EX-99.03 4 ex99-03.htm AMC EXCEPTION GRADES REPORT
 

EFMT DEPOSITOR LLC ABS-15G

 

Exhibit 99.03

 

Exception Grades
Run Date - 2/6/2025 5:35:17 PM

 

SitusAMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade DBRS Initial Exception Rating DBRS Final Exception Rating Fitch Initial Exception Rating Fitch Final Exception Rating Kroll Initial Exception Rating Kroll Final Exception Rating Moody's Initial Exception Rating Moody's Final Exception Rating S&P Initial Exception Rating S&P Final Exception Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
XXX 1952152 XXX   32668054     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.                 2 B B B B B B B B B B   XXX Investment Refinance - Cash-out - Other   B B B B     A A   N/A No