Exhibit 99.8 Schedule 3

Seller

Loan ID

Seller Loan ID

Investor Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Initial Finding Grade

Current/Final Finding Grade

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXX

xxxxx2384

Closed

2024-03-25 11:05

2024-03-25 12:11

Resolved

1 - Information

A

A

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg 487 and the Final Closing disclosure on Pg 206 reflects escrows. Rate lock date was entered correctly – see Pg 530 An interior and exterior appraisal was completed for this property – see pg 64 to 70 the appraisal disclosure was provided to the borrower(s)- see Pg 508, and copy of the appraisal was given to the borrower – see Pg 51for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/25/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg 487 and the Final Closing disclosure on Pg 206 reflects escrows. Rate lock date was entered correctly – see Pg 530 An interior and exterior appraisal was completed for this property – see pg 64 to 70 the appraisal disclosure was provided to the borrower(s)- see Pg 508, and copy of the appraisal was given to the borrower – see Pg 51for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-03/25/2024

GA

Primary Residence

Purchase

NA

1520698

N/A

N/A

XXXX

xxxxxx5094

Closed

2024-04-23 08:17

2024-04-25 11:57

Resolved

1 - Information

D

A

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated Supportive document 1008, hence finding resloved. - Due Diligence Vendor-04/25/2024 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/25/2024 Ready for Review-Document Uploaded. Please see the attached 1008 - Buyer-04/25/2024 Open-The 1008 document is missing from the loan file. Request you to provide 1008 document - Due Diligence Vendor-04/23/2024

Resolved-Updated Supportive document 1008, hence finding resloved. - Due Diligence Vendor-04/25/2024  Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-04/25/2024

XXXX

FL

Primary Residence

Purchase

NA

1607849

N/A

N/A

XXXX

xxxxxx5094

Closed

2024-04-23 12:05

2024-04-23 15:18

Resolved

1 - Information

A

A

Compliance

Points & Fees

Higher-Priced Mortgage Loan Test

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg# 993 and the Final Closing disclosure on Pg# 553 reflects escrows. Rate lock date was entered correctly see Pg#’s 1074 An interior and exterior appraisal was completed for this property see pg 113 the appraisal disclosure was provided to the borrower(s) see Pg#’s 1574,1575 and copy of the appraisal was given to the borrower  see Pg# 1574,1575 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-04/23/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg# 993 and the Final Closing disclosure on Pg# 553 reflects escrows. Rate lock date was entered correctly see Pg#’s 1074 An interior and exterior appraisal was completed for this property see pg 113 the appraisal disclosure was provided to the borrower(s) see Pg#’s 1574,1575 and copy of the appraisal was given to the borrower  see Pg# 1574,1575 for the copy of the disclosure. The loan meets HPML guidelines" - Due Diligence Vendor-04/23/2024

FL

Primary Residence

Purchase

NA

1608296

N/A

N/A

XXXX

xxxxxx8110

Closed

2024-05-08 06:13

2024-06-06 15:23

Resolved

1 - Information

A

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.553%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2024 Ready for Review-As long as loan is escrowed, we are not concerned with HPML fails. Please Rescind - Buyer-06/04/2024 Open-. - Due Diligence Vendor-05/30/2024 Open-The loan's (9.544%) APR equals or exceeds the Federal HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.86%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/30/2024 Resolved-The loan's (9.553%) APR equals or exceeds the Federal HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.86%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2024

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.553%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2024  Resolved-The loan's (9.553%) APR equals or exceeds the Federal HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.86%).(12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2024

CA

Primary Residence

Purchase

NA

1661794

N/A

N/A

XXXX

xxxxxx8110

Closed

2024-05-08 06:13

2024-06-06 15:22

Resolved

1 - Information

A

A

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.553%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2024 Ready for Review-As long as loan is escrowed, we are not concerned with HPML fails. Please Rescind - Seller-06/04/2024 Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.547%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-05/30/2024 Open-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.544%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-05/30/2024 Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.553%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2024

Ready for Review-As long as loan is escrowed, we are not concerned with HPML fails. Please Rescind - Seller-06/04/2024

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.553%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-06/06/2024  Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (9.553%) equals or exceeds the California HPML threshold of (8.36%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.86%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 460 and the Final Closing disclosure on Pg#’s 259 reflects escrows. Rate lock date was entered correctly – see Pg#’s 476 An interior and exterior appraisal was completed for this property – see pg 42, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 206 and copy of the appraisal was given to the borrower – see Pg#’s 27 for the copy of the disclosure. The loan meets HPML guidelines. - Due Diligence Vendor-05/08/2024

CA

Primary Residence

Purchase

NA

1661791

N/A

N/A

XXXX

xxxxxx8110

Closed

2024-05-13 16:14

2024-06-04 17:17

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited DTI Exceeds Guideline DTI Requirements

Waived-XXXX approves exception - Due Diligence Vendor-06/04/2024 Unable to Resolve-Unable to Resolve-XXXX approves exception for DTI being .27% above max.  Comp Factors:  63 mos reserves, 30% borrower contribution, 10 years in line of business, over $6500k residual income - Seller-05/31/2024 Open-Audited DTI of 43.27% exceeds Guideline DTI of 43% Per guidelines for Non-Prime- FICO < 660 | Purchase Only / Max DTI - 43%. DTI 43.27% exceeds guideline requirement please advise - Due Diligence Vendor-05/13/2024

Unable to Resolve-Unable to Resolve-XXXX approves exception for DTI being .27% above max.  Comp Factors:  63 mos reserves, 30% borrower contribution, 10 years in line of business, over $6500k residual income - Seller-05/31/2024

Waived-XXXX approves exception - Due Diligence Vendor-06/04/2024

LTV is 70%. Maximum allowed per guidelines is 75%. Borrower(s) have 11.5 months Reserves. Minimum required per guidelines is 3 months. Residual Income is $6574.96. Minimum Residual Income required per guidelines is $2500.

CA

Primary Residence

Purchase

NA

1678922

Investor Post-Close

No

XXXX

xxxxxx8110

Closed

2024-05-08 06:13

2024-05-30 14:19

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Fees: Limited

Resolved-PCCD Provided- Resolved - Due Diligence Vendor-05/30/2024 Resolved- - Due Diligence Vendor-05/30/2024 Ready for Review-Document Uploaded.  - Buyer-05/29/2024 Open-The total amount of the 10% category fees ($225.00) has increased by more than 10% over the current baseline value of ($203.00). The total amount of fees in the 10% category cannot exceed ($223.30). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording Fees fee increased in revised CD to cure the Tolerance we don't have lender credits or a change of circumstance for fee increase - Due Diligence Vendor-05/08/2024

Resolved-PCCD Provided- Resolved - Due Diligence Vendor-05/30/2024  Resolved- - Due Diligence Vendor-05/30/2024

XXXX

CA

Primary Residence

Purchase

NA

1661792

N/A

N/A

XXXX

xxxxxx8110

Closed

2024-05-08 06:13

2024-05-30 14:19

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Fees: Limited

Resolved-PCCD Provided- Resolved - Due Diligence Vendor-05/30/2024 Resolved- - Due Diligence Vendor-05/30/2024 Open-. - Due Diligence Vendor-05/30/2024 Ready for Review-Document Uploaded.  - Seller-05/29/2024 Open-The total amount of the 10% category fees on the last Closing Disclosure ($225.00) has increased by more than 10% over the current baseline value of ($203.00). The total amount of fees in the 10% category cannot exceed ($223.30). The following fee(s) have either increased from their baseline disclosure or have been recently added: (Recording Fees – Mortgage/Deed of Trust). Any increase to an existing fee and/or the addition of a new fee that causes the 10% category threshold to be exceeded cannot occur unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee(s) or new fee(s). (12 CFR 1026.19(e)(3)(ii); 12 CFR 1026.19(e)(3)(iv)). Recording Fees fee increased in revised CD to cure the Tolerance we don't have lender credits. - Due Diligence Vendor-05/08/2024

Ready for Review-Document Uploaded.  - Seller-05/29/2024

Resolved-PCCD Provided- Resolved - Due Diligence Vendor-05/30/2024  Resolved- - Due Diligence Vendor-05/30/2024

XXXX

CA

Primary Residence

Purchase

NA

1661790

N/A

N/A

XXXX

xxxxxx3927

Closed

2024-06-05 15:21

2024-07-15 13:43

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/15/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Provided - Due Diligence Vendor-06/11/2024 Ready for Review-Document Uploaded.  - Seller-06/10/2024 Open-Borrower 1 3rd Party VOE within 10 days of Close is Missing. - Due Diligence Vendor-06/05/2024

Ready for Review-Document Uploaded.  - Seller-06/10/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/15/2024  Resolved-Borrower 1 3rd Party VOE Prior to Close Provided - Due Diligence Vendor-06/11/2024

XXXX

TX

Primary Residence

Refinance

Cash Out - Other

1788936

N/A

N/A

XXXX

xxxxxx3927

Closed

2024-06-04 09:14

2024-07-15 13:40

Resolved

1 - Information

C

A

Compliance

Points & Fees

Late Charge Percent is less than 3%

Resolved-Validation Resolved - Due Diligence Vendor-06/10/2024 Ready for Review-Document Uploaded. P & I now correctly reflects $2,194.89 & late fee info matches the Final CD.  Thank you. - Seller-06/06/2024 Open-Late Charge Percent is less than 2% As per note document, No Late charges given also $2,834.05 P&I Amount is not matching with All other documents (first payment letter & Final CD) shows $2.194.89 . - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. P & I now correctly reflects $2,194.89 & late fee info matches the Final CD.  Thank you. - Seller-06/06/2024

Resolved-Validation Resolved - Due Diligence Vendor-06/10/2024

XXXX

TX

Primary Residence

Refinance

Cash Out - Other

1780179

N/A

N/A

XXXX

xxxxxx3927

Closed

2024-06-04 08:25

2024-07-15 13:19

Resolved

1 - Information

C

A

Compliance

Enterprise:FeeLimits

ER - Texas Constitution 2% Fee Limit

Resolved-Resolved as a result of Bonafide discount point entry - Due Diligence Vendor-07/15/2024 Open-5 - Due Diligence Vendor-07/15/2024 Rescinded-Finding rescinded as request for Discount Points form has been entered into open finding - Due Diligence Vendor-07/09/2024 Counter-If feasible, request to provide Discount Points form for validation and review - Due Diligence Vendor-07/09/2024 Ready for Review-Document Uploaded. I have attached our client's (XXXX) test as well as the test we ran.  I've asked our Compliance team if they're able to point to a regulation or rule that supports the messaging on the XXXX test and will come back if they're able to. - Seller-07/08/2024 Counter-Please assist by providing the entire XXXX report that was run so we are able to review as well as the regulation that allows  3% limit, it would assist us on locating how to resolve the compliance fail. - Due Diligence Vendor-07/05/2024 Ready for Review-Document Uploaded. Attached notes from our compliance team on updates he made to clear the Fail message we were receiving. - Seller-07/03/2024 Ready for Review-Document Uploaded. I've attached a screenshot of our XXXX test, which shows that ATR Standard loans are not subject QM Points and fees Test.  I've reached out to our Compliance team to get clarification on what system updates he did to change the ATR type. - Seller-07/03/2024 Counter-Could you assist us by providing the regulation that states 3% limit, it would assist us on locating how to resolve the compliance fail. - Due Diligence Vendor-07/02/2024 Ready for Review-Per our compliance team, the message/2% limit is not applicable, due to Homestead property.  Do you have capability to select the loan is Homestead and re-run the test?  Our compliance test allows up to 3%. - Seller-06/28/2024 Open-The Texas Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) The Texas Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan, please clarify  - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. I have attached our client's (XXXX) test as well as the test we ran.  I've asked our Compliance team if they're able to point to a regulation or rule that supports the messaging on the XXXX test and will come back if they're able to. - Seller-07/08/2024  Ready for Review-Document Uploaded. Attached notes from our compliance team on updates he made to clear the Fail message we were receiving. - Seller-07/03/2024  Ready for Review-Document Uploaded. I've attached a screenshot of our XXXX test, which shows that ATR Standard loans are not subject QM Points and fees Test.  I've reached out to our Compliance team to get clarification on what system updates he did to change the ATR type. - Seller-07/03/2024  Ready for Review-Per our compliance team, the message/2% limit is not applicable, due to Homestead property.  Do you have capability to select the loan is Homestead and re-run the test?  Our compliance test allows up to 3%. - Seller-06/28/2024

Resolved-Resolved as a result of Bonafide discount point entry - Due Diligence Vendor-07/15/2024  Rescinded-Finding rescinded as request for Discount Points form has been entered into open finding - Due Diligence Vendor-07/09/2024

XXXX

TX

Primary Residence

Refinance

Cash Out - Other

1780134

N/A

N/A

XXXX

xxxxxx3927

Closed

2024-06-04 08:25

2024-07-15 13:05

Resolved

1 - Information

C

A

Compliance

Fees:Limited

Texas - Maximum Fees Allowed

Resolved-Resolved based on bona fide discount point.  - Due Diligence Vendor-07/15/2024 Counter-If feasible, request to provide Discount Points form for validation and review - Due Diligence Vendor-07/09/2024 Ready for Review-Document Uploaded. I have attached our client's (XXXX) test as well as the test we ran. - Seller-07/08/2024 Counter-Please assist us by providing the entire XXXX report that was run so we are able to review - Due Diligence Vendor-07/05/2024 Ready for Review-Document Uploaded. Attached notes from our compliance team on XXXX updates that were made to clear our Fail message. - Seller-07/03/2024 Ready for Review-Document Uploaded. I've attached a screenshot of our XXXX test, which shows that ATR Standard loans are not subject QM Points and fees Test.  I've reached out to our Compliance team to get clarification on what system updates he did to change the ATR type. - Seller-07/03/2024 Counter-Could you assist us by providing the regulation that states 3% limit, it would assist us on locating how to resolve the compliance fail.  - Due Diligence Vendor-07/02/2024 Ready for Review-Per our compliance team, the message/2% limit is not applicable, due to Homestead property.  Do you have capability to select the loan is Homestead and re-run the test?  Our compliance test allows up to 3%. - Seller-06/28/2024 Open-The Texas Constitution prohibits fees from exceeding 2% of the principal balance on a non-purchase money loan. (Tex. Const. Art. 16 Sec. 50(a)(6)(E); 7 TX ADC Sec. 153.5) Fees Not to Exceed 2% of the Principal Loan Amount (No Decrease), please clarify  - Due Diligence Vendor-06/04/2024

Ready for Review-Document Uploaded. I have attached our client's (XXXX) test as well as the test we ran. - Seller-07/08/2024  Ready for Review-Document Uploaded. Attached notes from our compliance team on XXXX updates that were made to clear our Fail message. - Seller-07/03/2024  Ready for Review-Document Uploaded. I've attached a screenshot of our XXXX test, which shows that ATR Standard loans are not subject QM Points and fees Test.  I've reached out to our Compliance team to get clarification on what system updates he did to change the ATR type. - Seller-07/03/2024  Ready for Review-Per our compliance team, the message/2% limit is not applicable, due to Homestead property.  Do you have capability to select the loan is Homestead and re-run the test?  Our compliance test allows up to 3%. - Seller-06/28/2024

Resolved-Resolved based on bona fide discount point.  - Due Diligence Vendor-07/15/2024

XXXX

TX

Primary Residence

Refinance

Cash Out - Other

1780136

N/A

N/A

XXXX

xxxxxx8527

Closed

2024-08-02 14:21

2024-08-02 19:25

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Note is Incomplete

Resolved-Updated Note provided. Resolved.  - Due Diligence Vendor-08/02/2024 Resolved-The Note is Present - Due Diligence Vendor-08/02/2024 Ready for Review-Document Uploaded.  - Seller-08/02/2024 Open-The Note is Incomplete The Note is dated XXXX, after closing date of XXXX. Requesting to provide updated Note with Note date reflecting closing date.    - Due Diligence Vendor-08/02/2024 Open-The Note is Incomplete - Due Diligence Vendor-08/02/2024

Ready for Review-Document Uploaded.  - Seller-08/02/2024

Resolved-Updated Note provided. Resolved.  - Due Diligence Vendor-08/02/2024  Resolved-The Note is Present - Due Diligence Vendor-08/02/2024

XXXX

OH

Investment

Refinance

No Cash Out - Borrower Initiated

2109969

N/A

N/A

XXXX

xxxxxx8527

Closed

2024-06-07 22:34

2024-07-08 08:00

Resolved

1 - Information

D

A

Credit

Missing Doc

Hazard Insurance Policy is Partial

Resolved-Replacement Cost Estimator uploaded, verified & entered in system - Resolved.  - Due Diligence Vendor-07/08/2024 Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/08/2024 Ready for Review-Document Uploaded.  - Seller-07/05/2024 Open-Hazard Insurance Policy Partially Provided The file is missing the Replacement Cost Estimator or Appraisal showing the Cost New. Requesting the Replacement Cost Estimator or Appraisal be updated to reflect Replacement Cost New.  - Due Diligence Vendor-06/07/2024

Ready for Review-Document Uploaded.  - Seller-07/05/2024

Resolved-Replacement Cost Estimator uploaded, verified & entered in system - Resolved.  - Due Diligence Vendor-07/08/2024  Resolved-Hazard Insurance Policy is fully present - Due Diligence Vendor-07/08/2024

XXXX

OH

Investment

Refinance

No Cash Out - Borrower Initiated

1803781

N/A

N/A

XXXX

xxxxxx8527

Closed

2024-06-06 11:04

2024-06-11 09:37

Resolved

1 - Information

C

A

Credit

Credit

Lender Approval Form is Missing

Resolved-Lender Approval Form provided. Resolved - Due Diligence Vendor-06/11/2024 Ready for Review-Document Uploaded.  - Seller-06/10/2024 Open-Lender Approval Form is Missing - Due Diligence Vendor-06/06/2024

Ready for Review-Document Uploaded.  - Seller-06/10/2024

Resolved-Lender Approval Form provided. Resolved - Due Diligence Vendor-06/11/2024

XXXX

OH

Investment

Refinance

No Cash Out - Borrower Initiated

1793373

N/A

N/A

XXXX

xxxxxx4633

Closed

2024-06-14 08:54

2024-06-18 19:02

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-06/18/2024 Ready for Review-Included in original package. page 241. Final CD is dated xx - Seller-06/17/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). 1. Points - Loan Discount Fee Increased in Revised CD from $2650 to $3710 and Appraisal Re-inspection fee of $125 has been added, Changed CD disclosed on 05/xx/2024, whereas COC is dated on 05/xx/2024 pg#107 2. Appraisal Review fee of $110 is added in Final CD without COC. - Due Diligence Vendor-06/14/2024

Ready for Review-Included in original package. page 241. Final CD is dated 6/xx - Seller-06/17/2024

Resolved- - Due Diligence Vendor-06/18/2024

LA

Primary Residence

Refinance

Cash Out - Other

1832040

N/A

N/A

XXXX

xxxxxx4633

Closed

2024-06-14 08:54

2024-06-18 19:02

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved- - Due Diligence Vendor-06/18/2024 Ready for Review-Document Uploaded. included in original package, page 241. - Seller-06/17/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Inspection Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). 1. Points - Loan Discount Fee Increased in Revised CD from $2650 to $3710 and Appraisal Re-inspection fee of $125 has been added, Changed CD disclosed on 05/29/2024, whereas COC is dated on 05/23/2024 pg#107 2. Appraisal Review fee of $110 is added in Final CD without COC. - Due Diligence Vendor-06/14/2024

Ready for Review-Document Uploaded. included in original package, page 241. - Seller-06/17/2024

Resolved- - Due Diligence Vendor-06/18/2024

XXXX

LA

Primary Residence

Refinance

Cash Out - Other

1832041

N/A

N/A

XXXX

xxxxxx4633

Closed

2024-06-14 13:51

2024-06-18 18:57

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/18/2024 Ready for Review-Page 615 in original package - Seller-06/17/2024 Ready for Review-Document Uploaded. Verified on 6/06/2024 - Seller-06/17/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing Required VOE for borrower XXXX self employment - Due Diligence Vendor-06/14/2024

Ready for Review-Page 615 in original package - Seller-06/17/2024  Ready for Review-Document Uploaded. Verified on 6/06/2024 - Seller-06/17/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-06/18/2024

XXXX

LA

Primary Residence

Refinance

Cash Out - Other

1833271

N/A

N/A

XXXX

xxxxxx4633

Closed

2024-06-14 13:51

2024-06-18 18:57

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/18/2024 Ready for Review-Page 616 in original package - Seller-06/17/2024 Ready for Review-Document Uploaded. Verified on XXXX - Seller-06/17/2024 Open-Borrower 2 3rd Party VOE Prior to Close Missing Required VOE for borrower 2 XXXX self-employment - Due Diligence Vendor-06/14/2024

Ready for Review-Page 616 in original package - Seller-06/17/2024  Ready for Review-Document Uploaded. Verified on XXXX - Seller-06/17/2024

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-06/18/2024

XXXX

LA

Primary Residence

Refinance

Cash Out - Other

1833272

N/A

N/A

XXXX

xxxxxx4633

Closed

2024-06-14 04:37

2024-06-18 18:55

Resolved

1 - Information

C

A

Credit

Borrower

Borrower 1 Ethnicity Selection is Not Provided

Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-06/18/2024 Ready for Review-Document Uploaded.  - Seller-06/17/2024 Open-Borrower 1 Ethnicity Selection is Not Provided Borrower 1 and Borrower 2 Ethnicity Selection is Not Provided - Due Diligence Vendor-06/14/2024

Ready for Review-Document Uploaded.  - Seller-06/17/2024

Resolved-Borrower 1 Ethnicity Selection is Provided - Due Diligence Vendor-06/18/2024

XXXX

LA

Primary Residence

Refinance

Cash Out - Other

1831453

N/A

N/A

XXXX

xxxxxx4633

Closed

2024-06-14 08:39

2024-06-18 18:54

Resolved

1 - Information

D

A

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/18/2024 Ready for Review-Page 15 in original package - Seller-06/17/2024 Open-The 1008 document is missing from the loan file. Required Proof of Other Expenses which is showing on 1008 of $83.50, as unable to verify the payment. Due to which calculated DTI showing 48.94% and HTI is 16.88%. which is within tolerance. - Due Diligence Vendor-06/14/2024

Ready for Review-Page 15 in original package - Seller-06/17/2024

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-06/18/2024

LA

Primary Residence

Refinance

Cash Out - Other

1832014

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-03 09:18

2024-07-31 19:44

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived-XXXX approves exception - Due Diligence Vendor-07/11/2024 Ready for Review-XXXX approves exception, ok to proceed. - Seller-07/09/2024 Open-Audited Reserves of 2.67 month(s) are less than Guideline Required Reserves of 3 month(s) Exception Approval on XXXX by XXXX on page 810.  Exception Reason: Month Reserves- Loan File 2.67 months, GL Requirement 3 months  - Due Diligence Vendor-07/03/2024

Ready for Review-XXXX approves exception, ok to proceed. - Seller-07/09/2024

Waived-XXXX approves exception - Due Diligence Vendor-07/11/2024

XXXX

DTI - Loan File 14.01%. GL Requirement Max. 50% Residual Income- Loan File $49,240.99. GL Requirement Min. $1500+$1050 (7x $150) =$2550 Housing History- Loan File 0X30X12, GL Requirement 1X30X12 Job Stability- Loan File SE since 2014, GL Requirement SE 2 years

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1925832

Originator Post-Close

Yes

XXXX

xxxxx3873

Closed

2024-07-10 13:17

2024-07-16 11:33

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 805 and the Final Closing disclosure on page 505 reflects escrows. Rate lock date was entered correctly – see page 813. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see page Findings page 73 and copy of the appraisal was given to the borrower – see page 104. The loan meets HPML guidelines. - Due Diligence Vendor-07/16/2024 Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 805 and the Final Closing disclosure on page 505 reflects escrows. Rate lock date was entered correctly – see page 813. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see page Findings page 73 and copy of the appraisal was given to the borrower – see page 104. The loan meets HPML guidelines. - Due Diligence Vendor-07/16/2024 Ready for Review-Document Uploaded.  - Seller-07/12/2024 Counter-Provide the Appraisal Disclosure Notices examples: NOTICE OF RIGHT TO RECEIVE COPY OF WRITTEN APPRAISAL/VALUATION, NOTICE OF RIGHT TO COPY OF APPRAISAL (ECOA)  - Due Diligence Vendor-07/11/2024 Ready for Review-Document Uploaded. Sent XXXX loan closed XXXX. - Seller-07/10/2024 Open-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 805 and the Final Closing disclosure on page 505 reflects escrows. Rate lock date was entered correctly – see page 813. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see page Missing and copy of the appraisal was given to the borrower – see page 104. The loan does not meet HPML guidelines.  Provide the appraisal disclosure to the borrower - Due Diligence Vendor-07/10/2024 Open-The loan's (9.488%) APR equals or exceeds the Federal HPML threshold of (8.69%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.19%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-07/10/2024

Ready for Review-Document Uploaded.  - Seller-07/12/2024  Ready for Review-Document Uploaded. Sent XXXX loan closed XXXX - Seller-07/10/2024

Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 805 and the Final Closing disclosure on page 505 reflects escrows. Rate lock date was entered correctly – see page 813. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see page Findings page 73 and copy of the appraisal was given to the borrower – see page 104. The loan meets HPML guidelines. - Due Diligence Vendor-07/16/2024  Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 805 and the Final Closing disclosure on page 505 reflects escrows. Rate lock date was entered correctly – see page 813. An interior and exterior appraisal was completed for this property – see page 12, the appraisal disclosure was provided to the borrower(s)- see page Findings page 73 and copy of the appraisal was given to the borrower – see page 104. The loan meets HPML guidelines. - Due Diligence Vendor-07/16/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1960014

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-10 13:17

2024-07-16 11:32

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-07/16/2024 Open-Provide COC for the increase in the Broker Fees iao $8600 on the FInal CD - Due Diligence Vendor-07/10/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-07/10/2024

Resolved- - Due Diligence Vendor-07/16/2024

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1960012

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-10 13:17

2024-07-16 11:32

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved- - Due Diligence Vendor-07/16/2024 Ready for Review-Document Uploaded.  - Seller-07/12/2024 Open-Provide COC for the increase in the Broker Fees iao $8600 on the FInal CD - Due Diligence Vendor-07/10/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-07/10/2024

Ready for Review-Document Uploaded.  - Seller-07/12/2024

Resolved- - Due Diligence Vendor-07/16/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1960013

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-11 12:43

2024-07-16 11:28

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Received Revised Loan Estimates for 3/25/2024, 4/5/2024 and 5/1/2024.  Finding Resolved - Due Diligence Vendor-07/16/2024 Open-Provide the Revised Loan Estimates for 3/25/2024, 4/5/2024 and 5/1/2024 and any related COC's - Due Diligence Vendor-07/11/2024

Resolved-Received Revised Loan Estimates for 3/25/2024, 4/5/2024 and 5/1/2024.  Finding Resolved - Due Diligence Vendor-07/16/2024

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1967870

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-10 13:22

2024-07-11 12:40

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Disclosure Tracking Summary Received.  Finding Resolved - Due Diligence Vendor-07/11/2024 Ready for Review-Document Uploaded.  - Seller-07/10/2024 Open-TRID: Missing Closing Disclosure Provide Disclosure Tracking Summary - Due Diligence Vendor-07/10/2024

Ready for Review-Document Uploaded.  - Seller-07/10/2024

Resolved-Disclosure Tracking Summary Received.  Finding Resolved - Due Diligence Vendor-07/11/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1960062

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-08 17:39

2024-07-11 12:33

Resolved

1 - Information

D

A

Credit

Missing Doc

File does not contain all required Asset Statement(s)

Resolved-Asset Worksheet Received.  Finding Resolved - Due Diligence Vendor-07/11/2024 Ready for Review-Document Uploaded.  - Seller-07/10/2024 Open-Provide Asset Worksheet - Due Diligence Vendor-07/08/2024

Ready for Review-Document Uploaded.  - Seller-07/10/2024

Resolved-Asset Worksheet Received.  Finding Resolved - Due Diligence Vendor-07/11/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1947191

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-03 15:07

2024-07-10 12:36

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE Received.  Finding Resolved - Due Diligence Vendor-07/10/2024 Ready for Review-Document Uploaded.  - Seller-07/09/2024 Open-Provide Initial LE and any related documents - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/09/2024

Resolved-Initial LE Received.  Finding Resolved - Due Diligence Vendor-07/10/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1927971

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-03 08:25

2024-07-10 12:33

Resolved

1 - Information

C

A

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Updated Title Policy received.  Finding Resolved - Due Diligence Vendor-07/10/2024 Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/10/2024 Ready for Review-Document Uploaded.  - Seller-07/09/2024 Open-Title Coverage Amount of $XX is Less than Total Amount of Subject Lien(s) Title Coverage Amount of $XX is Less than Total Amount of Subject Lien(s) iao $XXXX Provide updated Title Policy with correct coverage amount - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/09/2024

Resolved-Updated Title Policy received.  Finding Resolved - Due Diligence Vendor-07/10/2024  Resolved-Title Coverage Amount of $XXXX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-07/10/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1925751

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-08 17:29

2024-07-10 12:27

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/10/2024 Resolved-VVOE Received.  Finding Resolved - Due Diligence Vendor-07/10/2024 Ready for Review-Document Uploaded.  - Seller-07/09/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing Per GL, an independent verification of the business existence within 10 business days of closing will be performed.  Provide VVOE that is within 10 business days of XXXX closing date. - Due Diligence Vendor-07/08/2024

Ready for Review-Document Uploaded.  - Seller-07/09/2024

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/10/2024  Resolved-VVOE Received.  Finding Resolved - Due Diligence Vendor-07/10/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1947112

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-08 18:36

2024-07-10 12:27

Resolved

1 - Information

C

A

Credit

Guidelines

Loan file missing additional major consumer credit or mortgage account.

Resolved-Received documentation for XXXX and XXXX installment loans.  Finding Resolved - Due Diligence Vendor-07/10/2024 Ready for Review-Document Uploaded.  - Seller-07/09/2024 Open-Provide documentation for the XXXX Installment account iao $25,000 with a monthly payment of $485.29 and the XXXX installment account iao $10,000 with a monthly payment of $91.00 - Due Diligence Vendor-07/08/2024

Ready for Review-Document Uploaded.  - Seller-07/09/2024

Resolved-Received documentation for XXXX and XXXX installment loans.  Finding Resolved - Due Diligence Vendor-07/10/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1947746

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-08 17:13

2024-07-10 12:19

Resolved

1 - Information

B

A

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Missing

Resolved-ABA Received.  Finding Resolved - Due Diligence Vendor-07/10/2024 Ready for Review-Document Uploaded.  - Seller-07/09/2024 Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-07/08/2024

Ready for Review-Document Uploaded.  - Seller-07/09/2024

Resolved-ABA Received.  Finding Resolved - Due Diligence Vendor-07/10/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1947003

N/A

N/A

XXXX

xxxxx3873

Closed

2024-07-08 17:14

2024-07-10 12:17

Resolved

1 - Information

C

A

Compliance

Disclosure

Missing Intent to Proceed

Resolved-Intent to Proceed received.  Finding Resolved - Due Diligence Vendor-07/10/2024 Ready for Review-Document Uploaded.  - Seller-07/09/2024 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed Disclosure. - Due Diligence Vendor-07/08/2024

Ready for Review-Document Uploaded.  - Seller-07/09/2024

Resolved-Intent to Proceed received.  Finding Resolved - Due Diligence Vendor-07/10/2024

XXXX

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1947009

N/A

N/A

XXXX

xxxxx5656

Closed

2024-07-03 16:35

2024-08-08 15:54

Waived

2 - Non-Material

C

B

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-XXXX approves exception. - Due Diligence Vendor-07/16/2024 Ready for Review-Document Uploaded.  - Seller-07/12/2024 Open-Borrower Type ineligible per program guidelines. Document Uploaded. Note was signed by borrower, XXXX as Managing Member on behalf of XXXX per Title, and Business Entity Docs) Provide Exception Approval - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/12/2024

Waived-XXXX approves exception. - Due Diligence Vendor-07/16/2024

XXXX

Borrower executed personal guaranty in file FICO Score - Loan File FICO 696, GL Requirement FICO 680 Reserves- Loan File Reserves 82.33 months, GL Requirement Min 2 months Housing History- Loan File 0x30x12, GL Requirement 1x30x12

FL

Investment

Refinance

Cash Out - Other

1928922

Originator Post-Close

Yes

XXXX

xxxxx5656

Closed

2024-07-03 14:35

2024-08-01 11:09

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/01/2024 Resolved-Updated DOT provided. Resolved - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Seller-07/31/2024 Open-The Deed of Trust is Missing DOT is Present; however, the Borrower signed DOT on behalf of XXXX and Vesting is reflected as XXXX on the DOT.  The Certificate of Reinstatement page 92, SOS on page 95 and Title Commitment reflect XXXX as the Business Entity Name.  Provide corrected DOT to reflect correct business name of XXXX - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/31/2024

Resolved-The Deed of Trust is Present - Due Diligence Vendor-08/01/2024  Resolved-Updated DOT provided. Resolved - Due Diligence Vendor-08/01/2024

XXXX

FL

Investment

Refinance

Cash Out - Other

1927517

N/A

N/A

XXXX

xxxxx5656

Closed

2024-07-03 14:29

2024-08-01 09:41

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Note is Incomplete

Resolved-Updated note provided. Resolved - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Seller-07/31/2024 Open-The Note is Incomplete Borrower signed Note on behalf of XXXX; however, the Business Entity Name as per Certificate of Reinstatement page 92, SOS on page 95 and Title Commitment on page 305 reflect XXXX.  Provide corrected Note to reflects correct business name of XXXX - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/31/2024

Resolved-Updated note provided. Resolved - Due Diligence Vendor-08/01/2024

XXXX

FL

Investment

Refinance

Cash Out - Other

1927472

N/A

N/A

XXXX

xxxxx5656

Closed

2024-07-03 16:24

2024-08-01 09:33

Resolved

1 - Information

C

A

Credit

Credit

Guarantor Recourse Document is missing

Resolved-Guaranty doc provided. Resolved - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Seller-07/31/2024 Open-Provide Personal Guaranty - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/31/2024

Resolved-Guaranty doc provided. Resolved - Due Diligence Vendor-08/01/2024

XXXX

FL

Investment

Refinance

Cash Out - Other

1928808

N/A

N/A

XXXX

xxxxx5656

Closed

2024-07-03 16:23

2024-07-08 12:02

Resolved

1 - Information

B

A

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Missing

Resolved-ABA Received.  Finding Resolved - Due Diligence Vendor-07/08/2024 Ready for Review-Document Uploaded.  - Seller-07/05/2024 Open-Provide Affiliated Business Arrangement Disclosure  - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/05/2024

Resolved-ABA Received.  Finding Resolved - Due Diligence Vendor-07/08/2024

XXXX

FL

Investment

Refinance

Cash Out - Other

1928800

N/A

N/A

XXXX

xxxxx5937

Closed

2024-07-15 11:05

2024-07-23 18:00

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Disclosure Tracking Summary received.  Finding Resolved - Due Diligence Vendor-07/23/2024 Ready for Review-Document Uploaded.  - Seller-07/23/2024 Open-TRID: Missing Closing Disclosure Provide executed/e-signed initial CD  - Due Diligence Vendor-07/15/2024

Ready for Review-Document Uploaded.  - Seller-07/23/2024

Resolved-Disclosure Tracking Summary received.  Finding Resolved - Due Diligence Vendor-07/23/2024

XXXX

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

1985934

N/A

N/A

XXXX

xxxxx5937

Closed

2024-07-19 13:19

2024-07-23 17:59

Resolved

1 - Information

D

A

Credit

Missing Doc

File does not contain all required Asset Statement(s)

Resolved-Asset Worksheet received. Finding Resolved - Due Diligence Vendor-07/23/2024 Ready for Review-Document Uploaded.  - Seller-07/23/2024 Open-Provide Asset Worksheet - Due Diligence Vendor-07/19/2024

Ready for Review-Document Uploaded.  - Seller-07/23/2024

Resolved-Asset Worksheet received. Finding Resolved - Due Diligence Vendor-07/23/2024

XXXX

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2020026

N/A

N/A

XXXX

xxxxx5942

Closed

2024-07-09 06:44

2024-07-18 13:42

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 W2/1099 Missing

Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/18/2024 Resolved-Per Investors, WVOE and tax returns used in lieu of stubs/w2s.  Finding Resolved - Due Diligence Vendor-07/18/2024 Ready for Review-WVOE and tax returns used in lieu of stubs/w2s. - Seller-07/16/2024 Open-Borrower 1 W2/1099 Missing Provide 1 yr of W2 for ITIN borrowers as per XXXX matrix - Due Diligence Vendor-07/09/2024

Ready for Review-WVOE and tax returns used in lieu of stubs/w2s. - Seller-07/16/2024

Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-07/18/2024  Resolved-Per Investors, WVOE and tax returns used in lieu of stubs/w2s.  Finding Resolved - Due Diligence Vendor-07/18/2024

CA

Primary Residence

Purchase

NA

1950659

N/A

N/A

XXXX

xxxxx5942

Closed

2024-07-11 17:03

2024-07-18 13:37

Resolved

1 - Information

C

A

Credit

Assets

Asset General

Resolved-Evidence of Gift Funds.  Finding Resolved. - Due Diligence Vendor-07/18/2024 Ready for Review-Document Uploaded.  - Seller-07/16/2024 Open-Per GL, when the funds are not transferred prior to closing, it must be documented that the donor gave the closing agent the gift funds in the form of a certified check, a cashier’s check, money order, or wire transfer.  Provide supporting documentation for the $8,000 and the $10,000 Gift Funds - Due Diligence Vendor-07/11/2024

Ready for Review-Document Uploaded.  - Seller-07/16/2024

Resolved-Evidence of Gift Funds.  Finding Resolved. - Due Diligence Vendor-07/18/2024

XXXX

CA

Primary Residence

Purchase

NA

1970282

N/A

N/A

XXXX

xxxx4756

Closed

2024-07-01 09:48

2024-07-05 11:21

Resolved

1 - Information

D

A

Credit

Missing Doc

1008 Document is Missing

Resolved-Resolved- Updated Supporting document 1008 with PI amount. - Due Diligence Vendor-07/05/2024 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/05/2024 Ready for Review-Document Uploaded.  - Seller-07/03/2024 Open-The 1008 document is missing from the loan file. Updated 1008 required DTI should be on the fully amortized payment $23785.49 not the IO payment $22165.97 which would make the DTIs: 35.77%/42.02% Income on 1008 is showing $79,428.77, whereas final 1003 and conditional approval shows $79,176.12. - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/03/2024

Resolved-Resolved- Updated Supporting document 1008 with PI amount. - Due Diligence Vendor-07/05/2024  Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-07/05/2024

XXXX

AZ

Primary Residence

Purchase

NA

1911798

N/A

N/A

XXXX

xxxx4756

Closed

2024-07-01 11:56

2024-07-05 09:56

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Resolved- Updated Supporting document VOR shows 2 yrs. 11 months. - Due Diligence Vendor-07/05/2024 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/05/2024 Open-Housing History Does Not Meet Guideline Requirements - Due Diligence Vendor-07/05/2024 Ready for Review-Document Uploaded.  - Seller-07/03/2024 Open-Housing History Does Not Meet Guideline Requirements Required 12 months Borrowers current Housing History or VOR. - Due Diligence Vendor-07/03/2024

Ready for Review-Document Uploaded.  - Seller-07/03/2024

Resolved-Resolved- Updated Supporting document VOR shows 2 yrs. 11 months. - Due Diligence Vendor-07/05/2024  Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-07/05/2024

XXXX

AZ

Primary Residence

Purchase

NA

1912071

N/A

N/A

XXXX

xxxxxx3735

Closed

2024-07-16 21:22

2024-08-07 07:18

Resolved

1 - Information

C

A

Credit

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA

Resolved-Resolved, Post Disaster Inspection Report provided with inspection date of XXXX which is after the incident end date 07/09/2024.  - Due Diligence Vendor-08/07/2024 Ready for Review-Document Uploaded. Please see the attached PDI. - Buyer-08/06/2024 Open-Property potentially affected by FEMA Disaster. XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.  - Due Diligence Vendor-07/16/2024

Resolved-Resolved, Post Disaster Inspection Report provided with inspection date of XXXX which is after the incident end date XXXX.  - Due Diligence Vendor-08/07/2024

XXXX

TX

Investment

Purchase

NA

2000187

N/A

N/A

XXXX

xxxxxx3735

Closed

2024-07-03 07:20

2024-08-01 10:15

Resolved

1 - Information

D

A

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-1.50% of sales price used being a new construction property. Resolved - Due Diligence Vendor-08/01/2024 Ready for Review-We used the New construction guidelines for the taxes. Real Estate Taxes are based on standard tax estimation methods. No change to be made to the Underwriter's tax amount.1.50% of the sales price. $ 449.87. 11.8.19 NEW CONSTRUCTION The following are required for all new construction properties: ☐ Appraisal Update and/or Completion Report (FNMA Form 1004D) with complete interior and exterior photos reflecting completion, if applicable. Proposed improvements are not allowed. ☐ Property taxes for new construction are calculated at 1.5% of the sales price for qualification. 1.25% should be used for properties located in CA. - Buyer-07/31/2024 Open-Missing Evidence of Property Tax Tax Cert Missing in file please provided updated tax cert with correct amount. - Due Diligence Vendor-07/03/2024

Resolved-1.50% of sales price used being a new construction property. Resolved - Due Diligence Vendor-08/01/2024

TX

Investment

Purchase

NA

1925586

N/A

N/A

XXXX

xxxxxx3735

Closed

2024-07-03 07:32

2024-08-01 10:14

Resolved

1 - Information

C

A

Credit

Credit

DSCR unknown

Resolved-DSCR matching now by considering 80% of monthly gross rental income and 1.50% of sales price being a new construction property. Resolved - Due Diligence Vendor-08/01/2024 Ready for Review-We used the New construction guidelines for the taxes. Real Estate Taxes are based on standard tax estimation methods. No change to be made to the Underwriter's tax amount.1.50% of the sales price. $ 449.87. 11.8.19 NEW CONSTRUCTION The following are required for all new construction properties: ☐ Appraisal Update and/or Completion Report (FNMA Form 1004D) with complete interior and exterior photos reflecting completion, if applicable. Proposed improvements are not allowed. ☐ Property taxes for new construction are calculated at 1.5% of the sales price for qualification. 1.25% should be used for properties located in CA. - Buyer-07/31/2024 Open-Rent Amount consider from Short-term rental on page#103 $47,713/12= $3,976 monthly and Tax cert missing so DSCR not matching. - Due Diligence Vendor-07/03/2024

Resolved-DSCR matching now by considering 80% of monthly gross rental income and 1.50% of sales price being a new construction property. Resolved - Due Diligence Vendor-08/01/2024

TX

Investment

Purchase

NA

1925615

N/A

N/A

XXXX

xxxxxx3739

Closed

2024-07-16 21:23

2024-08-07 08:41

Resolved

1 - Information

C

A

Credit

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA

Resolved-Property Inspection date XXXX is after disaster incident End date for TX is  XXXX .verifying No  Disaster related damage to the subject property with Exterior photos, verified & entered in system. Resolved  - Due Diligence Vendor-08/07/2024 Ready for Review-Document Uploaded. Please see the attached PDI - Buyer-08/06/2024 Open-Property potentially affected by FEMA Disaster. XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required.  - Due Diligence Vendor-07/16/2024

Resolved-Property Inspection date XXXX is after disaster incident End date for TX is  XXXX .verifying No  Disaster related damage to the subject property with Exterior photos, verified & entered in system. Resolved  - Due Diligence Vendor-08/07/2024

XXXX

TX

Investment

Purchase

NA

2000193

N/A

N/A

XXXX

xxxxxx3739

Closed

2024-07-03 06:22

2024-08-01 10:21

Resolved

1 - Information

D

A

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-1.50% of sales price used being a new construction property. Resolved  - Due Diligence Vendor-08/01/2024 Ready for Review-We used the New construction guidelines for the taxes. Real Estate Taxes are based on standard tax estimation methods. No change to be made to the Underwriter's tax amount.1.50% of the sales price $ 451.25. 11.8.19 NEW CONSTRUCTION The following are required for all new construction properties: ☐ Appraisal Update and/or Completion Report (FNMA Form 1004D) with complete interior and exterior photos reflecting completion, if applicable. Proposed improvements are not allowed. ☐ Property taxes for new construction are calculated at 1.5% of the sales price for qualification. 1.25% should be used for properties located in CA. - Buyer-07/31/2024 Open-Missing Evidence of Property Tax Tax amount is not matching in provided tax cert hence required updated tax cert. - Due Diligence Vendor-07/03/2024

Resolved-1.50% of sales price used being a new construction property. Resolved  - Due Diligence Vendor-08/01/2024

TX

Investment

Purchase

NA

1925387

N/A

N/A

XXXX

xxxxxx8279

Closed

2024-07-02 05:22

2024-07-05 14:10

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-COC provided- fell off report - Due Diligence Vendor-07/05/2024 Ready for Review-Document Uploaded. COC uploaded for review  - Buyer-07/02/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Desktop Appraisal fee on Section B was increased from initial CD  amount $0 to Revised CD amount $250 a lender credit or valid change of circumstance was not provided  - Due Diligence Vendor-07/02/2024

Resolved-COC provided- fell off report - Due Diligence Vendor-07/05/2024

XXXX

CA

Primary Residence

Purchase

NA

1917586

N/A

N/A

XXXX

xxxxxx8279

Closed

2024-07-02 05:22

2024-07-05 14:10

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-COC provided- fell off report - Due Diligence Vendor-07/05/2024 Ready for Review-Document Uploaded. Coc uploaded for review  - Buyer-07/02/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Desk Review Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Desktop Appraisal fee on Section B was increased from initial CD  amount $0 to Revised CD amount $250 a lender credit or valid change of circumstance was not provided - Due Diligence Vendor-07/02/2024

Resolved-COC provided- fell off report - Due Diligence Vendor-07/05/2024

XXXX

CA

Primary Residence

Purchase

NA

1917584

N/A

N/A

XXXX

xxxxx5977

Closed

2024-07-10 06:30

2024-07-31 19:51

Waived

2 - Non-Material

C

B

Credit

Income/Employment

Income/Employment General

Waived-XXXX agrees with exception - Due Diligence Vendor-07/22/2024 Ready for Review-XXXXagrees with exception, ok to proceed. - Seller-07/18/2024 Open-Exception on pg:502 Exception Request: Borrower is having 1.11 years of experience in his 2nd job, as per guideline required is 2 years. - Due Diligence Vendor-07/10/2024

Ready for Review-XXXX agrees with exception, ok to proceed. - Seller-07/18/2024

Waived-XXXXagrees with exception - Due Diligence Vendor-07/22/2024

Compensating Factors: 1. FICO score is 767 - minimum is 700 2. 80% LTV - maximum is 85% 3. 6.38 months reserves - 3 months minimum

CA

Primary Residence

Purchase

NA

1958491

Originator Pre-Close

Yes

XXXX

xxxxx5977

Closed

2024-07-10 06:32

2024-07-22 16:39

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received the document - Due Diligence Vendor-07/22/2024 Ready for Review-Document Uploaded.  - Seller-07/18/2024 Open-TRID: Missing Closing Disclosure Initial C.D is missing in file, hence compliance not tested. - Due Diligence Vendor-07/10/2024

Ready for Review-Document Uploaded.  - Seller-07/18/2024

Resolved-Received the document - Due Diligence Vendor-07/22/2024

XXXX

CA

Primary Residence

Purchase

NA

1958495

N/A

N/A

XXXX

xxxxx6173

Closed

2024-07-12 06:59

2024-07-19 12:00

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing VOM or VOR

Resolved-Additional 6 Months Reserves utilized in lieu of housing history - Resolved - Due Diligence Vendor-07/19/2024 Ready for Review-Document Uploaded. See 1008, extra reserves utilized in lieu of housing history. - Seller-07/18/2024 Open-VOR/VOM Doc Status should not be 'Missing'. Request you to provide VOR/VOM - Due Diligence Vendor-07/12/2024

Ready for Review-Document Uploaded. See 1008, extra reserves utilized in lieu of housing history. - Seller-07/18/2024

Resolved-Additional 6 Months Reserves utilized in lieu of housing history - Resolved - Due Diligence Vendor-07/19/2024

XXXX

AZ

Primary Residence

Purchase

NA

1974248

N/A

N/A

XXXX

xxxxx6210

Closed

2024-07-30 13:55

2024-08-01 12:18

Resolved

1 - Information

D

A

Credit

Missing Doc

File does not contain all required Asset Statement(s)

Resolved-Asset Worksheet Received.  FInding Resolved - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Seller-07/30/2024 Open-Provide Asset Worksheet - Due Diligence Vendor-07/30/2024

Ready for Review-Document Uploaded.  - Seller-07/30/2024

Resolved-Asset Worksheet Received.  FInding Resolved - Due Diligence Vendor-08/01/2024

XXXX

FL

Investment

Purchase

NA

2084527

N/A

N/A

XXXX

xxxxx6106

Closed

2024-07-24 17:12

2024-08-07 16:49

Resolved

1 - Information

C

A

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Resolved-Audited Reserves of 3.62 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-08/07/2024 Resolved-Business accounts used for reserves. Spousal accounts only used for down payment and costs. Updated Asset page.  Finding Resolved - Due Diligence Vendor-08/07/2024 Ready for Review-Business accounts used for reserves.  Spousal accounts only used for down payment and costs. - Seller-08/05/2024 Counter-Document Uploaded. Per XXXX, Accounts held solely in the name of a non-borrowing spouse may be used for down payment and closing costs only and are subject to the standard seasoning requirements. • Accounts held solely in the name of a non-borrowing spouse may not be used to meet reserve requirements. Asset Worksheet and Final 1003 reflect XXXX - XXXX page 147, 155 and XXXX -XXXX and-XXXX page 170, 175, 202, 206; however, the accounts are in the name of XXXX (spouse) and cannot be used to meet reserve requirements - Due Diligence Vendor-08/01/2024 Ready for Review-Marital proof not required, but she's listed on contract and on the LLC. - Seller-07/30/2024 Open-Audited Reserves of  month(s) are less than Guideline Required Reserves of 2 month(s) Per Matrix, Accounts held solely in the name of a non-borrowing spouse may be used for down payment and closing costs only and are subject to the standard seasoning requirements. • Accounts held solely in the name of a non-borrowing spouse may not be used to meet reserve requirements. Asset Worksheet and Final 1003 reflect XXXX - XXXX page 147, 155 and XXXX -XXXX and-XXXX page 170, 175, 202, 206; however, the accounts are in the name of XXXX. Provide LOX access letter, evidence of joint account or evidence of marriage status to account holder in order to update reserves. - Due Diligence Vendor-07/24/2024

Ready for Review-Business accounts used for reserves.  Spousal accounts only used for down payment and costs. - Seller-08/05/2024  Ready for Review-Marital proof not required, but she's listed on contract and on the LLC. - Seller-07/30/2024

Resolved-Audited Reserves of 3.62 month(s) are greater than or equal to Guideline Required Reserves of 2 month(s) - Due Diligence Vendor-08/07/2024  Resolved-Business accounts used for reserves. Spousal accounts only used for down payment and costs. Updated Asset page.  Finding Resolved - Due Diligence Vendor-08/07/2024

XXXX

Credit Score - Loan File 657, GL Requirement Min 640 Housing History- Loan File 0*30*24 months, GL Requirement 1*30*12 DSCR- Loan File 1.001. GL Requirement Min 1

FL

Investment

Purchase

NA

2049064

N/A

N/A

XXXX

xxxxx6106

Closed

2024-07-22 07:24

2024-07-29 17:14

Waived

2 - Non-Material

C

B

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-Exception Approved - Due Diligence Vendor-07/29/2024 Ready for Review-Document Uploaded.  - Seller-07/26/2024 Open-Borrower Type ineligible per program guidelines. Document Uploaded. The Note is signed by XXXX - MANAGING MEMBER on behalf on Business Entity, XXXX. Provide Exception. - Due Diligence Vendor-07/22/2024

Ready for Review-Document Uploaded.  - Seller-07/26/2024

Waived-Exception Approved - Due Diligence Vendor-07/29/2024

XXXX

Personal Guaranty with full recourse executed by borrower present in file FICO Score - Loan File 657, GL Requirement 640 Housing History 0x30x24 months, GL Requirement 1x30x12months

FL

Investment

Purchase

NA

2028811

Originator Post-Close

Yes

XXXX

xxxxx6106

Closed

2024-07-22 07:26

2024-07-29 11:38

Resolved

1 - Information

C

A

Compliance

Compliance

Missing HUD-1 page, illegible

Resolved-Clearer copy of HUD and Alta Statement Received.  Finding Resolved - Due Diligence Vendor-07/29/2024 Ready for Review-Document Uploaded.  - Seller-07/26/2024 Open-HUD-1 is ineligible unable to verify values. Provide clear copy of the HUD-1 - Due Diligence Vendor-07/22/2024

Ready for Review-Document Uploaded.  - Seller-07/26/2024

Resolved-Clearer copy of HUD and Alta Statement Received.  Finding Resolved - Due Diligence Vendor-07/29/2024

XXXX

FL

Investment

Purchase

NA

2028815

N/A

N/A

XXXX

xxxxx6106

Closed

2024-07-25 18:34

2024-07-29 11:23

Resolved

1 - Information

D

A

Credit

Eligibility

Prepayment Penalty Does Not Meet Guideline Requirements

Resolved-XXXX confirms that less than 3 yrs PPP is allowed.  Finding resolved - Due Diligence Vendor-07/29/2024 Ready for Review-XXXX confirms that less than 3 yrs PPP is allowed. - Seller-07/26/2024 Open-Per the 04/10/2024 Matrix, the Prepayment Penalty reflects 6 Months interest on 80% of original principal balance with 3-year standard term; however, the Note Addendum and PPP Rider reflect Prepayment Penalty of 6 Months interest on 80% of original principal balance with a 2-year standard term.  Provide evidence of buydown, LOX or confirmation that the 2 year PPP is allowed. - Due Diligence Vendor-07/25/2024

Ready for Review-XXXX confirms that less than 3 yrs PPP is allowed. - Seller-07/26/2024

Resolved-XXXXconfirms that less than 3 yrs PPP is allowed.  Finding resolved - Due Diligence Vendor-07/29/2024

FL

Investment

Purchase

NA

2058606

N/A

N/A

XXXX

xxxxx5755

Closed

2024-07-18 19:32

2024-08-01 23:53

Waived

2 - Non-Material

C

B

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-Exception approved. - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Seller-07/30/2024 Open-Borrower Type ineligible per program guidelines. Document Uploaded. Per Note, borrower XXXX - MANAGING MEMBER signed on behalf of business entity, XXXX Provide exception - Due Diligence Vendor-07/18/2024

Ready for Review-Document Uploaded.  - Seller-07/30/2024

Waived-Exception approved. - Due Diligence Vendor-08/01/2024

XXXX

LTV- Loan File 75%, GL Requirement Max LTV 80% Reserves- Loan File 38.24 Months, GL Requirement Min 3 Months Credit Score- Loan File 789, GL Requirement Min 700 DSCR -Loan File 1.226, GL Requirement Min 1.00 Personal Guaranty with full recourse executed by borrower present in file

IL

Investment

Purchase

NA

2016852

Originator Post-Close

Yes

XXXX

xxxxx5755

Closed

2024-07-18 20:10

2024-07-23 18:51

Resolved

1 - Information

C

A

Compliance

Disclosure

Data Discrepancy: Prepayment Penalty on Closing Disclosure Incorrect

Resolved-Updated HUD reflecting PPP iao $4938.75.  Finding Resolved - Due Diligence Vendor-07/23/2024 Ready for Review-Document Uploaded. Updated HUD-1 attached. - Seller-07/23/2024 Open-Prepayment Penalty on Closing Disclosure does not match the prepayment penalty calculation on the Note. Note PPP calculation reflects $4938.75; however, the HUD reflects PPP iao $4856.44, Provide updated HUD - Due Diligence Vendor-07/18/2024

Ready for Review-Document Uploaded. Updated HUD-1 attached. - Seller-07/23/2024

Resolved-Updated HUD reflecting PPP iao $4938.75.  Finding Resolved - Due Diligence Vendor-07/23/2024

XXXX

IL

Investment

Purchase

NA

2017156

N/A

N/A

XXXX

xxxxx5755

Closed

2024-07-18 20:10

2024-07-23 18:50

Resolved

1 - Information

C

A

Compliance

TRID

Final CD: Prepayment Penalty is missing or inaccurate

Resolved-Updated HUD reflects PPP iao $4938.75 - Due Diligence Vendor-07/23/2024 Ready for Review-Document Uploaded. Corrected HUD-1 attached. - Seller-07/23/2024 Open-Note PPP calculation reflects $4938.75; however, the HUD reflects PPP iao $4856.44 - Due Diligence Vendor-07/18/2024

Ready for Review-Document Uploaded. Corrected HUD-1 attached. - Seller-07/23/2024

Resolved-Updated HUD reflects PPP iao $4938.75 - Due Diligence Vendor-07/23/2024

XXXX

IL

Investment

Purchase

NA

2017167

N/A

N/A

XXXX

xxxxx5755

Closed

2024-07-18 20:05

2024-07-23 18:48

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/23/2024 Resolved-Rate Lock Received.  Finding Resolved - Due Diligence Vendor-07/23/2024 Ready for Review-Document Uploaded.  - Seller-07/23/2024 Open-Evidence of Rate Lock Missing Provide evidence of rate lock - Due Diligence Vendor-07/18/2024

Ready for Review-Document Uploaded.  - Seller-07/23/2024

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-07/23/2024  Resolved-Rate Lock Received.  Finding Resolved - Due Diligence Vendor-07/23/2024

XXXX

IL

Investment

Purchase

NA

2017130

N/A

N/A

XXXX

xxxxx5755

Closed

2024-07-18 20:03

2024-07-23 18:46

Resolved

1 - Information

B

A

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Missing

Resolved-ABA received.  Finding Resolved - Due Diligence Vendor-07/23/2024 Ready for Review-Document Uploaded.  - Seller-07/23/2024 Open-Provide Affiliated Business Arrangement Disclosure - Due Diligence Vendor-07/18/2024

Ready for Review-Document Uploaded.  - Seller-07/23/2024

Resolved-ABA received.  Finding Resolved - Due Diligence Vendor-07/23/2024

XXXX

IL

Investment

Purchase

NA

2017116

N/A

N/A

XXXX

xxxxxx1108

Closed

2024-07-12 05:44

2024-07-26 09:41

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-3rd Part VOE uploaded, verified & entered in System - Resolved.  - Due Diligence Vendor-07/26/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/26/2024 Ready for Review-Document Uploaded.  - Seller-07/25/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing Borrower 1 3rd Party VOE Prior to Close are missing from Borrower's employer - XXXX, XXXX and from XXXX. - Due Diligence Vendor-07/12/2024

Ready for Review-Document Uploaded.  - Seller-07/25/2024

Resolved-3rd Part VOE uploaded, verified & entered in System - Resolved.  - Due Diligence Vendor-07/26/2024  Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-07/26/2024

XXXX

IL

Primary Residence

Purchase

NA

1974124

N/A

N/A

XXXX

xxxxxx1108

Closed

2024-07-12 07:16

2024-07-24 22:20

Resolved

1 - Information

C

A

Credit

Credit

Lender Approval Form is Missing

Resolved-XXXX loan program information sheet with first lien matrix version date reflect provided, resolved.  - Due Diligence Vendor-07/24/2024 Ready for Review-Document Uploaded.  - Seller-07/24/2024 Open-Matix version date on Loan program information is missing. - Due Diligence Vendor-07/12/2024

Ready for Review-Document Uploaded.  - Seller-07/24/2024

Resolved-XXXX loan program information sheet with first lien matrix version date reflect provided, resolved.  - Due Diligence Vendor-07/24/2024

XXXX

IL

Primary Residence

Purchase

NA

1974275

N/A

N/A

XXXX

xxxxxx9107

Closed

2024-07-17 12:06

2024-07-24 21:02

Resolved

1 - Information

C

A

Compliance

Disclosure

Missing Intent to Proceed

Resolved-ITP received and updated to disclosure page, resolved.  - Due Diligence Vendor-07/24/2024 Ready for Review-Document Uploaded.  - Seller-07/23/2024 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Request to provide Intent to Proceed Disclosure.  - Due Diligence Vendor-07/17/2024

Ready for Review-Document Uploaded.  - Seller-07/23/2024

Resolved-ITP received and updated to disclosure page, resolved.  - Due Diligence Vendor-07/24/2024

XXXX

WA

Primary Residence

Purchase

NA

2002292

N/A

N/A

XXXX

xxxxxx9107

Closed

2024-07-17 12:04

2024-07-24 21:01

Resolved

1 - Information

D

A

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/24/2024 Ready for Review-Document Uploaded.  - Seller-07/23/2024 Open-Request to provide Home Ownership Counseling Disclosure. - Due Diligence Vendor-07/17/2024

Ready for Review-Document Uploaded.  - Seller-07/23/2024

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-07/24/2024

XXXX

WA

Primary Residence

Purchase

NA

2002279

N/A

N/A

XXXX

xxxxxx9107

Closed

2024-07-17 11:26

2024-07-24 12:25

Resolved

1 - Information

B

A

Credit

Doc Issue

Borrower Certification of Appraisal Delivery is Missing

Resolved-Borrower Certification of Appraisal Delivery uploaded, verified & entered in System - Resolved.  - Due Diligence Vendor-07/24/2024 Ready for Review-Document Uploaded.  - Seller-07/23/2024 Open-Request to provide Copy of BORROWER CERTIFICATION OF APPRAISAL DELIVERY. - Due Diligence Vendor-07/17/2024

Ready for Review-Document Uploaded.  - Seller-07/23/2024

Resolved-Borrower Certification of Appraisal Delivery uploaded, verified & entered in System - Resolved.  - Due Diligence Vendor-07/24/2024

XXXX

WA

Primary Residence

Purchase

NA

2002077

N/A

N/A

XXXX

xxxxxx4760

Closed

2024-07-24 06:16

2024-08-01 13:56

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-COC dated 7/2/2024 provided - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Buyer-07/31/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). The appraisal fee increased from $800 on the initial Loan Estimate dated 6/20/2024 to $1,000 on the initial CD dated 7/XX/2024.  The file did not contain a Change of Circumstance or Lender Credit in the amount of $200. - Due Diligence Vendor-07/24/2024

Resolved-COC dated 7/2/2024 provided - Due Diligence Vendor-08/01/2024

XXXX

NC

Primary Residence

Purchase

NA

2044575

N/A

N/A

XXXX

xxxxxx4760

Closed

2024-07-24 06:16

2024-08-01 13:56

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-COC dated 7/2/2024 provided - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Buyer-07/31/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Appraisal Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The appraisal fee increased from $800 on the initial Loan Estimate dated 6/20/2024 to $1,000 on the initial CD dated 7/XX/2024.  The file did not contain a Change of Circumstance or Lender Credit in the amount of $200. - Due Diligence Vendor-07/24/2024

Resolved-COC dated 7/2/2024 provided - Due Diligence Vendor-08/01/2024

XXXX

NC

Primary Residence

Purchase

NA

2044576

N/A

N/A

XXXX

xxxxxx4760

Closed

2024-07-24 06:16

2024-08-01 13:56

Waived

2 - Non-Material

B

B

Compliance

HigherPriced:APR

North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming)

Waived- - Due Diligence Vendor-08/01/2024 Waived-The loan's (10.966%) APR equals or exceeds the North Carolina Rate Spread Home Loan threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per external counsel it is appropriate to waive as a Grade B. - Due Diligence Vendor-07/24/2024

Waived-The loan's (10.966%) APR equals or exceeds the North Carolina Rate Spread Home Loan threshold of (8.43%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.93%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) Per external counsel it is appropriate to waive as a Grade B. - Due Diligence Vendor-07/24/2024

NC

Primary Residence

Purchase

NA

2044578

Originator Pre-Close

No

XXXX

xxxxxx4760

Closed

2024-07-24 05:31

2024-08-01 10:57

Resolved

1 - Information

C

A

Credit

Insurance

Hazard Insurance Effective Date is after the Note Date

Resolved-Updated HOI provided. Resolved - Due Diligence Vendor-08/01/2024 Ready for Review-Document Uploaded.  - Seller-07/31/2024 Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-07/24/2024

Ready for Review-Document Uploaded.  - Seller-07/31/2024

Resolved-Updated HOI provided. Resolved - Due Diligence Vendor-08/01/2024

XXXX

NC

Primary Residence

Purchase

NA

2044481

N/A

N/A

XXXX

xxxxxx2100

Closed

2024-07-25 14:29

2024-07-30 07:52

Resolved

1 - Information

C

A

Credit

Insurance

Inadequate Hazard Insurance Coverage - Hazard Insurance Coverage is less than all Subject Lien(s)and Replacement Cost Estimator by Insurer was not Provided

Resolved-Replacement Cost Estimator uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-07/30/2024 Ready for Review-Document Uploaded.  - Seller-07/29/2024 Open-As per FNMA guidelines, The lender or servicer must verify that the property insurance coverage amount for a first mortgage secured by a one- to four-unit property is at least equal to the lesser of: 100% of the replacement cost value of the improvements as of the current property insurance policy effective date, or the unpaid principal balance of the loan, provided it equals no less than 80% of the replacement cost value of the improvements as of the current property insurance policy effective date. Requesting the Replacement Cost Estimator or Appraisal be updated to reflect Replacement Cost New. - Due Diligence Vendor-07/25/2024

Ready for Review-Document Uploaded.  - Seller-07/29/2024

Resolved-Replacement Cost Estimator uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-07/30/2024

XXXX

TX

Primary Residence

Purchase

NA

2054874

N/A

N/A

XXXX

xxxxxx8138

Closed

2024-07-31 05:31

2024-08-26 19:22

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (9.945%) APR equals or exceeds the Federal HPML threshold of (8.55%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.05%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 404 and the Final Closing disclosure on Pg#’s 257, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal acknowledgment was provided to the borrower(s)- see Pg#’s 523, and confirmation the appraisal was delivered to the borrower attached in findings. - Due Diligence Vendor-08/26/2024 Resolved-The loan's (9.945%) APR equals or exceeds the Federal HPML threshold of (8.55%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.05%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 404 and the Final Closing disclosure on Pg#’s 257, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal acknowledgment was provided to the borrower(s)- see Pg#’s 523, and confirmation the appraisal was delivered to the borrower attached in findings.  - Due Diligence Vendor-08/15/2024 Ready for Review-Document Uploaded.  - Seller-08/14/2024 Open-The loan's (9.945%) APR equals or exceeds the Federal HPML threshold of (8.55%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.05%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 404 and the Final Closing disclosure on Pg#’s 257, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal acknowledgment was provided to the borrower(s)- see Pg#’s 523, and confirmation the appraisal was delivered to the borrower is missing  - Due Diligence Vendor-07/31/2024

Ready for Review-Document Uploaded.  - Seller-08/14/2024

Resolved-The loan's (9.945%) APR equals or exceeds the Federal HPML threshold of (8.55%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.05%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 404 and the Final Closing disclosure on Pg#’s 257, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal acknowledgment was provided to the borrower(s)- see Pg#’s 523, and confirmation the appraisal was delivered to the borrower attached in findings. - Due Diligence Vendor-08/26/2024  Resolved-The loan's (9.945%) APR equals or exceeds the Federal HPML threshold of (8.55%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (7.05%).(12 CFR 1026.35(a)(1)(i)) "This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 404 and the Final Closing disclosure on Pg#’s 257, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 12, the appraisal acknowledgment was provided to the borrower(s)- see Pg#’s 523, and confirmation the appraisal was delivered to the borrower attached in findings.  - Due Diligence Vendor-08/15/2024

XXXX

PA

Primary Residence

Purchase

NA

2090748

N/A

N/A

XXXX

xxxxxx8138

Closed

2024-07-31 04:45

2024-08-22 12:34

Resolved

1 - Information

D

A

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Documentation in file obtained regarding actions taken. XXXX was not a broker involved in transaction as was XXXX who is a licensed broker in State of PA verified on Note, DOT and page 512.  - Due Diligence Vendor-08/22/2024 Ready for Review-COMMENTS MADE ON THE FRAUD REPORT INDICATE ACTIONS TAKEN.  PLEASE REVIEW THE FILE TO VALIDATE THOSE ACTIONS.    - Seller-08/20/2024 Counter-Missing responses to address high alerts - Due Diligence Vendor-08/15/2024 Ready for Review-Document Uploaded.  - Seller-08/14/2024 Open-Missing Third Party Fraud Report - Due Diligence Vendor-07/31/2024

Ready for Review-COMMENTS MADE ON THE FRAUD REPORT INDICATE ACTIONS TAKEN.  PLEASE REVIEW THE FILE TO VALIDATE THOSE ACTIONS.    - Seller-08/20/2024  Ready for Review-Document Uploaded.  - Seller-08/14/2024

Resolved-Documentation in file obtained regarding actions taken. XXXX was not a broker involved in transaction as was XXXX who is a licensed broker in State of PA verified on Note, DOT and page 512.  - Due Diligence Vendor-08/22/2024

XXXX

PA

Primary Residence

Purchase

NA

2090643

N/A

N/A

XXXX

xxxxxx8138

Closed

2024-07-31 18:19

2024-08-15 10:36

Resolved

1 - Information

C

A

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-Updated 1003 uploaded, verifying Gift of $12,000 removed, verified & entered in system - Resolved.  - Due Diligence Vendor-08/15/2024 Ready for Review-Document Uploaded.  - Seller-08/14/2024 Open-Final 1003 is indicating borrower is getting a gift for $12,000. Gift letter and proof of gift is missing. - Due Diligence Vendor-07/31/2024

Ready for Review-Document Uploaded.  - Seller-08/14/2024

Resolved-Updated 1003 uploaded, verifying Gift of $12,000 removed, verified & entered in system - Resolved.  - Due Diligence Vendor-08/15/2024

XXXX

PA

Primary Residence

Purchase

NA

2096652

N/A

N/A

XXXX

xxxxxx1176

Closed

2024-08-12 20:47

2024-08-15 12:12

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Updated 1003, 1008 & Lender Loan Approval uploaded, verifying other income is removed. Only Qualifying income is 24 months bank statement, income updated in 1003 & 1008. Borrower is having XXXX (Service Business) and Number of Full-time Employees/Contractors is 0 asper business narrative , asper GL qualified with 20% Expense Ratio, verified & entered in system - Resolved. - Due Diligence Vendor-08/15/2024 Ready for Review-Document Uploaded. Hi XXXX, please see corrected documents with 20% expense factor for income of $4,470. - Seller-08/14/2024 Open-As Per the income work sheet page on # 515 expense ratio is showing 20 % and the income is divided by 24 months with calculated income of $4,470.12 but it is Expense factor is 40% and 1008 documents shows income is $ 5,109.30 . Please provide an updated income calculator.  - Due Diligence Vendor-08/12/2024

Ready for Review-Document Uploaded. Hi XXXX, please see corrected documents with 20% expense factor for income of $4,470. - Seller-08/14/2024

Resolved-Updated 1003, 1008 & Lender Loan Approval uploaded, verifying other income is removed. Only Qualifying income is 24 months bank statement, income updated in 1003 & 1008. Borrower is having XXXX (Service Business) and Number of Full-time Employees/Contractors is 0 asper business narrative , asper GL qualified with 20% Expense Ratio, verified & entered in system - Resolved. - Due Diligence Vendor-08/15/2024

XXXX

AR

Primary Residence

Refinance

Cash Out - Other

2172234

N/A

N/A

XXXX

xxxxxx1176

Closed

2024-08-12 20:21

2024-08-15 12:06

Resolved

1 - Information

C

A

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Updated Lender Approval uploaded with corrected program to Alt Doc-24 months & Updated 1003 & 1008 uploaded in other finding, verifying other income is removed. Only Qualifying income is 24 months bank statement, verified & entered in system - Resolved.  - Due Diligence Vendor-08/15/2024 Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-08/15/2024 Ready for Review-Document Uploaded. Hi XXXX, this is a Alt Docs, not Full Docs.  Please see updated approval showing Alt Docs - 24 months. - Seller-08/14/2024 Open-Income and Employment Do Not Meet Guidelines The file is missing most recent year of tax returns, personal and business, A YTD P&L, and a a complete, signed, and dated IRS Form 4506-C. As per Lender Approval page 404, loan s a 12 Month Full Document. As per Guidelines dated XXXX, page 61 Section 8.5.3 for Self Employed Borrowers, the documents listed are required. Requesting to provide the most recent year of tax returns, personal and business, A YTD P&L, and a a complete, signed, and dated IRS Form 4506-C.  - Due Diligence Vendor-08/12/2024

Ready for Review-Document Uploaded. Hi XXXX, this is a Alt Docs, not Full Docs.  Please see updated approval showing Alt Docs - 24 months. - Seller-08/14/2024

Resolved-Updated Lender Approval uploaded with corrected program to Alt Doc-24 months & Updated 1003 & 1008 uploaded in other finding, verifying other income is removed. Only Qualifying income is 24 months bank statement, verified & entered in system - Resolved.  - Due Diligence Vendor-08/15/2024  Resolved-Income and Employment Meet Guidelines - Due Diligence Vendor-08/15/2024

XXXX

AR

Primary Residence

Refinance

Cash Out - Other

2171979

N/A

N/A

XXXX

xxxxxx1176

Closed

2024-08-09 06:56

2024-08-14 15:40

Resolved

1 - Information

C

A

Compliance

Tolerance:Disclosure

Federal - Closing Disclosure Total of Payments Foreclosure Rescission Tolerance

Resolved-Updated with PCCD, resolved.  - Due Diligence Vendor-08/14/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-08/13/2024 Counter-The Change of Circumstance shows a Broker Cure for $40 for the Appraisal Fee increase. The Final CD shows the Appraisal Broker Credit in the Appraisal field. Requesting to provide an updated Final CD reflecting the Broker Cure reflecting in the Lender Credit section.  - Due Diligence Vendor-08/13/2024 Ready for Review-The Change of Circumstance shows a Broker Cure for $40 for the Appraisal Fee increase. Requesting to provide an updated Final CD reflecting the Broker Cure. - Due Diligence Vendor-08/13/2024 Ready for Review-Document Uploaded. Hi XXXX, the CD already showed a broke cure of $40.  The $40 is shown on "paid by others" column.  That is the broker cure.  That is why the borrower got a $40 credit for the appraisal fee. - Seller-08/12/2024 Open-The disclosed Total of Payments ($xx) is understated by more than $35 when compared to the actual Total of Payments of ($xx). The difference is ($40.00). After the initiation of foreclosure on the consumer's principal dwelling that secures the credit obligation, Regulation Z considers the disclosed Total of Payments inaccurate if it is understated by more than $35. (12 CFR 1026.23(h)(2)(ii)) The Final CD shows a Credit of $40 for the Appraisal Fee. The Change of Circumstance shows a Broker Cure for $40 for the Appraisal Fee increase. Requesting to provide an updated Final CD reflecting the Broker Cure.  - Due Diligence Vendor-08/09/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-08/13/2024  Ready for Review-Document Uploaded. Hi XXXX, the CD already showed a broke cure of $40.  The $40 is shown on "paid by others" column.  That is the broker cure.  That is why the borrower got a $40 credit for the appraisal fee. - Seller-08/12/2024

Resolved-Updated with PCCD, resolved.  - Due Diligence Vendor-08/14/2024

XXXX

AR

Primary Residence

Refinance

Cash Out - Other

2153196

N/A

N/A

XXXX

xxxxxx1176

Closed

2024-08-11 11:31

2024-08-13 14:12

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception in file page 467 for LTV below Guidelines. 5% LTV exception to 70% when the max allowed is 65% approved, low DTI at 37%, subject to 6 months reserves from cash in hand, after paying off debt. - Due Diligence Vendor-08/13/2024 Ready for Review-Document Uploaded. Hi XXXX, the exception is on the last page (page 754) of our package. - Seller-08/12/2024 Open-Audited LTV of 70% exceeds Guideline LTV of 65% As per Matrix Grade A dated XXXX, Max LTV for a Rural property with Cash Out Refi is 65%. The Audited LTV is 70%. Requesting an exception for the LTV.  - Due Diligence Vendor-08/11/2024

Ready for Review-Document Uploaded. Hi XXXX, the exception is on the last page (page 754) of our package. - Seller-08/12/2024

Waived-Exception in file page 467 for LTV below Guidelines. 5% LTV exception to 70% when the max allowed is 65% approved, low DTI at 37%, subject to 6 months reserves from cash in hand, after paying off debt. - Due Diligence Vendor-08/13/2024

XXXX

Comp Factor #1: 37% DTI out of 50% Max DTI Comp Factor #2: Debt Consolidation - Saving borrower over $1000 a month after debt is paid off Comp Factor #3: Residual income at least $3,000 a month - Residual Income is $3240.04 Comp Factor #4: At least 6 months reserves - 0 months reserves required, borrower has 15.37 months reserves.

AR

Primary Residence

Refinance

Cash Out - Other

2163470

Originator Pre-Close

Yes

XXXX

xxxxxx2413

Closed

2024-08-10 01:33

2024-08-13 09:28

Resolved

1 - Information

C

A

Credit

Borrower

Discrepancy between 1008 Page Qualifying FICO and actual Qualifying FICO

Resolved-Updated 1008 uploaded with corrected FICO of 759, verified & entered in system - Resolved.  - Due Diligence Vendor-08/13/2024 Resolved-Validation Resolved - Due Diligence Vendor-08/13/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached updated 1008 with FICO 759 - Seller-08/12/2024 Open-Qualifying FICO on the 1008 Page is '754' or blank, but the Qualifying FICO from the Credit Liabilities Page is '759' or blank. Qualifying FICO entries do not match.  Please confirm the correct Qualifying FICO value. Qualifying FICO on the 1008 Page is 754, whereas per recent Credit report is showing 759 and Pag#284 Credit score page showing 754 from XX but which is dated 03/28/2024. Hence required updated 1008 or additional documents to show correct FICO score. - Due Diligence Vendor-08/10/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached updated 1008 with FICO 759 - Seller-08/12/2024

Resolved-Updated 1008 uploaded with corrected FICO of 759, verified & entered in system - Resolved.  - Due Diligence Vendor-08/13/2024  Resolved-Validation Resolved - Due Diligence Vendor-08/13/2024

XXXX

MA

Primary Residence

Purchase

NA

2160532

N/A

N/A

XXXX

xxxxxx1672

Closed

2024-08-15 11:04

2024-08-26 13:57

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Charges That Cannot Increase Test (50001251)

Resolved-COC  added to review, XXXX is cleared. Resolved - Due Diligence Vendor-08/26/2024 Ready for Review-Document Uploaded.  - Seller-08/23/2024 Counter-The Change of Circumstance provided below is prior to the Final CD date of XXXX. Requesting to provide a COC with updated date.  - Due Diligence Vendor-08/23/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). - Due Diligence Vendor-08/23/2024 Ready for Review-Document Uploaded.  - Seller-08/22/2024 Counter-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – City/County. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). The Final CD dated 08/xx/24 shows an increase in the Doc Tax Stamps/Transfer Taxes – City/County from $xx. Requesting a Change of Circumstance for the increase. - Due Diligence Vendor-08/21/2024 Ready for Review-Document Uploaded.  - Seller-08/19/2024 Open-The following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the Cannot Increase Category: Doc Tax Stamps/Transfer Taxes – State, Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4)). Request to provide COC dated 07/xx for which Recording Fees got increased from $4,370 (initial CD 07/xx) to $4,782.62 revised CD and for Broker fee increased from $4,000 (initial CD 07/xx) to $4,480 revised CD (and decreased to $4,230 in final CD but still higher amount than initial CD).  - Due Diligence Vendor-08/15/2024

Ready for Review-Document Uploaded.  - Seller-08/23/2024  Ready for Review-Document Uploaded.  - Seller-08/22/2024  Ready for Review-Document Uploaded.  - Seller-08/19/2024

Resolved-COC  added to review, XXXX is cleared. Resolved - Due Diligence Vendor-08/26/2024

XXXX

MD

Primary Residence

Refinance

Cash Out - Other

2191765

N/A

N/A

XXXX

xxxxx7672

Closed

2024-08-29 06:13

2024-09-06 16:44

Resolved

1 - Information

B

A

Credit

Credit

Missing non-subject rental income documentation

Resolved-Lender provided Note, LOX and tax information confirming not escrowed for Second home XXXX as it is raw land. Supporting documents provided. Finding resolved.  - Due Diligence Vendor-09/06/2024 Ready for Review-Document Uploaded.  - Seller-09/04/2024 Open-As per loan statement page#289 , not escrowed for Second home "XXXX" but 1003 reflecting tax and insurance amount of XXXX but supporting documents are missing in the file. please provide the supporting documents. - Due Diligence Vendor-08/29/2024

Ready for Review-Document Uploaded.  - Seller-09/04/2024

Resolved-Lender provided Note, LOX and tax information confirming not escrowed for Second home XXXX as it is raw land. Supporting documents provided. Finding resolved.  - Due Diligence Vendor-09/06/2024

XXXX

TX

Primary Residence

Purchase

NA

2273934

N/A

N/A

XXXX

xxxxx7632

Closed

2024-09-05 13:14

2024-09-06 12:57

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Revised CD's dated XXXX have been received.  Finding Resolved - Due Diligence Vendor-09/06/2024 Ready for Review-Document Uploaded.  - Seller-09/05/2024 Open-TRID: Missing Closing Disclosure Provide Revised Closing Disclosures dated XXXX time stamped 12:34pm and 12:42pm - Due Diligence Vendor-09/05/2024

Ready for Review-Document Uploaded.  - Seller-09/05/2024

Resolved-Revised CD's dated XXXX have been received.  Finding Resolved - Due Diligence Vendor-09/06/2024

XXXX

NJ

Primary Residence

Purchase

NA

2312688

N/A

N/A

XXXX

xxxxx7632

Closed

2024-08-26 10:18

2024-09-05 13:11

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD and Disclosure Tracking received.  See Third Party Fraud Report Finding.  Finding Resolved - Due Diligence Vendor-09/05/2024 Ready for Review-Document Uploaded.  - Seller-09/03/2024 Open-TRID: Missing Closing Disclosure Provide Initial CD related COC's - Due Diligence Vendor-08/26/2024

Ready for Review-Document Uploaded.  - Seller-09/03/2024

Resolved-Initial CD and Disclosure Tracking received.  See Third Party Fraud Report Finding.  Finding Resolved - Due Diligence Vendor-09/05/2024

XXXX

NJ

Primary Residence

Purchase

NA

2250803

N/A

N/A

XXXX

xxxxx7632

Closed

2024-08-26 05:49

2024-09-05 06:54

Resolved

1 - Information

D

A

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Third Party Fraud Report is provided.Document attached under TRID: Missing Closing Disclosure finding.  - Due Diligence Vendor-09/05/2024 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/05/2024 Ready for Review-Document Uploaded.  - Seller-09/03/2024 Open-Missing Third Party Fraud Report Provide Fraud Report - Due Diligence Vendor-08/26/2024

Ready for Review-Document Uploaded.  - Seller-09/03/2024

Resolved-Third Party Fraud Report is provided.Document attached under TRID: Missing Closing Disclosure finding.  - Due Diligence Vendor-09/05/2024  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-09/05/2024

XXXX

NJ

Primary Residence

Purchase

NA

2250294

N/A

N/A

XXXX

xxxxx7424

Closed

2024-08-23 04:08

2024-09-03 16:36

Waived

2 - Non-Material

C

B

Credit

Credit

Deficient self-employment income documentation.

Waived-Exception Approved - Due Diligence Vendor-09/03/2024 Ready for Review-XXXX acknowledges/approves exception.  Ok to proceed. - Seller-08/29/2024 Open-Exception Approval on XXXX by XXXX on page 13-14.  Exception Reason: Other - Loan File 11 mo bank statement analysis, GL Requirement 12-month bank statement analysis Requesting an exception for an 11-month income analysis averaged over 12 months. Borrower changed businesses/banks in September of 2023, August 2023 not included as that is the old business.  - Due Diligence Vendor-08/29/2024 Open-Requesting an exception for an 11 month income analysis averaged over 12 months. Borrower changed businesses/banks in September of 2023, August 2023 not included as that is the old business. (Exemption on page#13-14) - Due Diligence Vendor-08/23/2024

Ready for Review-XXXX acknowledges/approves exception.  Ok to proceed. - Seller-08/29/2024

Waived-Exception Approved - Due Diligence Vendor-09/03/2024

Residual Income- Loan File $24,425.60, GL Requirement Min $1500 + $600 (spouse and 3 minors * $150 each)=$2100   Reserves- Loan file 8.74 months, GL Requirement Min. 3 months Housing History - Loan File 0X30, 60+ months, GL Requirement 0X30, 12 months. Credit Score - Loan File 719, GL Requirement Min 700 LTV - Loan File 23.17%, GL Requirement Max 50%

NJ

Primary Residence

Purchase

NA

2239151

Originator Pre-Close

Yes

XXXX

xxxxxx7981

Closed

2024-09-03 06:33

2024-09-05 16:09

Resolved

1 - Information

D

A

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Property is a new construction. Property taxes were determined based on percentage of sales price. Verified the monthly property tax amount on the IEADS and final CD. Resolved. - Due Diligence Vendor-09/05/2024 Ready for Review-Document Uploaded. Per the lender, the taxes are an estimate as the property is a new built.  Please see attached tax rate and taxable value site. - Seller-09/03/2024 Open-Missing Evidence of Property Tax Request to provide updated Tax Cert with Annual amount of $3,969.96, Missing in file - Due Diligence Vendor-09/03/2024

Ready for Review-Document Uploaded. Per the lender, the taxes are an estimate as the property is a new built.  Please see attached tax rate and taxable value site. - Seller-09/03/2024

Resolved-Evidence of Property Tax is present - Property is a new construction. Property taxes were determined based on percentage of sales price. Verified the monthly property tax amount on the IEADS and final CD. Resolved. - Due Diligence Vendor-09/05/2024

XXXX

NV

Investment

Purchase

NA

2294691

N/A

N/A

XXXX

xxxxxx7981

Closed

2024-09-03 11:16

2024-09-05 08:49

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Income Calculation Worksheet uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-09/05/2024 Ready for Review-Document Uploaded.  - Seller-09/04/2024 Open-Request to provide lender's bank statement worksheet, Missing in File - Due Diligence Vendor-09/03/2024

Ready for Review-Document Uploaded.  - Seller-09/04/2024

Resolved-Income Calculation Worksheet uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-09/05/2024

XXXX

NV

Investment

Purchase

NA

2295285

N/A

N/A

XXXX

xxxxxx7981

Closed

2024-09-03 11:19

2024-09-05 08:48

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 CPA Letter Missing

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-09/05/2024 Ready for Review-Document Uploaded.  - Seller-09/03/2024 Open-Borrower 1 CPA Letter Missing Request to provide CPA letter or Business Narrative to verify the business ownership, Missing in file - Due Diligence Vendor-09/03/2024

Ready for Review-Document Uploaded.  - Seller-09/03/2024

Resolved-Borrower 1 CPA Letter Provided - Due Diligence Vendor-09/05/2024

XXXX

NV

Investment

Purchase

NA

2295314

N/A

N/A

XXXX

xxxxxx7981

Closed

2024-09-03 11:29

2024-09-04 08:01

Resolved

1 - Information

D

A

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-HUD Denial report uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-09/04/2024 Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-09/04/2024 Ready for Review-Document Uploaded.  - Seller-09/03/2024 Open-Third Party Fraud Report Partially Provided Request to provide HUD Denial report, SAM.GOV is in file - Due Diligence Vendor-09/03/2024

Ready for Review-Document Uploaded.  - Seller-09/03/2024

Resolved-HUD Denial report uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-09/04/2024  Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-09/04/2024

XXXX

NV

Investment

Purchase

NA

2295354

N/A

N/A

XXXX

xxxxxx4734

Closed

2024-09-03 04:32

2024-09-19 08:28

Resolved

1 - Information

C

A

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Updated Gift Letter & PCCD uploaded, verified & entered in System - Resolved.    - Due Diligence Vendor-09/19/2024 Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/19/2024 Open-Asset 4 Does Not Meet Guideline Requirements - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded.  - Seller-09/18/2024 Open-Asset 4 Does Not Meet Guideline Requirements Proof of wire transfers for $XXXX and $XXXX is provided on pages 627-629, but the gift letter on page 478 reflects a gift of $XXXX. Please provide the Gift letter for the updated gift amount of $38,546.49 and an updated Final CD reflecting the gift amount.  - Due Diligence Vendor-09/03/2024

Ready for Review-Document Uploaded.  - Seller-09/18/2024

Resolved-Updated Gift Letter & PCCD uploaded, verified & entered in System - Resolved.    - Due Diligence Vendor-09/19/2024  Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/19/2024

XXXX

CA

Primary Residence

Purchase

NA

2294459

N/A

N/A

XXXX

xxxxxx4734

Closed

2024-09-03 04:13

2024-09-17 20:05

Resolved

1 - Information

D

A

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/17/2024 Ready for Review-Document Uploaded.  - Seller-09/16/2024 Counter-CU provided is dated XXXX. The CU in file that has a scor over 2.5 is dated XXXX. Request to provide desk review.  - Due Diligence Vendor-09/10/2024 Ready for Review-Document Uploaded.  - Seller-09/06/2024 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Request to provide Second Appraisal / Valuation required for Securitization, CU score is greater than 2.5 - Due Diligence Vendor-09/03/2024

Ready for Review-Document Uploaded.  - Seller-09/16/2024  Ready for Review-Document Uploaded.  - Seller-09/06/2024

Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/17/2024

XXXX

CA

Primary Residence

Purchase

NA

2294438

N/A

N/A

XXXX

xxxxxx4734

Closed

2024-09-03 16:49

2024-09-09 14:21

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Deed of Trust is Missing

Resolved-The Grant Deed is dated after the Title Commitment.  - Due Diligence Vendor-09/09/2024 Ready for Review-Document Uploaded. Grant deed confirms vesting-- single woman. Please advise, thank you! - Seller-09/06/2024 Open-The Deed of Trust is Missing The vesting on the Deed of Trust is the borrower's name, a single woman. The Vesting on the Title Policy page 581 is both the borrower and Non-borrowing spouse. Requesting to provide clarification on the vesting and/or updated Deed of Trust with correct vesting.  - Due Diligence Vendor-09/03/2024

Ready for Review-Document Uploaded. Grant deed confirms vesting-- single woman. Please advise, thank you! - Seller-09/06/2024

Resolved-The Grant Deed is dated after the Title Commitment.  - Due Diligence Vendor-09/09/2024

XXXX

CA

Primary Residence

Purchase

NA

2298490

N/A

N/A

XXXX

xxxxxx8590

Closed

2024-09-06 17:16

2024-09-19 19:29

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-09/18/2024 Resolved-The Final 1003 is Present - Per review the borrower owned the departing residence. 1003 provided is accepted. Resolved. - Due Diligence Vendor-09/18/2024 Ready for Review-Document Uploaded.  - Seller-09/16/2024 Counter-The previously uploaded URLA indicates $550/month.  The borrower provided an LOX stating free and clear occupancy for XXXX. Provide a 1003 with the updated rental value for the borrower's current residence - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded.  - Seller-09/13/2024 Counter-Per letter of explanation on page 21 borrower owns her home free and clear so there should be no rental amount for current residence. This was verified per Closing disclosure page 401 which shows she owned het residence free & clear. Please furnish a corrected 1003 signed by borrower.  - Due Diligence Vendor-09/13/2024 Ready for Review-Document Uploaded.  - Seller-09/12/2024 Open-The Final 1003 is Incomplete Primary housing status states borrower rents for $1000. There are rent receipts on page 456-465 for $550. Per review the borrower owned departing residence. Request for clarification or corrected final 1003. - Due Diligence Vendor-09/06/2024

Ready for Review-Document Uploaded.  - Seller-09/16/2024  Ready for Review-Document Uploaded.  - Seller-09/13/2024  Ready for Review-Document Uploaded.  - Seller-09/12/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-09/18/2024  Resolved-The Final 1003 is Present - Per review the borrower owned the departing residence. 1003 provided is accepted. Resolved. - Due Diligence Vendor-09/18/2024

XXXX

UT

Primary Residence

Purchase

NA

2323481

N/A

N/A

XXXX

xxxxxx8590

Closed

2024-09-06 06:22

2024-09-12 07:32

Resolved

1 - Information

D

A

Property

Missing Doc

Second Appraisal/ Valuation is Missing

Resolved-Secondary Valuation or Additional Valuation uploaded, verified & entered in System - Resolved.    - Due Diligence Vendor-09/12/2024 Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/12/2024 Ready for Review-Document Uploaded.  - Seller-09/11/2024 Open-Secondary Valuation or Additional Valuation (with acceptable variance to Primary) is missing per guideline requirements and CU Score, if present, is greater than 2.5 Missing secondary valuation - Due Diligence Vendor-09/06/2024

Ready for Review-Document Uploaded.  - Seller-09/11/2024

Resolved-Secondary Valuation or Additional Valuation uploaded, verified & entered in System - Resolved.    - Due Diligence Vendor-09/12/2024  Resolved-Secondary Valuation or Additional Valuation is present or Not Required - Due Diligence Vendor-09/12/2024

XXXX

UT

Primary Residence

Purchase

NA

2319223

N/A

N/A

XXXX

xxxxxx8292

Closed

2024-09-09 07:35

2024-09-19 16:08

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-Worksheet provided and reviewed. XXXX has been updated - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded.  - Seller-09/18/2024 Open-Missing Lender income calculation worksheet. Per guidelines, unless for transaction is for business purpose(s) then the loan file must include an Income worksheet detailing income calculation. Income analysis for borrowers with multiple businesses must show income/ (loss) details separately.   - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-09/18/2024

Resolved-Worksheet provided and reviewed. XXXX has been updated - Due Diligence Vendor-09/19/2024

XXXX

CA

Primary Residence

Purchase

NA

2331057

N/A

N/A

XXXX

xxxxxx8292

Closed

2024-09-09 06:52

2024-09-19 16:04

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 Citizenship Identification Documentation Missing

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded.  - Seller-09/18/2024 Open-Borrower 1 Non-US Citizen Identification Document Missing. Please provide acceptable documentation. Borrower 1 Non-US Citizen Identification document is missing. Please provide acceptable documentation with clarification on the country of origin. ITIN document provided in file on page 435 - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-09/18/2024

Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/19/2024

XXXX

CA

Primary Residence

Purchase

NA

2330927

N/A

N/A

XXXX

xxxxxx8292

Closed

2024-09-09 07:22

2024-09-12 15:57

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD received and reviewed. XXXX has been successfully run - Due Diligence Vendor-09/12/2024 Ready for Review-Document Uploaded.  - Seller-09/11/2024 Open-TRID: Missing Closing Disclosure Missing initial CD in file. Initial LE and Final CD are the provided TRID documents in file - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-09/11/2024

Resolved-PCCD received and reviewed. XXXX has been successfully run - Due Diligence Vendor-09/12/2024

XXXX

CA

Primary Residence

Purchase

NA

2331021

N/A

N/A

XXXX

xxxxxx7668

Closed

2024-09-06 05:36

2024-09-17 12:40

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Lender Income Calculation Worksheet

Resolved-UW response uploaded. Resolved.  - Due Diligence Vendor-09/17/2024 Ready for Review-Document Uploaded. Please see the attached UW's response as to why still using the 50% ownership calculation approach. - Seller-09/16/2024 Open-Provide clarification towards business ownership, Income sheet page 578-584 reflecting 50% ownership whereas as per CPA page 452 and Business narrative page 483 borrower having 100% ownership. - Due Diligence Vendor-09/06/2024

Ready for Review-Document Uploaded. Please see the attached UW's response as to why still using the 50% ownership calculation approach. - Seller-09/16/2024

Resolved-UW response uploaded. Resolved.  - Due Diligence Vendor-09/17/2024

XXXX

FL

Primary Residence

Purchase

NA

2319077

N/A

N/A

XXXX

xxxxxx6798

Closed

2024-09-09 06:46

2024-11-05 15:09

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded.  - Seller-11/05/2024 Counter-The Tax Transcripts attached are not for the correct borrowers. Requesting the IRS transcripts for the borrowers.  - Due Diligence Vendor-11/04/2024 Ready for Review-Document Uploaded.  - Seller-11/01/2024 Open-Borrower 2 IRS Transcripts Missing Provide IRS transcripts for B2 - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-11/05/2024  Ready for Review-Document Uploaded.  - Seller-11/01/2024

Resolved-Borrower 2 IRS Transcripts Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-11/05/2024

XXXX

TX

Primary Residence

Purchase

NA

2330903

N/A

N/A

XXXX

xxxxxx6798

Closed

2024-09-09 07:32

2024-10-22 18:18

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (8.717%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) delivery of the appraisal to the borrower on file in findings. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 294 and the Final Closing disclosure on Pg#’s 131, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 125 An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’404 in file and confirmation the appraisal was delivered to the borrower – see Pg#199 The loan meets HPML guidelines - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded.  - Seller-10/22/2024 Counter-The confirmation the appraisal was delivered to the borrower is missing. There is an email that is cut off on page #199 that maybe it, however there is no language to support that. Requesting to provide the confirmation the appraisal was delivered to the borrower.  - Due Diligence Vendor-09/13/2024 Ready for Review-what is missing here?  - Seller-09/11/2024 Open-The loan's (8.717%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) As per page #199, the email for the appraisal is cut off and does not state the body of the email. Requesting to provide confirmation of the delivery of the appraisal to the borrower. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 294  and the Final Closing disclosure on Pg#’s 131, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 125 An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’404 in file and confirmation the appraisal was delivered to the borrower – see Pg#199  The loan meets HPML guidelines  - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-10/22/2024  Ready for Review-what is missing here?  - Seller-09/11/2024

Resolved-The loan's (8.717%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) delivery of the appraisal to the borrower on file in findings. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 294 and the Final Closing disclosure on Pg#’s 131, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 125 An interior and exterior appraisal was completed for this property – see pg 33, the appraisal disclosure was provided to the borrower(s)- see Pg#’404 in file and confirmation the appraisal was delivered to the borrower – see Pg#199 The loan meets HPML guidelines - Due Diligence Vendor-10/22/2024

XXXX

TX

Primary Residence

Purchase

NA

2331049

N/A

N/A

XXXX

xxxxxx6990

Closed

2024-09-09 11:44

2024-09-13 17:25

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Borrower 1 ITIN Information

Resolved-ITIN document on page 428. - Due Diligence Vendor-09/13/2024 Ready for Review-Document Uploaded. PAGE 158 OF LOAN DOCS - Seller-09/11/2024 Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. Borrower is ITIN, ITIN letter/ card is missing in file. As per G/Ls non permanent resident should have IRS ITIN document in file. - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded. PAGE 158 OF LOAN DOCS - Seller-09/11/2024

Resolved-ITIN document on page 428. - Due Diligence Vendor-09/13/2024

XXXX

VA

Primary Residence

Purchase

NA

2331950

N/A

N/A

XXXX

xxxxxx6613

Closed

2024-09-09 09:45

2024-10-03 17:05

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/03/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Counter-Per 5.3 of the guidelines, the most recent 12 months of housing history is required - Due Diligence Vendor-09/25/2024 Ready for Review-Mortgage was just opened XXXX-- therefore we would only have/need 6 mos  - Seller-09/25/2024 Open-Housing History Does Not Meet Guideline Requirements Primary months reviewed is 6 months per CBR. Previous property is listed under the business' name for a commercial loan. Provide documentation for last 12 months history. - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024  Ready for Review-Mortgage was just opened XXXX-- therefore we would only have/need 6 mos  - Seller-09/25/2024

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/03/2024

XXXX

FL

Primary Residence

Purchase

NA

2331446

N/A

N/A

XXXX

xxxxxx6613

Closed

2024-09-09 10:20

2024-09-25 19:28

Resolved

1 - Information

C

A

Credit

Doc Issue

Missing asset documentation (ATR)

Resolved-PCCD received. XXXX successfully run - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/25/2024 Open-1) Gift letter of $XX in file, However no documentation for same confirming deposit or receipt has been provided 2) Gift of $XXXX wire to closing. Provide PCCD to reflect the gift adjustment - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-09/25/2024

Resolved-PCCD received. XXXX successfully run - Due Diligence Vendor-09/25/2024

XXXX

FL

Primary Residence

Purchase

NA

2331557

N/A

N/A

XXXX

xxxxxx6613

Closed

2024-09-09 11:29

2024-09-19 15:41

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded.  - Seller-09/18/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Points - Loan Discount Fee of $8,865 was included on the CD dated 08/28/2024. Provide COC. - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-09/18/2024

Resolved- - Due Diligence Vendor-09/19/2024

XXXX

FL

Primary Residence

Purchase

NA

2331861

N/A

N/A

XXXX

xxxxxx6613

Closed

2024-09-09 11:29

2024-09-19 15:41

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Lender Credits That Cannot Decrease Test (50001262)

Resolved- - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded.  - Seller-09/18/2024 Open-The baseline amount of non-specific (lump sum) lender credits and specific lender credits disclosed is ($8,372.50). The Last CD shows a total lender credit amount of ($0.00). The following fees "lender credits" have decreased below their baseline amounts (General Lender Credit). Non-specific lender credits are generalized payments that do not pay for a particular fee. Specific lender credits are specific payments to pay for a specific fee. The total amount of non-specific and specific lender credits cannot decrease unless a new disclosure is provided and there is a valid changed circumstance associated with the re-disclosure, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3)(i) and comments 19(e)(3)(i)-5 and -6; 12 CFR 1026.19(f)(2)(v); 12 CFR 1026.37(g)(6); 12 CFR 1026.38(h)). Lender credit on Initial CD is $8,372.50 on 08/19/2024 decreased to $0 in CD on 08/xx/20224. Provide COC. - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-09/18/2024

Resolved- - Due Diligence Vendor-09/19/2024

XXXX

FL

Primary Residence

Purchase

NA

2331862

N/A

N/A

XXXX

xxxxxx6855

Closed

2024-09-09 08:42

2024-09-16 07:54

Resolved

1 - Information

D

A

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-3rd Party VOE uploaded, verified & entered in System - Resolved.    - Due Diligence Vendor-09/16/2024 Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded. VOE - Seller-09/13/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded. VOE - Seller-09/13/2024

Resolved-3rd Party VOE uploaded, verified & entered in System - Resolved.    - Due Diligence Vendor-09/16/2024  Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-09/16/2024

XXXX

FL

Primary Residence

Purchase

NA

2331267

N/A

N/A

XXXX

xxxxxx7367

Closed

2024-09-09 05:21

2024-09-19 13:44

Resolved

1 - Information

C

A

Credit

Assets

Asset 5 Does Not Meet Guideline Requirements

Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/19/2024 Open-Asset 5 Does Not Meet Guideline Requirements - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded. XXXX made 2 deposits of $XXXX which equals $XXXX-- please see attached PCCD. Thank you! - Seller-09/18/2024 Open-Asset 5 Does Not Meet Guideline Requirements From the provided gift letter on Page 415, the gift amount from Donor XXXX reflects as $15,000, whereas the receipt of funds provided on Page 506 from XXXX reflects as $7,500, and also the final CD on Page 538, gift From Donor XXXX reflects as $XXXX Request to provide clarification or updated gift letter  - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded. XX made 2 deposits of $XXXX which equals $XXXX-- please see attached PCCD. Thank you! - Seller-09/18/2024

Resolved-Asset 5 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-09/19/2024

XXXX

CA

Primary Residence

Purchase

NA

2330678

N/A

N/A

XXXX

xxxxxx7367

Closed

2024-09-09 05:37

2024-09-13 06:41

Resolved

1 - Information

D

A

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-HUD Limited Denial of Participation List uploaded, verified & entered in System - Resolved.  - Due Diligence Vendor-09/13/2024 Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-09/13/2024 Ready for Review-Document Uploaded.  - Seller-09/12/2024 Open-Third Party Fraud Report Partially Provided Provide HUD Limited Denial, Sam.Gov is present in File - Due Diligence Vendor-09/09/2024

Ready for Review-Document Uploaded.  - Seller-09/12/2024

Resolved-HUD Limited Denial of Participation List uploaded, verified & entered in System - Resolved.  - Due Diligence Vendor-09/13/2024  Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-09/13/2024

XXXX

CA

Primary Residence

Purchase

NA

2330725

N/A

N/A

XXXX

xxxxxx6007

Closed

2024-09-10 07:10

2024-09-19 15:36

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD received and XXXX successfully run. Resolved - Due Diligence Vendor-09/19/2024 Ready for Review-Document Uploaded. Please see attached PCCD confirming disbursement date of XXXX. Thank you! - Seller-09/18/2024 Counter-The Closing Disclosure provided lists a signature date following the closing and disbursement. Loan closed and disbursed on the XXXX with an XXXXdisbursement. - Due Diligence Vendor-09/16/2024 Ready for Review-Document Uploaded.  - Seller-09/13/2024 Open-TRID: Missing Final Closing Disclosure Final Closing Disclosure in page#274-278 is signed by borrower In person but Final Closing Disclosure Receipt Date is not available. Please provide updated Final CD. - Due Diligence Vendor-09/10/2024

Ready for Review-Document Uploaded. Please see attached PCCD confirming disbursement date of XXXX. Thank you! - Seller-09/18/2024  Ready for Review-Document Uploaded.  - Seller-09/13/2024

Resolved-PCCD received and XXXX successfully run. Resolved - Due Diligence Vendor-09/19/2024

XXXX

CA

Primary Residence

Purchase

NA

2339742

N/A

N/A

XXXX

xxxxxx9653

Closed

2024-09-13 14:23

2024-09-18 23:12

Waived

2 - Non-Material

C

B

Credit

Credit

Tradeline minimum has not met guidelines

Waived-Exception approved - Due Diligence Vendor-09/18/2024 Unable to Resolve-Unable to Resolve-XXXX agrees with exception approved by XXXX - Buyer-09/17/2024 Open- Exception on pg 650 approved for one of the bwrs (XXXX) not meeting the requirement for 3 open and active credit references. other bwr meets tradeline requirements and XXXX has good depth of credit with extensive satisfactory mortgage references on credit, just not active within past 12 months.  Recommend waiving, does XXXX agree? - Due Diligence Vendor-09/13/2024

Waived-Exception approved - Due Diligence Vendor-09/18/2024

Provided Fico is 771, min per GL is 660 DSCR 1: Min DSCR per Matrix is 1, Verified DSCR is 1.58 Investor experience is Heavy. Investor Experience required per guidelines is None.

TN

Investment

Refinance

Cash Out - Other

2369255

Investor Post-Close

No

XXXX

xxxxxx9371

Closed

2024-09-13 19:27

2024-09-20 19:19

Resolved

1 - Information

D

A

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. 1008 uploaded for review  - Buyer-09/19/2024 Open-The 1008 document is missing from the loan file. Two items on the 1008. 1)  The 1008 on p 1239 reflects a tax amount of $366.64 and HOA of $69 however taxes are confirmed at $767.92 on the Tax Cert p 1110, Final CD, p 442, and First Payment Letter, p 922, and the HOA is $69.17. Correct PITIA = $3420.47. The discrepancy in the PITIA on the 1008 on p 1239 causes a variance in the ratios.  2) The 1008 reflects Risk Assessment of AUS/DU instead of Manual Underwriting.  - Due Diligence Vendor-09/13/2024

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-09/20/2024

XXXX

TX

Primary Residence

Purchase

NA

2372822

N/A

N/A

XXXX

xxxxxx9055

Closed

2024-09-13 19:37

2024-09-17 19:37

Resolved

1 - Information

A

A

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved- - Due Diligence Vendor-09/17/2024 Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s385  in file and the Final Closing disclosure on Pg#’s 86. Rate lock date was entered correctly – see Pg#’s 453. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 24, and confirmation the appraisal was delivered to the borrower – see Pg#’s 248. The loan meets HPML guidelines  - Due Diligence Vendor-09/17/2024 Rescinded-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.594%) equals or exceeds the California HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.45%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i))  will be reconciled when we receive the TRID docs - Due Diligence Vendor-09/13/2024

Resolved-  - Due Diligence Vendor-09/17/2024  Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s385  in file and the Final Closing disclosure on Pg#’s 86. Rate lock date was entered correctly – see Pg#’s 453. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 24, and confirmation the appraisal was delivered to the borrower – see Pg#’s 248. The loan meets HPML guidelines  - Due Diligence Vendor-09/17/2024  Rescinded-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.594%) equals or exceeds the California HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.45%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i))  will be reconciled when we receive the TRID docs - Due Diligence Vendor-09/13/2024

CA

Primary Residence

Purchase

NA

2372894

N/A

N/A

XXXX

xxxxxx9055

Closed

2024-09-13 19:37

2024-09-17 19:37

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved- - Due Diligence Vendor-09/17/2024 Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s385  in file and the Final Closing disclosure on Pg#’s 86. Rate lock date was entered correctly – see Pg#’s 453. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 24, and confirmation the appraisal was delivered to the borrower – see Pg#’s 248. The loan meets HPML guidelines  - Due Diligence Vendor-09/17/2024 Ready for Review-Please clarify what, if any, documentation is required to clear this condition.  Currently seems to be informational, stating loan is HPML. - Seller-09/16/2024 Open-The loan's (8.594%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i))   - Due Diligence Vendor-09/13/2024

Ready for Review-Please clarify what, if any, documentation is required to clear this condition.  Currently seems to be informational, stating loan is HPML. - Seller-09/16/2024

Resolved-  - Due Diligence Vendor-09/17/2024  Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s385  in file and the Final Closing disclosure on Pg#’s 86. Rate lock date was entered correctly – see Pg#’s 453. An interior and exterior appraisal was completed for this property – see pg 25, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 24, and confirmation the appraisal was delivered to the borrower – see Pg#’s 248. The loan meets HPML guidelines  - Due Diligence Vendor-09/17/2024

CA

Primary Residence

Purchase

NA

2372895

N/A

N/A

XXXX

xxxxxx9055

Closed

2024-09-11 06:47

2024-09-17 19:24

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD received and entered - resolved - Due Diligence Vendor-09/17/2024 Ready for Review-Document Uploaded.  - Seller-09/16/2024 Open-TRID: Missing Closing Disclosure 1. Provide Updated Final CD or PCCD with gift adjustments in cash to close requirements 2. Non-Borrower Signature is missing in Final CD - Due Diligence Vendor-09/11/2024

Ready for Review-Document Uploaded.  - Seller-09/16/2024

Resolved-PCCD received and entered - resolved - Due Diligence Vendor-09/17/2024

XXXX

CA

Primary Residence

Purchase

NA

2349043

N/A

N/A

XXXX

xxxxxx6421

Closed

2024-09-13 06:57

2024-09-30 17:45

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/30/2024 Ready for Review-Document Uploaded. Mortgage was acquired on XXXX please see attached credit supplement. - Seller-09/27/2024 Open-Please provide VOM/Property Detail Report to verify required 12 months housing history as Primary property housing history reflecting 9 months per credit report page#126. - Due Diligence Vendor-09/13/2024

Ready for Review-Document Uploaded. Mortgage was acquired on 10/23, please see attached credit supplement. - Seller-09/27/2024

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-09/30/2024

XXXX

CA

Investment

Purchase

NA

2366981

N/A

N/A

XXXX

xxxxxx5261

Closed

2024-09-16 12:04

2024-09-20 17:51

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD received.  - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. PCCD - Seller-09/19/2024 Open-TRID: Missing Final Closing Disclosure Disbursement date is XXXX and Notary Date is XXXX and also gift funds $58,083 wired to escrow is not reflecting in Final CD, please provide PCCD to reflect the above. - Due Diligence Vendor-09/16/2024

Ready for Review-Document Uploaded. PCCD - Seller-09/19/2024

Resolved-PCCD received.  - Due Diligence Vendor-09/20/2024

XXXX

CA

Primary Residence

Purchase

NA

2379077

N/A

N/A

XXXX

xxxxxx5261

Closed

2024-09-17 16:32

2024-09-20 17:25

Resolved

1 - Information

D

A

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/20/2024 Ready for Review-Please re-review and waive this condition.  For California property purchase transactions the lender uses 1.25% of the purchase price to calculate property taxes for qualification purposes.  $XXXX  - Seller-09/19/2024 Open-Missing Evidence of Property Tax - Due Diligence Vendor-09/17/2024

Ready for Review-Please re-review and waive this condition.  For California property purchase transactions the lender uses 1.25% of the purchase price to calculate property taxes for qualification purposes.  $XXXX  - Seller-09/19/2024

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-09/20/2024

CA

Primary Residence

Purchase

NA

2390599

N/A

N/A

XXXX

xxxxxx5261

Closed

2024-09-17 17:06

2024-09-20 17:21

Resolved

1 - Information

B

A

Compliance

Missing Doc

Missing Right to Receive Appraisal

Resolved-Right to Receive Appraisal received - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. Right to Receive Appraisal. - Seller-09/19/2024 Open- - Due Diligence Vendor-09/17/2024

Ready for Review-Document Uploaded. Right to Receive Appraisal. - Seller-09/19/2024

Resolved-Right to Receive Appraisal received - Due Diligence Vendor-09/20/2024

XXXX

CA

Primary Residence

Purchase

NA

2391113

N/A

N/A

XXXX

xxxxx8008

Closed

2024-10-01 09:30

2024-10-07 15:55

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-document received - Due Diligence Vendor-10/07/2024 Open-TRID: Initial Loan Estimate is missing from file. - Due Diligence Vendor-10/01/2024

Resolved-document received - Due Diligence Vendor-10/07/2024

WA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2492073

N/A

N/A

XXXX

xxxxx8008

Closed

2024-10-07 15:52

2024-10-07 15:55

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-resolved - Due Diligence Vendor-10/07/2024 Open-The loan's (8.629%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg#’s _171___ and the Final Closing disclosure on Pg#’s  _92___ reflects escrows. Rate lock date was entered correctly – see Pg#’s _187____ An interior and exterior appraisal was completed for this property – see pg _15___ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s_196__ , and copy of the appraisal was given to the borrower – see Pg#’s _196____ for the copy of the disclosure. The loan meets HPML guidelines - Due Diligence Vendor-10/07/2024

Resolved-resolved - Due Diligence Vendor-10/07/2024

WA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2542300

N/A

N/A

XXXX

xxxxx8008

Closed

2024-10-01 07:14

2024-10-07 15:42

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Initial 1003 is Missing

Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/07/2024 Ready for Review-Document Uploaded.  - Seller-10/03/2024 Open-The Initial 1003 is Missing from file. - Due Diligence Vendor-10/01/2024

Ready for Review-Document Uploaded.  - Seller-10/03/2024

Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/07/2024

XXXX

WA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2491684

N/A

N/A

XXXX

xxxxx8008

Closed

2024-10-01 09:30

2024-10-07 15:33

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-received documents - Due Diligence Vendor-10/07/2024 Ready for Review-Document Uploaded.  - Seller-10/04/2024 Open-TRID: Missing Closing Disclosure TRID: Borrower signed Closing Disclosure is missing from file. - Due Diligence Vendor-10/01/2024

Ready for Review-Document Uploaded.  - Seller-10/04/2024

Resolved-received documents - Due Diligence Vendor-10/07/2024

XXXX

WA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2492075

N/A

N/A

XXXX

xxxxx8008

Closed

2024-10-03 19:52

2024-10-04 16:27

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign Provided, resolved - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded.  - Seller-10/04/2024 Open-provide the E-signature document - Due Diligence Vendor-10/03/2024

Ready for Review-Document Uploaded.  - Seller-10/04/2024

Resolved-E-Sign Provided, resolved - Due Diligence Vendor-10/04/2024

XXXX

WA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2519957

N/A

N/A

XXXX

xxxxx7447

Closed

2024-10-04 11:22

2024-10-09 13:12

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-10/09/2024 Ready for Review-Document Uploaded.  - Seller-10/07/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide the COC for the Loan Discount Fees on the Initial CD dated 08/29/2024 and provide the Disclosure Tracking Summary. - Due Diligence Vendor-10/04/2024

Ready for Review-Document Uploaded.  - Seller-10/07/2024

Resolved-Resolved - Due Diligence Vendor-10/09/2024

XXXX

TX

Primary Residence

Purchase

NA

2523700

N/A

N/A

XXXX

xxxxx7447

Closed

2024-09-27 15:43

2024-10-09 13:01

Resolved

1 - Information

C

A

Credit

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3)

Resolved-PDI with an inspection date of XXXX received - Due Diligence Vendor-10/09/2024 Ready for Review-Document Uploaded.  - Seller-10/07/2024 Open-Property potentially affected by FEMA Disaster. XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-09/27/2024

Ready for Review-Document Uploaded.  - Seller-10/07/2024

Resolved-PDI with an inspection date XXXX received - Due Diligence Vendor-10/09/2024

XXXX

TX

Primary Residence

Purchase

NA

2471937

N/A

N/A

XXXX

xxxxx7447

Closed

2024-10-02 15:24

2024-10-09 12:59

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign Consent Form received - Due Diligence Vendor-10/09/2024 Ready for Review-Document Uploaded.  - Seller-10/07/2024 Open-Provide E-Sign Consent Form - Due Diligence Vendor-10/02/2024

Ready for Review-Document Uploaded.  - Seller-10/07/2024

Resolved-E-Sign Consent Form received - Due Diligence Vendor-10/09/2024

XXXX

TX

Primary Residence

Purchase

NA

2505790

N/A

N/A

XXXX

xxxxx7447

Closed

2024-09-27 07:44

2024-10-04 11:14

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Loan Estimate

Resolved-Initial LE received - Due Diligence Vendor-10/04/2024 Open-Provide Initial LE - Due Diligence Vendor-09/27/2024

Resolved-Initial LE received - Due Diligence Vendor-10/04/2024

TX

Primary Residence

Purchase

NA

2468870

N/A

N/A

XXXX

xxxxx7447

Closed

2024-10-02 14:06

2024-10-04 11:13

Resolved

1 - Information

C

A

Compliance

Data

The Initial 1003 is Incomplete

Resolved-Fully executed Initial 1003 received - Due Diligence Vendor-10/04/2024 Open-Provide fully executed Initial 1003.  Borrower's 1 and 2 signatures are missing - Due Diligence Vendor-10/02/2024

Resolved-Fully executed Initial 1003 received - Due Diligence Vendor-10/04/2024

TX

Primary Residence

Purchase

NA

2504451

N/A

N/A

XXXX

xxxxx7447

Closed

2024-09-27 07:55

2024-10-04 11:09

Resolved

1 - Information

D

A

Compliance

Missing Doc

Homeownership Counseling Disclosure Is Missing

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/04/2024 Resolved-HOC received - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Open-Provide Homeownership Counseling Disclosure  - Due Diligence Vendor-09/27/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024

Resolved-Homeownership Counseling Disclosure Is Present or Not Applicable - Due Diligence Vendor-10/04/2024  Resolved-HOC received - Due Diligence Vendor-10/04/2024

XXXX

TX

Primary Residence

Purchase

NA

2468907

N/A

N/A

XXXX

xxxxx7447

Closed

2024-09-27 07:59

2024-10-04 11:09

Resolved

1 - Information

D

A

Compliance

Missing Doc

Consumer Caution and Home Owner Counseling Notice is Missing

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-10/04/2024 Resolved-Home Loan Toolkit Received - Due Diligence Vendor-10/04/2024 Open-Provide Home Loan Toolkit  - Due Diligence Vendor-09/27/2024

Resolved-Consumer Caution and Home Owner Counseling Notice is Present or Not Applicable - Due Diligence Vendor-10/04/2024  Resolved-Home Loan Toolkit Received - Due Diligence Vendor-10/04/2024

TX

Primary Residence

Purchase

NA

2468923

N/A

N/A

XXXX

xxxxx7447

Closed

2024-09-27 07:58

2024-10-04 11:07

Resolved

1 - Information

B

A

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Missing

Resolved-ABA received - Due Diligence Vendor-10/04/2024 Open-Provide Affiliated Business Arrangement Disclosure  - Due Diligence Vendor-09/27/2024

Resolved-ABA received - Due Diligence Vendor-10/04/2024

TX

Primary Residence

Purchase

NA

2468918

N/A

N/A

XXXX

xxxxx7447

Closed

2024-09-27 07:56

2024-10-04 11:06

Resolved

1 - Information

C

A

Compliance

Disclosure

Missing Intent to Proceed

Resolved-Intent to Proceed Received - Due Diligence Vendor-10/04/2024 Open-Missing Signed Intent to Proceed Disclosure. Required on Primary Residence and Second Homes. Provide Intent to Proceed  - Due Diligence Vendor-09/27/2024

Resolved-Intent to Proceed Received - Due Diligence Vendor-10/04/2024

TX

Primary Residence

Purchase

NA

2468909

N/A

N/A

XXXX

xxxxx8138

Closed

2024-09-27 17:34

2024-10-01 14:32

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign consent form provided - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/30/2024 Open-Provide the E-sign form - Due Diligence Vendor-09/27/2024

Ready for Review-Document Uploaded.  - Seller-09/30/2024

Resolved-E-Sign consent form provided - Due Diligence Vendor-10/01/2024

XXXX

TX

Primary Residence

Purchase

NA

2473498

N/A

N/A

XXXX

xxxxx7580

Closed

2024-09-28 06:45

2024-10-04 20:09

Waived

2 - Non-Material

C

B

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Exception approved. - Due Diligence Vendor-10/04/2024 Ready for Review-XXXX approves/acknowledges exception.  Ok to proceed. - Seller-10/02/2024 Open-Housing History Does Not Meet Guideline Requirements Exception page #507  to treat the XXXX XXXX civil judgment shown on fraud report as a collection/charge-off for the purposes of the guidelines. Sufficient reserves have been verified to cover the amount of the judgment. - Due Diligence Vendor-09/28/2024

Ready for Review-XXXX approves/acknowledges exception.  Ok to proceed. - Seller-10/02/2024

Waived-Exception approved. - Due Diligence Vendor-10/04/2024

DTI is 21.186%. Maximum allowed per guidelines is 50%. Borrower(s) have 20 months Reserves. Minimum required per guidelines is 5 months. Borrower Housing History is 0X30, 12 months. Housing History required per guidelines is 0X60, 12 months. Residual Income is $255514.01. Minimum Residual Income required per guidelines is $1800.

NJ

Investment

Purchase

NA

2477481

Originator Pre-Close

Yes

XXXX

xxxxx7580

Closed

2024-09-28 06:06

2024-10-04 19:32

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Business Narrative

Resolved-Business Narrative provided, resolved - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Open-Missing Business Narrative  - Due Diligence Vendor-09/28/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024

Resolved-Business Narrative provided, resolved - Due Diligence Vendor-10/04/2024

XXXX

NJ

Investment

Purchase

NA

2477380

N/A

N/A

XXXX

xxxxx7580

Closed

2024-10-01 20:38

2024-10-04 16:13

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign Provided, resolved - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Open-Missing the E-Signature form - Due Diligence Vendor-10/01/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024

Resolved-E-Sign Provided, resolved - Due Diligence Vendor-10/04/2024

XXXX

NJ

Investment

Purchase

NA

2499382

N/A

N/A

XXXX

xxxxx7580

Closed

2024-09-28 05:33

2024-10-03 05:49

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/03/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Open-Evidence of Rate Lock Missing - Due Diligence Vendor-09/28/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-10/03/2024

XXXX

NJ

Investment

Purchase

NA

2477314

N/A

N/A

XXXX

xxxxx7731

Closed

2024-09-30 11:01

2024-10-03 13:47

Resolved

1 - Information

C

A

Compliance

XXXX

License: Loan Originator

Open-Per NMLS-Consumer Access, the mortgage broker loan originator has a license in SC renewed through 2024 - Due Diligence Vendor-10/03/2024 Resolved-Updated L/O info on XXXX pages and Re-ran XXXX. XXXX resolved issue - Due Diligence Vendor-10/03/2024

Resolved-Updated L/O info on XXXX pages and Re-ran XXXX. XXXX resolved issue - Due Diligence Vendor-10/03/2024

SC

Primary Residence

Purchase

NA

2482610

N/A

N/A

XXXX

xxxxx7731

Closed

2024-10-03 13:12

2024-10-03 13:33

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Updated Transfer Taxes - Due Diligence Vendor-10/03/2024 Resolved- - Due Diligence Vendor-10/03/2024 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($3.70) were applied to the total fee variance of ($689.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-10/03/2024 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($3.70) were applied to the total fee variance of ($692.70) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-10/03/2024 Open-A Lender Credit for Excess Charges of ($0.00), Principal Reduction for Excess Charges of ($0.00), and general or specific lender credit increases of ($3.70) were applied to the total fee variance of ($689.00) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. - Due Diligence Vendor-10/03/2024

Resolved-Updated Transfer Taxes - Due Diligence Vendor-10/03/2024  Resolved- - Due Diligence Vendor-10/03/2024

SC

Primary Residence

Purchase

NA

2513659

N/A

N/A

XXXX

xxxxx7731

Closed

2024-09-30 11:01

2024-10-03 13:32

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 328 and the Final Closing disclosure on page 188 reflects escrows. Rate lock date was entered correctly – see page In Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 420-421 and copy of the appraisal was given to the borrower – see page 230. The loan meets HPML guidelines. - Due Diligence Vendor-10/03/2024 Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 328 and the Final Closing disclosure on page 188 reflects escrows. Rate lock date was entered correctly – see page In Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 420-421 and copy of the appraisal was given to the borrower – see page 230. The loan meets HPML guidelines. - Due Diligence Vendor-09/30/2024 Open-The loan's (10.926%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/30/2024

Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 328 and the Final Closing disclosure on page 188 reflects escrows. Rate lock date was entered correctly – see page In Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 420-421 and copy of the appraisal was given to the borrower – see page 230. The loan meets HPML guidelines. - Due Diligence Vendor-10/03/2024  Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 328 and the Final Closing disclosure on page 188 reflects escrows. Rate lock date was entered correctly – see page In Findings. An interior and exterior appraisal was completed for this property – see page 32, the appraisal disclosure was provided to the borrower(s)- see page 420-421 and copy of the appraisal was given to the borrower – see page 230. The loan meets HPML guidelines. - Due Diligence Vendor-09/30/2024

SC

Primary Residence

Purchase

NA

2482609

N/A

N/A

XXXX

xxxxx7731

Closed

2024-09-30 11:16

2024-10-03 13:12

Resolved

1 - Information

C

A

Compliance

TRID

Federal - Closing Disclosure and Consummation Date

Resolved-Received Initial CD - Due Diligence Vendor-10/03/2024 Ready for Review-Document Uploaded. ?????? - Seller-10/02/2024 Open-Provide Initial Closing Disclosure and any related COC's - Due Diligence Vendor-09/30/2024 Open-The Initial Closing Disclosure Received Date of (XXXX) is not three business days before the consummation date of (XXXX). Three business days before the consummation date is (XXXX). Under Regulation Z, a consumer must receive the Initial Closing Disclosure reflecting the actual terms of the transaction no later than three business days before consummation. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii)) . - Due Diligence Vendor-09/30/2024

Ready for Review-Document Uploaded. ?????? - Seller-10/02/2024

Resolved-Received Initial CD - Due Diligence Vendor-10/03/2024

XXXX

SC

Primary Residence

Purchase

NA

2482672

N/A

N/A

XXXX

xxxxx7731

Closed

2024-09-30 11:01

2024-09-30 11:16

Resolved

1 - Information

C

A

Compliance

Tolerance:Disclosure

Federal - Inaccurate Loan Product - Redisclosure and Waiting Period

Resolved-. - Due Diligence Vendor-09/30/2024 Open-The Loan Product of (Fixed Rate) on the Closing Disclosure is inaccurate. The actual Loan Product is (Fixed Rate). Under Regulation Z, if the Loan Product is inaccurate, a consumer must receive corrected Closing Disclosures no later than 3 business days before the consummation date of (2024-09-09). If a corrected Closing Disclosure is delivered to a consumer other than in person, a consumer is deemed to have received it 3 business days after the corrected Closing Disclosure is mailed or delivered, unless there is evidence of earlier receipt by a consumer. (12 CFR 1026.19(f)(1)(ii)(A)); 1026.19(f)(1)(iii); 1026.19(f)(2)(ii)(B)) . - Due Diligence Vendor-09/30/2024

Resolved-. - Due Diligence Vendor-09/30/2024

SC

Primary Residence

Purchase

NA

2482608

N/A

N/A

XXXX

xxxxx7731

Closed

2024-09-24 06:54

2024-09-30 07:24

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-09/30/2024 Ready for Review-Document Uploaded.  - Seller-09/27/2024 Open-Evidence of Rate Lock Missing Provide Confirmation of Rate Lock - Due Diligence Vendor-09/24/2024

Ready for Review-Document Uploaded.  - Seller-09/27/2024

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-09/30/2024

XXXX

SC

Primary Residence

Purchase

NA

2441467

N/A

N/A

XXXX

xxxxx7731

Closed

2024-09-27 16:28

2024-09-27 17:49

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived-Exception approved - Due Diligence Vendor-09/27/2024 Ready for Review-XXXX approves/acknowledges exception. - Seller-09/27/2024 Open-Audited Reserves of 6.65 month(s) are less than Guideline Required Reserves of 9 month(s) Exception Approval on XXXX by XXXX on page 346.  Exception Reason: Min Reserves Required- Loan File 6.65 months, GL Requirement 6 months + 3 mos addt'l reserves for no housing history= 9 months required reserves - Due Diligence Vendor-09/27/2024

Ready for Review-XXXX approves/acknowledges exception. - Seller-09/27/2024

Waived-Exception approved - Due Diligence Vendor-09/27/2024

DTI- Loan File 31.01%, GL Requirement Max 50% Residual Income- Loan File $9444.45, GL Requirement $2500 Tradelines - Loan File 22 since 2008, GL Requirement 2*24 months Job Stability- Loan File 4 years S/E, GL Requirement 2yrs S/E

SC

Primary Residence

Purchase

NA

2472443

Originator Pre-Close

Yes

XXXX

xxxxx7731

Closed

2024-09-27 16:11

2024-09-27 17:48

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign form provided, resolved. - Due Diligence Vendor-09/27/2024 Ready for Review-Document Uploaded.  - Seller-09/27/2024 Open-Provide E-Sign Consent Form - Due Diligence Vendor-09/27/2024

Ready for Review-Document Uploaded.  - Seller-09/27/2024

Resolved-E-Sign form provided, resolved. - Due Diligence Vendor-09/27/2024

XXXX

SC

Primary Residence

Purchase

NA

2472248

N/A

N/A

XXXX

xxxxx7495

Closed

2024-09-30 15:12

2024-10-04 19:33

Resolved

1 - Information

B

A

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Missing

Resolved-ABA provided, resolved - Due Diligence Vendor-10/04/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Counter-PDF received; however, unable to open.  Reload Initial Disc PDF - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/30/2024 Open-Provide Affiliated Business Arrangement Disclosure  - Due Diligence Vendor-09/30/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024  Ready for Review-Document Uploaded.  - Seller-09/30/2024

Resolved-ABA provided, resolved - Due Diligence Vendor-10/04/2024

XXXX

IL

Investment

Refinance

Cash Out - Other

2484969

N/A

N/A

XXXX

xxxxx7495

Closed

2024-09-30 13:43

2024-10-01 18:05

Waived

2 - Non-Material

C

B

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-Exception approved - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/30/2024 Open-Borrower Type ineligible per program guidelines. Document Uploaded. Note was signed XXXX - Due Diligence Vendor-09/30/2024

Ready for Review-Document Uploaded.  - Seller-09/30/2024

Waived-Exception approved - Due Diligence Vendor-10/01/2024

XXXX

DSCR- Loan File 1.478, GL Requirement 1.0 FICO- Loan File 767, GL Requirement Min 700 Housing History - Loan File 0x30x 29months, GL Requirement Min 1x30x12 months Tradelines - Loan File 25 open tradelines GL Requirement No Min Required for 3 credit scores Consumer Payment History Loan File 0x30x54 months GL Requirement 0x60x12 months

IL

Investment

Refinance

Cash Out - Other

2483864

Originator Post-Close

Yes

XXXX

xxxxx7495

Closed

2024-09-30 13:48

2024-10-01 12:31

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign Consent Form received - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/30/2024 Open-Provide E-Sign Consent Form - Due Diligence Vendor-09/30/2024

Ready for Review-Document Uploaded.  - Seller-09/30/2024

Resolved-E-Sign Consent Form received - Due Diligence Vendor-10/01/2024

XXXX

IL

Investment

Refinance

Cash Out - Other

2483915

N/A

N/A

XXXX

xxxxx7793

Closed

2024-09-27 20:01

2024-10-09 15:49

Resolved

1 - Information

A

A

Credit

Credit

Spousal Consent Missing

Resolved-Validation Resolved' - Due Diligence Vendor-10/09/2024 Open-spousal consent form is missing - Due Diligence Vendor-10/09/2024 Open-In AK, AZ, ID, LA, NM, TX, WA, when a personal guaranty is present, then evidence of spousal consent is also required. open - Due Diligence Vendor-09/27/2024

Resolved-Validation Resolved' - Due Diligence Vendor-10/09/2024

TX

Investment

Purchase

NA

2475700

N/A

N/A

XXXX

xxxxx7793

Closed

2024-09-27 20:13

2024-10-01 18:10

Waived

2 - Non-Material

C

B

Credit

Eligibility

Business Purpose Loan: Check if Signor is applicable per guideline

Waived-Exception approved - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/30/2024 Open-Guidelines do not allow entity to sign note - Due Diligence Vendor-09/27/2024

Ready for Review-Document Uploaded.  - Seller-09/30/2024

Waived-Exception approved - Due Diligence Vendor-10/01/2024

XXXX

Personal guaranty signed by borrower present in file. DSCR is 1.52. Minimum required per guidelines is 0. Credit Score is 798. Minimum required per guidelines is 700. Borrower(s) have 83.01 months Reserves. Minimum required per guidelines is 2 months. Extensive back to 2002 tradelines exceed min, no min required as per guidelines.

TX

Investment

Purchase

NA

2475809

Originator Post-Close

Yes

XXXX

xxxxx7793

Closed

2024-09-24 05:47

2024-10-01 18:08

Waived

2 - Non-Material

C

B

Credit

Assets

Asset General

Waived-Exception approved - Due Diligence Vendor-10/01/2024 Ready for Review-XXXX approves/acknowledges exception. - Seller-09/30/2024 Open-Exception on page#396 EXCEPTION REQUESTED FOR USE OF 100% OF BUSINESS ASSETS. BORROWER HAS 50/50% OWNERSHIP OF THE BUSINESS WITH THE SPOUSE.  - Due Diligence Vendor-09/24/2024

Ready for Review-XXXX approves/acknowledges exception. - Seller-09/30/2024

Waived-Exception approved - Due Diligence Vendor-10/01/2024

1.DSCR is 1.52. Minimum required per guidelines is 0. 2.Credit Score is 798. Minimum required per guidelines is 700. 3.Borrower(s) have 83.01 months Reserves. Minimum required per guidelines is 2 months. 4.Extensive back to 2002 tradelines exceed min, no min required as per guidelines.

TX

Investment

Purchase

NA

2441348

Originator Pre-Close

Yes

XXXX

xxxxx7793

Closed

2024-09-27 20:17

2024-10-01 14:51

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-Received the E-signature consent form - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/30/2024 Open-Provide the E-signature form  - Due Diligence Vendor-09/27/2024

Ready for Review-Document Uploaded.  - Seller-09/30/2024

Resolved-Received the E-signature consent form - Due Diligence Vendor-10/01/2024

XXXX

TX

Investment

Purchase

NA

2475845

N/A

N/A

XXXX

xxxxx8958

Closed

2024-09-24 16:44

2024-09-25 16:31

Waived

2 - Non-Material

C

B

Credit

Eligibility

Ineligible Borrower per program guidelines

Waived-Exception approved - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/24/XXXX on behalf of the Business Entity, XXXX.  Provide exception - Due Diligence Vendor-09/24/2024

Ready for Review-Document Uploaded.  - Seller-09/24/2024

Waived-Exception approved - Due Diligence Vendor-09/25/2024

XXXX

Reserves- Loan File 7.49 months, GL Requirements Min 2 months Credit Score- Loan File 704, GL Requirements Min 700 Housing History- Loan File 0x30x12, GL Requirement 1x30x24 Personal Guaranty with full recourse executed by borrower present in file

GA

Investment

Purchase

NA

2445580

Originator Post-Close

Yes

XXXX

xxxxx8958

Closed

2024-09-24 16:33

2024-09-25 11:03

Resolved

1 - Information

B

A

Credit

Doc Issue

Affiliated Business Arrangement Disclosure Statement is Missing

Resolved-ABA Received - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/24/2024 Open-Provide Affiliated Business Arrangement Disclosure  - Due Diligence Vendor-09/24/2024

Ready for Review-Document Uploaded.  - Seller-09/24/2024

Resolved-ABA Received - Due Diligence Vendor-09/25/2024

XXXX

GA

Investment

Purchase

NA

2445456

N/A

N/A

XXXX

xxxxx8085

Closed

2024-09-26 12:53

2024-09-27 14:21

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Disclosure Tracking Summary and Initial CD received - Due Diligence Vendor-09/27/2024 Ready for Review-Document Uploaded.  - Seller-09/26/2024 Open-TRID: Missing Closing Disclosure Provide executed Initial CD and/or Disclosure Tracking Summary - Due Diligence Vendor-09/26/2024

Ready for Review-Document Uploaded.  - Seller-09/26/2024

Resolved-Disclosure Tracking Summary and Initial CD received - Due Diligence Vendor-09/27/2024

XXXX

NJ

Primary Residence

Refinance

Cash Out - Other

2460596

N/A

N/A

XXXX

xxxxx8085

Closed

2024-09-26 12:02

2024-09-27 14:19

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved- E-Sign Consent Form received - Due Diligence Vendor-09/27/2024 Ready for Review-Document Uploaded.  - Seller-09/26/2024 Open-Provide E-Sign Consent Form - Due Diligence Vendor-09/26/2024

Ready for Review-Document Uploaded.  - Seller-09/26/2024

Resolved- E-Sign Consent Form received - Due Diligence Vendor-09/27/2024

XXXX

NJ

Primary Residence

Refinance

Cash Out - Other

2460143

N/A

N/A

XXXX

xxxxx8965

Closed

2024-09-27 12:22

2024-09-27 12:27

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 439 and the Final Closing disclosure on page 228 reflects escrows. Rate lock date was entered correctly – see page 209. An interior and exterior appraisal was completed for this property – see page 27, the appraisal disclosure was provided to the borrower(s)- see page 503-504 and copy of the appraisal was given to the borrower – see page 80, 200-201. The loan meets HPML guidelines. - Due Diligence Vendor-09/27/2024 Open-The loan's (8.15%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/27/2024

Resolved-This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)). Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on page 439 and the Final Closing disclosure on page 228 reflects escrows. Rate lock date was entered correctly – see page 209. An interior and exterior appraisal was completed for this property – see page 27, the appraisal disclosure was provided to the borrower(s)- see page 503-504 and copy of the appraisal was given to the borrower – see page 80, 200-201. The loan meets HPML guidelines. - Due Diligence Vendor-09/27/2024

TX

Primary Residence

Purchase

NA

2469927

N/A

N/A

XXXX

xxxxx8965

Closed

2024-09-25 16:09

2024-09-27 12:19

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Revised CD dated XXXX and COC received.  - Due Diligence Vendor-09/27/2024 Ready for Review-Document Uploaded.  - Seller-09/26/2024 Open-TRID: Missing Closing Disclosure Provide Revised Closing Disclosure dated XXXX and any related COC's  - Due Diligence Vendor-09/25/2024

Ready for Review-Document Uploaded.  - Seller-09/26/2024

Resolved-Revised CD dated XXXX and COC received.  - Due Diligence Vendor-09/27/2024

XXXX

TX

Primary Residence

Purchase

NA

2454151

N/A

N/A

XXXX

xxxxx8965

Closed

2024-09-18 10:26

2024-09-25 16:08

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD and Disclosure Tracking Summary received. - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/24/2024 Open-TRID: Missing Closing Disclosure Provide Initial Closing Disclosure, Disclosure Tracking Summary and related COC's  - Due Diligence Vendor-09/18/2024

Ready for Review-Document Uploaded.  - Seller-09/24/2024

Resolved-Initial CD and Disclosure Tracking Summary received. - Due Diligence Vendor-09/25/2024

XXXX

TX

Primary Residence

Purchase

NA

2396656

N/A

N/A

XXXX

xxxxx8965

Closed

2024-09-24 14:22

2024-09-25 16:06

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign Consent form received - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/24/2024 Open-Provide E-Sign Consent form - Due Diligence Vendor-09/24/2024

Ready for Review-Document Uploaded.  - Seller-09/24/2024

Resolved-E-Sign Consent form received - Due Diligence Vendor-09/25/2024

XXXX

TX

Primary Residence

Purchase

NA

2443712

N/A

N/A

XXXX

xxxxx8965

Closed

2024-09-18 10:22

2024-09-25 07:56

Resolved

1 - Information

D

A

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/24/2024 Open-Evidence of Rate Lock Missing Provide Rate Lock Confirmation - Due Diligence Vendor-09/18/2024

Ready for Review-Document Uploaded.  - Seller-09/24/2024

Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-09/25/2024

XXXX

TX

Primary Residence

Purchase

NA

2396654

N/A

N/A

XXXX

xxxxxx6867

Closed

2024-09-16 12:01

2024-10-01 20:43

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Letter of Explanation (Credit)

Resolved-The LOE for Rent Free is attached, resolved.  - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-09/27/2024 Counter-The letter of explanation for rent free is missing the correct borrowers name and how long the borrower has been living rent free on the LOE. Requesting to provide an updated letter of explanation from the person the borrower lives rent free with. - Due Diligence Vendor-09/26/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-09/25/2024 Counter-The screen shot of the rent free letter attached below is signed by the borrower. Requesting Rent Free letter from the Owner of the Property, addressing the borrower's rent-free status.  - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. Hi XXXX, the Rent Free Letter is on page 231 of our package. - Seller-09/19/2024 Open-Provide LOX on Rent Free from the Owner of the Property, addressing the borrower's rent-free status, provided LOX for Rent Free is Signed by the Borrower.  - Due Diligence Vendor-09/16/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-09/27/2024  Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-09/25/2024  Ready for Review-Document Uploaded. Hi XXXX, the Rent Free Letter is on page 231 of our package. - Seller-09/19/2024

Resolved-The LOE for Rent Free is attached, resolved.  - Due Diligence Vendor-10/01/2024

XXXX

CA

Primary Residence

Purchase

NA

2379014

N/A

N/A

XXXX

xxxxxx6867

Closed

2024-09-18 15:59

2024-09-20 17:03

Resolved

1 - Information

C

A

Credit

Credit

Lender Approval Form is Missing

Resolved-Lender Approval form provided.  - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached corrected to A+ - Seller-09/19/2024 Open-The Lender Approval form page 1013 reflects Credit Grade "A" and the 1008 reflects Credit Grade "A+". Requesting updated Lender Approval form.  - Due Diligence Vendor-09/18/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached corrected to A+ - Seller-09/19/2024

Resolved-Lender Approval form provided.  - Due Diligence Vendor-09/20/2024

XXXX

CA

Primary Residence

Purchase

NA

2400495

N/A

N/A

XXXX

xxxxx8201

Closed

2024-09-30 18:00

2024-10-10 04:20

Resolved

1 - Information

B

A

Credit

Credit

Property potentially affected by FEMA Disaster(s) PUBLIC ASSISTANCE AREA (2)

Resolved-PDI provided, resolved. - Due Diligence Vendor-10/10/2024 Ready for Review-Document Uploaded.  - Seller-10/07/2024 Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX with an Incident End Date of XXXX with Public Assistance: YES and Individual Assistance: NO. Property inspection with exterior photos required.  - Due Diligence Vendor-09/30/2024

Ready for Review-Document Uploaded.  - Seller-10/07/2024

Resolved-PDI provided, resolved. - Due Diligence Vendor-10/10/2024

XXXX

FL

Primary Residence

Purchase

NA

2487602

N/A

N/A

XXXX

xxxxx5021

Closed

2024-10-04 15:42

2024-11-25 17:02

Resolved

1 - Information

C

A

Credit

Eligibility

Delinquent Credit History Does Not Meet Guideline Requirements

Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-10/11/2024 Resolved-Per Investor, XXXX, Recent Level 2, allows the BK to be settled with no additional seasoning so we are ok there. The house was not surrendered, the mortgage was reaffirmed, and we have the VOM to support. - Due Diligence Vendor-10/11/2024 Ready for Review-Document Uploaded. XXXX, Recent Level 2, allows the BK to be settled with no additional seasoning so we are ok there.   The house was not surrendered, the mortgage was reaffirmed, and we have the VOM to support. - Seller-10/10/2024 Open-Delinquent Credit History Does Not Meet Guideline Requirements Chapter 7 Bankruptcy was discharged, and Final Decree filed XXXX which is less than 12 months. Also, provide documentation that the primary residence was surrendered in BK. Provide Exception - Due Diligence Vendor-10/04/2024

Ready for Review-Document Uploaded. XXXX, Recent Level 2, allows the BK to be settled with no additional seasoning so we are ok there.   The house was not surrendered, the mortgage was reaffirmed, and we have the VOM to support. - Seller-10/10/2024

Resolved-Delinquent Credit History Meets Guideline Requirements - Due Diligence Vendor-10/11/2024  Resolved-Per Investor, 2nd Chance, Recent Level 2, allows the BK to be settled with no additional seasoning so we are ok there. The house was not surrendered, the mortgage was reaffirmed, and we have the VOM to support. - Due Diligence Vendor-10/11/2024

XXXX

CA

Primary Residence

Purchase

NA

2527459

N/A

N/A

XXXX

xxxxx5021

Closed

2024-10-04 15:33

2024-10-11 12:06

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/11/2024 Resolved-Disclosure Tracking Summary received.  - Due Diligence Vendor-10/11/2024 Ready for Review-Document Uploaded.  - Seller-10/08/2024 Open-TRID: Missing Closing Disclosure Provide Executed Initial CD and Disclosure Tracking Summary - Due Diligence Vendor-10/04/2024

Ready for Review-Document Uploaded.  - Seller-10/08/2024

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-10/11/2024  Resolved-Disclosure Tracking Summary received.  - Due Diligence Vendor-10/11/2024

XXXX

CA

Primary Residence

Purchase

NA

2527338

N/A

N/A

XXXX

xxxxx5021

Closed

2024-09-28 13:55

2024-10-11 11:58

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-Resolved - Due Diligence Vendor-10/11/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-10/11/2024 Ready for Review-Document Uploaded.  - Seller-10/08/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees, Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Loan Discount Points were added iao $5755.24. Provide COC dated on or about Closing Date 09/13/2024 - Due Diligence Vendor-09/28/2024

Ready for Review-Document Uploaded.  - Seller-10/08/2024

Resolved-Resolved - Due Diligence Vendor-10/11/2024

XXXX

CA

Primary Residence

Purchase

NA

2478293

N/A

N/A

XXXX

xxxxx5021

Closed

2024-10-04 15:23

2024-10-11 10:51

Resolved

1 - Information

D

A

Credit

Missing Doc

File does not contain all required Asset Statement(s)

Resolved-Asset Worksheet provided. - Due Diligence Vendor-10/11/2024 Ready for Review-Document Uploaded.  - Seller-10/10/2024 Open-Provide Asset Worksheet - Due Diligence Vendor-10/04/2024

Ready for Review-Document Uploaded.  - Seller-10/10/2024

Resolved-Asset Worksheet provided. - Due Diligence Vendor-10/11/2024

XXXX

CA

Primary Residence

Purchase

NA

2527224

N/A

N/A

XXXX

xxxxx5021

Closed

2024-10-04 14:41

2024-10-11 10:46

Resolved

1 - Information

C

A

Credit

Income/Employment

Income/Employment General

Resolved-Income calculation worksheet that supports $1880.25 has been provided. - Due Diligence Vendor-10/11/2024 Ready for Review-Document Uploaded.  - Seller-10/10/2024 Open-Commission Income - 2024 YTD $21,465+2023 $22,563= $44,028/ 24 months = $1834.50; however, 1008 and Final 1003 reflect $1880.25.  Income Calculation worksheet reflects per UW, as of now qualified borrower using 2023 W2 income and requested WVOE to verify 2 years history of Misc. pay income reflecting on paystub. Provide documentation/calculation that supports $1880.25 - Due Diligence Vendor-10/04/2024

Ready for Review-Document Uploaded.  - Seller-10/10/2024

Resolved-Income calculation worksheet that supports $1880.25 has been provided. - Due Diligence Vendor-10/11/2024

XXXX

CA

Primary Residence

Purchase

NA

2525750

N/A

N/A

XXXX

xxxxx5021

Closed

2024-10-04 14:45

2024-10-10 23:10

Resolved

1 - Information

B

A

Compliance

Missing Doc

Missing Loan program disclosure

Resolved-Loan Approval Provided, approved. - Due Diligence Vendor-10/10/2024 Ready for Review-Document Uploaded.  - Seller-10/08/2024 Open-Provide Loan Approval with Income doc type is Full Doc 12 month or Full Doc 24 months. - Due Diligence Vendor-10/04/2024

Ready for Review-Document Uploaded.  - Seller-10/08/2024

Resolved-Loan Approval Provided, approved. - Due Diligence Vendor-10/10/2024

XXXX

CA

Primary Residence

Purchase

NA

2525789

N/A

N/A

XXXX

xxxxx5021

Closed

2024-10-04 14:02

2024-10-10 23:10

Resolved

1 - Information

B

A

Compliance

Compliance

Deficient E-Sign Form.

Resolved-E-Sign provided, resolved. - Due Diligence Vendor-10/10/2024 Ready for Review-Document Uploaded.  - Seller-10/08/2024 Open-Provide E-Sign Consent Form - Due Diligence Vendor-10/04/2024

Ready for Review-Document Uploaded.  - Seller-10/08/2024

Resolved-E-Sign provided, resolved. - Due Diligence Vendor-10/10/2024

XXXX

CA

Primary Residence

Purchase

NA

2525212

N/A

N/A

XXXX

xxxxxx7192

Closed

2024-09-17 07:23

2024-09-30 17:48

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-09/30/2024 Ready for Review-Document Uploaded.  - Seller-09/27/2024 Counter-The #XXXX property is still on the 1003. - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/25/2024 Open-The Final 1003 is Missing Final 1003 REO section reflecting property XXXX as borrower's owned and also credit report page#324 reflecting  XXXX on the same property but Letter Of Explanation in page#463 mentions above property is borrower son's property with no ownership on borrower. Please provide Updated Final 1003 with corrected REO section. - Due Diligence Vendor-09/17/2024

Ready for Review-Document Uploaded.  - Seller-09/27/2024  Ready for Review-Document Uploaded.  - Seller-09/25/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-09/30/2024

XXXX

CA

Primary Residence

Refinance

Cash Out - Other

2386300

N/A

N/A

XXXX

xxxxxx7819

Closed

2024-09-19 03:07

2024-10-08 21:05

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-Full PITIA for departing residence is being referenced as negative cash flow in employment screen.  - Due Diligence Vendor-10/08/2024 Ready for Review-Borrower does not have a negative rental income, he qualified with both house payments. - Seller-10/04/2024 Counter-1008 is attached, need revised 1003 attached with Missing negative cash flow for departing residence under real estate section which needs to be referenced. - Due Diligence Vendor-10/02/2024 Ready for Review-Document Uploaded.  - Seller-10/01/2024 Counter-The Final 1003 is Incomplete Missing negative cash flow for departing residence under real estate section which needs to be referenced.  - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded. Monthly debts $2028+$1348= $3376 - Seller-09/28/2024 Counter-The attached is corrupted. Please reattach corrected 1003.  - Due Diligence Vendor-09/27/2024 Ready for Review-Document Uploaded.  - Seller-09/26/2024 Open-The Final 1003 is Incomplete Missing negative cash flow for departing residence under real estate section.  - Due Diligence Vendor-09/19/2024

Ready for Review-Borrower does not have a negative rental income, he qualified with both house payments. - Seller-10/04/2024  Ready for Review-Document Uploaded.  - Seller-10/01/2024  Ready for Review-Document Uploaded. Monthly debts $2028+$1348= $3376 - Seller-09/28/2024  Ready for Review-Document Uploaded.  - Seller-09/26/2024

Resolved-Full PITIA for departing residence is being referenced as negative cash flow in employment screen.  - Due Diligence Vendor-10/08/2024

XXXX

CA

Primary Residence

Purchase

NA

2405728

N/A

N/A

XXXX

xxxxxx7819

Closed

2024-09-17 12:15

2024-09-27 13:59

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Per the attached from CFPB for transactions which are not rescindable, there is no requirement to provide the final CD to a non borrowing owner or another non borrowing consumer who may have an interest in the property.  - Due Diligence Vendor-09/27/2024 Ready for Review-Yes, and make a comment that the CFPB has not longer required the NBS to sign the CD for purchase transactions.  - Seller-09/26/2024 Ready for Review-Document Uploaded.  - Seller-09/26/2024 Open-TRID: Missing Closing Disclosure Provided final CD pg-158, is missing with non borrower sign on document.  - Due Diligence Vendor-09/17/2024

Ready for Review-Yes, and make a comment that the CFPB has not longer required the NBS to sign the CD for purchase transactions.  - Seller-09/26/2024  Ready for Review-Document Uploaded.  - Seller-09/26/2024

Resolved-Per the attached from CFPB for transactions which are not rescindable, there is no requirement to provide the final CD to a non borrowing owner or another non borrowing consumer who may have an interest in the property.  - Due Diligence Vendor-09/27/2024

XXXX

CA

Primary Residence

Purchase

NA

2387399

N/A

N/A

XXXX

xxxxxx5047

Closed

2024-09-18 11:21

2024-09-20 05:52

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing Borrower 1 ITIN Information

Resolved-Updated Final 1003 is uploaded; Borrower 1 is a US citizen, verified & entered in System - Resolved.   - Due Diligence Vendor-09/20/2024 Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/20/2024 Ready for Review-Document Uploaded.  - Seller-09/19/2024 Ready for Review-borrower is a citizen, verification on page 675 of loan docs - Seller-09/19/2024 Open-Borrower 1 ITIN information Missing. Please provide acceptable documentation. - Due Diligence Vendor-09/18/2024

Ready for Review-Document Uploaded.  - Seller-09/19/2024  Ready for Review-borrower is a citizen, verification on page 675 of loan docs - Seller-09/19/2024

Resolved-Updated Final 1003 is uploaded; Borrower 1 is a US citizen, verified & entered in System - Resolved.   - Due Diligence Vendor-09/20/2024  Resolved-Validation Resolved or Not Applicable - Due Diligence Vendor-09/20/2024

XXXX

CA

Primary Residence

Refinance

Cash Out - Other

2396961

N/A

N/A

XXXX

xxxxxx7849

Closed

2024-09-20 05:04

2024-10-16 19:47

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD received and reviewed. XXXX run successfully. Resolved - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded.  - Seller-10/11/2024 Open-TRID: Missing Closing Disclosure Gift funds are not reflected on the final CD. - Due Diligence Vendor-09/20/2024

Ready for Review-Document Uploaded.  - Seller-10/11/2024

Resolved-PCCD received and reviewed. XXXX run successfully. Resolved - Due Diligence Vendor-10/16/2024

XXXX

CA

Primary Residence

Purchase

NA

2414814

N/A

N/A

XXXX

xxxxxx7849

Closed

2024-09-20 12:04

2024-10-03 18:29

Resolved

1 - Information

D

A

Credit

Missing Doc

1008 Document is Missing

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/03/2024 Open-The 1008 document is missing from the loan file. - Due Diligence Vendor-10/03/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Open-The 1008 document is missing from the loan file. Loan is a purchase. Required funds to close is a negative number.  - Due Diligence Vendor-09/20/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024

Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/03/2024

XXXX

CA

Primary Residence

Purchase

NA

2416101

N/A

N/A

XXXX

xxxxxx8028

Closed

2024-09-20 08:48

2024-09-23 20:23

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-09/23/2024 Ready for Review-Document Uploaded.  - Seller-09/23/2024 Open-The Final 1003 is Missing - Due Diligence Vendor-09/20/2024

Ready for Review-Document Uploaded.  - Seller-09/23/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-09/23/2024

XXXX

FL

Primary Residence

Purchase

NA

2415323

N/A

N/A

XXXX

xxxxxx7340

Closed

2024-09-23 15:41

2024-10-01 15:51

Resolved

1 - Information

C

A

Credit

Credit

Property potentially affected by FEMA Disaster(s) INDIVIDUAL ASSISTANCE AREA (3)

Resolved-"per disaster condition report dated XXXX pictures and report showing that the property is free and clear of disaster damage. - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/30/2024 Open-Property potentially affected by FEMA Disaster. XXXX with Public Assistance: YES and Individual Assistance: YES. Property inspection with exterior photos required. - Due Diligence Vendor-09/23/2024

Ready for Review-Document Uploaded.  - Seller-09/30/2024

Resolved-"per disaster condition report dated XXXX pictures and report showing that the property is free and clear of disaster damage. - Due Diligence Vendor-10/01/2024

XXXX

FL

Primary Residence

Purchase

NA

2435813

N/A

N/A

XXXX

xxxxxx7340

Closed

2024-09-23 08:42

2024-09-26 17:25

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-09/26/2024 Ready for Review-Document Uploaded.  - Seller-09/25/2024 Open-TRID: Missing Final Closing Disclosure Provide the final cd with full pages , we have final cd is in file on page# 152 but 3rd (3/5) is missing. - Due Diligence Vendor-09/23/2024

Ready for Review-Document Uploaded.  - Seller-09/25/2024

Resolved-TRID: Final Closing Disclosure Provided - Due Diligence Vendor-09/26/2024

XXXX

FL

Primary Residence

Purchase

NA

2432439

N/A

N/A

XXXX

xxxxxx8319

Closed

2024-09-25 13:24

2024-11-07 17:29

Waived

2 - Non-Material

C

B

Compliance

HigherPriced:APR

North Carolina - Rate Spread Home Loan (First Lien 10/13)(Conforming)

Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-11/07/2024 Waived- - Due Diligence Vendor-10/28/2024 Waived-Per External Counsel Appropriate to Waive as a B Grade  - Due Diligence Vendor-09/25/2024 Open-The loan's (9.449%) APR equals or exceeds the North Carolina Rate Spread Home Loan threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(N.C. Gen. Stat. 24-1.1F(a1); 15 USC 1639c(c)(1)(B)(ii); 12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-09/25/2024

Waived-Per External Counsel Appropriate to Waive as a B Grade - Due Diligence Vendor-11/07/2024  Waived-Per External Counsel Appropriate to Waive as a B Grade  - Due Diligence Vendor-09/25/2024

NC

Primary Residence

Purchase

NA

2451974

Originator Post-Close

No

XXXX

xxxxxx8319

Closed

2024-09-25 04:41

2024-10-28 17:23

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-The loan's (9.449%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 331 and the Final Closing disclosure on Pg#’s 193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 338. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 370, and confirmation the appraisal was delivered to the borrower in findings.  - Due Diligence Vendor-10/28/2024 Open-. - Due Diligence Vendor-10/28/2024 Resolved-The loan's (9.449%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 331 and the Final Closing disclosure on Pg#’s 193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 338. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 370, and confirmation the appraisal was delivered to the borrower in findings. - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded.  - Seller-10/15/2024 Open-The loan's (9.449%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 331 and the Final Closing disclosure on Pg#’s 193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 338. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 370, and confirmation the appraisal was delivered to the borrower is missing.  - Due Diligence Vendor-09/25/2024

Ready for Review-Document Uploaded.  - Seller-10/15/2024

Resolved-The loan's (9.449%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 331 and the Final Closing disclosure on Pg#’s 193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 338. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 370, and confirmation the appraisal was delivered to the borrower in findings.  - Due Diligence Vendor-10/28/2024  Resolved-The loan's (9.449%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 331 and the Final Closing disclosure on Pg#’s 193, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 338. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 370, and confirmation the appraisal was delivered to the borrower in findings. - Due Diligence Vendor-10/17/2024

XXXX

NC

Primary Residence

Purchase

NA

2449733

N/A

N/A

XXXX

xxxxxx8319

Closed

2024-10-28 17:03

2024-10-28 17:22

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/28/2024 Resolved- - Due Diligence Vendor-10/28/2024 Open- - Due Diligence Vendor-10/28/2024 Resolved-Housing History Meets Guideline Requirements. Current Rent History page 239 verified for 26 months, reporting as 24 months for 12 month variable. - Due Diligence Vendor-10/28/2024

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/28/2024  Resolved-Housing History Meets Guideline Requirements. Current Rent History page 239 verified for 26 months, reporting as 24 months for 12 month variable. - Due Diligence Vendor-10/28/2024

NC

Primary Residence

Purchase

NA

2696023

N/A

N/A

XXXX

xxxxxx8319

Closed

2024-10-09 17:59

2024-10-28 16:53

Resolved

1 - Information

C

A

Credit

Credit

FEMA disaster issue and/or risk.

Resolved-No damage noted on inspection report for Property potentially affected by FEMA Disaster. XXXX. Cleared per G/L's.  - Due Diligence Vendor-10/28/2024 Ready for Review-Document Uploaded.  - Seller-10/25/2024 Open-Property potentially affected by FEMA Disaster. XXXX - Declared XXXX without an Incident End Date with Public Assistance: YES and Individual Assistance: YES. After the disaster end date, a Property inspection with exterior photos is required.  - Due Diligence Vendor-10/09/2024

Ready for Review-Document Uploaded.  - Seller-10/25/2024

Resolved-No damage noted on inspection report for Property potentially affected by FEMA Disaster. XXXX Cleared per G/L's.  - Due Diligence Vendor-10/28/2024

XXXX

NC

Primary Residence

Purchase

NA

2562106

N/A

N/A

XXXX

xxxxxx8319

Closed

2024-09-25 13:29

2024-10-21 16:02

Resolved

1 - Information

C

A

Credit

Title

Property Title Issue

Resolved-Property Title Issue Resolved - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded.  - Seller-10/18/2024 Open-Property Title Issue per title page 401. Satisfaction of judgment(s) recorded in the Office of the XXXX, or proof satisfactory to the Insurer that said judgment(s) do not encumber the insured property. - Due Diligence Vendor-09/25/2024

Ready for Review-Document Uploaded.  - Seller-10/18/2024

Resolved-Property Title Issue Resolved - Due Diligence Vendor-10/21/2024

XXXX

NC

Primary Residence

Purchase

NA

2452019

N/A

N/A

XXXX

xxxxxx0910

Closed

2024-09-25 12:26

2024-10-15 15:05

Resolved

1 - Information

C

A

Compliance

XXXX

License: Loan Originator

Resolved- - Due Diligence Vendor-10/15/2024 Ready for Review-Document Uploaded.  - Seller-10/11/2024 Open-The NMLS ID (XXXX) of the loan originator does not exist. - Due Diligence Vendor-09/25/2024

Ready for Review-Document Uploaded.  - Seller-10/11/2024

Resolved- - Due Diligence Vendor-10/15/2024

XXXX

MI

Primary Residence

Purchase

NA

2451343

N/A

N/A

XXXX

xxxxxx0910

Closed

2024-09-25 12:26

2024-10-15 15:05

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-. - Due Diligence Vendor-10/15/2024 Resolved-. - Due Diligence Vendor-10/15/2024 Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 452 and the Final Closing disclosure on Pg#’s 278, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 459. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 530, and confirmation the appraisal was delivered to the borrower – see Pg#’s 27. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-09/25/2024 Open-The loan's (9.458%) APR equals or exceeds the Federal HPML threshold of (7.82%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.32%).(12 CFR 1026.35(a)(1)(i)) This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s xxx and the Final Closing disclosure on Pg#’s xxx, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s xxx. An interior and exterior appraisal was completed for this property – see pg xxx, the appraisal disclosure was provided to the borrower(s)- see Pg#’s xxx, and confirmation the appraisal was delivered to the borrower – see Pg#’s xxx. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-09/25/2024

Resolved-. - Due Diligence Vendor-10/15/2024  Resolved-. - Due Diligence Vendor-10/15/2024  Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 452 and the Final Closing disclosure on Pg#’s 278, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 459. An interior and exterior appraisal was completed for this property – see pg 30, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 530, and confirmation the appraisal was delivered to the borrower – see Pg#’s 27. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-09/25/2024

MI

Primary Residence

Purchase

NA

2451344

N/A

N/A

XXXX

xxxxxx0910

Closed

2024-09-25 12:26

2024-10-15 14:58

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-10/15/2024 Ready for Review-Document Uploaded.  - Seller-10/11/2024 Open-Discount fees added to LE on 9/11. Need COC.  - Due Diligence Vendor-09/25/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-09/25/2024

Ready for Review-Document Uploaded.  - Seller-10/11/2024

Resolved- - Due Diligence Vendor-10/15/2024

XXXX

MI

Primary Residence

Purchase

NA

2451342

N/A

N/A

XXXX

xxxxxx0910

Closed

2024-09-24 07:22

2024-09-25 12:31

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Initial CD uploaded. Resolved.  - Due Diligence Vendor-09/25/2024 Ready for Review-Document Uploaded.  - Seller-09/24/2024 Open-TRID: Missing Closing Disclosure Initial CD missing from loan file. Please provide Initial CD (required to run the XXXX Compliance) - Due Diligence Vendor-09/24/2024

Ready for Review-Document Uploaded.  - Seller-09/24/2024

Resolved-Initial CD uploaded. Resolved.  - Due Diligence Vendor-09/25/2024

XXXX

MI

Primary Residence

Purchase

NA

2441538

N/A

N/A

XXXX

xxxxxx7883

Closed

2024-09-26 17:39

2024-10-03 17:46

Resolved

1 - Information

C

A

Credit

Credit

Missing AUS/Loan Approval

Resolved-Updated Approval with Expense Factor provided and reviewed/. Resolved - Due Diligence Vendor-10/03/2024 Ready for Review-Document Uploaded.  - Seller-10/02/2024 Counter-The provided approval is pending the expense factor. The income calculator lists 60%  - Due Diligence Vendor-10/01/2024 Ready for Review-Document Uploaded.  - Seller-09/27/2024 Open-Per review doc type is ALT Doc 12 months. XXXX program information sheet reflects full doc-12 month - Due Diligence Vendor-09/26/2024

Ready for Review-Document Uploaded.  - Seller-10/02/2024  Ready for Review-Document Uploaded.  - Seller-09/27/2024

Resolved-Updated Approval with Expense Factor provided and reviewed/. Resolved - Due Diligence Vendor-10/03/2024

XXXX

MD

Primary Residence

Purchase

NA

2464813

N/A

N/A

XXXX

xxxxxx0660

Closed

2024-10-07 19:39

2024-10-17 21:18

Resolved

1 - Information

A

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the California HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.43%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Finding opened for missing confirmation of appraisal delivered to borrower. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s _427___ and the Final Closing disclosure on Pg#’s __221__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __222___ An interior and exterior appraisal was completed for this property – see pg __31,_95_ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s__521_ , and copy of the appraisal was given to the borrower – see Pg#’s _Findings____ . The loan meets HPML guidelines - Due Diligence Vendor-10/17/2024 Rescinded-The loan's (8.878%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-10/07/2024

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the California HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.43%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Finding opened for missing confirmation of appraisal delivered to borrower. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s _427___ and the Final Closing disclosure on Pg#’s __221__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __222___ An interior and exterior appraisal was completed for this property – see pg __31,_95_ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s__521_ , and copy of the appraisal was given to the borrower – see Pg#’s _Findings____ . The loan meets HPML guidelines - Due Diligence Vendor-10/17/2024  Rescinded-The loan's (8.878%) APR equals or exceeds the Federal HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.43%).(12 CFR 1026.35(a)(1)(i)) - Due Diligence Vendor-10/07/2024

CA

Primary Residence

Purchase

NA

2544969

N/A

N/A

XXXX

xxxxxx0660

Closed

2024-10-07 19:39

2024-10-17 21:17

Resolved

1 - Information

A

A

Compliance

HigherPriced:APR

California - Higher Priced Mortgage Loan (First Lien 06/2013)(Conforming)

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the California HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.43%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Finding opened for missing confirmation of appraisal delivered to borrower. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s _427___ and the Final Closing disclosure on Pg#’s __221__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __222___ An interior and exterior appraisal was completed for this property – see pg __31,_95_ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s__521_ , and copy of the appraisal was given to the borrower – see Pg#’s _Findings____ . The loan meets HPML guidelines - Due Diligence Vendor-10/17/2024 Rescinded-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the California HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.43%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Finding opened for missing confirmation of appraisal delivered to borrower. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg#’s _427___ and the Final Closing disclosure on Pg#’s  __221__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __222___ An interior and exterior appraisal was completed for this property – see pg __31,_95_ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s__521_ , and copy of the appraisal was given to the borrower – see Pg#’s _Findings____ . The loan meets HPML guidelines - Due Diligence Vendor-10/17/2024

Resolved-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the California HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.43%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Finding opened for missing confirmation of appraisal delivered to borrower. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s _427___ and the Final Closing disclosure on Pg#’s __221__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __222___ An interior and exterior appraisal was completed for this property – see pg __31,_95_ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s__521_ , and copy of the appraisal was given to the borrower – see Pg#’s _Findings____ . The loan meets HPML guidelines - Due Diligence Vendor-10/17/2024  Rescinded-This is a California Higher-Priced Mortgage Loan (HPML). The loan's APR of (8.878%) equals or exceeds the California HPML threshold of (7.93%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the last date the interest rate is set before consummation. The comparable APOR for this loan is (6.43%).(Cal. Fin. Code 4995(a); 12 CFR 1026.35(a)(1)(i)) Finding opened for missing confirmation of appraisal delivered to borrower. This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing,  escrow disclosures and loan information is on Pg#’s _427___ and the Final Closing disclosure on Pg#’s  __221__ reflects escrows. Rate lock date was entered correctly – see Pg#’s __222___ An interior and exterior appraisal was completed for this property – see pg __31,_95_ , the appraisal disclosure was provided to the borrower(s)- see Pg#’s__521_ , and copy of the appraisal was given to the borrower – see Pg#’s _Findings____ . The loan meets HPML guidelines - Due Diligence Vendor-10/17/2024

CA

Primary Residence

Purchase

NA

2544968

N/A

N/A

XXXX

xxxxxx0660

Closed

2024-10-01 10:23

2024-10-16 10:51

Resolved

1 - Information

B

A

Credit

Doc Issue

Borrower Certification of Appraisal Delivery is Missing

Resolved-Borrower Certification/acknowledgment of appraisal delivery uploaded, verified - Resolved.    - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/15/2024 Open-Borrower Certification/acknowledgment of appraisal delivery is missing in file. - Due Diligence Vendor-10/01/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/15/2024

Resolved-Borrower Certification/acknowledgment of appraisal delivery uploaded, verified - Resolved.    - Due Diligence Vendor-10/16/2024

XXXX

CA

Primary Residence

Purchase

NA

2492225

N/A

N/A

XXXX

xxxxxx0660

Closed

2024-10-01 06:25

2024-10-10 18:42

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/10/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached 1003 for borrower 2 with 4yrs 4months per request. - Seller-10/09/2024 Counter-The Final 1003 is Incomplete Final 1003 of borrower 2 reflecting Years in Industry 2.08 whereas Years in Job calculated as 4.41. Requesting updated Final 1003 for borrower 2.  - Due Diligence Vendor-10/09/2024 Open-The Final 1003 is Incomplete - Due Diligence Vendor-10/09/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/07/2024 Open-The Final 1003 is Incomplete 1- Provided income for B1 and B2 are inaccurate to loan documents and income calculations in file. 2-Final 1003 of borrower 2 reflecting Years in Industry 2.08 whereas Years in Job calculated as 4.41. Years in industry cannot be less than Years in Job.  - Due Diligence Vendor-10/01/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached 1003 for borrower 2 with 4yrs 4months per request. - Seller-10/09/2024  Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/07/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/10/2024

XXXX

CA

Primary Residence

Purchase

NA

2491505

N/A

N/A

XXXX

xxxxxx0660

Closed

2024-10-01 09:44

2024-10-09 13:42

Resolved

1 - Information

C

A

Compliance

Disclosure

Missing PCCD.

Resolved-PCCD uploaded.  - Due Diligence Vendor-10/09/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/07/2024 Open-Request to provide PCCD with adjustments reflecting Gift amount $XXXX made to escrow. Gift proofs are in file and final CD is not reflecting gift amount.  - Due Diligence Vendor-10/01/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/07/2024

Resolved-PCCD uploaded.  - Due Diligence Vendor-10/09/2024

XXXX

CA

Primary Residence

Purchase

NA

2492107

N/A

N/A

XXXX

xxxxxx8246

Closed

2024-10-11 18:14

2024-10-24 12:33

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 430 and the Final Closing disclosure on Pg#’s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 512, and confirmation the appraisal was delivered to the borrower – see Pg#’s 21. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/24/2024 Open-. - Due Diligence Vendor-10/24/2024 Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 430 and the Final Closing disclosure on Pg#’s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 512, and confirmation the appraisal was delivered to the borrower – see Pg#’s 21. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/11/2024 Open-The loan's (9.935%) APR equals or exceeds the Federal HPML threshold of (7.65%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.15%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-10/11/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 430 and the Final Closing disclosure on Pg#’s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 512, and confirmation the appraisal was delivered to the borrower – see Pg#’s 21. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/24/2024  Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 430 and the Final Closing disclosure on Pg#’s 255, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 254. An interior and exterior appraisal was completed for this property – see pg 22, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 512, and confirmation the appraisal was delivered to the borrower – see Pg#’s 21. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/11/2024

GA

Primary Residence

Purchase

NA

2580444

N/A

N/A

XXXX

xxxxxx8246

Closed

2024-10-02 12:00

2024-10-24 12:29

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited LTV Exceeds Guideline LTV

Waived-Exception approved for a 5% increase in LTV. Per guides max lTV for a 698 FICO is 85%, approved for 90% LTV and DTI 45.296% (only 2 points off in FICO for a 90% LTV) - Due Diligence Vendor-10/24/2024 Ready for Review-Document Uploaded.  - Seller-10/22/2024 Counter-Corrected Exception is not attached as Compensating factors does not support loan values of DTI which is stating as DTI under 38%, whereas qualifying DTI is 44.46%. - Due Diligence Vendor-10/11/2024 Open-Audited LTV Exceeds Guideline LTV Exception approved for a 5% increase in LTV. Per guides max ITV for a 698 FICO is 85%, approved for 90% LTV (only 2 points off in FICO for a 90% LTV). Compensating factors does not support loan values of DTI which is stating as DTI under 38%, whereas qualifying DTI is 44.46%. - Due Diligence Vendor-10/02/2024

Ready for Review-Document Uploaded.  - Seller-10/22/2024

Waived-Exception approved for a 5% increase in LTV. Per guides max lTV for a 698 FICO is 85%, approved for 90% LTV and DTI 45.296% (only 2 points off in FICO for a 90% LTV) - Due Diligence Vendor-10/24/2024

XXXX

Comp Factor #1: Residual Income at least $12,622 a month, actual $12,622.03 Comp Factor #2: Reserves at least 14 months after the close of purchase, actual 14.73 months

GA

Primary Residence

Purchase

NA

2502810

Originator Post-Close

Yes

XXXX

xxxxxx8246

Closed

2024-10-03 11:21

2024-10-17 16:17

Resolved

1 - Information

C

A

Credit

Credit

DTI discrepancy or failure.

Resolved-Corrected 1008 received, DTI matching - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded.  - Seller-10/16/2024 Open-DTI discrepancy is due to P&I amount.  1008 document reflecting P&I amount as $XXXX whereas per Note $XXXX which is exceeding G/L DTI requirement 45%. (Audited DTI of 45.3% exceeds Guideline DTI of 45%) - Due Diligence Vendor-10/03/2024

Ready for Review-Document Uploaded.  - Seller-10/16/2024

Resolved-Corrected 1008 received, DTI matching - Due Diligence Vendor-10/17/2024

XXXX

GA

Primary Residence

Purchase

NA

2512844

N/A

N/A

XXXX

xxxxxx8246

Closed

2024-10-02 09:57

2024-10-17 16:16

Resolved

1 - Information

D

A

Credit

Missing Doc

1008 Document is Missing

Resolved-Updated 1008 document uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-10/11/2024 Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/11/2024 Ready for Review-Document Uploaded.  - Seller-10/10/2024 Open-The 1008 document is missing from the loan file.  1008 document reflecting P&I amount as $XXXX whereas per Note $XXXX  - Due Diligence Vendor-10/02/2024

Ready for Review-Document Uploaded.  - Seller-10/10/2024

Resolved-Updated 1008 document uploaded, verified & entered in System - Resolved. - Due Diligence Vendor-10/11/2024  Resolved-The 1008 document is present in the loan file. - Due Diligence Vendor-10/11/2024

XXXX

GA

Primary Residence

Purchase

NA

2502043

N/A

N/A

XXXX

xxxxxx8246

Closed

2024-10-03 11:39

2024-10-11 18:22

Resolved

1 - Information

C

A

Compliance

Disclosure

Missing PCCD.

Resolved-PCCD received with gift funds.  - Due Diligence Vendor-10/11/2024 Ready for Review-Document Uploaded.  - Seller-10/10/2024 Open-Gift amount $XXXX deposited to escrow/settlement agent. Provided final CD did not adjust gift amount in cash to close amount. Require PCCD with gift amount adjusted for cash to close.  - Due Diligence Vendor-10/03/2024

Ready for Review-Document Uploaded.  - Seller-10/10/2024

Resolved-PCCD received with gift funds.  - Due Diligence Vendor-10/11/2024

XXXX

GA

Primary Residence

Purchase

NA

2512950

N/A

N/A

XXXX

xxxxxx8246

Closed

2024-10-11 18:14

2024-10-11 18:21

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-10/11/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). - Due Diligence Vendor-10/11/2024

Resolved- - Due Diligence Vendor-10/11/2024

GA

Primary Residence

Purchase

NA

2580443

N/A

N/A

XXXX

xxxxxx8623

Closed

2024-10-17 18:07

2024-10-17 18:07

Waived

2 - Non-Material

B

B

Credit

Income/Employment

Income documentation does not meet guidelines

Waived-Exception granted for Loan to close on a C Grade using ALT DOC with bank statements.  - Due Diligence Vendor-10/17/2024

Waived-Exception granted for Loan to close on a C Grade using ALT DOC with bank statements.  - Due Diligence Vendor-10/17/2024

1. High amount of months of reserves. 21 months in reserves. 2. Late payments were isolated events. 3. Low DTI: 36.94. 4. Over $16K in reserves.

CA

Primary Residence

Purchase

NA

2624572

Originator Post-Close

Yes

XXXX

xxxxxx8623

Closed

2024-10-05 14:09

2024-10-17 18:01

Resolved

1 - Information

C

A

Credit

Credit

Lender Approval Form is Missing

Resolved-Corrected approval and exception for Credit Grade C and uploaded.  - Due Diligence Vendor-10/17/2024 Ready for Review-Document Uploaded. Hi XXXX, please see corrected approval and exception for Credit Grade C - Seller-10/17/2024 Open-1. Lender Loan Approval or Program Information on pg#523 shows Income Doc type as Full Doc-12Month, were as Borrower is a self-employed and Income is qualifying with 12-months business bank statement. 2. As per XXXX Matix, for credit Grade C Alt doc type is not allowable. Hence Required Clarification for both the conditions - Due Diligence Vendor-10/05/2024

Ready for Review-Document Uploaded. Hi XXXX, please see corrected approval and exception for Credit Grade C - Seller-10/17/2024

Resolved-Corrected approval and exception for Credit Grade C and uploaded.  - Due Diligence Vendor-10/17/2024

XXXX

CA

Primary Residence

Purchase

NA

2534234

N/A

N/A

XXXX

xxxxxx7924

Closed

2024-10-08 11:01

2024-10-16 19:52

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/16/2024 Resolved-Updated URLA received and reviewed. Resolved - Due Diligence Vendor-10/16/2024 Ready for Review-Document Uploaded.  - Seller-10/15/2024 Open-The Final 1003 is Incomplete 1. Incorrect Years in Line of Business- Borrower self employed in the current business from XXXX which brings to XXXX years but line of years in Business given as 13 Years, provide updated 1003 with corrected years in line of business. 2. As per credit report there is one chapter7 Bankruptcy in past 7 years, same is not captured in the 1003 Declaration Question XXXX Provide updated 1003 with correct bankruptcy details - Due Diligence Vendor-10/08/2024

Ready for Review-Document Uploaded.  - Seller-10/15/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/16/2024  Resolved-Updated URLA received and reviewed. Resolved - Due Diligence Vendor-10/16/2024

XXXX

CA

Primary Residence

Refinance

Cash Out - Other

2548512

N/A

N/A

XXXX

xxxxxx9532

Closed

2024-10-08 12:10

2024-10-21 17:44

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Incomplete

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded.  - Seller-10/18/2024 Open-Income on 1008 is $13,592.50 and income verified is $13,592.50, whereas final 1003 has income of $11,397.50. Provide updated income on final 1003 document - Due Diligence Vendor-10/08/2024

Ready for Review-Document Uploaded.  - Seller-10/18/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/21/2024

XXXX

CA

Primary Residence

Purchase

NA

2548892

N/A

N/A

XXXX

xxxxxx5878

Closed

2024-10-10 05:24

2024-10-30 16:23

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved- - Due Diligence Vendor-10/30/2024 Ready for Review-Document Uploaded.  - Seller-10/30/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Points - Loan Discount Fee. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)).  Asper XXXX, from COC to issue disclosure 3 business days is allowed, for final CD 10/2/2024 received COC dated 9/27/2024 which is exactly 3 days. But XXXX is trigging finding as 'Cannot Increase Category: Points - Loan Discount Fee' - INSUFFICIENT CHANGE OF CIRCUMSTANCE, please assist.  - Due Diligence Vendor-10/10/2024

Ready for Review-Document Uploaded.  - Seller-10/30/2024

Resolved- - Due Diligence Vendor-10/30/2024

XXXX

TX

Second Home

Refinance

Cash Out - Other

2565735

N/A

N/A

XXXX

xxxxxx5878

Closed

2024-10-10 14:01

2024-10-15 13:03

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/15/2024 Ready for Review-How were the years of work determined on your end?  - Seller-10/11/2024 Open-The Final 1003 is Missing 1. Provide Missing Page 15 of Final 1003. 2. Provide updated Final 1003 with corrected years in life of work, provided 1003 verified Years in Job XXXX greater than Years in Industry XXXX for both the borrowers.  - Due Diligence Vendor-10/10/2024

Ready for Review-How were the years of work determined on your end?  - Seller-10/11/2024

Resolved-The Final 1003 is Present - Due Diligence Vendor-10/15/2024

TX

Second Home

Refinance

Cash Out - Other

2567759

N/A

N/A

XXXX

xxxxxx0541

Closed

2024-10-11 05:23

2024-10-18 10:51

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-12 Months of Rent payments, Housing History Meets Guideline Requirements, verified & entered in System - Resolved.    - Due Diligence Vendor-10/18/2024 Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/18/2024 Ready for Review-Document Uploaded. Hi XXXX, VOR documents are on pages 91 - 113 of our package. - Seller-10/17/2024 Open-Housing History Does Not Meet Guideline Requirements Finding raised for 12 months housing history.  - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Hi XXXX, VOR documents are on pages 91 - 113 of our package. - Seller-10/17/2024

Resolved-12 Months of Rent payments, Housing History Meets Guideline Requirements, verified & entered in System - Resolved.    - Due Diligence Vendor-10/18/2024  Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-10/18/2024

XXXX

TX

Primary Residence

Purchase

NA

2574886

N/A

N/A

XXXX

xxxxxx0541

Closed

2024-10-11 05:23

2024-10-18 10:50

Resolved

1 - Information

D

A

Credit

Missing Doc

Missing VOM or VOR

Resolved-12 Months of Rent payments verified & entered in System - Resolved.    - Due Diligence Vendor-10/18/2024 Resolved-Validation Resolved' - Due Diligence Vendor-10/18/2024 Ready for Review-Document Uploaded. Hi XXXX, VOR documents are on pages 91 - 113 of our package. - Seller-10/17/2024 Open-VOR/VOM Doc Status should not be 'Missing'. Provide VOR. VOR Missing for property "XXXX". - Due Diligence Vendor-10/11/2024

Ready for Review-Document Uploaded. Hi XXXX, VOR documents are on pages 91 - 113 of our package. - Seller-10/17/2024

Resolved-12 Months of Rent payments verified & entered in System - Resolved.    - Due Diligence Vendor-10/18/2024  Resolved-Validation Resolved' - Due Diligence Vendor-10/18/2024

XXXX

TX

Primary Residence

Purchase

NA

2574888

N/A

N/A

XXXX

xxxxxx0541

Closed

2024-10-17 16:17

2024-10-18 06:22

Resolved

1 - Information

C

A

Credit

Title

Title Coverage is Less than Subject Lien(s) Total

Resolved-Final title policy uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), verified & entered in System - Resolved.    - Due Diligence Vendor-10/18/2024 Resolved-Title Coverage Amount of $xx is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/18/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/17/2024 Open-Title Coverage Amount of $xx is Less than Total Amount of Subject Lien(s) The Title Commitment shows Title Coverage Amount of $xx, less than loan amount of $XXXX. Requesting updated Title.  - Due Diligence Vendor-10/17/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/17/2024

Resolved-Final title policy uploaded, Title Coverage Amount of $XX is equal to Total Amount of Subject Lien(s), verified & entered in System - Resolved.    - Due Diligence Vendor-10/18/2024  Resolved-Title Coverage Amount of $XX is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-10/18/2024

XXXX

TX

Primary Residence

Purchase

NA

2623084

N/A

N/A

XXXX

xxxxxx8392

Closed

2024-10-15 06:23

2024-10-21 16:27

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD received with gift funds referenced.  - Due Diligence Vendor-10/21/2024 Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/18/2024 Open-TRID: Missing Closing Disclosure Provide Updated Final CD or PCCD with gift adjustments of XXXX in cash to close requirements. - Due Diligence Vendor-10/15/2024

Ready for Review-Document Uploaded. Hi XXXX, please see attached. - Seller-10/18/2024

Resolved-PCCD received with gift funds referenced.  - Due Diligence Vendor-10/21/2024

XXXX

MA

Primary Residence

Purchase

NA

2596365

N/A

N/A

XXXX

xxxxxx8392

Closed

2024-10-21 16:13

2024-10-21 16:27

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Massachusetts - Higher Priced Mortgage Loan

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 395 and the Final Closing disclosure on Pg#’s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 414. An interior and exterior appraisal was completed for this property – see pg 15, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 543, and confirmation the appraisal was delivered to the borrower – see Pg#’s 295. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/21/2024 Open-Massachusetts Truth in Lending Mortgage Loan Regulations provide that compliance with 12 CFR 1026.35 constitutes compliance with 209 CMR 32.35. This is a Massachusetts Higher-Priced Mortgage Loan (HPML). The loan's (9.978%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." (209 CMR 32.35; 12 CFR 1026.35(a)(1)) . - Due Diligence Vendor-10/21/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 395 and the Final Closing disclosure on Pg#’s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 414. An interior and exterior appraisal was completed for this property – see pg 15, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 543, and confirmation the appraisal was delivered to the borrower – see Pg#’s 295. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/21/2024

MA

Primary Residence

Purchase

NA

2648006

N/A

N/A

XXXX

xxxxxx8392

Closed

2024-10-21 16:13

2024-10-21 16:26

Resolved

1 - Information

C

A

Compliance

HigherPriced:APR

Federal - Higher Priced Mortgage Loan (HPML)(First Lien 06/13)(Conforming)

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 395 and the Final Closing disclosure on Pg#’s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 414. An interior and exterior appraisal was completed for this property – see pg 15, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 543, and confirmation the appraisal was delivered to the borrower – see Pg#’s 295. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/21/2024 Open-The loan's (9.978%) APR equals or exceeds the Federal HPML threshold of (7.95%). The threshold is determined by adding 1.5 points to the comparable average prime offer rate index on the "last date the interest rate is set before consummation." The comparable APOR for this loan is (6.45%).(12 CFR 1026.35(a)(1)(i)) . - Due Diligence Vendor-10/21/2024

Resolved-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z. While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. TRID Header Disclosure Page was entered correctly All disclosures, COC’s, Fees, and dates are entered correctly. Borrower is Escrowing, escrow disclosures and loan information is on Pg#’s 395 and the Final Closing disclosure on Pg#’s 244, Finding reflects escrows. Rate lock date was entered correctly – see Pg#’s 414. An interior and exterior appraisal was completed for this property – see pg 15, the appraisal disclosure was provided to the borrower(s)- see Pg#’s 543, and confirmation the appraisal was delivered to the borrower – see Pg#’s 295. The loan meets HPML guidelines, resolved.  - Due Diligence Vendor-10/21/2024

MA

Primary Residence

Purchase

NA

2648007

N/A

N/A

XXXX

xxxxxx0754

Closed

2024-10-16 09:56

2024-10-22 17:31

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-PCCD received.  - Due Diligence Vendor-10/22/2024 Ready for Review-Document Uploaded.  - Seller-10/21/2024 Open-TRID: Missing Final Closing Disclosure Provide the updated final cd with reflecting the disbursement XXXX. - Due Diligence Vendor-10/16/2024

Ready for Review-Document Uploaded.  - Seller-10/21/2024

Resolved-PCCD received.  - Due Diligence Vendor-10/22/2024

XXXX

CA

Primary Residence

Purchase

NA

2607975

N/A

N/A

XXXX

xxxxxx9912

Closed

2024-10-23 11:39

2024-10-28 05:09

Resolved

1 - Information

D

A

Compliance

Missing Doc

The Final 1003 is Missing

Resolved-Updated Final 1003 uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-10/28/2024 Resolved-The Final 1003 is Present - Due Diligence Vendor-10/28/2024 Ready for Review-Document Uploaded.  - Seller-10/25/2024 Open-The Final 1003 is Missing Provide updated 1003 with borrower signature. - Due Diligence Vendor-10/23/2024

Ready for Review-Document Uploaded.  - Seller-10/25/2024

Resolved-Updated Final 1003 uploaded, verified & entered in System - Resolved.   - Due Diligence Vendor-10/28/2024  Resolved-The Final 1003 is Present - Due Diligence Vendor-10/28/2024

XXXX

NJ

Primary Residence

Purchase

NA

2662671

N/A

N/A

XXXX

xxxxxx4025

Closed

2024-10-25 02:27

2024-11-01 17:17

Resolved

1 - Information

C

A

Compliance

TRID Tolerance

Insufficient Change of Circumstance (50001252)

Resolved-PCCD XXXX successfully run. Resolved - Due Diligence Vendor-11/01/2024 Ready for Review-Document Uploaded.  - Seller-10/31/2024 Open-The amounts disclosed on the last Closing Disclosure for the following fee(s) have either increased above the amount disclosed within each fee(s) baseline disclosure OR have been added to the last Closing Disclosure and placed within the Cannot Increase Category: Broker Fees. Each fee within the Cannot Increase category cannot increase or be added unless a new disclosure is provided and there is a valid changed circumstance associated with the increased fee that is re-disclosed, or the creditor provides an additional credit for the increase in Closing Costs above the legal limit. (12 CFR 1026.19(e)(3); 12 CFR 1026.19(e)(4); 12 CFR 1026.19(f)(2)(v)). Provide COC for Revised LE dated on 10-08-2024 for increased the broker fee amount from Initial LE to Revised LE. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded.  - Seller-10/31/2024

Resolved-PCCD XXXX successfully run. Resolved - Due Diligence Vendor-11/01/2024

XXXX

CA

Primary Residence

Purchase

NA

2678330

N/A

N/A

XXXX

xxxxxx4025

Closed

2024-10-25 02:51

2024-11-01 17:10

Resolved

1 - Information

C

A

Credit

Assets

Asset 4 Does Not Meet Guideline Requirements

Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-11/01/2024 Open-Asset 4 Does Not Meet Guideline Requirements - Due Diligence Vendor-11/01/2024 Ready for Review-Document Uploaded. Please see attached PCCD-- gift funds were not utilized. Thank you! - Seller-10/31/2024 Open-Asset 4 Does Not Meet Guideline Requirements Provide the proof of gift amount $XXXX . We have the gift letter on page # 540 but proof of receipt is missing. - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded. Please see attached PCCD-- gift funds were not utilized. Thank you! - Seller-10/31/2024

Resolved-Asset 4 Meets Guideline Requirements Or Not Applicable - Due Diligence Vendor-11/01/2024

XXXX

CA

Primary Residence

Purchase

NA

2678356

N/A

N/A

XXXX

xxxxxx7539

Closed

2024-10-25 08:30

2024-11-01 20:01

Waived

2 - Non-Material

C

B

Credit

Eligibility

Audited Reserves are less than Guideline Required Reserves (Number of Months)

Waived-Exception Approved for reserves. Per guidelines need 3 months reserves, closed loan with 2.88 months reserves. Approved for 2.88 months. - Due Diligence Vendor-11/01/2024 Ready for Review-Document Uploaded.  - Seller-10/31/2024 Open-Audited Reserves of 2.88 month(s) are less than Guideline Required Reserves of 3 month(s) Request you to provide the sufficient assets to meet guideline requirement. - Due Diligence Vendor-10/25/2024 Open-Audited Reserves of 2.88 month(s) are less than Guideline Required Reserves of 3 month(s) - Due Diligence Vendor-10/25/2024 Open- - Due Diligence Vendor-10/25/2024

Ready for Review-Document Uploaded.  - Seller-10/31/2024

Waived-Exception Approved for reserves. Per guidelines need 3 months reserves, closed loan with 2.88 months reserves. Approved for 2.88 months. - Due Diligence Vendor-11/01/2024

XXXX

Comp Factor #1: Residual Income at least $12,0000. Actual residual income $12,159.95 Comp Factor #2: Previous mortgage for subject property reflected on credit report 0x30x96 Comp Factor #3: Current mortgage on subject property reflected on credit report 0x30x6

TX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2679246

Originator Post-Close

Yes

XXXX

xxxxxx2417

Closed

2024-10-31 06:50

2024-11-06 13:44

Resolved

1 - Information

D

A

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Final CD uploaded. Resolved.  - Due Diligence Vendor-11/06/2024 Ready for Review-The loan is in a dry state.  California is a drys state. Loan funded XXXX. You are asking for final, this is the Final CD. - Seller-11/05/2024 Counter-This appears to be the PCCD as it is dated XXXX and closing date is XXXX. Can you upload the XXXX final CD. - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded.  - Seller-11/04/2024 Open-TRID: Missing Final Closing Disclosure Request you to provide the Final Closing Disclosure, as it is missing in file. - Due Diligence Vendor-10/31/2024

Ready for Review-The loan is in a dry state.  California is a drys state. Loan funded XXXX. You are asking for final, this is the Final CD. - Seller-11/05/2024  Ready for Review-Document Uploaded.  - Seller-11/04/2024

Resolved-Final CD uploaded. Resolved.  - Due Diligence Vendor-11/06/2024

XXXX

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2718452

N/A

N/A

XXXX

xxxxxx2417

Closed

2024-10-31 08:01

2024-11-06 13:32

Resolved

1 - Information

C

A

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/06/2024 Ready for Review-Document Uploaded. This loan was opened in 10/23 and is reviewed through 10/24.  The loan being refinanced was a loan that closed with us on XXXX.  - Seller-11/05/2024 Open-Housing History Does Not Meet Guideline Requirements Request you to provide the 12 months' Rent proof documents, as we have 10 months' rent proof which is less then 12 months, unable to verify the primary mortgage months. Need 12-month bank statements, VOR, checks. - Due Diligence Vendor-10/31/2024

Ready for Review-Document Uploaded. This loan was opened in XXXX and is reviewed through XXXX.  The loan being refinanced was a loan that closed with us on XXXX.  - Seller-11/05/2024

Resolved-Housing History Meets Guideline Requirements - Due Diligence Vendor-11/06/2024

XXXX

CA

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2718659

N/A

N/A