EX-99.2 16 ex99-2s9.htm SCHEDULE 9 - SERVICING COMMENT REPORT

 

J.P. MORGAN RESIDENTIAL MORTGAGE ACCEPTANCE CORP. ABS-15G

 Exhibit 99.2 - Schedule 9

 

 

 

 

Loan Number Borrower Property State As-of Date Is Due Date Available? Due Date Default Status Are there any missing comments during the review period? Missing Comments Starting 1 Missing Comments End 1 Missing Comments Starting 2 Missing Comments End 2 Exception Comments Summary Comment Last Borrower Contact Date Servicer Contact Attempts Borrower Contact Comment Borrower Intention Active Cease and Desist Order? Reason For Default Future Default Risk Imminent Default probable? Ability to Pay Willingness to Pay Evidence of Dispute Is there evidence the primary borrower or co-borrower is deceased? Last Inspection Completed Date Does the inspection occupancy match the borrower occupancy? Current Occupancy - inspection Occupancy - borrower First Vacancy Date Foreclosure? Foreclosure Initiation Date Last FC Stage Last FC Stage Date Is there evidence the current foreclosure may be dismissed? FCL Delay Code Greater than 1 year DQ and not in FCL flag Unexplained Lack of Enforcement (Non-Foreclosure Related) Bankruptcy? Bankruptcy Chapter Last Filing Date Case Number Current Bankruptcy Status Bankruptcy Status date Last Bankruptcy Stage Last Bankruptcy Stage Date Loss Mit? Current Loss Mitigation Type Current Loss Mit Status Current Loss Mit Status Date Previous Loss Mitigation Type Previous Loss Mit Status Previous Loss Mit Status Date HHF Assistance? Mediation Hearing? Damage Flag Damage Type Estimated damage amount Poor Property Condition with No Reported Damage? Property Type Exception? REO REO Status Evidence of Litigation Active Military/SCRA Flag Is there evidence of title issues? Title Issue Type Is there evidence the loan has been Paid in Full? Is there evidence the loan has been charged off? Unsecured Collateral? Is there evidence of unpaid delinquent property taxes? Delinquent Property Tax Amount Evidence of ongoing insurance issue? Evidence that property is located in a current FEMA disaster area? Additional Risk Factors
3158541973 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower accepted a promise to pay for $958.46 dated for XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower The last contact with the borrower was on XXX when the borrower accepted a promise to pay for $958.46 dated for XXX. No Contact No Current Low No High High No No XXX Yes Owner Occupied Owner Occupied   Never           No No Previously Not Determined XXX Not Determined Discharged XXX Discharged XXX Never             No No No     No No No   No No No   No No No No   No No No
3158537655 XXX CA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The most recent borrower contact was on XXX at which time the borrower set up a promise to pay in the amount of $2433.81 for XXX.
OCCUPANCY:   Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower The most recent borrower contact was on XXX at which time the borrower set up a promise to pay in the amount of $2433.81 for XXX. No Contact No Current Low No High High No No   N/A   Not Determined   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158537823 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.		   Contact attempted but unable to contact borrower   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158542088 XXX IN XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158540745 XXX MO XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.		   Contact attempted but unable to contact borrower   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158537603 XXX AZ XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539577 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   Retention No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158541317 XXX WV XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		   Contact attempted but unable to contact borrower   No Contact No Current Low No Medium Medium No No XXX N/A Owner Occupied No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158540338 XXX OH XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the borrower called to inquire about options to lower the interest rate on the account.  During the call, the servicer informed the borrower that a packet would be sent to the borrower so that the servicer could get more information from the borrower.  There are no comments indicating the borrower submitted an application to refinance the loan prior to the end of the review period.		 XXX Contact made with borrower Comments on XXX indicate the borrower called to inquire about options to lower the interest rate on the account.  During the call, the servicer informed the borrower that a packet would be sent to the borrower so that the servicer could get more information from the borrower.  There are no comments indicating the borrower submitted an application to refinance the loan prior to the end of the review period. No Contact No Current Low No High High No No   N/A   Owner Occupied   Never           No No Previously Not Determined XXX Not Determined Discharged XXX Discharged XXX Never             No No No     No No No   No No No   No No No No   No No No
3158538095 XXX OK XXX Yes XXX Current No         • CEASE AND DESIST: A cease and desist was requested by the co-borrower, and placed on the loan on XXX.
• DECEASED BORROWER OR CO-BORROWER: Comments on XXX indicate the co-borrower called to inform the servicer that the borrower was deceased, and comments on XXX indicate the borrower had died on XXX.		 LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the borrower called to find out the total amount due, including the late fees that had accumulated.  The borrower made a promise to pay, and the pay history indicates a payment of $2,695.22 was received on that day.
DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower Comments on XXX indicate the borrower called to find out the total amount due, including the late fees that had accumulated.  The borrower made a promise to pay, and the pay history indicates a payment of $2,695.22 was received on that day. No Contact Yes Current Low No High High No Yes XXX Yes Owner Occupied Owner Occupied   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158538756 XXX IL XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The most recent borrower contact occurred on XXX in which the borrower stated they would make a payment in the amount of $2,795.00 by XXX. The payment history indicates that the payment in the amount of $2,795.00 was posted on XXX. The borrower stated that the property was owner occupied.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower The most recent borrower contact occurred on XXXXin which the borrower stated they would make a payment in the amount of $2,795.00 by XXX. The payment history indicates that the payment in the amount of $2,795.00 was posted on XXX. The borrower stated that the property was owner occupied. No Contact No Current Low No High High No No XXX Yes Owner Occupied Owner Occupied   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158542488 XXX OH XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539661 XXX OH XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Not Determined.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No XXX N/A Not Determined No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539044 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the servicer called the borrower, and during the call, the borrower made a promise to pay.  A payment of $442.87 was received on XXX, according to the pay history.
OCCUPANCY:   Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower Comments on XXX indicate the servicer called the borrower, and during the call, the borrower made a promise to pay.  A payment of $442.87 was received on XXX, according to the pay history. No Contact No Current Low No High High No No   N/A   Not Determined   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158538479 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158542339 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158538166 XXX OH XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539180 XXX TX XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158538489 XXX PA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158541813 XXX IL XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A       Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158541804 XXX OH XXX Yes XXX Collections No         (No Data) LOAN STATUS: The loan is currently in Collections status. The reason for default is reported to be Curtailment of Income.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The borrower set up a payment on XXX in the amount of $982.24.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower The last contact with the borrower was on XXX. The borrower set up a payment on XXX in the amount of $982.24. No Contact No Curtailment of Income Medium No Medium Medium No No XXX Yes Owner Occupied Owner Occupied   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158538860 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           Due Date Not Available No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539660 XXX CA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158542061 XXX AZ XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.		   Contact attempted but unable to contact borrower   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158537660 XXX FL XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The servicing comments of XXX indicated the borrowed consented to proceed with interview and questioned a HAMP letter that was received. The borrower was not interested in mortgage assistance.		 XXX Contact made with borrower The servicing comments of XXX indicated the borrowed consented to proceed with interview and questioned a HAMP letter that was received. The borrower was not interested in mortgage assistance. No Contact No Current Low No High High No No   N/A   Owner Occupied   Never           No No Previously Not Determined XXX Not Determined Discharged XXX Discharged XXX Never             No No No     No No No   No No No   No No No No   No No No
3158540789 XXX KY XXX Yes XXX Current No           LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The borrower was solicited for a modification on XXX.  The borrower expressed the intent to keep the property.  The borrower accepted a promise to pay for $600.00 which was applied towards the loan balance.		 XXX Contact made with borrower The borrower was solicited for a modification on XXX.  The borrower expressed the intent to keep the property.  The borrower accepted a promise to pay for $600.00 which was applied towards the loan balance. Retention No Current Low No High High No No   N/A   Owner Occupied   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158541034 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158541440 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158541375 XXX MS XXX Yes XXX Current No           LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The borrower last contact was on XXX.  The borrower accepted a promise to pay for $546.32 on XXX
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.  Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower The borrower last contact was on XXX.  The borrower accepted a promise to pay for $546.32 on XXX. Not Determined No Current Low No High High No No XXX N/A Owner Occupied Not Determined   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158540055 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower indicated they were not interested in mortgage assistance.
OCCUPANCY:   Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower The last contact with the borrower was on XXX when the borrower indicated they were not interested in mortgage assistance. No Contact No Current Low No High High No No   N/A   Not Determined   Never           No No Previously Not Determined XXX Not Determined Discharged XXX Discharged XXX Never             No No No     No No No   No No No   No No No No   No No No
3158538359 XXX MI XXX Yes XXX Current No           LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX.  The borrower confirmed the payment of $695.16 for date XXX.  The borrower stated the reason for default was a payment dispute.  
OCCUPANCY:   Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower The last contact with the borrower was on XXX.  The borrower confirmed the payment of $695.16 for date XXX.  The borrower stated the reason for default was a payment dispute. Not Determined No Current Low No High High No No   N/A   Not Determined   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158538156 XXX DE XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539132 XXX IL XXX Yes XXX Collections No         (No Data) LOAN STATUS: The loan is currently in Collections status. The reason for default is reported to be Curtailment of Income.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The borrower could not offer a promise to pay, they wanted to speak with spouse.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.  Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower The last contact with the borrower was on XXX. The borrower could not offer a promise to pay, they wanted to speak with spouse. No Contact No Curtailment of Income Medium No Medium Medium No No XXX N/A Owner Occupied Not Determined   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158542197 XXX IL XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539258 XXX IL XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158542490 XXX AZ XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Commentary on XXX indicated the borrower income was reduced due to less available hours to work and the borrower no longer held additional secondary employment. The borrower was unable to complete a financial interview and there were no indications the borrower completed the financial interview through the end of the review period.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower Commentary on XXX indicated the borrower income was reduced due to less available hours to work and the borrower no longer held additional secondary employment. The borrower was unable to complete a financial interview and there were no indications the borrower completed the financial interview through the end of the review period. No Contact No Current Low No High High No No XXX Yes Owner Occupied Owner Occupied   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158538633 XXX MI XXX Yes XXX Current No         • DECEASED BORROWER OR CO-BORROWER: Comments on XXX indicate the borrower’s date of death is XXX. LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.
DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No Yes   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158540690 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158537800 XXX OH XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.		   Contact attempted but unable to contact borrower   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158541554 XXX PA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158539792 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower made a promise to pay for $220.99 dated for XXXX.
OCCUPANCY:   Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower The last contact with the borrower was on XXX when the borrower made a promise to pay for $220.99 dated for XXX. No Contact No Current Low No High High No No   N/A   Not Determined   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158540834 XXX CA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX. The borrower was advised that the workout is in progress. The loan is current however prior comments indicate the borrower is unemployed.
OCCUPANCY:   Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact attempts made during cease and desist The last contact with the borrower was on XXX. The borrower was advised that the workout is in progress. The loan is current however prior comments indicate the borrower is XXX. Not Determined No Current Low No High High No No   N/A   Not Determined   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158537886 XXX IL XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158542510 XXX WA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158540347 XXX LA XXX Yes XXX Loss Mitigation No         • ACTIVE LOSS MITIGATION: Comments on XXX and XXX indicate the account is on a XXX plan due to XXX, but there are no comments indicating the XXX plan ended prior to the end of the review period. LOAN STATUS: The loan is currently in Loss Mitigation status. The reason for default is reported to be Not Determined.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Comments on XXX indicate the borrower called the servicer, but the call was interrupted.  
LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX.		 XXX Contact made with borrower Comments on XXX indicate the borrower called the servicer, but the call was interrupted. Not Determined No Not Determined Medium No Medium Medium No No   N/A   Owner Occupied   Never           No No Never               Currently XXX In Process XXX       No No No     No No No   No No No   No No No No   No No No
3158541307 XXX MI XXX Yes XXX Loss Mitigation No         • ACTIVE LOSS MITIGATION: The comment on XXX indicate that the borrower was setup on a Disaster XXX Plan due to XXX through to XXX, and per comment on XXX the XXX was extended through XXX. The comments on XXX indicate that the XXX was again extended through XXX as the borrower was still unable to make regular payments. The comment on XXX indicate that the borrower was advised of other possible options but stated they wanted to wait until the end of the XXX to proceed with any other loss mitigation options. LOAN STATUS: The loan is currently in Loss Mitigation status. The reason for default is reported to be Curtailment of Income.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The most recent borrower contact occurred on XXX in which the borrower discuss other possible loss mitigation options as the borrower was on a XXX Plan due to XXX through XXX. The borrower stated that they wanted to wait until the end of the XXX to entertain any other loss mitigation options. The borrower also stated that the property was owner occupied.
LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX		 XXX Contact made with borrower The most recent borrower contact occurred on XXX in which the borrower discuss other possible loss mitigation options as the borrower was on a XXX Plan due to XXX through XXX. The borrower stated that they wanted to wait until the end of the XXX to entertain any other loss mitigation options. The borrower also stated that the property was owner occupied. Retention No Curtailment of Income Medium No Low Medium No No   N/A   Owner Occupied   Never           No No Previously Not Determined XXX Not Determined Discharged XXX Discharged XXX Currently XXX In Process XXX       No No No     No No No   No No No   No No No No   No No No
3158538669 XXX FL XXX Yes XXX Current No         • ACTIVE LOSS MITIGATION: Commentary on XXX indicated an active Covid 19 XXX plan for 3 months with a payment of $905.81 to end on XXX; however, on XXX the XXX was extended for an additional 3 months through XXX. There were no indications that the XXX was completed or the XXX was extended through the end of the review period. LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.
LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX.		   Contact attempted but unable to contact borrower   No Contact No Current Medium No Medium High No No   N/A   No Borrower Contact   Never           No No Never               Currently XXX In Process XXX       No No No     No No No   No No No   No No No No   No No No
3158541955 XXX Missing XXX Yes XXX Current No         • DECEASED BORROWER OR CO-BORROWER: Commentary on XXX indicated the borrower died on XXX. LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Commentary on XXX indicated the borrower was contacted; however, there were no additional notations in regards to the conversation topic.
DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.
FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan.  The most recently completed foreclosure milestone was Close and Bill and the date of the Close and Bill was not available.  
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower Commentary on XXX indicated the borrower was contacted; however, there were no additional notations in regards to the conversation topic. No Contact No Current Low No High High No Yes XXX Yes Owner Occupied Owner Occupied   Previously XXX Close and Bill XXX No N/A No No Never               Never             No No No     No No No   No No No   No No No No   No No No
3158537925 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The borrower indicated on XXX that they would be interested in a preapproved offer for a loan modification and they indicated that they reside in the property.  The loan was successfully modified on XXX at which point the loan was brought current and it has remained current since this time.
FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan. The foreclosure was referred to the attorney on XXX. The most recently completed foreclosure milestone was Close and Bill completed on XXX.  
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower The borrower indicated on XXX that they would be interested in a preapproved offer for a loan modification and they indicated that they reside in the property.  The loan was successfully modified on XXX at which point the loan was brought current and it has remained current since this time. No Contact No Current Low No Medium High No No XXX Yes Owner Occupied Owner Occupied   Previously XXX Close and Bill XXX No N/A No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158542002 XXX TX XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Occupied by Unknown.		   Contact attempted but unable to contact borrower   No Contact No Current Low No High High No No XXX N/A Occupied by Unknown No Borrower Contact   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158537799 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower called to inquire about the workout in process. The loan was then modified on XXX.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower The last contact with the borrower was on XXX when the borrower called to inquire about the workout in process. The loan was then modified on XXX. No Contact No Current Low No High High No No XXX Yes Owner Occupied Owner Occupied   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158539095 XXX NY XXX Yes XXX Loss Mitigation No         • ACTIVE LOSS MITIGATION: A servicing note from XXX stated that the loan is currently under a Covid 19 XXX plan. LOAN STATUS: The loan is currently in Loss Mitigation status. The reason for default is reported to be Not Determined.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Contact with borrower was made on XXX and the servicer verified the borrower's phone number and mailing address. The borrower made a promise to pay. According to the payment history, the borrower made a payment in the amount of $1,538.38 on XXX.

FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan. The foreclosure was referred to the attorney on XXX. The most recently completed foreclosure milestone was Close and Bill completed on XXX.  
LOSS MITIGATION: There is evidence of an active XXX associated with this loan. The XXX review began on XXX. The prior loss mitigation review of Loan Modification was Completed on XXX
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower Contact with borrower was made on XXX and the servicer verified the borrower's phone number and mailing address. The borrower made a promise to pay. According to the payment history, the borrower made a payment in the amount of $1,538.38 on XXX. No Contact No Not Determined Medium No Medium Medium No No XXX Yes Owner Occupied Owner Occupied   Previously XXX Close and Bill XXX No N/A No No Never               Currently XXX In Process XXX Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158540771 XXX MI XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The borrower promised to make a payment during a call with the servicer.  According to the payment history, a payment in the amount of $105.40 was made on XXX as the XXX payment was short.  No further questions remained.  
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower The borrower promised to make a payment during a call with the servicer.  According to the payment history, a payment in the amount of $105.40 was made on XXX as the XXX payment was short.  No further questions remained. Retention No Current Low No High High No No XXX Yes Owner Occupied Owner Occupied   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158541223 XXX CA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy status was not determined.
BORROWER CONTACT: Not attempting to contact borrower for valid reason.  There is no evidence of recent borrower contact.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The date of the prior loss mitigation status is not available.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		   Not attempting to contact borrower for valid reason   No Contact No Current Low No High High No No XXX N/A Owner Occupied No Borrower Contact   Never           No No Previously Not Determined XXX Not Determined Not Determined XXX Not Determined XXX Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158539810 XXX FL XXX Yes XXX Current No         • PROPERTY DAMAGE: Commentary on XXX indicated the reason for the default was household repairs; however, there were no further details provided in regards to the status of the repairs through the end of the review period. LOAN STATUS: The loan is currently in Current status.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy status was not determined.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. Commentary on XXX indicated the borrower was interested in mortgage assistance, a prior loan modification was completed, and the borrower would not commit to a payment.  There were no further notations the borrower pursued mortgage assistance through the end of the review period.
DAMAGE: There is evidence of property damage caused by Not Determined, the total of which was not provided.
FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan.  The most recently completed foreclosure milestone was Close and Bill and the date of the Close and Bill was not available.  
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.		 XXX Contact made with borrower Commentary on XXX indicated the borrower was interested in mortgage assistance, a prior loan modification was completed, and the borrower would not commit to a payment.  There were no further notations the borrower pursued mortgage assistance through the end of the review period. No Contact No Current Low No Medium High No No   N/A   Owner Occupied   Previously XXX Close and Bill XXX No N/A No No Previously Not Determined XXX Not Determined Not Determined XXX Not Determined XXX Previously       Loan Modification Completed XXX No No Yes Not Determined   No No No   No No No   No No No No   No No No
3158540201 XXX LA XXX Yes XXX Current/Bankruptcy No         (No Data) LOAN STATUS: The loan is currently in Current/Bankruptcy status.
BANKRUPTCY: There is evidence of an active bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy is active as of XXX.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		   Contact attempted but unable to contact borrower   No Contact No Current Low No Medium High No No XXX N/A Owner Occupied No Borrower Contact   Never           No No Currently Not Determined XXX Not Determined Active XXX Not Determined XXX Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158538863 XXX OH XXX Yes XXX Current No         • OCCUPANCY DISCREPANCY: According to the most recent inspection on XXX the property is occupied by unknown; however according to a conversation on XXX, the property is occupied by owner. LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The most recent borrower contact occurred on XXX in which the borrower discussed possible loss mitigation, borrower stated he fell behind due to excessive obligations. The borrower also stated that the property was owner occupied. The comments on XXX indicate that a trial payment plan was setup. Per comment on XXX the final modification setup was completed.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Occupied by Unknown.  Conversations with the borrower indicated the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower The most recent borrower contact occurred on XXX in which the borrower discussed possible loss mitigation, borrower stated he fell behind due to excessive obligations. The borrower also stated that the property was owner occupied. The comments on XXX indicate that a trial payment plan was setup. Per comment on XXX the final modification setup was completed. No Contact No Current Low No High High No No XXX No Occupied by Unknown Owner Occupied   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158537495 XXX OH XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status. The reason for default is reported to be Curtailment of Income.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX0. Commentary on XXX indicated the borrower completed a promise to pay in the amount of $887.83 and the plan was noted as kept.
FORECLOSURE: There is evidence of previous foreclosure activity associated with this loan.  The most recently completed foreclosure milestone was Close and Bill and the date of the Close and Bill was not available.  
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.		 XXX Contact made with borrower Commentary on XXX indicated the borrower completed a promise to pay in the amount of $887.83 and the plan was noted as kept. Retention No Curtailment of Income Medium No Medium Medium No No XXX Yes Owner Occupied Owner Occupied   Previously XXX Close and Bill XXX No N/A No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158542144 XXX OH XXX Yes XXX Current No         • OCCUPANCY DISCREPANCY: The last inspection shows that the home is owner occupied on XXX. The last contact with the borrower on XXX indicated the home was no-owner occupied. LOAN STATUS: The loan is currently in Current status.
BANKRUPTCY: There is evidence of a prior bankruptcy case associated with this loan.   The bankruptcy case number is Not Determined. The bankruptcy was reported as Discharged; however, the date was not available in the review period.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The most recent borrower contact was on XXX at which time the borrower accepted a promise to pay in the amount of $1000.00 for XXX. The borrower also consented to proceed with an Early Resolution interview.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY: The most recent inspection was completed on XXX.  The inspection determined the occupancy of the property was Owner Occupied.  Conversations with the borrower indicated the occupancy of the property was Occupied by Unknown.		 XXX Contact made with borrower The most recent borrower contact was on XXX at which time the borrower accepted a promise to pay in the amount of $1000.00 for XXX. The borrower also consented to proceed with an Early Resolution interview. No Contact No Current Low No High High No No XXX No Owner Occupied Occupied by Unknown   Never           No No Previously Not Determined XXX Not Determined Discharged XXX Discharged XXX Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158537509 XXX LA XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.		   Contact attempted but unable to contact borrower   No Contact No Current Low No High High No No   N/A   No Borrower Contact   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158538081 XXX Missing XXX Yes XXX Current No         (No Data) LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower called about their loan modification.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.		 XXX Contact made with borrower The last contact with the borrower was on XXX when the borrower called about their loan modification. No Contact No Current Low No High High No No   N/A   Owner Occupied   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158539958 XXX Missing XXX Yes XXX Current No         • DECEASED BORROWER OR CO-BORROWER: A comment dated XXX indicates one of the borrower died on XXX and the name change on the loan was completed. LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX when the borrower was called about their loan modification.
DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.
OCCUPANCY:   Conversations with the borrower indicated the occupancy of the property was Not Determined.		 XXX Contact made with borrower The last contact with the borrower was on XXX when the borrower was called about their loan modification. No Contact No Current Low No High High No Yes   N/A   Not Determined   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158541289 XXX OH XXX Yes XXX Current No         • DECEASED BORROWER OR CO-BORROWER: Commentary on XXX indicated a deceased borrower with a date of death of XXX. LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT: Contact attempted but unable to contact borrower.  There is no evidence of recent borrower contact.
DECEASED BORROWER: There is evidence that the borrower and/or co-borrower is deceased.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.		   Contact attempted but unable to contact borrower   No Contact No Current Low No High High No Yes   N/A   No Borrower Contact   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No
3158540618 XXX OH XXX Yes XXX Current No           LOAN STATUS: The loan is currently in Current status.
BORROWER CONTACT:  The last date of contact on behalf of the borrower was XXX. The last contact with the borrower was on XXX.  The details of the conversation is not available.
LOSS MITIGATION: There is evidence of a previous Completed Loan Modification associated with this loan.  The prior loss mitigation review of Loan Modification was Completed on XXX.		 XXX Contact made with borrower The last contact with the borrower was on XXX.  The details of the conversation is not available. Not Determined No Current Low No Medium Medium No No   N/A   Owner Occupied   Never           No No Never               Previously       Loan Modification Completed XXX No No No     No No No   No No No   No No No No   No No No

 

 

 

  

 

 

 

Loan Number Exception Description Initial Clayton Exception Comments
3158541955 DECEASED BORROWER OR CO-BORROWER Commentary on XXXX indicated the borrower died on XXXX.
3158540347 ACTIVE LOSS MITIGATION Comments on 5/7/2020 and 7/23/2020 indicate the account is on a forbearance plan due to Covid-19, but there are no comments indicating the forbearance plan ended prior to the end of the review period.
3158541307 ACTIVE LOSS MITIGATION The comment on 5/4/2020 indicate that the borrower was setup on a Disaster Forbearance Plan due to Covid-19 through to June 2020, and per comment on 6/26/2020 the Forbearance was extended through September 2020. The comments on 9/10/2020 indicate that the Forbearance was again extended through December 2020 as the borrower was still unable to make regular payments. The comment on 9/21/2020 indicate that the borrower was advised of other possible options but stated they wanted to wait until the end of the Forbearance to proceed with any other loss mitigation options.
3158539095 ACTIVE LOSS MITIGATION A servicing note from 9/18/2020 stated that the loan is currently under a Covid 19 forbearance plan.
3158539810 PROPERTY DAMAGE Commentary on 10/9/2018 indicated the reason for the default was household repairs; however, there were no further details provided in regards to the status of the repairs through the end of the review period.
3158538095 DECEASED BORROWER OR CO-BORROWER Comments on 8/20/2018 indicate the co-borrower called to inform the servicer that the borrower was deceased, and comments on 9/12/2018 indicate the borrower had died on XXXX.
3158538095 CEASE AND DESIST A cease and desist was requested by the co-borrower, and placed on the loan on 10/11/2018.
3158538863 OCCUPANCY DISCREPANCY According to the most recent inspection on 3/28/2018 the property is occupied by unknown; however according to a conversation on 11/16/2017, the property is occupied by owner.
3158542144 OCCUPANCY DISCREPANCY The last inspection shows that the home is owner occupied on 1/4/2020. The last contact with the borrower on 3/28/2019 indicated the home was no-owner occupied.
3158539958 DECEASED BORROWER OR CO-BORROWER A comment dated 6/9/2018 indicates one of the borrower died on XXXX and the name change on the loan was completed.
3158541289 DECEASED BORROWER OR CO-BORROWER Commentary on 2/1/2018 indicated a deceased borrower with a date of death of 12/5/2017.
3158538633 DECEASED BORROWER OR CO-BORROWER Comments on 11/11/2018 indicate the borrower’s date of death is XXXX.
3158538669 ACTIVE LOSS MITIGATION Commentary on 5/4/2020 indicated an active Covid 19 forbearance plan for 3 months with a payment of $905.81 to end on 6/1/2020; however, on 7/1/2020 the forbearance was extended for an additional 3 months through 9/1/2020. There were no indications that the forbearance was completed or the forbearance was extended through the end of the review period.