurance Policy Effective Date 08/XX/2018, Transaction Date: 08/XX/2018			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.	Borrower's total contribution is ___ (___).				Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		$1495.00 shortfall.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Ineligible for a manual FHA Underwrite due to credit history. 4000.1 requires no installment or mortgage lates within last 12 months for manual UW. Borrower has two 30 day installment lates dated 4/2018 and 5/2018.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	1	Public Record Issue:	-	4000.1 requires letter of explanation from borrower for all charge-offs, missing from file.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	1	Public Record Issue:	-	4000.1 requires letter of explanation from borrower for all charge-offs, missing from file.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Not saleable, defect confirmed.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan Designation per Ability to Repay			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.	-	DE signature missing, required for manual UW.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000763	4/2/2019	3	FHA - Real Estate Certification is not compliant.	-	Not signed by sellers.			Reviewer Comment (2019-03-07): The buyer has elected to waive this exception. Buyer Comment (2019-03-06): Waived
1450000762	3/18/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. UW issue/income source: gift fund documentation in the file show it came from a related party and the address on the bank statements to source the gift are the same as the subject property. As they (the borrower and the donor) were purchasing the property they were renting. This product requires that we document the income of all occupants of the property to support they are within the income limits of the program. There was no income documents for donor, related party. Seller held DPA 2nd for $15,000.00. XXX			Reviewer Comment (2019-03-18): The buyer has elected to waive this exception. Buyer Comment (2019-03-12): Waived
1450000762	3/18/2019	1	North Carolina Rate Spread Threshold Test Compliant	North Carolina Rate Spread Home Loan: APR on subject loan of 5.88540% or Final Disclosure APR of 5.91900% is in excess of allowable threshold of APOR 3.92% + 1.5%, or 5.42000%. Compliant Rate Spread Home Loan.				Reviewer Comment (2019-03-21): Buyer accepted the exceptions Buyer Comment (2019-03-20): Acknowledged Reviewer Comment (2019-03-18): Exception reflects a compliant status. Buyer Comment (2019-03-14): The loan is a Rebuttable Presumption QM loan. Per our Compliance / Disclosure Department this loan is acceptable as a Higher Cost Loan and is allowed with specific safeguards for the borrower - no appraisal receipt waiver, no escrow waiver etc.
1450000762	3/18/2019	2	TRID Final Closing Disclosure Fee Terminology	TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on 09/XX/2017 did not use the same fee terminology as the Loan Estimate.	The initial LE's disclosed a Doc Prep fee paid to the lender; however the fee name was changed to Document Delivery Fee on the CD's in file. The fee terminology was inconsistent between the LE and CD.		9/XX/2018	Reviewer Comment (2019-03-18): The buyer has elected to waive this exception. Buyer Comment (2019-03-12): Waived
1450000761	3/20/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Misrep of employment. The borrower's employer did not exist. The employer list is a part of FNMA's fraudulent employer list. Assets,The transfer of gift funds was not documented. $65,000 no evidence of transfer from donor / funds excluded from available assets.			Reviewer Comment (2019-03-20): Buyer accepted the exceptions Buyer Comment (2019-03-19): Acknowledged
1450000761	3/20/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	The employer is not a valid employer and deemed to be fraudulent. In addition, the 2017 W-2 was not supplied as required.			Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	The full transfer and confirmation of all gift funds was not confirmed resulting in a shortfall of assets to close the transaction. This is a confirmed defect of this loan.			Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	1	There are red flags on the fraud report that have not been addressed	-	The fraud report identifies misrepresentation in the loan file is highly likely. The file contains no pre close due diligence to offset the red flags.			Reviewer Comment (2019-03-20): Received required information. Cleared. Seller Comment (2019-03-19): Fraud alerts
1450000761	3/20/2019	3	Employer is on FNMA fraudulent business list.	-	Loan defect confirmed as a result of the employer being on the FNMA list.			Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	1	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	There is no evidence that the Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing. Missing proof of delivery of initial CD.		6/XX/2019	Reviewer Comment (2019-03-20): Received evidence. Cleared. Seller Comment (2019-03-19): CD
1450000761	3/20/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The reinspection fee was no disclosed on the Loan Estimate nor was a valid change of circumstance provided. A post closing cure was evidenced on a CD provided on 08/XX/2018		6/XX/2019	Reviewer Comment (2019-03-12): $150 cure provided on Final CD.
1450000761	3/20/2019	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	No evidence of $65,000.00 transfer from donor / funds excluded from available assets.			Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.	No evidence of $65,000.00 transfer from donor / funds excluded from available assets.			Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	3	AUS Findings: Available for Closing discrepancy.	Documented qualifying Assets of ___ is less than AUS Available for Closing of ___.	No evidence of $65,000.00 transfer from donor / funds excluded from available assets.			Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.	No documentation in file stating Loan Designation.			Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.				Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000761	3/20/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.	Acknowledged.		6/XX/2019
1450000760	3/20/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. The seller contributions on the subject transaction exceed the maximum allowable seller contributions. Exceeds 2% contribution per seller guides for Investment property..			Reviewer Comment (2019-03-20): Buyer accepted the exceptions Buyer Comment (2019-03-19): Acknowledged
1450000759	3/20/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Misrep of employment. The loan closed 1/XX/18. Borrower was not employed as of 12/XX/17. Loss of income increases DTI to 56%. Work number verification of employment completed on 12/XX/2017 confirms borrower is an active employee with a start date of 5/XX/1995. Work number verification of employment completed on 1/XX/2018 confirms borrower is an active employee with a start date of 5/XX/1995. VVOE completed on 1/XX/18 confirms borrower is currently employed with a start date of 5/XX/1995.			Reviewer Comment (2019-03-20): Buyer accepted the exceptions Buyer Comment (2019-03-19): Acknowledged
1450000759	3/20/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	$4.50 violation due to increase in (Title - GARC (Lender Policy) fee). File does not contain a valid COC for this fee, nor evidence of cure.		1/XX/2019	Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000759	3/20/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Policy Guarantee Fee. Fee Amount of $4.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Tolerance exceeded for Title - Policy Guarantee Fee Amount of $4.50 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower.		1/XX/2019	Reviewer Comment (2019-03-20): The buyer has elected to waive this exception. Buyer Comment (2019-03-19): Waived
1450000758	3/27/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed : all loans now current, were late payers within first 90 days.			Reviewer Comment (2019-03-27): The buyer has elected to waive this exception. Buyer Comment (2019-03-26): Waived
1450000758	3/27/2019	1	Investment Property Submitted as QM	Qualified Mortgage (Dodd-Frank 2014): Improper Originator Loan Designation. Investment property not subject to Qualified Mortgage requirements.	Investment property submitted as QM.			Reviewer Comment (2019-03-27): The buyer has elected to waive this exception. Buyer Comment (2019-03-26): Waived
1450000758	3/27/2019	3	Aged document: Asset Account date is more than 90 days prior to the note.	- Asset Account Date: ___	XXX policy statement exceeds 90 days.			Reviewer Comment (2019-03-27): The buyer has elected to waive this exception. Buyer Comment (2019-03-26): Waived
1450000757	4/1/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000757	4/1/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	The loan is not saleable utilizing the AUS approval due to the missing documentation and because the DTI exceeds 43% it does not meet QM.			Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000757	4/1/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is not saleable due to the known defect and the DTI exceeds the QM benchmark of 43%.			Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000757	4/1/2019	1	TRID Final Closing Disclosure Contact Information - Lender	TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 05/XX/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID).	Final CD did not disclose the required Lender Contact NMLS ID.		5/XX/2019	Reviewer Comment (2019-04-12): Attention received primary contact thru the broker. Lender contact does not have a NMLS # Seller Comment (2019-04-11): Attestation Reviewer Comment (2019-04-09): Under the SFIG RMBS 3.0 Compliance Review Scope, if lender attests that the primary contact point with the consumer was through the broker, and not the lender, we can clear the exception. Please advise/attest whether this is the situation on this particular file. Seller Comment (2019-04-08): LOE NMLS No Reviewer Comment (2019-04-02): AMC received Final CD. Page 5 missing Contact NMLS ID for the Lender Contact. Please provided Post Close CD and LOE to borrower to cure. Seller Comment (2019-04-02): CD with Lender contact info
1450000757	4/1/2019	3	QM Employment History - Current Job after Gap	Qualified Mortgage (Dodd-Frank 2014): Current Job History post-Gap with LOE, lacking 6 months on current job.	Borrower's current employment history under 6 months.			Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000757	4/1/2019	2	Due Diligence results do not confirm loan defect provided		Do not agree with defect of missing W-2 for the previous year. The borrower was a student the previous year and started employment on 01/XX/2018, therefore there was no W-2 for the previous year.			Reviewer Comment (2019-04-01): Buyer accepted the exceptions Buyer Comment (2019-03-29): Acknowledged
1450000757	4/1/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000756	4/1/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Property has 2 Units but AUS run with 1. S&D *The subject property is verified as a 2 unit residential property as confirmed on the Appraisal in the loan file.			Reviewer Comment (2019-04-01): Buyer accepted the exceptions Buyer Comment (2019-03-29): Acknowledged
1450000756	4/1/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000756	4/1/2019	3	AUS Findings: Property type discrepancy.	Appraisal property type of ___ does not match AUS property type of ___.	Per Appraisal subject property is a two unit dwelling not a single family.			Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000756	4/1/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM.				Reviewer Comment (2019-04-01): The buyer has elected to waive this exception. Buyer Comment (2019-03-29): Waived
1450000733	4/4/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-04-04): Received Fraud report. Cleared. Seller Comment (2019-04-03): Fraud
1450000733	4/4/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Loan has an Identity of Interest and LTV cannot exceed 85%. Loan is no longer eligible for FHA financing.			Reviewer Comment (2019-04-03): The buyer has elected to waive this exception. Buyer Comment (2019-04-02): Waived
1450000733	4/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed : Uninsured FHA loan due to identity of interest. Max LTV should have been limited to 85% because borrower did not live in the property for a full 6 months prior to contract date. Borrower also has greater than 1K in disputed accounts, so loan should have been manual underwrite. Borrower does not have the one month PITIA reserves required for manual underwrite.			Reviewer Comment (2019-04-03): Buyer accepted the exceptions Buyer Comment (2019-04-02): Acknowledged
1450000733	4/4/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	Missing a full access letter from Buyer's spouse per FHA guidelines for the XXX account ending #XXX.			Reviewer Comment (2019-04-03): The buyer has elected to waive this exception. Buyer Comment (2019-04-02): Waived
1450000733	4/4/2019	3	FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.	-	The issue date of document is 12/XX/2018. However, the date of the Appraisal is 12/XX/2018.			Reviewer Comment (2019-04-03): The buyer has elected to waive this exception. Buyer Comment (2019-04-02): Waived
1450000733	4/4/2019	1	North Carolina Rate Spread Threshold Test Compliant	North Carolina Rate Spread Home Loan: APR on subject loan of 7.02600% or Final Disclosure APR of 7.02800% is in excess of allowable threshold of APOR 4.85% + 1.5%, or 6.35000%. Compliant Rate Spread Home Loan.	The loan is failing State High Price testing. Additional conditions may be required.			Reviewer Comment (2019-04-03): The buyer has elected to waive this exception. Buyer Comment (2019-04-02): Waived
1450000733	4/4/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Due to an Identity of Interest the maximum LTV cannot exceed 85%. The actual LTV is 96.50%.			Reviewer Comment (2019-04-03): The buyer has elected to waive this exception. Buyer Comment (2019-04-02): Waived
1450000733	4/4/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Higher Priced QM.	Compliance report test reflects loan passed High Cost test and that loan is designated Presumption of Compliance QM. However, Clarity High Priced tests failed.			Reviewer Comment (2019-04-03): The buyer has elected to waive this exception. Buyer Comment (2019-04-02): Waived
1450000733	4/4/2019	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	XXX account ending #XXX is in the name of Buyer's spouse only. Per FHA guidelines, A full access letter from spouse is required, but is missing.			Reviewer Comment (2019-04-03): The buyer has elected to waive this exception. Buyer Comment (2019-04-02): Waived
1450000732	4/4/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM.	Unable to determine origination Loan Designation from documentation.			Reviewer Comment (2019-04-04): The buyer has elected to waive this exception. Buyer Comment (2019-04-03): Waived
1450000732	4/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed : HPML			Reviewer Comment (2019-04-04): The buyer has elected to waive this exception. Buyer Comment (2019-04-03): Waived
1450000732	4/4/2019	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.	4 months reserves required per AUS. 3.26 months per review.			Reviewer Comment (2019-04-04): The buyer has elected to waive this exception. Buyer Comment (2019-04-03): Waived
1450000731	4/8/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Final inspection of completed work was not provided on 203k loan.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Dwelling coverage amount is $XXX.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived Reviewer Comment (2019-06-28): Hazard insurance doc provided has 2019/2020 policy period. Loan closed 2017. Coverage shortfall of $XXX remains. Seller Comment (2019-06-27): Insurance
1450000731	4/8/2019	3	AUS Findings: All conditions were not met		All conditions were not met. Loan required final inspection or 2nd appraisal of completed work.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Mortgae insurance cert was not provided for loan with documents.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	Assets required from borrower at closing exceeds amount of assets verified with bank statements.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	Document was provided and signed at closing by borrowers.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	Initial HUD Addendum 92900-A is missing.	-	Initial 92900-A was not provided.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	Disclosure was provided and signed by borrowers at closing on 08/XX/17.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	2nd appraisal for final inspection of work completed was not provided for subject.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Compliance report indicates Safe Harbor.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% tolerance violation of $275.19 was not provided. Provide a post-close CD disclosing the tolerance cure of $275.19, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		8/XX/2018	Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $500.19 exceeds tolerance of $225.00. Insufficient or no cure was provided to the borrower.	Loan Discount Points were disclosed as $225 on LE and increased to $500.19 on Final CD. No valid COC provided, nor evidence of cure in file.		8/XX/2018	Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	CD was issued 08/XX/17. Closing was 08/XX/17. Only two day prior to closing,.		8/XX/2018	Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	1	TRID Service Provider Timing	TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	Settlement providers were provided on 08/XX/17.		8/XX/2018	Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000731	4/8/2019	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.			8/XX/2020	Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000730	4/8/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000730	4/8/2019	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	List not located.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000730	4/8/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Value not supported. *After a review of the origination appraisal in the loan file which is dated 9/XX/2015 and a Field Review Report dated 10/XX/2015, it appears the data collected from each company supports a final determination of $XXX. It is noted on both reports that limited sales of dwellings similar to the subject, the appraiser acquired other comparables in other major thoroughfares with had no effect on the value or marketability.			Reviewer Comment (2019-04-08): The buyer has elected to waive this exception. Buyer Comment (2019-04-05): Waived
1450000729	4/5/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed : Appraiser selected by AMC was on investors ineligible list. *Unable to confirm loan defect reason through loan documentation.			Reviewer Comment (2019-04-05): Buyer acknowledged the exception Buyer Comment (2019-04-04): Acknowledged
1450000729	4/5/2019	2	NMLS (Loan Origination Company Status)	Truth in Lending Act (NMLSR Dodd- Frank 2014): Loan Originator Organization not in approved license status to conduct loan origination activities.	The NMLS website does not reflect Loan Officer worked for Origination Company. Additionally, the Origination Company does not show approved in Georgia during origination through closing.		7/XX/2018	Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000728	3/26/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $72.40 exceeds tolerance of $70.00. Sufficient or excess cure was provided to the borrower at Closing.			4/XX/2018
1450000728	3/26/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	Missing Employment Dates for prior Employment. AUS called for 1 year, which was provided, but ATR or QM testing is asking for 2 years. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000728	3/26/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.				Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000728	3/26/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000728	3/26/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - The loan file is missing evidence the borrower completed the required Homebuyer Education Counseling prior to closing.			Reviewer Comment (2019-04-05): Buyer acknowledged the exception Buyer Comment (2019-04-04): Acknowledged
1450000727	4/5/2019	1	Public Record Issue:	-	Documentation showing the lien was paid was not found in the file			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	3	Rental Income Documentation - Schedule E Method	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided.	Missing 2014 Tax returns			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	3	Rental Income Documentation - Schedule E Method	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Transcripts / Returns not provided.	Missing 2014 tax returns			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Second appraisal ordered in error and not allowed by FHA. No material changes in value between the two, but unable to insure with FHA.			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan designation is HUD Safe Harbor QM per Mavent.			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	1	RESPA 2010 - GFE vs HUD 10 Percent Fees	RESPA (2010): 10% tolerance violation without evidence of sufficient cure provided.	No cure provided			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	2	TIL Finance Charge Tolerance	Truth In Lending Act: Final TIL Finance Charge of $XXX is underdisclosed from calculated Finance Charge of $XXX in the amount of $XXX.	XXX		10/XX/2018	Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	1	Missing Document: Bankruptcy Documents not provided					Reviewer Comment (2019-04-12): Complete bankruptcy docs provided. Seller Comment (2019-04-11): Bankruptcy documents
1450000727	4/5/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-04-05): The buyer has elected to waive this exception. Buyer Comment (2019-04-04): Waived
1450000727	4/5/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Second appraisal ordered in error and not allowed by FHA. No material changes in value between the two, but unable to insure with FHA.			Reviewer Comment (2019-04-05): Buyer acknowledged the exception Buyer Comment (2019-04-04): Acknowledged
1450000726	4/9/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed; IRA distribution income was miscalculated and added twice. Once removed, DTI increased to 52.55% and AUS is reflecting ineligible findings.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000726	4/9/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	The AUS allowed a DTI of 49.61%; however review determined, based on the income letter of explanation added to the 1040, that income should include Pension, interest dividends and social security income based on the 2017 tax return. Additionally, effective 08/XX/2018, an IRA distribution began in the amount of $5,600 monthly. Based on the 2017 tax return, Pension, social security and Interest Dividends account for $5,643.50 monthly resulting for a decrease in monthly income of $734.09 from what was used for qualifying resulting in an excessive DTI.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000726	4/9/2019	1	AUS Findings: All conditions were not met		The loan file was missing award letters supporting "Other"Income used in qualifying.			Reviewer Comment (2019-04-10): Received supporting docs for all income. Condition Cleared. Seller Comment (2019-04-09): Other Income LOX and Documentation
1450000726	4/9/2019	3	Income documentation requirements not met according to the AUS in file.		The loan file is missing award letters or additional verification of "Other"income.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	1	Missing Document: Note - Subordinate Lien not provided		Missing Note for 2nd mortgage which is down payment assistance from XXX with no payment required.			Reviewer Comment (2019-04-18): Received required documentation. Condition cleared. Seller Comment (2019-04-17): 2nd mortgage documents including note on page 17
1450000725	4/18/2019	2	Due Diligence results do not confirm loan defect provided		Loan defect of missing Engineer Certificate was confirmed as there is no Engineer Certificate in the file; however, it cannot be confirmed if this was actually an investor requirement as stated and it appears to have been waived per Approval and Lender Correspondence in file.			Reviewer Comment (2019-04-09): Buyer acknowledged the exception Buyer Comment (2019-04-08): Acknowledged
1450000725	4/18/2019	3	AUS Findings: All conditions were not met		Missing pay stub from current Employer - WVOE was done prior to start date and does not reflect any income yet.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	3	Income Docs Missing:	- ___	Missing pay stub for current employment. Missing CPA letter to confirm start and end date of prior business-XXX			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Missing pay stub from current employer.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.	Email sent to Borrower in regards to receipt of appraisal on 5/XX/2018.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency salable and the investor guidelines were not provided.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	1	TRID Final Closing Disclosure Prepaid Property Tax Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 did not disclose number of months for Property Tax under Prepaids.	Number of months was not listed on Closing disclosure for Property Taxes.		6/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% and 10% tolerance violations of $701.45 was not provided. Provide a post-close CD disclosing the tolerance cure of $701.45, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		6/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	No receipt of Home Loan Toolkit in file		6/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,813.25 exceeds tolerance of $1,428.00 plus 10% or $1,570.80. Insufficient or no cure was provided to the borrower.	10% tolerance exceeded by $ 242.45. No valid COC provided, nor evidence of cure in file.		6/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Document Preparation Fee. Fee Amount of $50.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Title Document Preparation Fee was not disclosed on LE. No valid COC provided, nor evidence of cure in file.		6/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $819.00 exceeds tolerance of $410.00. Insufficient or no cure was provided to the borrower.	Notary Fee was disclosed as $410 on LE and increased to $819 on Final CD. No valid COC provided, nor evidence of cure in file.		6/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000725	4/18/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.				Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000724	4/9/2019	2	Due diligence results confirm loan defect provided		Defect reason on tape has been confirmed. HPML issue: On the HPM, the lock date shows as 6/XX/18, the Fed rate that day was 4.650%, the APR is 6.179%, the difference is 1.529% which makes this an HPML.			Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000724	4/9/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Higher Priced QM.				Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000724	4/9/2019	2	TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 7,566.72 on Final Closing Disclosure provided on 07/XX/2018 not accurate.	The Amount of Estimated Property Costs over Year 1 of 7,566.72 on Final Closing Disclosure provided on 07/XX/2018 did not include the annual $238.00 hazard insurance premium.		7/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000724	4/9/2019	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $299.41 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Abstract Title search not listed until final CD. No cure or valid Change of Circumstance was provided to the borrower.		7/XX/2019	Reviewer Comment (2019-04-17): Received invoice from abstract entity. Condition cleared. Seller Comment (2019-04-16): lien search invoice from title showing association Reviewer Comment (2019-04-11): Reviewed rebuttal. The issue is, even though the Title - Lien Search is reflected in Section C and is not listed on the SSPL list, the payee is paid to "XXX". There is no way to determine who the payee is and if they are affiliated with the closer/abstract company. Please provide evidence of who the payee is and proof they are affiliated with the company the borrower chose. Condition remains. Seller Comment (2019-04-10): XXX rebuttal
1450000724	4/9/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $480.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Transfer tax not listed until final CD. No cure or valid Change of Circumstance was provided to the borrower.		7/XX/2019	Reviewer Comment (2019-04-17): The buyer has elected to waive this exception. Buyer Comment (2019-04-16): Waived Reviewer Comment (2019-04-11): Per buyer request, seller fees are to be included in tolerance testing, Seller paid Transfer Tax of $480 is causing a tolerance violation. Exception referred to XXX for review and disposition Seller Comment (2019-04-10): XXX rebuttal
1450000724	4/9/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% tolerance violations of $779.41 was not provided. Provide a post-close CD disclosing the tolerance cure of $779.41, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		7/XX/2019	Reviewer Comment (2019-04-09): The buyer has elected to waive this exception. Buyer Comment (2019-04-08): Waived
1450000723	4/17/2019	1	Missing Document: Missing Final 1003		Missing Final 1003.			Reviewer Comment (2019-04-17): Received final 1003. Condition cleared. Seller Comment (2019-04-16): Final 1003
1450000723	4/17/2019	1	Missing Document: Flood Certificate not provided		Missing Flood Certificate.			Reviewer Comment (2019-04-17): Received flood cert. Condition cleared. Seller Comment (2019-04-16): Flood Cert
1450000723	4/17/2019	3	Missing Document: General Services Administration (GSA) not provided		Missing General Services Administration document.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided		Missing Limited Denials of Participation.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Loan Designation per Mavent HUD Safe Harbor QM.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Missing Mortgage Insurance Certificate and Mortgage Insurance Evidence.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.	-	Missing FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B).			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	Final HUD Addendum 92900-A is missing.	-	Missing FHA - Final HUD Addendum to the Loan Application 92900-A.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	FHA Loan Transmittal (92900-LT) is missing.	-	Missing FHA - Loan Transmittal (92900-LT).			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	Real Estate Certification is missing.	-	Missing FHA - Real Estate Certification.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. File closed with a .85 MI FHA factor for 120 months instead of the life of the loan. *Per FHA guidelines MIP must be for term of loan if LTV is greater than 95%. The initial Addendum to the Application reflects a term of 120 months. However, other verification of the MIP term such as final Addendum, Mortgage Insurance Certificate and FHA Case Query is missing.			Reviewer Comment (2019-04-10): Buyer acknowledged the exception Buyer Comment (2019-04-09): Acknowledged
1450000723	4/17/2019	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.	Missing initial escrow account statement.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	2	Massachusetts HPML Threshold Test Compliant	Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of 6.04920% or Final Disclosure APR of 6.08500% is in excess of allowable threshold of APOR 4.56% + 1.5%, or 6.06000% Compliant Higher Priced Loan.	Loan failed State High Priced testing. Additional conditions may be required.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.	There is not a lump sum credit or any credit reflected on the final Closing Disclosure.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	Rental Income Documentation - 25% Method	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement not provided or % of gross rents used is greater than 75%.	75% vacancy factor was used.Market rent used.Missing lease agreement.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived Reviewer Comment (2019-04-10): No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. Please advise which guidelines are applicable. Buyer Comment (2019-04-09): Question from Seller: Do we need a rental agreement on the subject property when it was vacant at purchase?
1450000723	4/17/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan Designation set per Compliance Report.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000723	4/17/2019	3	AUS Findings: Available for Reserves discrepancy.	Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___.	Short reserves: $3,917.00 verified: $3,242.49 required per AUS.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000722	4/29/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-04-29): Received required Fraud Report. Cleared. Seller Comment (2019-04-26): Attached
1450000722	4/29/2019	1	Income Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend.	Used only 2017 income when two years are required to meet Appendix Q.. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-09-04): Client provided guidelines to review and documentation requirements were met Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Income Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend.	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Income Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend.	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Income Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend.	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Used only 2017 income when two years are required to meet Appendix Q. Missing 2016 Signed and Dated Personal Tax return (with Sched C); most recent YTD quarterly P&L Statement and balance Sheet.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived
1450000722	4/29/2019	1	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000722	4/29/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Disclosure was not in file.		12/XX/2019	Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000722	4/29/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	There is no evidence that the Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing.		12/XX/2019	Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived Reviewer Comment (2019-04-29): There is a 3rd CD dated 12/XX/2018 with a closing date of 12/XX/2018 and disbursement date of 12/XX/2018. This is the CD that is at issue. No evidence was provided when the borrower received this CD. Condition remains. Seller Comment (2019-04-26): Attached
1450000722	4/29/2019	1	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 12/XX/2018 not received by borrower at least four (4) business days prior to closing.	There is no evidence that the Revised Loan Estimate provided on 12/XX/2018 was received by borrower at least four (4) business days prior to closing.		12/XX/2019	Reviewer Comment (2019-04-29): Received evidence of borrower's receipt. Condition cleared. Seller Comment (2019-04-26): Attached
1450000722	4/29/2019	1	Rental Income Vacating Primary	Qualified Mortgage (Dodd-Frank 2014): Analysis of Rental income requirement not met. Borrower's current address matches the REO property address.	Borrower's current address matches the REO property address. 1008 notes indicate co-borrower's present home is being leased with lease in file. No info on if co-borrower will continue to reside there or elsewhere.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-30): The buyer has elected to waive this exception. Buyer Comment (2019-04-29): Waived Reviewer Comment (2019-04-29): Received letter from borrower, however, the non-occupant borrower, as reflected on the 1008 and the non-occupant borrower's final 1003 reflects this borrower will not be occupying the subject property. Additional information in the file indicates the non-occupants primary residence is a SFR, therefore rental income would not be acceptable to use. Condition remains Seller Comment (2019-04-26): Attached
1450000722	4/29/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000722	4/29/2019	1	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Designation of NonQM determined by review differs from origination designation of Safe Harbor QM.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000722	4/29/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - defect was occupancy concerns, large unsourced deposits and questionable leases from family members.			Reviewer Comment (2020-08-31): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-04-10): Buyer acknowledged the exception Buyer Comment (2019-04-09): Acknowledged
1450000722	4/29/2019	2	Check Restated Loan Designation Match - General Ability to Repay	Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.	Client provided guidelines to review and designation was updated to Non-QM
1450000721	4/29/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-04-29): Received required Fraud report. Condition cleared. Seller Comment (2019-04-26): Attached
1450000721	4/29/2019	1	Missing Document: Purchase Agreement / Sales Contract not provided					Reviewer Comment (2019-04-29): Received purchase agreement. Condition cleared. Seller Comment (2019-04-26): Attached
1450000721	4/29/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: Master condo policy only covered liability insurance. Borrowr refused to obtain sufficient coverage. *Twelve months H06 insurance was collected on final Closing Disclosure and HOA Blanket policy provided. No other evidence of defect located.			Reviewer Comment (2019-04-10): Buyer acknowledged the exception Buyer Comment (2019-04-09): Acknowledged
1450000721	4/29/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.	Missing rate lock date and last date rate set.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000721	4/29/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $1,650.00 exceeds tolerance of $900.00. Sufficient or excess cure was provided to the borrower at Closing.			11/XX/2019
1450000721	4/29/2019	2	ARM Disclosure Timing Test	TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three (3) days of application.			11/XX/2019	Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000721	4/29/2019	2	TRID Closing Disclosure Issue Date Not Provided	TILA-RESPA Integrated Disclosure: Closing Disclosure estimated to be provided on 10/XX/2018 did not disclose the actual Date Issued. Compliance testing may be unreliable using an estimated Date Issued based on best information available.	A Closing Disclosure signed by Borrower 10/XX/2018 is missing the issue date.		11/XX/2019	Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000721	4/29/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Evidence the Home Loan Toolkit was provided to Buyer within three days of application is missing.		11/XX/2019	Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000721	4/29/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	An acknowledgement of receipt of Appraisal at least 3 days prior to closing was not signed by the Borrower.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000721	4/29/2019	2	CHARM Booklet Disclosure Timing	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower within three (3) days of application.	Evidence the CHARM Booklet was provided to Buyer within three days of application is missing. An acknowledgement of receipt was signed at closing.		11/XX/2019	Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000721	4/29/2019	3	Missing Document: AUS not provided		Missing AUS.			Reviewer Comment (2019-04-10): The buyer has elected to waive this exception. Buyer Comment (2019-04-09): Waived
1450000719	4/11/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		MI certificate not in file			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	Missing disclosure from file for LO compensation			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 12/XX/2017 did not disclose number of months for homeowner's insurance under Prepaids.	# of Months were not disclosed on Final CD for insurance reserves. However, PC CD corrected.		12/XX/2018	Reviewer Comment (2019-04-10): PC CD corrected number of months for Homeowners Insurance in Section F.
1450000719	4/11/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan Designation of HUD Safe Harbor QM reflected on Mavent.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	1	TRID Alternate Table Usage	TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction.	Initial LE disclosure was issued on the "With Seller" form, and Final LE and all CDs, disclosures were issued on the "Without Seller" form.		12/XX/2018	Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	2	TRID Final Closing Disclosure Fee Terminology	TILA-RESPA Integrated Disclosure: Final Closing Disclosure provided on 12/XX/2017 did not use the same fee terminology as the Loan Estimate.	Initial LE has an "Application Fee" in section A that was renamed "Underwriting Fee" for all subsequent LE's and CDs.		12/XX/2018	Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $510.00 exceeds tolerance of $500.00. Sufficient or excess cure was provided to the borrower at Closing.	Excess cure of $20.60 was provided to the borrower at Closing.		12/XX/2018
1450000719	4/11/2019	3	FHA - Important Notice to Homebuyer (92900-B) is not compliant.	-	FHA - Important Notice to Homebuyer (92900-B) not signed by borrowers.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	FHA - Important Notice to Homebuyer (92900-B) not dated within 3 days of application.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	FHA - Informed Choice Disclosure not dated within 3 days of application.			Reviewer Comment (2019-04-11): The buyer has elected to waive this exception. Buyer Comment (2019-04-10): Waived
1450000719	4/11/2019	3	FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.	-	FHA - Initial HUD Addendum to the Loan Application 92900-A missing borrower and lenders signatures.
1450000719	4/11/2019	2	Due diligence results confirm loan defect provided		Confirmed: borrower has another FHA loan and does not qualify for multiple FHA loan program.			Reviewer Comment (2019-04-11): Buyer acknowledged the exception Buyer Comment (2019-04-10): Acknowledged
1450000718	4/23/2019	3	AUS Findings: All conditions were not met		FHA Connection indicates that loan must be manually underwritten. Borrower does not have sufficient reserves for manual underwrite. Uninsurable. UFMIP refunded & monthly MI removed.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000718	4/23/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible- Please advise which guidelines are applicable			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000718	4/23/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 09/XX/2016 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Final CD reflects escrow contributions from the lender in the amount of $432.88 which is causing the variance in the payment.		9/XX/2017	Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000718	4/23/2019	2	Due diligence results confirm loan defect provided		Defect Reason provided on tape has been confirmed - FHA Connection indicates that loan must be manually underwritten. Borrower does not have sufficient reserves for manual underwrite.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000718	4/23/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	FHA Connection indicates that loan must be manually underwritten. Borrower does not have sufficient reserves for manual underwrite. Uninsurable. UFMIP refunded & monthly MI removed.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000718	4/23/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan Designation of Safe Harbor QM reflected on Mavent.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000718	4/23/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000717	4/23/2019	3	Guideline Requirement: PITIA reserves months discrepancy.	Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___.	The borrower did not provide sufficient amount of reserves when closing.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000717	4/23/2019	2	Due diligence results confirm loan defect provided		Per the guidelines, the borrower should have closed with 3 months of reserves. The borrower closed with no months of reserves per the loan file.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000717	4/23/2019	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.					Reviewer Comment (2019-04-24): Received updated information. Condition cleared. Seller Comment (2019-04-23): In the state of Arizona, we cannot require that the borrower obtain insurance coverage for an amount exceeding the replacement value of the improvements on the property - see AZ Anti-Coercion Insurance Disclosure. The Evidence of Insurance reflects that the policy includes home replacement cost which provides an additional 50% of coverage amount. Insurance is sufficient.
1450000717	4/23/2019	3	The Hazard Insurance Policy effective date is after the Transaction Date.		The policy provided in the loan reflects an effective start date as 5/XX/2018.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000717	4/23/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA.			Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000717	4/23/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 05/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Final Closing Disclosure provided on 05/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.		5/XX/2019	Reviewer Comment (2019-04-23): The buyer has elected to waive this exception. Buyer Comment (2019-04-22): Waived
1450000716	4/24/2019	3	Missing Document: Approval not provided					Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured					Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - DTI exceeds max allowed for manual underwrite. Loan was approved at 45.4/46.9%. Debt was erroneously omitted. Large deposit not sourced/documented. When omitted debt added ratios go up to 45/53%. 1) The installment payment of $104 should not have been excluded since it exceed 5% of the Borrower's total income. 2) The large deposit of $3,600 was excluded from assets since it was not sourced. Therefore, Borrower is short funds to close and does not have the required 1 months reserves for a manual underwrite.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	1	Public Record Issue:	-	This is a disputed collection and lender did not obtain the required documentation.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	3	AUS Findings: All conditions were not met		File is missing the source for the large deposit in the amount of $3,600.00			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	File is missing the source document and letter of explanation regarding the large deposit of $3,600.00			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	1	Income documentation requirements not met according to the AUS in file.		File is missing the Award letters for the Social Security Disability Income and the other disability income.			Reviewer Comment (2019-04-24): Received required documentation.Condition cleared. Seller Comment (2019-04-23): Social Security Awards Letter and Disability Explanation of Benefits
1450000716	4/24/2019	1	Social Security Documentation	Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient.				Reviewer Comment (2019-04-24): Received required information. Condition cleared. Buyer Comment (2019-04-23): Acknowledged
1450000716	4/24/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	DTI and lack of compensating factors makes this loan ineligible for an insured FHA loan.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	The designation determined by the review differs from the designation indicated at origination.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Total QM Debt Ratio exceeds 43% and the loan does not meet agency requirements.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2018 disclosed a Closing Date that did not match the actual date of consummation.	The closing date and date of all of the documents was 4.XX.18. The Notary Date was 4.XX.18.		4/XX/2019	Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	The escrow payment of $378.30. Borrower paid $191.50 and the Seller paid as part of the seller credit paid the remaining $186.80.		4/XX/2019	Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 10% tolerance violation of $102.60 was not provided. Provide a post-close CD disclosing the tolerance cure of $102.60, a copy of the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		4/XX/2019	Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000716	4/24/2019	1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD.	The fee for the HOA Working Capital was not provided on the Borrower's final closing disclosure.		4/XX/2019	Reviewer Comment (2019-04-29): Not all fees paid by the seller were listed on borrower's final CD
1450000716	4/24/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,098.00 exceeds tolerance of $1,814.00 plus 10% or $1,995.40. Insufficient or no cure was provided to the borrower.	10% tolerance exceeded by $102.60. No valid COC provided, nor evidence of cure in file.		4/XX/2019	Reviewer Comment (2019-05-01): Client has elected to waive. Buyer Comment (2019-04-30): Waived Reviewer Comment (2019-04-29): Tolerance violation is not due to the Engineer's Certification. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to XXX for review and disposition Buyer Comment (2019-04-26): The original LE was disclosed with an Engineer's Cert Fee in the amount of $250. The initial CD reflected that the Engineer's Cert Fee was increased to $400, which would have required a cure, HOWEVER the Consummation CD and Funding CD reflected that the final fee was $150, which was less than what was originally disclosed therefore a cure was not required.
1450000716	4/24/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Insufficient funds. Assets actually verified are less than the amount that was entered in DU. Uninsurable.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Insufficient funds. Assets actually verified are less than the amount that was entered in DU. Uninsurable. Asset checking account from XXX of $45,000 on the DU was not provided or verified in loan file.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	2	TRID non-compliant: Missing Seller's Closing Disclosure.		Missing the 2nd page of the Seller's CD detailing the costs paid by the seller. On the first page of the disclosure provided, it reflects $11,870,.50 paid by the seller. On the borrower's final CD, seller paid fees are noted as $10,460. Unable to determine the other fees paid by the seller in the amount of $1410.50.		4/XX/2019	Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	Missing $45,000 XXX statement.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	3	AUS Findings: Available for Reserves discrepancy.	Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___.	Short reserves. Missing XXX statement.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	HUD Safe Harbor QM per Mavent in file.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000715	4/24/2019	3	Social Security Documentation	Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-04-25): The buyer has elected to waive this exception. Buyer Comment (2019-04-24): Waived Reviewer Comment (2019-04-24): Re-reviewed file contents, only 1 month bank statement was provided for the borrower receiving SS income. Exception is due to loan defect and because Loan is no longer agency eligible - please advise which guidelines are applicable to determine compliance. Buyer Comment (2019-04-23): There are 2 months worth of bank statements verifying direct deposits from the SSA into the borrowers bank account. She is 69 years old so it is not likely that she won't continue to receive this income for the foreseeable future. We did not obtain any additional documentation and will not be able to provide anything further at this time. As a reminder, this loan is being sold "as is" on a scratch and dent basis.
1450000714	4/24/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Borrowers used money pooled from XXX but it was not documented properly. No documentation available for the XXX which was needed for assets and reserves. File is not eligible for manual underwrite due to missing letter of explanation for derogatory credit. Further review of file revealed that income used to qualify is not supported by paystubs and W-2s in the file. Uninsurable.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed:Borrowers used money pooled from XXX but it was not documented properly. No documentation available for the XXX which was needed for assets and reserves. File is not eligible for manual underwrite due to missing letter of explanation for derogatory credit. Further review of file revealed that income used to qualify is not supported by paystubs and W-2s in the file. Uninsurable.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	3	AUS Findings: All conditions were not met		The funds used for qualifying were to be sourced from the XXX accnt. A letter of explanation regarding the large deposit was provided;however no additional documentation regarding the source account was provided. The AUS also required explanation of the derogatory credit noted on the credit report which was not provided in the loan file. Evidence of disability was required and the loan file contained no disability verification. Lastly, the WVOE used for qualifying was incomplete and did not support the income noted on the pay stubs.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	1	Case # Assignment does not indicate "All borrowers passed SSN validation".		The loan file contained a Case Query with the verbiage of passing SSN validation but the loan file was missing the assignment with such verbiage.			Reviewer Comment (2019-04-24): Received updated assignment. Condition cleared. Seller Comment (2019-04-23): Case Query & Case Number Assignment Results
1450000714	4/24/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	The funds used for qualifying were to be sourced from the XXX account. A letter of explanation regards the large deposit was provided;however no additional documentation regarding the source account was provided.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing evidence of disability. The loan file contained no disability verification. Lastly, the WVOE used for qualifying was incomplete and did not support the income noted on the pay stubs.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	1	Public Record Issue:	-	Missing letter of explanation for Collection accounts Cavalry Portfolio Serv and Convergent.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing evidence of disability. The loan file contained no disability verification. Lastly, the WVOE used for qualifying was incomplete and did not support the income noted on the pay stubs.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Due to income and asset verification issues, the loan is not eligible to be insured by FHA.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Non QM.	Loan Designation selected from compliance report.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 06/XX/2018 disclosed a Closing Date that did not match the actual date of consummation.	The Final CD closing date was 06/XX/2018; however the notary date on the mortgage was dated 06/XX/2018.		6/XX/2019	Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	The escrow payment was verified and captured as disclosed pn page 2 of the final CD; HOA dues not included.		6/XX/2019	Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000714	4/24/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000713	4/24/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Case number was cancelled. New case number was assigned but no new appraisal was ordered. Uninsurable.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000713	4/24/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed:case number was cancelled. New case number was assigned but no new appraisal was ordered. Uninsurable.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000713	4/24/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000713	4/24/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan not insurable by FHA due to no new appraisal performed after case number re-assigned.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000713	4/24/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	HUD Safe Harbor QM per Mavent.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000713	4/24/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000713	4/24/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 03/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Per the FInal CD, the seller ha paid $296.00 of the borrower's escrow costs, which is the reason for the discrepancy.		3/XX/2019	Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000712	4/22/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	On the Work Number WVOE it reflects the borrower has been with the company for 3 years and 1 month however it states the Most recent start date and original hire date is both 8/XX/2018.			Reviewer Comment (2019-04-22): The buyer has elected to waive this exception. Buyer Comment (2019-04-19): Waived
1450000712	4/22/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Safe Harbor QM per Mavent in file.			Reviewer Comment (2019-04-22): The buyer has elected to waive this exception. Buyer Comment (2019-04-19): Waived
1450000712	4/22/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.	The loan file does not contain a breakdown or itemization of fees that were included in the finance charges or a lump sum credit.			Reviewer Comment (2019-04-22): The buyer has elected to waive this exception. Buyer Comment (2019-04-19): Waived
1450000712	4/22/2019	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	Missing Seller CD.		2/XX/2020	Reviewer Comment (2019-04-22): The buyer has elected to waive this exception. Buyer Comment (2019-04-19): Waived
1450000712	4/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Income was calculated using the Work Number VOE but the YTD income and W2 did not match work number VOE income. Paystub and W2 reflect a different income. Income received is less than annual income shown on work number VOE. Using calculated income from YTD paystub and W2, ratios exceed 58%. **Per the Work Number WVOE the YTD income as of 12/XX/2019 for the borrower is $2163.50 and the income reported on the WVOE for 2018 is $2942.36 which is in line with the 2018 W2. On the Work Number WVOE is reflects the borrower is paid $7528.26 semi-monthly but this does not match the other income documents provided. The YTD average income was used of $1545.36 resulting in a DTI of 66.401%.			Reviewer Comment (2019-04-22): Buyer acknowledged the exception Buyer Comment (2019-04-19): Acknowledged
1450000712	4/22/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-22): The buyer has elected to waive this exception. Buyer Comment (2019-04-19): Waived
1450000712	4/22/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-04-22): The buyer has elected to waive this exception. Buyer Comment (2019-04-19): Waived
1450000710	4/24/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Loan is a 4 unit property so the max LTV under HomeReady is 75%. Loan funded as SFR 1 Unit and 97% LTV.			Reviewer Comment (2019-04-24): Buyer acknowledged the exception Buyer Comment (2019-04-23): Acknowledged
1450000710	4/24/2019	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.					Reviewer Comment (2019-05-03): The buyer has elected to waive this exception. Buyer Comment (2019-05-02): Waived Reviewer Comment (2019-05-01): New HOI declaration page provided and the coverage amount is still short by $2400. NOTE: the revised declaration page verified a higher premium than the amount used to establish the escrow account. Provide a revised declarations page with sufficient coverage and if the premium increased from the amount used to calculate the escrows on the final CD, additional exceptions may apply. Condition remain outstanding. Seller Comment (2019-05-01): Corrected HOI Reviewer Comment (2019-05-01): The document provided shows the replacement cost of $XXX, but the coverage amount is only $XXX. Coverage is still short $XXX based on 80% of the replacement cost - the coverage amount. The comment states XXX confirmed coverage of $XXX including Dwelling and Replacement Cost but nothing was provided to confirm this (updated declarations page). Provide a letter of explanation from the insurance co stating there is guaranteed replacement cost coverage or an updated declarations page verifying the guaranteed replacement cost or sufficient coverage. Condition remains Seller Comment (2019-05-01): Please see attached cost estimator from XXX. XXX at XXX noted that the coverage is $XXX total including the Dwelling and Replacement Cost - Similar Construction
1450000710	4/24/2019	3	AUS Findings: All conditions were not met		The loan file reflected the borrower owned another residence and per guidelines, to utilize the HomeReady program, the borrower must have been a first time home buyer when financing a SFR to obtain an LTV over 95%.			Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000710	4/24/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election as permitted under SFIG RMBS 3.0 TRID Compliance Review Scope Version 2.0 (updated October 2018). If no itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges). Anti-predatory lending points and fees testing are not impacted.				Reviewer Comment (2019-04-24): The buyer has elected to waive this exception. Buyer Comment (2019-04-23): Waived
1450000709	4/29/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Loan was originated as FHA, but is not eligible to be insured as an FHA loan due to ineligible case number assignment and 2nd job income used that was not eligible due to length of employment.			Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of FHA Case Number predates the loan files because it was used for a prior file for the same borrower has been confirmed. The case number assignment was dated 03/2018 and the updated 1003 was dated in 08/2018. The assignment number provide on the Case Number Assignment matched the HA Case Number listed on all the closing documents. 2nd job income was also used that was not eligible due to length of employment.			Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	New Case number not reassigned per FHA regulations, and 2nd job income used was ineligible per HUD guidelines as it has been active for < 2 consecutive, uninterrupted years.			Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Non QM.	Designation determined by the review differs from that provided at origination.			Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is not eligible for purchase by HUD.			Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $522.73 exceeds tolerance of $100.00. Insufficient or no cure was provided to the borrower.	Cure of $422.73 was reflected, which is sufficient to cure increased credit report fee, however per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations.		10/XX/2019	Reviewer Comment (2019-04-29): Cure provided on the final CD
1450000709	4/29/2019	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,545.22 on Final Closing Disclosure provided on 10/XX/2018 not accurate.			10/XX/2019	Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000709	4/29/2019	1	TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.	.		10/XX/2019	Reviewer Comment (2019-05-20): Client included MI during optional period. Seller Comment (2019-05-17): PCCD
1450000709	4/29/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Evidence of CD delivery was not provided on 10/XX/2018, which is the date of issuance for the final CD. Only the evidence that the CD was signed on 10/XX/2018 was received.		10/XX/2019	Reviewer Comment (2019-04-29): The buyer has elected to waive this exception. Buyer Comment (2019-04-26): Waived
1450000707	5/2/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in CA. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2018 declared end date.			Reviewer Comment (2019-05-02): The buyer has elected to waive this exception. Buyer Comment (2019-05-01): Waived
1450000707	5/2/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Income not documented - retirement. ** For verification of retirement income, the AUS required a letter from the organization providing the income. In this case, the distributions expected to begin 02/XX/2018 were from XXX. The loan file contained a letter from the borrower's Financial Adviser from XXX citing the borrower's intent to begin distributions in 02/2018; however re-review was unable to verify sufficient assets to support sustaining five years of distributions as the loan file was missing all asset documentation.			Reviewer Comment (2019-05-02): Buyer acknowledged the exception Buyer Comment (2019-05-01): Acknowledged
1450000707	5/2/2019	3	AUS Findings: All conditions were not met		The AUS required verification of assets totaling $132074.38. The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced.			Reviewer Comment (2019-05-02): The buyer has elected to waive this exception. Buyer Comment (2019-05-01): Waived
1450000707	5/2/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing Co-Borrower verification of employment. Borrower missing IRA statements to verify income duration. Business tax returns for most recent 2 years as business reflecting 3 years in operation and third party verification. P&L and balance sheet not provided.			Reviewer Comment (2019-05-02): The buyer has elected to waive this exception. Buyer Comment (2019-05-01): Waived
1450000707	5/2/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	The AUS required verification of assets totaling $132074.38 missing from file.			Reviewer Comment (2019-05-02): The buyer has elected to waive this exception. Buyer Comment (2019-05-01): Waived
1450000707	5/2/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Unable to verify receipt of appraisal			Reviewer Comment (2019-05-02): The buyer has elected to waive this exception. Buyer Comment (2019-05-01): Waived
1450000707	5/2/2019	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	The file was missing required asset verification. Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced.			Reviewer Comment (2019-05-02): The buyer has elected to waive this exception. Buyer Comment (2019-05-01): Waived
1450000706	5/10/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing YTD- P&L statement for Borrower's business.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	1	Missing Document: Fraud Report not provided		Missing Fraud Report.			Reviewer Comment (2019-05-16): Received Fraud report. Cleared. Seller Comment (2019-05-15): Fraud Guard Report
1450000706	5/10/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	Explanation and source of large deposits were not addressed.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: HUD identified several missing documents which they needed to complete insurance. Some of these we have received but others we have not been able to locate. FINDINGS FROM HUD: Missing evidence source of funds for deposits 5/XX $2,240 and 5/XX $4,000; missing documentation to verify $100 monthly payment with IRS for 2015 tax year; missing documentation as to the source of funds used to pay off XXX $16,982 and XXX $3,734.24; missing evidence of permanent residency; and, missing year to date profit and loss statement. **Missing P&L statement for Borrower's business , missing source and explanation for large deposits, XXX account shows being paid off no evidence in file for payoff and source of funds.			Reviewer Comment (2019-05-10): Buyer acknowledged the exception Buyer Comment (2019-05-09): Acknowledged
1450000706	5/10/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Missing Mortgage Insurance Certificate.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.	3 months reserves per AUS. .63 months provided.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	There is no evidence that the Initial CD Closing Disclosure was provided to Borrower(s) at least three (3) business days prior to closing. An acknowledgement of receipt of CD dated 06/XX/2017 is in the file; however, it is not clear which CD that is in reference too as there were CDs issued on 06/XX/2017 and 06/XX/2017.		6/XX/2018	Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	1	Self-Employed Tax Return Recency - ATR	Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017.	Missing tax returns for 2017. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	1	Self-Employed Tax Return Recency	Qualified Mortgage (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date 05/XX/2017, Most Recent Tax Return End Date 12/XX/2015, Tax Return Due Date 04/XX/2017.	Missing 2016 tax returns. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	Missing 2016 tax returns and current year P&L statement. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Missing current year P&L statement.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Per compliance report, loan is HUD Safe Harbor QM.			Reviewer Comment (2019-05-10): Buyer acknowledged the exception Buyer Comment (2019-05-09): Acknowledged
1450000706	5/10/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.	Affiliated Business Arrangement Disclosure dated 05/XX/2017 with an application date of 05/XX/2017.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	AUS Findings: All conditions were not met		Missing evidence source of funds for deposits 5/XX $2,240 and 5/XX $4,000; missing documentation to verify $100 monthly payment with IRS for 2015 tax year; missing documentation as to the source of funds used to pay off Toyota $3,734.24; missing evidence of permanent residency; and, missing year to date profit and loss statement.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing year to date profit and loss statement.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	Important Notice to Homebuyer (92900-B) was provided 05/XX/2017 not within 3 days of Application date of 05/XX/2017.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	Informed Choice Disclosure was provided 06/XX/2017 not within 3 days of Application date of 05/XX/2017.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000706	5/10/2019	2	FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.	-	Initial HUD Addendum to the Loan Application 92900-A was provided 05/XX/2017 not within 3 days of Application date of 05/XX/2017.			Reviewer Comment (2019-05-10): The buyer has elected to waive this exception. Buyer Comment (2019-05-09): Waived
1450000705	5/16/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2018 declared end date. Note: this is a post-consummation disaster.			Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	3	Employer is on FNMA fraudulent business list.	-	Shield Technologies reflected on FNMA fraudulent business list.			Reviewer Comment (2019-05-17): Buyer acknowledged the exception Buyer Comment (2019-05-16): Acknowledged
1450000705	5/16/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 12/XX/2017 disclosed a Closing Date that did not match the actual date of consummation.	TRID regulations require the Closing date on the CD to match the consummation date 12/XX/17.		12/XX/2018	Reviewer Comment (2019-05-13): Corrected on PC CD.
1450000705	5/16/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	Employment dates captured per the WVOE docs in the loan file for the current and prior employers.			Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	The total of QM fees of $XXX exceeds the allowable max threshold of $XXX.			Reviewer Comment (2019-08-15): XXX please advise if you are waiving or acknowledging this exception? Buyer Comment (2019-08-14): Cleared - Seller provided refund, letter and proof of delivery. XXX accepts the remedy based on exception discover date vs. 201 days from consummation. Reviewer Comment (2019-08-13): Lender provided a refund check for the overage amount along with a letter of explanation and proof of delivery; however the refund was provided > 210 days from consummation and the condition cannot be cured. Seller Comment (2019-08-09): Refund check and proof of delivery Reviewer Comment (2019-07-31): To cure this exception, the following information must be provided: If a creditor or assignee determines after consummation that the total points and fees exceeds the QM Points and Fees limit, but the loan meets the other requirements to be a QM, the QM Points and Fees exception can be cured through a refund including interest at the contract rate from consummation to the date of cure, with the following conditions: 1) Refund is made within 210 days of consummation; 2) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; 3) The loan is not 60 days delinquent; 4) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer (the creditor or assignee can only take advantage of this cure provision if they maintain policies and procedures for post-consummation review of points and fees and for providing the cure payments); and 5) The loan was closed on or before January 10, 2021; Documents Required to Cure 1) Letter of Explanation 2) Copy of Refund Check (in the amount of overage plus interest) 3) Proof of Delivery 4) Lender/Seller Attestation indicating: a) The consumer has not instituted any actions against the creditor or provided written notice that the loan's fees exceeded the legal limit; b) The loan is not 60 days delinquent; and c) The creditor or assignee (depending who is curing) has policies in place to identify and cure excessive fees collected from the consumer Condition remains at this time. Seller Comment (2019-07-30): Fees and Points Refund
1450000705	5/16/2019	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	List of Homeownership Counseling Organizations not within 3 days of application date 10/XX/19.			Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	1	TRID Home Loan Toolkit Timing	Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	Home Loan Toolkit Disclosure not within 3 days of application date 10/XX/19.		12/XX/2018	Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	2	TRID Loan Estimate Timing	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.	Initial LE not within 3 days of application date 10/XX/19.		12/XX/2018	Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	1	TRID Service Provider Timing	TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	List of Service Providers not within 3 days of application date 10/XX/19.		12/XX/2018	Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000705	5/16/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Cannot confirm the existence of the borrower's reported place of employment. **On FNMA fraudulent business list.			Reviewer Comment (2019-05-16): The buyer has elected to waive this exception. Buyer Comment (2019-05-15): Waived
1450000704	5/11/2019	3	AUS Findings: Loan amount discrepancy.	Note loan amount of ___ exceeds AUS loan amount of ___.				Reviewer Comment (2019-05-11): The buyer has elected to waive this exception. Buyer Comment (2019-05-10): Waived
1450000704	5/11/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-11): The buyer has elected to waive this exception. Buyer Comment (2019-05-10): Waived
1450000704	5/11/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	DTI exceeds the guideline max of 43% due to an auto lease payment with XXX for $499 was originally excluded from the total debt obligations.			Reviewer Comment (2019-05-11): The buyer has elected to waive this exception. Buyer Comment (2019-05-10): Waived
1450000704	5/11/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	There is an auto lease with XXX for $499 per month with a balance of $3995 that was not counted in the total debt obligations. Adding this consumer debt back in results in a DTI that exceeds 43%.			Reviewer Comment (2019-05-11): The buyer has elected to waive this exception. Buyer Comment (2019-05-10): Waived
1450000704	5/11/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 03/XX/2019 disclosed a Closing Date that did not match the actual date of consummation.	The final Closing Disclosure reflects a Closing Date of 03/XX/2018, but the transaction consummation (mortgage notary) date was 03/XX/2018. Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.		3/XX/2020	Reviewer Comment (2019-05-11): The buyer has elected to waive this exception. Buyer Comment (2019-05-10): Waived
1450000704	5/11/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for the 10% tolerance violation in the amount of $747.40 was not provided. Provide a post-close CD disclosing the tolerance cure of $747.40, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		3/XX/2020	Reviewer Comment (2019-05-11): The buyer has elected to waive this exception. Buyer Comment (2019-05-10): Waived
1450000704	5/11/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Loan has two defects 1.) The loan amount on the Freddie Mac LPA accept does not match the note and the remaining documents. Total loan amount on the loan docs is $XXX. LP reflects $XXX. 2.) There is an auto lease that was not included in the DTI (even though it is less than 10 months, we must include). With lease included, the DTI goes to 49.97%. Because of these issues, there is no way to correct the LPA post-closing to get an Accept, and the DTI is too high for a Freddie Mac manual underwrite. Fannie Mae/DU will not work either. Loan is unsalable to both Freddie Mac and Fannie Mae. Please note. Loan was originated with a 25% coverage single premium policy (ok per Freddie Mac Home Possible guidelines) - we are checking with XXX to see if they will allow the policy to stay in force. Please bid both with and without MI coverage.			Reviewer Comment (2019-05-11): Buyer acknowledged the exception Buyer Comment (2019-05-10): Acknowledged
1450000704	5/11/2019	1	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,002.60 exceeds tolerance of $232.00 plus 10% or $255.20. Insufficient or no cure was provided to the borrower.	Cure for the 10% tolerance violation in the amount of $747.40 was not provided. Provide a post-close CD disclosing the tolerance cure of $747.40, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Note: the final CD included the title fees in section B that were subject to the 10% tolerance that were not paid to a provider on the SSPL. The fees should have been disclosed in section C.		3/XX/2020	Reviewer Comment (2019-05-16): Reviewed updated information. Condition cleared. Seller Comment (2019-05-15): LOX
1450000704	5/11/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 03/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Received PCCD and letter to borrower, however the finance charge is now under-disclosed by $109.45.		3/XX/2020	Reviewer Comment (2019-06-10): Reviewed updated information. Condition cleared. Seller Comment (2019-06-07): LOX Reviewer Comment (2019-05-23): It appears the lender did not include the following fees in the prepaid finance charge: Title - Services Sales Tax of $54.60 and the Title - Sales Tax Title Insurance of $54.85. TRID compliance is calculating these fees in the prepaid finance charges. Condition remains. Seller Comment (2019-05-22): Letter of Explanation
1450000704	5/11/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	Acknowledged.			Reviewer Comment (2019-06-11): The buyer has elected to waive this exception. Buyer Comment (2019-06-10): Waived
1450000703	5/21/2019	3	Missing Document: Hazard Insurance Policy not provided					Reviewer Comment (2019-05-21): The buyer has elected to waive this exception. Buyer Comment (2019-05-20): Waived
1450000703	5/21/2019	3	Missing Document: Fraud Report not provided					Reviewer Comment (2019-05-23): The buyer has elected to waive this exception. Buyer Comment (2019-05-22): Waived
1450000703	5/21/2019	3	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	The borrower documentation is missing signatures on the tax returns, a 2017 ytd p/l and balance sheet for the business.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived Reviewer Comment (2019-05-28): This failure is due to default reason. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation is being required for QM/ATR testing. Therefore, a year to date P&L, Balance sheet and recent third party verification with employment dates would be required. Referring to buyer for review and disposition. Buyer Comment (2019-05-24): 5/24: This loan was underwritten to agency guidelines and those guidelines do not require a Profit/loss statement or balance sheet. We are not required to provide this document, and cannot obligate the client to do so. Please clear this condition.
1450000703	5/21/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-21): Buyer acknowledged the exception Buyer Comment (2019-05-20): Acknowledged
1450000703	5/21/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Due to the missing income documentation, the designation determined by the review is non-QM.			Reviewer Comment (2019-05-21): Buyer acknowledged the exception Buyer Comment (2019-05-20): Acknowledged
1450000703	5/21/2019	3	Comparables or Comparable adjustments are unreasonable for the value being supported	-	Fannie Mae states the comps chosen for the property by the appraiser were dissimilar and had significantly dissimilar locations and views. The property is located on a busy street surrounded by commercial buildings. The subject property driveway is accessed via a parking lot shared by a XXX convenience store and a commercial trucking company. Title Company reviewed the loan and determined it was difficult to locate comps that had similar commercial property surroundings.			Reviewer Comment (2019-05-21): The buyer has elected to waive this exception. Buyer Comment (2019-05-20): Waived
1450000703	5/21/2019	2	Due diligence results confirm loan defect provided		Confirmed: Fannie Mae states the comps chosen for the property by the appraiser were dissimilar and had significantly dissimilar locations and views. The property is located on a busy street surrounded by commercial buildings. The subject property driveway is accessed via a parking lot shared by a 7/11 convenience store and a commercial trucking company. Title Company reviewed the loan and determined it was difficult to locate comps that had similar commercial property surroundings.			Reviewer Comment (2019-05-21): Buyer acknowledged the exception Buyer Comment (2019-05-20): Acknowledged
1450000702	5/23/2019	3	Missing Document: Fraud Report not provided		Missing fraud report			Reviewer Comment (2019-05-23): The buyer has elected to waive this exception. Buyer Comment (2019-05-22): Waived
1450000702	5/23/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Compliance - Client had a foreclosure recorded 10/XX/2013 which is within 7 years of application. Credit report did not reflect a foreclosure. **The loan file does not contain evidence of a Foreclosure that was filed or recorded on behalf of the borrower within 7 years of the application date.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000702	5/23/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan Designation of Temporary SHQM (GSE/Agency Eligible).			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000701	5/22/2019	3	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___				Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000701	5/22/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 1099, 1099-SSA, Awards letter/Continuance letter.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000701	5/22/2019	3	Missing Document: Fraud Report not provided		Missing Fraud Report.			Reviewer Comment (2019-05-23): The buyer has elected to waive this exception. Buyer Comment (2019-05-22): Waived
1450000701	5/22/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000701	5/22/2019	3	Retirement Documentation	Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient.	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the Award Letter and 1099 form for the borrower's Pension income.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000701	5/22/2019	3	Social Security Documentation	Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient.	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the Award Letter and the SSI 1099 form for the borrower's Social Security Income.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived Reviewer Comment (2019-05-22): As required by DU, paragraph 20 required either current proof of receipt or the SSA award letter. The only evidence in the loan file is the borrower's 2016 1040's. The loan closed 02/XX/2018. Condition remains. Buyer Comment (2019-05-21): Fannie allows for the use of a 1040 or tax trancript as proof of the SSI. XXX is the only one on the tax returns so we know it is his income.
1450000701	5/22/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Safe Harbor QM.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000701	5/22/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000701	5/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Undisclosed Liability - The client has two debts that were not included in the DTI. The client opened a new car debt on 1/XX/18 prior to close on 2/XX/18. The debt did not begin report to credit until 6/XX/18. XXX debt was excluded from DTI as being the client's ex-spouses' responsibility. The mortgage was obtained 15 years after the client's divorce and the divorce decree does not assign responsibility for it. Fannie confirmed that the client is the sole signor of the mortgage note. Inclusion of this debts increases DTI to > 71%.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000700	5/28/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived Reviewer Comment (2019-05-22): AMC agrees that there is no requirement to retain the LDP / GSA searches, but without the searches we cannot verify that all searches are performed on the correct parties and that there were no issues. Exception referred to XXX for review and disposition. Buyer Comment (2019-05-22): we perform the LDP search on every transaction. We do not upload the search results to our system, but it is done on every transaction. Below is the link to the list of parties on the LDP database. https://www5.hud.gov/Ecpcis/main/ECPCIS_List/main/ECPCIS_List.jsp please downgrade or waive this exception as neither borrower is on this list
1450000700	5/28/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	3	The Hazard Insurance Policy effective date is after the Transaction Date.	Hazard Insurance Policy Effective Date ___, Transaction Date: ___	The insurance effective date was noted as 10/XX/2018, four days post close.			Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	2	Appraisal is required to be in name of Lender	-	The appraisal is in the name of Union Home Mortgage, who was not the Lender.			Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 3,817.68 on Final Closing Disclosure provided on 10/XX/2018 not accurate.	The Escrowed Property Costs over Year 1 of 3,817.68 includes the mortgage insurance while the escrow break down of $233.26 on page 1 does not.		10/XX/2019	Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	2	TRID Final Closing Disclosure Total Amount for Recording Fees	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 10/XX/2018 disclosed the total amount for all recording fees on a line other than the first line.	Seller CD including an easement recording fee not reflected on the final CD.		10/XX/2019	Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Ineligibility due to improperly calculating monthly obligations.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000700	5/28/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	The designation provided at origination differs from the one determined by the review.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000700	5/28/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan.	The Finance Charge calculated by the review was $XXX; however the Finance Charge disclosed on the Final CD was only $XXX		10/XX/2019	Buyer Comment (2019-05-30): Cleared Reviewer Comment (2019-05-30): Lender provided an itemization of the lump sum credit. The finance charge was correctly disclosed on the final CD. Reviewer Comment (2019-05-24): PCCD, LOE, copy of any refund check and proof of delivery required in order to address the exception. Seller Comment (2019-05-23): Please see the attached CD addendum which verifies that the seller covered those fees you listed. Reviewer Comment (2019-05-23): AMC received documentation and compared fees included in finance charges. The discrepancy is due to included the following fees that are verified to be finance charges: Flood Cert $5, Loan Origination Fee $1095.25, MIP $2110.94, Prepaid Interest $292.91, Tax Service Fee $54, Title CPL $50, Title Courier $90, and Title Settlement $250. The finance charge is underdisclosed by $1567.10. Please provide corrected CD, LOE, Refund Check, and Proof of Delivery to cure. Seller Comment (2019-05-22): see attached calculation
1450000700	5/28/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	Final Closing Disclosure provided on 10/XX/2018 disclosed a Total Interest Percentage of 96.23% that does not match the actual total interest percentage of 96.25%.		10/XX/2019	Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	2	TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.	The Monthly Escrow Payment of $233.26 did not include the $84.88/month for mortgage insurance.		10/XX/2019	Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% and 10% tolerance violations in the amount of $884.36 was not provided. Provide a post-close CD disclosing the tolerance cure of $884.36, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		10/XX/2019	Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-125.04 is less than amount of binding Lender Credit previously disclosed in the amount of $-998.00.	The loan file did not contain a cure in the amount of $872.96 for the binding lender credit.		10/XX/2019	Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $128.00 exceeds tolerance of $106.00 plus 10% or $116.60. Insufficient or no cure was provided to the borrower.	10% tolerance was exceeded by $11.40 due to changes in recording fees. No valid COC provided, nor evidence of cure in file.		10/XX/2019	Reviewer Comment (2019-05-22): Client elected to waive the condition Buyer Comment (2019-05-21): Waived
1450000700	5/28/2019	2	Due diligence results confirm loan defect provided		Confirmed: Undisclosed Liability - There are two delinquent student loan debts. The underwriter incorrectly thought the debts were discharged through 2016 bankruptcy, but they were actually transferred to the Department of Education. We confirmed the client is still working to pay off this debt. Repayment Agreement in file confirming debt to be repaid.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000700	5/28/2019	3	Missing Document: Fraud Report not provided					Reviewer Comment (2019-05-23): The buyer has elected to waive this exception. Buyer Comment (2019-05-22): Waived
1450000700	5/28/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-09-10): SitusAMC received required documents, exception is cleared.
1450000700	5/28/2019	1	TRID Closing Disclosure Partial Lump Sum Credit	Partial Lump Sum Credit Allocation on Separate Itemization - Compliance Review Required				Reviewer Comment (2019-09-10): SitusAMC received required documents, exception is cleared.
1450000699	5/23/2019	3	Missing Document: Fraud Report not provided					Reviewer Comment (2019-05-23): The buyer has elected to waive this exception. Buyer Comment (2019-05-22): Waived
1450000699	5/23/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Employment - We discovered post-closing the client is no longer employed, and was not employed through the closing date. We have verified the client is now retired, and when using his non-employment income the loan does not qualify as DTI is greater than the program max.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000699	5/23/2019	3	AUS Findings: All conditions were not met		The Loan File does not contain a Verification of Employment completed within 10 days of closing as required the AUS.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000699	5/23/2019	1	Hazard Insurance Policy expires within 90 days of the Note Date.					Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000699	5/23/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	The file is missing a verification of employment with 10 days of closing.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000699	5/23/2019	3	Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval.	-	The appraiser marked the appraisal as being Owner Occupied instead of Tenant Occupied.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000699	5/23/2019	1	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.					Reviewer Comment (2019-05-22): Received corrected document. Cleared. Seller Comment (2019-05-22): Please see the attached documentation. We sent a letter to the borrower back in January to provide us with the new HOI policy. We asked them to send it to "XXX. ISAOA". They sent us a new policy from XXX that is currently in effect. We are the servicer and the borrower escrows their HOI with us.
1450000699	5/23/2019	3	Borrower is not currently employed.	-	Discovered post-closing the client is no longer employed, and was not employed through the closing date. Verified the client is now retired.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has been confirmed: Employment - Client has confirmed he was unemployed from 03/XX/18 through 07/XX/18. He was employed at XXX 07/XX/18 - 12/XX/18 and XXX 11/XX/18 to 12/XX/18. No indication on employment status since end of 2018. Client remains Current. **End date for current employer was provided on the Work Number verification dated 3/XX/2018. Borrower is reflected as inactive as of 3/XX/2018. Loan defect is valid based on documentation in the loan file.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000698	5/22/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Safe Harbor QM per QM Findings.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000698	5/22/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	Homeowners Insurance Premium (section F - pg 2) does not match the per month calculation. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.		4/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	Disclosure reflects TIP of 43.859% but calculated TIP is 43.752%, which is outside of .003% tolerance.		4/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure of $0.00 was reflected, which is insufficient to cure $118.00. Provide a post-close CD disclosing the tolerance cure of $118.00, a copy of the refund check for remaining cure of $118.00, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		4/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-32.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-150.00.	Fee disclosed was last disclosed as -$150.00 on LE but disclosed as -$32.00 on Final Closing Disclosure.		4/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,021.25 exceeds tolerance of $3,420.00. Insufficient or no cure was provided to the borrower.	Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file.		4/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000698	5/22/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000698	5/22/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $8,298.92 and disclosure timing violations.	The file was missing documentation verifying the borrower's consent to receive electronic documentation.		4/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $23.27 exceeds tolerance of $14.00. Insufficient or no cure was provided to the borrower.	Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file.		4/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor: Third Circuit	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.	The H-8 form was used, the H-9 form should have been used.		4/XX/2021	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000698	5/22/2019	3	Overtime Bonus Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000697	5/20/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Not eligible for FHA insuring. Uninsurable FHA. Used DU however loan required manual underwriter due to insufficient assets. 203k loan and all improvements have been completed and inspected.			Reviewer Comment (2019-05-20): The buyer has elected to waive this exception. Buyer Comment (2019-05-17): Waived
1450000697	5/20/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Originator Loan Designation of HUD Safe Harbor QM per Compliance Analysis Report.			Reviewer Comment (2019-05-20): Buyer acknowledged the exception Buyer Comment (2019-05-17): Acknowledged
1450000697	5/20/2019	2	Virginia MLBA Broker Notice	Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.	Missing Virginia MLBA Broker Notice document.			Reviewer Comment (2019-05-20): The buyer has elected to waive this exception. Buyer Comment (2019-05-17): Waived
1450000697	5/20/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $710.84 exceeds tolerance of $567.00. Insufficient or no cure was provided to the borrower.	Transfer Tax Fees disclosed was last disclosed as $567.00 on LE but disclosed as $710.84 on Final Closing Disclosure.		7/XX/2019	Reviewer Comment (2019-05-20): The buyer has elected to waive this exception. Buyer Comment (2019-05-17): Waived
1450000697	5/20/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for the 0% tolerance violation $143.84 was not provided. Provide a post-close CD disclosing the tolerance cure of $143.84 along with a copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		7/XX/2019	Reviewer Comment (2019-05-20): The buyer has elected to waive this exception. Buyer Comment (2019-05-17): Waived
1450000697	5/20/2019	3	Missing Document: General Services Administration (GSA) not provided		Missing General Services Administration (GSA).			Reviewer Comment (2019-05-20): The buyer has elected to waive this exception. Buyer Comment (2019-05-17): Waived
1450000697	5/20/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Uninsurable FHA. Used DU however loan required manual underwriter due to insufficient assets. 203k loan and all improvements have been completed and inspected. **The borrower received gift funds from her husband in the amount of $10,340. The most recent bank statement from XXX verified a closing balance of $10,430.40 as of 5/XX/2018. The borrower was required to come to closing with $3,523.09 per the final CD and closing documents in the loan file. One the 2nd page of the final CD it is noted that 50% of the initial draw for the 203K contractor work was paid at closing in the amount of $7,161.50 and a hold-back fund of the additional 50% of $7,161.50 was also set aside for when the work is completed. Unable to determine the amount that was insufficient for assets prior to closing.			Reviewer Comment (2019-05-20): Buyer acknowledged the exception Buyer Comment (2019-05-17): Acknowledged
1450000697	5/20/2019	1	TRID Invalid Section B Combinations	TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 07/XX/2018 reflects a fee Paid To lender or broker for fee within Services Borrower Did Not Shop For section.	Section B reflects 203K Inspection and 203K Title Update fees that are paid to the lender.		7/XX/2019	Reviewer Comment (2019-05-20): The buyer has elected to waive this exception. Buyer Comment (2019-05-17): Waived
1450000696	5/17/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Non Purchase - Excessive Ratios due to Loan qualified with incorrect property tax amount.			Reviewer Comment (2019-05-17): The buyer has elected to waive this exception. Buyer Comment (2019-05-16): Waived
1450000696	5/17/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-17): The buyer has elected to waive this exception. Buyer Comment (2019-05-16): Waived
1450000696	5/17/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable. Total debt to income ratio is excessive (56.166%) due to an improper property tax calculations.			Reviewer Comment (2019-05-17): The buyer has elected to waive this exception. Buyer Comment (2019-05-16): Waived
1450000696	5/17/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-17): The buyer has elected to waive this exception. Buyer Comment (2019-05-16): Waived
1450000695	5/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed -EPD. Breach pursuant to Flow Sale and Interim Servicing Agreement with XXX. Reference is hereby made to that certain Purchase Confirmation dated June 28, 2018 (the "Purchase Confirmation"), by and between Purchaser and Seller, pursuant to which the Purchaser and the Seller consummated the sale and purchase of certain mortgage loans ("Mortgage Loans"). All capitalized terms used herein and not otherwise defined herein shall have the meanings assigned to such terms in the Agreement and the Purchase Confirmation . The Purchaser has determined that the Mortgage Loan identified on Exhibit A attached hereto (the "Breached Loan") does not comply with certain warranties, representations and/or covenants made by Seller in the Transaction Documents, including, but not limited to, Sections 3.02 (a) and Uj) of the Agreement which defects materially and adversely affect the value of the Breached Loan and /or affect Purchaser's interest in the Breached Loan. Accordingly, pursuant to Section 3.03 of the Agreement, the Purchaser hereby requests that the Seller cure the defects identified on Exhibit B hereto no later than 60 days from the date of this notice of breach ("Cure Period"). If any such defects cannot be cured within the Cure Period, Seller shall repurchase the Breached Loan at the Repurchase Price prior to the expiration of the Cure Period. If Seller repurchases the Breached Loan, Purchaser and Seller shall arrange for the reassignment of the Breached Loan back to Seller and the delivery to Seller of any documents related to the Breached Loan held by Purchaser or on its behalf by a third party.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000694	5/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Incorrect Income Calculation - Self-employed calculation of Self Employment as $7,482.00 was incorrect. The DU required 2 years tax returns to document the borrower's income from Self Employment. Recalculating the income in accordance with the Selling Guide, including any DU requirements, if applicable, resulted in a revised income of $4840.00. Undisclosed Liability Fannie Mae Credit Report reported additional monthly debt with Suntrust Bank that was not disclosed in the loan application. Including this debt totaling $1,584.00 resulted in a revised debt-to-income ratio that could not be calculated which rendered the loan ineligible for delivery to Fannie Mae. DTI is 101.759% after these changes.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000694	5/22/2019	3	Missing Document: Credit Card Statement not provided		2 additional XXX accounts were excluded and documentation was not provided. Accts ending in XXX (installment, $224/ month payment) and acct ending in XXX (revolving - auth user, $82/ month payment). Borrower was removed from all other auth user accounts except for these prior to closing.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	3	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-05-24): Received Fraud report. Cleared. Seller Comment (2019-05-23): Fraud Report
1450000693	5/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of the loan closed at 100% CLTV without the Veteran having full Entitlement due to a previous Deed In Lieu. Therefore there is insufficient VA loan guaranty. Loan amount needed to be $XXX to receive bonus entitlement has been confirmed. The loan file contained a letter from the VA dated 11/XX/2018 explaining that the borrower did not meet restoration qualifications due to a loss on the amount of $13,848 that had not been repaid. Additionally, the VA provided a Certificate of Eligibility providing the remaining entitlement amount which reflected that basic entitlement up to $XXX could be established once the loss was repaid; evidence of repayment was not provided.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Acknowledged
1450000693	5/22/2019	3	AUS Findings: All conditions were not met		The AUS required the lender to verify satisfactory entitlement from the VA and the documents in the loan file indicated he had no entitlement.			Reviewer Comment (2019-05-22): Buyer acknowledged the exception Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	1	RESPA Initial Escrow Account Disclosure Compliant Test	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.	Initial escrow account statement initial deposit amount of $1,561.20 does not match charges of $1,564.86 on the Final Closing Disclosure.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	The loan designation determined by the review differs from the one provided at origination.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible and the DTI exceeds the QM benchmark of 43%.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Loan not eligible to be insured due to issues with entitlement allowance.			Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000693	5/22/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Certification Fee. Fee Amount of $79.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The Tax Certification Fee of $79.80 was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to NYMT for review and disposition		12/XX/2019	Reviewer Comment (2019-05-23): The buyer has elected to waive this exception. Buyer Comment (2019-05-22): Waived
1450000693	5/22/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% tolerance violation in the amount of $79.80 was not provided. Provide a post-close CD disclosing the tolerance cure of $79.80, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made. Per buyer request, seller fees are to be included in tolerance testing, Seller paid fees are causing tolerance violations. Exception referred to NYMT for review and disposition		12/XX/2019	Reviewer Comment (2019-05-23): The buyer has elected to waive this exception. Buyer Comment (2019-05-22): Waived
1450000693	5/22/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment of $1,147.29 that does not match the $1,564.86 escrow payment disclosed on page 2 due to the Seller paying $417.57 of the property taxes.		12/XX/2019	Reviewer Comment (2019-05-22): The buyer has elected to waive this exception. Buyer Comment (2019-05-21): Waived
1450000668	5/28/2019	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.	File is missing evidence of the FACTA disclosure being provided to borrower			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	The file is missing evidence of the List of Homeownership Counseling Organizations list being provided to borrower			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	2	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.	The Estimated Escrow amount disclosed in the Projected Payments section of $318.70 does not match the Estimated Taxes, Insurance & Assesments total of $337.56. Also, the escrow section on page 4 of the CD identified the Monthly Escrow Payment as $337.56.		9/XX/2019	Reviewer Comment (2019-09-12): PCCD cured and the SOL has expired and the re-opening of rescission is no longer required. Seller Comment (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. **No cure is required. Seller: PCCD was e-delivered. See attachments. Seller Comment (2019-09-11): see attachment Reviewer Comment (2019-07-25): Received LE's and COC, however for TRID remediation cure for this issue, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. Seller Comment (2019-07-25): see attach Reviewer Comment (2019-05-31): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. Buyer Comment (2019-05-30): This is a duplicate condition of 429051
1450000668	5/28/2019	2	TRID Final Closing Disclosure Estimated Escrow Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 disclosed an escrow payment for payment stream 2 that does not match the actual payment for the loan.	The Estimated Escrow amount disclosed in the Projected Payments section of $318.70 does not match the Estimated Taxes, Insurance & Assesments total of $337.56. Also, the escrow section on page 4 of the CD identified the Monthly Escrow Payment as $337.56.		9/XX/2019	Reviewer Comment (2019-09-12): PCCD cured and the SOL has expired and the re-opening of rescission is no longer required. Seller Comment (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. **No cure is required. Seller: PCCD was e-delivered. See attachments. Seller Comment (2019-09-11): see attachment. Reviewer Comment (2019-07-25): Received LE's and COC, however for TRID remediation cure for this issue, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. Seller Comment (2019-07-25): see attach Reviewer Comment (2019-05-30): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. Seller Comment (2019-05-29): Corrected CD, LOE, and proof.
1450000668	5/28/2019	2	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2016 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.	The total amount for the monthly escrow amount is $337.56 per month; however an escrow payment of $318.70 per month was included in the Estimated Total Monthly Payment.		9/XX/2019	Reviewer Comment (2019-09-12): PCCD cured and the SOL has expired and the re-opening of rescission is no longer required. Buyer Comment (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. *No cure is required. Seller: PCCD was e-delivered. See attachments. REFEF TO REMEDY DOCS PROVIDED FOR ABOVE EXCEPTION Reviewer Comment (2019-07-25): Received LE's and COC, however for TRID remediation cure for this issue, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. Seller Comment (2019-07-25): Attached are the missing LE's and COC Reviewer Comment (2019-05-31): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. Buyer Comment (2019-05-30): This is a duplicate condition- see 429051
1450000668	5/28/2019	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		9/XX/2019	Reviewer Comment (2019-09-12): PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. Buyer Comment (2019-09-11): XXX: Could not add additional language in the actual comment. However, PCCD cured the finance charge and the SOL has expired and the re-opening of rescission is no longer required. However, please provide proof of delivery for the PC CD. *No cure is required. Seller: PCCD was e-delivered. See attachments. REFEF TO REMEDY DOCS PROVIDED FOR ABOVE EXCEPTION Reviewer Comment (2019-05-30): Received PCCD dated 05/XX/2019 along with a letter to the borrower correcting multiple issues, however for TRID remediation cure, a copy of the refund check to the borrower, re-opening of rescission and evidence of delivery to the borrower is required. Seller Comment (2019-05-29): See attached LOX
1450000668	5/28/2019	1	TRID Settlement Service Provider Status	TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.	The file is missing evidence that the borrower was provided with the Settlement Service Providers list.		9/XX/2017	Reviewer Comment (2019-05-30): Received. Cleared. Seller Comment (2019-05-29): SPL attached
1450000668	5/28/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure of $46.28 was reflected, which is insufficient to cure $545.30. Provide a post-close CD disclosing the tolerance cure of $545.30 a copy of the refund check for remaining cure of $499.02, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	File is missing evidence of earlier receipt or waiver of 3 days		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,004.75 exceeds tolerance of $2,506.00. Insufficient or no cure was provided to the borrower.	Fee disclosed was last disclosed as 2,506.00 on LE but disclosed as $3,004.75 on Final Closing Disclosure.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	2	TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 08/XX/2016 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.	The amount of projected escrow payments listed on the final CD of $318.70 does not match the escrow payment of $337.56.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	1	TRID Final Closing Disclosure Without Seller - Closing Costs Financed	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.	The calculated financed closing costs would be $8,913.14		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	2	Due diligence results confirm loan defect provided		Defect Concur: 12 months have not passed since the time of the last transaction on the subject property, which is required for FHA cash out refinance. Defect does NOT concur: Additional debt which causes the ratios to increase over 51%. No evidence of additional debt is in the file. Income was miscalculated however.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	2	TRID Final Closing Disclosure Borrower Paid Other Costs Total Section J	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/XX/2016 disclosed Total Closing Costs (Borrower-Paid) (Section J) that does not match sum of fees.	Borrower total closing costs per CD reflects $9430.37, calculated total closing costs $8995.36		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	1	TRID Final Closing Disclosure Without Seller - Cash To Close	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2016 disclosed a Final value of Cash to Close that does not match the actual sum of Final cash to close figures.	Final cash to close on CD reflects $49,298.96, Calculated values $49,298.95		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,177.25 exceeds tolerance of $1,937.00 plus 10% or $2,130.70. Insufficient or no cure was provided to the borrower.	10% tolerance was exceeded by $46.55. No valid COC provided, nor evidence of cure in file.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	1	Income Docs Missing:		Based on the documentation in the file, borrower is still active at XXX (start 8/XX/15 - active as of 8/XX/2016 ) and XXX (start 7/XX/2014 - active as of 8/XX/2016) - Also, the 1003 reflects that XXX is the employment that ended, but that's the employer used by the UW on the Transmittal summary. $5120.00 total income is from XXX, the income from XXX is lower, $4,790.76 based on current salary (shift diff not included as it varies) of 2,395.38x24/12.			Reviewer Comment (2019-05-30): Reviewed updated information. Condition cleared. Seller Comment (2019-05-29): Per final 1003, borrower was employed with XXX only. Income for XXX was previously documented- We can use other income because the borrower's line of works supports continuance. XXX do not typically take weekends off- the employer provides XXX for XXX which require 24/7 care. This supports that the borrower will continue to be on-call and work night shifts including weekends. Reviewer Comment (2019-05-29): Received paystubs and WVOE in trailing docs which were provided with original file. Clarification is still needed regarding borrower's employment. She is receiving 2 separate paychecks from 2 separate entities within the same timeframe. Explanation on paystubs as stated in Lender's comments was not included in trailing docs. Condition remains. Seller Comment (2019-05-28): YTD and WVOE support income qualified at origination. Please see LOE on paystub.
1450000668	5/28/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	Unable to determine compliance on the delivery of the Informed Choice Disclosure. Signed at closing, but the date within the form is months before application date.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	3	FHA - Important Notice to Homebuyer (92900-B) is not compliant.	-	FHA - Important Notice to Homebuyer was signed but not dated. Unable to determine timing compliance.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000668	5/28/2019	1	Missing Affiliated Business Arrangement Disclosure and fee(s) were paid to affiliate.	-	ABA is missing from loan file. Please provide the signed Affiliate disclosure.			Reviewer Comment (2019-05-31): Received signed ABA from closing. Cleared. Seller Comment (2019-05-30): ABA attached
1450000668	5/28/2019	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.	Received signed ABA from Lender which was signed at closing. Evidence of borrower's earlier receipt was not provided.			Reviewer Comment (2019-06-18): The buyer has elected to waive this exception. Buyer Comment (2019-06-17): Waived
1450000667	5/28/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed : According to the loan documentation, the borrower was employed by XXX and income from this employment was included in the debt-to-income (DTI) calculation. The subject loan closed on 08/XX/2018 . Research confirmed that this borrower(s) was not employed as disclosed as of 08/XX/2018 . Excluding this income resulted in revised income of $ 3,453 and a DTI 108.05% . Loan file does not include any evidence Borrower worked or works for this Company (XXX) or receives and or received any income from this Company. The subject project does not comply with the Condominium Project eligibility requirements set forth in the Guide. The subject is an investment property. The appraisal reflects 2 units are non-owner occupied. Guidelines require all but one unit must be conveyed to purchasers as a primary residence or second home. The appraisal is unacceptable. The appraisal general description, reflects 2 of the 4 units are rented and 2 are owner occupied., this contradicts the written statement that project primary occupancy is "Principal Residence". Page 1 of the appraisal and the floor plan indicate the subject is a 7-bed room home. The addendum indicates the subject is a 4-bed room home. Need clarification of bed room count and effect on marketability if home is 7-bed room. Agree with defect, Appraisal sketch does not indicate multiple units, photos of building appears to be of a single family home and not a multi unit building, further, the unit photos only show a ½ bath room, while the gross living area (page 3 of 6) reflects 12 total rooms, 7 bedrooms and 3.1 baths. The appraisal directly contradicts itself in multiple categories. And cannot be relied upon to be accurate. The appraisal was transferred to XXX from XXX.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000667	5/28/2019	1	Federal FACTA Disclosure Timing Test	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.	The file was missing a copy of the FACTA Credit Score Disclosure for all borrowers provided within 3 days of originator application date.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000667	5/28/2019	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.	Updated appraisal dated 10/XX/2017, included updated trends for the market conditions addendum, no other changes made.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.				Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.				Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	1	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).				Reviewer Comment (2019-05-30): Received/reviewed updated information. Condition cleared. Seller Comment (2019-05-29): bone fide points to be excluded from 3% calc
1450000666	5/28/2019	2	RESPA Disclosure - Missing Signature on Affiliated Business Arrangement Disclosure	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.				Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 08/XX/2018 not received by borrower at least four (4) business days prior to closing.			8/XX/2019	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	2	Due diligence results confirm loan defect provided					Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	3	Retirement Documentation	Qualified Mortgage (Dodd-Frank 2014): Retirement income documentation insufficient.				Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan.			8/XX/2021	Reviewer Comment (2019-05-30): Received/reviewed updated information. Condition cleared. Seller Comment (2019-05-29): see attached LOX
1450000666	5/28/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.			8/XX/2019	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000666	5/28/2019	1	TRID Final Closing Disclosure Total Of Payments	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2018 disclosed a Total of Payments that does not match the actual total of payments for the loan.			8/XX/2021	Reviewer Comment (2019-05-30): Received/reviewed updated information. Condition cleared. Seller Comment (2019-05-29): Index used
1450000666	5/28/2019	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 08/XX/2018 received on or after the date the Closing Disclosure 8/XX/2018 12:00:00 AM was received.			8/XX/2019	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	1	Title Policy Coverage is less than Original Loan Amount.		The preliminary title report in file disclosed $XXX of title insurance coverage; however this is less than the loan amount of $XXX. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.			Reviewer Comment (2019-05-29): Received final title. Cleared. Seller Comment (2019-05-28): title policy
1450000665	5/29/2019	1	Title Policy is Preliminary or Commitment, and not a Final Title Policy.		The file was missing a copy of the final title policy.			Reviewer Comment (2019-05-29): Received final title. Cleared.
1450000665	5/29/2019	1	Illinois SB 1894	IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.	The loan file is missing the Certificate of Compliance or Exemption. Lender to provide.			Reviewer Comment (2019-05-30): Received. Cleared. Seller Comment (2019-05-29): IL certificate of compliance Reviewer Comment (2019-05-29): File is missing the Certificate of Compliance and the Certificate of Exemption, Illinois Predatory Lending database Pilot Program disclosure that is normally recorded with the Security Instrument in Illinois. Seller Comment (2019-05-28): cert of compliance
1450000665	5/29/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 09/XX/2016 did not disclose number of months for homeowner's insurance under Prepaids.	The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	1	TRID Final Closing Disclosure Without Seller - Closing Costs Financed	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2016 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.	The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed $244,823.76, the incorrect amount. Provide a post-close CD correcting the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Evidence of earlier borrower receipt was not found in file.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	The file is missing documentation to verify the start and end dates for the co-borrower's prior employment to verify a 2 year employment history, as required by Appendix Q.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.	Loan Designation not located in file.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	No evidence found in file as to when, if ever, the Borrowers were provided with a copy of the appraisal. Provide proof of timely delivery.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	No evidence found in file as to when, if ever, the Borrowers were provided with a copy of the appraisal. Provide proof of timely delivery.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $1,823.00 and disclosure timing violations.	The file was missing documentation verifying the borrowers' consent to receive electronic documentation.		9/XX/2017	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000665	5/29/2019	3	Aged document: Primary Valuation is older than guidelines permit	- ___	Initial appraisal is dated 6/XX/2016, has a lower appraised value of $XXX and expired. The loan file does not contain an update to this 1004; instead, a 2nd appraisal was obtained and the resulting higher value of $XXX used. Valuation used does not meet guidelines.			Reviewer Comment (2019-05-29): The buyer has elected to waive this exception. Buyer Comment (2019-05-29): Waived Reviewer Comment (2019-05-29): Loan is no longer agency eligible - please advise which guidelines are applicable. Lender received 2 separate appraisals. One dated 06/XX/2016 with a value of $XXX and one dated 06/XX/2016 with a value of $XXX. Lender used the higher value for the loan to value calculation which is outside industry norms. Referring to XXX for review whether to accept or waive. Buyer Comment (2019-05-28): Please note that Fannie Mae guidelines do not require lender to use the lower of the 2 appraisals
1450000665	5/29/2019	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	The final inspection Form 442 is missing from the loan file.			Reviewer Comment (2019-05-30): Received 442. Cleared. Seller Comment (2019-05-29): 1004D certificate of completion
1450000665	5/29/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: This is an non-warrantable condo, 95% LTV, with no MI - doesn't fit FNMA guides. Defect reason provided on tape has been confirmed: U/W - GuidelinesHomestyle Reno with EEM. Error calculating the max cash out amount.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-24): Waived
1450000664	5/29/2019	1	REO Documents are missing.	-	Unable to verify Lease or Rental income as the Taxes do not include a schedule E and there is no lease agreement submitted.			Reviewer Comment (2019-05-29): Received all required documents. Cleared. Seller Comment (2019-05-29): Tax and HOA info for XXX, XXX and XXX (no mtg and no Ins on this one) Reviewer Comment (2019-05-29): Received leases in trailing documents, however file is still missing the most recent mortgage statements for non-occupant borrower's primary residence and borrower's departing residence. Must verify mortgage payments include all additional expenses for property for proper calculation of debt ratio. Also missing tax, insurance and HOA expenses for borrower's investment property. Seller Comment (2019-05-28): XXX is a non-occupant B2 home. XXX rented on 02/XX/2019. XXX rented 10/XX/2018
1450000664	5/29/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Project EligibilityThis is an non-warrantable condo, 95% LTV, with no MI - doesn't fit FNMA guides.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	1	Commission Pay Stubs	Qualified Mortgage (Dodd-Frank 2014): Copies of signed tax returns for last two (2) years or most recent pay stub not provided for Commission income.	File did not contain all required income documentation.			Reviewer Comment (2019-05-29): Received required information. Cleared. Seller Comment (2019-05-28): XXX earns tip income, not commission. FNMA does not require tax returns for tip income. Please see attached WVOE.
1450000664	5/29/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Proof of appraisal receipt 3 days prior to, or at closing, was not provided.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	1	TRID Appraisal Disclosure - ECOA Status	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.	Right to Receive Copy of Appraisal was not provided in loan file.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.	FACTA Disclosure was not provided in loan file.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	2	Federal HPML 2014 Non Compliant	Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.41390% or Final Disclosure APR of 6.43600% is in excess of allowable threshold of APOR 4.55% + 1.5%, or 6.05000%. Non-Compliant Higher Priced Mortgage Loan.	Fees exceeded allowable threshold.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	2	TIL HPML Receipt of Appraisal	TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Proof of appraisal receipt, prior to or at closing, was not provided.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.	Loan file was missing Rate Lock.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	List of Homeownership Counseling Organizations to borrower was not provided.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	2	TRID Appraisal Disclosure - HPML Status	HPML - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.	Appraisal Disclosure was not present in loan file.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	1	TRID Servicing Disclosure Status	File does not evidence the consumer was provided with the Servicing Disclosure.	File did not contain the RESPA Servicing Disclosure		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-27): Waived
1450000664	5/29/2019	1	TRID Final Closing Disclosure Total Of Payments Test Non-Rescindable Transactions	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2019 disclosed a Total of Payments that does not match the actual total of payments for the loan.	Final CD has TOP of $324763.43: Calculated TOP is $342763.43. $18000 difference.		1/XX/2020	Reviewer Comment (2019-05-29): Cleared Seller Comment (2019-05-29): Please double check your numbers as it appears you are flipping the 2 and 4 around. Attached is the CD.
1450000664	5/29/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	The file was missing the Home Loan Toolkit.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000664	5/29/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	The file did not contain the Initial CD.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000664	5/29/2019	1	TRID Loan Estimate Status	TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $6,566.45 may be required.	The file did not contain a Loan Estimate.		1/XX/2020	Reviewer Comment (2019-05-29): Cleared Seller Comment (2019-05-29): LE attached
1450000664	5/29/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is ATR Risk.	Unable to locate Loan Designation.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000664	5/29/2019	3	Income documentation requirements not met according to the AUS in file.		Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing schedule E and there is no lease agreement submitted.			Reviewer Comment (2019-05-28): The buyer has elected to waive this condition. Buyer Comment (2019-05-28): Waived
1450000664	5/29/2019	1	AUS Findings: Investor qualifying total debt ratio discrepancy.		Unable to verify Lease or Rental income as the Taxes do not include a schedule E and there is no lease agreement submitted.			Reviewer Comment (2019-05-29): Received leases. Cleared Buyer Comment (2019-05-28): Lease agreements were uploaded.
1450000664	5/29/2019	3	General Ability To Repay Provision Investor Guidelines Violation	Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk.	Unable to verify Lease or Rental income as the Taxes do not include a schedule E and there is no lease agreement submitted.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000664	5/29/2019	1	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-05-28): Cleared.
1450000664	5/29/2019	1	TRID Final Closing Disclosure Will Not Have Escrow - Reason	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2019 incorrectly disclosed whether the loan will have an escrow account.	?		1/XX/2020	Reviewer Comment (2019-05-29): Cleared
1450000663	5/28/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	The final CD disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2861.60; however $2618.02 was collected in section F for 12 months. The amount collected in section F was equal to approximately 11 months, since a whole number is required to be disclosed, provide a post-close CD disclosing the full 12 month premium including $243.58 paid by the borrower before closing and a copy of the letter of explanation sent to the borrower disclosing the changes made.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000663	5/28/2019	2	CHARM Booklet Disclosure Status	TIL variable rate disclosure: Consumer Handbook on Adjustable Rate Mortgages, CHARM Booklet, not provided to the borrower.	The file was missing a copy of the executed CHARM Disclosure or proof of the borrower's receipt within 3 days of originator application date.		1/XX/2020	Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000663	5/28/2019	1	TIL Rescission Timing	Truth in Lending Act: Subject loan transaction disbursed on 01/XX/2019, prior to three (3) business days from transaction date of 01/XX/2019.	The file was missing a copy of the signed final CD to confirm the consummation date for testing.		1/XX/2022	Reviewer Comment (2019-05-31): Received Lenders attestation. Condition cleared. Seller Comment (2019-05-30): Per AMC comments: We need either proof the borrower received the CD issued 01/XX or an attestation and documentation from the lender stating it was not delivered to the borrower. Please see letter attached confirming that the borrower did not receive the 1/XX/2019 CD Reviewer Comment (2019-05-30): The CD provided was already in the original file. The signed CD was issued 01/XX/2019 with a closing date of 01/XX/2019 and executed on 01/XX/2019; however the file also contains a CD issued 01/XX/2019 with a closing date of 01/XX/2019. The CD issued 01/XX is the one we are recognizing as the final CD and it is not executed nor is there proof of the borrower's receipt of this CD. The exceptions remain until we get either a signed copy of the 01/04 CD or proof the borrower received it on 01/XX. Condition remains Seller Comment (2019-05-29): Final CD attached. CD issued 1/XX/2019, signed 01/XX/2019 (closing date) and reflects disbursement date of 01/XX/2019. Disbursement date is consummation Reviewer Comment (2019-05-29): Received signed CD dated 01/XX/2019 with a closing date of 01/XX/2019, however the final CD is dated 01/XX/2019 with a closing date of 01/XX/2019. Need signed Final CD to confirm consummation date. Seller Comment (2019-05-28): signed CD 1/XX/2019
1450000663	5/28/2019	1	TIL RTC Expected Expiration vs Actual	Truth in Lending Act: Actual Date(s) on Notice of Right to Cancel occurs prior to expected date(s).	The file was missing a copy of the signed final CD to confirm the consummation date for testing.		1/XX/2022	Reviewer Comment (2019-05-31): Received Lenders attestation. Condition cleared. Buyer Comment (2019-05-30): Per AMC comments: We need either proof the borrower received the CD issued 01/XX or an attestation and documentation from the lender stating it was not delivered to the borrower. Please see letter attached confirming that the borrower did not receive the 1/XX/2019 CD. Reviewer Comment (2019-05-30): The CD provided was already in the original file. The signed CD was issued 01/XX/2019 with a closing date of 01/XX/2019 and executed on 01/XX/2019; however the file also contains a CD issued 01/XX/2019 with a closing date of 01/XX/2019. The CD issued 01/XX is the one we are recognizing as the final CD and it is not executed nor is there proof of the borrower's receipt of this CD. The exceptions remain until we get either a signed copy of the 01/04 CD or proof the borrower received it on 01/XX. Condition remains Seller Comment (2019-05-29): Final CD is attached Reviewer Comment (2019-05-29): Cannot clear until signed Final Cd dated 01/XX/2019 is received and compliance is re-ran. Seller Comment (2019-05-28): ROR
1450000663	5/28/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Property - Appraisal The primary concern with the XXX appraisal is its reliance on sales that are much larger in terms of Gross Living Area (above-grade SQF). Therefore, investor kick for value. The value the investor sees is $XXXour revalue is at $XXX.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000663	5/28/2019	2	ECOA Receipt of Preliminary Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Missing proof of delivery of appraisal to borrower's within 3 business days of closing.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000663	5/28/2019	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.	The file was missing a copy of the executed Affiliated Business Arrangement Disclosure or proof of the borrower's electronic receipt of the disclosure.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000663	5/28/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $442.00 exceeds tolerance of $425.00. Sufficient or excess cure was provided to the borrower at Closing.	Fee disclosed was last disclosed as $425 on LE but disclosed as $442 on Final Closing Disclosure.		1/XX/2020
1450000663	5/28/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $24.00 exceeds tolerance of $12.00. Sufficient or excess cure was provided to the borrower at Closing.	Fee disclosed was last disclosed as $12 on LE but disclosed as $24 on Final Closing Disclosure.		1/XX/2020
1450000663	5/28/2019	3	AUS Findings: Qualifying interest rate discrepancy.	Qualifying interest rate of ___ does not match AUS qualifying interest rate of ___.	Lender qualified 10 year ARM product at 5.375% or 1.75% above note rate, vs fully indexed rate.			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000663	5/28/2019	3	Credit Exception:		Missing investor guidelines to review to qualify for manual jumbo cash-out refinance			Reviewer Comment (2019-05-28): The buyer has elected to waive this exception. Buyer Comment (2019-05-28): Waived
1450000663	5/28/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	The final CD dated 01/XX/2019 disclosed the number of months of prepaid homeowner's insurance that does not match the monthly amount being escrowed. Per the declarations page in the file the annual premium is $2861.60; however $2626.60 was collected in section F for 12 months. The amount collected in section F was equal to approximately 11 months. Referring exception to NYMT for review and whether to accept, waive or require additional information. A similar exception was waived previously by NYMT on this loan.		1/XX/2020	Reviewer Comment (2019-06-03): The buyer has elected to waive this exception. Buyer Comment (2019-05-31): Waived
1450000662	6/6/2019	3	Partnership Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Partnership).	Missing Balance Sheet for Partnership to meet Appendix Q documentation requirements.			Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Missing income documentation for Partnership income.			Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	The file was missing the Loan Originator Compensation disclosure.			Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	2	TRID Loan Estimate Timing	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.	The initial LE was not provided to borrower within 3 days of originator application date.		8/XX/2019	Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Mortgage Insurance Certificate is missing from loan file.			Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	The file was missing proof of the Important Notice to Homebuyer (92900-B) showing borrower's receipt within 3 days of originator application date.			Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	The file was missing proof of the borrower's receipt of the FHA - Informed Choice Disclosure within 3 days of originator application date.			Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed. Defect reason was "Unable to be insured due to multiple case numbers", however, only Case #XXX was located in file.			Reviewer Comment (2019-06-06): Buyer acknowledged the exception Buyer Comment (2019-06-05): Acknowledged
1450000662	6/6/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Because loan is not agency eligible, the original designation of HUD Safe Harbor no longer applies. The designation determined by the review is non-QM.			Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	1	TRID Servicing Disclosure Timing	File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	The Servicing Disclosure provided did not provide proof of the borrower's receipt within 3 days of originator application date.		8/XX/2019	Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000662	6/6/2019	1	TRID Appraisal Disclosure - ECOA Timing	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.	Proof of appraisal receipt 3 days prior to closing was not provided.		8/XX/2019	Reviewer Comment (2019-06-06): The buyer has elected to waive this exception. Buyer Comment (2019-06-05): Waived
1450000661	6/12/2019	3	Ineligible property type.	-	Per the FNMA Selling Guide, manufactured homes that have an addition or have had a structural modification are eligible under certain conditions. If the state in which the property is located requires inspection by a state agency to approve modifications to the property, then the lender is required to confirm that the property has met the requirement. However, if the state does not have this requirement, then the structural modification must be inspected and be deemed structurally sound by a third party who is regulated by the state and is qualified to make the determination. In all cases, the satisfactory inspection report must be retained in the mortgage loan file.			Reviewer Comment (2019-06-12): The buyer has elected to waive this exception. Buyer Comment (2019-06-11): Waived
1450000661	6/12/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape of single wide manufactured home and not in FNMA designated area was not confirmed. Designated FNMA areas only apply to single wide manufactured homes. The property was noted as a manufactured home with additions made to the property between 2003 and 2005 and is not considered single wide home; therefore the designated areas do not apply. Per the FNMA Selling Guide, Manufactured homes that have an addition or have had a structural modification are eligible under certain conditions. If the state in which the property is located requires inspection by a state agency to approve modifications to the property, then the lender is required to confirm that the property has met the requirement. However, if the state does not have this requirement, then the structural modification must be inspected and be deemed structurally sound by a third party who is regulated by the state and is qualified to make the determination. In all cases, the satisfactory inspection report must be retained in the mortgage loan file.			Reviewer Comment (2019-06-12): Buyer acknowledged the exception Buyer Comment (2019-06-11): Acknowledged
1450000660	6/18/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape of "Did not re-disclose at time of lock" has not been confirmed. The loan file indicated the rate was locked on 03/XX/2019 and a Change of Circumstance reflecting the lock was provided on 03/XX/2019 and the file also contains an LE dated 3/XX/2019 which indicates the loan was locked.			Reviewer Comment (2019-06-18): Buyer acknowledged the exception Buyer Comment (2019-06-17): Acknowledged
1450000660	6/18/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.				Reviewer Comment (2019-06-18): The buyer has elected to waive this exception. Buyer Comment (2019-06-17): Waived
1450000660	6/18/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-06-18): Buyer acknowledged the exception Buyer Comment (2019-06-17): Acknowledged
1450000660	6/18/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $115.60 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing.	Fee Amount of $115.60 exceeds tolerance of $75.00. A sufficient cure of $40.60 was provided to the borrower at Closing.		3/XX/2020
1450000660	6/18/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Due to loan no longer being agency eligible and missing income documentation, the review loan designation is Non QM.			Reviewer Comment (2019-06-18): Buyer acknowledged the exception Buyer Comment (2019-06-17): Acknowledged
1450000660	6/18/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3% of the Federal Total Loan Amount.			Reviewer Comment (2019-06-18): The buyer has elected to waive this exception. Buyer Comment (2019-06-17): Waived
1450000660	6/18/2019	2	TRID Final Closing Disclosure Discount Point Percentage	TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 03/XX/2019 did not disclose Discount Point percentage.	The Final Closing Disclosure provide a dollar amount but did not provide the percentage of the Discount Point.		3/XX/2020	Reviewer Comment (2019-06-18): The buyer has elected to waive this exception. Buyer Comment (2019-06-17): Waived
1450000660	6/18/2019	2	TRID Final Closing Disclosure Summaries Of Transactions - Seller Credit	TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2019 disclosed a Seller Credit that does not match the Seller Credit from the Calculating Cash to Close table.	The Seller Credit for Land reflected in section L of page 3 of the final CD does not match the seller credits in the Calculating Cash to Close box at the top of page 3.		3/XX/2020	Reviewer Comment (2019-06-18): The buyer has elected to waive this exception. Buyer Comment (2019-06-17): Waived
1450000660	6/18/2019	2	TRID Final Closing Disclosure Summaries Of Transactions - Deposit	TILA-RESPA Integrated Disclosure - Summaries of Transactions: Final Closing Disclosure provided on 03/XX/2019 disclosed a Deposit that does not match the Deposit from the Calculating Cash to Close table.	A seller held deposit of $10,000.00 is noted in section L, but is not reflected in the Calculating Cash to Close table.		3/XX/2020	Reviewer Comment (2019-06-18): The buyer has elected to waive this exception. Buyer Comment (2019-06-17): Waived
1450000660	6/18/2019	2	TRID Final Closing Disclosure Total Property Costs Year 1 - Pre October 2018	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 9,887.16 on Final Closing Disclosure provided on 03/XX/2019 not accurate.	Tax cert in file reflects annual property taxes of .89% of the assessed fair market value or $6,274.50. Property taxes reflected on the 1008 are $10,299.96. This difference is causing the discrepancy in the Amount of Estimated Property Costs over Year 1 of 9,887.16 on the Final Closing Disclosure.		3/XX/2020	Reviewer Comment (2019-06-18): The buyer has elected to waive this exception. Buyer Comment (2019-06-17): Waived
1450000659	6/26/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: Incorrect property taxes used in DTI calc. Borrower also has multiple years of unpaid IRS taxes (2015: $1,678, 2016: $6,362 and 2017: $14,978). Recalculated DTI = 52.939% includes the correct property taxes for subject @$498/month vs. $269.29/month. The revised ratio does not include a payment(s) for the IRS taxes. Does not look like Borrower is on a repayment plan with the IRS for the 2015, 2016, or 2017 unpaid taxes. ***The Final CD reflects property and city taxes for a total tax payment of $493.79. The Proposed payment section of the AUS accounted for both of these tax payments under "taxes" and "other"; therefore the total tax payment used in defect was already included in the AUS DTI of 46.76%. The 2015 tax return indicated taxes were due in the amount of $1,678; however the loan file provided no evidence of tax liens or proof these taxes were not paid.			Reviewer Comment (2019-06-26): Buyer acknowledged the exception Buyer Comment (2019-06-25): Acknowledged
1450000659	6/26/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Unable to verify existence of previous employer from business search. Employment verified with two years Schedule C and current VOE/WVOE information.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	1	Federal LO Compensation Steering	Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.	The loan file is missing an Anti-Steering Disclosure.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan not eligible to be insured by FHA due to missing employee verification documentation. Unable to verify existence of previous employer from business search.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	The Loan Origination Disclosure was not provided in the loan file.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Unable to determine Loan Designation due to missing documents.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.	The Affiliated Disclosure was not signed.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	1	TRID Final Closing Disclosure Prepaid Additional Property Taxes Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 did not disclose number of months for Additional Property Taxes under Prepaids.	The Prepaid section of the Final Closing Disclosure failed to provide the months collected for Additional Property taxes.		2/XX/2019	Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	1	TRID Final Closing Disclosure Prepaid Property Tax Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 02/XX/2018 did not disclose number of months for Property Tax under Prepaids.	The Prepaid section of the Final Closing Disclosure failed to provide the months collected for Property taxes.		2/XX/2019	Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	2	Alternate source used for application date		Borrower singed initial application and dated with incorrect year of 2017 when should have been 2018. Disclosure tracking used for application date.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000659	6/26/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing third party verification.			Reviewer Comment (2019-06-26): The buyer has elected to waive this exception. Buyer Comment (2019-06-25): Waived
1450000658	7/1/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Borrower 2 was in school prior to employment beginning. Transcripts are of poor quality and dates can not be determined. Also, missing gap letter for time period between school and employment.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.	FACTA not located.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Designation taken from QM worksheet.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,091.69 exceeds tolerance of $1,073.00. Sufficient or excess cure was provided to the borrower at Closing.	Zero Percent Fee Tolerance exceeded for Transfer Tax Fee Amount of $1,091.69 exceeds tolerance of $1,073.00. Excess cure of $21 was provided to the borrower at Closing.		12/XX/2019
1450000658	7/1/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Uninsured due to the property being less than 12 month seasoning which should have used original appraised value, loan was closed using current appraised value.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. FHA UNINSURED: uninsured due to the property being less than 12 month seasoning which should have used original appraised value, loan was closed using current appraised value. FICO: Co-borrower 751, new debt, reporting DQ 1/19 and 2/19 however it is the loan we paid off with this transaction and it paid off 12/XX/2018			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.	Valuation provided to applicant 11/XX/2018. Effective date of 11/XX/2018 and report date of 11/XX/2018.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Missing MI Cert and Evidence of MI.			Reviewer Comment (2019-07-01): Changes to be made Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000658	7/1/2019	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.	Reserves per review reflect .55 months. DU Approve requires 2 months reserves.			Reviewer Comment (2019-07-01): The buyer has elected to waive this exception. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	3	Guideline Issue:Insufficient asset documentation.	-	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 2 months verification of Randolph Brooks FCU account.			Reviewer Comment (2019-07-01): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-06-28): Acknowledged
1450000657	7/1/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Singlewide			Reviewer Comment (2019-07-01): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-06-28): Acknowledged
1450000657	7/1/2019	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.	Missing signature on Affiliated Business Disclosure.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	2	TRID Initial Loan Estimate Timing Electronically Provided	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application.	LE not delivered or placed in mail within 3 days of application.		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	1	TRID Appraisal Disclosure - ECOA Timing	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure within 3 days of the loan application date.	The loan file did not contain a Right to Received a copy of the Appraisal dated within three days of the initial application. The Loan Estimate was dated 04/XX/2019.		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	1	TRID Servicing Disclosure Timing	File does not evidence the consumer was provided with the Servicing Disclosure within 3 days of the loan application date.	Missing Servicing Disclosure provided within 3 days of application.		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	The Hazard insurance fee collected included a $50 service charge.		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The Final Closing Disclosure did not provide a dollar amount by which total closing costs were exceeded.		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	1	TRID Service Provider Timing	TILA-RESPA Integrated Disclosure: Borrower did not receive a list of service providers within 3 business days of application.	The Service Providers List was not provided to the borrower within three business days of the application.		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	2	TRID Final Closing Disclosure Prepaid City Property Tax Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 did not disclose number of months for City Property Tax under Prepaids.	Final Closing Disclosure provided on 05/XX/2019 did not disclose number of months for City Property Tax under Prepaids.		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	3	Insurance address does not match Note address.		Insurance address is reflected as XXX. Actual address is XXX.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000657	7/1/2019	1	TRID Ten Percent Tolerance Violation With Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $204.00 exceeds tolerance of $184.00 plus 10% or $202.40. Sufficient or excess cure was provided to the borrower.	PC CD with cure of $1.60 provided however missing Letter of Explanation, Proof of Delivery, Copy of Refund Check,		5/XX/2020	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	3	Missing Document: Appraisal not provided		The Appraisal report dated 12/XX/2017 was not in file.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 11/XX/2018 declared end date.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	1	Hazard Insurance Policy expires within 90 days of the Note Date.	Hazard Insurance Policy Expiration Date ___, Note Date ___	Hazard Insurance Policy Expiration Date 06/XX/2018, Note Date 04/XX/2018.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	3	Missing Valuation:	- ___ is missing	The Appraisal dated 12/XX/2017 was not in file.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	3	AUS Findings: All conditions were not met		Unable to exclude XXX Credit Card as being paid by the borrower's business. The borrower stated only 5 of the last months were paid by the business. Additional documentation is needed to show there was not payment due during the remaining 7 months.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	3	S-Corp Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (S-Corp).	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-07-01): Buyer has acknowledged and is waiving the exception Buyer Comment (2019-06-28): Acknowledged
1450000656	7/1/2019	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.	The 2nd appraisal report date is 4/XX/2018. The Appraisal Notice to the borrower was sent by e-mail on 4/XX/2018.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-07-01): Buyer has acknowledged and is waiving the exception Buyer Comment (2019-06-28): Acknowledged
1450000656	7/1/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Ability to Repay and Mavent.			Reviewer Comment (2019-07-01): Buyer has acknowledged and is waiving the exception without compensating factors Buyer Comment (2019-06-28): Acknowledged
1450000656	7/1/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 04/XX/2018 disclosed a Closing Date that did not match the actual date of consummation.	The Final CD disclosed the Closing Date as 4/XX/2018. The mortgage was notarized on 4/XX/2018.		4/XX/2019	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for various 0% tolerance violations in the amount of $515.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $515.00, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		4/XX/2019	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee. Fee Amount of $515.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		4/XX/2019	Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	3	Appendix Q Liabilities - Revolving	Qualified Mortgage (Dodd-Frank 2014): Revolving Liabilities that have an effect on the consumer's ability to repay have been excluded from DTI calculation.	Updated credit report dated 04/XX/2018 confirms XXX debt paid off. There was an LOX in regards to the business credit card states it is used sparingly and provided the months of bank statements that they actually had to make a payment. Additionally, the credit report shows it as a business debt.			Reviewer Comment (2019-07-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-06-28): Waived
1450000656	7/1/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Adequate documentation to support the omission of the debt from the DTI was not provided for our review. The borrower has minimal debt outside the mortgage($144) of which one of the debts is paid by the business. Borrower very conservative with credit. There was an LOX in regards to the business credit card states it is used sparingly and provided the months of bank statements that they actually had to make a payment. Additionally, the credit report shows it as a business debt. The income used was a 2 year ave and the income is trending upward. If we used a 1 year ave there wouldn't be any issues.			Reviewer Comment (2019-07-01): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-06-28): Acknowledged
1450000577	7/9/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: Occupancy mis-rep. Closed as investment property however it is owner-occupied.			Reviewer Comment (2019-07-09): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-08): Acknowledged
1450000577	7/9/2019	3	AUS Findings: All conditions were not met		The monthly payment on the AUS indicated Hazard Insurance was included into the payment; however, the insurance provided was blanket coverage and did not have a monthly premium.			Reviewer Comment (2019-07-09): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-08): Waived
1450000577	7/9/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing Business License and P&L Statement.			Reviewer Comment (2019-07-09): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-08): Waived
1450000576	7/2/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines			Reviewer Comment (2019-07-02): Client elected to waive the condition Buyer Comment (2019-07-02): Waived
1450000576	7/2/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable Loan isn't eligible for Agency and we have not been given any guidelines to determine if it meets ATR testing under those new guidelines			Reviewer Comment (2019-07-02): Client elected to waive the condition Buyer Comment (2019-07-02): Waived
1450000576	7/2/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-02): Client elected to waive the condition Buyer Comment (2019-07-02): Waived
1450000576	7/2/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 10/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was $981.79 ($81.81 per month). Policy in file reflects $993.05 ($82.75 monthly). Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.		10/XX/2019	Reviewer Comment (2019-07-02): Client elected to waive the condition Buyer Comment (2019-07-02): Waived
1450000576	7/2/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: UNINSURED: Borrower has owned a rental home (investment property) since 2012- guideline violation. Borrower has made payments on this loan in a timely manner. ***Agree with decision as additional investment property is owned by borrower.			Reviewer Comment (2019-07-02): Client elected to waive the condition Buyer Comment (2019-07-02): Waived
1450000576	7/2/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-02): Client elected to waive the condition Buyer Comment (2019-07-02): Waived
1450000576	7/2/2019	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.	Date valuation provided to applicant is prior to the date when valuation was performed. Please provided preliminary appraisal.			Reviewer Comment (2019-07-02): Client elected to waive the condition Buyer Comment (2019-07-02): Waived
1450000575	7/11/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: During a quality control audit it was determined that the bank statements provided did not match what the financial institution records showed. Because of this funds used for the down payment could not adequately be sourced.			Reviewer Comment (2019-07-11): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-10): Acknowledged
1450000575	7/11/2019	3	Income Docs Missing:		Missing P&L Statements, Balance Sheets and CPA letters for self employed income.			Reviewer Comment (2019-07-19): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-18): Waived Reviewer Comment (2019-07-18): Exception is due to loan defect. Due to the fact the Loan is no longer agency eligible - additional income documentation would normally be required for QM/ATR testing. However, we are referring this issue to XXX for review and disposition. Buyer Comment (2019-07-17): Per seller: For the XXX file, the file meets the AUS requirements for 2018 and 2017 business and personal tax returns for self-employed borrowers who have been self-employed for over 2 years. The tax returns were included in the file. This should be all that is needed.
1450000574	7/24/2019	3	Missing Document: Rider - Other not provided		The file was missing a copy of the final title policy.			Reviewer Comment (2019-07-24): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-23): Waived
1450000574	7/24/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The most recent valuation inspection is dated prior to the most recent FEMA disaster.			Reviewer Comment (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-12): Acknowledged
1450000574	7/24/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Loan didn't meet GNMA 210 day refi seasoning requirement.			Reviewer Comment (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-12): Acknowledged
1450000574	7/24/2019	3	Loan Guaranty Certificate is missing.	-	The file was missing a copy of the VA - Loan Guaranty Certificate.			Reviewer Comment (2019-08-27): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-26): Waived - Loan couldn't be insured so purchasing as uninsured.
1450000574	7/24/2019	1	Missing Document: Limited Denials of Participation (LDP) not provided		The file was missing a copy of the Limited Denials of Partnership (LDP).			Reviewer Comment (2019-08-01): Received documentation. Condition cleared. Seller Comment (2019-08-01): LDP GSA
1450000574	7/24/2019	1	Missing Document: General Services Administration (GSA) not provided		The file was missing a copy of the General Services Administration (GSA).			Reviewer Comment (2019-08-01): Received documentation. Condition cleared.
1450000574	7/24/2019	1	VA Loan Analysis Worksheet Form 26-6393 is missing.	-	The file was missing a copy of the VA - Loan Analysis Worksheet Form 26-6393.			Reviewer Comment (2019-08-21): Received documentation. Cleared. Seller Comment (2019-08-20): 6393
1450000574	7/24/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Evidence that borrower received copy of appraisal at least 3 business days prior to closing was not provided.			Reviewer Comment (2019-07-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-12): Waived
1450000574	7/24/2019	3	NMLS (Loan Originator Match)	Truth in Lending Act (NMLSR Dodd- Frank 2014): Individual Loan Originator NMLSR information on loan documents does not match NMLSR.	Individual Loan Originator NMLSR information on the 1003 does not match NMLSR.		3/XX/2022	Reviewer Comment (2019-07-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-12): Waived
1450000574	7/24/2019	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	Missing List of Homeownership Counseling Organizations or proof of the borrower's receipt within 3 days of originator application date.			Reviewer Comment (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-12): Acknowledged
1450000574	7/24/2019	1	Ohio CSPA Acknowledgment Receipt	Ohio Consumer Sales Practices Act: Acknowledgement of Receipt of Home Mortgage Loan Information Document not retained by lender.	The file was missing proof of the borrower's receipt of the Your Home Loan Toolkit disclosure within 3 days of originator application date.			Reviewer Comment (2019-07-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-12): Waived
1450000574	7/24/2019	1	Ohio CSPA TNB Worksheet	Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit.	The file was missing documentation of the analysis of the borrower's reasonable tangible net benefit.			Reviewer Comment (2019-07-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-12): Waived
1450000574	7/24/2019	2	TRID Initial Loan Estimate Timing Electronically Provided	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 02/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.	LE not delivered within 3 business days of application. Initial LE was electronically provided without or prior to borrower's consent to receive electronic disclosures.		3/XX/2020	Reviewer Comment (2019-07-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-12): Waived
1450000574	7/24/2019	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 03/XX/2019 received on or after the date the Closing Disclosure 3/XX/2019 12:00:00 AM was received.	Revised LE received on or after the date the initial CD was received.		3/XX/2020	Reviewer Comment (2019-07-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-12): Waived
1450000574	7/24/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $9,610.50 and disclosure timing violations.	Lender issued disclosures electronically prior to receiving consent for electronic disclosure from borrwer. As a result, initial rendered invalid for baseline testing.		3/XX/2020	Reviewer Comment (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-12): Acknowledged
1450000574	7/24/2019	1	Missing Document: Fraud Report not provided		The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the borrowers, seller, listing and selling agents, the appraiser, and the loan originator.			Reviewer Comment (2019-08-01): Received documentation. Condition cleared. Seller Comment (2019-08-01): Fraud - Messinger
1450000574	7/24/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	Originator Loan Designation of VA Safe Harbor QM per Mavent.			Reviewer Comment (2019-07-15): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-12): Acknowledged
1450000574	7/24/2019	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Subject loan is not eligible to be insured or guaranteed by VA due to not meeting the GNMA 210 day refi seasoning requirement.			Reviewer Comment (2019-07-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-12): Waived
1450000574	7/24/2019	3	Missing Document: AUS not provided		Missing AUS.			Reviewer Comment (2019-07-24): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-23): Waived
1450000573	7/18/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		A letter provided (#0231) from the Lender states the mortgage is not eligible for mortgage insurance through FHA.			Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	2	Due Diligence results do not confirm loan defect provided		The Defect reason provided on tape has not been confirmed - uninsurable due to unapproved HUD condo. An internet search of HUD approved condos in the subject city indicates the subject condo project is FHA Approved.			Reviewer Comment (2019-07-18): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-17): Acknowledged
1450000573	7/18/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	3	LDP results indicate a party to the transaction is excluded from eligibility.		An LDP is not provided on all parties involved in the transaction.			Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-				Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	3	FHA Informed Choice Disclosure is missing.	-				Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	A letter from the Lender dated 7/XX/23019 is provided (#0231) indicating the loan is not eligible for mortgage insurance through FHA. Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	Evidence of the Loan Originator Compensation is not included in the file.			Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	1	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-09-04): Client provided guidelines to review ; max DTI 60% Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.	The Affiliated Business Arrangement Disclosure included was provided to the Borrowers at closing.			Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	2	Colorado HLPP Ability to Repay Reliable Documentation	Colorado Home Loan (HB1322): Borrower's ability to repay not verified with reliable documentation.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $2,400.00 on Final Closing Disclosure provided on 04/XX/2018 not accurate.	The Final Closing Disclosure reflects the Non-Escrowed Property Costs over Year 1 as $2400, the appraisal indicates the HOA dues are $185 a month or $2220 annually.		4/XX/2019	Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% and 10% tolerance violations in the amount of $256.60 was not provided. Provide a post-close CD disclosing the tolerance cure of $256.60, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		4/XX/2019	Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Evidence of the Home Loan Toolkit Disclosure provided to the Borrower is not included in the file.		4/XX/2019	Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title Misc. Fees. Fee Amount of $13.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	0% tolerance was exceeded by $13 due to miscellaneous Title fees. No valid COC provided, nor evidence of cure in file.		4/XX/2019	Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	1	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-09-04): Client provided guidelines to review Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	1	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-09-04): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-07-18): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-17): Waived
1450000573	7/18/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,414.00 exceeds tolerance of $1,064.00 plus 10% or $1,170.40. Insufficient or no cure was provided to the borrower.	10% tolerance was exceeded by $243.60. No valid COC provided, nor evidence of cure in file.		4/XX/2019	Reviewer Comment (2019-07-24): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-23): Waived Reviewer Comment (2019-07-23): Received PCCD dated 07/XX/2019. PCCD is Non-TRID compliant as the borrower chose the title servicer from the SSPL list, therefore, the title fees need to remain in section B. Condition remains. Seller Comment (2019-07-22): remedy doc attached Reviewer Comment (2019-07-22): Reviewed entire image file. No additional documentation was provided Buyer Comment (2019-07-19): TRID Tolerance Evidence
1450000573	7/18/2019	2	Check Restated Loan Designation Match - General Ability to Repay	Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.	Client provided guidelines to review and designation was updated to Non-QM
1450000572	7/17/2019	3	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has been affected by the disaster.	Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX, CO. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 06/XX/2002 declared end date.			Reviewer Comment (2019-07-17): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-16): Waived
1450000572	7/17/2019	1	TRID Alternate Table Usage	TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Alternate tables not used consistently throughout the transaction.	The CD dated 3/XX/2017 did not reflect the Calculating Cash to Close without a seller table whereas all of the Loan Estimate's and Closing Disclosure were generated without a seller Calculating cash to close table.		3/XX/2018	Reviewer Comment (2019-07-17): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-16): Acknowledged
1450000572	7/17/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 03/XX/2017 did not disclose number of months for homeowner's insurance under Prepaids.	The final CD does not reflect the number of months collected for the Hazard Insurance premium in the Prepaids section of the disclosure.		3/XX/2018	Reviewer Comment (2019-07-17): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-16): Waived
1450000572	7/17/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for the 0% tolerance violation in the amount of $301.14 was not provided. Provide a post-close CD disclosing the tolerance cure of $301.14, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		3/XX/2018	Reviewer Comment (2019-07-17): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-16): Waived
1450000572	7/17/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $301.14 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The 0% tolerance was exceeded by $301.14 due to the Loan Discount Points. No valid COC provided, nor evidence of cure in file.		3/XX/2018	Reviewer Comment (2019-07-17): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-16): Waived
1450000572	7/17/2019	3	Appraiser's license or certification was not active at the time of the appraisal.	-	Appraiser license was not active at time of appraisal.			Reviewer Comment (2019-07-17): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-16): Waived
1450000572	7/17/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Pre-closing VVOE was executed through a co-worker rather than management. Co-worker confirmed borrower was still employed, however the work number FNMA pulled during routine audit showed the borrower was no longer employed prior to funding the loan. ***The loan file contains the VVOE dated 3/XX/2017 that reflects the borrower's employment was verified with XXX, a nurse at the same facility. The loan file does not include the post closing Work Number verification showing the borrower was not employed prior to the funding of the loan.			Reviewer Comment (2019-07-17): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-16): Acknowledged
1450000571	7/19/2019	3	Missing Document: Fraud Report not provided		Fraud report is missing from file.			Reviewer Comment (2019-07-19): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-18): Waived
1450000571	7/19/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - FRAUD - Client falsified income documents. Client's income was not supported. **Prior years tax returns (2016 1040) do not support YTD income on provided WVOE.			Reviewer Comment (2019-07-19): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-18): Acknowledged
1450000571	7/19/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional employment verification would be required.			Reviewer Comment (2019-07-19): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-18): Waived
1450000571	7/19/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-07-19): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-18): Acknowledged
1450000571	7/19/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.			Reviewer Comment (2019-07-19): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-18): Acknowledged
1450000571	7/19/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of PA.		5/XX/2018
1450000570	7/22/2019	3	Missing Document: Fraud Report not provided		Fraud report is missing from file.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX, Fl. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Loan is no longer agency eligible - please advise which guidelines are applicable. Not employed for all of last two years.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	The file is missing a copy of the required Loan Originator Compensation disclosure.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000570	7/22/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000570	7/22/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% tolerance violations in the amount of $125.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $125.00, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		10/XX/2018	Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-125.00.	Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-125.00. File does not contain a valid COC for this fee, nor evidence of cure.		10/XX/2018	Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX.			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - Issue doesn't impact XXX's ability to purchase this loan. Reviewer Comment (2019-07-23): Reviewed CD addendum. Unable to clear condition as the credit reflected on the document only indicates the credit is for the broker's actual YSP. Condition remains. Seller Comment (2019-07-22): 7/22: please see our attached CD addendum which shows the entirety of the interest rate credit is not being applied to the broker compensation in the amount of $4565 but in the amount of 3884.40, the additional amount is coming from the origination fee and those two items total 4565. They should not be counted twice while calculating this test. Please review the cd addendum and clear this condition. Thank you,
1450000570	7/22/2019	2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		Hazard Insurance policy lists the previous Lender.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000570	7/22/2019	2	Due Diligence results do not confirm loan defect provided		Due Diligence results do not confirm loan defect provided: FRAUD - Employment was misrepresented in order to qualify with 100% owner of XXX being listed as a W2 employee hired year of application. Broker application package from 2017 (same year) directly contradicts loan application/documents which appear manufactured to qualify for cash out refinance.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000569	7/22/2019	3	Missing Document: Fraud Report not provided		Fraud report is missing from file.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	3	AUS Findings: Loan to value discrepancy.	Calculated loan to value percentage of ___ exceeds AUS loan to value percentage of ___.	Calculated loan to value percentage of 97.50% exceeds AUS loan to value percentage of 95%. MI Rescinded as the LTV was incorrectly calculated using the purchase price instead of the appraised value. Using the revised value results in the LTV increasing to 98%.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	3	AUS Findings: Combined loan to value discrepancy.	Calculated combined loan to value percentage of ___ exceeds AUS combined loan to value percentage of ___.	Loan is no longer agency eligible - please advise which guidelines are applicable. Calculated Combined loan to value percentage of 97.50% exceeds AUS loan to value percentage of 95%. MI Rescinded as the LTV was incorrectly calculated using the purchase price instead of the appraised value. Using the revised value results in the LTV increasing to 98%.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	3	AUS Findings: Combined High loan to value discrepancy.	Calculated high loan to value percentage of ___ exceeds AUS high loan to value percentage of ___	Calculated HLTV percentage of 97.50% exceeds AUS loan to value percentage of 95%. Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - MI Rescinded as the LTV was incorrectly calculated using the purchase price instead of the appraised value. Using the revised value results in the LTV increasing to 98%. Sales contract addendum provided reflects an appraised value of $XXX and a sales price of $XXX, Lender used an appraised value of $XXX to calculate LTV/CLTV.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000569	7/22/2019	3	AUS Findings: All conditions were not met		Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the co-borrower's 2016 W2.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the co-borrower's 2016 W2.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing a copy of Co-Borrowers prior year (2016) W-2.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000569	7/22/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000569	7/22/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000569	7/22/2019	1	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2017). Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2017) (an overage of $XXX or XXX%).	Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2017) (an overage of $XXX or XXX%).			Reviewer Comment (2019-07-25): Reviewed updated information. Condition is cleared. Seller Comment (2019-07-25): see attached Reviewer Comment (2019-07-24): Fees included in QM testing are as follows: Loan Discount points - $2431.41, Processing $330.59, Tax Cert $25, UW $300 and the appraisal fee of $485. The only invoice provided is the invoice from TSI Appraisal. There is no document included in the file with an actual break down to the inspecting appraiser and the affiliate TSI. Unable to break the fee apart or disregard. Condition remains. Seller Comment (2019-07-23): see attached
1450000569	7/22/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of MI.		12/XX/2018
1450000569	7/22/2019	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 12/XX/2017 received on or after the date the Closing Disclosure 12/XX/2017 12:00:00 AM was received.	The LE issued on 12/XX/2017 was received on 12/XX/2017. The Initial CD was issued on 12/XX/2017.		12/XX/2018	Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000569	7/22/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000569	7/22/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing VVOE for borrower and co-borrower within 10 days of close.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000568	7/22/2019	3	Missing Document: Fraud Report not provided					Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000568	7/22/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000568	7/22/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 3060. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller in the state of IL. The borrower paid portion was properly disclosed.		4/XX/2020
1450000568	7/22/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		4/XX/2020	Reviewer Comment (2019-07-23): Per client request, itemization used to apply part of discount points as seller paid to offset finance charges. Exception cleared. Buyer Comment (2019-07-22): 7/22: Please provide your calculation. Our calculation is as follows: Monthly P&I * Term in months - Loan Amount + Prepaid Finance Charges = Finance Charge. $2,209.65 * 300 - $XXX + $18,922.20 = $XXX
1450000568	7/22/2019	1	TRID Final Closing Disclosure With Seller - Cash To Close	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures.	On page three, Calculation Cash to Close reflects $22,979.71, however Summaries reflects $838.48.		4/XX/2020
1450000568	7/22/2019	2	Due diligence results confirm loan defect provided		The loan closed without the client having enough entitlement. The client has a rental property that is using a portion of their VA entitlement. The Underwriter stated that the entitlement being used would be restored prior to or at closing through the sale of this property. However, the property never sold and their entitlement was never restored leaving them short of the required amount to close on a purchase loan.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000568	7/22/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	Addendum provided to evidence seller paid fees			Reviewer Comment (2019-07-24): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-23): Waived
1450000568	7/22/2019	1	TRID Closing Disclosure Partial Lump Sum Credit	Partial Lump Sum Credit Allocation on Separate Itemization - Compliance Review Required	Partial payment of $1695 towards the Loan discount fee of $6198.			Reviewer Comment (2019-07-24): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-23): Waived
1450000568	7/22/2019	2	TRID Final Closing Disclosure did not itemize credits for specific fees in the "Paid by Others" column, or "Seller Paid" column, on the final CD provided to the Consumer		Alternative documentation provided to identify the paid by entity for Finance Charge Consideration		4/XX/2020	Reviewer Comment (2019-07-24): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-23): Waived
1450000567	7/22/2019	3	Missing Document: Fraud Report not provided		The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the borrowers, seller, listing and selling agents, the appraiser, and the loan originator.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000567	7/22/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	There is no evidence that the Creditor provided a copy of each valuation to applicant three (3) business days prior to consummation.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000567	7/22/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.	Originator Loan Designation not provided.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000567	7/22/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final Closing Disclosure provided on 03/XX/2019 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.		2/XX/2020
1450000567	7/22/2019	2	TRID Final Closing Disclosure Homeowners Insurance Included In Escrow	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 03/XX/2019 incorrectly disclosed whether Homeowners Insurance is included in escrow.	Walls-in insurance is disclosed on page 1 of the CD as "Other", not Homeowner's Insurance, which is causing this exception.		2/XX/2020	Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000567	7/22/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	There is an addendum to the CD which discloses an additional $1,000.00. in Seller paid fees. These fees are not paid by the seller on page 2 of the Final CD.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000567	7/22/2019	2	Due diligence results confirm loan defect provided		The review confirmed the defect provided which was that the loan does not meet condo guidelines because the master condo insurance policy does not contain fidelity coverage.			Reviewer Comment (2019-07-22): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-07-19): Acknowledged
1450000566	7/22/2019	3	Missing Document: Fraud Report not provided		Fraud report is missing from file.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000566	7/22/2019	2	RESPA 2010 Estimate Available Through Date	RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.	Document did not provide 10 business days.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000566	7/22/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX, Fl. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000566	7/22/2019	2	Due diligence results confirm loan defect provided		Defect provided on tape has been confirmed - FRAUD - Client qualified for purchase using fabricated bank statements. True source of funds used to close is unknown. Unable to verify that income/employment used to qualify is legitimate. Assets statements were verified to be fabricated. Pay statements, income docs are not supported and show inconsistencies. ***Results partially confirm defect provided. Unable to determine validity of bank statements that lender indicates are fraudulent. There is evidence of a discrepancy regarding the borrower's employment. Most documentation supports employment with Gordon Quatrell but there is an additional verification of employment showing employment with Comcast at much lower rate of pay. Name and SSN match. Reason for discrepancy or additional employment is not documented.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000566	7/22/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	.Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings.			Reviewer Comment (2019-07-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-19): Waived
1450000565	7/25/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-07-25): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-24): Waived
1450000565	7/25/2019	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Current HOI coverage is insufficient by $XXX			Reviewer Comment (2019-09-09): Lender provided replacement cost estimate that supports dwelling amount. Seller Comment (2019-09-05): Hazard Cost Estimator
1450000565	7/25/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		The loan file is missing evidence of Mortgage Insurance.			Reviewer Comment (2019-07-25): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-24): Waived
1450000565	7/25/2019	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	The 2nd appraisal identified HUD required repairs and a 1004D/442 was not provided in the file.			Reviewer Comment (2019-08-09): Lender provided an appraisal update. Seller Comment (2019-08-08): Final Inspection
1450000565	7/25/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Less than 90 days passed from when the Seller acquired property on 2/XX/2019 and the Purchase Agreement was signed on 4/XX/2019.			Reviewer Comment (2019-07-25): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-24): Waived
1450000565	7/25/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	Originator Loan Designation of HUD Safe Harbor QM per Mavent.			Reviewer Comment (2019-07-25): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-24): Waived
1450000565	7/25/2019	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Evidence of earlier borrower receipt was not found in file.		5/XX/2020	Reviewer Comment (2019-07-25): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-24): Waived
1450000565	7/25/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed; Violated Flip Rule; acquisition occurred less than 90 days from sale. **Seller acquisition date is 2/XX/2019, Contract date is 5/XX/2019 with a Sale date is 5/XX/2019. Time elapsed 92 days from acquisition to contract and 108 days from acquisition to closing.Note date.			Reviewer Comment (2019-07-25): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-24): Waived
1450000564	7/31/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Ineligible Source of Funds - Business Decision to close the loan as a Portfolio Conventional Loan without MI. Seller and Buyer are friends which is not allowed for a gift of equity for any agency. Risk score is 605, too low for an agency limited cash out refinance - thin credit file. Loan was underwritten as a FHA Loan and approval is based around those AUS Findings - loan does not fit into conventional guidelines for asset documentaiton/reserves ***The loan closed as a conventional loan without MI with a 3.5% down payment and a gift of $17,000 from a close friend/employer which follows FHA guidelines. A letter was received by the seller advising the buyer is a long term friend who has been renting the subject property for the last six years. The XXX Compliance Report as well as the XXX dated 04/XX/2019 noted the transaction as a conventional purchase on page 1 but used FHA credit exceptions to obtain an approval for the gift of equity.			Reviewer Comment (2019-07-31): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-30): Waived - 2
1450000564	7/31/2019	3	AUS Findings: All conditions were not met		Multiple issues; the loan file did not contain an AUS reflecting the correct purchase price, loan amount or loan type. 2 years income documentation was not satisfied for borrower #1. Ineligible gift of equity from seller who is a non-relative.			Reviewer Comment (2019-08-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-31): Waived - stated defect
1450000564	7/31/2019	3	Asset documentation requirements not met according to Decision System Input.		The Gift of Equity, from the seller, is a friend. Gifts of equity are limited to relatives only.			Reviewer Comment (2019-08-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-31): Waived - stated defect
1450000564	7/31/2019	1	TRID Initial Loan Estimate Timing Electronically Provided	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 04/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.	The file was missing documentation verifying the borrower's consent to receive electronic documentation		4/XX/2020	Reviewer Comment (2019-08-02): AMC received 04/10 E Consent. Exception Cleared. Seller Comment (2019-08-02): eConsent
1450000564	7/31/2019	1	TRID Final Closing Disclosure Assumption	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2019 incorrectly disclosed whether the loan allows for Assumption.	The note is not assumable however Final CD will allow assumability.		4/XX/2020	Reviewer Comment (2019-07-31): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-30): Waived - 1
1450000564	7/31/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/XX/2019 did not disclose number of months for homeowner's insurance under Prepaids.	The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.		4/XX/2020	Reviewer Comment (2019-07-31): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-30): Waived - 1
1450000564	7/31/2019	1	TRID Final Closing Disclosure Late Payment Test	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2019 incorrectly disclosed the terms of the Late Payment.	Note reflects 5% and Final CD reflects 4%.		4/XX/2020	Reviewer Comment (2019-07-31): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-30): Waived - 1
1450000564	7/31/2019	2	TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien	TRID Final Closing Disclosure 04/XX/2019 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.)	No seller paid fees reflected on Final CD.		4/XX/2020	Reviewer Comment (2019-08-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-31): Waived - seller paid fees
1450000564	7/31/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file. Violation amount is $2.54.		4/XX/2020	Reviewer Comment (2019-07-31): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-30): Waived - 1
1450000564	7/31/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	The file is missing evidence of delivery to the borrower.			Reviewer Comment (2019-07-31): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-30): Waived - 2
1450000564	7/31/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $4,418.79 and disclosure timing violations.	The file was missing documentation verifying the borrower's consent to receive electronic documentation.		4/XX/2020	Reviewer Comment (2019-07-31): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-30): Waived - 1
1450000564	7/31/2019	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,544.54 exceeds tolerance of $1,542.00. Insufficient or no cure was provided to the borrower.	Fee was disclosed on initial LE, however disclosures were sent electronically and no evidence of consent was located in file rendering disclosure invalid for baseline testing. No valid COC was provided for addition of fee after, and no evidence of cure was located in file.		4/XX/2020	Reviewer Comment (2019-08-02): AMC received 04/10 E Consent. Exception Cleared. Seller Comment (2019-08-02): COC
1450000564	7/31/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing 2 years income documentation was not provided for borrower #1 as required by the AUS.			Reviewer Comment (2019-08-01): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-31): Waived - atr fail
1450000563	7/30/2019	3	Income Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - S&D Reason, also priced as Non ATR / Non QM
1450000563	7/30/2019	3	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - S&D Reason, also priced as Non ATR / Non QM
1450000563	7/30/2019	1	Missing Final HUD-1: HUD-1 Not Signed or Stamped Used For Fee Testing	Missing Final HUD-1: HUD-1 Not Signed or Stamped used for any applicable Federal, State or Local compliance testing.	Final HUD-1 is not signed or stamped.			Reviewer Comment (2019-07-30): Received final HUD. Cleared. Seller Comment (2019-07-29): Final HUD
1450000563	7/30/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - S&D, also priced as Non ATR / Non QM
1450000563	7/30/2019	1	RESPA 2010 - GFE vs HUD Block 8	RESPA (2010): 0% tolerance violation for 1203 fee without evidence of sufficient cure provided.	0% tolerance violation for 1203 fee (Transfer Tax) with evidence of sufficient cure provided.			Reviewer Comment (2019-07-26): Tolerance cure was provided at close.
1450000563	7/30/2019	2	RESPA HUD Settlement Booklet Status	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.	Missing HUD Settlement Cost Booklet.			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - AMC DD EV 1
1450000563	7/30/2019	2	TIL-MDIA 2011 Introductory Escrow Payment	Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.			4/XX/2016	Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - AMC DD EV 2
1450000563	7/30/2019	2	TIL-MDIA 2011 Introductory Total Payment	Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.			4/XX/2016	Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - AMC DD EV 2
1450000563	7/30/2019	2	TIL Finance Charge Tolerance	Truth In Lending Act: Final TIL Finance Charge of $311,743.32 is underdisclosed from calculated Finance Charge of $312,413.10 in the amount of $XXX.	XXX		4/XX/2016	Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - AMC DD EV 2
1450000563	7/30/2019	1	QM Employment History - Current Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - S&D, priced as Non ATR / Non QM
1450000563	7/30/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - S&D, priced as Non ATR / Non QM
1450000563	7/30/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - S&D reason, also priced as Non ATR / Non QM
1450000563	7/30/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX, FL. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - Property valuation obtained.
1450000563	7/30/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	Missing evidence borrower was provided copy of appraisal at or before closing.			Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - AMC DD EV 2
1450000563	7/30/2019	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.				Reviewer Comment (2019-07-30): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-07-29): Waived - AMC DD EV 2
1450000563	7/30/2019	2	RESPA 2010 GFE vs HUD Block 8 with Cure	RESPA (2010): 0% tolerance violation for 1203 fee with evidence of cure provided on Final HUD-1	Cure provided on HUD for Transfer Tax fee.			Reviewer Comment (2019-07-26): Cure provided on Final HUD for increase of Transfer Tax fee.
1450000370	8/15/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-08-15): Client elects to waive. Buyer Comment (2019-08-13): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000370	8/15/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	The Lender's High Cost Analysis reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of Safe Harbor QM.			Reviewer Comment (2019-08-16): The Client has acknowledged this exception and is electing to waive it without compensating factors. Reviewer Comment (2019-08-15): Client acknowledges. Exception remains. Buyer Comment (2019-08-13): Acknowledged
1450000370	8/15/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-08-16): The Client has acknowledged this exception and is electing to waive it without compensating factors. Reviewer Comment (2019-08-15): Client acknowledges. Exception remains. Buyer Comment (2019-08-13): Acknowledged
1450000370	8/15/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 3060. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller in the state of VA. The borrower paid portion was properly disclosed.		4/XX/2020
1450000370	8/15/2019	1	TRID Final Closing Disclosure With Seller Change - Seller Credit	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Seller Credit.	The Calculating Cash to Close Table on page 3 of the Final CD disclosed there was change in the Seller Credits from the LE to the Final CD when there was no change.		4/XX/2020
1450000370	8/15/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt within 3 days of originator application date.		4/XX/2020	Reviewer Comment (2019-08-16): Received acknowledgment. Cleared. Seller Comment (2019-08-15): Home Loan Toolkit Ack
1450000370	8/15/2019	1	TRID Invalid Section A Combinations	TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 05/XX/2019 reflects a Paid To party other than to lender or broker for fee within Origination Charges.	The Counseling Fee, Flood Transfer Fee, and Funding Fee were disclosed in section A. These fees are not considered Origination Charges. A post-close CD moving the fees to the correct section and a copy of the letter of explanation sent to the borrower was provided.		4/XX/2020
1450000370	8/15/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-08-15): Client elects to waive. Buyer Comment (2019-08-13): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000369	8/19/2019	1	Missing Document: Bankruptcy Documents not provided					Reviewer Comment (2019-08-19): Condition cleared. Seller Comment (2019-08-16): Supporting docs for LOX Reviewer Comment (2019-08-16): Borrower had a BK 13 which was dismissed 10/2017 with a case number assignment dated 12/XX/2018. There is no reference to the BK on the DU provided for this FHA directed loan. Due diligence review is unable to clear this exception. Referring to XXX for review and disposition. Seller Comment (2019-08-16): Bankruptcy LOX
1450000369	8/19/2019	1	Public Records/Collections/Charge Off does not meet guidelines.	-				Reviewer Comment (2019-08-19): Condition cleared. Seller Comment (2019-08-16): Support Documentation for LOX regarding Chapter 13 Bankruptcy Reviewer Comment (2019-08-16): Borrower had a BK 13 which was dismissed 10/2017 with a case number assignment dated 12/XX/2018. There is no reference to the BK on the DU provided for this FHA directed loan. Due diligence review is unable to clear this exception. Referring to XXX for review and disposition. Seller Comment (2019-08-16): Bankruptcy LOX
1450000369	8/19/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-13): Waived - priced as atr fail
1450000369	8/19/2019	2	(State HPML Disclosure) Maryland Higher-Priced Mortgage Loan (Disclosure of Non-HPML Loans Borrower Qualifies For Not Provided)	Maryland Higher-Priced Mortgage Loan: Borrower not provided with written disclosure of non-higher priced loans otherwise qualified for.				Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-13): Waived - 2
1450000369	8/19/2019	2	Maryland HPML Threshold Test Non-Compliant	Maryland Higher-Priced Mortgage Loan: APR on subject loan of 6.23970% or Final Disclosure APR of 6.26400% is in excess of allowable threshold of APOR 4.65% + 1.5%, or 6.15000%. Non-Compliant Higher Priced Loan.				Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-13): Waived - 2
1450000369	8/19/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.				Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-13): Waived - priced as atr fail
1450000369	8/19/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.				Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-13): Waived - accept dil desig
1450000369	8/19/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.				Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-13): Waived - priced as atr fail
1450000369	8/19/2019	1	TRID Final Closing Disclosure Assumption	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2019 incorrectly disclosed whether the loan allows for Assumption.			1/XX/2020
1450000369	8/19/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.			1/XX/2020
1450000369	8/19/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 01/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.			1/XX/2020	Reviewer Comment (2019-08-16): Adminstration fee paid to realty company is not an APR fee. Buyer Comment (2019-08-14): Please provide your Finance Charge calculations so we can compare them to the calculations provided to us by our compliance software. Thank you!
1450000369	8/19/2019	3	Available for Closing is insufficient to cover Cash From Borrower.					Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-14): Waived - priced as stated defect
1450000369	8/19/2019	2	Due diligence results confirm loan defect provided					Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-13): Waived - 2 - stated defect
1450000369	8/19/2019	3	AUS Findings: Available for Reserves discrepancy.					Reviewer Comment (2019-08-15): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-14): Waived - issue doesn't have impact XXX's ability to purchase loan
1450000368	8/20/2019	2	Due Diligence results do not confirm loan defect provided		Due Diligence results do not confirm loan defect provided: There is no evidence that the loans were deeded out of the borrowers names and into an LLC prior to settlement without obtaining Lenders approval.			Reviewer Comment (2019-08-20): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-08-19): Acknowledged
1450000368	8/20/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.			Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 2
1450000367	8/20/2019	2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided - Borrower is 120+ days delinquent. The pay history in the file, dated 07/XX/2019, confirms the loan is next due for 11/XX/2018 with the last payment having been made 10/XX/2018.			Reviewer Comment (2019-08-20): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-08-19): Acknowledged
1450000367	8/20/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and there is no evidence that the appraisal was provided at or before closing.			Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 2
1450000367	8/20/2019	1	Hazard Insurance Policy expires within 90 days of the Note Date.	Hazard Insurance Policy Expiration Date ___, Note Date ___				Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 1
1450000366	8/20/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - bpo
1450000366	8/20/2019	1	REO Documents are missing.	-	The file was missing the Mortgage Statement and/or Hazard Insurance and/or Tax Verification for REO properties.			Reviewer Comment (2019-08-21): Received all supporting documentation. Condition is cleared. Seller Comment (2019-08-20): PITI XXX, XXX, XXX, XXX, and XXX
1450000366	8/20/2019	1	REO Documents are missing.	-	The file was missing the Tax Verification for REO for XXX			Reviewer Comment (2019-08-21): Received all supporting documentation. Condition is cleared. Seller Comment (2019-08-20): Taxes XXX
1450000366	8/20/2019	1	REO Documents are missing.	-	The file was missing the Hazard Insurance for REO on XXX			Reviewer Comment (2019-08-21): Received all supporting documentation. Condition is cleared. Seller Comment (2019-08-20): Hazard XXX
1450000366	8/20/2019	1	REO Documents are missing.	-	The file was missing the Hazard Insurance for REO on XXX			Reviewer Comment (2019-08-21): Received all supporting documentation. Condition is cleared. Seller Comment (2019-08-20): Hazard XXX
1450000366	8/20/2019	1	REO Documents are missing.	-	The file was missing the Mortgage Statement for REO on XXX			Reviewer Comment (2019-08-21): Received all supporting documentation. Condition is cleared. Seller Comment (2019-08-20): PITI XXX
1450000366	8/20/2019	1	REO Documents are missing.	-	The file was missing the Mortgage Statement for REO on XXX			Reviewer Comment (2019-08-21): Received all supporting documentation. Condition is cleared. Seller Comment (2019-08-20): PITI XXX
1450000366	8/20/2019	1	REO Documents are missing.	-	The file was missing the Mortgage Statement, Hazard Insurance and Tax Verification for REO on XXX			Reviewer Comment (2019-08-21): Received all supporting documentation. Condition is cleared. Seller Comment (2019-08-20): HOI, Taxes & P&I Fulton
1450000366	8/20/2019	2	Due Diligence results do not confirm loan defect provided		The review results do not confirm the defect as the defect information is not specific enough. While the review did find some deficiencies, it is unknown if these are part of the cited defect or not.			Reviewer Comment (2019-08-20): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-08-19): Acknowledged
1450000365	8/20/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - bpo
1450000365	8/20/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed. - Appraised value is $XXX, the AVM value is $XXX resulting in 13.4% variance. No AVM report in file; Disaster report was in file showing property damage after XXX in 08/2017.			Reviewer Comment (2019-08-20): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-08-19): Acknowledged
1450000365	8/20/2019	3	The Hazard Insurance Policy effective date is after the Transaction Date.	Hazard Insurance Policy Effective Date ___, Transaction Date: ___	Loan closed 06/XX/2017, declarations page signed 06/XX/2017 and policy effective dates 06/XX/2017.			Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - irrelevant now
1450000365	8/20/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.				Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 2
1450000365	8/20/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The final CD does not reflect a cure for the tolerance issues.		6/XX/2018	Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 1
1450000365	8/20/2019	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-110.00.	There is no change of circumstance for the change in lender credit.		6/XX/2018	Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 2
1450000365	8/20/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Tax Certificate Fee. Fee Amount of $99.95 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $99.95 exceeds tolerance of $0.00.		6/XX/2018	Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 2
1450000365	8/20/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $235.00 exceeds tolerance of $160.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $235.00 exceeds tolerance of $160.00.		6/XX/2018	Reviewer Comment (2019-08-20): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-19): Waived - 2
1450000364	8/21/2019	2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	The disclosure was not evidenced in the loan file.			Reviewer Comment (2019-08-21): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-20): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000364	8/21/2019	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	The disclosure was dated 10/XX/18 and the initial application date was 10/XX/19.			Reviewer Comment (2019-08-21): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-08-20): Acknowledged - Issue doesn't impact XXX's ability to purchase this loan.
1450000364	8/21/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 11/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	Per the hazard policy, the full premium was $1447 annually and no updated policy was evidenced in the loan file. The initial escrow pmt (section G of the CD) was based on the premium of $1447 or 120.58 monthly; however, the premium shown as paid in section F of the CD was $1729.92.		11/XX/2019	Reviewer Comment (2019-08-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000364	8/21/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The cure given at closing was not sufficient to cover the various tolerance violations.		11/XX/2019	Reviewer Comment (2019-08-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000364	8/21/2019	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-465.00.	The violation is due to the lender credit being reduced from -$465 to -$105.		11/XX/2019	Reviewer Comment (2019-08-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000364	8/21/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,061.16 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Although a change of circumstance (Re-Lock) is documented in the file on 11/XX/18, the CD dated 11/XX/18 indicates a closing date of 11/XX/18 which precedes the issue date of the CD. Lender to provide an attestation indicating this was an error and what the intended closing date was for re-evaluation of ability to re-baseline the applicable fees.		11/XX/2019	Reviewer Comment (2019-08-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000364	8/21/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $655.00 exceeds tolerance of $550.00. Insufficient or no cure was provided to the borrower.	Zero percent tolerance was exceeded by $105.		11/XX/2019	Reviewer Comment (2019-08-22): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-21): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000364	8/21/2019	1	REO Documents are missing.	-	Evidence of the monthly tax amount was not evidenced in the loan file for this property.			Reviewer Comment (2019-08-26): Received evidence of RE taxes. Condition cleared. Seller Comment (2019-08-23): Attached is the open lien report which supports the property is owned free and clear and also shows the current annual taxes.
1450000364	8/21/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - DTI 58% when excluding short term rental income. DTI 38% when including short term rental income. The co-borrower did not have a 2 year rental history but borrower did have a 2 year history per the 2017/2016 1040.			Reviewer Comment (2019-08-21): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-08-20): Acknowledged
1450000363	8/26/2019	3	Missing Document: Guarantor Agreement not provided		Guarantor agreement is missing.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - S&D reason.
1450000363	8/26/2019	2	FNMA 2014 Points and Fees	FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2019) (an overage of $XXX or XXX%).	XXX			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - AMC DD EV 2. Non QM, priced as Non ATR & Non QM.
1450000363	8/26/2019	3	AUS Findings: All conditions were not met		All condition were not me The loan was not an agency AUS loan and the guidelines to which the loan was underwritten were not provided.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Non QM, also priced as Non ATR.
1450000363	8/26/2019	3	REO Documents are missing.	- ___ ___ ___	The file was missing the Mortgage statement for REO property			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Non QM, also priced as Non ATR.
1450000363	8/26/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Closed in the name of the LLC we have business purpose documents,Loans held in the name of the borrower's LLC. Borrower is sole owner. No personal guarantee.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - AMC DD EV 2. S&D Reason confirmed.
1450000363	8/26/2019	3	Missing Document: AUS not provided		Missing AUS.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Non QM, 1008 in file.
1450000363	8/26/2019	3	Valuation address does not match Note address.	-	XXX appraisal address differs from Note address.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Valuation report displays only the 1st unit of this triplex, however legal description matches subject property.
1450000362	8/23/2019	1	Missing Document: AUS not provided		Missing AUS.			Reviewer Comment (2019-08-23): Manual U/W. 1008 used. Cleared. Seller Comment (2019-08-22): refer to 1008, loan was manually UW.
1450000362	8/23/2019	2	Due diligence results confirm loan defect provided		Defect reason on tape has been confirmed: Closed in the name of the XXX we have business purpose documents,Loans held in the name of the borrower's XXX. Borrower is sole owner. No personal guarantee.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - AMC DD EV 2 - S&D Reason Confirmed.
1450000362	8/23/2019	3	REO Documents are missing.	-	The noted verification documents were not provided in the loan file. Items missing: XXX & XXX: Mortgage Stmts & Insurance verification. XXX & XXX: Mortgage Statements. XXX: Insurance verification.			Reviewer Comment (2019-09-30): Client acknowledges the condition Buyer Comment (2019-09-24): Waived - Seller does not have additional documentation. Borrower has a history of managing rental properties, credit history and FICO score is evidence of such. Reviewer Comment (2019-09-20): Still missing insurance proof for XXX and XXX. Still missing mortgage statement for XXX and XXX. Exception remains. Seller Comment (2019-09-17): Please note, these are the only Hazard Insurance Policies on other properties. We cannot obtain any others.
1450000362	8/23/2019	2	FNMA 2014 Points and Fees	FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2019) (an overage of $XXX or XXX%).				Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Non QM, also priced as Non ATR.
1450000362	8/23/2019	1	Missing Document: Appraisal not provided		File is missing the initial appraisal as indicated in the appraisal provided. Provide the initial appraisal.			Reviewer Comment (2019-08-29): Received the original appraisal. Condition cleared.
1450000362	8/23/2019	3	Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided		The 1008 provided identifies Note Information as Initial P&I of $XXX and Initial Rate as XXX%. The Note provided has a payment of $XXX and an Initial Rate of XXX%. Provide an accurate 1008 for this transaction.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Loan terms are better, waiving suspension. Loan is a Non QM, also priced as Non ATR.
1450000362	8/23/2019	2	ECOA Receipt of Preliminary Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	File is missing documentation identifying when each appraisal issued was provided to the borrower. Provide documentation that supports the dates the appraisals were delivered.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - AMC DD EV 2.
1450000362	8/23/2019	3	Guideline Issue: Insufficient asset documentation.	-	Only one month bank statement provided. Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Loan is a Non QM, manual UW, also priced as Non ATR.
1450000362	8/23/2019	3	Valuation address does not match Note address.	-	The CDA shows as XXX. The Note address is XXX. Provide a corrected CDA report.			Reviewer Comment (2019-09-09): Client requests to waive the condition. Buyer Comment (2019-09-04): Waived - Appraisal provided, XXX property valuation obtained. Not relying on CDA.
1450000362	8/23/2019	3	Missing Document: Fraud Report not provided		The file is missing a Fraud Report. Provide a Fraud Report.			Reviewer Comment (2019-09-09): Client requests to waive the condition. Buyer Comment (2019-09-04): Waived - XXX is waiving exception. Reviewer Comment (2019-08-29): Received Fraud report for individual associated with loan, however not the entity that signed the mortgage documents. Please provide the fraud report for the business entity.
1450000362	8/23/2019	3	Missing Document: Guarantor Agreement not provided		The file is missing a guarantor agreement for the signer on behalf of the LLC.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - S&D reason.
1450000362	8/23/2019	1	Missing Document: Approval not provided		Missing approval.			Reviewer Comment (2019-08-23): Duplicate. Manual U/W. 1008 used. Seller Comment (2019-08-22): Manual UW, refer to 1008.
1450000361	8/23/2019	1	Missing Document: Approval not provided					Reviewer Comment (2019-08-23): Manual approval. 1008 provided. Cleared. Seller Comment (2019-08-22): Manual UW refer to 1008.
1450000361	8/23/2019	2	Due diligence results confirm loan defect provided					Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - AMC DD EV 2 - S&D Reason confirmed.
1450000361	8/23/2019	1	AUS Findings: All conditions were not met					Reviewer Comment (2019-08-23): Received required information. Cleared. Seller Comment (2019-08-22): 1008 refer to attachment
1450000361	8/23/2019	3	REO Documents are missing.	-				Reviewer Comment (2019-09-30): Client acknowledges the condition Buyer Comment (2019-09-24): Waived - Seller does not have additional documentation. Borrower has a history of managing rental properties, credit history and FICO score is evidence of such. Loan is a S&D, also priced as Non ATR /Non QM. Reviewer Comment (2019-09-20): Still missing insurance for XXX and XXX. Missing mortgage statements for XXX and XXX. Exception remains. Seller Comment (2019-09-16): Please note, these are the only Hazard Insurance Policies on other properties. We cannot obtain any others.
1450000361	8/23/2019	2	FNMA Points and Fees	FNMA Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2018). FNMA Finance Charge total $XXX on a Original Loan Amount of $XXX vs. an allowable total of $XXX and $1000.00 (2019) (an overage of $XXX or XXX%).				Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - NON QM, also priced as Non ATR.
1450000361	8/23/2019	2	California Prepayment Penalty	California Prepayment Penalty: Loan may contain an impermissible prepayment penalty, depending on the lender's license type; however Note or Prepay Addendum provides specific language that prepay will not exceed maximum permitted by applicable law.				Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - AMC DD EV 2
1450000361	8/23/2019	3	Insurance address does not match Note address.					Reviewer Comment (2019-08-23): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-22): Waived - Policy clearly states "property is a triplex, all property addresses insured under this policy". The subject address XXX is on the policy.
1450000361	8/23/2019	3	Closing Disclosure Subject Address does not match Note address.	-				Reviewer Comment (2019-08-23): XXX please advise if you are waiving or acknowledging this exception? Buyer Comment (2019-08-22): Cleared - CD contains an addendum with the property address of: XXX CA XXX.
1450000361	8/23/2019	1	Missing Document: AUS not provided					Reviewer Comment (2019-08-23): Duplicate exception. Cleared. Seller Comment (2019-08-22): 1008
1450000360	8/27/2019	1	Missing Document: Fraud Report not provided		Fraud report is missing from file.			Reviewer Comment (2019-08-27): Received Fraud report. Condition cleared. Seller Comment (2019-08-27): fraud guard
1450000360	8/27/2019	3	FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.	-	The document is not signed by lender and the Action Date of 4/XX/15 is after the date the Borrower signed the loan application on 3/XX/15.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - uninsured
1450000360	8/27/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	The Important Notice to Home buyer was dated 03/XX/2015 and the initial 1003 was dated 03/XX/2019.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - uninsured
1450000360	8/27/2019	3	FHA - Initial HUD Addendum to the Loan Application 92900-A is not compliant.	-	The initial addendum to loan application was not signed by borrower or lender.
1450000360	8/27/2019	2	FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.	-	The initial addendum to loan application was dated prior to the loan application.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - uninsured
1450000360	8/27/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	There is no evidence in the file as to when, if ever, the appraisal was provided to the Borrower.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - 2
1450000360	8/27/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan not eligible to be insured by FHA.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - uninsured
1450000360	8/27/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Uninsurable: Multiple loan with same case number.			Reviewer Comment (2019-08-26): The Client has acknowledged this exception and is electing to waive it without compensating factors. Buyer Comment (2019-08-23): Acknowledged
1450000360	8/27/2019	1	FHA Case Number Assignment Date Without MI Impact	FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.	The loan file is missing the Case Number Assignment dated prior to closing.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - 1
1450000360	8/27/2019	3	FHA MIP Error: Missing evidence of case number assignment date.		The loan file is missing the Case Number Assignment information dated prior to closing.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - uninsured
1450000360	8/27/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	Originator Loan Designation of HUD Safe Harbor QM per High Cost Analysis.			Reviewer Comment (2019-08-26): The Client has elected to waive this exception without compensating factors. Buyer Comment (2019-08-23): Waived - accept dil desig
1450000351	9/30/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	Missing verification of $2000.00 Earnest Money Deposit listed on Final Closing Disclosure.			Reviewer Comment (2019-09-30): Client acknowledges the condition Seller Comment (2019-09-25): EM from title - not used for UW purposes by FIMC
1450000351	9/30/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Business Decision by XXX to close the loan as a Portfolio loan - Insufficient Income/High Ratios. Borrower works for a construction company for only 1 month having worked at another construction company for 1yr. Variable hours so we cannot support 2yr average since he was in a different line of work prior to starting in the construction field 5/2018. Calculation of income is history of 12 month base type hours applied to the new jobs hourly rate. ***AUS and 1003 show lender used a lesser income than the borrower's current guaranteed 30 hours a week at $33.95 per hour. WVOE's in file confirm borrower has been in construction for 1 year and a month and prior employment was as a driver.			Reviewer Comment (2019-09-17): Lender acknowledges condition. Buyer Comment (2019-09-12): Acknowledged
1450000351	9/30/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	The disclosure summary confirms date the appraisal was sent but does not confirm the date the appraisal was received.			Reviewer Comment (2019-09-09): Client requests to waive the condition. Buyer Comment (2019-09-03): Waived - 1
1450000351	9/30/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-09-09): Client requests to waive the condition. Buyer Comment (2019-09-03): Waived - priced as atr fail
1450000351	9/30/2019	1	TRID Final Closing Disclosure Total Amount for Recording Fees	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2019 disclosed the total amount for all recording fees on a line other than the first line.	Seller-paid recording fee for recording a death certificate and quitclaim deed were listed separately from the Deed and Mortgage recording fees.		6/XX/2020	Reviewer Comment (2019-09-17): Purchase Contract used to verify the Seller responsibility for the recording fees for curative documents. Recording fees for a death cert and QCD is a curative document. Seller Comment (2019-09-16): XXX does NOT prepare the Seller CD - attached is the Final CD for our borrower and those fees referenced are not on this.
1450000351	9/30/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 2933. A portion of the transfer tax fee was seller paid, and is customarily paid by Seller.		6/XX/2020
1450000351	9/30/2019	3	AUS Findings: Available for Reserves discrepancy.	Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___.	Source of funds for the earnest money deposit was not evidenced in the loan file. Therefore, the $2000 earnest money deposit was not included in the available assets.			Reviewer Comment (2019-09-09): Client requests to waive the condition. Buyer Comment (2019-09-03): Waived - stated defect
1450000351	9/30/2019	3	AUS Findings: All conditions were not met		Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-09-09): Client requests to waive the condition. Buyer Comment (2019-09-03): Waived - priced as atr fail
1450000350	9/18/2019	3	Missing Document: Fraud Report not provided					Reviewer Comment (2019-09-18): Client elected to waive the condition Buyer Comment (2019-09-16): Waived - XXX uses DataVerify as one of their primary resources for fraud prevention. The DataVerify/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to DataVerify and everything is paperless.
1450000350	9/18/2019	1	Hazard Insurance Policy expires within 90 days of the Note Date.					Reviewer Comment (2019-09-18): Client acknowledged the condition Buyer Comment (2019-09-16): Acknowledged
1450000350	9/18/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-09-18): Client acknowledged the condition Buyer Comment (2019-09-16): Acknowledged
1450000350	9/18/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.				Reviewer Comment (2019-09-18): Client acknowledged the condition Buyer Comment (2019-09-16): Acknowledged
1450000350	9/18/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 02/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.			2/XX/2019
1450000350	9/18/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).				Reviewer Comment (2019-09-27): Need seller/client to provide invoice or breakdown of which portion of the lender's title insurance was paid to the affiliate and which portion was paid to the unaffiliated third party. Seller Comment (2019-09-25): see attached Reviewer Comment (2019-09-25): Lender provided title invoice stating the $48.67 underwriter portion was paid to a non-affiliate. This does not state who paid what. Lender to provide final closing statement reflecting what was paid. Exception remains. Seller Comment (2019-09-24): see attached Reviewer Comment (2019-09-23): Updated from: Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). Seller Comment (2019-09-18): see attached
1450000350	9/18/2019	1	(State High Cost Disclosure) Maryland Covered Loan (Counseling Disclosure Not Provided)	Maryland Covered Loan: Home Counseling Disclosure to provide home buyer education was not provided to borrower.				Reviewer Comment (2019-09-23): Proof of the borrowers receipt of the disclosure was provided Seller Comment (2019-09-18): see attached
1450000350	9/18/2019	1	(State High Cost) Maryland Covered Loan (Points and Fees)	Maryland Predatory Lending Law: Points and Fees on subject loan of 4.05837% is in excess of the allowable maximum of 4.00000% of the Total Loan Amount. Points and Fees total $XXX on a Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). Non-Compliant High Cost Loan.				Reviewer Comment (2019-09-23): Seller provided proof of the undiscounted interest rate and price to verify the bona fide discount points Seller Comment (2019-09-18): see attached
1450000350	9/18/2019	2	Due Diligence results do not confirm loan defect provided					Reviewer Comment (2019-09-18): Client acknowledged the condition Buyer Comment (2019-09-16): Acknowledged
1450000350	9/18/2019	1	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.					Reviewer Comment (2019-09-23): Seller provided a copy of the current policy confirming the mortgagee clause Seller Comment (2019-09-18): see attached
1450000350	9/18/2019	3	(State High Cost Disclosure) Maryland Covered Loan (Counseling Agencies Not Provided)	Maryland Covered Loan: Home Counseling a list of county approved agencies to provide home buyer education was not provided to borrower.				Reviewer Comment (2019-09-18): Client elected to waive the condition Buyer Comment (2019-09-16): Waived - Duplicate
1450000349	9/18/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.				Reviewer Comment (2019-09-18): Client acknowledged the condition Buyer Comment (2019-09-16): Acknowledged
1450000349	9/18/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.			5/XX/2019
1450000349	9/18/2019	2	Due Diligence results do not confirm loan defect provided					Reviewer Comment (2019-09-18): Client acknowledged the condition Buyer Comment (2019-09-16): Acknowledged
1450000349	9/18/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.				Reviewer Comment (2019-09-18): Client elected to waive the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000349	9/18/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.				Reviewer Comment (2019-09-18): Client elected to waive the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000349	9/18/2019	1	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $588.50 exceeds tolerance of $199.00 plus 10% or $218.90. Insufficient or no cure was provided to the borrower.			5/XX/2019	Reviewer Comment (2019-09-17): 10% tolerance violation is due to Title Search fees disclosed on Seller's CD has been verified per the Purchase Contract as a Seller required fee. No violation exists and a refund is not required. Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000349	9/18/2019	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Electronic Document Delivery Fee. Fee Amount of $5.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.			5/XX/2019	Reviewer Comment (2019-09-17): Seller paid per purchase contract.
1450000348	9/16/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 04/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	Split partially paid before closing.		4/XX/2019
1450000348	9/16/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing costs exceeded the legal limit taken from final CD.		4/XX/2019
1450000348	9/16/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	Tip taken from final CD.		4/XX/2019
1450000348	9/16/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Employment There are two incurable defects on the loan that result in the DTI being incalculable. Our recent VOE informed us client was no longer employed as of 03/XX/18 prior to closing on 4/XX/18. Additionally, client opened a new debt on 03/XX/18 prior to application on 3/XX/18.			Reviewer Comment (2019-09-26): Client acknowledges the condition Buyer Comment (2019-09-18): Acknowledged
1450000348	9/16/2019	3	Borrower is not currently employed.	-				Reviewer Comment (2019-09-26): Client acknowledges the condition Buyer Comment (2019-09-18): Waived - Issue is related to the known defect.
1450000347	9/19/2019	1	ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.				Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000347	9/19/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.				Reviewer Comment (2019-09-19): Client acknowledges exception. Buyer Comment (2019-09-16): Acknowledged
1450000347	9/19/2019	1	TRID Final Closing Disclosure APR	TILA-RESPA Integrated Disclosure - Loan Calculations: APR of 4.99000% on Final Closing Disclosure provided on 09/XX/2018 is under-disclosed from the calculated APR of 5.29210% outside of 0.125% tolerance.			9/XX/2019	Reviewer Comment (2019-09-25): SitusAMC received required documents, exception is cleared. Seller Comment (2019-09-24): see attached
1450000347	9/19/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan.			9/XX/2019	Reviewer Comment (2019-09-25): SitusAMC received required documents, exception is cleared. Seller Comment (2019-09-24): see attached
1450000347	9/19/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.			9/XX/2019
1450000347	9/19/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.			9/XX/2019
1450000347	9/19/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $973.64 exceeds tolerance of $549.00. Insufficient or no cure was provided to the borrower.			9/XX/2019	Reviewer Comment (2019-09-18): Client elects to waive the condition Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000347	9/19/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-09-19): Client acknowledges exception. Buyer Comment (2019-09-16): Acknowledged
1450000347	9/19/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.				Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000347	9/19/2019	2	Due diligence results confirm loan defect provided					Reviewer Comment (2019-09-19): Client acknowledges exception. Buyer Comment (2019-09-16): Acknowledged
1450000347	9/19/2019	3	Available for Closing is insufficient to cover Cash From Borrower.					Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000347	9/19/2019	3	Subject is not in average or better condition.	-				Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000347	9/19/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.				Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Loan was closed using agency guidelines so no additional documents can be supplied.
1450000346	9/19/2019	2	Possible Federal Loan Originator Compensation - LO Comp Disclosure Not Provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.				Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000346	9/19/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-09-19): Client acknowledges exception. Buyer Comment (2019-09-16): Acknowledged
1450000346	9/19/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.				Reviewer Comment (2019-09-19): Client acknowledges exception. Buyer Comment (2019-09-16): Acknowledged
1450000346	9/19/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2019). Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2019) (an overage of $XXX or XXX%).				Reviewer Comment (2019-09-27): SitusAMC included the Loan Origination charges in the amount of $1,020.94 and the Broker Compensation of $2,875 in the QM pts and fees test pursuant to 1026.43(b)(9) which refers to the pts and fees definition under 1026.32(b)(1). Total points and fees of $3,895.94 exceeds the maximum of $3,232 for loan amounts greater than or equal to $64,648 and less than $107,747. We are unable to identify any itemized credits on the final CD that could be applied to offset the QM pts and fees. Seller Comment (2019-09-25): see attached Buyer Comment (2019-09-24): Please confirm what fees you are including in the points and fees testing.
1450000346	9/19/2019	2	TRID Final Closing Disclosure Borrower Paid Other Costs Total Section I	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed Total Other Costs (Borrower-Paid) (Section I) that does not match sum of fees.			1/XX/2020	Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000346	9/19/2019	2	TRID Final Closing Disclosure Closing Costs Subtotals Borrower Paid - At Closing	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed Total Closing Costs (Paid by Borrower at Closing) that does not match sum of fees.			1/XX/2020	Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000346	9/19/2019	1	TRID Final Closing Disclosure Closing Costs Subtotals Seller Paid - At Closing	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed Total Closing Costs (Paid by Seller at Closing) that does not match sum of fees.			1/XX/2020
1450000346	9/19/2019	1	TRID Final Closing Disclosure Prepaid Interest	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 01/XX/2019 disclosed prepaid interest under Prepaids that does not match calculated figures.			1/XX/2020
1450000346	9/19/2019	2	TRID Final Closing Disclosure Will Have Escrow Account	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2019 incorrectly disclosed whether the loan will have an escrow account.			1/XX/2020	Reviewer Comment (2019-09-24): Client elects to waive the condition Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000346	9/19/2019	2	TRID Final Closing Disclosure Will Not Have Escrow Account	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 01/XX/2019 incorrectly disclosed whether the loan will have an escrow account.			1/XX/2020	Reviewer Comment (2019-09-24): Client elects to waive the condition Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000346	9/19/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.			1/XX/2020
1450000346	9/19/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $1,020.94 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.			1/XX/2020	Reviewer Comment (2019-09-24): Client elects to waive the condition Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000346	9/19/2019	3	Missing Document: Mortgage Insurance Certificate (MIC) not provided					Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Duplicate
1450000346	9/19/2019	3	Income documentation requirements not met according to the AUS in file.					Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000346	9/19/2019	3	Missing Document: Fraud Report not provided					Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - XXX uses DataVerify as one of their primary resources for fraud prevention. The DataVerify/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to DataVerify and everything is paperless.
1450000346	9/19/2019	2	Due diligence results confirm loan defect provided					Reviewer Comment (2019-09-19): Client acknowledges exception. Buyer Comment (2019-09-16): Acknowledged
1450000346	9/19/2019	1	TRID non-compliant: Fees were not reflected in the correct section of the disclosure.				1/XX/2020
1450000345	9/19/2019	3	Missing Document: Mortgage Insurance Certificate (MIC) not provided		The loan file was missing the PMI cert.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Duplicate
1450000345	9/19/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Employment We received a recert VOE on the day of closing which revealed the client was not employed. The client states they started a self-*employed lawn service, and will not be returning to a work as a W2 employee. Due to a lack of history the self-employment cannot be used to qualify," has been confirmed. The loan file was underwritten utilizing W2 income for a two year period and guidelines required proof the borrower was employed dated within 10 days of closing. The VOE in file dated the day of closing confirmed the borrower was no longer employed as of 05/XX/2019. While the borrower's business bank statements used for asset requirements noted the account was opened in 05/2015, self employment income was used nor verified.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Acknowledged
1450000345	9/19/2019	3	AUS Findings: All conditions were not met		The loan file was underwritten with W2 income and the AUS required proof the borrower was employed at the time of closing. The VOE indicated the borrower was terminated a month prior to close and no updated income information was provided. Additionally, the loan file contained no evidence that the use of the business funds for asset requirements would not effect the borrower's lawn service business.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000345	9/19/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	The loan file contained no copy of the earnest money deposit and no letter was provided from a CPA or likewise stating the use of the borrower's business funds would not impact the business.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000345	9/19/2019	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	The borrower used a business account from his XXX business to satisfy the asset requirements. The loan file contained no letter from a CPA stating use of these funds were allowed and would not impact the business.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000345	9/19/2019	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $132.00 on Final Closing Disclosure provided on 06/XX/2019 not accurate.	The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $132 on page 4; however the HOA dues are $126 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.		6/XX/2020	Reviewer Comment (2019-09-18): Client elects to waive the condition. Reviewer Comment (2019-09-18): Escalated to CSM Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000345	9/19/2019	3	Borrower is not currently employed.	-	The VOE obtained the day of closing indicated the borrower was no longer employed.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000345	9/19/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The final CD did not provide a dollar amount by which total closing costs were exceeded.		6/XX/2020
1450000345	9/19/2019	1	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-200.00.	Fee disclosed was last disclosed as -$170.00 on LE but disclosed as $0 on Final Closing Disclosure.		6/XX/2020	Reviewer Comment (2019-09-18): Valid COC provided. Buyer Comment (2019-09-16): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000344	9/19/2019	3	Missing Document: Fraud Report not provided					Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
1450000344	9/19/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing a current quarterly Profit and Loss Statement, and 2 years signed personal and business tax returns.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000344	9/19/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing a current quarterly Profit and Loss Statement.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000344	9/19/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed as Income We incorrectly excluded the self employment loss from the client's business, CVG Holdings, and once corrected the DTI is greater than the program max. The monthly negative income of $991.83 results in a total DTI of 51.84%.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Acknowledged
1450000344	9/19/2019	3	AUS Findings: All conditions were not met		Income documentation does not include a Profit and Loss Statement or 2 years of signed business and personal tax returns.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000344	9/19/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	The Lender did not include negative income from the Borrowers self-employed partnership.			Reviewer Comment (2019-09-19): Client acknowledges the condition Buyer Comment (2019-09-16): Waived - Issue is related to the known defect.
1450000343	9/19/2019	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		HOI coverage is insufficient by $XXX. Provide updated policy reflecting minimum coverage of $XXX			Reviewer Comment (2019-09-19): Lender provided a copy of the replacement cost estimate that supports the dwelling coverage. Seller Comment (2019-09-17): See attached
1450000343	9/19/2019	3	Missing Document: Fraud Report not provided		Fraud report missing from file.			Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
1450000343	9/19/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		no evidence found of Mortgage insurance cert.			Reviewer Comment (2019-09-19): Client elects to waive. Buyer Comment (2019-09-16): Waived - Loan could not be insured.
1450000343	9/19/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Income We used rental income to qualify the client when we should not have. The property type was entered as a 24 unit during origination, but was flipped to a single family residence at a later point. Without this income, DTI increases to 59.5%. All evidence from 1003, appraisal, Security Instrument and final 1008 indicate subject property is Single Family Residence and not a 2-4 family. As such rental income should not have been used to qualify. Thus, increasing DTI over 59% deeming loan ineligible for DU or FHA refinance.			Reviewer Comment (2019-09-19): Client acknowledges exception. Buyer Comment (2019-09-16): Acknowledged
1450000343	9/19/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 02/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	TIP calculation was does not match the amount entered. Closing Disclosure Total Interest Percentage 93.12900% < Math Closing Disclosure Total Interest Percentage 93.13300%		2/XX/2020
1450000342	10/1/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed:Incorrect income calculation - self employed, Calculation included co-bwr receiving an officer compin the amt of $15K but most recent business returns (1125-E) reflect only the primary borr received an officer comp of $15K and not $30K as the $30K was for both. DTI now at 54. LE - missing, new borrower added on 4/XX and disclosure pkg was not sent out until 5/XX. ***Does not appear that income information was taken from K-1 statements provided for both borrowers. Co-borrower added 04/XX/2019, disclosures were provided same date as per eSign certificate provided			Reviewer Comment (2019-10-01): Client elects to waive. Buyer Comment (2019-09-19): Waived - AMC DD EV 2
1450000342	10/1/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 3060. A portion of the Document preparation fee was seller paid, and is customarily paid by Seller in the state of TX. The borrower paid portion was properly disclosed.		5/XX/2020
1450000342	10/1/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $185.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		5/XX/2020	Reviewer Comment (2019-09-20): Client waives exception. Buyer Comment (2019-09-19): Waived - No assignee liability, seller has been notified. S&D, priced as Non ATR / Non QM.
1450000341	9/26/2019	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.				Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - 1
1450000341	9/26/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Ability to Repay worksheet.			Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - accept dil desig
1450000341	9/26/2019	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $1,584.00 on Final Closing Disclosure provided on 03/XX/2017 not accurate.	The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $1,584.00 on page 4; however the HOA dues are $1,596.00 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.		3/XX/2018	Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-26): Waived - 2 Reviewer Comment (2019-09-25): Client has elected to allow a $0.02 variance in monthly property costs. Corrected CD and LOE required to cure. Buyer Comment (2019-09-24): The Non-Escrowed Property Costs over Year 1 of $1584 figure is based on using $132 monthly which are the HOA fees rounded down from the $132.58. Reviewer Comment (2019-09-23): SitusAMC received comment that corrected CD was not provided. Buyer Comment (2019-09-23): A CD correcting the Non-Escrowed Property Costs over Year 1 to reflect $1596 was not provided and or obtained.
1450000341	9/26/2019	2	Federal Flood Disclosure Timing	FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.	Notice Of Special Flood Hazards Disclosure Provided Date 3/XX/17.			Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - 2
1450000341	9/26/2019	1	TRID Home Loan Toolkit Timing	Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	Home Loan Toolkit not provided within 3 business days of application.		3/XX/2018	Reviewer Comment (2019-09-23): Client waives exception. Buyer Comment (2019-09-20): Waived - 1
1450000341	9/26/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from enter disaster info here. The inspection must include exterior photos and the property must be re-inspected on or after 10/XX/17 declared end date.			Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - bpo
1450000341	9/26/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - irrelevant now due to age
1450000341	9/26/2019	3	Valuation Error: Appraiser and/or Supervisory appraiser are not licensed or certified in the appraiser national registry.	-	Unable to locate license for Appraiser.			Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - no remedy possible
1450000341	9/26/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Seller contributions on the subject transaction exceeded the Borrower's actual costs. The loan was evaluated by DU, and received a risk classification of Approve/Eligible, based in part on a total debt ratio of 42%. However, the Borrower's income was overstated, and total debts were understated. Based on the revisions noted above, the Borrower's revised debt ratio is 49%, which significantly exceeds both the DU-approved ratio of 42% and manual underwriting guidelines.			Reviewer Comment (2019-09-26): Client acknowledged the condition Buyer Comment (2019-09-20): Acknowledged
1450000341	9/26/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - priced as atr fail
1450000341	9/26/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-09-23): Client waives exception. Buyer Comment (2019-09-20): Waived - 1
1450000341	9/26/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	DTI exceeded threshold.Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-09-26): Client elected to waive the condition Buyer Comment (2019-09-20): Waived - priced as atr fail
1450000340		1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured					Reviewer Comment (2019-10-01): Client acknowledged Buyer Comment (2019-09-25): Acknowledged
1450000340		2	Due diligence results confirm loan defect provided					Reviewer Comment (2019-10-01): Client acknowledged Buyer Comment (2019-09-25): Acknowledged
1450000340		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.				Reviewer Comment (2019-10-01): Client elects to waive. Buyer Comment (2019-09-25): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000340		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.				Reviewer Comment (2019-10-01): Client acknowledged Buyer Comment (2019-09-25): Acknowledged
1450000339	10/2/2019	1	ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000339	10/2/2019	2	Federal HPML 2014 Non Compliant	Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.31620% or Final Disclosure APR of 6.39000% is in excess of allowable threshold of APOR 4.64% + 1.5%, or 6.14000%. Non-Compliant Higher Priced Mortgage Loan.			12/XX/2019	Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000339	10/2/2019	2	(Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer)	TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.			12/XX/2019	Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000339	10/2/2019	1	FHA Case Number Assignment Date Missing	FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Duplicate suspension.
1450000339	10/2/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000339	10/2/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2019-10-09): Client acknowledges the condition Reviewer Comment (2019-10-02): Client acknowledged Buyer Comment (2019-10-01): Acknowledged
1450000339	10/2/2019	3	HUD QM Points and Fees	HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000339	10/2/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000339	10/2/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).				Reviewer Comment (2019-10-09): Client elected to waive the condition Reviewer Comment (2019-10-02): Client elects to waive the condition. Buyer Comment (2019-10-01): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000339	10/2/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.			12/XX/2019
1450000339	10/2/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $296.00 exceeds tolerance of $208.00 plus 10% or $228.80. Insufficient or no cure was provided to the borrower.			12/XX/2019	Reviewer Comment (2019-10-09): Client elected to waive the condition Reviewer Comment (2019-10-02): Client elects to waive the condition. Buyer Comment (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000339	10/2/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $2,155.05 exceeds tolerance of $1,753.00. Insufficient or no cure was provided to the borrower.			12/XX/2019	Reviewer Comment (2019-10-09): Client elected to waive the condition Reviewer Comment (2019-10-02): Client elects to waive the condition. Buyer Comment (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000339	10/2/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.			12/XX/2019	Reviewer Comment (2019-10-09): Client elected to waive the condition Reviewer Comment (2019-10-02): Client elects to waive the condition. Buyer Comment (2019-10-01): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000339	10/2/2019	2	Due diligence results confirm loan defect provided					Reviewer Comment (2019-10-09): Client acknowledges the condition Reviewer Comment (2019-10-02): Client acknowledged Buyer Comment (2019-10-01): Acknowledged
1450000339	10/2/2019	3	Available for Closing is insufficient to cover Cash From Borrower.					Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000339	10/2/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.					Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - 9/XX/19 BPO showed no damage.
1450000339	10/2/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan is uninsured FHA.
1450000339	10/2/2019	3	FHA MIP Error: Missing evidence of case number assignment date.					Reviewer Comment (2019-10-09): Client acknowledges the condition Buyer Comment (2019-10-01): Cleared - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
1450000339	10/2/2019	3	FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.	-				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
1450000339	10/2/2019	3	Final HUD Addendum 92900-A is missing.	-				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
1450000339	10/2/2019	3	Important Notice to Homebuyer (92900-B) is missing.	-				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
1450000339	10/2/2019	3	FHA Informed Choice Disclosure is missing.	-				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
1450000339	10/2/2019	3	Initial HUD Addendum 92900-A is missing.	-				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
1450000339	10/2/2019	3	FHA Loan Transmittal (92900-LT) is missing.	-				Reviewer Comment (2019-10-02): Client elects to waive. Buyer Comment (2019-10-01): Waived - Loan is uninsured FHA so missing doc doesn't impact XXX's ability to purchase loan.
1450000339	10/2/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.				Reviewer Comment (2019-10-09): Client acknowledges the condition Reviewer Comment (2019-10-02): Client acknowledged Buyer Comment (2019-10-01): Acknowledged
1450000338	10/9/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Occupancy Misrepresentation," has been confirmed. The subject transaction contained two borrowers, one of which acted as a co-signer and had no intentions of residing in the property. The loan file provided no evidence the borrower resided at the subject property and a Fraud search returned the borrower's current address as the one shared with the co-borrower and also noted as the previous residence.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D REASON CONFIRMED.
1450000338	10/9/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	The borrower had a gap of more than 30 days between school and current job and the file does not contain a letter of explanation as required by Appendix Q.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000338	10/9/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	The borrower waived rights to receive appraisal; an appraisal which was delivered to the borrower 4 days prior to close.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	1	Missing Initial Loan Application Test	No evidence of application date located in file. Compliance tests were run using an application date of 03/XX/2018 which is 1 months prior to consummation. A lookback was performed to determine this application date.	The loan file was missing all lender 1003's.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	2	NMLS - Missing Evidence of Initial Loan Application Date	Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.	The loan file was missing all lender 1003's.		4/XX/2021	Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	The AUS is not valid due to the occupancy issue and investor guidelines not provided, so max DTI is not known.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.	The Affiliated business disclosure was dated 03/XX/2018 and brokers initial 1003 was dated 03/XX/02018.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	2	RESPA Homeownership Counseling List Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.	The loan file was missing all lender 1003's.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	2	Washington Itemized Disclosure 2015 Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.	The loan file was missing all lender 1003's.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	1	TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans	TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/XX/2018 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).	The Final CD did not provide the lender contact information.		4/XX/2019
1450000338	10/9/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $119.72 exceeds tolerance of $100.00. Sufficient or excess cure was provided to the borrower at Closing.	The loan file did not provide evidence of a cure in the amount of $19.72 for exceeding the tolerance of the Credit Report Fee.		4/XX/2019
1450000338	10/9/2019	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.	The Title commitment indicated the previous lender and current lender to be the same and the RTC was on a H-8 form.		4/XX/2021	Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - AMC EV 2.
1450000338	10/9/2019	2	ECOA Receipt of Preliminary Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	no proof of when appraisal was provided to borrower.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - AMC EV 2. S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000338	10/9/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Loan designation determined by the review is non-QM due to not meeting AUS and documentation not sufficient to meet QM outside of an AUS approval.			Reviewer Comment (2019-10-09): Client waived exception Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000337	10/9/2019	2	Due diligence results confirm loan defect provided		Exceeded FNMA interested party contribution (3%) by $170.00			Reviewer Comment (2019-10-09): Client waived exception. Buyer Comment (2019-10-09): Waived - AMC 2 - S&D REASON.
1450000337	10/9/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 12/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final Closing Disclosure provided on 12/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.		12/XX/2019
1450000337	10/9/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $1,561.70 exceeds tolerance of $1,554.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $1,561.70 exceeds tolerance of $1,504.00. No cure or valid Change of Circumstance was provided to the borrower.		12/XX/2019	Reviewer Comment (2019-10-11): Client has elected to acknowledge exception. Buyer Comment (2019-10-09): Acknowledged - Difference $7.70, seller notified.
1450000337	10/9/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $856.00 exceeds tolerance of $841.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $856.00 exceeds tolerance of $841.00. No cure or valid Change of Circumstance was provided to the borrower.		12/XX/2019	Reviewer Comment (2019-10-11): Client has elected to waive exception. Buyer Comment (2019-10-09): Waived - Difference $15, seller notified. No assignee liability.
1450000337	10/9/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges due to missing itemization of credit in file.			Reviewer Comment (2019-10-11): Client has elected to waive exception. Buyer Comment (2019-10-09): Waived - AMC EV 2, FYI.
1450000337	10/9/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-10-09): Client waived exception. Buyer Comment (2019-10-09): Waived - S&D, PRICED AS NON ATR / NON QM..
1450000336	10/9/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed : LTV including financed MI exceeds the program.			Reviewer Comment (2019-10-09): Client waived exception. Buyer Comment (2019-10-09): Waived - S&D REASON CONFIRMED
1450000336	10/9/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final Closing Disclosure provided on 06/XX/2018 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.		6/XX/2019
1450000336	10/9/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan Designation of Temporary SHQM reflected on Mavent Report. Approved with AUS.			Reviewer Comment (2019-10-09): Client waived exception. Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000336	10/9/2019	1	Closing Disclosure Subject Address does not match Note address.	-	The word "XXX" was excluded from the address. The correction was made on the Final CD issued 06/XX/2018.			Reviewer Comment (2019-10-07): Final CD corrected address.
1450000335	10/9/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed :Docs weren't printed correctly and they are cut off. We received original DPA Note and sent it to XXX. (LD) 12/XX/18-XXX meeting with their legal team tomorrow to discuss recorded docs. 1/XX/2019-We can't recover the XXX grant. XXX will not purch **** The loan file contained complete mortgage documents with signatures. The XXX grant was for a term of 120 months and the loan file did not provide evidence to support the defect of funds recovery.			Reviewer Comment (2019-10-09): Client waived exception. Buyer Comment (2019-10-09): Waived - S&D REASON CONFIRMED.
1450000335	10/9/2019	1	TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $154.00 exceeds tolerance of $119.00 plus 10% or $130.90. Sufficient or excess cure was provided to the borrower at Closing.	Excess cure of $55.00 was provided to the borrower at Closing.		10/XX/2019
1450000335	10/9/2019	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 10/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		10/XX/2019	Reviewer Comment (2019-10-21): Client has elected to acknowledge exception. Buyer Comment (2019-10-17): Acknowledged - Reviewed w/ senior mgt, waiving the curative. S&D, also priced as Non ATR / Non QM.
1450000335	10/9/2019	2	TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.	The monthly escrow amount on page 4 included the mortgage insurance of $45.04.		10/XX/2019	Reviewer Comment (2019-10-11): Client has elected to waive exception. Buyer Comment (2019-10-09): Waived - S&D, PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000335	10/9/2019	3	Insurance address does not match Note address.		Insurance address missing the unit number.			Reviewer Comment (2019-10-17): Client acknowledges the exception. Buyer Comment (2019-10-16): Acknowledged - Master policy reflect property address, borrower's name and complex.
1450000335	10/9/2019	3	Flood Certificate Subject Address does not match Note address.		Flood Certificate Subject Address missing the unit number.			Reviewer Comment (2019-10-17): Client acknowledges the exception. Buyer Comment (2019-10-16): Acknowledged - Condo complex address is on the document.
1450000334	10/10/2019	3	Missing Document: AUS not provided		AUS from origination not provided in the file.			Reviewer Comment (2019-10-10): Client waived exception. Buyer Comment (2019-10-09): Waived - 1008 in loan file, loan is also priced as Non ATR / Non QM. Reviewer Comment (2019-10-09): AUS is dated 04/XX which is after loan closed on 03/XX. Lender to provide a copy of the aus dated at or prior to close. Exception remains. Buyer Comment (2019-10-09): Refer to 1008 in file.
1450000334	10/10/2019	1	Missing Document: Approval not provided					Reviewer Comment (2019-10-09): Have copy of 1008 and post close aus in file. Buyer Comment (2019-10-09): Refer to 1008 in file.
1450000334	10/10/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - COC - Missing; Loan was created in LOS system incorrectly. The first lien was duplicated in LOS and the 2nd lien loan information was not updated. This caused all loan documents to reflect incorrect information. COC for loan amount change was not sent ... COC for rate lock missing. No evidence in file the loan amount was changed.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-09): Waived - AMC EV 2, S&D REASON CONFIRMED
1450000334	10/10/2019	2	ECOA Receipt of Preliminary Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000334	10/10/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000334	10/10/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	The Lender's Compliance Report reflects the loan was presumed Qualified Mortgage and not High Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible).			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000334	10/10/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM. BID W/ DTI OF 44%
1450000334	10/10/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 03/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 2933. The fees in question were seller paid. It is customary the fees in question be paid by seller's in the state of FL.		3/XX/2020
1450000334	10/10/2019	3	Part-Time Two Year History	Qualified Mortgage (Dodd-Frank 2014): Use of Part-Time income for less than two (2) years not justified or documented.	Use of Part-Time income for less than two (2) years not justified or documented. Borrower has been employed part-time less than 6 months.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-09): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000334	10/10/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MCC Issuance Fee. Fee Amount of $500.00 exceeds tolerance of $200.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $500.00 exceeds tolerance of $200.00. Cure of $300.00 was provided to the borrower.		3/XX/2020	Reviewer Comment (2019-10-08): Cure of $300 reflected on final CD.
1450000333		3	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.
1450000333		2	Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.
1450000333		2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		The Hazard Policy did not list the current lender Freedom Mortgage on the policy, rather Ocwen.
1450000333		3	Patriot Act Disclosure is missing	-				Reviewer Comment (2019-04-24): Patriot Act disclosure not provided and comments attached to finding reference pay history(?) - condition remains outstanding. Buyer Comment (2019-04-22): disregard PH, use this PDF.
1450000333		3	Loan Guaranty Certificate is missing.	-
1450000333		1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
1450000333		1	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.	Loan Designation selected per job notes.			Reviewer Comment (2019-04-24): After input of delinquency information issue was cleared.
1450000333		1	Incomplete Document: Pay History is incomplete		Pay history is missing from 02/XX/2019 to 03/XX/2019.			Reviewer Comment (2019-05-03): Pay history provided from 02/XX/2019 to 05/XX/2019; exception cleared. Reviewer Comment (2019-04-24): No new pay history provided for review. Condition remains outstanding.
1450000333		1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-04-24): Lender provided servicing comments for file and for their review of the same.
1450000333		3	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___
1450000332	8/9/2019	1	Missing Document: Security Instrument not provided		The loan file was missing a copy of the Security Instrument.			Reviewer Comment (2019-08-09): Received Security Instrument.
1450000332	8/9/2019	1	Missing Document: Tax Certificate not provided		The loan file was missing a copy of the tax cert.			Reviewer Comment (2019-08-09): Received current tax cert - taxes from time of loan are on the title report.
1450000332	8/9/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-08-09): Loan is insured - evidence of active insurance provided. Buyer Comment (2019-08-07): Loan is insured, please capture MI info.
1450000332	8/9/2019	3	More than one late mortgage payment is present in the last 90 days.		No late payments noted within the last 12 months, however, loan was rolling 30 days delinquent from 10/2017 to 01/2018, rolling 60 days delinquent from 02/2018 to 04/2018. Loan was brought current 05/2018 and has been performing since 05/2018.
1450000332	8/9/2019	3	REO Documents are missing.	- ___	The insurance verification for the rental property was not located in the loan file.
1450000332	8/9/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
1450000332	8/9/2019	2	RESPA 2010 Estimate Available Through Date	RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.
1450000332	8/9/2019	2	RESPA 2010 GFE Provided Date	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.	The only GFE in the loan file is dated 1/XX/2015 and the application date is 12/XX/2014.
1450000332	8/9/2019	2	RESPA 2010 GFE to Actual Payment	RESPA (2010): Initial payment on GFE does not match actual payment on loan.
1450000332	8/9/2019	2	RESPA 2010 HUD Comparison	RESPA (2010) - HUD-1 column on page 3 of Final HUD-1 does not match charges on page 2 of disclosure.
1450000332	8/9/2019	2	RESPA HUD Settlement Booklet Status	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.	No evidence in the loan file this was provided to the borrower.
1450000332	8/9/2019	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.
1450000332	8/9/2019	2	TIL-MDIA 2009 Early TIL Disclosure Status	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.			1/XX/2016
1450000332	8/9/2019	2	Truth In Lending Act Final TIL Disclosure Status	Missing Final TIL.			1/XX/2016
1450000332	8/9/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Temporary HPQM (GSE/Agency Eligible).	The loan designation determined by the loan review differs from the one provided at origination.
1450000332	8/9/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-08-09): Loan is insured - evidence of active MI provided.
1450000332	8/9/2019	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-08-09): Received servicing comments for the file and for the lender's use and review.
1450000331		1	TRID Final Closing Disclosure Without Seller - Closing Costs Financed	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2018 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.	Final Closing Disclosure provided on 05/XX/2018 did not disclose Closing Costs Financed.		5/XX/2019
1450000331		1	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	There is no evidence that the CD was provided to the Borrower(s) at least three (3) business days prior to closing.		5/XX/2019	Reviewer Comment (2019-04-23): AMC received e-signed version of Initial CD
1450000331		1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.					Reviewer Comment (2019-04-24): Loan is not insured per Client. Buyer Comment (2019-04-22): Loan is uninsured, please update loan info.
1450000331		1	Loan Guaranty Certificate is missing.	-				Reviewer Comment (2019-04-24): Loan is not insured per the client so there will be no LGC. Buyer Comment (2019-04-22): Loan is uninsured, lgc not issued.
1450000331		2	Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.
1450000331		1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-04-24): Servicing comments provided by the Client for the file and for their review of same.
1450000330	8/23/2019	1	Missing Document: General Services Administration (GSA) not provided		The loan file was missing GSA search.			Reviewer Comment (2019-08-23): Searches were part of the Fraud report that has been provided.
1450000330	8/23/2019	1	Missing Document: Limited Denials of Participation (LDP) not provided		The loan file was missing the LDP search.			Reviewer Comment (2019-08-23): Searches contained in the Fraud report which has now been provided. Buyer Comment (2019-08-21): This should clear LPD requirement.
1450000330	8/23/2019	1	Missing Document: Fraud Report not provided		No fraud report was located in the loan file.			Reviewer Comment (2019-08-23): Fraud report provided.
1450000330	8/23/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-08-23): Per client loan is uninsured. Buyer Comment (2019-08-21): Loan is uninsured, please update info.
1450000330	8/23/2019	1	Payoff Statement Missing	Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.
1450000330	8/23/2019	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.			5/XX/2022
1450000330	8/23/2019	1	TRID Final Closing Disclosure Amount Financed	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		5/XX/2022	Reviewer Comment (2019-09-03): Confirmed correct MI amount Reviewer Comment (2019-07-31): Calculated amount financed is $XXX Post Close CD reflects $XXX Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission required to cure. Buyer Comment (2019-07-30): Seller wants to make sure PCCD cures issues before sending to borrower. Please check and advise.
1450000330	8/23/2019	2	TRID Final Closing Disclosure Without Seller Change - Total Closing Costs	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Total Closing Costs.	The Final CD reflects "no" as a response for "did this change?" question regarding the Total Closing Costs at the bottom of page 3 and the answer should be "yes".		5/XX/2020
1450000330	8/23/2019	1	TRID Final Closing Disclosure Without Seller Change - Total Payoffs	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Total Payoffs and Payments.	The Final CD reflects "no" as a response "for did this change?" question regarding the Total Payoffs and Payments at bottom of page 3 and the answer should be "yes".		5/XX/2020
1450000330	8/23/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		5/XX/2022	Reviewer Comment (2019-09-03): Confirmed correct MI amount Reviewer Comment (2019-07-31): Calculated Finance Charges on Post Close CD are $XXX Post Close CD reflects $XXX Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission Buyer Comment (2019-07-30): Seller wants to make sure PCCD cures issues before sending to borrower. Please check and advise.
1450000330	8/23/2019	1	TRID Final Closing Disclosure Total Of Payments Test Rescindable Transactions	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed a Total of Payments that does not match the actual total of payments for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		5/XX/2022	Reviewer Comment (2019-09-03): Confirmed correct MI amount Reviewer Comment (2019-07-31): Calculated TOP on Post Close CD are $XXX. Post Close CD reflects $XXX. Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD, and Re-open Rescission required to cure Buyer Comment (2019-07-30): Seller wants to make sure PCCD cures issues before sending to borrower. Please check and advise.
1450000330	8/23/2019	2	TRID Final Closing Disclosure Without Seller Change - Closing Costs Paid Before Closing	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 incorrectly disclosed whether there was a change in the Closing Costs Paid Before Closing.	The Final CD reflects "no" as a response for "did this change?" question regarding the closing costs paid before closing on page 3, but the answer should be "yes".		5/XX/2020
1450000330	8/23/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000330	8/23/2019	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-08-23): Servicing comments provided for the file and for the client's review and analysis.
1450000330	8/23/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is not insured.
1450000330	8/23/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.	Loan did not meet agency standards so can no longer be considered as Safe Harbor.
1450000330	8/23/2019	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 8,800.92 on Final Closing Disclosure provided on 05/XX/2019 not accurate.	$224.54 monthly MI used by the lender. The correct MI amount is $222.82		5/XX/2020
1450000330	8/23/2019	3	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual toatal payment for the loan.	$224.54 monthly MI used by the lender. The correct MI amount is $222.82		5/XX/2022
1450000330	8/23/2019	3	TRID Final Closing Disclosure Mortgage Insurance Payment	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2019 disclosed a mortgage insurance payment for payment stream 1 that does not match the actual payment for the loan.	$224.54 monthly MI used by the lender. The correct MI amount is $222.82		5/XX/2022
1450000329		1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000329		1	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-04-24): Per Client the loan is uninsured so there will be no MIC. Buyer Comment (2019-04-23): Loan is uninsured. Buyer Comment (2019-04-22): Loan is uninsured
1450000329		1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-04-24): Per Client the loan is uninsured. Buyer Comment (2019-04-23): Loan is uninsured, please update loan info. Buyer Comment (2019-04-22): Loan is uninsured. Please update loan info.
1450000329		3	Current Total Debt Ratio exceeds 50% guideline maximum.	Current Total Debt Ratio: ___	Per the Post Close credit report, the total consumer debt is $746 resulting in a Post-DTI of 53.93%.
1450000329		3	FHA - Important Notice to Homebuyer (92900-B) is not compliant.	-	The 92900-B was not signed by the borrowers.
1450000329		2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	The 92900-B was provided on 5/XX/2017. The application date is 4/XX/2017.
1450000329		2	FHA - Informed Choice Disclosure is not compliant.	-	The borrowers did not sign the disclosure.
1450000329		3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-
1450000329		2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.
1450000329		2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1450000329		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA
1450000329		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.	Loan was originated as FHA insured and compliance was evaluated using the originally intended Loan Designation of HUD Safe Harbor QM though the loan is no longer insured.
1450000329		1	TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans	TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 08/XX/2017 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).	The Final CD does not disclose the Lender contact's name and NMLS ID.		8/XX/2018
1450000329		2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,867.14 is less than amount of binding Lender Credit previously disclosed in the amount of $-9,319.00.	The Final CD disclosed a Lender Credit of $-8867.14 when the binding Lender Credit is $-9319.30.		8/XX/2018
1450000329		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The Final CD disclosed $0.00 as the Total Closing Costs that exceeded the legal Limit instead of $451.86.		8/XX/2018
1450000329		1	Missing Document: Missing Lender's Initial 1003
1450000329		1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-04-24): Servicing comments provided by Client for the file and for their review of same.
1450000328	8/1/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-08-01): Loan is insured - evidence of active MI provided. Buyer Comment (2019-07-30): Loan is insured, please capture MI info.
1450000328	8/1/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-08-01): Loan is insured - evidence of active MI provided.
1450000328	8/1/2019	3	Missing Document: Servicing Comments not provided
1450000327	8/9/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-08-09): Received evidence MI is active. Buyer Comment (2019-08-07): Loan is insured, please capture MI info.
1450000327	8/9/2019	1	Patriot Act Disclosure is missing	-	The Patriot Disclosure was not provided in the loan file.			Reviewer Comment (2019-08-09): Received disclosure.
1450000327	8/9/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.
1450000327	8/9/2019	1	TRID Initial Loan Estimate Timing Electronically Provided	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 07/XX/2018 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.			8/XX/2019	Reviewer Comment (2019-08-08): E-consent provided
1450000327	8/9/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $2,847.79 and disclosure timing violations.	The loan file was missing evidence of electronic signature.		8/XX/2019	Reviewer Comment (2019-08-08): E-consent provided
1450000327	8/9/2019	3	Current Total Debt Ratio exceeds 50% guideline maximum.	Current Total Debt Ratio: ___	The Post Close Credit Report reflects total consumer debt of $235 which results in a total DTI of 53.55%.
1450000327	8/9/2019	1	Incomplete Document: Pay History is incomplete		Pay history is missing from 10/XX/2018 to 06/XX/2019.			Reviewer Comment (2019-08-09): Pay history provided from 10/XX/2018 to 06/XX/2019; exception cleared.
1450000327	8/9/2019	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-08-09): Received servicing comments for file and for client's review/use.
1450000327	8/9/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-08-09): Received evidence MI is active.
1450000326	7/29/2019	1	Missing Document: Missing Lender's Initial 1003					Reviewer Comment (2019-07-29): Received what was indicated to be the initial 1003.
1450000326	7/29/2019	3	Missing Document: Incomplete loan images/file		Purchase contract contains only the signature page.
1450000326	7/29/2019	1	Missing Document: Credit Report not provided					Reviewer Comment (2019-07-29): Received credit report.
1450000326	7/29/2019	1	Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided					Reviewer Comment (2019-07-29): Received MCAW.
1450000326	7/29/2019	3	Missing Document: General Services Administration (GSA) not provided
1450000326	7/29/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided
1450000326	7/29/2019	1	Missing Document: Approval not provided					Reviewer Comment (2019-07-29): Received loan approval.
1450000326	7/29/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000326	7/29/2019	3	AUS Findings: All conditions were not met		Missing income, asset and credit documentation to verify loan.
1450000326	7/29/2019	1	Initial GFE not provided		The file was missing a copy of the Initial GFE.
1450000326	7/29/2019	1	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		The file was missing a copy of the Mortgage Insurance Certificate and Mortgage Insurance Evidence.			Reviewer Comment (2019-07-29): Loan is not insured. Buyer Comment (2019-07-24): Loan is uninsured.
1450000326	7/29/2019	3	The Hazard Insurance Policy effective date is after the Transaction Date.	Hazard Insurance Policy Effective Date ___, Transaction Date: ___	The Hazard Insurance Policy Effective Date is after the Transaction Date.
1450000326	7/29/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	The file is missing any and all asset documentation to verify borrower's XXX account noted on the final 1003.			Reviewer Comment (2019-07-29): Received a copy of the escrow receipt and cashier's check for the $6100 deposit made from a XXX account, but still no statements for this account provided to source the funds. Condition remains outstanding.
1450000326	7/29/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-07-29): Loan is uninsured - evidence of refund provided. Buyer Comment (2019-07-24): Loan i uninsured, received proof of refund.
1450000326	7/29/2019	3	FHA MIP Error: Missing evidence of case number assignment date.		The file was missing a copy of the Case Number Assignment.
1450000326	7/29/2019	3	Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided.	-	Section VIII notes that the borrower is not a US Citizen or Permanent Resident Alien. No further information is provided.
1450000326	7/29/2019	1	Patriot Act Disclosure is missing	-	The file was missing a copy of the Patriot Act Disclosure.			Reviewer Comment (2019-07-29): Received disclosure.
1450000326	7/29/2019	2	FHA - Amendatory Clause was provided at or after closing.	- Provided Date: ___; Consummation Date: ___	Amendatory Clause was provided at closing.			Reviewer Comment (2019-07-29): Amendatory clause is in file; however the issue is that it is dated the day of closing. Condition remains outstanding.
1450000326	7/29/2019	1	FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.	-	The file was missing a copy of the FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B).			Reviewer Comment (2019-07-29): Received Conditional Commitment.
1450000326	7/29/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.			Reviewer Comment (2019-07-29): The document provided is the same one already in the loan file and the issue is that it is dated the day of closing which was not within 3 days of the application date. Condition remains outstanding.
1450000326	7/29/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	The file was missing a copy of the initial application and any source of the application date.			Reviewer Comment (2019-07-29): The disclosure provided is the same as the one in the loan file already and the issue is that it was signed on the day of closing and was clearly not provided within 3 days of initial application. Condition remains outstanding.
1450000326	7/29/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	The file was missing a copy of the initial application and any source of the application date.			Reviewer Comment (2019-07-29): Received disclosure which is the same one that was already in the loan file and it is signed the day of closing and not dated within 3 days of the initial application. Condition remains outstanding.
1450000326	7/29/2019	3	Initial HUD Addendum 92900-A is missing.	-	The file was missing a copy of the FHA - Initial HUD Addendum to the Loan Application 92900-A.
1450000326	7/29/2019	1	Real Estate Certification is missing.	-	The file was missing a copy of the FHA - Real Estate Certification.			Reviewer Comment (2019-07-29): Received document, but it is not compliant as it is not possible to tell when it was provided and the document is not dated nor are the signatures. A condition has been added to address these issues.
1450000326	7/29/2019	3	FHA - Lead Based Paint Attachment - Attached to Purchase Contract is not compliant.	-	FHA - Lead Based Paint Attachment is not compliant as it was not signed by the seller,
1450000326	7/29/2019	2	FHA - Lead Based Paint Attachment was provided at or after closing.	- Provided Date: ___; Consummation Date: ___	FHA - Lead Based Paint Attachment was provided at closing.
1450000326	7/29/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___
1450000326	7/29/2019	1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.	Last Date Rate Set and Initial Rate Lock Date not provided.
1450000326	7/29/2019	1	FHA Case Number Assignment Date Without MI Impact	FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.	The file was missing a copy of the FHA Case # Assignment.
1450000326	7/29/2019	2	RESPA 2010 Service Provider	RESPA (2010): Borrower not provided with list of service providers.	The file was missing a copy of the Settlement Service Providers List.
1450000326	7/29/2019	2	RESPA HUD Settlement Booklet Status	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.	The file was missing a copy of the HUD Settlement Cost Booklet.
1450000326	7/29/2019	2	RESPA 2010 GFE Status	RESPA: Initial GFE not provided to Borrower(s).	The file was missing a copy of the Initial GFE.
1450000326	7/29/2019	2	TIL-MDIA 2009 Early TIL Disclosure Status	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.	The file was missing a copy of the Initial TIL.		6/XX/2013
1450000326	7/29/2019	2	TIL-MDIA 2011 Introductory Escrow Payment	Truth in Lending Act (MDIA 2011): The amount of taxes and insurance, including any mortgage insurance, on the Final TIL does not match the amount of taxes and insurance, including any mortgage insurance, for the loan.	The Hazard policy reflected an annual premium of $597.13 while the HUD showed $585.52. Also, the monthly MI payments on the Escrow Account Disclosure showed $169.52 while the Addendum reflected $175.91.		6/XX/2013
1450000326	7/29/2019	2	TIL-MDIA 2011 Introductory Total Payment	Truth in Lending Act (MDIA 2011): Total payment amount (PITI) on the Final TIL does not match the total payment amount for the loan.	The Hazard policy reflected an annual premium of $597.13 while the HUD showed $585.52. Also, the monthly MI payments on the Escrow Account Disclosure showed $169.52 while the Addendum reflected $175.91.		6/XX/2013
1450000326	7/29/2019	2	RESPA Servicing Disclosure Timing 2010	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.	The earliest disclosure in the file is dated 6/XX/2012.
1450000326	7/29/2019	1	Incomplete Document: Pay History is incomplete		Pay history missing from 06/XX/2019 to 07/XX/2019.			Reviewer Comment (2019-07-29): Pay history provided through 07/XX/2019; exception cleared.
1450000326	7/29/2019	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-07-29): Received the servicing comments for the lender's review and analysis.
1450000326	7/29/2019	3	FHA - Real Estate Certification is not compliant.	-	The Real Estate Certification did not have a date on it and none of the signatures were dated either.
1450000326	7/29/2019	3	Missing Document: AUS not provided		The MCAW indicated the loan was an AUS approved loan; however the file did not contain the AUS findings for validation.
1450000325		1	Missing Document: Missing Lender's Initial 1003
1450000325		3	Missing Document: Bankruptcy Documents not provided
1450000325		1	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2018-07-18): Seller provided.
1450000325		3	Missing Document: General Services Administration (GSA) not provided
1450000325		3	The Hazard Insurance Policy effective date is after the Transaction Date.	Hazard Insurance Policy Effective Date ___, Transaction Date: ___
1450000325		2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	Disclosure: FHA - Important Notice to Homebuyer (92900-B) (Government Documents)
1450000325		3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	Disclosure: FHA - Informed Choice Disclosure (Government Documents)
1450000325		1	Federal LO Compensation Steering	Loan Originator Compensation: Anti-Steering - Unable to determine Safe Harbor due to Anti-Steering Disclosure not provided to borrower.
1450000325		1	Federal FACTA Disclosure Timing Test	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.
1450000325		2	Federal LO Compensation (Disclosure)	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.
1450000325		1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.
1450000325		2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2018 disclosed a Finance Charge that does not match the actual finance charge for the loan. (Final/04/XX/2018)	Calculated Finance Charges are $466,283.29 while the CD reflects $465,938.29. A Difference of -$345.00.		4/XX/2019	Reviewer Comment (2018-07-18): Seller comment states that the $345 difference in finance charges is the New Loan Service Fee on the CD. This fee should be included in finance charges. Exception remains.
1450000325		2	TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien	TRID Final Closing Disclosure 04/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) (Final/04/XX/2018)	Final closing disclosure did not reveal any seller paid fees and the loan file was missing the sellers closing disclosure.		4/XX/2019
1450000325		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/04/XX/2018)	The final closing disclosure did not reflect a dollar amount by which the total closing costs exceeded the legal limit.		4/XX/2019
1450000325		2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-1,851.00. (9300)	The closing disclosure did not reveal The $-1851 in lender credits disclosed on the final LE and was reduced to 0 on the final CD with no Valid CIC or evidence of a Refund.		4/XX/2019	Reviewer Comment (2018-07-18): Seller comment references CD'd dated 3/XX - 4/XX however the file only Contained a CD dated 2/XXand the final CD dated 4/XX. Please provide other CD's referenced. Exception Remains.
1450000325		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $1,978.11 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (7200)	The loan file did not contain a cure in the amount of $1978.11 for exceeding the tolerance for the Loan Discount Points There is not a valid CIC in file to allow for the increase in Discount points from 0 to $1,978.11.		4/XX/2019	Reviewer Comment (2018-07-18): Seller comment references CD'd dated 3/XX - 4/XX however the file only Contained a CD dated 2/XXand the final CD dated 4/XX. Please provide other CD's referenced. Exception Remains.
1450000325		1	TRID Home Loan Toolkit Timing	Truth in Lending Act (2015): Creditor or broker did not provide the Home Loan Toolkit Disclosure to applicant within 3 business days of application.	Earliest dated disclosure in the loan file is dated the day of closing and not within 3 days of the application date.		4/XX/2019
1450000325		1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000325		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA.
1450000325		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.	Loan Designation is QM Fail.
1450000324	7/25/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-07-25): Per client, loan is insured - MI cert provided. Buyer Comment (2019-07-23): MI is in force, please capture MI info.
1450000324	7/25/2019	2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
1450000324	7/25/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Certification Fee. Fee Amount of $33.95 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.	Sufficient cure of $33.95 was provided to the borrower at Closing.		8/XX/2017
1450000324	7/25/2019	1	Incomplete Document: Pay History is incomplete		Pay history missing from 08/XX/2017 to 07/XX/2018.			Reviewer Comment (2019-07-25): Pay history provided from 07/XX/2017 to 07/XX/2019; exception cleared.
1450000324	7/25/2019	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-07-25): Servicing comments received for the file and for the lender's use and analysis
1450000324	7/25/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-07-25): Per client loan is insured - MI cert provided. Buyer Comment (2019-07-23): Loan is insured.
1450000323	7/24/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-07-24): Received evidence of active MI. Buyer Comment (2019-07-23): MI is in force, please capture MI info.
1450000323	7/24/2019	1	Patriot Act Disclosure is missing	-				Reviewer Comment (2019-07-24): Received disclosure as a part of the multi-purpose disclosure.
1450000323	7/24/2019	1	Incomplete Document: Pay History is incomplete		Missing pay history from 11/XX/2017 to 07/XX/2018.			Reviewer Comment (2019-07-25): Pay history provided from 10/XX/2017 to 07/XX/2019; exception cleared.
1450000323	7/24/2019	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2019-07-24): Received servicing comments for the file and for lender's use.
1450000323	7/24/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-07-24): Received evidence of active MI Buyer Comment (2019-07-23): Loan is insured.
1450000322	4/18/2019	1	Missing Document: Pay History not provided		Pay history missing from 02/XX/2019 to 03/XX/2019.			Reviewer Comment (2019-04-18): Pay history was provided on 04/XX/2019.
1450000322	4/18/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-04-18): Loan is insured - evidence of MI in force provided. Buyer Comment (2019-04-17): Loan is insured, please capture info.
1450000322	4/18/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-04-18): Loan is insured - evidence of active MI provided. Buyer Comment (2019-04-17): Loan is insured.
1450000322	4/18/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 12/XX/2018 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	The escrow payment of $951.09 disclosed on page 4 matches the total escrow payment of $346.11 disclosed on page 2 when the seller paid portion of $604.98 is accounted for.		12/XX/2019	Reviewer Comment (2019-05-29): AMC received corrected CD and LOE. Reviewer Comment (2019-05-20): AMC received PCCD dated 5/XX/19. Need LOE to cure. Reviewer Comment (2019-04-18): AMC received a response that indicated the Monthly Escrow Payment disclosed on page 4 of the CD is correct. Exception is for Initial Escrow Payment field on page 4, not Monthly Escrow Payment. Reviewer Comment (2019-04-02): Final CD page 2 Section G shows $346.11 Initial Escrow Deposit. Page 4 shows $951.09 (due to seller paid portion). 12 CFR 1026.38(l)(7)(3) states "The total amount disclosed pursuant to paragraph (g)(3) of this section, a statement that the payment is a cushion for the escrow account, labeled "Initial Escrow Payment," and a reference to the information disclosed pursuant to paragraph (g)(3) of this section.". Since (g)(3) is stating to only total those amounts designated as "borrower paid", the seller's paid portion would not be included in the total, and that same borrower-paid amount is to be disclosed in both sections of the CD. Corrected CD and LOE to borrower required to cure.
1450000322	4/18/2019	3	Missing Document: Servicing Comments not provided
1450000322	4/18/2019	1	The Borrower has mortgage late payment(s) within the prior 12 months.		Borrower has 1x30 days delinquent for 02/2019 which was brought current the month afterwards.			Reviewer Comment (2019-06-03): Pay history provided from 02/XX/2019-03/XX/2019 shows due date of 03/XX/2019 as of 02/XX/2019; exception cleared. Buyer Comment (2019-05-31): Per loan servicing, they received the 1st payment due on 02/XX/2019 for loan XXX on 02/2019 and payment due on 03/XX/2019 was received on 03/XX/2019. Attached is the payment history from the origination system for verification. When the loan was moved to the servicing system the funds were reversed from the origination system and applied back to the loan in the servicing system on 03/XX/2019 and 03/XX/2019 respectively. Please note that the loan number also changed in the servicing system as it is only 10 digits: XXX. No payments were received after 30 days. I also attached a copy of the servicing system payment history.
1450000321	10/25/2019	3	Missing Document: Missing Final 1003		The loan file was missing a copy of the final 1003.			Reviewer Comment (2019-10-25): Client Acknowledges the condition Buyer Comment (2019-10-24): Acknowledged - Seller does not have the document. Priced as S&D.
1450000321	10/25/2019	1	Missing Document: AUS not provided		Per the 1008, the loan file was underwritten via AUS which was not located in the loan file.			Reviewer Comment (2019-10-24): Lender provided the AUS. This issue is cleared. Seller Comment (2019-10-23): FINAL AUS
1450000321	10/25/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	The borrower was receiving cash back at closing from gift funds paid on behalf of the borrower along with earnest money paid prior to close.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the paystubs for the borrower.			Reviewer Comment (2019-10-09): Client acknowledges the condition Buyer Comment (2019-10-04): Acknowledged - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	1	Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification.	-	The account was noted as paid by parent while borrower was an authorized user.			Reviewer Comment (2019-10-09): Client acknowledges the condition Buyer Comment (2019-10-04): Acknowledged - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	3	AUS Findings: All conditions were not met		AUS conditions and investor guidelines were not provided. Missing AUS. Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	3	Overtime Bonus 2Yr Calc	Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing.	Bonus income was captured with 2017/2018 figures. No YTD was provided. Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client acknowledges the condition Buyer Comment (2019-10-04): Acknowledged - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	3	General Ability To Repay Provision Investor Guidelines Not Provided	Ability to Repay (Dodd-Frank 2014): Unable to determine ability to repay due to missing guidelines. Loan characteristics are DTI: 45.91289%, LTV/CLTV: XXX%/XXX%, Credit Score: 804, Occupancy: Primary, Purpose: Purchase,	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of ATR Risk.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. No assignee liability.
1450000321	10/25/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. No assignee liability.
1450000321	10/25/2019	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.	The CD reflected escrows were collected at closing and the Initial Escrow Disclosure was not provided.			Reviewer Comment (2019-10-09): Client elected to waive the condition Buyer Comment (2019-10-04): Waived - S&D, also priced as Non ATR / Non QM. No assignee liability.
1450000321	10/25/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-10-07): Client has elected to waive condition. Buyer Comment (2019-10-04): Waived - AMC DD EV 2 - FYI ONLY
1450000321	10/25/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $895.00 exceeds tolerance of $850.00. Sufficient or excess cure was provided to the borrower at Closing.	The loan file did not provide evidence of a cure in the amount of $45 for exceeding the tolerance of the Appraisal fee.		6/XX/2020
1450000321	10/25/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA/Condo Questionnaire. Fee Amount of $308.85 exceeds tolerance of $200.00. Sufficient or excess cure was provided to the borrower at Closing.	The loan file did not provide evidence of a cure in the amount of $108.85 for exceeding the tolerance of the HOA/Condo Questionnaire fee.		6/XX/2020
1450000321	10/25/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Non-warrantable condo. The loan file does not contain evidence to verify if the subject condo is warrantable or unwarrantable.			Reviewer Comment (2019-10-09): Client acknowledges the condition Buyer Comment (2019-10-04): Acknowledged - AMC DD EV 2. S&D REASON
1450000321	10/25/2019	1	General Ability To Repay Provision Investor Qualification Method not Matching ATR	Ability to Repay (Dodd-Frank 2014): The Qualification Method used by the lender does not match the ATR payment calculation methods under 1026.43(c)(5).	Approved at qualifying rate on AUS. Subsequently loan was declined as meeting AUS.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-24): Waived - S&D, also priced as Non ATR / Non QM.
1450000321	10/25/2019	3	AUS Findings: Loan amount discrepancy.	Note loan amount of ___ exceeds AUS loan amount of ___.	Note loan amount of $XXX exceeds AUS loan amount of $XXX. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-10-29): Client acknowledges exception. Buyer Comment (2019-10-29): Acknowledged - S&D, also priced as Non ATR / Non QM.
1450000320	10/25/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - DU reran after closing to correct income. DTI is now 54.76 and ineligible. A 2 year average was used for all rental income which was counted incorrectly when the DU was generated prior to closing resulting in a much lower income for the investment properties.			Reviewer Comment (2019-10-25): Client Acknowledges the condition Buyer Comment (2019-10-17): Acknowledged
1450000320	10/25/2019	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		HOI coverage is insufficient by $XXX.			Reviewer Comment (2019-10-25): Lender provided a replacement cost estimate evidencing sufficient coverage. This issue is cleared. Seller Comment (2019-10-23): Current Policy and Replacement Policy attached.
1450000320	10/25/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-17): Waived - Issue is related to the known defect.
1450000319	10/25/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Incorrect income calculation. LPA caution," has been confirmed. Audit confirmed the rental income was incorrectly calculated. After review, a negative cash flow of -$54 was noted resulting in a DTI of 53%.			Reviewer Comment (2019-10-25): Client acknowledges the exception. Buyer Comment (2019-10-17): Acknowledged
1450000319	10/25/2019	3	Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided		The Acknowledgement of Borrower's Rights were not provided per the Security Instrument.			Reviewer Comment (2019-10-25): Client waives the exception. Buyer Comment (2019-10-23): Waived - Doesn't impact XXX's ability to purchase the loan.
1450000319	10/25/2019	3	AUS Findings: All conditions were not met		The LP approved the transaction based on a rental cash flow of $480.53. Audit determined there was actually a negative cash flow of $54.			Reviewer Comment (2019-10-25): Client waives the exception. Buyer Comment (2019-10-17): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000319	10/25/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Due to incorrect rental income calculations, the DTI was increased to 53% and no investor guidelines were provided.			Reviewer Comment (2019-10-25): Client waives the exception. Buyer Comment (2019-10-17): Waived - Issue is related to the known defect.
1450000318	10/25/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "DU is risk class caution," has been confirmed. The loan file contained a post dated LP reflecting Caution/Eligible. While the loan file contained a 1008 reflecting the LP with an Accept/Eligible with the same case ID, it was not located.			Reviewer Comment (2019-10-25): Client acknowledges the condition Buyer Comment (2019-10-17): Acknowledged
1450000318	10/25/2019	3	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-17): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000318	10/25/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-17): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000318	10/25/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-17): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000318	10/25/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The final CD provided an incorrect dollar amount by which total closing costs were exceeded.		6/XX/2020
1450000318	10/25/2019	1	TRID Ten Percent Tolerance Violation With Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $123.00 exceeds tolerance of $82.00 plus 10% or $90.20. Sufficient or excess cure was provided to the borrower.	The loan file did not provide evidence of a cure in the amount of $32.80 for exceeding the 10% tolerance.		6/XX/2020
1450000317	10/25/2019	2	Federal HPML 2014 Non Compliant	Federal Higher-Priced Mortgage Loan: APR on subject loan of 6.28460% or Final Disclosure APR of 6.27900% is in excess of allowable threshold of APOR 3.86% + 1.5%, or 5.36000%. Non-Compliant Higher Priced Mortgage Loan.	APR on subject loan of 6.28460% or Final Disclosure APR of 6.27900% is in excess of allowable threshold of APOR 3.86% + 1.5%, or 5.36000%.		6/XX/2020	Reviewer Comment (2019-10-25): Client acknowledges the condition Buyer Comment (2019-10-18): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000317	10/25/2019	2	TIL HPML Flipped Property (Multiple Appraisal Fees)	TILA HPML Appraisal Rule (Dodd-Frank 2014): Flipped Property - Creditor improperly charged consumer for two (2) appraisals.			6/XX/2020	Reviewer Comment (2019-10-26): Client acknowledges the condition Buyer Comment (2019-10-25): Acknowledged - Loan is priced as a S&D, also Non ATR / Non QM. Reviewer Comment (2019-10-25): HPML rules prohibit the lender from passing that cost on to the borrower for the 2nd appraisal on HPML loans where classification is a Flip. The loan last transferred ownership, per the appraisal's, in 12/2018 and this purchase transaction application date is 05/XX/2019 = Flip classification. XXX requires a PCCD refunding the cost for the 2nd appraisal to the borrower, a copy of the letter to the borrower addressing the changes made, a copy of the refund check to the borrower and evidence of delivery. This issue remains open. Seller Comment (2019-10-21): We do have a second appraisal, attached.
1450000317	10/25/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - S&D Uninsured, ALSO PRICED AS NON ATR / NON QM.
1450000317	10/25/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000317	10/25/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of HUD Safe Harbor QM per Mavent			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000317	10/25/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000317	10/25/2019	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		6/XX/2020	Reviewer Comment (2019-10-23): Upon further review, the exception is cleared. Buyer Comment (2019-10-21): This is a system calculated field by XXX - please provide the values used for calculation on your side if possible.
1450000317	10/25/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 06/XX/2019 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	The final CD disclosed the Initial Escrow payment on page 4 as $1,542.76 on page 4; however the seller paid $788.11 and the borrower paid $754.65, which is reflected on page 2 of the disclosure . .		6/XX/2020	Reviewer Comment (2019-10-21): Client has elected to acknowledge exception. Buyer Comment (2019-10-18): Acknowledged - NO ASSIGINEE LIABILITY, SELLER NOTIFIED.
1450000317	10/25/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing costs exceeded legal limit taken from final CD.		6/XX/2020
1450000317	10/25/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Documentation was required per DU to show the co-borrower was employed for 6 months at the time of the case number assignment date of 5/XX/2019. The co-borrower's date of hire with the XXX is 11/XX/2018. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - S&D REASON.
1450000317	10/25/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Documentation was required per DU to show the co-borrower was employed for 6 months at the time of the case number assignment date of 5/XX/2019. The co-borrower's date of hire with the XXX is 11/XX/2018. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - S&D REASON.
1450000317	10/25/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - XXX loan, never sold. Loan is unisurable. Case number was assigned on 5/XX/2019. Based on this date, we are 11 days short of the 6 month requirement for documentation pertaining to a gap in employment for the borrower. All 2nd mortgage/DPA will be released/extinguished upon transfer. The co-borrower's hire date with the XXX is 11/XX/2018 which is less than 6 months to the date of the Case Assignment date,			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - AMC DD EV 2, S&D REASON CONFIRMED.
1450000317	10/25/2019	3	FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.	Borrower's total contribution is ___ (___).	Borrower's total contribution is 2.02910% ($XXX) does not meet 3.5% minimum.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-18): Waived - S&D UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000316	10/25/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-24): Waived - priced as atr fail
1450000316	10/25/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final Closing Disclosure provided on 06/XX/2019 did not disclose an amount by which the Total Closing Costs exceeded the legal limit.		6/XX/2020
1450000316	10/25/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Unacceptable Appraisal - Property condition does not meet investor requirements. XXX deems property is still a C5, despite final inspection bringing it up to a C4. Investor will not purchase due to appraisal not being submitted for approval prior to the loan approval/closing. ***Appraisal commentary suggests appraisal is "subject to conditions to bring to a C4."			Reviewer Comment (2019-10-25): Client Acknowledges the condition Buyer Comment (2019-10-24): Acknowledged
1450000316	10/25/2019	2	ECOA Receipt of Preliminary Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation.			Reviewer Comment (2019-10-25): Client elected to waive the condition Buyer Comment (2019-10-24): Waived - 2
1450000315	10/22/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of WI.		11/XX/2019
1450000315	10/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed- The following required documentation was not provided. The sales contract is incomplete. A report regarding the condition of the basement/foundation, which is referenced by the Real Estate Condition Report B-7 as being "attached", is not included in the file. The contract was contingent on a third-party basement/foundation inspection. In addition, the "Amendment to Offer to Purchase" addendum to the contract includes a significant reduction in purchase price and adds a contingency for the Seller to provide receipts for repair/inspection of several additional issues one of which is a potential safety hazard. No third-party inspections or report regarding the soundness of the property was found in the file and no receipts or invoices were provided showing repair issues had been addressed. The subject loan was not eligible for sale to Freddie Mac.			Reviewer Comment (2019-10-26): Client acknowledges the condition Buyer Comment (2019-10-25): Acknowledged
1450000315	10/22/2019	1	Missing Document: Bankruptcy Documents not provided		Missing bankruptcy documentation.			Reviewer Comment (2019-10-30): Not required. Buyer Comment (2019-10-30): the bankruptcy paperwork shouldn't be required as it was discharged in 2010. there was no mortgage in foreclosure so no other timing requirements would need to be met. nothing in the bankruptcy docs would need to be seen and the DU didn't call for them.
1450000314	10/26/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: UN-INSURABLE- INCOME CALS AND WE DON'T MEET DTI REQUIREMENTS. AUS IS NOW REFER. *** The underwriter used a conservative income as audit revealed the borrower's income was in fact higher than what was used for qualification.			Reviewer Comment (2019-10-26): Client acknowledges the condition Buyer Comment (2019-10-25): Acknowledged
1450000314	10/26/2019	3	FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.	Borrower's total contribution is ___ (___).	The FHA contribution testing indicated the borrower was short 1.65%.			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - uninsured
1450000314	10/26/2019	3	AUS Findings: All conditions were not met		The loan required 3.5% borrower contributions and the loan file indicated the borrower fell short of the requirement. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - priced as atr fail
1450000314	10/26/2019	3	Final HUD Addendum 92900-A is missing.	-	The final 92900-A was not located in the loan file.			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - uninsured
1450000314	10/26/2019	3	Overtime Bonus 2Yr Calc	Qualified Mortgage (Dodd-Frank 2014): Use of Overtime/Bonus income for less than two (2) years not justified or documented in writing.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required. More than 2 years of overtime income was obtained and the underwriter used the lowest income calculation.			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - priced as atr fail
1450000314	10/26/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable. The required borrower contribution of 3.5% was not satisfied.			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - uninsured
1450000314	10/26/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - priced as atr fail
1450000314	10/26/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Safe Harbor QM per High Cost Analysis.			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - accept dil desig
1450000314	10/26/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - priced as atr fail
1450000314	10/26/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-10-26): Client elected to waive the condition Buyer Comment (2019-10-25): Waived - 1
1450000314	10/26/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 11/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The final CD did not provide a dollar amount by which total closing costs were exceeded.		12/XX/2019
1450000313	10/29/2019	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.				Reviewer Comment (2019-10-29): Client waives the exception. Buyer Comment (2019-10-28): Waived - 1
1450000313	10/29/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing cost exceeded the legal limit taken from final CD.		6/XX/2019
1450000313	10/29/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,825.00 exceeds tolerance of $1,698.00 plus 10% or $1,867.80. Insufficient or no cure was provided to the borrower.	Cure for the 10% tolerance violation in the amount of $957.20 was not provided. Provide a post-close CD disclosing the tolerance cure of $957.20, copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		6/XX/2019	Reviewer Comment (2019-10-29): Client has elected to waive the exception. Buyer Comment (2019-10-28): Waived - 2
1450000313	10/29/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		6/XX/2019	Reviewer Comment (2019-10-29): Client has elected to waive exception. Buyer Comment (2019-10-28): Waived - 2
1450000313	10/29/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2019-10-29): Client waives the exception. Buyer Comment (2019-10-28): Waived - no remedy possible at this point
1450000313	10/29/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-				Reviewer Comment (2019-10-29): Client waives the exception. Buyer Comment (2019-10-28): Waived - uninsured
1450000313	10/29/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-				Reviewer Comment (2019-10-29): Client waives the exception. Buyer Comment (2019-10-28): Waived - uninsured
1450000313	10/29/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - The borrower received gift funds and had minimal funds of her own. The gift funds were entered inappropriately in to Sec II of the 1003 (source of funds). The correct entry should be gift funds, and what was entered as the source of funds was checking and savings. The actual gift amount was only entered in the asset section of the 1003. Entering the funds in this manner caused a false positive on the approval. AUS, while reading the gift funds in the assets section as total overall funds verified for closing, does not read that the down payment is coming from the gift. This slight difference may, in some instances where the borrower has little or no funds of their own, cause AUS to issue a false positive. After correcting the entry, the file was deemed ineligible. Per XXX: We do not have sufficient documentation to underwrite this loan manually and there are no viable compensating factors to allow for the DTI. Regretfully, I do not believe we have any other avenues to resurrect an approval on this loan. **According to the Gift letter in the loan file from the borrower's fiance, the gift amount was $11,900. The borrower's own funds were $416.18 prior to closing. The $2,000 Earnest Deposit is reflected coming out on the borrower's XXX bank statement (#XXX) dated 5/XX/2018 showing a withdraw for $2,000 on 4/XX/2018 to XXX. There is no receipt, copy of check for the gift funds from the fiance's XXX account, only a copy the actual bank statement dated 5/XX/2018 reflecting a balance of $11,940.13.			Reviewer Comment (2019-10-29): Client acknowledges the exception. Buyer Comment (2019-10-28): Acknowledged
1450000312	10/29/2019	1	Payoff Statement Missing	Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.				Reviewer Comment (2019-10-29): Client elected to waive the condition Buyer Comment (2019-10-29): Waived - 1
1450000312	10/29/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2018 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	Section G $42.77 x 4 = $170.96 versus $171.08		6/XX/2019
1450000312	10/29/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-10-29): Client elected to waive the condition Buyer Comment (2019-10-29): Waived - accept dil desig
1450000312	10/29/2019	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2019-10-29): Client elected to waive the condition Buyer Comment (2019-10-29): Waived - bpo
1450000312	10/29/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on the tape has not been confirmed - UPDATED DTI 59.04% Undisclosed Liability: There is additional monthly debt with TD auto Finance that was not disclosed in the loan documentation. Updated DTI of 59.04%. Due to servicing error, August payment did not post until 9/XX/2019. Due to the error, servicer will waive any late fees and refrain from reporting the late payment to the credit agencies. **The loan file does not include any evidence of a auto loan with XXX to verify an additional debt.			Reviewer Comment (2019-10-29): Client acknowledges the condition Buyer Comment (2019-10-29): Acknowledged
1450000311	10/28/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 4747. This $230.00 fee was seller paid, and is customarily paid by Seller in the state of NJ.		5/XX/2018
1450000311	10/28/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Agency EPD. ... Pay history in file reflects the January and February 2018 payments were paid over 30 days past their due date.			Reviewer Comment (2019-10-31): Client acknowledges the exception. Buyer Comment (2019-10-30): Acknowledged
1450000310	10/29/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 2933. The fee in question were seller paid.		7/XX/2019
1450000309	10/29/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. Page 1 of the appraisal report reflects the property is a 1-unit; however, the Supplemental Addendum reflects the property is currently a 2-unit with the lower level being one unit and the upper level being the second unit. The appraiser indicates the cost to turn the property back into a single family detached property is $5,000. The file does not contain any documentation to support the property has been returned to a single family residence.			Reviewer Comment (2019-10-29): Client waives exception. Buyer Comment (2019-10-29): Waived - AMC DD EV 2. S&D REASON.
1450000309	10/29/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	Start and End date of previous employment not verified.			Reviewer Comment (2019-10-29): Client waives exception. Buyer Comment (2019-10-29): Waived - AMC DD EV2.
1450000309	10/29/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 2933. The fees in question were seller paid. It is customary the fees in question be paid by seller's in the state of PA.		6/XX/2019
1450000309	10/29/2019	3	Valuation Exception:		The valuation was completed on an Appraisal Form 1004/70 for a 1-unit single family residence; however, the Supplemental Addendum reflects the property is a 2-unit property with a cost to cure of $5,000 to revert the property back to a 1-unit single family residence. The file does not contain documentation to verify the property has been reverted back to a 1-unit single family residence. Please provide documentation verifying the property is now a 1-unit single family residence.			Reviewer Comment (2019-10-29): Client acknowledges exception. Buyer Comment (2019-10-29): Acknowledged - S&D Reason.
1450000308	11/4/2019	2	TRID Final Closing Disclosure Prepaid Homeowners Association Dues Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 07/XX/2018 did not disclose number of months for Homeowners Association Dues under Prepaids.	Number of months not populated.		7/XX/2019	Reviewer Comment (2019-11-04): Client elected to waive the condition Buyer Comment (2019-11-01): Waived - AMC DD EV 2.
1450000308	11/4/2019	1	TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $75.00 exceeds tolerance of $38.00 plus 10% or $41.80. Sufficient or excess cure was provided to the borrower at Closing.	Excess cure on $80.00 was provided to the borrower at Closing.		7/XX/2019
1450000308	11/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed:Insurance Documentation. Project shows as being in a flood zone, but we never got flood insurance in place.			Reviewer Comment (2019-11-01): Client waives exception. Buyer Comment (2019-11-01): Waived - AMC DD EV 2
1450000307	9/4/2020	1	Rental Income Documentation - Schedule E Method Test	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided.	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing the Lease Agreement.			Reviewer Comment (2020-09-04): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-11-05): Client acknowledges exception. Buyer Comment (2019-11-05): Acknowledged - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal. Lease income per 1003 is minimum.
1450000307	9/4/2020	1	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-09-04): Client provided guidelines to review and max DTI is 60% Reviewer Comment (2019-11-05): Client waives exception. Buyer Comment (2019-11-05): Waived - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal. Lease income per 1003 is minimum.
1450000307	9/4/2020	1	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Originator Loan Designation not provided.			Reviewer Comment (2020-09-04): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-11-05): Client waives exception. Buyer Comment (2019-11-05): Waived - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal.
1450000307	9/4/2020	1	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Loan is no longer agency eligible - please advise which guidelines are applicable. File is missing an LOE to explain the 3.5 month gap in the work history.			Reviewer Comment (2020-09-04): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-11-05): Client acknowledges exception. Buyer Comment (2019-11-05): Acknowledged - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal. Borrower qualified w/ Pension and SS income.
1450000307	9/4/2020	1	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Work history requirements were not met.			Reviewer Comment (2020-09-04): Client provided guidelines to review and designation was updated to Non-QM Reviewer Comment (2019-11-05): Client waives exception. Buyer Comment (2019-11-05): Waived - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal.
1450000307	9/4/2020	1	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-09-04): Client provided guidelines to review and max DTI is 60% Reviewer Comment (2019-11-05): Client waives exception. Buyer Comment (2019-11-05): Waived - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal.
1450000307	9/4/2020	3	Social Security Documentation	Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient.	Social Security income is missing the Award Letter.			Reviewer Comment (2020-09-04): Client provided guidelines to review and documentation requirement was met Reviewer Comment (2019-11-05): Client acknowledges exception. Buyer Comment (2019-11-05): Acknowledged - S&D FHA Uninsured, also priced as Non ATR / Non QM. S&D reason DTI 73%, error was made in income cal. 1099 provided, borrower is of retirement age.
1450000307	9/4/2020	2	Due Diligence results do not confirm loan defect provided		Due Diligence results do not confirm loan defect provided - FHA uninsurable. Error was made in income calculation. Correct DTI is 73%.			Reviewer Comment (2019-11-05): Client acknowledges exception. Buyer Comment (2019-11-05): Acknowledged - AMC DD EV 2
1450000307	9/4/2020	3	Guideline Requirement: Representative FICO score discrepancy.
1450000307	9/4/2020	3	Guideline Requirement: PITIA reserves months discrepancy.
1450000307	9/4/2020	2	Check Restated Loan Designation Match - General Ability to Repay	Ability to Repay (Dodd-Frank 2014): The initial Loan Designation provided did not match. However, the updated Loan Designation of Non QM matches the Due Diligence Loan Designation of Non QM.
1450000306	11/12/2019	3	Missing Document: Fraud Report not provided		The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report as required by the guidelines.			Reviewer Comment (2019-11-12): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
1450000306	11/12/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed The client was delinquent on their July 2019 mortgage payment, making this undeliverable to the GSEs. Late payment after closing not documented in file.			Reviewer Comment (2019-11-12): Client acknowledges the condition Buyer Comment (2019-11-11): Acknowledged
1450000306	11/12/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure of $2040.62 was reflected, which is insufficient to cure $2042.97. Provide a post-close CD disclosing the tolerance cure of $20402.67 a copy of the refund check for remaining cure of $2.35, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		5/XX/2020
1450000306	11/12/2019	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-8,784.03 is less than amount of binding Lender Credit previously disclosed in the amount of $-10,827.00.	Fee disclosed was last disclosed as -$10827 on LE but disclosed as -$8784.03 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.		5/XX/2020	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000306	11/12/2019	3	TIL Right To Rescind - H-8 On Refinance By The Same Creditor: Third Circuit	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.	Right to Cancel was issued on incorrect form. TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form. H-9 Form must be used as lender is not the same as originating lender.		5/XX/2022	Reviewer Comment (2019-11-12): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000305	11/13/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided		LDP not located in file.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-12): Acknowledged - XXX performs the LDP search on every transaction. They do not upload the search results to their system, but it is done on every transaction. They search each borrower manually.
1450000305	11/13/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Guideline The client is short Funds to Close because of $1,650 in Rent Credits that was used in error. As a result, the client does not meet the minimum down payment required by FHA," has been confirmed.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-12): Acknowledged
1450000305	11/13/2019	3	FHA - Amendatory Clause is not compliant.	-	Amendatory Clause did not contain seller/realtor signatures.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
1450000305	11/13/2019	2	FHA - Amendatory Clause was provided at or after closing.	- Provided Date: ___; Consummation Date: ___	Amendatory Clause was signed the day of closing..			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
1450000305	11/13/2019	3	FHA - Conditional Commitment DE Statement of Appraised Value (92800.5B) is not compliant.	-	Form 92800.5B not signed by underwriter.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
1450000305	11/13/2019	3	FHA - Real Estate Certification is not compliant.	-	Real Estate not signed by seller/realtor and not dated prior to close.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
1450000305	11/13/2019	2	FHA - Real Estate Certification was provided at or after closing.	- Provided Date: ___; Consummation Date: ___	Real Estate Cert not singed by seller/realtor or dated prior to close.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan is uninsured FHA so issue doesn't impact XXX's ability to purchase this loan.
1450000305	11/13/2019	1	Missing Initial Loan Application Test	No evidence of application date located in file. Compliance tests were run using an application date of 06/XX/2019 which is 1 months prior to consummation. A lookback was performed to determine this application date.	The loan file was missing all lender 1003's.			Reviewer Comment (2019-11-21): Identified creditor application date. This issue is cleared.
1450000305	11/13/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	The borrower did not meet the funds from borrower requirement due to a mis-used adjustment for rents received.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue is related to the known defect.
1450000305	11/13/2019	1	NMLS - Missing Evidence of Initial Loan Application Date	Truth in Lending Act (NMLSR Dodd- Frank 2014): Unable to determine compliance with NMLSR timing requirements due to missing evidence of initial loan application date.	The loan file was missing all lender 1003's.		7/XX/2022	Reviewer Comment (2019-11-21): Identified creditor application date. This issue is cleared. Seller Comment (2019-11-19): Please see the evidentiary document attached which confirms the dates the borrower received and acknowledged docs
1450000305	11/13/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Investor guidelines not provided.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000305	11/13/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Loan designation selected from High Cost Analysis.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-12): Acknowledged
1450000305	11/13/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Though the DTI met AUS requirements; investor guidelines were not provided.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000305	11/13/2019	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Unable to determine if Creditor provided Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application due to missing information.	Unable to determine timing requirements due to missing lender 1003's.			Reviewer Comment (2019-11-21): Identified creditor application date. This issue is cleared.
1450000305	11/13/2019	1	RESPA Homeownership Counseling List Timing	Unable to determine compliance with timing requirements due to missing Initial Loan Application Date.	Unable to determine timing requirements due to missing lender 1003's.			Reviewer Comment (2019-11-21): Identified creditor application date. This issue is cleared.
1450000305	11/13/2019	2	Virginia MLBA Broker Notice	Virginia Mortgage Lender and Broker Act: Mortgage broker also acting as agent has received compensation from the borrower without providing a written agreement to the borrower.	The loan file was missing the Virginia Broker Notice.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000305	11/13/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	An itemization for seller credit was not provided in the loan file.			Reviewer Comment (2019-11-12): Client elected to acknowledge exception. Buyer Comment (2019-11-12): Acknowledged
1450000305	11/13/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The final closing disclosure did not provide a dollar amount by which total closing cost were exceeded.		7/XX/2020
1450000305	11/13/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 07/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	The Final CD disclosed an Total Interest percentage of 59.15% which does not match the calculated Interest percentage.		7/XX/2020
1450000305	11/13/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $745.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower.	The loan file did not provide evidence of a cure in the amount of $145 for exceeding the tolerance of the Appraisal Fee.		7/XX/2020	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000305	11/13/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee. Fee Amount of $10.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The loan file did not provide evidence of a cure in the amount of $10 for exceeding the tolerance of the Title-Wire Fee.		7/XX/2020	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000305	11/13/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $15.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The loan file did not provide evidence of a cure in the amount of $15 for exceeding the tolerance of the Wire Fee.		7/XX/2020	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000305	11/13/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,110.83 exceeds tolerance of $2,110.00. Insufficient or no cure was provided to the borrower.	The loan file did not provide evidence of a cure in the amount of $.83 for exceeding the tolerance of the 10% tolerance.		7/XX/2020	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000305	11/13/2019	3	AUS Findings: All conditions were not met		The AUS required the borrower to contribute $9,712.50; however due to the mis-use of rent adjustments, the borrower funds required to meet FHA guidelines were short.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue is related to the known defect.
1450000304	11/13/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Designation taken from file.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-11): Acknowledged
1450000304	11/13/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-11-12): Client elected to acknowledge exception. Buyer Comment (2019-11-11): Acknowledged
1450000304	11/13/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing cost exceeded the legal limit taken from final CD.		9/XX/2019
1450000304	11/13/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 09/XX/2018 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	TIP taken from CD.		9/XX/2019
1450000304	11/13/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $29.68 exceeds tolerance of $15.00. Insufficient or no cure was provided to the borrower.	Fee change without valid COC.		9/XX/2019	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000304	11/13/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed -Undisclosed Liability not located. Client opened a XXX auto loan with a monthly payment of $732 on 4/XX/18 prior to closing on 9/XX/18. Including the debt increases the DTI to 63%. The first payment on the debt was not made until 1/XX/19 and the original inquiry does not show up on the original credit report. There was no documentation in the loan file to confirm the undisclosed debt.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-11): Acknowledged
1450000304	11/13/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is not agency salable and investor guidelines were not provided.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-11): Acknowledged
1450000304	11/13/2019	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Appendix Q requires confirmation of work dates and the prior dates have not been confirmed.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000303	11/13/2019	1	Missing Document: Purchase Agreement / Sales Contract not provided		Missing purchase agreement.			Reviewer Comment (2019-11-13): Seller provided a copy of the purchase contract. This issue is cleared. Seller Comment (2019-11-12): 11/12: please see the attachment.
1450000303	11/13/2019	3	Missing Document: Fraud Report not provided		Missing fraud report.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
1450000303	11/13/2019	3	Missing Document: General Services Administration (GSA) not provided		Missing General Services Administration.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000303	11/13/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided		Missing limited denial of participation.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - XXX performs the LDP search on every transaction. They do not upload the search results to their system, but it is done on every transaction. They search each borrower manually.
1450000303	11/13/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	Per final CD, cash to close equals $560.79.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000303	11/13/2019	3	The Veteran's ETS (Estimated Term of Service) or Statement of Service is within 12 months of the date that the loan closed and no documentation of re-enlistment or other income source was provided.		Missing documentation of re-enlistment or other income source.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan
1450000303	11/13/2019	2	The file is missing evidence of the Total Monthly Income taxes used by lender to calculate the VA Residual Income.		Missing evidence of the total monthly taxes used by lender to calculate the VA residual income.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan bid as VA uninsured.
1450000303	11/13/2019	3	REO Documents are missing.	- ___	Missing the required documents to verify the monthly costs of the REO.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan
1450000303	11/13/2019	3	NPMA-33 Wood Destroying Insect Inspection Report is missing.	-	Missing the wood destroying insect inspection report.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan bid as uninsured VA.
1450000303	11/13/2019	3	Loan Guaranty Certificate is missing.	-	Missing the loan guaranty certificate.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan bid as VA uninsured.
1450000303	11/13/2019	3	VA Notice of Reasonable Value/CRV Form 26-1843 is missing.	-	Missing the VA notice of reasonable value.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan bid as uninsured VA.
1450000303	11/13/2019	3	VA 1003 Section VIII Declarations E, F is missing.	-	Missing the VA 1003 section VIII declarations E and F.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan bid as uninsured VA.
1450000303	11/13/2019	3	VA - Escape Clause is missing.	-	Missing the VA escape clause.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan bid as uninsured VA.
1450000303	11/13/2019	3	VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%	Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.				Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000303	11/13/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000303	11/13/2019	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Subject loan is not eligible to be insured or guaranteed by VA.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan bid as uninsured VA.
1450000303	11/13/2019	1	TRID Final Closing Disclosure Alternate Table With Seller	TILA-RESPA Integrated Disclosure - Costs at Closing/ Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 used an alternate table on a transaction with a seller.	Final Closing Disclosure provided on 05/XX/2019 used an alternate table on a transaction with a seller. (Final/05/XX/2019)		5/XX/2020
1450000303	11/13/2019	1	TRID Final Closing Disclosure Total Interest Percentage	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.	Final Closing Disclosure provided on 05/XX/2019 disclosed a Total Interest Percentage that does not match the actual total interest percentage for the loan.		5/XX/2020
1450000303	11/13/2019	1	TRID Final Closing Disclosure With Seller - Cash To Close	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures.	Final Closing Disclosure provided on 05/XX/2019 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures. (Final/05/XX/2019)		5/XX/2020
1450000303	11/13/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit. (Final/05/XX/2019)		5/XX/2020
1450000303	11/13/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000303	11/13/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-11-12): Client elected to acknowledge exception. Buyer Comment (2019-11-11): Acknowledged
1450000303	11/13/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per QM Findings			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-11): Acknowledged
1450000303	11/13/2019	2	TRID Final Closing Disclosure Total Amount for Recording Fees	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed the total amount for all recording fees on a line other than the first line.	Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed the total amount for all recording fees on a line other than the first line.		5/XX/2020	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000303	11/13/2019	3	AUS Findings: Available for Reserves discrepancy.	Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___.	Short assets ($1,733.00) to close per DU. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000302	11/13/2019	2	Due diligence results confirm loan defect provided		Employment Client's qualifying employment was terminated on 8/XX/18 prior to closing on 8/XX/18. Without the income the DTI increases to 102%. Our Worknumber recert VOE showed the client was still employed as of 8/XX/18. The loan was never approved for day one certainty as DU did consume the Worknumber VOE. Postclose research confirms that the client was unemployed until she obtained alternate employment with lower earnings in December 2018.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue is related to the known defect.
1450000302	11/13/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue is related to the known defect.
1450000302	11/13/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue is related to the known defect.
1450000302	11/13/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% and/or 10% tolerance violation in the amount of $25.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $25.00 copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		8/XX/2019
1450000302	11/13/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $1,927.00 exceeds tolerance of $1,902.00. Insufficient or no cure was provided to the borrower.	Fee disclosed was last disclosed as $1902.00 on LE but disclosed as $1927..00 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing.		8/XX/2019	Reviewer Comment (2019-11-12): Client elected to waive exception. Buyer Comment (2019-11-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000302	11/13/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000302	11/13/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-11): Waived - Issue is related to the known defect.
1450000301	11/13/2019	3	Missing Document: Fraud Report not provided		The fraud report was not evidenced in the loan file.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
1450000301	11/13/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: The subject property is a manufactured home as evidenced by the flood insurance application and the original online listing of the property. Manufactured homes are not eligible for a waiver per Guide section 5601.9, yet loan closed with an appraisal waiver. Subsequent research by QL and title company confirm the property is a manufactured home. Unable to confirm since the flood insurance application under D0120 is not legible enough to see if the subject property was identified as a manufactured home.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-12): Acknowledged
1450000301	11/13/2019	3	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___	No valuation reports were evidenced in the loan file.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - BPO dated 10/XX/19 shows no evidence of damage.
1450000301	11/13/2019	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Insufficient Hazard Insurance. Short $XXX.			Reviewer Comment (2019-11-21): Sufficient coverage was obtained Seller Comment (2019-11-20): Please see attached
1450000301	11/13/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	The hazard premium of $3077.10 was paid prior to closing and cash back at closing was $1185.59. $1891.51 is the difference and the borrower's asset balance is $1229.88. Borrower is short by $661.63.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000301	11/13/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used
1450000301	11/13/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Loan was closed using agency guidelines so no other ones can be used
1450000301	11/13/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	The high cost analysis in the loan file confirms the points/fees exceeds the max threshold.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000301	11/13/2019	1	TRID Final Closing Disclosure Closing Costs Subtotals Paid By Others	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 11/XX/2018 disclosed Total Closing Costs (Paid by Others) that does not match sum of fees.	.		11/XX/2019
1450000301	11/13/2019	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.	The H-8 form was used, the H-9 form should have been used since the new lender and the origination lender are the same.		11/XX/2021	Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000300	11/14/2019	3	Missing Document: Fraud Report not provided		Fraud Report is missing from the loan file			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
1450000300	11/14/2019	3	FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected.	Disaster Name: ___ Disaster Declaration Date: ___ Disaster End Date: ___	Post close inspection report missing from the loan file.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - BPO dated 10/XX/19 show no evidence of damage.
1450000300	11/14/2019	1	Federal HOEPA Disclosures	Truth in Lending Act (HOEPA): HOEPA disclosure was not provided to the Borrower				Reviewer Comment (2019-11-25): Lender provided documentation supporting bona fide discount points and pass-through expenses for title and and appraisal fees. This issue is cleared. Seller Comment (2019-11-21): see attached Reviewer Comment (2019-11-21): Lender provided data for the undiscounted rate and exclusion of $700 of the discount points, notice that only a portion of the the appraisal fee was paid to the affiliate and notice that XXX does not make High Cost loans. Review also excluded the $700 in discount points and only counted the amount to the AMC in our calculations.. The issue is the lenders title insurance for $450.00 This amount was paid to an affiliate. Review is including this in our calculations and lender is not. File requires the final settlement statement and it must identify the item charges and all pass through amounts paid to 3rd party providers for further evaluation. This issue remains open. Seller Comment (2019-11-18): see attached
1450000300	11/14/2019	1	Federal HOEPA Fees Financed by Lender	Truth in Lending Act (HOEPA): Mortgage loan financed Points and Fees.				Reviewer Comment (2019-11-25): Lender provided documentation supporting bona fide discount points and pass-through expenses for title and and appraisal fees. This issue is cleared. Reviewer Comment (2019-11-21): This is a waterfall exception. It will be cleared only after all underlying issues are cleared. This issue remains open. Seller Comment (2019-11-18): see attached
1450000300	11/14/2019	1	Federal HOEPA Late Charge	Truth in Lending Act (HOEPA): Mortgage loan contains a late charge that exceeds the greater of 4% of the amount past due or grace period of less than 15 days.	The late charge on the subject loan is 5% which exceeds the max allowed for loans classified as HOEPA loans.			Reviewer Comment (2019-11-25): Lender provided documentation supporting bona fide discount points and pass-through expenses for title and and appraisal fees. This issue is cleared. Reviewer Comment (2019-11-21): This is a waterfall exception. It will be cleared only after all underlying issues are cleared. This issue remains open. Seller Comment (2019-11-18): see attached
1450000300	11/14/2019	1	Federal HOEPA Points and Fees	Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 5.00000% of the Federal Total Loan Amount. Points and Fees of $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). Non-Compliant High Cost Loan.	XXX			Reviewer Comment (2019-11-25): Lender provided documentation supporting bona fide discount points and pass-through expenses for title and and appraisal fees. This issue is cleared. Seller Comment (2019-11-21): see attached Reviewer Comment (2019-11-21): Lender provided data for the undiscounted rate and exclusion of $700 of the discount points, notice that only a portion of the the appraisal fee was paid to the affiliate and notice that XXX does not make High Cost loans. Review also excluded the $700 in discount points and only counted the amount to the AMC in our calculations.. The issue is the lenders title insurance for $450.00 This amount was paid to an affiliate. Review is including this in our calculations and lender is not. File requires the final settlement statement and it must identify the item charges and all pass through amounts paid to 3rd party providers for further evaluation. This issue remains open. Seller Comment (2019-11-18): see attached
1450000300	11/14/2019	1	Federal HOEPA Pre-Loan Counseling Status	Truth in Lending Act (HOEPA): Borrower did not receive pre-loan counseling.	Borrower did not receive pre-loan counseling.			Reviewer Comment (2019-11-25): Lender provided documentation supporting bona fide discount points and pass-through expenses for title and and appraisal fees. This issue is cleared. Seller Comment (2019-11-21): see attached Reviewer Comment (2019-11-21): This is a waterfall exception. It will be cleared only after all underlying issues are cleared. This issue remains open. Seller Comment (2019-11-18): see attached
1450000300	11/14/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.			Reviewer Comment (2019-11-14): Client acknowledges the condition Buyer Comment (2019-11-12): Acknowledged
1450000300	11/14/2019	1	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of the greater of .00000% of the Federal Total Loan Amount and $XXX (2018). Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX and $XXX (2018) (an overage of $XXX or XXX%).	Qualified Mortgage (Dodd Frank 2014): Points and Fees exceed the maximum allowed for a QM loan.			Reviewer Comment (2019-11-25): Lender provided documentation supporting bona fide discount points and pass-through expenses for title and and appraisal fees. This issue is cleared. Seller Comment (2019-11-21): see attached Reviewer Comment (2019-11-21): Lender provided data for the undiscounted rate and exclusion of $700 of the discount points, notice that only a portion of the the appraisal fee was paid to the affiliate and notice that XXX does not make High Cost loans. Review also excluded the $700 in discount points and only counted the amount to the AMC in our calculations.. The issue is the lenders title insurance for $450.00 This amount was paid to an affiliate. Review is including this in our calculations and lender is not. File requires the final settlement statement and it must identify the item charges and all pass through amounts paid to 3rd party providers for further evaluation. This issue remains open. Seller Comment (2019-11-18): see attached
1450000300	11/14/2019	1	TRID Final Closing Disclosure Prepaid Other 1 Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 10/XX/2018 did not disclose number of months for One time SA Special Assessment under Prepaids.	Months not noted on the CD		10/XX/2019
1450000300	11/14/2019	3	Social Security Documentation	Qualified Mortgage (Dodd-Frank 2014): Social Security income documentation insufficient.				Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000299	11/13/2019	3	Missing Document: Fraud Report not provided		Fraud Missing			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - XXX uses XXX as one of their primary resources for fraud prevention. The XXX/Fraud Reports are not something they able to provide, as these are not papered in their loan files. In short, their origination software has a data link connection to XXX and everything is paperless.
1450000299	11/13/2019	3	Missing Document: AUS not provided		Loan was approved LP. Loan file is missing LP			Reviewer Comment (2019-11-21): Client elected to waive the condition Buyer Comment (2019-11-20): Waived - Loan priced as not being agency eligible. Reviewer Comment (2019-11-20): Lender provided a copy of the post-close DU case #XXX Approve/Eligible. The 1008 shows this loan was approved using an LP AUS Key #XXX Streamline Accept. Provide the pre-close LP, AUS Key #XXX Streamline Accept, for review. This issue remains open. Seller Comment (2019-11-15): Please see attached
1450000299	11/13/2019	3	Guideline Issue: Refinance seasoning requirements not met		Borrower had not been on title the required amount of time.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue is related to the known defect.
1450000299	11/13/2019	3	Income Docs Missing:	- ___	Missing VOE for self employed Borrower.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000299	11/13/2019	3	REO Documents are missing.	- ___	The loan file did not contain verification of the insurance premium for the XXX property.			Reviewer Comment (2019-11-13): Client elected to waive the condition Buyer Comment (2019-11-12): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000299	11/13/2019	2	Due diligence results confirm loan defect provided		Defect confirmed: This loan closed as an LPA cash out without the client being personally vested on title for at least six months. Before the loan closed, we identified that the client's business was vested on title, which made the loan ineligible on LPA. An incorrect solution to deed the client onto the business was given, and the loan closed on LPA.			Reviewer Comment (2019-11-13): Client acknowledges the condition Buyer Comment (2019-11-12): Acknowledged
1450000298	11/14/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Borrower refinanced property that consists of two units and the borrower receives rental income on those two units. PITI divided by monthly net sufficient income exceeds 100%.			Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged
1450000298	11/14/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		MI cert or evidence of MI was not found in the loan file.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Loan bid as uninsured FHA.
1450000298	11/14/2019	2	There is no dollar amount noted on the title policy.		The policy amount was not reflected on the preliminary title.			Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged
1450000298	11/14/2019	3	FHA Informed Choice Disclosure is missing.	-	The disclosure was not evidenced in the loan file.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Loan is uninsured FHA.
1450000298	11/14/2019	3	Rental Income Documentation - Schedule E Method Test	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000298	11/14/2019	3	Rental Income Documentation - Schedule E Method Test	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000298	11/14/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000298	11/14/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000298	11/14/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible and due to missing documentation and DTI it does not meet QM guides.			Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged
1450000298	11/14/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000298	11/14/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	Itemization of the lender credit was not evidenced in the loan file.			Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged
1450000298	11/14/2019	1	TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans	TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 04/XX/2019 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).	The contact for the lender was not evidenced on the final CD.		4/XX/2020
1450000298	11/14/2019	2	TRID Final Closing Disclosure Non Escrowed Property Costs Year 1	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $8,180.52 on Final Closing Disclosure provided on 04/XX/2019 not accurate.	All the subject property expenses were escrowed. Therefore, the non-escrowed property costs amount should have been equal to zero.		4/XX/2020	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000298	11/14/2019	1	TRID Revised Loan Estimate Received Date > Closing Disclosure Received Date	TILA-RESPA Integrated Disclosure: Revised Loan Estimate 03/XX/2019 received on or after the date the Closing Disclosure 3/XX/2019 12:00:00 AM was received.			4/XX/2020	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000298	11/14/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $750.00 exceeds tolerance of $650.00. Insufficient or no cure was provided to the borrower.	The final CD did reflect sufficient cure of $100 to cover this violation.		4/XX/2020	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000298	11/14/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 04/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	No valid change of circumstance or cure was evidenced in the loan file.		4/XX/2020
1450000298	11/14/2019	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2019 not received by borrower at least four (4) business days prior to closing.	The date the revised LE was received by the borrower was not evidenced in the loan file.		4/XX/2020	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000298	11/14/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,485.00 exceeds tolerance of $1,315.00 plus 10% or $1,446.50. Insufficient or no cure was provided to the borrower.	No valid change of circumstance or cure was evidenced in the loan file.		4/XX/2020	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000297	11/14/2019	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	List of Homeownership Counseling Organizations not provided within 3 business days of application			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-14): Waived - 2
1450000297	11/14/2019	1	TRID Final Closing Disclosure Lender Contact Information - Wholesale Loans	TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on 01/XX/2017 did not disclose the required Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name).	Contact Information: Final Closing Disclosure provided on 01/XX/2017 did not disclose the required Lender Contact Information		1/XX/2018
1450000297	11/14/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final CD reflects $91.80		1/XX/2018
1450000297	11/14/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.		1/XX/2018	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-14): Waived - 1
1450000297	11/14/2019	1	TRID Service Provider - Compliant	TILA-RESPA Integrated Disclosure: Settlement Service Provider List did not provide at least one available provider for each settlement service borrower is entitled to shop for or inform borrower they may choose different provider from list.	Settlement Service Provider List is not dated		1/XX/2018	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-14): Waived - 1
1450000297	11/14/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,044.43 exceeds tolerance of $2,502.00 plus 10% or $2,752.20. Insufficient or no cure was provided to the borrower.	Total amount of $4,044.43 exceeds tolerance of $2,502.00 plus 10% or $3,919.43. Insufficient or no cure was provided to the borrower.		1/XX/2018	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-14): Waived - 2
1450000297	11/14/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $895.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $895.00 exceeds tolerance of $0.00		1/XX/2018	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-14): Waived - 2
1450000297	11/14/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower.	Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $675.00 exceeds tolerance of $600.00. Insufficient or no cure was provided to the borrower.		1/XX/2018	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-14): Waived - 2
1450000297	11/14/2019	1	TRID Final Closing Disclosure With Seller - Cash To Close	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 01/XX/2017 disclosed a Final Cash to Close that did not match the actual sum of Final cash to close figures.	Final CD reflects XXX		1/XX/2018
1450000296	11/14/2019	3	Short cash to close:	Verified assets of ___ is short the required cash to close of ___	Gift funds not documented properly. Borrower is not eligible for manual underwrite - not enough reserves.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
1450000296	11/14/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		Gift funds not documented properly. Borrower is not eligible for manual underwrite - not enough reserves.			Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
1450000296	11/14/2019	2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided: Gift funds not documented properly. Borrower is not eligible for manual underwrite - not enough reserves. ***LOE explains borrower was unaware that a gift from her employer would not qualify as gift funds.			Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged - S&D FHA UNINSURED REASON CONFIRMED.
1450000296	11/14/2019	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	The appraisal was made "Subject To" and a copy of the 442 is not in the file.			Reviewer Comment (2019-11-20): Lender provided the 442 inspection completed prior to closing. This issue is cleared. Seller Comment (2019-11-14): 442
1450000296	11/14/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
1450000296	11/14/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	Originator Loan Designation of HUD Safe Harbor QM reflected on Mavent report.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
1450000296	11/14/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2017 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Escrow Account section (pg 4) "Initial Escrow Payment" ($343.32) does not match the Section G subtotal (pg 2).		10/XX/2018	Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged - NO ASSIGNEE LIABILITY.
1450000296	11/14/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final Closing Disclosure provided on 10/XX/2017 did not disclosed an amount by which the Total Closing Costs exceeded the legal limit.		10/XX/2018
1450000296	11/14/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $55.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		10/XX/2018	Reviewer Comment (2019-11-14): Client Acknowledges the condition Buyer Comment (2019-11-13): Acknowledged - NO ASSIGNEE LIABILITY. SELLER NOTIFIED.
1450000296	11/14/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Gift funds not documented properly. Borrower is not eligible for manual underwrite - not enough reserves. LOE explains borrower was unaware that a gift from her employer would not qualify as gift funds.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED REASON, ALSO PRICED AS NON ATR / NON QM.
1450000295	11/14/2019	3	Missing Document: Approval not provided					Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000295	11/14/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured					Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000295	11/14/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed. - Gift funds entered incorrectly. When entered correctly AUS becomes refer. Cannot be manually underwritten. ... The LP provided in file is a Refer and requires the loan to be manually underwritten. Evidence of the Gift Funds being entered incorrectly was not provided.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED REASON CONFIRMED.
1450000295	11/14/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000295	11/14/2019	1	Public Record Issue:	-				Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000295	11/14/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Verification appraisal was delivered to borrower was not provided.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - NO ASSIGNEE LIABILITY.
1450000295	11/14/2019	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Verification appraisal was delivered to borrower was not provided.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - NO ASSIGNEE LIABILITY.
1450000295	11/14/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000295	11/14/2019	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 06/XX/2016 did not disclose number of months for homeowner's insurance under Prepaids.	The number of months of prepaid homeowner's insurance disclosed in section F of the final CD was blank. Provide a post-close CD correcting the number of months and a copy of the letter of explanation sent to the borrower disclosing the changes made.		6/XX/2017
1450000295	11/14/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt within 3 days of originator application date.		6/XX/2017	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000295	11/14/2019	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	The file is missing a copy of Seller's Closing Disclosure.		6/XX/2017	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - SELLER TEST OUT OF SCOPE.
1450000295	11/14/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Due to the stated defect, the loan is not eligible to be insured or guaranteed by FHA.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000294	11/14/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $3,685.15 and disclosure timing violations.	Esign not located.		7/XX/2017	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - AMC DD EV 1
1450000294	11/14/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 07/XX/2016 disclosed a Closing Date that did not match the actual date of consummation.	CD dated 7/XX/16 and executed 7/XX/16.		7/XX/2017
1450000294	11/14/2019	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 07/XX/2016 disclosed the Initial Escrow Payment that does not match the escrow payment disclosed on page 2.	Due to seller paid insurance amount..		7/XX/2017	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - NO ASSIGNEE LIABILITY.
1450000294	11/14/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2016 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing cost exceeded the legal limit taken from final CD.		7/XX/2017
1450000294	11/14/2019	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	Toolkit not provided.		7/XX/2017	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - NO ASSIGNEE LIABILITY.
1450000294	11/14/2019	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	Seller CD not located.		7/XX/2017	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - SELLER TEST OUT OF SCOPE
1450000294	11/14/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $324.02 exceeds tolerance of $216.00. Insufficient or no cure was provided to the borrower.	No valid COC.		7/XX/2017	Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-14): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM. NO ASSIGNEE LIABILITY.
1450000294	11/14/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed -Manually underwritten without supporting documentation - VOR & Reserves. Family Housing Resources / XXX HOME Consortium Down Payment Assistance not located.			Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - AMC DD EV 2 - S&D REASON CONFIRMED.
1450000294	11/14/2019	3	FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.	Borrower's total contribution is ___ (___).				Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000294	11/14/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM. S&D REASON.
1450000294	11/14/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000294	11/14/2019	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-				Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000294	11/14/2019	3	Real Estate Certification is missing.	-				Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000294	11/14/2019	2	FHA - Lead Based Paint Attachment was provided at or after closing.	- Provided Date: ___; Consummation Date: ___				Reviewer Comment (2019-11-14): Client elected to waive the condition Buyer Comment (2019-11-13): Waived - S&D FHA UNINSURED, ALSO PRICED AS NON ATR / NON QM.
1450000293	11/20/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured					Reviewer Comment (2019-11-20): Client elected to waive the condition Buyer Comment (2019-11-18): Waived - 1
1450000293	11/20/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-11-20): Client elected to waive the condition Buyer Comment (2019-11-18): Waived - uninsured
1450000293	11/20/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Borrower was on furlough with current employer with documentation stating he would return shortly after closing. He did not return to that company, he currently working for a different company now. With income from the new employer, he does not qualify for current loan. DTI is around 143% with current debts and current income. *Not Insured* ... Post-Close paystubs reflect an hourly rate of $10.20 for 40 hours/week plus overtime resulting in a monthly base pay wage of $1,768 compared to the base wage $6781.19 used to qualify.			Reviewer Comment (2019-11-20): Client acknowledges the condition Buyer Comment (2019-11-18): Acknowledged
1450000293	11/20/2019	3	Overtime Bonus Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income.	The Lender used less than 2 years of overtime income verification for qualify. No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-11-20): Client elected to waive the condition Buyer Comment (2019-11-18): Waived - priced as atr fail
1450000293	11/20/2019	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2019-11-20): Client elected to waive the condition Buyer Comment (2019-11-18): Waived - priced as atr fail
1450000293	11/20/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-11-20): Client elected to waive the condition Buyer Comment (2019-11-18): Waived - priced as atr fail
1450000293	11/20/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM.			Reviewer Comment (2019-11-20): Client elected to waive the condition Buyer Comment (2019-11-18): Waived - accept dil desig
1450000293	11/20/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-11-20): Client elects to waive the condition Buyer Comment (2019-11-18): Waived - 1
1450000293	11/20/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.			6/XX/2020
1450000293	11/20/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-11-20): Client elected to waive the condition Buyer Comment (2019-11-18): Waived - priced as atr fail
1450000292	11/22/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Insufficient income; Investor guidelines require YTD P&L when fiscal year end is more than 4 months prior to close. YTD P&L shows declining income. ... YTD P&L and wage income results in a total income of $18,433.11 compared to the lender's total qualifying income of $20,849.00.			Reviewer Comment (2019-11-22): Client acknowledges exception. Buyer Comment (2019-11-20): Acknowledged
1450000292	11/22/2019	2	There is no dollar amount noted on the title policy.		The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.			Reviewer Comment (2019-11-22): Client waives exception. Buyer Comment (2019-11-22): Waived - Seller provided TPOL with amount of insurance coverage to clear a differ exception.
1450000292	11/22/2019	3	Aged document: Asset Account date is more than 90 days prior to the note.	- Asset Account Date: ___	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-11-22): Client waives exception. Buyer Comment (2019-11-20): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000292	11/22/2019	1	QM Employment History - Current Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment.	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing documentation to verify the start and end dates for the borrower's self-employment to verify a 2 year employment history.			Reviewer Comment (2019-11-22): Client waives exception. Buyer Comment (2019-11-20): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000292	11/22/2019	2	TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 8,928.81 on Final Closing Disclosure provided on 07/XX/2019 not accurate.	The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $8,928.81 on page 4; however the annual taxes ($7,561.56) and homeowners insurance ($2,178.00) total are $9,739.56 per year. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.		7/XX/2020	Reviewer Comment (2019-11-20): Client has elected to waive exception. Buyer Comment (2019-11-20): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000292	11/22/2019	1	TRID Final Closing Disclosure Without Seller - Closing Costs Financed	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2019 disclosed Closing Costs Financed that does not match actual amount of closing costs financed.	The Closing Costs Financed Paid from your Loan Amount in the Calculating Cash to Close section of the final CD disclosed incorrect amount. Provide a post-close CD disclosing the Closing Costs Financed and a copy of the letter of explanation sent to the borrower disclosing the changes made.		7/XX/2020
1450000291	11/25/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape of "Fannie Mae came back to us for repurchase due to the appraised value being inflated in our appraisal with the lack of supporting comps in close proximity to the subject and like property characteristics. Fannie feels the appraiser should have used other available comps to determine value.. An AVM may be needed," has not been confirmed. The Appraisal noted 3 multi unit comparables sold within the last 12 months and 2 that were currently listed all within a 3 miles radius. Though the subject was about 20 years younger than 4 of the 5 comparables, adjustments to the subject were made as the three sold comparables had significantly more square footage. All were similar in condition. The two listed comparables were more than 20 years older than the subject property and contained more than $1,000 square feet less than the subject property. The current listing prices were within $5,000 of the appraisers value of $XXX. The appraiser provided additional comparables upon lenders request and heavily noted each adjustment to the subject and all comparables.			Reviewer Comment (2019-11-25): Client acknowledges exception. Buyer Comment (2019-11-20): Acknowledged
1450000291	11/25/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	A higher DTI was noted during audit due to a variance in rental income calculations. The DU reflected monthly subject rental income of $138.81 and monthly other net rental income of $836.19. This "Other" rental income is unverified. The 2015 Schedule 'E" lists each unit (XXX & XXX) separately while the 2014 Schedule 'E" has them combined with lower income. the final 1003 shows a monthly loss of $795.00 for the investment property in the schedule of REO but a positive $975.00 in section V. Monthly Income. This audit showed a positive $183.97 based on schedule "E" calculations.			Reviewer Comment (2019-11-25): Client waives exception. Buyer Comment (2019-11-20): Waived - irrelevant on seasoned loan
1450000290	11/15/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Erroneous Reg ID 4748. This fee split between the borrower and seller, and is customarily partially paid by Seller in the state of PA.		6/XX/2020
1450000290	11/15/2019	1	TRID Seller Closing Disclosure	TILA-RESPA Integrated Disclosure: Seller Closing Disclosure not located in the file.	the file is missing a copy of the Seller CD.		6/XX/2020	Reviewer Comment (2019-11-25): Client elects to waive the condition Buyer Comment (2019-11-21): Waived - waive - amc dd level 1
1450000290	11/15/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	The file is missing verification of the Earnest Money Deposit in the amount of $19,000.00.			Reviewer Comment (2019-11-27): Client waives exception. Buyer Comment (2019-11-21): Waived - priced as atr qm
1450000290	11/15/2019	2	Due Diligence results do not confirm loan defect provided		Due Diligence results do not confirm loan defect provided - Max DTI of 50% was exceeded as borrower opened two new accounts prior to closing which results in a DTI of 54.2 per investor credit pull. The new debts are auto loans; the borrower co-signed one loan for a family member. The other loan is paid by an individual who is not on on the XXX, but since the loan is new,12 months of payments cannot be documented so it has to be included in the ratios. There is no evidence in the file to support the additional new debt.			Reviewer Comment (2019-11-27): Client acknowledges exception. Buyer Comment (2019-11-21): Acknowledged
1450000290	11/15/2019	2	ECOA Receipt of Preliminary Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	There is no evidence that the Creditor provided a copy of the valuation to the applicant three (3) business days prior to consummation.			Reviewer Comment (2019-11-27): Client waives exception. Buyer Comment (2019-11-21): Waived - amc dd level 2
1450000289		2	RESPA HUD Settlement Booklet Status
1450000289		2	RESPA Servicing Disclosure Timing
1450000288		2	Initial TIL not provided				2/XX/2010
1450000288		2	Initial GFE not disclosed to the borrower within 3 days.
1450000288		2	Federal FACTA Disclosure
1450000261	11/20/2019	1	TRID Final Closing Disclosure Without Seller Change - Total Payoffs	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 07/XX/2019 incorrectly disclosed whether there was a change in the Total Payoffs and Payments.	The CD indicated a "yes" under "Did this change" column but the amount is a $0.40 difference which is not considered a change.		7/XX/2020
1450000261	11/20/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Defect 1: Insufficient assets - reserves; Borrower does not meet the 6 months reserve requirement. $1,020.94 was confirmed in assets. Spouse's funds were used as a gift but were not transferred to the borrower. For DU loan casefiles, if the DTI ratio exceeds 45%, six months reserves is required			Reviewer Comment (2019-12-02): Client elects to waive. Buyer Comment (2019-11-26): Waived - AMC DD EV 2 - S&D REASON CONFIRMED
1450000261	11/20/2019	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Hazard Insurance Coverage Amount is insufficient by $XXX. There was no extended coverage or Lender Replacement Cost Estimator in the file.			Reviewer Comment (2019-12-13): Lender provided replacement cost estimate that supports the dwelling coverage. Seller Comment (2019-12-12): Hazard Insurance coverage and dec page. In regards to homeowner's insurance in Texas, per Texas state law, insurance companies are not allowed to insured for the loan amount so USAA, provides a Replacement Cost letter. Their letter states: they're "insuring the property up to the estimated minimum rebuilding cost as allowed by Texas insurance Code. Also, the borrowers have an "Additional 25% of dwelling or other structures coverage". The Hazard Insurance Dec page in the file, shows the policy has "Replacement Cost Coverage". This meets the lending requirements. Reviewer Comment (2019-12-02): Other structures is not included in the amount counted towards sufficient coverage. Only using the dwelling amount of $319,000. Lender to provide proof of additional coverage or a replacement cost estimate that supports the dwelling coverage provided. Exception remains. Seller Comment (2019-11-29): The Hazard Insurance Coverage for the improvements is $XXX, plus other structure, $XXX for a total of $XXX. This is over the loan amount of $XXX.
1450000260	12/3/2019	2	Ohio CSPA Borrower Ability to Repay Testing	Ohio Consumer Sales Practices Act: File does not contain evidence that analysis of borrower's ability to repay was performed based on verified income, obligations, assets, and/or employment.	Provide 1008 transmittal summary and or ATR worksheet used for qualification.			Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-11-27): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000260	12/3/2019	3	Appraiser's license or certification was not active at the time of the appraisal.	-				Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-11-27): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000260	12/3/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed via appraisal-Inadequate heat source, heat lamp in bathroom no heat in kitchen, 660 squ ft home.			Reviewer Comment (2019-12-03): Client acknowledges exception. Buyer Comment (2019-11-27): Acknowledged
1450000260	12/3/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Funding Fee. Fee Amount of $425.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing.		9/XX/2019	Reviewer Comment (2019-12-02): Client elected to waive exception. Buyer Comment (2019-11-27): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000260	12/3/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Funding fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure for the fee of $425.00.		9/XX/2019
1450000259	12/4/2019	1	Missing Document: Fraud Report not provided		The fraud report was not evidenced in the loan file.			Reviewer Comment (2019-12-04): Lender provided a copy of the fraud report. Seller Comment (2019-12-03): fraud guard
1450000259	12/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: The loan closed using a paystub that did not meet Agency guidelines (does not include employer's business name). Post-closing, a WVOE was attempted but the borrower has left that job and is now self-employed with no history of self-employed income to use for qualifying. ***The paystub under D0021 does not reflect the employer name and contact information.			Reviewer Comment (2019-12-04): Client acknowledges exception. Buyer Comment (2019-12-03): Acknowledged
1450000258	12/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - The loan closed qualifying with income from a self-employed business that was calculated incorrectly. A small positive SE income is negated by negative rental income. No usable income for qualifying. **Per the 2017 1120S Tax Return, the ordinary business income is reflected as (-)$21,553 resulting in a negative per month income of (-)$1,796.08. The Rental income from the 5 investment properties, including the subject do not generate positive income, therefore there is no usable income available to document for the borrower.			Reviewer Comment (2019-12-04): Client acknowledges exception. Buyer Comment (2019-12-03): Acknowledged
1450000258	12/4/2019	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Hazard insurance coverage short $XXX			Reviewer Comment (2019-12-04): Lender provided replacement cost estimate that supports the dwelling coverage listed. Buyer Comment (2019-12-03): Page 339 of package sent over has the estimated cost to rebuild new that was used to determine insurance coverage.
1450000258	12/4/2019	1	REO Documents are missing.	-				Reviewer Comment (2019-12-06): Lender provided mortgage statement showing impounds for tax and insurance. This issue is cleared. Seller Comment (2019-12-05): mortgage statements showing escrows for both properties
1450000257	12/3/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed : Uninsured FHA Property Flip (86 days). ****FHA guidelines require a seller maintain possession of a property for 90 days in order to be insured by FHA. FHA guidelines defines the seller's date of acquisition as the date the seller acquired legal ownership of that Property and defines the resale date as the date of execution of the sales contract by all parties intending to finance. The title commitment, validated by the appraisers research reflect the date of acquisition as 01/XX/2019. The sales contract was executed by the buyer on 04/XX/2019 which was 86 days. The flipping requirements of 90 days fell 4 days short and did not meet the time restriction exceptions.			Reviewer Comment (2019-12-03): Client acknowledges exception. Buyer Comment (2019-12-03): Acknowledged
1450000257	12/3/2019	3	FHA Minimum Required Investment was not met. Borrower's MRI is below minimum required.	Borrower's total contribution is ___ (___).	The borrower fell short funds for FHA requirement by $161.11			Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-12-03): Waived - Loan isn't FHA insured so issue doesn't impact XXX's ability to purchase this loan.
1450000257	12/3/2019	2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		The hazard policy listed only the second lien holder as the successor.			Reviewer Comment (2019-12-12): Client waives exception. Buyer Comment (2019-12-11): Waived - Doesn't impact XXX's ability to purchase the loan. Reviewer Comment (2019-12-05): Declarations page reflects 1st mortgagee as XXX ISAOA and should reflect XXX ISAOA. Lender needs to provide corrected declarations page with updated mortgagee clause. Exception remains. Buyer Comment (2019-12-05): Can you please provide more information. Im not sure what the issue is.
1450000257	12/3/2019	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		The loan was determined post close to not be eligible for FHA insurance as the property flipping guidelines (90 day rule and did not meet time restriction exception requirements).			Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-12-03): Waived - Issue is related to the known defect.
1450000257	12/3/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	The Informed Choice Disclosure located in file was signed the day of closing.			Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-12-03): Waived - Loan isn't FHA insured so issue doesn't impact XXX's ability to purchase this loan.
1450000257	12/3/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	The loan was determined not to be eligible for FHA insurance due to not meeting the property flipping guidelines or its time restriction exceptions.			Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-12-03): Waived - Issue is related to the known defect.
1450000257	12/3/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan designation selected from Mavent Report in file.			Reviewer Comment (2019-12-03): Client acknowledges exception. Buyer Comment (2019-12-03): Acknowledged
1450000257	12/3/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-12-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000257	12/3/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).	The loan file did not contain an itemization for the seller/lender credit.			Reviewer Comment (2019-12-03): Client acknowledges exception. Buyer Comment (2019-12-03): Acknowledged
1450000257	12/3/2019	2	TRID Final Closing Disclosure Total Amount for Recording Fees	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 05/XX/2019 disclosed the total amount for all recording fees on a line other than the first line.	The Seller Cd provided additional recording fees that were not provided on the Final CD.		5/XX/2020	Reviewer Comment (2019-12-03): Client waives exception. Buyer Comment (2019-12-03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000257	12/3/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	The Final CD did not provide a dollar amount by which total closing costs were exceeded.		5/XX/2020
1450000256	12/4/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-12-04): Client acknowledges the condition Buyer Comment (2019-12-03): Acknowledged
1450000256	12/4/2019	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000256	12/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed via appraisal -Uninsured - FHA Refinance Flip			Reviewer Comment (2019-12-04): Client acknowledges the condition Buyer Comment (2019-12-03): Acknowledged
1450000256	12/4/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Originator Loan Designation of HUD Safe Harbor QM.			Reviewer Comment (2019-12-04): Client acknowledges the condition Buyer Comment (2019-12-03): Acknowledged
1450000255	12/4/2019	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.				Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000255	12/4/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed via appraisal - XXX - FHA Flip; uninsured. **** The subject property was last sold on 4/XX/2018 for $XXX. The appraisal in the file dated 7/XX/2018, reflects the recent sale of the subject again on 6/XX/2018.			Reviewer Comment (2019-12-04): Client acknowledges the condition Buyer Comment (2019-12-03): Acknowledged
1450000255	12/4/2019	3	Missing Document: General Services Administration (GSA) not provided		Missing (GSA) General Services Administration.			Reviewer Comment (2019-12-05): Client waives exception. Buyer Comment (2019-12-05): Can this be waived?
1450000255	12/4/2019	3	Missing Document: Limited Denials of Participation (LDP) not provided		Missing (LDP) Limited Denial of Participation.			Reviewer Comment (2019-12-05): Client waives exception. Buyer Comment (2019-12-05): can this be waived?
1450000255	12/4/2019	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Missing Mortgage Insurance Certificate and Mortgage Insurance Evidence.			Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - Loan purchased as uninsured FHA.
1450000255	12/4/2019	3	FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.	-	Missing FHA - Conditional Commitment DE Statement of Appraised Value.			Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000255	12/4/2019	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	FHA - Informed Choice Disclosure was not provided within 3 days of application.			Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000255	12/4/2019	2	FHA - Lead Based Paint Attachment was provided at or after closing.	- Provided Date: ___; Consummation Date: ___				Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000254	12/5/2019	3	Missing Document: Fraud Report not provided		Missing fraud report.			Reviewer Comment (2019-12-05): Client waives exception. Buyer Comment (2019-12-05): can this be waived?
1450000254	12/5/2019	3	Questionable Occupancy: Valuation occupancy differs from occupancy on loan approval.	-	The appraisal report dated 10/XX/2018 reflects the property was vacant at the time of inspection and the loan was originated as a primary residence.			Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000254	12/5/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed. - Bid Tape - AUS gave an PIW due to low LTV however TX A6 (cash out) loans are not eligible for PIW. Appraisal was completed after closing to validate the value used. Loan is ineligible for delivery to Agency due to the appraisal date being after the closing date. ... Appraisal in file completed after closing.			Reviewer Comment (2019-12-04): Client acknowledges the condition Buyer Comment (2019-12-03): Acknowledged
1450000254	12/5/2019	3	Texas Cash-out Appraisal Not Used for CLTV Calculation Test	Texas Constitution Section 50(a)(6): The lender/Assignee cannot conclusively rely on the Value on Acknowledgement of Fair Market Value. Test performed using stated value or other valuation method in file other than appraisal.	The appraisal was completed after closing.			Reviewer Comment (2019-12-04): Client elected to waive the condition Buyer Comment (2019-12-03): Waived - 56.80% LTV using post closing appraisal is evidence that LTV at closing was <80%.
1450000254	12/5/2019	1	Texas Cash-out Spousal Written Consent	Texas Constitution Section 50(a)(6): Lien was created without consent of all owners and owner's spouse(s).	Spousal Written Consent not provided in file.			Reviewer Comment (2019-12-23): After further review, all owners and owner's spouses signed the Security Instrument giving consent to the new lien, exception has been cleared. Seller Comment (2019-12-05): Borrower was separated and is the only one occupying the property.
1450000253	12/7/2019	1	Missing Document: Fraud Report not provided		The loan file is missing the Fraud Report.			Reviewer Comment (2019-12-07): Lender provided a copy of a fraud report with all flags cleared. This issue is cleared. Seller Comment (2019-12-06): fraud report
1450000253	12/7/2019	3	The Hazard Insurance Policy effective date is after the Transaction Date.	Hazard Insurance Policy Effective Date ___, Transaction Date: ___	The Hazard Policy noted the effective date as 08/XX/2019 and the CD Signature/Security Instrument notary date was noted as 08/XX/2019.			Reviewer Comment (2019-12-07): Client elected to waive the condition Buyer Comment (2019-12-06): Waived - no longer relevant Seller Comment (2019-12-06): The loan funded on 8/XX which is when the policy needs to be effective.
1450000253	12/7/2019	1	REO Documents are missing.	-	The loan file is missing evidence of insurance costs for second home.			Reviewer Comment (2019-12-07): Lender provided documentation evidencing hazard insurance and cost. This issue is cleared. Seller Comment (2019-12-06): evidence of insurance for retained residence
1450000253	12/7/2019	1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2019 disclosed a Closing Date that did not match the actual date of consummation.	The CD was provided on 08/XX/2019 and the CD Signature/Security Instrument Notary Date was 08/XX/2017. The closing date was corrected to 08/XX/2019 on the post closing CD issued 09/XX/2019.		8/XX/2020
1450000253	12/7/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Final Closing Disclosure provided on 08/XX/2019 disclosed a value of $70.00 by which the Total Closing Costs exceeded the legal limit. The other tolerance issues where erroneous due to the Seller paying some or all of the fees in question.		8/XX/2020
1450000253	12/7/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: 11/XX/2019 Loan Canceled with XXX XXX, will review for remarket- doesn't look like it will qualify . Will know more Friday 11/XX/19. Income Calc Issue. *** The loan was manually approved with Capital Gain Income. The borrower provided three years of Capital Gain, Royalty and Schedule E income as well as sufficient assets to support approval.			Reviewer Comment (2019-12-07): Client acknowledges the condition Buyer Comment (2019-12-06): Acknowledged Buyer Comment (2019-12-06): Is this for XXX to clear or for XXX?
1450000253	12/7/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-12-07): Client elected to waive the condition Buyer Comment (2019-12-06): Waived - accept dil desig
1450000253	12/7/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-12-07): Client elected to waive the condition Buyer Comment (2019-12-06): Waived - priced as atr fail
1450000252	12/10/2019	3	Income Docs Missing:	- ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing P&L's and balance sheets.			Reviewer Comment (2019-12-10): Client waives exception. Buyer Comment (2019-12-10): Waived - Seller does not have docs. S&D, priced as Non ATR / Non QM.
1450000252	12/10/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Loan is no longer agency eligible - please advise which guidelines are applicable. File was missing P&L's and balance sheets.			Reviewer Comment (2019-12-10): Client waives exception. Buyer Comment (2019-12-10): Waived - Seller does not have docs. S&D, priced as Non ATR / Non QM.
1450000252	12/10/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Miscalculation of income that resulted in negative $5,800 in monthly income. Borrower owns 3 investment properties and has $277,725 in retirement account," has been confirmed. Audit determined multiple issues noted with income calculations. The 2018 Schedule K-1 for the borrower's business XXX noted 4 properties; however the underwriter used one of the properties (XXX) operating under the business as REO income which decreased the monthly rental income by $208. The underwriter also used a salary of $2,500 paid bi-monthly; however the pay stub indicates the borrower is paid bi-weekly which increased the monthly income by $416.67. Additionally, the underwriter appears to have used a 2 year average for the farming Schedule F-Rice income; however, the 2017 and 2018 Schedule F indicated decreasing income and no YTD earnings were located in the loan file. As such, a one year average should have been used resulting in a decrease of income by $5,728.42 monthly. These miscalculations resulted in a lower monthly income by $5,519.75. It should be noted the borrower provided verification of additional Schedule F income from XXX and XXX totaling an additional $25,426.67 in monthly income that was not used in qualifying.			Reviewer Comment (2019-12-10): Client acknowledges exception. Buyer Comment (2019-12-09): Acknowledged - AMC DD EV 2 - S&D REASON CONFIRMED.
1450000252	12/10/2019	3	AUS Findings: All conditions were not met		The underwriter used wrong income calculations while assessing the rental and farming income. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2019-12-10): Client acknowledges exception. Buyer Comment (2019-12-09): Acknowledged - S&D REASON, ALSO PRICED AS NON ATR / NON QM.
1450000252	12/10/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Audit determined multiple issues noted with income calculations. The 2018 Schedule K-1 for the borrower's business XXX noted 4 properties; however the underwriter used one of the properties (XXX) operating under the business as REO income which decreased the monthly rental income by $208. The underwriter also used a salary of $2,500 paid bi-monthly; however the pay stub indicates the borrower is paid bi-weekly which increased the monthly income by $416.67. Additionally, the underwriter appears to have used a 2 year average for the farming Schedule F-XXX income; however, the 2017 and 2018 Schedule F indicated decreasing income and no YTD earnings were located in the loan file. As such, a one year average should have been used resulting in a decrease of income by $5,728.42 monthly. These miscalculations resulted in a lower monthly income by $5,519.75. It should be noted the borrower provided verification of additional Schedule F income from XXX and XXX totaling an additional $25,426.67 in monthly income that was not used in qualifying.			Reviewer Comment (2019-12-10): Client acknowledges exception. Buyer Comment (2019-12-09): Acknowledged - RELATED TO S&D REASON, ALSO PRICED AS NON ATR / NON QM.
1450000251	12/11/2019	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.				Reviewer Comment (2019-12-11): Client elected to waive the condition Buyer Comment (2019-12-09): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000251	12/11/2019	2	TRID Final Closing Disclosure Lender Credit	TILA-RESPA Integrated Disclosure - Costs at Closing: Final Closing Disclosure provided on 09/XX/2019 disclosed a Lender Credit less than the legal limit exceeded on the Calculating Cash to Close table.	J. Total Closing Costs (pg 2): Lender Credit ($0.00) is less than the "Exceeds legal limit by" ($200.00) field in the Calculating Cash to Close section (pg 3).		9/XX/2020	Reviewer Comment (2019-12-09): Client has elected to waive exception. Buyer Comment (2019-12-09): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000251	12/11/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 09/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing costs exceeded the legal limit taken from final CD.		9/XX/2020
1450000251	12/11/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Borrower has a second property that we did not consider in qualifying. The Final loan application reflects a P&I payment of $1,412.82 for the borrower's primary residence located @XXX. The loan file does not contain evidence this property was sold and the monthly P&I, taxes and insurance was not counted towards the total DTI.			Reviewer Comment (2019-12-11): Client acknowledges the condition Buyer Comment (2019-12-09): Acknowledged
1450000251	12/11/2019	3	Appraiser's license or certification was not active at the time of the appraisal.	-				Reviewer Comment (2019-12-11): Client elected to waive the condition Buyer Comment (2019-12-09): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000251	12/11/2019	3	REO Documents are missing.	- ___				Reviewer Comment (2019-12-11): Client elected to waive the condition Buyer Comment (2019-12-09): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000250	12/11/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Investment property, 2% max interest party contribution was exceeded. The seller paid fees totaled $XXX which exceeds the 2% allowed max of $XXX.			Reviewer Comment (2019-12-11): Client acknowledges the condition Buyer Comment (2019-12-09): Acknowledged
1450000249	12/17/2019	1	TRID Initial Loan Estimate Timing Electronically Provided	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 03/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.	The file was missing documentation verifying the borrower's consent to receive electronic documentation.		5/XX/2020	Reviewer Comment (2019-12-17): AMC reviewed exception. Upon further review exception may be cleared.
1450000249	12/17/2019	1	TRID Esign Consent Agreement Status	ESIGN Act - Missing esign consent. TRID disclosures provided electronically will not be used to set or rebaseline fees for tolerance purposes. Disclosures sent electronically may result in a fee tolerance violation of up to $5,353.35 and disclosure timing violations.	The file was missing documentation verifying the borrower's consent to receive electronic documentation.		5/XX/2020	Reviewer Comment (2019-12-12): Client waives exception. Buyer Comment (2019-12-11): Waived - AMC DD level 1
1450000249	12/17/2019	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing cost exceeded the legal limit taken from final CD.		5/XX/2020
1450000249	12/17/2019	1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee. Fee Amount of $3,811.40 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Extension Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		5/XX/2020	Reviewer Comment (2019-12-18): COC - Rate lock extensions initial rate locked expired 04/XX/2019 - rate lock extension Reviewer Comment (2019-12-18): The E-Sign Consent Agreement is missing from the loan file and the LE's were received electronically. Need E-Sign Consent Agreement to re-baseline the fees. Buyer Comment (2019-12-17): Since the LE dated on 04/XX/2019 shows the Rate is locked untl 05/XX/2019 are you wanting an explanation as to why they created the COC on 05/08 with a higher rate lock extension fee and still closed the loan on 05/XX/2019? Is this the problem? Buyer Comment (2019-12-17): What should the COC stated as the Change? Reviewer Comment (2019-12-17): AMC reviewed exception. The exception is due to the COC when the fee was disclosed on 04/29. The COC indicates "rate" as the COC. Please provide additional details on the changed circumstance for review. Seller Comment (2019-12-16): Please see attached COC dated change as of 05/XX/2019 but at the bottom of the page it shows printed on 05/XX/2019 and given to the borrower at the same time as the final CD dated on 05/XX/2019. see attached and please cleared. If not please advise in detail why this is not acceptable. Seller Comment (2019-12-12): Extension Fee disclosed on Loan Estimate attached
1450000249	12/17/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $515.00 exceeds tolerance of $450.00. Insufficient or no cure was provided to the borrower.	Fee disclosed was last disclosed as $450.00 on LE but disclosed as $515.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.		5/XX/2020	Reviewer Comment (2019-12-19): Client elects to waive the condition Buyer Comment (2019-12-18): Waived - issue doesn't have any Assignee Liability impact to XXX's ability to purchase loan Reviewer Comment (2019-12-18): The COC received just states the appraisal fee was higher. Need to know what occurred to justify the increase in the appraisal fee. Need to know why the appraisal went from $450 to $515 Buyer Comment (2019-12-17): AMC asks - "Please provide additional information if a changed circumstance occurred" I gave you the LE and Change of CIrcumstance dated 03/28 why are you not accepting it? Is there something else required? Can you call me? 720-219-6877 Reviewer Comment (2019-12-17): AMC reviewed exception. The fee initially disclosed as $450. The fee being higher is not a changed circumstance. Please provide additional information if a changed circumstance occurred or please provide a corrected CD, LOE, refund check, and proof of delivery to cure. Seller Comment (2019-12-16): As you can see on the attached LE and Notice of Change of Circumstances dated 03/XX/2019 the appraisal fee was disclosed at the higher amount of $515.00. The higher amount of $515 was also listed on the 04/XX/2019 LE attached. Please ask AMC why they did not accept. I pulled out the COC and attached the LE. We NEED these files to fund on Friday 12-20 Please rush review Reviewer Comment (2019-12-16): AMC reviewed exception and COC. The fee being higher is not a valid changed circumstance for the fee to increase. Please provide additional details regarding the changed circumstance or please provide a corrected CD, LOE, refund check, and proof of delivery to cure. Seller Comment (2019-12-12): Appraisal Fee disclosed on Loan Estimate attached
1450000249	12/17/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Salability issue. Closed w/o valid AUS approval. Must have 740 minimum score with FHLMC to do cash out at 85 LTV. Borrower score is 691. **The LP findings in the loan file reflects the loan in ineligible for purchase eligibility due to the LTV of 85%. The maximum LTV for a cash out refinance for a 1 unit property is 80% and the borrower's FICO score must be at least 740 however the FICO generated before closing was 691.			Reviewer Comment (2019-12-12): Client acknowledges exception. Buyer Comment (2019-12-11): Acknowledged
1450000248	12/13/2019	1	TRID Closing Disclosure Lump Sum Allocation	Lump sum lender/seller credit disclosed on Closing Disclosure applied to offset finance charges based on separate itemization of credit pursuant to client's election. If there is not an itemization of credit in file, lump sum credit applied using waterfall (non-finance charges first, then finance charges).				Reviewer Comment (2019-12-13): Client acknowledges the condition Buyer Comment (2019-12-12): Acknowledged - AMC DD EV 2
1450000248	12/13/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable. Designation taken from compliance report.			Reviewer Comment (2019-12-13): Client acknowledges the condition Buyer Comment (2019-12-12): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000248	12/13/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-12-13): Client acknowledges the condition Buyer Comment (2019-12-12): Acknowledged - S&D REASON, ALSO PRICED AS NON ATR / NON QM.
1450000248	12/13/2019	1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 10/XX/2018 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Total closing costs exceeded the legal limit taken from final CD.		10/XX/2019
1450000248	12/13/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	The loan file is missing the proof of gift funds. The loan file only contains 3 gift letters but no evidence of a transfer or deposit prior to or at closing.			Reviewer Comment (2019-12-13): Client acknowledges the condition Buyer Comment (2019-12-12): Acknowledged - LOAN CLOSED IN 2018. S&D REASON, ALSO PRICED AS NON ATR / NON QM.
1450000248	12/13/2019	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	The loan file is missing the proof of gift funds. The loan file only contains 3 gift letters but no evidence of a transfer or deposit prior to or at closing.			Reviewer Comment (2019-12-13): Client acknowledges the condition Buyer Comment (2019-12-12): Acknowledged - LOAN CLOSED IN 2018. S&D REASON, ALSO PRICED AS NON ATR / NON QM.
1450000248	12/13/2019	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Repurchase. Undisclosed debt in the amount of $568 per month for a new car which resulted in a DTI of 53.47%. Loan closed 10/XX/18 and the new debt was opened in October. **The loan file does not contain evidence of an auto loan acquired in October of 2018. The credit reports in the loan file are dated prior to closing therefore do not reflect any new consumer date as of 10/XX/2018 pr prior.			Reviewer Comment (2019-12-13): Client acknowledges the condition Buyer Comment (2019-12-12): Acknowledged - AMC DD EV 2 - S&D REASON CONFIRMED.
1450000247	12/19/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Income used for qualifying declined over the past two years and is scheduled to decrease going forward. Without the income in question, DTI increased to 56.992%," has been confirmed. The year ending pay-stubs provided for 2017 and 2018, while show an increase in salary wages, showed a decrease in Restricted Stock Unit income which appears to continue into 2019. It should be noted there was additional monthly bonus income of $1,4375.50 was not included in the qualification and the lease payment used in DTI only had one remaining payment left prior to close.			Reviewer Comment (2019-12-19): Client acknowledges exception. Buyer Comment (2019-12-17): Acknowledged
1450000247	12/19/2019	2	There is no dollar amount noted on the title policy.		The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.			Reviewer Comment (2019-12-19): Client waives exception. Buyer Comment (2019-12-17): Waived - Duplicate of suspension created by XXX.
1450000247	12/19/2019	3	Missing Document: AUS not provided		Missing AUS.			Reviewer Comment (2019-12-19): Client waives exception. Buyer Comment (2019-12-17): Waived - 1008 indicates that the loan was a manual underwrite.
1450000246	12/27/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) taken from Mavent report.			Reviewer Comment (2019-12-27): Client elected to waive the condition Buyer Comment (2019-12-20): Waived - accept dil desig
1450000246	12/27/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-12-27): Client elected to waive the condition Buyer Comment (2019-12-20): Waived - priced as atr fail
1450000246	12/27/2019	2	TRID Final Closing Disclosure Will Have Escrow - Monthly Escrow Payment	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 10/XX/2018 disclosed the Monthly Escrow Payment that does not match the actual escrow payment for the loan.	Final Closing Disclosure provided on 10/XX/2018 included the Mortgage Insurance of $119.74 in the monthly escrow payment on page 4 but not in section G.		10/XX/2019	Reviewer Comment (2019-12-23): Client elects to waive the condition Buyer Comment (2019-12-20): Waived - DD level 2
1450000246	12/27/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $550.00 exceeds tolerance of $375.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $550.00 exceeds tolerance of $375.00. Sufficient cure of $175 was provided to the borrower		10/XX/2019	Reviewer Comment (2019-12-23): Client elects to waive the condition Buyer Comment (2019-12-20): Waived - DD level 2
1450000246	12/27/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Management Company Fee. Fee Amount of $200.00 exceeds tolerance of $125.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $200.00 exceeds tolerance of $125.00. Sufficient cure of $75 was provided to the borrower		10/XX/2019	Reviewer Comment (2019-12-23): Client elects to waive the condition Buyer Comment (2019-12-20): Waived - DD level 2
1450000246	12/27/2019	2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided - Loan was u/w and approved as one unit, but is in fact a two unit. The LTV EXCEEDED THE MAX FOR A 2 UNIT PROPERTY/. Loan is unsaleable. The valuation confirms that the subject is a 2 unit property.			Reviewer Comment (2019-12-27): Client acknowledges the condition Buyer Comment (2019-12-20): Acknowledged
1450000246	12/27/2019	3	AUS Findings: Number of units discrepancy.	Appraisal number of units of ___ does not match AUS number of units of ___.	Due diligence results confirm loan defect provided - Loan was u/w and approved as one unit, but is in fact a two unit. The LTV EXCEEDED THE MAX FOR A 2 UNIT PROPERTY/. Loan is unsaleable. The valuation confirms that the subject is a 2 unit property.			Reviewer Comment (2019-12-27): Client elected to waive the condition Buyer Comment (2019-12-20): Waived - stated defect
1450000246	12/27/2019	1	AUS Findings: PITIA months reserves discrepancy.		Calculated PITIA months reserves of 36.99 is less than AUS PITIA months reserves of 37.00.			Reviewer Comment (2020-01-22): DU does not reflect any reserves are required to be verified. Only $18,954.65 required to be verified for close. Seller Comment (2020-01-10): Letter of explanation Reviewer Comment (2019-12-27): Lender provided bank statements and trails for sourcing large deposits/transfers. Lender is now short 8.43 months reserves. The documentation shows that the account that was cited as having $17,508.20 has an update showing money going to the account with a $25,499.69 balance and account with a $50,000.00 balance. This issue remains open. Seller Comment (2019-12-26): Bank statements
1450000160	1/3/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.				Reviewer Comment (2020-01-03): Lender acknowledges exception. Buyer Comment (2020-01-02): Acknowledged
1450000160	1/3/2020	1	TRID Final Closing Disclosure Amount Financed	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2019 disclosed an Amount Financed that was not within tolerance of the actual amount financed for the loan.			6/XX/2020	Reviewer Comment (2020-01-03): All pages final cd provided. Seller Comment (2020-01-02): Post Consummation CD
1450000160	1/3/2020	1	TRID Final Closing Disclosure APR Irregular Transaction	TILA-RESPA Integrated Disclosure - Loan Calculations: APR of .08700% on Final Closing Disclosure provided on 06/XX/2019 is under-disclosed from the calculated APR of 5.49330% outside of 0.250% tolerance.			6/XX/2020	Reviewer Comment (2020-01-03): All pages final cd provided. Seller Comment (2020-01-02): Post Consummation CD
1450000160	1/3/2020	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.			6/XX/2020	Reviewer Comment (2020-01-03): Letter of Explanation, Proof of Delivery, Refund check for under disclosed amount, Corrected CD. Lender provided cure prior to SitusAMC Review. Portion of refund was for Title Service Charge Seller Comment (2020-01-02): Post Consummation CD and Final CD approved by closer
1450000160	1/3/2020	1	TRID Final Closing Disclosure Total Of Payments	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 06/XX/2019 disclosed a Total of Payments that does not match the actual total of payments for the loan.			6/XX/2020	Reviewer Comment (2020-01-03): All pages final cd provided. Seller Comment (2020-01-02): Post Consummation CD and original Final CD approved by Closer
1450000160	1/3/2020	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.			6/XX/2020	Reviewer Comment (2020-01-02): Client elects to Waive Buyer Comment (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000160	1/3/2020	2	Due Diligence results do not confirm loan defect provided					Reviewer Comment (2020-01-03): Lender acknowledges exception. Buyer Comment (2020-01-02): Acknowledged
1450000160	1/3/2020	2	TRID Initial Loan Estimate Timing Electronically Provided	TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated 05/XX/2019 was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations.			6/XX/2020	Reviewer Comment (2020-01-02): Client elects to Waive Buyer Comment (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000160	1/3/2020	2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.					Reviewer Comment (2020-01-03): Lender waives exception. Buyer Comment (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000159	1/3/2020	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	The AUS required verification of rental income and the file did not contain a lease agreement or Schedule E for the XXX rental property.			Reviewer Comment (2020-01-03): Client waives exception. Buyer Comment (2020-01-02): Waived - Issue is related to the known defect.
1450000159	1/3/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Incorrect income calculation. Negative income of $8508.65 due to ($10487.51) SE income loss. Unable to locate copy of current lease/rental agreement for rental property #5 on the final 1003 - (XXX) to support rental income used for qualifying of $10,500/per month. DU requires satisfactory housing payment history for property #3 on the final - (XXX). Per DU, there is a private mortgage secured with this property; however unable to locate copy of an acceptable mtg payment history in file. *** FICO 1x30 on XXX flexible spending card 3/XX, balance $455," has been confirmed. While the credit report did not reflect any delinquent payments, the defects surrounding lack of pay history and lease agreement remain valid. The loan file provided a statement from the borrower stating the XXX property did not contain a convention bank statement as the note was to a private party. Payments were made biannually and the loan file did not provide evidence of these payments. The loan file also did not provide a lease agreement or Schedule E to verify rental income for the XXX rental property.			Reviewer Comment (2020-01-03): Client acknowledges exception. Buyer Comment (2020-01-02): Acknowledged
1450000158	1/3/2020	2	QM Employment History - Current and/or Previous Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment.	Third party verification of borrower's employment dates and status of business was not provided.			Reviewer Comment (2020-01-03): Client waives exception. Buyer Comment (2020-01-02): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000158	1/3/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan is approved through AUS (either DU or LP) the designation will be Temporary SHQM (GSE/Agency Eligible)			Reviewer Comment (2020-01-03): Client acknowledges exception. Buyer Comment (2020-01-02): Acknowledged
1450000158	1/3/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has not been confirmed as no evidence in file - Lost PIW before closing however borrower is not willing to allow for a post closing appraisal. COLLATERAL - DOT may be a trailing document due to recent funding. eSign Process Summary shows First Lien Appraisal Waiver - Receipt Form e-signed by borrower 09/XX/2019. Approval shows transaction has no appraisal.			Reviewer Comment (2020-01-03): Client acknowledges exception. Buyer Comment (2020-01-02): Acknowledged
1450000158	1/3/2020	1	Title Policy Coverage is less than Original Loan Amount.		Updated title policy to be provided showing correct coverage amount			Reviewer Comment (2020-01-06): Lender provided final title reflecting amount of insurance $259,000. Seller Comment (2020-01-02): Corrected Title
1450000157	1/2/2020	2	Due diligence results confirm loan defect provided		This is a condominium project that was incorporated in 1974. ASMC performed a Limited Review as allowed by FNMA. All documents were obtained, however at some point in running the FNMA DU, the property switched to Full Review. With secondary financing added to the trascation resulted in a 95.00% CLTV. The loan closed without the HOA having a sufficient level of fidelity bond coverage to make the loan FNMA eligible.			Reviewer Comment (2020-01-02): Client waives exception. Buyer Comment (2019-12-30): Waived - 2
1450000157	1/2/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Originator Loan Designation of Temporary SHQM noted on Mavent compliance report.			Reviewer Comment (2020-01-02): Client waives exception. Buyer Comment (2019-12-30): Waived - accept dil desig
1450000156	12/31/2019	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-12-31): Client elected to waive the condition Buyer Comment (2019-12-30): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000156	12/31/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2019-12-31): Client elected to waive the condition Buyer Comment (2019-12-30): Waived - Issue is related to the known defect.
1450000156	12/31/2019	3	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).			Reviewer Comment (2019-12-31): Client elected to waive the condition Buyer Comment (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000156	12/31/2019	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $268.00 exceeds tolerance of $241.00 plus 10% or $265.10. Insufficient or no cure was provided to the borrower.	Erroneous Reg ID 2933. The fees in question were seller paid and captured from the seller's CD. It is customary the fees in question be paid by seller's in the state of FL.		8/XX/2020	Reviewer Comment (2019-12-31): Client elected to waive the condition Buyer Comment (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000156	12/31/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $2,142.40 exceeds tolerance of $1,012.00. Insufficient or no cure was provided to the borrower.	Erroneous Reg ID 2933. The fee in question was seller paid and captured from the seller's CD. It is customary the fee in question be paid by seller's in the state of FL.		8/XX/2020	Reviewer Comment (2019-12-31): Client elected to waive the condition Buyer Comment (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000156	12/31/2019	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed per LP- Loan closed with incorrect tax amount. This increased the DTI to 54% resulting in an ineligible loan.			Reviewer Comment (2019-12-31): Client elected to acknowledge the condition Buyer Comment (2019-12-30): Acknowledged
1450000156	12/31/2019	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $430.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Erroneous Reg ID 2933. The fee in question was seller paid and captured from the seller's CD. It is customary the fee in question be paid by seller's in the state of FL.		8/XX/2020	Reviewer Comment (2019-12-31): Client elected to waive the condition Buyer Comment (2019-12-30): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000156	12/31/2019	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Originator Loan Designation not provided in file.			Reviewer Comment (2019-12-31): Client elected to acknowledge the condition Buyer Comment (2019-12-30): Acknowledged
1450000155	1/9/2020	3	REO Documents are missing.	- ___	Verification of current taxes and HOA costs were not located in the loan file.Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - not a concern
1450000155	1/9/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape of "UW miscalculated income for self employed borrower' update borrower has 0 income," has not been confirmed. The borrower provided evidence of wage earnings from the primary employment and Schedule D and K-1 income loss which was captured. The Co-borrower also provided income from the S-Corp but was not used in qualifying.			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged
1450000155	1/9/2020	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	The loan file did not contain evidence the valuation was received within three business days of closing.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 1
1450000155	1/9/2020	1	Payoff Statement Missing	Missing Payoff Statement: Unable to determine if a prepayment penalty was included in the pay-off which may impact high cost findings.	The loan file was missing the mortgage payoff statement.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 1
1450000155	1/9/2020	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.	The loan file did not have an Initial Escrow Disclosure.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 1
1450000155	1/9/2020	1	TRID Final Closing Disclosure Estimated Total Minimum Payment Adjustable Rate Subsequent Payments	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2019 disclosed an Estimated Total Monthly Payment for payment stream 3 that does not match the actual total payment for the loan.	The Hazard policy noted the Insurance payment as $200.01 and the Cd noted the payment as $200.02.		5/XX/2022	Reviewer Comment (2020-01-17): figures confirmed from CD Seller Comment (2020-01-14): Final Settlement Statement disclosed said fee as well for 200.02 (see attached). If fees were placed at 200.01, borrower would have been short in the amount of .03.
1450000155	1/9/2020	1	TRID Final Closing Disclosure Projected P&I Min Payment Adjustable Rate Subsequent Payments	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 05/XX/2019 disclosed a periodic principal and interest payment for payment stream 3 that does not match the actual payment for the loan.	Total Estimated Payment Min does not match the actual total of payments for loan.		5/XX/2022	Reviewer Comment (2020-01-17): figures confirmed from CD Seller Comment (2020-01-15): PCCD
1450000154	1/9/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape of "Income not calculated correctly," has not been confirmed. The borrower's owned and operated an S-Corp business and income was used utilizing 12 months bank statements. The DU was present, the 1008 indicated the loan was manually underwritten. The business contained 2 different bank accounts with a combined 12 month average income of approximately $50K. The underwriter used a conservative monthly income $41K. The loan file supported this income with the 2018/2017 1120S. Additionally, per the 1008, the Operating Income Schedule noted the monthly rent amount as $2,750 and the underwriter used a lesser of $2,500.			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged
1450000154	1/9/2020	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.				Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - not a concern
1450000154	1/9/2020	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.				Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - not a concern
1450000153	1/15/2020	1	Missing Document: Hazard Insurance Policy not provided					Reviewer Comment (2020-01-15): Policy provided. Seller Comment (2020-01-13): HOI attached
1450000153	1/15/2020	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.	File is missing a copy of the initial escrow account statement.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 1
1450000153	1/15/2020	2	TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien	TRID Final Closing Disclosure 04/XX/2018 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.)	File is missing a copy of the Seller CD. The Final CD did not include any seller paid fees.		4/XX/2019	Reviewer Comment (2020-01-08): Client elects to Waive Buyer Comment (2020-01-07): Waived - 2
1450000153	1/15/2020	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,178.00 exceeds tolerance of $2,392.00 plus 10% or $2,631.20. Insufficient or no cure was provided to the borrower.	Total amount of $3,178.00 exceeds tolerance of $2,392.00 plus 10% or $2,631.20. No cure or valid Change of Circumstance was provided to the borrower.		4/XX/2019	Reviewer Comment (2020-01-08): Client elects to Waive Buyer Comment (2020-01-07): Waived - 2
1450000153	1/15/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $1,525.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $1,525.00 exceeds tolerance of $0.00. No cure or valid Change of Circumstance was provided to the borrower.		4/XX/2019	Reviewer Comment (2020-01-08): Client elects to Waive Buyer Comment (2020-01-07): Waived - 2
1450000153	1/15/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Borrower not employed as disclosed at time of closing. ****Per lender correspondence e-mail chain, a FNMA VOE was referenced which confirms the co-borrower was only a contract employee and that the assignment ended prior to closing on 04/XX/2018. This is confirmed by the post closing Work Number VOE dated 01/XX/2019.			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged
1450000153	1/15/2020	1	The Hazard Insurance Policy effective date is after the Transaction Date.		Policy effective date is after close.			Reviewer Comment (2020-01-24): Lender provided copy of initial policy. Seller Comment (2020-01-15): HOI from 4/XX/2018
1450000152	1/9/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape of "Undisclosed liability," has not been confirmed. Credit obligations were verified using a credit reported dated 07/XX/2018 and an updated reported was done on 07/XX/2018. There were multiple recent credit inquiries noted on each report which was addressed with a Letter of Explanation from the borrower citing no new loans were originated. The defect provided no information regarding the undisclosed debt and the loan file did not contain evidence (post credit report) validating of such a claim.			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged
1450000152	1/9/2020	1	TRID Appraisal Disclosure - ECOA Status	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.	The loan file was missing the Right To Receive Appraisal Disclosure.		8/XX/2019
1450000152	1/9/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Per the Mavent report, the loan designation was Temp SHQM.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - accept dil desig
1450000152	1/9/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - priced as atr fail
1450000152	1/9/2020	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	Evidence the List of HomeOwnership Counseling Organizations was delivered to the borrower was not located in the loan file.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 1
1450000152	1/9/2020	2	TRID Loan Estimate Status	TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $4,583.56 may be required.	The loan file did not contain a Loan Estimate.		8/XX/2019	Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 2
1450000152	1/9/2020	3	Insurance address does not match Note address.		Insurance address does not match note.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - not a concern
1450000151	1/9/2020	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.	Appraisal was updated with a date after closing.			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged - AMC DD EV 2
1450000151	1/9/2020	3	Capital Gains Assets	Qualified Mortgage (Dodd-Frank 2014): Documentation to support Capital Gains income requirement not met.	Captured loss - no income being used			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000151	1/9/2020	3	Capital Gains Tax Returns	Qualified Mortgage (Dodd-Frank 2014): Three (3) years tax returns to evaluate Capital Gains or Losses requirement not met.	Captured loss - no income being used			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000151	1/9/2020	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Missing AUS and Guidelines			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000151	1/9/2020	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Missing AUS and Guidelines			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - Manual UW, 1008 provided. S&D, also priced as Non ATR / Non QM.
1450000150	1/9/2020	2	RESPA HUD Settlement Booklet Status	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.				Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 2
1450000150	1/9/2020	2	Truth In Lending Act Final TIL Disclosure Status	Missing Final TIL.			1/XX/2016	Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 2
1450000150	1/9/2020	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	2 year history met however VOE for previous employer not located.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - not a concern now
1450000150	1/9/2020	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___				Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - bpo
1450000150	1/9/2020	1	Missing Document: Missing Final 1003					Reviewer Comment (2020-01-28): Seller provided a copy of the final 1003 Seller Comment (2020-01-24): re-loading so doc will be tagged correctly Seller Comment (2020-01-21): 1003
1450000150	1/9/2020	2	Due Diligence results do not confirm loan defect provided		Due Diligence results do not confirm loan defect provided - The co-borrower left his employment prior to closing and did not report that information to the loan officer. His income was used in qualifying for the loan. This was discovered in a post-closing QC review and self-reported by seller. It appears a contact name was given to the processor by the co-borrower which she used to verbally verify his employment even though he had already left his employer. This loan has been self-reported to Corporate Security as well. There was no evidenced found in the file to support the defect.			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged
1450000150	1/9/2020	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Unable to determine loan designation.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - accept dil desig
1450000149	1/9/2020	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX. Provide a post-disaster inspection verifying there was no damage from XXX. The inspection must include exterior photos and the property must be re-inspected on or after 09/XX/2016 declared end date.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - bpo
1450000149	1/9/2020	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.	Cash from borrower of $7098.23 is greater than the qualifying reserves of $1618.44.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - not a concern now
1450000149	1/9/2020	3	Aged document: Credit Report is more than 90 days prior to the note date.	-	Credit Report date 2/XX/2015 is more than 90 days prior to the note date/notary date of 6/XX/2015.			Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - not a concern now
1450000149	1/9/2020	2	RESPA HUD Settlement Booklet Status	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.				Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-07): Waived - 2
1450000149	1/9/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason on tape has not been confirmed. The origination appraisal did not adequately support the value stated and consequently does not allow us to confirm eligibility with respect to mortgage insurance and/or the maximum loan-to-value ratio for the loan. **Per the Appraisal report in the loan file, the comparisons that were used by the appraiser were over 2.3 and 7.2 miles from the subject property. The appraiser comments on this was due to the subject's interior had been updated and had very minimal deferred maintenance. The appraiser did locate similar comparisons however were further away.			Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-07): Acknowledged
1450000148	1/27/2020	1	Final Title Policy Coverage is less than Original Loan Amount.					Reviewer Comment (2020-01-27): Lender provided final title reflecting amount of insurance $XXX Seller Comment (2020-01-16): Final Title Policy to match Note Amount - $XXX
1450000148	1/27/2020	1	Title Policy is Preliminary or Commitment, and not a Final Title Policy.					Reviewer Comment (2020-01-27): Lender provided a copy of the final title.
1450000148	1/27/2020	1	VA Loan Analysis Worksheet Form 26-6393 is missing.	-				Reviewer Comment (2020-01-27): Lender provided copy of the analysis. Seller Comment (2020-01-16): VA Loan Analysis
1450000148	1/27/2020	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-				Reviewer Comment (2020-01-27): Lender provided IBTS form. Seller Comment (2020-01-16): 442 is not required. Appraiser's comments on Addendum Page 2 of 2 indicate that the "Conditions of Appraisal" are - "The compliance certificate and HUD Tag were not found on the home therefore I am requiring an IBTS." IBTS was included in original file upload but is attached again here for your convenience.
1450000148	1/27/2020	1	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 11/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.			11/XX/2022	Reviewer Comment (2020-01-21): Upon further review, the exception is cleared. Buyer Comment (2020-01-16): The Engineering Report and IBTS Verification Fee are not APR fees. These items are not "inspection fees" but are similar to an appraisal as a report/certification was prepared. These fees would not be included in the finance charge.
1450000148	1/27/2020	1	VA Loan Analysis Worksheet Form 26-6393 is missing.	-				Reviewer Comment (2020-01-27): Lender provided copy of the analysis. Seller Comment (2020-01-16): VA Loan Analysis
1450000148	1/27/2020	3	VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%	Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.				Reviewer Comment (2020-01-27): Total charges are $1,387.01 and max is $748.92. Exception remains. Buyer Comment (2020-01-16): Per the VA Handbook, the veteran can pay a maximum of: () reasonable and customary amounts for any or all of the â€œItemized Fees and Chargesâ€ designated by VA, plus () a one percent flat charge by the lender, plus (*) reasonable discount points. In addition to the â€œitemized fees and charges,â€ the lender may charge the veteran a flat charge not to exceed one percent of the loan amount. We are within VA guidelines
1450000148	1/27/2020	2	Due diligence results confirm loan defect provided					Reviewer Comment (2020-01-09): Client Acknowledges the condition Buyer Comment (2020-01-08): Acknowledged - AMC DD EV 2 - S&D REASON CONFIRMED
1450000148	1/27/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.				Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-08): Waived - VA INSURED, S&D.
1450000148	1/27/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.				Reviewer Comment (2020-01-09): Client elected to waive the condition Buyer Comment (2020-01-08): Waived - VA Insured S&D.
1450000140	2/21/2020	3	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	File is missing a copy of the Most recent YTD quarterly P&L Statement and Balance Sheet.			Reviewer Comment (2020-02-21): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-20): Waived - not required per DU - unavailable
1450000140	2/21/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Safe Harbor QM per Mavent report.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged
1450000140	2/21/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed as pay history not located. Repurchased due to early payment default, borrower was 190, loan is now current. **There is no payment history or post dated credit report to confirm the defect.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged
1450000140	2/21/2020	3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Hazard Insurance Coverage Amount is insufficient by $XXX.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000140	2/21/2020	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.				Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000140	2/21/2020	3	Income Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): The Method used to calculate the qualifying monthly income is not supported by the earnings history/trend.	Loan was qualified with previous years income. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-21): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-20): Waived - not required per DU - unavailable
1450000140	2/21/2020	3	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	File is missing a copy of the Most recent YTD quarterly P&L Statement and Balance Sheet. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-21): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-20): Waived - not required per DU - unavailable
1450000140	2/21/2020	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $625.00 exceeds tolerance of $525.00. Sufficient or excess cure was provided to the borrower at Closing.	Fee disclosed was last disclosed as $525.00 on LE but disclosed as $625.00 on Final Closing Disclosure. Cure provided on redisclosed CD of $104.75.		12/XX/2019
1450000139	2/12/2020	3	Missing Document: Flood Insurance Policy not provided					Reviewer Comment (2020-02-12): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-11): Waived - pg 6 of policy reflects this is indeed acceptable private flood ins Reviewer Comment (2020-02-11): Policy provided appears to be the borrower's HOI policy. Even though the policy provides for a flood deductible, the file requires the coverage amount provided within the flood policy and the premium amount. Condition remains. Seller Comment (2020-02-10): flood
1450000139	2/12/2020	1	Homeowner Flood Insurance Affordability Act of 2014	Loan originated post December 2015, the subject property is in a flood zone, flood insurance is not escrowed.				Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - 1
1450000139	2/12/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Originator Loan Designation of Safe Harbor QM per Mavent.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - accept dil desig
1450000139	2/12/2020	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	The file was missing a copy of the Your Home Loan Toolkit disclosure or proof of the borrower's receipt within 3 days of originator application date.		10/XX/2020	Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - 1
1450000139	2/12/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $27.45 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee Amount of $27.45 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		10/XX/2020	Reviewer Comment (2020-02-12): SitusAMC received PCCD indicating cure, LOE, refund check, and proof of mailing. Seller Comment (2020-02-10): refund
1450000139	2/12/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Single width manufactured home that is not located in a FNMA approved PUD project. ***The subject property located in XXX, WA is a single wide manufactured home. Per the Fannie Mae Project Eligibility Report as of 1/XX/2020, XXX PUD Project development is not on the list as an approved project for Condo's, PUD's, Co-ops or manufactured homes.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged
1450000139	2/12/2020	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Missing copy of each valuation to applicant three (3) business days prior to consummation.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - 1
1450000138	1/15/2020	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured		The loan file contained evidence the MI was rescinded due to property type.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	3	Case # Assignment does not indicate "All borrowers passed SSN validation".		An updated case number assignment stating All borrowers passed validation was not located in the loan file.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	3	FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.	-	FHA Document not signed by underwriter.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Collateral is a single-wide Manufactured home. Borrower quit job prior to closing but does have new employment now. FHA uninsured," has been confirmed. The appraisal noted the subject property as a single wide manufactured home. The loan file contained a refund of premium for the mortgage insurance. A VOE dated the day before closing noted the borrower was employed. Documents in the loan file do not support the borrower was not employed at the time of closing.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - AMC DD EV 2 - S&D REASON
1450000138	1/15/2020	3	FHA Conditional Commitment DE Statement of Appraised Value (92800.5B) is missing.	-	FHA document not located in the loan file.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	2	Federal Flood Disclosure Received	FDPA Notification Rule: Creditor did not retain record of borrower's receipt of Notice of Special Flood Hazard Disclosure.	The Notice of Special Flood Hazard Disclosure was not signed by borrower.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - AMC DD EV 2
1450000138	1/15/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan not eligible to be insured by FHA due to property type.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Loan designation selected from Mavent Report.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	The loan file provided no evidence of delivery of the List of Homeownership Counseling Organizations.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - NO ASSINGEE LIABILITY - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	2	Maine HPML Threshold 2013 Test Compliant	Maine Higher-Priced Mortgage Loan: APR on subject loan of 6.80050% or Final Disclosure APR of 6.93900% is in excess of allowable threshold of APOR 4.64% + 1.5%, or 6.14000%, or subject loan is a high-cost mortgage loan, contains negative amortization, or has an interest-only feature. Compliant Higher Priced Loan.	The APR was in excess of the allowable threshold.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - AMC DD EV 2 - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	1	TRID Home Loan Toolkit Provided	Truth in Lending Act (2015): Creditor or broker did not provide Your Home Loan Toolkit Disclosure to applicant.	The loan file contained no evidence the Home Loan Toolkit was delivered.		7/XX/2019	Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - FHA UNINSURED S&D, ALSO PRICED AS NON ATR / NON QM.
1450000138	1/15/2020	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MCC Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.	The loan file provided no evidence of a cure in the amount of $200 for exceeding the tolerance of the MCC fee.		7/XX/2019
1450000138	1/15/2020	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for MCC Fee. Fee Amount of $500.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower at Closing.	The loan file provided no evidence of a cure in the amount of $100 for exceeding the tolerance of the MCC fee.		7/XX/2019
1450000138	1/15/2020	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $391.60 exceeds tolerance of $198.00. Sufficient or excess cure was provided to the borrower at Closing.	Erroneous Reg ID 4748. This fee seller paid, and is customarily paid by Seller in the state of ME		7/XX/2019
1450000137	1/15/2020	2	Oklahoma Higher Priced Mortgage Loan Threshold Compliant	Oklahoma Higher-Priced Mortgage Loan: APR on subject loan of 5.85400% or Final Disclosure APR of 5.89700% is in excess of allowable threshold of APOR 4.39% + 1.5%, or 5.89000%. Compliant Higher Priced Loan.				Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000137	1/15/2020	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	GAP Letter for 8/24-10/8 was not provided.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000137	1/15/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Missing GAP Letter for employment from 8/XX-10/XX.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000137	1/15/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - S&D, ALSO PRICED AS NON ATR / NON QM.
1450000137	1/15/2020	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in a FEMA Disaster Area. Provide a post-disaster inspection verifying there was no damage from enter disaster info here XXX. The inspection must include exterior photos and the property must be re-inspected on or after 06/XX/19 declared end date.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - PROPERTY VALUATION OBTAINED
1450000137	1/15/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has not been confirmed COC - not Missing; Loan was created in LOS system incorrectly. The first lien was duplicated in LOS and the 2nd lien loan information was not updated. This caused all loan documents to reflect incorrect information. COC for loan amount change was not sent within 3 days.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-13): Acknowledged - AMC DD EV 2
1450000137	1/15/2020	3	Missing Document: Note - Subordinate Lien not provided		Subordinate Note was not provided.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-13): Waived - XXX IS PURCHASING THE 1ST LIEN ($150,350), PER DILIGENCE RESULTS, LIEN IS IN 1ST POSITION.
1450000133	1/28/2020	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Final Closing Disclosure provided on 05/XX/2016 disclosed a Finance Charge that is underdisclosed by $35.11. There is no Itemization of Fees to determine the source of the discrepancy.		5/XX/2019	Reviewer Comment (2020-01-28): Client elected to waive exception. Buyer Comment (2020-01-27): Waived - Issue doesn't impact XXX's ability to purchase this loan. Reviewer Comment (2020-01-27): Loan is under disclosed in the amount of $35.11. PCCD, LOE, proof of delivery, copy of refund check, and reopen RTC required to cure. Seller Comment (2020-01-22): Remedy
1450000133	1/28/2020	2	TRID Final Closing Disclosure Total Of Payments Test	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2016 disclosed a Total of Payments that does not match the actual total of payments for the loan.	It appears that the prepaid interest of $178.92 was not considered in the Total of Payments as the Final Closing Disclosure provided on 05/XX/2016 disclosed an amount that does not match the actual total of payments by $178.92.		5/XX/2019	Reviewer Comment (2020-01-28): Client elected to waive exception. Buyer Comment (2020-01-27): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase. Reviewer Comment (2020-01-27): Loan is under disclosed in the amount of 178.92. PCCD, LOE, proof of delivery, copy of refund check, and reopen RTC required to cure. Seller Comment (2020-01-22): Remedy
1450000133	1/28/2020	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $265.48 is less than amount of binding Lender Credit previously disclosed in the amount of $-267.00.	Final Lender Credit of $265.48 is less than amount of binding Lender Credit previously disclosed in the amount of $267.00. There is no evidence of a valid Change of Circumstance for this change.		5/XX/2017	Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-14): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000133	1/28/2020	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 05/XX/2016 not received by borrower at least four (4) business days prior to closing.	The Revised Loan Estimate provided on 05/XX/2016 was electronically sent on 05/XX/2016 and viewed on 05/XX/2016, 3 days prior to closing on 05/XX/2016.		5/XX/2017	Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-14): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000133	1/28/2020	2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided - Uninsured repurchase from XXX. Lender correspondence confirms the loan is uninsurable due to the new term being more than 10 years greater than the old term and the new interest rate is higher than the old one.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-14): Acknowledged
1450000133	1/28/2020	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.	The loan file does not provide the Originator Loan Designation.			Reviewer Comment (2020-01-15): Client Acknowledges the condition Buyer Comment (2020-01-14): Acknowledged
1450000133	1/28/2020	3	Missing Document: AUS not provided		Missing AUS.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-14): Waived - Loan is a VA IRRRL.
1450000133	1/28/2020	3	Loan Guaranty Certificate is missing.	-	File is missing a copy of the Loan Guaranty Certificate.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-14): Waived - Issue doesn't impact XXX's ability to purchase this loan as loan is not VA insured.
1450000133	1/28/2020	3	VA IRRRL Worksheet VA 26-8923 is not compliant.	-	VA IRRRL Worksheet VA 26-8923 is missing the signature by representative of Lender.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-14): Waived - Issue doesn't impact XXX's ability to purchase this loan as loan is not VA insured.
1450000133	1/28/2020	3	VA IRRRL Loan - Total Borrower Paid Fees Exceeds 1% or $6,000	Origination Fee and/or Itemized Fees and Charges paid by the borrower, $XXX exceeds 1% of the loan amount plus the cost of energy efficient improvements up to $6000 less cash payment from the borrower for IRRRL loans $XXX.	Origination Fee and Charges paid by the borrower, $XXX exceeds 1% of the loan amount plus the cost of energy efficient improvements less cash payment from the borrower for IRRRL loans $XXX.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-14): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000133	1/28/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-01-15): Client elected to waive the condition Buyer Comment (2020-01-14): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000132	1/30/2020	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	No additional documentation is required based on AUS findings. However, since the loan is no longer salable to agency, additional income documentation would be required.			Reviewer Comment (2020-01-30): Client waives exception. Buyer Comment (2020-01-17): Waived - does not have any ROR or assignee liability impact XXX to purchase loan
1450000132	1/30/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - MI Underwriter did not review file against median income limits of bond program. Income exceed maximum for 2 person household. ****Per the HUD 2019 Median Income Limits Documentation found @ https://www.huduser.gov/portal/datasets/il/il2019/2019summary.odn, the Median Income limit for a family of 2 is $69,700. The income for the borrowers with this purchase transaction exceeds the limit with a combined yearly income of $109,593.96.			Reviewer Comment (2020-01-30): Client acknowledges exception. Buyer Comment (2020-01-17): Acknowledged
1450000132	1/30/2020	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2020-01-30): Client waives exception. Buyer Comment (2020-01-17): Waived - does not have any ROR or assignee liability impact XXX to purchase loan
1450000132	1/30/2020	3	AUS Findings: Available for Reserves discrepancy.	Calculated Available for Reserves of ___ is less than AUS Available for Reserves of ___.				Reviewer Comment (2020-01-30): Client waives exception. Buyer Comment (2020-01-17): Waived - does not have any ROR or assignee liability impact XXX to purchase loan
1450000132	1/30/2020	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Originator Loan Designation unknown.			Reviewer Comment (2020-01-30): Client waives exception. Buyer Comment (2020-01-17): Waived - accept dil desig
1450000131	1/30/2020	3	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.	Evidence of the loan designation was not found in the loan file.			Reviewer Comment (2020-01-30): Client acknowledges exception. Buyer Comment (2020-01-18): Acknowledged
1450000131	1/30/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Loan is no longer agency eligible. Please advise which guidelines are applicable.			Reviewer Comment (2020-01-30): Client waives exception. Buyer Comment (2020-01-18): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000131	1/30/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed: Uninsured VA: Due to the bonus entitlement is less than the minimum of $XXX. *** The Certificate of Eligibility confirms borrower does not qualify for basic entitlement and the bonus entitlement only applies to loans in excess of $XXX and the new loan amount is $XXX.			Reviewer Comment (2020-01-30): Client acknowledges exception. Buyer Comment (2020-01-18): Acknowledged
1450000130	1/24/2020	3	QM Employment History	Qualified Mortgage (Dodd-Frank 2014): Employment history requirement not met.	Borrower employment history reflects gap > 30 days. LOE was not provided.			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-18): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000130	1/24/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-18): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000130	1/24/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has been confirmed with letter from employer dated 10/XX/19 exclaiming Borrower left job (terminated) 9/XX/19 for another job before loan was purchased by investor.			Reviewer Comment (2020-01-24): Client Acknowledges the condition Buyer Comment (2020-01-18): Acknowledged
1450000130	1/24/2020	1	Missing Document: Fraud Report not provided		The file was missing a copy of the required fraud report including all interested parties to the transaction. Provide a fraud report to include the borrowers, seller, listing and selling agents, the appraiser, and the loan originator, as required by the guidelines.			Reviewer Comment (2020-01-24): Fraud report provided. Seller Comment (2020-01-17): fraud report
1450000130	1/24/2020	1	Unknown Loan Designation	Ability to Repay (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Non QM.	Originator Loan Designation unknown			Reviewer Comment (2020-01-24): Compliance ease report provided. Seller Comment (2020-01-17): compliance
1450000130	1/24/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Compliance Ease.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000129	1/24/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - This loan missed GNMA Seasoning requirement for regular pooling, could've been custom pooled at the time of close - 2 months seasoning.The loan that was refinanced to keep it from seasoning was a local bank loan that he had just refinanced because the 15 yr term had expired on the previous loan, and the new loan was a 10 yr loan, so the borrower refinanced on VA loan for longer term and fixed rate the cashed out availability. ... The Mortgage Loan Payoff Statement reflects a Contract Date of 2/XX/2018 and a Maturity Date of 2/XX/2028.			Reviewer Comment (2020-01-24): Client Acknowledges the condition Buyer Comment (2020-01-17): Acknowledged
1450000129	1/24/2020	1	Public Record Issue:	-	Verification of exclusion missing from file.			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-17): Waived - 1
1450000129	1/24/2020	1	VA Loan Disbursement Form 26- 1820 is not compliant.	-	VA Loan Disbursement Form 26-1820 was not signed by the lender.			Reviewer Comment (2020-01-30): Lender provided copy signed by lender. Seller Comment (2020-01-21): 26-1820
1450000129	1/24/2020	1	QM Employment History - Current Employment Documentation lacks Date Info	Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment.	For self-employed borrowers, the existence of the business must be independently verified by two (2) years of business licenses or a CPA letter through disinterested third party within 10 business days of closing. The loan file should reflect documentation secured from these sources. Sources may include: CPA, regulatory agency or applicable licensing bureau. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-17): Waived - 1
1450000129	1/24/2020	3	Sole Proprietorship Income Documentation Test	Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship).	The file is missing a YTD P&L, balance sheet, and verification of the State Date of their current business. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-17): Waived - va insured
1450000129	1/24/2020	2	ECOA Receipt of Preliminary Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.	Missing copy of each valuation to applicant three (3) business days prior to consummation.			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-17): Waived - 2
1450000129	1/24/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of VA Safe Harbor QM			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-17): Waived - accept dil desig
1450000129	1/24/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	The loan being paid off was not seasoned for 9 months.			Reviewer Comment (2020-01-24): Client elected to waive the condition Buyer Comment (2020-01-17): Waived - va insured
1450000129	1/24/2020	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Evidence of earlier borrower receipt was not found in file.		4/XX/2019	Reviewer Comment (2020-01-22): Client elects to waive the condition Buyer Comment (2020-01-17): Waived - 2
1450000129	1/24/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $62.66 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		4/XX/2019	Reviewer Comment (2020-01-22): Client elects to waive the condition Buyer Comment (2020-01-17): Waived - 2
1450000129	1/24/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $150.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		4/XX/2019	Reviewer Comment (2020-01-22): Client elects to waive the condition Buyer Comment (2020-01-17): Waived - 2
1450000129	1/24/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for VA Funding Fee. Fee Amount of $3,119.65 exceeds tolerance of $3,054.00. Insufficient or no cure was provided to the borrower.	Fee disclosed was last disclosed as $3,054.00 on LE but disclosed as $3,119.65 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.		4/XX/2019	Reviewer Comment (2020-01-22): Client elects to waive the condition Buyer Comment (2020-01-17): Waived - 2
1450000129	1/24/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $223.45 exceeds tolerance of $209.00. Insufficient or no cure was provided to the borrower.	Fee disclosed was last disclosed as $209.00 on LE but disclosed as $223.45 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing.		4/XX/2019	Reviewer Comment (2020-01-22): Client elects to waive the condition Buyer Comment (2020-01-17): Waived - 2
1450000129	1/24/2020	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,088.00 exceeds tolerance of $531.00 plus 10% or $584.10. Insufficient or no cure was provided to the borrower.	10% tolerance was exceeded by $1088.00 due to addition of Doc prep, Lender Insurance, Recording and Title Review fees. No valid COC provided, nor evidence of cure in file.		4/XX/2019	Reviewer Comment (2020-01-22): Client elects to waive the condition Buyer Comment (2020-01-17): Waived - 2
1450000129	1/24/2020	1	VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by borrower between the application date and the loan closing date.	-	Verification of document signed by borrower between application date and closing date missing from file.			Reviewer Comment (2020-01-30): Lender provided copy signed at close. Seller Comment (2020-01-21): 1003
1450000129	1/24/2020	1	VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by Lender between the application date and the loan closing date.	-	Verification of document signed by borrower between application date and closing date missing from file.			Reviewer Comment (2020-01-30): Lender provided copy signed at close. Seller Comment (2020-01-21): VA Addendum
1450000129	1/24/2020	3	VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%	Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.	Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.			Reviewer Comment (2020-02-11): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-10): Waived - va insured, va allows for overage if fees are reasonable and customary. Reviewer Comment (2020-02-05): Lender appears to have misspoken. The fees identified ARE the fees included in the calculation for the 1% limit. Lender and review agree on the total for these fees of $2,182.19. Maximum allowed is $1,482.19. Violation amount is $700.00. The testing in lender's compliance report is not accurate having excluded the appraisal re-inspection fee of $150, Abstract for $50 and Title Review for $500. This makes up the $700 variance. This issue remains open. Seller Comment (2020-01-31): Per Underwritter 1122.19 - Origination 75.00 - Tax Service 15.00 - Tax Transcripts 50.00 - Search Fee 20.00 - Wire Fee 25.00 - CPL Fee 100.00 - Doc Prep Fee 500.00 - Title Review Fee 125.00 - Pest 150.00 - Inspection Fee Totaling $2,182.19 The fees listed aboce should not be included in your calculation, they are not apart of the origination fee. We ran a compliance report on this file, and it passed for fees. The compliance report determined that applicable fees did not exceed 1% of the loan amount. Reviewer Comment (2020-01-30): Including undiscounted rate in testing, but still over the 1%. The compliance report in file reflects fees % as 1.7153%. Exception remains. Seller Comment (2020-01-21): please see attached CD - The origination fee on the final CD does not exceed 1% of the loan amount.
1450000128	1/30/2020	3	Missing Document: Fraud Report not provided		File is missing Fraud Report.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan. as it is 11 years old.
1450000128	1/30/2020	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The subject property is located in a FEMA Disaster area post-close. End Date of 11/XX/2017.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - BPO dated 1/XX/20 shows no damage.
1450000128	1/30/2020	3	Transaction Error: Borrower is receiving cash back on a purchase loan.	Cash to Borrower: ___				Reviewer Comment (2020-01-30): Client acknowledges the condition Buyer Comment (2020-01-28): Acknowledged
1450000128	1/30/2020	2	Property is in a declining market.	-				Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is 11 years old, no impact.
1450000128	1/30/2020	1	Missing Initial Loan Application Test	No evidence of application date located in file. Compliance tests were run using an application date of 07/XX/2008 which is 1 months prior to consummation. A lookback was performed to determine this application date.	Missing Lenders application date via Approval Letter or Initial Application.			Reviewer Comment (2020-01-30): Client acknowledges the condition Buyer Comment (2020-01-28): Acknowledged
1450000128	1/30/2020	2	TIL Finance Charge Tolerance	Truth In Lending Act: Final TIL Finance Charge of $381,608.78 is underdisclosed from calculated Finance Charge of $383,609.26 in the amount of $XXX.	XXX		8/XX/2009	Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan. as it is 11 years old.
1450000128	1/30/2020	3	Valuation Error: Appraiser's valuation company name not provided.	-	Valuation company on appraisal is blank.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is 11 years old, no impact.
1450000127	1/30/2020	3	Missing Document: Fraud Report not provided		The file is missing a copy of the required fraud report.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan. as it is 6 years old.
1450000127	1/30/2020	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Lender 1003 shows primary residence mortgage with XXX for $3009.46/ month as refinanced with the same lender as the subject property, new PITIA payment $2,344.96. HUD1 or other acceptable documentation reflecting evidence of PITIA of no greater than $2,344.96 on XXX is missing from the loan file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is more than 6 years old.
1450000127	1/30/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Closed at 77.60 LTV at closing, 75 required. ***The loan closed at 78% LTV, however, 75% LTV is the maximum LTV for a cash out refinance on a one unit investment property.			Reviewer Comment (2020-01-30): Client acknowledges the condition Buyer Comment (2020-01-28): Acknowledged
1450000126	1/30/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Closed as FHA, uninsured due to expired appraisal. ... The Appraisal was made subject to completion of the construction plans and has an effective date of 3/XX/2013. An updated valuation was not provided in the file.			Reviewer Comment (2020-01-30): Client acknowledges the condition Buyer Comment (2020-01-28): Acknowledged
1450000126	1/30/2020	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX, CA. Provide a post-disaster inspection verifying there was no damage from XXX.. The inspection must include exterior photos and the property must be re-inspected on or after 2/XX/2018 declared end date.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as disaster was 6 years ago.
1450000126	1/30/2020	3	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	Appraisal was made "subject to" and Form 1004D/442 was not provided.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	3	Aged document: Primary Valuation is older than guidelines permit	-	The appraisal expired 7/XX/13 and no updated appraisal was evidenced in the loan file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue is related to the known defect.
1450000126	1/30/2020	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	3	Missing Document: Fraud Report not provided		Fraud Report not provided			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	1	Employment Error: Employment job title not provided.	-	Prior Employment Job Title was not provided in the file for the tertiary borrower.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	3	FHA - Amendatory Clause is not compliant.	-	The Amendatory Clause was not signed by the seller.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	2	FHA - Amendatory Clause was provided at or after closing.	- Provided Date: ___; Consummation Date: ___	Evidence of earlier borrower receipt was not found in file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	3	Important Notice to Homebuyer (92900-B) is missing.	-	The disclosure was not evidenced in the loan file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	3	FHA Informed Choice Disclosure is missing.	-	The disclosure was not evidenced in the loan file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	3	FHA - Real Estate Certification is not compliant.	-	The Real Estate Certification was not signed by the seller or agents.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	2	FHA - Real Estate Certification was provided at or after closing.	- Provided Date: ___; Consummation Date: ___	Evidence of earlier borrower receipt was not found in file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	3	FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.	-	The Final HUD Addendum was not signed by the lender.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Loan is uninsured FHA.
1450000126	1/30/2020	2	RESPA 2010 Estimate Available Through Date	RESPA (2010): GFE does not provide minimum ten (10) business day availability for estimate of charges and terms for all other settlement charges.				Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	2	RESPA 2010 GFE to Actual Interest Rate	RESPA (2010): Interest Rate on GFE does not match Note.				Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	2	RESPA 2010 GFE to Actual Loan Amount	RESPA (2010): Loan Amount on Final GFE does not match Note.				Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	2	RESPA 2010 GFE to Actual Payment	RESPA (2010): Initial payment on GFE does not match actual payment on loan.				Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	1	RESPA Initial Escrow Account Disclosure Compliant Test	RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure.				Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	2	RESPA Initial Escrow Account Disclosure Timing Test	RESPA: Initial escrow account statement was not provided to the borrower within 45 calendar days of closing.	The Initial Escrow Statement in file is dated 5/XX/2014 and the Note date is 8/XX/2013.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000126	1/30/2020	3	Aged document: Primary Valuation is older than guidelines permit	- ___	The appraisal expired 7/XX/13 and no updated appraisal was evidenced in the loan file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue is related to the known defect.
1450000126	1/30/2020	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Calculated investor qualifying total debt ratio of 52.01352% exceeds AUS total debt ratio of 52.01000%.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is 6 years old.
1450000125	2/11/2020	1	Missing Document: Fraud Report not provided					Reviewer Comment (2020-02-11): Received Fraud report. Condition cleared. Seller Comment (2020-02-10): fraud report
1450000125	2/11/2020	3	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - uninsured
1450000125	2/11/2020	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - uninsured
1450000125	2/11/2020	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured					Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - stated defect
1450000125	2/11/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - UNINSURABLE. The loan closed without sufficiently documenting and overturning a previous MCR filed by another lender. HUD noted that the W2 provided did not support bonus income used to qualify. The employer also stated the bonus is not reflected in the W2 wages and is an undocumented gift from employer. After removing the bonus income, new DTI is 62.34%. ... FHA Connection Case Query Results shows the Orignator as XXX instead of XXX. 2018 W2 reflects a a total income of $57,766.47 ($59,600 for salary) and the WVOE reflects a total income of $67,550, the difference of $9,150.00 is noted on the WVOE as a bonus. The bonus income is not being reported to IRS as income.			Reviewer Comment (2020-01-30): Client acknowledges the condition Buyer Comment (2020-01-28): Acknowledged
1450000125	2/11/2020	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - uninsured
1450000125	2/11/2020	3	FHA MIP Error: Missing evidence of case number assignment date.		Evidence of the case number assignment date was not provided in the file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - uninsured
1450000125	2/11/2020	3	FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.	-	The Final HUD Addendum to the Loan Application is missing the lender's signature.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - uninsured
1450000125	2/11/2020	1	FHA Case Number Assignment Date Without MI Impact	FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.	Evidence of the FHA case # assignment date was not provided in the file.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - uninsured
1450000125	2/11/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	FHA Connection reflects a different originator than the originator the closed the loan.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - uninsured
1450000125	2/11/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - accept dil desig
1450000125	2/11/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Calculated investor qualifying total debt ratio of 50.85624% exceeds QM Guideline total debt ratio of 43.00%.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - priced as atr fail
1450000125	2/11/2020	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	The file was missing a copy of the Homeownership Counseling disclosure or proof of the borrower's receipt within 3 days of originator application date.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - 1
1450000125	2/11/2020	2	TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien	TRID Final Closing Disclosure 04/XX/2019 on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.)	The Final CD did not disclose seller paid fees. The Seller's CD was not provided in the file.		4/XX/2020	Reviewer Comment (2020-01-29): Client elected to waive exception. Buyer Comment (2020-01-28): Waived - seller pd
1450000125	2/11/2020	3	Overtime Bonus Method of Calculation	Qualified Mortgage (Dodd-Frank 2014): Significant income variation requires a period of more than two (2) years when calculating the average Overtime/Bonus income.	The lender used 1 year + YTD average to calculate the borrower's bonus income. Due to large variation between the YTD and 1 year amounts, the more conservative method would been the 2 year average.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - priced as atr fail
1450000125	2/11/2020	2	Federal Flood Disclosure Timing	FDPA Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing.	The Notice of Special Flood Hazard Disclosure was issued within 10 days prior to closing.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - 2
1450000124	2/4/2020	1	Missing Document: AUS not provided		AUS in file is post dated. Origination AUS is missing.			Reviewer Comment (2020-02-04): Lender provided copy of aus. Seller Comment (2020-02-03): Please advise exactly which submission you are needing. The final AUS submission #5 was printed on the closing date. I've attached also Sumbission #3 printed on August XX, 2019. Seller Comment (2020-01-30): Per your request plese see attached. If you require anything further, please be specific with date and submission number that you are looking for.
1450000124	2/4/2020	1	Missing Document: Bankruptcy Documents not provided		File is missing the bankruptcy documents.			Reviewer Comment (2020-02-03): BK discharge provided exception cleared Seller Comment (2020-01-30): Per your request, please see attached
1450000124	2/4/2020	3	Public Records/Collections/Charge Off does not meet guidelines.	-	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-30): Waived - priced as atr fail
1450000124	2/4/2020	2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided - Lease for multi unit properties not provided.			Reviewer Comment (2020-01-30): Client acknowledges the condition Buyer Comment (2020-01-30): Acknowledged
1450000124	2/4/2020	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		Hazard Insurance Coverage Amount is insufficient by $XXX.			Reviewer Comment (2020-02-03): After further review exception cleared Seller Comment (2020-01-30): The Note is for $XXX and the Dwelling coverage on the attached insurance policy is for $XXX - please explain why you think it is insufficient.
1450000124	2/4/2020	2	There is no dollar amount noted on the title policy.		The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-30): Waived - AMC DD Level 2
1450000124	2/4/2020	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	Lease for multi unit properties not provided. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-30): Waived - stated defect
1450000124	2/4/2020	3	There are more than ten loans excluding the primary residnce for one of the borrowers, which exceeds guideline allowance.	-	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-30): Waived - stated defect/priced as atr fail
1450000124	2/4/2020	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Lease for multi unit properties not provided. Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-30): Waived - stated defect/priced as atr fail
1450000123	1/30/2020	3	Rental Income Documentation - 25% Method	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement not provided or % of gross rents used is greater than 75%.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - priced as atr fail
1450000123	1/30/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) per Mavent			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - accept dil desig
1450000123	1/30/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - priced as atr fail
1450000122	1/30/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - accept dil desig
1450000122	1/30/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - priced as atr fail
1450000122	1/30/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Miscalculation of the borrower's income. However, it was a simple filing error with the IRS that has since been rectified to match the underwrite.			Reviewer Comment (2020-01-30): Client acknowledges the condition Buyer Comment (2020-01-28): Acknowledged
1450000122	1/30/2020	3	AUS Findings: Combined High loan to value discrepancy.	Calculated high loan to value percentage of ___ exceeds AUS high loan to value percentage of ___	This is a HomeStyle Renovation loan that had a purchase price of $XXX, appraised value of $XXX and a loan amount of $XXX. AUS reflects sales price of $XXX.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - bpo
1450000122	1/30/2020	3	AUS Findings: Combined loan to value discrepancy.	Calculated combined loan to value percentage of ___ exceeds AUS combined loan to value percentage of ___.	This is a HomeStyle Renovation loan that had a purchase price of $XXX, appraised value of $XXX and a loan amount of $XXX. AUS reflects sales price of $XXX.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - bpo
1450000122	1/30/2020	3	AUS Findings: Loan to value discrepancy.	Calculated loan to value percentage of ___ exceeds AUS loan to value percentage of ___.	This is a HomeStyle Renovation loan that had a purchase price of $XXX, appraised value of $XXX and a loan amount of $XXX. AUS reflects sales price of $XXX.			Reviewer Comment (2020-01-30): Client elected to waive the condition Buyer Comment (2020-01-28): Waived - bpo
1450000121	2/4/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-02-04): Client acknowledges the condition Buyer Comment (2020-02-03): Acknowledged
1450000121	2/4/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000121	2/4/2020	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,300.00 exceeds tolerance of $750.00 plus 10% or $825.00. Insufficient or no cure was provided to the borrower.	10% tolerance was exceeded by $475.00. No valid COC provided, nor evidence of cure in file.		11/XX/2019	Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000121	2/4/2020	3	Loan Guaranty Certificate is missing.	-				Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Issue doesn't impact XXX's ability to purchase this loan as it is priced as being uninsured.
1450000121	2/4/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - Repurchased loan. This loan is uninsurable due to the borrower have zero entitlement. No VA guarantee. ****Per homeloans.va.gov site, the County Guaranty Limit for XXX, AZ is $XXX, x 25% comes out to $XXX. The borrower has previously used entitlement of $XXX which leaves $XXX left over. The maximum guaranty/entitlement is limited to $XXX for loans that are less than or equal to $XXX therefore this borrower did have entitlement to be used for this transaction.			Reviewer Comment (2020-02-04): Client acknowledges the condition Buyer Comment (2020-02-03): Acknowledged
1450000121	2/4/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000120	2/11/2020	3	Missing Document: Note - Subordinate Lien not provided					Reviewer Comment (2020-02-11): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-10): Waived - Issue doesn't impact XXX's ability to purchase this loan. Reviewer Comment (2020-02-06): Note for $XXX XXX received. However, still need the XXX Note for $XXX. Per final CD Seller Comment (2020-02-05): 2nd lien note
1450000120	2/11/2020	1	TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $154.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing.	Sufficient cure of $55.00 was provided to the borrower at Closing.		5/XX/2019
1450000120	2/11/2020	2	Due diligence results confirm loan defect provided		Due diligence results confirm loan defect provided - Repurchased loan. XXX (has a suborinated 2nd). Repurchase was required due to EPD. Borrower was 120+ but brought current Mar 2019 and been current since. Pay history in file confirms the delinquencies.			Reviewer Comment (2020-02-03): Client acknowledges the condition Buyer Comment (2020-02-03): Acknowledged
1450000120	2/11/2020	2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		Hazard Insurance policy lists "XXX", Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-02-03): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000119	2/4/2020	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000119	2/4/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000119	2/4/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000119	2/4/2020	1	QM Points and Fees	Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	Points and Fees are in excess by $XXX. Allowable 3% has been exceeded.			Reviewer Comment (2020-02-20): Itemization used to apply general lender credit to Underwriting Fee. Offset clears QM Points and fees exception. Seller Comment (2020-02-14): Points & Fees Calc
1450000119	2/4/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed :Unsalable loan-Closed with a Refer AUS			Reviewer Comment (2020-02-04): Client acknowledges the condition Buyer Comment (2020-02-03): Acknowledged
1450000119	2/4/2020	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	The earliest List of Homeownership Counseling Organizations in the file reflects 08/XX/2019 which is the application date for the lender. This disclosure was not provided within 3 days of the broker application, 8/XX/2019.			Reviewer Comment (2020-02-04): Client elected to waive the condition Buyer Comment (2020-02-03): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000118	2/6/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of VA Safe Harbor QM.			Reviewer Comment (2020-02-06): Client acknowledges the condition Buyer Comment (2020-02-06): Acknowledged
1450000118	2/6/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-06): Client elected to waive the condition Buyer Comment (2020-02-06): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000118	2/6/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Lender requested a refund on 1/XX/2020. The refund reason provided as 'Loan did not close'.			Reviewer Comment (2020-02-06): Client elected to waive the condition Buyer Comment (2020-02-06): Waived - Loan priced and purchased as being VA uninsured
1450000118	2/6/2020	3	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.	Most Recent Valuation Inspection Date: ___ Disaster End Date: ___ Disaster Name: ___ Disaster Declaration Date: ___	The property is located in XXX, FL. Provide a post-disaster inspection verifying there was no damage from Hurricane Irma. The inspection must include exterior photos and the property must be re-inspected on or after 9/XX/2017 declared end date.			Reviewer Comment (2020-02-06): Client elected to waive the condition Buyer Comment (2020-02-06): Waived - Diligence BPO dated 1/XX/20 shoes no damage.
1450000118	2/6/2020	1	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		HOI coverage is insufficient by $XXX. Coverage must be at least the lessor of the Cost new from the appraisal or the loan amount. Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.			Reviewer Comment (2020-02-10): Received RCE. Condition cleared. Seller Comment (2020-02-07): replacement cost estimator Reviewer Comment (2020-02-06): Reviewed the HOI, Dwelling replacement cost answered Yes, does not provide evidence of guaranteed replacement cost. Only up coverage amount of $XXX listed on policy. Exception remains. A Replacement cost estimator may be used as well to determine cost to build. Seller Comment (2020-02-06): The attached HOI shows that the policy includes replacement cost coverage.
1450000118	2/6/2020	3	Loan Guaranty Certificate is missing.	-				Reviewer Comment (2020-02-06): Client acknowledges the condition Buyer Comment (2020-02-06): Acknowledged
1450000118	2/6/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed. - borrower didn't have VA benefits so we couldn't insure it. ... Report of Separation and Record of Service reflects the minimum of 6 years of Selected Service required for Reservists to qualify for VA Benefits, including honorable discharge. Borrower re-enlisted for an additional 2 years of Selected Service as a Reservist. The Certificate of Eligibility reflects the borrower's entitlement of $XXX. The servicer requested a refund of the Funding on 1/XX/2020 and provided the reason as Loan did not close.			Reviewer Comment (2020-02-06): Client acknowledges the condition Buyer Comment (2020-02-06): Acknowledged
1450000052	2/5/2020	2	Due diligence results confirm loan defect provided		Client did not identify a defect			Reviewer Comment (2020-02-05): Client elected to waive the condition Buyer Comment (2020-02-05): Waived - There was no known defect on this loan.
1450000052	2/5/2020	1	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		Loan is no longer agency eligible - please advise which guidelines are applicable. Hazard Insurance Policy does not list "Lender its successors and assigns".			Reviewer Comment (2020-02-18): Received corrected policy. Condition cleared. Seller Comment (2020-02-14): see attached
1450000052	2/5/2020	3	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 08/XX/2019 disclosed a Finance Charge that does not match the actual finance charge for the loan.	Disclosure reflects Amount Financed of $XXX but calculated Amount Financed of $XXX Variance = $XXX		8/XX/2022	Reviewer Comment (2020-02-12): Client elects to waive condition. Reviewer Comment (2020-02-12): Fee included in APR testing equal $5769.06, which include Attorney's fee of $550.00. Cure required for under disclosure of $102.68. Seller Comment (2020-02-11): see attached
1450000052	2/5/2020	2	TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 24,777.48 on Final Closing Disclosure provided on 08/XX/2019 not accurate.	The final CD disclosed the Amount of Total Property Costs over Year 1 as $0.00 on page 4; however the monthly lease payment ($2064.79) and homeowners insurance ($1317.00) total are $26,094.48 per year. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.		8/XX/2020	Reviewer Comment (2020-02-05): Client elected to waive the condition Buyer Comment (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000052	2/5/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for CO-OP Charges to Board Packager. Fee Amount of $157.50 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing.		8/XX/2020	Reviewer Comment (2020-02-05): Client elected to waive the condition Buyer Comment (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000052	2/5/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Payoff Statement Fee. Fee Amount of $550.00 exceeds tolerance of $500.00. Insufficient or no cure was provided to the borrower.	PayOff Attorney Fee disclosed was last disclosed as $500.00 on LE but disclosed as $550.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.		8/XX/2020	Reviewer Comment (2020-02-05): Client elected to waive the condition Buyer Comment (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000052	2/5/2020	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.				Reviewer Comment (2020-02-05): Client elected to waive the condition Buyer Comment (2020-02-05): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000051	2/6/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing.		9/XX/2020	Reviewer Comment (2020-02-06): Client elected to waive the condition Buyer Comment (2020-02-06): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000051	2/6/2020	2	Due Diligence results do not confirm loan defect provided		The defect reason provided on tape has not been confirmed - New debt opened - DTI now 58.75% no longer qualifies. ***The loan file does not contain evidence of a new debt being opened by the borrower. The most recent Credit Supplement provided in the loan file is dated 8/XX/2019 and is only an update to the mortgage payment history.			Reviewer Comment (2020-02-06): Client acknowledges the condition Buyer Comment (2020-02-06): Acknowledged
1450000050	2/7/2020	2	Due Diligence results do not confirm loan defect provided		Due Diligence r esults do not confirm loan defect provided - DTI exceeds 43% - SSI income calculated incorrectly (grossed up more than permitted) actual DTI is 45.79%. Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-02-07): Client acknowledges the condition Buyer Comment (2020-02-06): Acknowledged - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000049	1/29/2020	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2020-01-29): Client provided servicing comments for the client's review and analysis.
1450000049	1/29/2020	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2020-01-29): Loan is insured - evidence of active MI provided. Buyer Comment (2020-01-17): Loan is insured, please capture MI info.
1450000049	1/29/2020	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2020-01-29): Loan is insured - evidence of active MI provided. Buyer Comment (2020-01-17): Loan is insured
1450000049	1/29/2020	3	Current Total Debt Ratio exceeds 50% guideline maximum.	Current Total Debt Ratio: ___	The Post Close Credit Report reflects the borrower has incurred additional installment debt since closing and report 30- day lates as recently as September 2019.
1450000048		1	Hazard Insurance Policy expires within 90 days of the Note Date.	Hazard Insurance Policy Expiration Date ___, Note Date ___
1450000048		1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2020-01-29): Loan was insured at time of origination - MI since cancelled due to reaching auto- cancellation LTV. Buyer Comment (2020-01-17): Loan reached pmi auto termination date on 12/XX/17. we received a refund from XXX in the amount of $23.10 on 12/XX/17. We then sent the $23.10 back to the borrower on 12/XX/17
1450000048		1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2020-01-29): Loan was insured at time of origination - MI since cancelled due to reaching auto- cancellation LTV. Buyer Comment (2020-01-17): Loan reached pmi auto termination date on 12/XX/17. we received a refund from XXX in the amount of $23.10 on 12/XX/17. We then sent the $23.10 back to the borrower on 12/XX/17
1450000048		3	Current Total Debt Ratio exceeds 50% guideline maximum.	Current Total Debt Ratio: ___	The Post Close Credit Report reflects total consumer debt of $1,918.00 resulting in a POST DTI of 83.67%.
1450000048		1	TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $125.00 exceeds tolerance of $90.00 plus 10% or $99.00. Sufficient or excess cure was provided to the borrower at Closing.	10% tolerance was exceeded by $26.00 due to addition of Title Search Fee. No valid COC provided, cure provided at closing.		6/XX/2017
1450000048		1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.80 exceeds tolerance of $75.00. Sufficient or excess cure was provided to the borrower at Closing.	Fee disclosed was last disclosed as $75.00 on LE but disclosed as $80.80 on Final Closing Disclosure. File does not contain a valid COC for this fee, cure provided at closing.		6/XX/2017
1450000048		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing.	Excessive DTI of 41.71% exceeds the DU approved DTI of $37.73% due to an undisclosed debt for the borrower.
1450000048		3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Added debt for XXX @ $152 per month, for the borrower resulting in the DTI exceeding the DU approved DTI resulting in 41.717%.
1450000048		1	Missing Document: Servicing Comments not provided					Reviewer Comment (2020-01-29): Client provided servicing comments for the client's review and analysis.
1450000047		3	Insufficient Coverage: Hazard insurance coverage amount is insufficient.		HOI coverage is insufficient by $XXX			Reviewer Comment (2020-01-28): Lender provided a copy of current policy. Lender needs to provide proof of the policy at the time of close that had sufficient coverage or a replacement cost estimate that supports the coverage provided. Exception remains.
1450000047		3	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.					Reviewer Comment (2020-01-28): Lender provided letter that the mi would be refunded to account but did not provide proof this was done. Lender to provide proof of mi being refunded to borrower through principal reduction. Exception remains. Buyer Comment (2020-01-17): Loan is uninsured
1450000047		3	Borrower is not currently employed.	-	VVOE completed 8/XX/17 states borrower is no longer employed by qualifying employer. This was also the stated defect for the loan.			Reviewer Comment (2020-02-04): Stated defect
1450000047		1	Public Record Issue:	-
1450000047		1	Closing Disclosure Subject Address does not match Note address.	-	CD with issue date 8/XX/17, page 1 reflects property zip code as XXX and property zip code on Note is XXX. Zip code was corrected to match Note zip code on final CD issued 8/XX/17.			Reviewer Comment (2020-01-28): Lender corrected zip code on final cd.
1450000047		3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2020-01-28): Loan had mi at the time of close. Lender to provide a copy of the mi certificate. Exception remains. Buyer Comment (2020-01-17): Loan is uninsured
1450000047		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent and Other). Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Cure for Title - Attonrey fee of $500.00 was not provided and fee is not paid to provider for other title fees listed in Section C of the Loan Estimate.		8/XX/2018
1450000047		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Cure for Reinspection fee of $125.00 was not provided.		8/XX/2018
1450000047		1	Rate Set Date Not Provided	Last Date Rate Set and Initial Rate Lock Date not provided. Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing.	No rate lock information found in file.
1450000047		1	Illinois SB 1894	IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.	Document is missing.			Reviewer Comment (2020-01-28): Lender provided certificate of compliance.
1450000047		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2017 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Seller CD contains additional seller fees not disclosed on Final CD.		8/XX/2018	Reviewer Comment (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A
1450000047		2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $80.50 exceeds tolerance of $80.00. Insufficient or no cure was provided to the borrower.	Cure for Credit report fee of $.50 was provided and evidenced in the Calculating Cash to Close section of the final CD.		8/XX/2018
1450000047		2	ECOA Receipt of Appraisal after Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.	There is no evidence that the borrower received a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing.
1450000047		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA.
1450000047		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.	Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.
1450000047		1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000047		1	Missing Document: Servicing Comments not provided					Reviewer Comment (2020-01-28): Lender provided comments.
1450000046	1/27/2020	1	Missing Document: AUS not provided		The AUS from closing was not provided in the file.			Reviewer Comment (2020-01-27): Lender provided aus.
1450000046	1/27/2020	3	Missing Document: Servicing Comments not provided
1450000046	1/27/2020	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000046	1/27/2020	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.					Reviewer Comment (2020-01-27): Loan is uninsured. Lender provided proof of refund. Buyer Comment (2020-01-16): Loan is uninsured.
1450000046	1/27/2020	1	Guideline Issue: Insufficient asset documentation.	-	Only 1 month Checking Account statement provided in the file.			Reviewer Comment (2020-01-27): AUS reflects only one statement needed if previous balance reflected.
1450000046	1/27/2020	1	Patriot Act Disclosure is missing	-				Reviewer Comment (2020-01-27): Lender provided copy of disclosure.
1450000046	1/27/2020	1	Missing Document: Approval not provided					Reviewer Comment (2020-01-27): Lender provided copy of approval.
1450000046	1/27/2020	3	Guideline Requirement: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___.	Calculated investor qualifying total debt ratio of 51.72005% exceeds Guideline total debt ratio of 50.00000%.
1450000046	1/27/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Calculated investor qualifying total debt ratio of 51.72005% exceeds Guideline total debt ratio of 50.00%.
1450000046	1/27/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Fails QM Testing.	Because loan is no longer deemed an AUS approved agency salable loan, the loan designation determined by the review is Fails QM Testing.
1450000046	1/27/2020	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Calculated investor qualifying total debt ratio of 51.72005% exceeds AUS total debt ratio of 46.52%
1450000045		3	Missing Document: Servicing Comments not provided
1450000045		3	Public Records/Collections/Charge Off does not meet guidelines.	-	Foreclosure appears on Fraud Report occurred within the 7 year guideline. This was also the disclosed loan defect.
1450000044	1/30/2020	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2020-01-30): Lender provided servicing comments.
1450000044	1/30/2020	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.					Reviewer Comment (2020-01-16): Per the Client, the loan is not insured. Buyer Comment (2020-01-09): VA will notify the borrower per new VA rules. The Borrower is VAFF exempt per the COE already in file.
1450000044	1/30/2020	3	NPMA-33 Wood Destroying Insect Inspection Report is missing.	-				Reviewer Comment (2020-01-16): An email from the lender is not sufficient to waive this - would need something from VA - condition remains open.
1450000044	1/30/2020	1	Loan Guaranty Certificate is missing.	-				Reviewer Comment (2020-01-16): per the client the loan is not insured - there will be no LGC Buyer Comment (2020-01-09): Loan is uninsured.
1450000044	1/30/2020	2	Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.
1450000044	1/30/2020	1	Pay History -					Reviewer Comment (2020-01-16): Updated pay history was provided on 01/XX/2020.
1450000044	1/30/2020	1	VA residual income requirement not met.					Reviewer Comment (2020-01-30): Our calculation was double counting the gross up amount for ssi. Reviewer Comment (2020-01-16): Nothing new provided with regards to residual - our calcs are gross mo income of $7261.50 less grossed up income of 1452.30 less primary PITIA of 2056.13 less non REO liab of 1674.00 less estimated maint of 147.84 less taxes of 1452.30 == residual of only $478.93. Condition remains open
1450000044	1/30/2020	3	VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%	Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.				Reviewer Comment (2020-02-04): Updated from: Origination Fee and/or Itemized Fees aned Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX. Reviewer Comment (2020-01-16): AMC sees notation of the orig fee, but this is referencing the orig. fee plus itemized fees and charges being over the limit - condition remains open.
1450000044	1/30/2020	2	RESPA Affiliated Business Arrangement Disclosure Compliant	RESPA Disclosure Rule: Creditor did not obtain signature on Affiliated Business Arrangement Disclosure.
1450000044	1/30/2020	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.			6/XX/2022
1450000043		1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000043		1	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2019-10-30): Per client, loan is not insured - there will be no MIC. Buyer Comment (2019-10-29): Loan is uninsured, not needed.
1450000043		1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-10-30): Per Client, the loan is not insured. Buyer Comment (2019-10-29): Loan is uninsured, please update info.
1450000043		1	Public Record Issue:	-
1450000043		3	Lead Based Paint Attachment - Attached to Purchase Contract is missing.	-
1450000043		1	Missing Document: Fraud Report not provided					Reviewer Comment (2019-10-30): Received Fraud Report
1450000043		1	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2019-10-30): Searches on the Fraud Report.
1450000043		1	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2019-10-30): Searches on the Fraud Report.
1450000043		3	AUS Findings: All conditions were not met		Missing 2nd appraisal required by HUD due to previous sale of the property within the last 12 months. This was also the stated defect reason.
1450000043		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Missing 2nd appraisal required by HUD due to previous sale of property within the last 12 months.
1450000043		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.	The Lender's Compliance Report reflects the loan was originated as Safe Harbor QM. Compliance was run using the loan designation of HUD Safe Harbor QM.
1450000043		1	New York High-cost Aggregate Payment Disclosure	New York High-Cost Loan: Borrower not provided with Aggregate Monthly Payment Disclosure statement.				Reviewer Comment (2019-11-01): Loan is not high cost.
1450000043		1	New York High-cost Consumer Caution	New York High-Cost Loan: Borrower not provided with Consumer Caution and Home Ownership Counseling Notice.				Reviewer Comment (2019-11-01): Loan is not high cost.
1450000043		1	New York High-cost Mortgage Legend Part 41 and 6-1	New York High-Cost Loan: Mortgage does not contain legend advising loan is high-cost.				Reviewer Comment (2019-11-01): Loan is not high cost.
1450000043		1	New York High-cost Shop Around Notice	New York High-Cost Loan: Mandatory "Shop Around" Notice not included on loan application to applicant.				Reviewer Comment (2019-11-01): Loan is not high cost.
1450000043		1	New York Points and Fees	New York Anti-Predatory Lending Statute: Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 6.00000% of the Total Loan Amount. Points and Fees total $XXX on a Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%). Non-Compliant High Cost Loan.				Reviewer Comment (2019-11-01): Seller paid attorney fee excluded from NY high cost fees.
1450000043		3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.
1450000043		3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.
1450000043		1	New York High-cost Counseling Lists	New York High-Cost Loan: List of Counselors not provided to borrower.	The file was missing a copy of the NY High Cost List of Counselors or proof the disclosure was provided to the borrower within 3 days of the originator application date.			Reviewer Comment (2019-11-01): Loan is not high cost.
1450000042	2/4/2020	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2020-02-04): Loan is still insured per lender. Buyer Comment (2020-01-30): This loan is insured and this is sufficient for XXX. Collect LGC info. Reviewer Comment (2020-01-23): Lender to provide current proof the loan is still insured. Exception remains. Buyer Comment (2020-01-13): Loan is insured, please capture MI info.
1450000042	2/4/2020	1	Loan was originated as VA insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2020-02-04): Loan is still insured per lender. Buyer Comment (2020-01-30): This loan is insured and this is sufficient for XXX. Collect LGC info. Reviewer Comment (2020-01-23): Lender to provide current proof the loan is still insured. Exception remains. Buyer Comment (2020-01-13): Loan is insured
1450000042	2/4/2020	1	Loan Guaranty Certificate is missing.	-				Reviewer Comment (2020-01-23): Lender provided a copy of the certificate. Buyer Comment (2020-01-13): Loan is insured, please capture MI info.
1450000042	2/4/2020	3	VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by borrower between the application date and the loan closing date.	- Originator App Date: ___ Creditor App Date: ___ Disclosure signed by Borrower: ___
1450000042	2/4/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $96.80 exceeds tolerance of $89.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		8/XX/2020	Reviewer Comment (2020-02-03): COC for the Points Increase is not dated within 3 business days of the Revised CD. COC dated 7/XX/2019 points increase on the 8/XX/2019 Initial CD Buyer Comment (2020-01-30): XXX will accept the copy of the check stub as proof the refund was issued to the borrower. it was clearly issued for this refund. Please clear. Reviewer Comment (2020-01-15): $7.80 Points exception is still outstanding unable to address this exception until Points exception is addressed. COC for the Points Increase is not dated within 3 business days of the Revised CD Additionally, lender needs to provided actual cure check for $294 received invoice but nothing identifies that this was for the borrower.
1450000042	2/4/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		8/XX/2020	Reviewer Comment (2020-02-03): Check stub has no identifying information to confirm it was made payable to the borrower - please provide copy of cancelled check or correspondence from borrower to confirm $294 cure was provided Buyer Comment (2020-01-30): XXX will accept the copy of the check stub as proof the refund was issued to the borrower. it was clearly issued for this refund. Please clear. Reviewer Comment (2020-01-15): $7.80 Points exception is still outstanding unable to address this exception until Points exception is addressed. COC for the Points Increase is not dated within 3 business days of the Revised CD Additionally, lender needs to provided actual cure check for $294 received invoice but nothing identifies that this was for the borrower.
1450000042	2/4/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Release Tracking Fee. Fee Amount of $194.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		8/XX/2020	Reviewer Comment (2020-02-03): Check stub has no identifying information to confirm it was made payable to the borrower - please provide copy of cancelled check or correspondence from borrower to confirm $294 cure was provided Buyer Comment (2020-01-30): XXX will accept the copy of the check stub as proof the refund was issued to the borrower. it was clearly issued for this refund. Please clear. Reviewer Comment (2020-01-15): $7.80 Points exception is still outstanding unable to address this exception until Points exception is addressed. COC for the Points Increase is not dated within 3 business days of the Revised CD Additionally, lender needs to provided actual cure check for $294 received invoice but nothing identifies that this was for the borrower.
1450000042	2/4/2020	1	TRID Final Closing Disclosure Homeowner's Insurance Premium Months	TILA-RESPA Integrated Disclosure - Other Costs: Final Closing Disclosure provided on 08/XX/2019 disclosed homeowner's insurance under Prepaids that does not match amount per month calculation.	Section F Prepaids of the Final CD disclosed the 12 month Homeowner's Insurance Premium as $1,012.42 and Section G disclosed a per month calculation of $83.37 or $1,000.44 for 12 months.		8/XX/2020	Reviewer Comment (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A
1450000042	2/4/2020	1	TRID Final Closing Disclosure Without Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% and/or 10% tolerance violations in the amount of $301.80 was not provided. Provide a post-close CD disclosing the tolerance cure of $301.80 copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		8/XX/2020	Reviewer Comment (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A
1450000042	2/4/2020	3	VA Addendum to the Loan Application 26-1802a is not compliant. To be compliant, this form must be signed by Lender between the application date and the loan closing date.	- Originator App Date: ___ Creditor App Date: ___ Disclosure signed by Lender: ___
1450000041	12/20/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-12-20): Loan is uninsured. No MI collected at close. Buyer Comment (2019-12-19): Loan is uninsured.
1450000041	12/20/2019	3	Patriot Act Disclosure is missing	-	The loan file did not provide evidence of delivery for the Patriot Act Disclosure.			Reviewer Comment (2019-12-20): Lender provided customer identification verification completed at close. Lender needs to provide Patriot Act Disclosure sent to borrower at time of application. Exception remains.
1450000041	12/20/2019	3	Income Docs Missing:	- ___	The loan file did not provide verification of employment for prior employers.			Reviewer Comment (2019-12-20): Lender provided post close verification of employment for previous employers. Exception is for missing the 2018 transcripts. Exception remains.
1450000041	12/20/2019	2	TRID Interim Closing Disclosure Timing	TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on 04/XX/2019 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation	The change in APR was not provided to the borrower within three business days prior to close. This was also one of the disclosed defect reasons.		4/XX/2020
1450000041	12/20/2019	1	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-474.24 is less than amount of binding Lender Credit previously disclosed in the amount of $-475.00.	No evidence of a cure was provided for exceeding the tolerance of the lender credit.		4/XX/2020	Reviewer Comment (2019-12-23): The $71.25 cure provided at closing included the cure for the lender credit.
1450000041	12/20/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $425.00 exceeds tolerance of $375.00. Sufficient or excess cure was provided to the borrower at Closing.	The loan file provided no evidence of a cure in the amount of $50 for exceeding the tolerance of the Appraisal Fee.		4/XX/2020
1450000041	12/20/2019	1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $70.49 exceeds tolerance of $50.00. Sufficient or excess cure was provided to the borrower at Closing.	The loan file provided no evidence of a cure in the amount of $20.49 for exceeding the tolerance of the Credit Report Fee.		4/XX/2020
1450000041	12/20/2019	3	Missing Document: Servicing Comments not provided
1450000041	12/20/2019	1	Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided		1008 in file is post dated and incorporates Post Closing WVOE information.			Reviewer Comment (2019-12-20): Lender provided 1008.
1450000041	12/20/2019	2	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.
1450000040	10/21/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.		Provide proof the borrower was refunded all monthly MI premiums and any upfront MI paid, or proof the loan is still insured.			Reviewer Comment (2019-10-21): Loan is insured - evidence of active MI provided. Buyer Comment (2019-10-17): MI is active, please collect MI info.
1450000040	10/21/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-10-21): Loan is insured - evidence of active MI provided. Buyer Comment (2019-10-17): MI is active, please collect MI info.
1450000040	10/21/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing.	The Lender's Compliance Report reflects the loan was presumed Qualified Mortgage and not High Priced at origination. Compliance was run using the Loan Designation of Temporary SHQM (GSE/Agency Eligible).
1450000040	10/21/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Calculated investor qualifying total debt ratio of 46.60842% exceeds AUS total debt ratio of 46.000%. The lender used a lower monthly amount for taxes ($251) and insurance ($25) as opposed to the final actual monthly figures of $276.16 for taxes and $29.25 for Hazard insurance.
1450000040	10/21/2019	3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Calculated investor qualifying total debt ratio of 46.60842% exceeds AUS total debt ratio of 46.000%. The lender used a lower monthly amount for taxes ($251) and insurance ($25) as opposed to the final actual monthly figures of $276.16 for taxes and $29.25 for Hazard insurance.
1450000040	10/21/2019	3	Credit Exception:		No MI. The result on the Loan Prospector findings was Caution. The borrower had a short-sale on 5/XX/2016. Freddie Mac requires 7 years from the date of the incident and Fannie Mae requires 4 years or 2 years with extenuating circumstances. This was also the disclosed defect reason.
1450000039		3	Missing Document: Servicing Comments not provided
1450000039		1	FHA - Real Estate Certification is not compliant.	-	The FHA - Real Estate Certification is missing the Seller's and the Real Estate Broker's signatures.			Reviewer Comment (2019-12-16): Received - is a part of a the sales contract addendum.
1450000039		1	FHA - Amendatory Clause is not compliant.	-	The FHA - Amendatory Clause is missing the Seller's signature.			Reviewer Comment (2019-12-16): Received - is a part of a the sales contract addendum.
1450000039		1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000039		1	Case # Assignment does not indicate "All borrowers passed SSN validation".					Reviewer Comment (2019-12-16): Lender provided updated case query. Buyer Comment (2019-12-13): Uninsured loan
1450000039		1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.					Reviewer Comment (2019-12-16): Per client, loan is not insured. Buyer Comment (2019-12-13): Uninsured loan
1450000039		2	Hazard Insurance policy does not list "Lender its successors and assigns", per guideline requirements.		HOI policy provide reflects incorrect mortgagee clause. Lender to provide updated policy reflecting "Lender its successors and assigns"
1450000039		3	Current Total Debt Ratio exceeds 50% guideline maximum.	Current Total Debt Ratio: ___	The Post Close Credit Report reflects the borrower has incurred additional revolving and installment debt since closing.
1450000039		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	The Lender used part-time income with less than 2 year employment to qualify. This was also the disclosed loan defect.
1450000039		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Fails QM Testing.	The loan designation determined by the review is Fails QM Testing, which differs from the originator's designation of HUD Safe Harbor QM.
1450000039		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 06/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure of $125.00 was reflected, which is insufficient to cure $425.00. Provide a post-close CD disclosing the tolerance cure of $425.00 a copy of the refund check for remaining cure of $300.00, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		6/XX/2020	Reviewer Comment (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A
1450000039		1	TRID Settlement Service Provider Status	TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.	The file was missing a copy of the Settlement Service Provider List disclosure provided to the borrower within three business days of the Originator's application date.		6/XX/2020	Reviewer Comment (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A
1450000039		1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, cure provided at closing.		6/XX/2020	Reviewer Comment (2019-12-16): Exception cleared new exception set for Post Close CD Buyer Comment (2019-12-13): Cured at closing, please remove
1450000039		1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure ..		6/XX/2020	Reviewer Comment (2019-12-16): Exception cleared new exception set for Post Close CD
1450000039		1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure ..		6/XX/2020	Reviewer Comment (2019-12-16): Exception cleared new exception set for Post Close CD
1450000039		3	AUS Findings: Investor qualifying total debt ratio discrepancy.	Calculated investor qualifying total debt ratio of ___ exceeds AUS total debt ratio of ___.	Income from a 2nd job was used by the lender in qualifying the borrower however it was less than 2 years worth. When the 2nd job income was removed, this resulted in a 59.5279% DTI. This was also the disclosed defect issue.
1450000039		2	TRID Post Close Closing Disclosure Evidence Principal Reduction Applied to Loan	Principal reduction not applied to tolerance cure due to missing evidence of applying principal reduction to the loan.	Pay history required to confirm $300 principle reduction applied.		6/XX/2020
1450000039		1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower.	Corrected CD, LOE provided Pay history required to confirm $300 principle reduction applied.		6/XX/2020
1450000039		1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee. Fee Amount of $200.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower.	Corrected CD, LOE provided Pay history required to confirm $300 principle reduction applied.		6/XX/2020
1450000039		1	TRID Zero Percent Tolerance Violation With Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Insurance Binder Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower.	Corrected CD, LOE provided Pay history required to confirm $300 principle reduction applied.		6/XX/2020
1450000038		3	Missing Document: Fraud Report not provided
1450000038		1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured
1450000038		1	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2020-02-04): Loan not insured per lender. Buyer Comment (2020-01-30): No MI, this is not needed. CLEAR. THIS. Reviewer Comment (2020-01-23): The loan closed with MI insurance. Lender to provide a copy of the certificate. Exception remains. Buyer Comment (2020-01-13): Not needed, loan is not insured.
1450000038		1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.					Reviewer Comment (2020-02-04): Loan not insured per lender. Pay history in file reflects refund of mi premium. Buyer Comment (2020-01-30): XXX confirmed full refund, this is sufficient for AMC. Please clear this. Reviewer Comment (2020-01-23): Lender to provide pccd reflecting refund of mi with loe to the borrower, proof of mailing and copy of check. Exception remains.
1450000038		1	Patriot Act Disclosure is missing	-				Reviewer Comment (2020-01-23): Lender provided disclosure.
1450000038		1	FHA - Final HUD Addendum to the Loan Application 92900-A is not compliant.	-	The FHA - Final HUD Addendum to the Loan Application 92900-A is missing the lender's signature.			Reviewer Comment (2020-01-23): Lender provided lender signed copy.
1450000038		3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	The Initial Closing Disclosure was not provided to Borrower(s) at least three (3) business days prior to closing.
1450000038		3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Fails QM Testing.	The Lender's Compliance Report/High Cost Analysis reflects the loan was presumed to be FHA and High-Priced at origination. Compliance was run using the Loan Designation of HUD Rebuttable Presumption QM.
1450000038		1	HUD QM Points and Fees	HUD Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of XXX% is in excess of the allowable maximum of 3.00000% of the Federal Total Loan Amount. Points and Fees total $XXX on a Federal Total Loan Amount of $XXX vs. an allowable total of $XXX (an overage of $XXX or XXX%).	QM Points and Fees threshold exceeded by $XXX or XXX%. Lender to issue refund of overage to borrower. Lender to provide copy of refund check and proof of delivery. Provide payment history of loan verifying loan is not 60 days delinquent.			Reviewer Comment (2020-01-23): Lender provided pccd, copy of check and proof of mailing.
1450000038		1	TRID Final Closing Disclosure Closing Date	TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on 08/XX/2019 disclosed a Closing Date that did not match the actual date of consummation.	The final Closing Disclosure reflects a Closing Date of 8/XX/2017 but the transaction consummation mortgage notary date was 8/XX/2017 Provide a post-close CD and a copy of the letter of explanation to the borrower disclosing the changes made.		8/XX/2020	Reviewer Comment (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A
1450000038		1	TRID Final Closing Disclosure With Seller - Total Closing Costs Exceeds Limits	TILA-RESPA Integrated Disclosure - Calculating Cash to Close: Final Closing Disclosure provided on 08/XX/2019 disclosed an inaccurate value of the dollar amount by which the Total Closing Costs exceeded the legal limit.	Cure for 0% and/or 10% tolerance violations in the amount of $100.00 was not provided. Provide a post-close CD disclosing the tolerance cure of $100.00 copy the refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		8/XX/2020	Reviewer Comment (2019-12-12): Removed from scope based on SFA Grid 3.0. Exception regraded to EV1-A
1450000038		2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Evidence of earlier borrower receipt was not found in file.		8/XX/2020
1450000038		1	TRID Seller Closing Disclosure Contains Fees not reflected on Consumer's Final Closing Disclosure	TILA-RESPA Integrated Disclosure: the Seller's final CD contained fees not reflected on the consumer's CD.	TRID non-compliant. Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure. Seller's CD shows $18,737.25 in seller paid closing costs, borrower's final CD shows $15,294.00 Provide a post-close CD correcting the seller paid fees and a copy of the letter of explanation to the borrower disclosing the changes made.		8/XX/2020	Reviewer Comment (2020-01-15): Seller PAD fee - confirmed from Final SS that the fee was not imposed
1450000038		1	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Wire / Funding / Disbursement Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		8/XX/2020	Reviewer Comment (2020-01-15): fee paid to borrower provider
1450000038		1	TRID Final Closing Disclosure PAD Fee	TILA-RESPA Integrated Disclosure - Loan Costs: Final Closing Disclosure provided on 08/XX/2019 disclosed a Pad fee that was not allocated to a specific cost or service performed.	The Seller's CD disclosed a Title - PAD fee of $100.00 without disclosing cost or service performed.		8/XX/2020	Reviewer Comment (2020-01-15): Seller PAD fee - confirmed from Final SS that the fee was not imposed
1450000038		1	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.				Reviewer Comment (2020-01-23): No reserves required to be verified per du.
1450000038		1	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 5,702.40 on Final Closing Disclosure provided on 08/XX/2019 not accurate.	Tax cert reflects semi-annual taxes of $1,461.79 and annual special assessments of $790.56 for monthly taxes of $309.51. This amount combined with the monthly HOI of 56.75 and MI of 139.03 equates to annual property costs in first year of $6063.48.		8/XX/2020	Reviewer Comment (2020-02-04): Lender provided tax calculation worksheet Buyer Comment (2020-01-30): We absolutely agree with the Seller, XXX does this as well. Clear this. Reviewer Comment (2020-01-15): Tax cert for 2019 / 2020 provided shows semi annual taxes of $1,488.15 which is $248.03 / month lender using $279.42 / month. Lender to provide tax calculation - unable to determine how lender arrived at $279.42
1450000038		1	TRID Final Closing Disclosure Estimated Escrow Payment Test	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.	Tax cert reflects semi-annual taxes of $1,461.79 and annual special assessments of $790.56 for monthly taxes of $309.51; however a tax amount of only $279.42 was used on the CD.		8/XX/2020	Reviewer Comment (2020-02-04): Lender provided tax calculation worksheet Buyer Comment (2020-01-30): We absolutely agree with the Seller, XXX does this as well. Clear this. Reviewer Comment (2020-01-15): Tax cert for 2019 / 2020 provided shows semi annual taxes of $1,488.15 which is $248.03 / month lender using $279.42 / month. Lender to provide tax calculation - unable to determine how lender arrived at $279.42
1450000038		1	TRID Final Closing Disclosure Estimated Total Minimum Payment Fixed Rate Initial Payment Test	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 08/XX/2019 disclosed an Estimated Total Monthly Payment for payment stream 1 that does not match the actual total payment for the loan.	Tax cert reflects semi-annual taxes of $1,461.79 and annual special assessments of $790.56 for monthly taxes of $309.51. t		8/XX/2020	Reviewer Comment (2020-02-04): Lender provided tax calculation worksheet Buyer Comment (2020-01-30): We absolutely agree with the Seller, XXX does this as well. Clear this. Reviewer Comment (2020-01-15): Tax cert for 2019 / 2020 provided shows semi annual taxes of $1,488.15 which is $248.03 / month lender using $279.42 / month. Lender to provide tax calculation - unable to determine how lender arrived at $279.42
1450000037	1/10/2020	1	Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided					Reviewer Comment (2020-01-10): Document was provided.
1450000037	1/10/2020	1	Missing Document: Servicing Comments not provided					Reviewer Comment (2020-01-10): Received servicing comments for the client's review and analysis.
1450000037	1/10/2020	1	FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.		The most recent valuation inspection is dated prior to the most recent FEMA disaster.			Reviewer Comment (2020-01-13): Received post-disaster BPO with no damage.
1450000037	1/10/2020	1	Available for Closing is insufficient to cover Cash From Borrower.		File is missing verification of assets.			Reviewer Comment (2020-01-10): Received asset statements.
1450000037	1/10/2020	3	Patriot Act Disclosure is missing	-	File is missing the Patriot Act Disclosure.
1450000037	1/10/2020	2	RESPA 2010 Estimate Available Through Date	Unable to test GFE Estimate Available Through Date due to missing information.	GFE Estimate Available Through Date was not provided.
1450000037	1/10/2020	2	RESPA 2010 GFE Provided Date	RESPA: Initial GFE not provided to Borrower(s) within three (3) business days of Application Date.	File is missing the initial GFE.
1450000037	1/10/2020	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.	Affiliated Business Arrangement Disclosure was not provided within three (3) business days of application.
1450000037	1/10/2020	2	RESPA HUD Settlement Booklet Status	RESPA Disclosure Rule: Creditor did not provide HUD Settlement Cost Booklet.	File is missing the HUD Settlement Cost Booklet.
1450000037	1/10/2020	2	RESPA Servicing Disclosure Timing 2010	RESPA Servicing Disclosure Rule: Creditor did not provide Servicing Disclosure Statement to applicant within three (3) business days of application.	Servicing Disclosure Statement was not provided within three (3) business days of application.
1450000037	1/10/2020	2	TIL-MDIA 2009 Early TIL Disclosure Status	Truth in Lending Act (Early TIL Disclosure): Initial TIL was not provided to the borrower.	File is missing the Initial TIL.		7/XX/2013
1450000036	2/13/2020	1	Missing Document: Fraud Report not provided		Missing fraud report.			Reviewer Comment (2020-02-13): Lender provided fraud report. Seller Comment (2020-02-13): Fraud report attached
1450000036	2/13/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - non QM under a 12 mos bank statement program.			Reviewer Comment (2020-02-11): Client Acknowledges the condition Buyer Comment (2020-02-10): Acknowledged
1450000036	2/13/2020	2	Federal HPML 2013 Establishing Escrow Test	Federal Higher-Priced Mortgage Loan (2013): Mandatory escrow account not established on 1st lien mortgage loan.	Loan does not have escrows.		9/XX/2020	Reviewer Comment (2020-02-11): Client elected to waive the condition Buyer Comment (2020-02-10): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000036	2/13/2020	2	Federal HPML 2014 Non Compliant	Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.55900% or Final Disclosure APR of 5.59700% is in excess of allowable threshold of APOR 3.65% + 1.5%, or 5.15000%. Non-Compliant Higher Priced Mortgage Loan.	Loan is no longer agency eligible - please advise which guidelines are applicable.		9/XX/2020	Reviewer Comment (2020-02-11): Client elected to waive the condition Buyer Comment (2020-02-10): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000036	2/13/2020	2	TIL Higher Priced Mortgage Loan Safe Harbor	TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.	Loan is no longer agency eligible - please advise which guidelines are applicable.			Reviewer Comment (2020-02-11): Client elected to waive the condition Buyer Comment (2020-02-10): Waived - Loan was closed using agency guidelines so no other ones can be used.
1450000036	2/13/2020	3	Georgia HL Payoff Fee	Georgia Home Loan: Impermissible fee charged for payoff statement.	Payoff Fee is a seller paid fee.			Reviewer Comment (2020-02-12): Client waives exception. Buyer Comment (2020-02-11): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000035	2/19/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Non Warrantable Condo - Ineligible due to max LTV of 70% for limited review condo approval in FL. LTV of 72.05% is > than allowed per Fannie Mae.			Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - AMC DD EV 2 - S&D REASON CONFIRMED
1450000034	2/19/2020	3	VA Non IRRRL Loan - Total Borrower Paid Fees Exceeds 1%	Origination Fee and/or Itemized Fees and Charges paid by the borrower $XXX, exceeds 1% of the loan amount of $XXX or $XXX.				Reviewer Comment (2020-02-19): Client is acknowledging this exception without compensating factors. Buyer Comment (2020-02-18): Acknowledged - Over by $25, points & fee that were charged are reasonable.
1450000034	2/19/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of VA Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Designation taken from file.			Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
1450000034	2/19/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
1450000034	2/19/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Agree with defect: Certificate of Eligibility shows the Borrower previously used $37,500 on 4/XX/2018. Certificate of Eligibility shows the Veteran's Basic Entitlement is $0.00 for current loan.			Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
1450000034	2/19/2020	2	TRID Interim Closing Disclosure Timing	TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on 10/XX/2019 contains a change in APR, loan product or addition of prepayment penalty and was not received by borrower at least three (3) business days prior to consummation	CD disclosures sent 10/XX/19 and closed 10/XX/19		10/XX/2020	Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - NO ASSIGNEE LIABILITY.
1450000034	2/19/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed - Uninsured. Per VA, borrower has 0 entitlement.			Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - AMC DD EV 2
1450000034	2/19/2020	2	The file is missing evidence of the Total Monthly Income taxes used by lender to calculate the VA Residual Income.		Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
1450000034	2/19/2020	3	Loan Guaranty Certificate is missing.	-				Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
1450000034	2/19/2020	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.	Loan is no longer agency eligible - please advise which guidelines are applicable			Reviewer Comment (2020-02-19): Client is electing to waive this exception without compensating factors. Buyer Comment (2020-02-18): Waived - S&D VA UNINSURED PRICED AS NON ATR / NON QM.
1450000033	9/13/2019	1	Loan is FHA/VA/Conventional with MI/USDA, unable to determine if loan is still insured, please provide proof of insured loan and/or refund of all premiums paid.					Reviewer Comment (2019-09-13): Loan is insured - evidence of active MI provided. Buyer Comment (2019-09-09): Loan is insured, please capture MI info.
1450000033	9/13/2019	1	Loan was originated as Conventional with MI insured and compliance was evaluated using the originally intended loan type though the loan is no longer insured.					Reviewer Comment (2019-09-13): Loan is insured - evidence of active MI provided.
1450000033	9/13/2019	3	Income documentation requirements not met according to the AUS in file.	Decision System: ___	1099 were not provided for the borrower's self-employment income. VVOE's were not in the file for the borrower or co-borrower.			Reviewer Comment (2019-09-13): 1099s still not provided and only one VVOE was provided and it was for the borrower and done several months after closing which is not acceptable. Condition remains outstanding.
1450000033	9/13/2019	3	AUS Findings: All conditions were not met		1099 were not provided for the borrower's self-employment income. VVOE's were not in the file for the borrower or co-borrower.			Reviewer Comment (2019-09-13): 1099s still not provided and only one VVOE was provided and it was for the borrower and done several months after closing which is not acceptable. Condition remains outstanding.
1450000033	9/13/2019	3	Income Docs Missing:	- ___ ___	1099 were not in the file for the borrower's self-employment income. VVOE's were not in the file for the borrower or co-borrower.			Reviewer Comment (2019-09-13): 1099s still not provided and only one VVOE was provided and it was for the borrower and done several months after closing which is not acceptable. Condition remains outstanding.
1450000033	9/13/2019	2	Federal HPML 2014 Non Compliant	Federal Higher-Priced Mortgage Loan: APR on subject loan of 5.84570% or Final Disclosure APR of 6.09000% is in excess of allowable threshold of APOR 4.21% + 1.5%, or 5.71000%. Non-Compliant Higher Priced Mortgage Loan.			5/XX/2020
1450000033	9/13/2019	2	TIL HPML Appraisal Not Obtained Prior to Closing	TILA HPML Appraisal Rule (Dodd-Frank 2014): Appraisal not obtained prior to consummation.	The Preliminary Appraisal was provided on 5/XX/2019. Evidence of the Final Appraisal being delivered to the borrowers was not in the file.		5/XX/2020	Reviewer Comment (2019-09-13): It appears the appraisal was updated as the one in file is dated 6/XX/19 and file contains no evidence of when this was delivered to the borrower. Condition remains outstanding.
1450000033	9/13/2019	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary HPQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Fails Temporary (GSE) QM Testing.	The Lender's Compliance Report reflects the loan was presumed to be a Qualified Mortgage, Agency Eligible and High-Priced at origination. Compliance was run using the Loan Designation of Temporay HPQM (GSE/Agency Eligible).
1450000033	9/13/2019	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	AUS approved the loan with a DTI of 46.03% under the assumption the loan was insurable.
1450000033	9/13/2019	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.	The AUS was required 13 months of reserve assets and the file contained documents verifying only 10.62 months of reserve assets.
1450000033	9/13/2019	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	The AUS was run with a qualifying asset balance of $28,607.07 and file contained documents verifying an asset balance of only $25,917.07.			Reviewer Comment (2019-09-13): The balances used for our review were the same; however there was a total of $3690 in transfers excluded from the total as they were inter- account transfers b/n checking and savings. Buyer Comment (2019-09-09): Would you please provide clarification on how you arrived as qualifying assets of $25,917.07? I reflect the following account balances: XXX Checking (XXX) #XXX: updated account print for account dated 5/XX/2019: $ 2,731.56 XXX Savings (XXX) #XXX: Statement date ending 4/XX/2019 $ 24,066.88 XXX Checking (XXX) #XXX- Statement date ending 4/XX/2019 $ 1,808.63 Total Qualifying Assets $ 28,607.07 Please let me know if you are missing any of these statements?
1450000033	9/13/2019	3	Missing Document: Servicing Comments not provided
1450000032	2/25/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape of "Borrower borrowed funds to purchase subject investment property with Note with balance $250,000, those funds must be repaid and reflected on the Settlement/Closing Disclosure Statement for the refinance transaction," has been confirmed. ****The subject transaction was a refinance of a primary residence. The CD reflected no mortgage payoff. The loan file contained a private note in the amount of $XXX with an interest only payment of 10% of the principal balance payable over a 36 month period with a first payment made on 07/XX/2019. Though 2 months of statements paid through XXX was located on the bank statements, the DTI did not did not include this payment and the loan file provided no evidence of payoff.			Reviewer Comment (2020-02-25): Client waives exception. Buyer Comment (2020-02-24): Waived - S&D REASON - AMC DD EV 2
1450000032	2/25/2020	3	Transaction Error: Outstanding liens were not paid at closing.	-	The loan file contained a private note in the amount of $XXX with an interest only payment of 10% of the principal balance payable over a 36 month period with a first payment made on 07/XX/2019 with no evidence of payoff.			Reviewer Comment (2020-02-25): Client waives exception. Buyer Comment (2020-02-24): Waived - S&D REASON
1450000031	2/24/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed - FATAL FLAW: Questionable Occupancy. ****The loan file does not contain evidence that suggests the subject property will not be retained as the borrower's primary residence.			Reviewer Comment (2020-02-24): Client acknowledges exception. Buyer Comment (2020-02-21): Acknowledged
1450000031	2/24/2020	1	Missing Document: Approval not provided					Reviewer Comment (2020-02-24): Lender provided approval. Seller Comment (2020-02-21): loan approval
1450000031	2/24/2020	1	There is no dollar amount noted on the title policy.		The file was missing a copy of the final title policy.			Reviewer Comment (2020-02-24): Lender provided a copy of the final title reflecting amount of insurance $XXX. Seller Comment (2020-02-21): Final Title Policy
1450000031	2/24/2020	1	Title Policy is Preliminary or Commitment, and not a Final Title Policy.		The file was missing a copy of the final title policy.			Reviewer Comment (2020-02-24): Lender provided a copy of the final title.
1450000017	6/29/2020	3	Missing Document: Tax Certificate not provided					Reviewer Comment (2020-06-29): Client has elected to waive Buyer Comment (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
1450000017	6/29/2020	3	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2020-06-29): Client has elected to waive Buyer Comment (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
1450000017	6/29/2020	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2020-06-29): Client has elected to waive Buyer Comment (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
1450000017	6/29/2020	2	Due diligence results confirm loan defect provided		Defect reason on tape confirmed. FHA UNINSURED: The borrower has a tax debt of $29,057 with monthly garnishment payments of $492.18. Per FHA Connection, CAIVRS Default exists. We have documentation of the monthly garnishment. Borrower needs to call and clear the CAIVRS and to date, CAIVRS has not been cleared. UFMIP refunded, waiting on monthly MI refund			Reviewer Comment (2020-06-29): Client acknowledged the condition Buyer Comment (2020-06-26): Acknowledged
1450000017	6/29/2020	3	Important Notice to Homebuyer (92900-B) is missing.	-				Reviewer Comment (2020-06-29): Client acknowledged the condition Buyer Comment (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
1450000017	6/29/2020	3	FHA Informed Choice Disclosure is missing.	-				Reviewer Comment (2020-06-29): Client acknowledged the condition Buyer Comment (2020-06-26): Waived - Loan is uninsured FHA so documents not necessary.
1450000017	6/29/2020	1	ECOA Receipt of Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.				Reviewer Comment (2020-06-29): Client acknowledged the condition Buyer Comment (2020-06-26): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000017	6/29/2020	1	Federal FACTA Disclosure Status	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure.				Reviewer Comment (2020-06-29): Client acknowledged the condition Buyer Comment (2020-06-26): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000017	6/29/2020	3	Unknown Loan Designation Test	Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation not provided. Due Diligence Loan Designation is Safe Harbor QM.				Reviewer Comment (2020-06-29): Client has elected to waive Buyer Comment (2020-06-26): Acknowledged
1450000017	6/29/2020	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.				Reviewer Comment (2020-06-29): Client has elected to waive Buyer Comment (2020-06-26): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000017	6/29/2020	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.				Reviewer Comment (2020-06-29): The seller provided SSPL Seller Comment (2020-06-29): Service provider list
1450000017	6/29/2020	1	South Carolina CHL Complaint Agency Disclosure	South Carolina Home Loan: Borrower not provided with a document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.			8/XX/2025	Reviewer Comment (2020-06-29): The seller provided SC compliance agency disclosure Seller Comment (2020-06-29): South Carolina CHL Complaint Agency Disclosure
1450000017	6/29/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Subject loan is not eligible to be insured or guaranteed by FHA.			Reviewer Comment (2020-06-29): Client has elected to waive Buyer Comment (2020-06-26): Acknowledged - Issue is related to the known defect.
1450000017	6/29/2020	1	TRID Settlement Service Provider Status	TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers.	Borrower not provided with list of service providers.		8/XX/2020	Reviewer Comment (2020-06-29): The seller provided SSPL
1450000017	6/29/2020	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,344.50 exceeds tolerance of $786.00 plus 10% or $864.60. Insufficient or no cure was provided to the borrower.	Ten Percent Fee Tolerance exceeded. Total amount of $1,344.50 exceeds tolerance of $786.00 plus 10% or $864.60. Insufficient or no cure was provided to the borrower.		8/XX/2020	Reviewer Comment (2020-06-29): Client elects to waive the condition Buyer Comment (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000017	6/29/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent Only). Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Zero Percent Fee Tolerance exceeded for Title - Attorney's Fee (Closing Agent Only). Fee Amount of $500.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower		8/XX/2020	Reviewer Comment (2020-06-29): Client elects to waive the condition Buyer Comment (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000017	6/29/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Zero Percent Fee Tolerance exceeded for Administration Fee. Fee Amount of $100.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		8/XX/2020	Reviewer Comment (2020-06-29): Client elects to waive the condition Buyer Comment (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000017	6/29/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $545.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $545.75 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		8/XX/2020	Reviewer Comment (2020-06-29): Client elects to waive the condition Buyer Comment (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000016	6/29/2020	1	Rental Income Documentation - Schedule E Method Test	Qualified Mortgage (Dodd-Frank 2014): Rental income documentation requirement not met for XXX. Lease Agreement and/or Tax Return not provided.	Missing Lease agreement			Reviewer Comment (2020-06-29): The seller provided lease agreement Seller Comment (2020-06-29): Lease, tax returns with Sch E and QM
1450000016	6/29/2020	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $142.00 exceeds tolerance of $90.00 plus 10% or $99.00. Insufficient or no cure was provided to the borrower.	Tolerance violation due to increase in Recording fee with no valid COC. No cure was provided.		5/XX/2020	Reviewer Comment (2020-06-29): Client elects to waive the condition Buyer Comment (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000016	6/29/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Loan designation failure due to QM failure. This exception will be cleared once all QM specific exceptions have been cured/cleared.			Reviewer Comment (2020-06-29): Client acknowledged the condition Buyer Comment (2020-06-26): Acknowledged
1450000016	6/29/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed: Declining income - revised DTI 43.35% which exceeds guidelines. Loan Modified due to significant paydown. New FICO pulled 3/2020			Reviewer Comment (2020-06-29): Client acknowledged the condition Buyer Comment (2020-06-26): Acknowledged
1450000016	6/29/2020	1	Credit Exception:		Borrower was charged for a Collateral Desk Review on the final CD but no CDA was provided in the file.			Reviewer Comment (2020-06-29): The seller provided CDA Seller Comment (2020-06-29): CDA
1450000016	6/29/2020	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 05/XX/2019 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 05/XX/2019).	The finance charge disclosed on the final CD does not match the actual finance charge. The difference is $195.00 and appears to be due to the lender did not include the Title-Admin fee in the prepaid finance charges. Provide a corrected post-close CD correcting the finance charge, a copy of the refund check for $195.00, a letter of explanation sent to the borrower, and proof of delivery/receipt.		5/XX/2020	Reviewer Comment (2020-07-17): SitusAMC received PCCD indicating cure, LOE, refund check, and shipping label. Exception may be cured once proof of delivery is available. Seller Comment (2020-07-16): PCCD and refund
1450000015	6/30/2020	1	Missing Document: Mortgage Insurance Certificate (MIC) not provided		The loan file is missing a copy of the Private Mortgage Insurance Certificate			Reviewer Comment (2020-06-30): The seller provided Private Mortgage Insurance Certificate Seller Comment (2020-06-29): MIC
1450000015	6/30/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $394.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	No COC or cure was provided to the borrower for tolerance overages. Seller Paid fees tested in tolerance review		1/XX/2021	Reviewer Comment (2020-06-29): Client elects to waive the condition. Buyer Comment (2020-06-26): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000015	6/30/2020	3	Valuation address does not match Note address.	-	Appraisal reflects XXX vs Note: XXX			Reviewer Comment (2020-06-30): Client has elected to waive Buyer Comment (2020-06-26): Waived - Appraisal in file dated 12/XX/19 is for the property address on the note.
1450000015	6/30/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed : Framework HBEC not obtained prior to closing ** COLLATERAL - due to recent closing - Original or CTC DOT may be trailing.			Reviewer Comment (2020-06-30): Client acknowledged the condition Buyer Comment (2020-06-26): Acknowledged
1450000015	6/30/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Temporary SHQM (GSE/Agency Eligible).	Loan designation of Safe Harbor QM per QM Worksheet.			Reviewer Comment (2020-06-30): Client acknowledged the condition Buyer Comment (2020-06-26): Acknowledged
1450000014	7/7/2020	1	Title Policy is Preliminary or Commitment, and not a Final Title Policy.		Missing a copy of the final title policy			Reviewer Comment (2020-07-07): The seller provided final Title
1450000014	7/7/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.	Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Higher Priced QM.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - accept dil desig
1450000014	7/7/2020	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	Final CD is signed 3/XX/2020. The Initial Cd provided 3/XX/2020.		3/XX/2021	Reviewer Comment (2020-07-02): Client elects to waive exception. Buyer Comment (2020-07-02): Waived - not a concern
1450000014	7/7/2020	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 03/XX/2020 not received by borrower at least four (4) business days prior to closing.	Evidence of earlier borrower receipt 4 days prior to closing not found in file.		3/XX/2021	Reviewer Comment (2020-07-02): Client elects to waive exception. Buyer Comment (2020-07-02): Waived - not a concern
1450000014	7/7/2020	1	TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Sufficient or excess cure was provided to the borrower.	Fee was not disclosed on Loan Estimate. File does not contain a valid COC for this fee, nor evidence of cure.		3/XX/2021	Reviewer Comment (2020-06-30): Sufficient Cure Provided within 60 Days of Closing
1450000014	7/7/2020	1	Title Policy Coverage is less than Original Loan Amount.		Title policy coverage is $XXX vs Loan amount of $XXX			Reviewer Comment (2020-07-07): The seller provided final Title policy with correct amount Seller Comment (2020-07-02): tile with correct loan amt
1450000014	7/7/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed : XXX / Underwriting bust			Reviewer Comment (2020-07-07): Client acknowledged the condition Buyer Comment (2020-07-02): Acknowledged
1450000013	7/7/2020	2	Due diligence results confirm loan defect provided		Agree: Borrower had an existing FHA loan and did meet requirements for additional FHA loan. Also they did not document 75% equity on previous home with an appraisal to use rental income.			Reviewer Comment (2020-07-07): Client acknowledged the condition Buyer Comment (2020-07-02): Acknowledged
1450000013	7/7/2020	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-	Important Notice to Homebuyer Disclosure signed 7/XX/2019 day of closing . The loan file does not evidence the Borrower received a copy 3 days of application as required.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - uninsured
1450000013	7/7/2020	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-	Informed Consumer Choice Disclosure is dated 7/XX/2019. The loan file does not evidence the Borrower received this disclosure 3 days of application as required.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - uninsured
1450000013	7/7/2020	3	Initial HUD Addendum 92900-A is missing.	-	A copy of the Initial HUD addendum is missing from the loan file (92900-A)			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - uninsured
1450000013	7/7/2020	2	Federal LO Compensation (Disclosure) Test	Loan Originator Compensation (Dodd-Frank 2014) - Loan Originator Compensation disclosure not provided: Unable to determine from evidence in the loan file if compensation was based on a term of the transaction.	Loan Originator Compensation disclosure not found in the loan file.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - 2
1450000013	7/7/2020	1	RESPA Affiliated Business Arrangement Disclosure Timing Test	RESPA Disclosure Rule: Creditor did not provide Affiliated Business Arrangement Disclosure to applicant within three (3) business days of application.	The Affiliated Business Disclosure located in the loan file is dated 7/XX/2019.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - 1
1450000013	7/7/2020	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	The list of homeownership counseling disclosure is dated 6/XX/2019. The application is dated 5/XX/2019.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - 2
1450000013	7/7/2020	2	TRID Final Closing Disclosure Escrowed Property Costs Year 1 - October 2018 Test	TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of 6,871.80 on Final Closing Disclosure provided on 06/XX/2019 not accurate.	The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $6,871.80 on page 4; however the Property Taxes / Insurance / Ect are $3,644.76 per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.		6/XX/2020	Reviewer Comment (2020-07-02): Client elects to waive exception Buyer Comment (2020-07-02): Waived - overdisclosed
1450000013	7/7/2020	2	TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed	TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on 06/XX/2019 disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan.	Final Closing Disclosure provided on 06/XX/2019 disclosed an escrow payment for payment stream 1 as $299.73 vs actual $303.73.		6/XX/2020	Reviewer Comment (2020-07-02): Client elects to waive exception Buyer Comment (2020-07-02): Waived - insignificant diff plus mi is actually removed so pymt is even lower
1450000013	7/7/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan is uninsurable.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - uninsured
1450000013	7/7/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan designation failure due to loan being uninsurable.			Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - accept dil desig
1450000013	7/7/2020	1	Reported liability reflects the borrower as an Authorized User. This debt has been excluded from QM qualification.	-				Reviewer Comment (2020-07-07): Client has elected to waive Buyer Comment (2020-07-02): Waived - 1
1450000012	7/7/2020	1	Public Record Issue:	-	Foreclosure not reflected on credit report or application.			Reviewer Comment (2020-07-07): Client elected to waive Buyer Comment (2020-07-07): Waived - Issue is related to the known defect.
1450000012	7/7/2020	2	Due diligence results confirm loan defect provided		Defect reason provided on tape has been confirmed : Significant derogatory event - Foreclosure; Foreclosure documents indicate borrower had foreclosure on 05/XX/2017 that was not disclosed on the loan application. Public records confirm foreclosure on the same date against property, XXX, FL, 32931 that the borrower executed a Note on.			Reviewer Comment (2020-07-07): Client acknowledged the condition Buyer Comment (2020-07-07): Acknowledged
1450000012	7/7/2020	1	RESPA Homeownership Counseling List Status	Unable to determine Homeownership Counseling List was provided due to missing information.	Missing Homeownership Counseling List within 3 days of application.			Reviewer Comment (2020-07-07): Client elected to waive Buyer Comment (2020-07-07): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000012	7/7/2020	2	RESPA Homeownership Counseling List Timing	RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application.	Missing Homeownership Counseling List within 3 days of application.			Reviewer Comment (2020-07-07): Client elected to waive Buyer Comment (2020-07-07): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000012	7/7/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Safe Harbor QM.	Loan designation of Temporary SHQM (GSE/Agency Eligible)			Reviewer Comment (2020-07-07): Client acknowledged the condition Buyer Comment (2020-07-07): Acknowledged
1450000011	7/14/2020	2	Due diligence results confirm loan defect provided		Unable to confirm defect of a tax lien against the borrower.			Reviewer Comment (2020-07-14): Client acknowledges the condition Buyer Comment (2020-07-14): Acknowledged - AMC DD EV 2
1450000011	7/14/2020	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 04/XX/2016 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.			4/XX/2017	Reviewer Comment (2020-07-14): Client acknowledges the condition Buyer Comment (2020-07-14): Acknowledged - AMC DD EV 2
1450000011	7/14/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Temporary SHQM (GSE/Agency Eligible) does not match Due Diligence Loan Designation of Non QM.	Assetts required by borrower are not met. AUS is underwritten using 401k in the amount of $11,898.00. 401K missing from file.			Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - S&D PRICED AS NON ATR / NON QM.
1450000011	7/14/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	DTI exceeds maximum permitted for manually underwritten agency loans. AUS approval is null pending receipt of conditions missing from file. If conditions are provided AUS approval will be valid and this exception will be resolved.			Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - S&D, PRICED AS NON ATR / NON QM
1450000011	7/14/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA Prepaid Dues. Fee Amount of $115.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for HOA prepaid. Fee Amount of $115.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) OR		4/XX/2017	Reviewer Comment (2020-07-14): Client acknowledges the condition Buyer Comment (2020-07-14): Acknowledged - S&D, SELLER NOTIFIED NO ASSIGNEE LIABILITY.
1450000011	7/14/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Pest Inspection Fee. Fee Amount of $68.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Inspection fee. Fee Amount of $68.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. (8304) OR		4/XX/2017	Reviewer Comment (2020-07-14): Client elects to waive exception. Buyer Comment (2020-07-14): Waived - S&D, SELLER NOTIFIED NO ASSIGNEE LIABILITY.
1450000011	7/14/2020	2	TRID Final Closing Disclosure Finance Charge	TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on 04/XX/2016 disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated 04/XX/2016).	Finance Charge disclosed is $XXX. Calculated finance charge is $XXX. Variance of $290.00. Based on review of Lender's compliance report, HOA and inspection fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for under-disclosed amount, Corrected CD, and Re-open Rescission if Applicable		4/XX/2017	Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - Financed Charge understated by less than 1/2 of 1% of the note amount.
1450000011	7/14/2020	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.				Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - S&D closed loan.
1450000010	7/14/2020	2	ECOA Receipt of Preliminary Appraisal Without Waiver	ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation.				Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - AMC DD EV 2
1450000010	7/14/2020	1	Federal FACTA Disclosure Timing Test	FACTA Disclosure Rule: Creditor did not provide FACTA Credit Score Disclosure within a reasonably practicable time after using credit score.				Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - AMC DD EV 1
1450000010	7/14/2020	2	TRID Final Closing Disclosure Will Have Escrow - Initial Escrow Payment By All Parties	TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on 02/XX/2018 disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts.			2/XX/2019	Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - AMC DD EV 2
1450000010	7/14/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Missing gift letter			Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - S&D FHA: S&D REASON
1450000010	7/14/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Higher Priced QM.	Missing Gift Letter			Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - FHA S&D REASON
1450000010	7/14/2020	2	Due diligence results confirm loan defect provided		Missing gift letter and 442.			Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - FHA S&D REASON
1450000010	7/14/2020	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	Missing gift funds.			Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - FHA S&D REASON
1450000010	7/14/2020	1	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-				Reviewer Comment (2020-07-16): Uploaded as trailing docs Seller Comment (2020-07-16): CIR - 442
1450000010	7/14/2020	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.				Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - FHA S&D, ALSO PRICED AS NON ATR / NON QM.
1450000010	7/14/2020	3	Missing Document: Gift Letter not provided		Gift funds were included in qualifying assets. Required verification documents are missing from file. Lender to provide gift letter and proof of receipt.			Reviewer Comment (2020-07-14): Client elects to waive Buyer Comment (2020-07-14): Waived - FHA S&D, RELATED TO S&D REASON.
1450000009	7/27/2020	1	Missing Document: Approval not provided					Reviewer Comment (2020-07-27): The seller provided the approval Seller Comment (2020-07-23): UW approval
1450000009	7/27/2020	3	Missing Document: AUS not provided					Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - stated defect
1450000009	7/27/2020	3	Missing Document: General Services Administration (GSA) not provided					Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - uninsured
1450000009	7/27/2020	3	Missing Document: Limited Denials of Participation (LDP) not provided					Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - uninsured
1450000009	7/27/2020	2	Due diligence results confirm loan defect provided		No AUS in file and a letter from the underwriter stating that AUS was not run due to the loan being a manual underwrite and a misunderstanding of the underwriting procedures at XXX.			Reviewer Comment (2020-07-17): Client acknowledged the condition Buyer Comment (2020-07-17): Acknowledged
1450000009	7/27/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Loan downgraded to a Manual underwrite The mortgage file contains information or documentation that cannot be entered into, or evaluated by TOTAL Mortgage Scorecard for an AUS. No credit score alternative credit documentation used.			Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - stated defect
1450000009	7/27/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Rebuttable Presumption QM does not match Due Diligence Loan Designation of Higher Priced QM.	Missing AUS- Loan downgraded to a Manual underwrite The mortgage file contains information or documentation that cannot be entered into, or evaluated by TOTAL Mortgage Scorecard for an AUS. No credit score alternative credit documentation used.			Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - stated defect
1450000009	7/27/2020	2	TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $749.25 exceeds tolerance of $80.00 plus 10% or $88.00. Insufficient or no cure was provided to the borrower.	Ten Percent Fee Tolerance exceeded. Total amount of $749.25 exceeds tolerance of $80.00 plus 10% or $88.00. Insufficient or no cure was provided to the borrower.		10/XX/2020	Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - seller pd
1450000009	7/27/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,060.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Transfer Tax. Fee Amount of $1,060.80 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.		10/XX/2020	Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - seller pd
1450000009	7/27/2020	3	The representative credit score does not meet guideline minimum.	FICO: ___	Borrower has no credit scores and alternative credit was used and added to the credit report.			Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - stated defect
1450000009	7/27/2020	3	Available for Closing is insufficient to cover Cash From Borrower.	Documented qualifying Assets for Closing of ___ is less than Cash From Borrower ___.				Reviewer Comment (2020-07-17): Client has elected to waive Buyer Comment (2020-07-17): Waived - irrelevant now
1450000008	7/27/2020	1	Loan was originated as FHA insured and compliance was evaluated using the originally intended loan type though the loan is no longer FHA insured					Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
1450000008	7/27/2020	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.					Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
1450000008	7/27/2020	2	Due diligence results confirm loan defect provided		Diligence results confirmed - loan was a DU refer with a DTI of 49% and does not meet manual uw requirements for compensating factors.			Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON.
1450000008	7/27/2020	3	QM DTI	Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds 43% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency.	Loan is not an AUS approved loan and the DTI exceeds QM standard of 43%			Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON.
1450000008	7/27/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	Due to AUS refer and not meeting manual guidelines, loan is not eligible for insurance by FHA.			Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON.
1450000008	7/27/2020	3	Check Loan Designation Match - QM	Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of HUD Safe Harbor QM does not match Due Diligence Loan Designation of Non QM.	Designation determined by review is different than that of the originator.			Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON.
1450000008	7/27/2020	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	The initial CD was dated 11/XX/19 which was not at least 3 days prior to closing		11/XX/2020	Reviewer Comment (2020-07-23): Client Acknowledged Buyer Comment (2020-07-23): Acknowledged - NO ASSIGNEE LIABILITY.
1450000008	7/27/2020	2	TRID Revised Loan Estimate Timing Before Closing	TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on 11/XX/2019 not received by borrower at least four (4) business days prior to closing.	There is no evidence in the loan file when the 11/12 LE was received by the borrower and if the "mailbox rule" is applied, it would not have been received at least 4 business days prior to closing.		11/XX/2020	Reviewer Comment (2020-07-23): Client Acknowledged Buyer Comment (2020-07-23): Acknowledged - NO ASSIGNEE LIABILITY.
1450000008	7/27/2020	2	FHA - Important Notice to Homebuyer (92900-B) was not provided within three days of the application date.	-				Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM. RELATED TO S&D REASON.
1450000008	7/27/2020	3	FHA - Informed Choice Disclosure was not provided within three days of the application date.	-				Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
1450000008	7/27/2020	3	Initial HUD Addendum 92900-A is missing.	-				Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
1450000008	7/27/2020	3	General Ability To Repay - Missing Investor Guideline Qualifying Total Debt Ratio	Unable to complete ATR testing due to missing investor guideline qualifying total debt ratio.				Reviewer Comment (2020-07-27): Client has elected to waive Buyer Comment (2020-07-23): Waived - FHA S&D, PRICED AS NON ATR / NON QM.
1450000008	7/27/2020	1	South Carolina CHL Complaint Agency Disclosure Compliant	South Carolina Home Loan: Borrower did not acknowledge receipt of document specifying the agency designated to receive complaints or inquiries about the origination and making of the loan.	Not signed by borrower		11/XX/2025	Reviewer Comment (2020-08-06): The seller provided signed copy of South Carolina CHL Complaint Agency Disclosure Seller Comment (2020-08-06): see attach
1450000007	7/28/2020	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		File is missing the Mortgage Insurance Certificate.			Reviewer Comment (2020-07-28): Client has elected to waive Buyer Comment (2020-07-24): Waived - Loan is being purchased as uninsured FHA.
1450000007	7/28/2020	2	Due diligence results confirm loan defect provided		DTI is 52.81%. Defect confirmed: FHA UNINSURED: The borrower was in a current BK13, we obtained approval for the new debt however FHA guides require the approval to be manual downgrade and that was not done. Additionally the loan does not qualify for a manual downgrade with a DTI of 52.81%. COMP FACTORS: 2.61 AND 12.96 years LOE, salaried income with OT, minimal revolving, 4 mos reserves			Reviewer Comment (2020-07-28): Client acknowledged the condition Buyer Comment (2020-07-24): Acknowledged
1450000007	7/28/2020	2	FHA - Initial HUD Addendum to the Loan Application 92900-A was not provided within three days of the application date.	-	The file was missing a copy of the Initial HUD Addendum for all borrowers provided within 3 days of originator application date.			Reviewer Comment (2020-07-28): Client has elected to waive Buyer Comment (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000007	7/28/2020	1	RESPA Initial Escrow Account Disclosure Test	RESPA: Initial escrow account statement was not provided to the borrower.	File was missing the Initial Escrow Account Statement.			Reviewer Comment (2020-07-28): Client has elected to waive Buyer Comment (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000007	7/28/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Insurance Premium. Fee Amount of $3,157.96 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Mortgage Insurance Premium was not disclosed on Initial Loan Estimate. File does not contain a valid COC for this fee. No cure was provided.		8/XX/2020	Reviewer Comment (2020-07-24): Client elected to waive Buyer Comment (2020-07-24): Waived - UFMIP has been refunded as part of the uninsuring process.
1450000007	7/28/2020	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.	AUS counted $6,292.30 from vested retirement account. Verification of these funds was not provided.			Reviewer Comment (2020-07-28): Client has elected to waive Buyer Comment (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000007	7/28/2020	3	Asset documentation requirements not met according to Decision System Input.	All documentation requirements for ___ were not met.	AUS counted $6,292.30 from vested retirement account. Verification of these funds was not provided.			Reviewer Comment (2020-07-28): Client has elected to waive Buyer Comment (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000007	7/28/2020	3	AUS Findings: Qualifying asset balance discrepancy.	Calculated qualifying asset balance of ___ is less than AUS qualifying asset balance of ___.	AUS counted $6,292.30 from vested retirement account. Verification of these funds was not provided.			Reviewer Comment (2020-07-28): Client has elected to waive Buyer Comment (2020-07-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000006	8/10/2020	1	Escrow holdbacks are present.	Escrow Holdback Amount: ___	Valuation does not show any repairs needed. Escrow hold back of $15,181.00 not identified what repairs or documentation needed and would need to be re underwritten.			Reviewer Comment (2020-08-10): The seller provided 442 that reflects all improvements have been completed Seller Comment (2020-08-07): 1004d
1450000006	8/10/2020	2	Due diligence results confirm loan defect provided		AUS was run as a 1 unit, SFR detached investment property. Per the valuation is a two unit duplex property type. Need correct AUS for 2 unit and correct LTV.			Reviewer Comment (2020-07-31): Client acknowledged the condition Buyer Comment (2020-07-30): Acknowledged
1450000006	8/10/2020	3	AUS Findings: Number of units discrepancy.	Appraisal number of units of ___ does not match AUS number of units of ___.				Reviewer Comment (2020-07-31): Client has elected to waive Buyer Comment (2020-07-30): Waived - no remedy possible
1450000006	8/10/2020	3	AUS Findings: PITIA months reserves discrepancy.	Calculated PITIA months reserves of ___ is less than AUS PITIA months reserves of ___.				Reviewer Comment (2020-07-31): Client has elected to waive Buyer Comment (2020-07-30): Waived - no remedy possible
1450000006	8/10/2020	3	AUS Findings: Property type discrepancy.	Appraisal property type of ___ does not match AUS property type of ___.				Reviewer Comment (2020-07-31): Client has elected to waive Buyer Comment (2020-07-30): Waived - no remedy possible
1450000006	8/10/2020	2	ECOA Appraisal Provided Before Completion	ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements.				Reviewer Comment (2020-07-31): Client has elected to waive Buyer Comment (2020-07-30): Waived - 2
1450000005	8/31/2020	3	Missing Document: Fraud Report not provided		The file was missing a Fraud Report			Reviewer Comment (2020-08-31): Client acknowledged the condition Buyer Comment (2020-08-30): Document not available
1450000005	8/31/2020	3	FHA MIP Error: Missing evidence of case number assignment date.		FHA Case Number Assignment was not provided			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
1450000005	8/31/2020	3	Mortgage Insurance Certificate and Mortgage Insurance Evidence are missing.		The file was missing evidence of the Mortgage Insurance Certificate or other satisfactory documentation.			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
1450000005	8/31/2020	3	Important Notice to Homebuyer (92900-B) is missing.	-	Evidence was not provided the Important Notice to Homebuyer was provided to borrower			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
1450000005	8/31/2020	3	FHA Informed Choice Disclosure is missing.	-	Evidence was not provided the FHA Informed Choice Disclosure was provided to borrower.			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
1450000005	8/31/2020	3	Initial HUD Addendum 92900-A is missing.	-	Evidence was not provided the FHA Initial HUD Addendum 92900-A was provided to borrower.			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
1450000005	8/31/2020	3	Case # Assignment does not indicate "All borrowers passed SSN validation".		Evidence was not provided the FHA Case # Assignment was provided to borrower.			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
1450000005	8/31/2020	1	TRID Appraisal Disclosure - ECOA Status	ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure.	Evidence was not provided borrower received the Right to Receive a copy of the Appraisal Disclosure - No Loan Estimate provided.		10/XX/2018	Reviewer Comment (2020-08-19): Sufficient Cure Provided At Closing
1450000005	8/31/2020	1	FHA Case Number Assignment Date Without MI Impact	FHA Case # Assignment Date missing. Creditor application date used as FHA case # assignment date for purposes of any applicable compliance testing.	The file was missing a copy of the when the FHA Case # was assigned			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Loan is being purchased as uninsured FHA.
1450000005	8/31/2020	3	HUD QM AU Finding Fail	HUD Qualified Mortgage (Dodd-Frank 2014): Subject loan is not eligible to be insured or guaranteed by FHA.	The file was missing evidence of numerous Disclosures required by FHA to be insured			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Issue is related to the known defect.
1450000005	8/31/2020	1	RESPA Homeownership Counseling List Status	RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower.	The file was missing evidence the List of Home-ownership Counseling Organizations was provided to borrower.			Reviewer Comment (2020-08-31): Client acknowledged the condition Buyer Comment (2020-08-30): Document not available.
1450000005	8/31/2020	3	Illinois SB 1894	IL Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording.	The file was missing evidence the Certificate of Compliance or Exemption was provided to borrower.			Reviewer Comment (2020-09-02): Client has elected to waive Buyer Comment (2020-09-01): Waived - Issue doesn't impact XXX's ability to purchase this loan. Buyer Comment (2020-08-31): Document is not available. Reviewer Comment (2020-08-31): The seller provided the Security Instrument. Please provide the IL Certificate of Completion. Seller Comment (2020-08-30): Mortgage attached
1450000005	8/31/2020	2	TRID Initial Closing Disclosure Timing without Waiver	TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing.	The Initial Closing Disclosure was executed by borrower the same date as the Final Closing Disclosure, not allowing the borrower to have 3 business days to view the document prior to closing.		10/XX/2018	Reviewer Comment (2020-08-25): Client elects to waive the condition. Buyer Comment (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000005	8/31/2020	2	TRID Loan Estimate Status	TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s). The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $9,401.87 may be required.	The file was missing evidence the Loan Estimate was provided to borrower.		10/XX/2018	Reviewer Comment (2020-09-01): Client elects to waive the condition. Buyer Comment (2020-08-31): Waived - Issue doesn't impact XXX's ability to purchase this loan. Reviewer Comment (2020-08-31): No loan estimate in loan file. SitusAMC is unable to complete testing. Buyer Comment (2020-08-30): Document not available.
1450000005	8/31/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title-Post Closing Fee. Fee Amount of $125.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The file was missing evidence the Loan Estimate was provided to borrower causing a Zero Tolerance violation for the Title-Post Closing Fee that was disclosed on the Final Closing Disclosure of $125.00.		10/XX/2018	Reviewer Comment (2020-08-25): Client elects to waive the condition. Buyer Comment (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000005	8/31/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title-DFI Policy. Fee Amount of $3.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	The file was missing evidence the Loan Estimate was provided to borrower causing a Zero Tolerance violation for the Title-DFI Policy Fee that was disclosed on the Final Closing Disclosure of $3.00.		10/XX/2018	Reviewer Comment (2020-08-25): Client elects to waive the condition. Buyer Comment (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000005	8/31/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Closing Protection Letter Fee. Fee Amount of $75.00 exceeds tolerance of $35.00. Insufficient or no cure was provided to the borrower.	The file was missing evidence the Loan Estimate was provided to borrower causing a Zero Tolerance violation for the Title-Closing Protection Letter Fee that was disclosed on the Final Closing Disclosure of $35.00.		10/XX/2018	Reviewer Comment (2020-08-25): Client elects to waive the condition. Buyer Comment (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000005	8/31/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $589.00 exceeds tolerance of $75.00. Insufficient or no cure was provided to the borrower.	The file was missing evidence the Loan Estimate was provided to borrower causing a Zero Tolerance violation for the Title-Lenders Title Insurance Fee that was disclosed on the Final Closing Disclosure of $589.00 and disclosed on the Initial Closing Disclosure if $75.		10/XX/2018	Reviewer Comment (2020-08-25): Client elects to waive the condition. Buyer Comment (2020-08-24): Waived - Issue doesn't have any ROR or Assignee Liability impact to XXX so OK to purchase.
1450000005	8/31/2020	3	Employment was not verified within 10 days of the note date.	-	This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000005	8/31/2020	3	Employment was not verified within 10 days of the note date.	-	This file was missing a copy of VVOE. Per guidelines, Verbal Verification of Employment VVOE completed within 10 days of closing must be provided.			Reviewer Comment (2020-08-26): Client has elected to waive Buyer Comment (2020-08-24): Waived - Issue doesn't impact XXX's ability to purchase this loan.
1450000004	9/9/2020	1	Missing Document: Credit Report not provided					Reviewer Comment (2020-09-09): The seller provided credit report Seller Comment (2020-09-04): Credit Report
1450000004	9/9/2020	2	Due Diligence results do not confirm loan defect provided		Defect reason provided on tape has not been confirmed, undocumented debt, resulting in DTI outside allowable limit cannot be confirmed: due to neither a pre-close credit report or a post-close credit report have been provided.			Reviewer Comment (2020-09-09): Client acknowledged the condition Buyer Comment (2020-09-03): Acknowledged
1450000004	9/9/2020	3	Income Docs Missing:	- ___	Profit and Loss Statements for all of the Borrower's Self-Employed income are not provided.			Reviewer Comment (2020-09-09): Client has elected to waive Buyer Comment (2020-09-03): Waived - stated defect
1450000003	9/17/2020	2	TRID Lender Credit Tolerance Violation	TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $-889.41 is less than amount of binding Lender Credit previously disclosed in the amount of $-2,092.00.	No COC or cure was provided to the borrower for tolerance overages		9/XX/2020	Reviewer Comment (2020-09-17): Client has elected to waive Buyer Comment (2020-09-16): Waived - DD Level 2
1450000003	9/17/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for VA Funding Fee. Fee Amount of $13,530.00 exceeds tolerance of $13,365.00. Insufficient or no cure was provided to the borrower.	Funding Fee change valid COC due to loan amount change.		9/XX/2020	Reviewer Comment (2020-09-17): Client has elected to waive Buyer Comment (2020-09-16): Waived - priced as atr fail/va uninsured
1450000003	9/17/2020	2	TIL Right To Rescind - H-8 On Refinance By The Same Creditor	Truth in Lending Act: Notice of Right to Cancel was not executed on the proper Model Form for a refinancing by the same creditor. The H-8 form was used, the H-9 form should have been used.	Same Lender refinance should be on Form H-9.		9/XX/2022	Reviewer Comment (2020-09-17): Client has elected to waive Buyer Comment (2020-09-16): Waived - DD level 2
1450000003	9/17/2020	2	TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided	TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $25.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.	Endorsement fee added on Cd dated 07/XX/2019.		9/XX/2020	Reviewer Comment (2020-09-17): Client has elected to waive Buyer Comment (2020-09-16): Waived - no assignee liability
1450000003	9/17/2020	3	VA QM Eligibility	VA Qualified Mortgage (Dodd-Frank 2014) - Subject loan is not eligible to be insured or guaranteed by VA.	Subject property did not meet VA requirements.			Reviewer Comment (2020-09-17): Client has elected to waive Buyer Comment (2020-09-16): Waived - va uninsured
1450000003	9/17/2020	2	Due diligence results confirm loan defect provided		The subject property does not meet Va requirements as the repairs were not made as required prior to closing.			Reviewer Comment (2020-09-17): Client acknowledged the condition Buyer Comment (2020-09-16): Acknowledged
1450000003	9/17/2020	3	Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided.	-	Evidence of repairs made is missing.			Reviewer Comment (2020-09-17): Client has elected to waive Buyer Comment (2020-09-16): Waived - stated defect
1450000003	9/17/2020	1	VA Loan Analysis Worksheet Form 26-6393 is not compliant.	-	The VA Loan Analysis was not signed and dated by the Underwriter and not shown as AUS approved.			Reviewer Comment (2020-09-25): The seller provided signed copy Seller Comment (2020-09-24): signed
1450000003	9/17/2020	3	Loan Guaranty Certificate is missing.	-	Loan Guaranty Certificate is missing.			Reviewer Comment (2020-09-17): Client has elected to waive Buyer Comment (2020-09-16): Waived - va uninsured