EX-99.47 48 ex99-47.htm RRR SERVICING COMMENT REPORT

Exhibit 99.47

Buyer Loan #

Next Due Date

Last Payment Date

Loan Status

Borrower Last Name

Borrower First Name

Co-Borrower Last Name

Co-Borrower First Name

Borrower Deceased

Property Address 1

Property City

Property State

Property Zip

Strategy

REDACTED COMMENTS

433811612

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/XX/XXXX informed servicer they were impacted by XXXX, servicer set up a X month FB plan running from X/XXXX through X/XXXX. As of X/XX/XXXX borrower requested FB extension, servicer advised borrower that a workout packet will be needed for review. As of X/XX/XXXX comments indicate extension denied, reason denied not noted. Borrower on X/XX/XXXX requested assistance as they are still impacted by XXXX. Comments do not indicate a workout packet was received but servicer did set up a repayment plan X/X/XXXX details of plan not noted. On X/XX/XXXX comments indicate anther X month repayment plan was set up, details not noted. Borrower on XX/X/XXXX stated still impacted by XXXX and on XX/XX/XXXX another repayment plan was set up. Servicer and borrower started discussing deferral on X/XX/XXXX; deferral completed X/X/XXXX. Last contact X/XX/XXXX borrower called in to discuss loan details.

REASON FOR DEFAULT: Loss of income due to XXXX.

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811617

7/1/2021

6/8/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/X/XXXX.Account was performing with no contact prior to request for XXXX options April XXXX, hardship due to business closure. Borrower did not submit RMA until Dec XXXX, hardship due to XXXX diagnosis and illness. FB approved and finalized on XX/XX/XXXX, no other details provided. Last contact X/XX/XXXX to accept deferral solicitation, borrower requested mod review for reduced payments but has not submitted a loss mitigation request.

REASON FOR DEFAULT: XXXX illness and income curtailment

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied per seller data. No property issues noted.

433811620

7/1/2021

6/10/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins XX/XXXX. The last contact was on XX/XX/XXXX, outbound call to the borrower to discuss deferral but the call was disconnected. The notes reflect a X month XXXX forbearance was approved in XX/XXXX due to impact from the XXXX-XX XXXX. The loan has remained current since that time. The borrower appears to be cooperative during noted conversations. No indication of active loss mitigation workout activity.

REASON FOR DEFAULT: RFD was due to XX/XXXX was due to loss of income due to business being shut down. Hardship does not appear to be ongoing.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: The property is owner occupied. No indication of damage or ongoing repairs.

433811624

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins XX/XX/XXXX. Account is chronic delinquent since Jan XXXX with little borrower communication, reinstating in Mar XXXX, July XXXX, and Jan XXXX to prevent foreclosure referrals. No hardship is provided until XXXX XXXX income curtailment. FB approved Mar-June XXXX, extended to Sep XXXX. Borrower returned to work Aug XXXX with reduced hours, regular payments resumed Sep XXXX. Trial plan completed and mod approved Mar XXXX, closing delayed by return of executed agreement due to concerns about escrow shortage. Mod was finalized in April XXXX and account remains current, last contact X/XX/XXXX.

REASON FOR DEFAULT: XXXX income curtailment

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied. No property issues noted.

433811625

7/1/2021

6/24/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since origination. Borrower stated on XX/X/XX that he was going to a meeting and did not have time for the welcome call. Borrower scheduled a payment in X/XXXX and stated that he's been busy. Last contact was on X/XX/XX, borrower scheduled a payment.

REASON FOR DEFAULT: None, loan is current.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811626

7/1/2021

6/11/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since origination. Borrower called in on XX/X/XX wanting to know if the check he mailed was received and was advised that it was however, it was returned because it was not made out to the servicer. Borrower called back on XX/XX/XX (last contact) to schedule a payment. Certificate of liability from the insurance company was received on X/XX/XX, no additional details provided. 3rd party appears to have requested payoff quote on X/X/XX which was faxed on X/X/XX. No further details.

REASON FOR DEFAULT: None, loan is current.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811629

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. Account is performing, no contact noted.

REASON FOR DEFAULT: N/A

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied per seller data. No property issues noted.

433811640

7/1/2021

5/25/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins XX/XX/XXXX.  Limited contact noted with borrower.  Borrower requested online assistance XX/XX/XXXX.  Borrower requested help setting up online account XX/XX/XXXX.  Borrower stated X/XX/XXXX would make payment online.  Last contact X/XX/XXXX borrower stated would make payment online.

REASON FOR DEFAULT: Curtailment of income.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811642

7/1/2021

6/11/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins XX/XX/XXXX. Borrower called Nov XXXX to confirm co-op maintenance fees were paid by escrow, was advised this is a non-escrow account and maintenance fees impounded at closing were refunded Dec XXXX. Account was XxXX in Feb XXXX, cured Mar XXXX. Borrower requested co-borrower name removed from account, no other hardship details provided. Account remains current last XX months, last contact XX/XX/XXXX request for online payment assistance.

REASON FOR DEFAULT: Unknown

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied per seller data. No property issues noted.

433811657

7/1/2021

6/11/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower requested XXXX assistance through a website application in X/XXXX. Servicing notes show an acknowledgement of the request, and servicer sent an RMA package to borrower. Borrower gave a promise to pay in X/XXXX, and again requested XXXX assistance; review was closed on X/XX/XXXX with reason code "CIT no longer required." Unable to find support for the XXXX review close. Borrower asked servicer about options for reducing the payment amount in X/XXXX after an escrow shortage; servicer approved a XX-month spread, effective in XX/XXXX. No further contact.

REASON FOR DEFAULT: No default

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811660

7/1/2021

6/15/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins XX/XX/XXXX. Account was performing with little contact until request for XXXX assistance April XXXX and cancellation of ACH drafts due to income curtailment. Borrower failed to return RMA and remained current until missed payment Nov XXXX, reinstated Dec XXXX, current hardship unknown. Last contact X/XX/XXXX refinance inquiry.

REASON FOR DEFAULT: Income curtailment

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied per seller data. No property issues noted.

433811661

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins XXX/XX/XXXX. First payment was made late, reinstated Feb XXXX, no hardship provided. Account is performing since then with no borrower contact except for X/X/XXXX request for assistance with online account setup.

REASON FOR DEFAULT: Unknown

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is non-owner occupied. No property issues noted.

433811668

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. Account is performing with no contact since X/XX/XXXX third party inquiry to set up ACH.

REASON FOR DEFAULT: N/A

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is non-owner occupied. No property issues noted.

433811669

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XXXX. The last contact was on X/XX/XXXX, the borrower called in to discuss their escrow surplus not being received. The servicer placed a stop payment and reissued the refund. The borrower appears to be cooperative. No further contact and no indication of active loss mitigation workout activity.

REASON FOR DEFAULT: Unable to determine a RFD in the contact history. No evidence of hardship.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: The property is a non-owner occupied investment property. No indication of damage or ongoing repairs.

433811671

7/1/2021

5/31/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. No contact as loan has been current.

REASON FOR DEFAULT: NA

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811672

6/1/2021

6/25/2021

DELQ

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XXXX. The last contact was on XX/XX/XXXX, outbound call to the borrower to follow up on documents needed to review for a forbearance plan. A request for mortgage assistance was sent to the borrower but there has been no further contact since that time despite attempts made. The notes show a deferral was also offered in X/XXXX but did not get a response from the borrower. No recent indication of active loss mitigation workout activity.

REASON FOR DEFAULT: RFD was last noted in X/XXXX due to impact from the XXXX-XX XXXX and reduced income. Unclear if hardship is continuing.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: The property is owner occupied. No indication of damage or ongoing repairs.

433811679

7/1/2021

5/31/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XXXX. The last contact was on X/X/XXXX, the co-borrower called in wanting to make a payment online but needed help with a password reset. The borrower appears to be cooperative and the loan has remained current since that time. No indication of active loss mitigation workout activity.

REASON FOR DEFAULT: Unable to determine a RFD in the contact history. No evidence of hardship.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: The property is owner occupied. No indication of damage or ongoing repairs.

433811686

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/X/XXXX. The last contact was on X/X/XXXX, outbound call to the borrower who requested a non-recorded line. No further details were noted about the conversation. The conversation prior to that was on X/X/XXXX, also an outbound call to the borrower who requested not to be called until after the XXth of the month and said would be looking into a refi. The borrower does not appear to be cooperative but the loan has remained current. No indication of active loss mitigation workout activity.

REASON FOR DEFAULT: The notes from X/XXXX indicate a RFD due to curtailment of income. Hardship does not appear to be ongoing.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: The property is a non-owner occupied investment property. No indication of damage or ongoing repairs.

433811692

7/1/2021

6/4/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/X/XXXX. Account was performing prior to request for XXXX assistance. FB approved April -June XXXX and extended twice to Dec XXXX. Borrower was making some payments Aug-Nov XXXX then unresponsive until demand letter expired X/XX/XXXX. Loss mit documents not provided but borrower accepted a deferral solicitation in Mar XXXX. Timely payments resumed in April, last contact X/XX/XXXX to confirm status of account.

REASON FOR DEFAULT: XXXX income curtailment due to reduced work hours.

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is non-owner occupied. No property issues noted.

433811696

7/1/2021

5/31/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Borrower confirmed auto-draft payments were set up in X/XXXX, and changed the mailing address in X/XXXX. Borrower requested XXXX assistance in X/XXXX. Servicer approved a X-month FB plan in X/XXXX. Borrower was told reinstatement was the only post-FB plan option in X/XXXX, as loan is a business loan. Servicer confirmed in X/XXXX that reinstatement was only post-FB option. Borrower submitted an assistance application in X/XXXX, but was denied a plan extension. Borrower confirmed she was working again in X/XXXX. Borrower confirmed loss mit denial in X/XXXX, and reinstated the account that month. Borrower asked servicer to re-issue an aged escrow surplus check in XX/XXXX. No further contact.

REASON FOR DEFAULT: XXXX impact - loss of income, then unemployment

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811699

8/1/2021

6/18/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XXXX. The last contact was on X/X/XXXX, the borrower called in and requested that the escrow be removed. Was upset that the escrow was still on the account. The notes show the request was denied on X/XX/XXXX due to the loan type. No further contact with the borrower and the loan has remained current since that time. No indication of active loss mitigation workout activity.

REASON FOR DEFAULT: Unable to determine a RFD. No evidence of hardship.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: The property is a non-owner occupied investment property. No indication of damage or ongoing repairs.

433811700

7/1/2021

6/3/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XXXX. The last contact was on XX/XX/XXXX, the borrower called in to discuss the escrow account and an over payment. The borrower requested the escrow to be cancelled but was advised the escrow could not be removed. No further contact with the borrower and the loan has remained current since that time. No indication of active loss mitigation workout activity.

REASON FOR DEFAULT: Unable to determine a RFD in the contact history. No evidence of hardship.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: The property is a non-owner occupied investment property. No indication of damage or ongoing repairs.

433811707

7/1/2021

6/2/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower confirmed loan transfer in X/XXXX, and verified mailing address in X/XXXX after an escrow surplus check was returned to servicer. No further contact.

REASON FOR DEFAULT: No default

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811709

7/1/2021

6/10/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower gave a promise to pay in X/XXXX. Borrower asked servicer to stop calling in X/XXXX, stating he sends his payment each month before grace period expiration. Servicer advised borrower submit a cease and desist request in writing. Borrower gave a promise to pay in X/XXXX, and in X/XXXX, and in XX/XXXX. Borrower asked servicer to stop calling again in X/XXXX; servicer required the request in writing. Last contact was in X/XXXX when borrower gave a promise to pay and requested the servicer mailing address for a cease and desist letter.

REASON FOR DEFAULT: No default

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811710

7/1/2021

6/9/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower requested the servicer payment address in X/XXXX, and updated the mailing address in X/XXXX. Borrower confirmed servicer payment of taxes in X/XXXX, and servicer explained the escrow shortage. Borrower requested XXXX assistance in X/XXXX, and servicer approved a X-month FB plan. No further contact. Borrower made regular payments during the plan.

REASON FOR DEFAULT: XXXX impact - borrower unemployment

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Owner occupied

433811715

7/1/2021

6/4/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Borrower made a phone payment in X/XXXX, and authorized his daughter on the account in XX/XXXX. Borrower had an NSF payment that month, as servicer removed auto-draft payment information because it no longer met servicer requirements. Servicer sent a letter notifying borrower of the cancellation. Daughter confirmed auto-draft process in XX/XXXX; no further contact. Borrower enrolled in auto-draft payments again in X/XXXX.

REASON FOR DEFAULT: Auto-draft cancellation by servicer

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811722

7/1/2021

6/17/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower hung up when contacted about delinquency Jan XXXX and reinstated Feb XXXX. Account is XxXX in the last XX months, borrower advised May XXXX she is self-employed and pays when receivables come in, she is unresponsive since last contact X/XX/XXXX. Most recent reinstatement of X payments posted in April XXXX.

REASON FOR DEFAULT: Income curtailment

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is non-owner occupied per seller data. No property issues noted.

433811723

7/1/2021

5/19/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/X/XXXX. Account is performing with no borrower contact since X/X/XXXX welcome call.

REASON FOR DEFAULT: N/A

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied per seller data. No property issues noted.

433811736

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/X/XXXX. Account was performing until default Jan XXXX. Borrower is uncooperative if contacted and hung up at last contact X/XX/XXXX. Most recent reinstatement of rolling XX-day delinquency was in Mar XXXX.

REASON FOR DEFAULT: RFD codes are excessive obligations and income curtailment, details unknown

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied per seller data but borrower mailing address on statement is not the property, occupancy not verified in comments. No property issues noted.

433811738

7/1/2021

6/15/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Account was performing through Dec XXXX, borrower unresponsive until advising X/XX/XXXX that her daycare business was shutdown due to quarantine. FB was approved through June XXXX and extended to Sep XXXX. Borrower accepted solicitation for X payments with deferral to cure and has paid timely since finalized Nov XXXX. Last contact X/XX/XXXX.

REASON FOR DEFAULT: XXXX Income curtailment

FORECLOSURE: N/A

BANKRUPTCY: N/A

PROPERTY: Property is owner occupied. No property issues noted.

433811757

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower confirmed auto-draft payment set up in XX/XXXX. No other contact with borrower.

REASON FOR DEFAULT: No default

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811758

7/1/2021

6/2/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower set up auto-draft payments in X/XXXX, and confirmed mailing address in X/XXXX. No further contact.

REASON FOR DEFAULT: No default

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811761

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/X/XXXX.   XX/XX/XXXX borrower wanted to know if he could move into this investment property, unable to determine if they did.   Originated as investment.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811762

7/1/2021

6/15/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Authorized spouse requested online account assistance in X/XXXX, and made a phone payment in X/XXXX. Spouse gave a promise to pay online in XX/XXXX, and borrower authorized spouse on account again in X/XXXX. Borrower also requested XXXX assistance in X/XXXX, and servicer approved a X-month FB plan. Borrower asked about a refinance option in X/XXXX, and requested additional XXXX assistance in X/XXXX. FB extension review was still in progress in X/XXXX, and borrower requested a deferral after the FB extension was denied in X/XXXX. Borrower reapplied for assistance, and servicer completed a deferral in X/XXXX. Borrower requested another refinance referral in XX/XXXX, and spouse asked for online payment assistance in X/XXXX. Borrower confirmed payment had been sent in X/XXXX. No further contact.

REASON FOR DEFAULT: XXXX impact - borrower not working

FORECLOSURE: No FC activity found

BANKRUPTCY: No BK activity found

PROPERTY: Non-owner occupied

433811763

7/1/2021

6/18/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/X/XXXX.   Borrower has multiple loans with servicer.   XX/X/XXXX, having trouble setting up ACH for the loans.   Borrower unresponsive to calls at time of delinquency.   Originated as investment.

REASON FOR DEFAULT:   No RFD available.  No contact with borrower at time of delinquency.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811765

7/1/2021

6/10/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/X/XXXX.   No borrower contact, current loan.  Originated as investment.

REASON FOR DEFAULT:   No RFD,  current loan.

FORECLOSURE:   No evidence of foreclosure.

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811766

7/1/2021

6/2/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/X/XXXX.   Only contact was XX/X/XXXX, question an email they received.    Current loan.   Originated as investment.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811767

8/1/2021

6/4/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   No borrower contact, loan current.  Originated as investment.

REASON FOR DEFAULT:   No RFD, loan current.

FORECLOSURE:   No evidence of foreclosure.

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811769

7/1/2021

6/16/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX.   X/XX/XXXX borrower called for XXXX assistance, stated income had been impacted.   XXXX FB approved for X months, from X/X/XXXX to X/X/XXXX.   Borrower requested an extension on X/XX/XXXX.  Extension was denied, unable to determine why.  Borrower reinstated the loan X/X/XXXX and stated would not require any additional assistance.  XX/XX/XXXX borrower disputing credit rating as showing delinquent, borrower thought FB had been extended, when it was denied.   Borrower trying to refinance.  Last contact XX/XX/XXXX borrower trying to conference in new lender to discuss late payments.   Originated as investment.

REASON FOR DEFAULT:   Initial RFD was reduction in income due to XXXX.   Then servicing issue relating to FB plan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:  No evidence of BK

PROPERTY:   No evidence of property damage.

433811770

7/1/2021

6/11/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   X/XX/XXXX borrower stated payment had been made, but was not received by servicer.   Originated as investment.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811771

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   XX/XX/XXXX, appears borrower has more than X loan with servicer and inquiring why loans are not linked.    Originated as investment.

REASON FOR DEFAULT:   No RFD,  current loan.

FORECLOSURE:   No evidence of foreclosure.

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811772

7/1/2021

6/7/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.  X/XX/XXXX borrower updated mailing address and TIN so that they could set up online access.   Originated as investment.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811773

6/1/2021

5/4/2021

DELQ

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   Borrower called on X/XX/XXXX to make payment and stated would have to call back to determine why prior payment was NSF.   RFD was excessive obligations.   X/XX/XXXX payment not posted to pay history.    Originated as investment.

REASON FOR DEFAULT:   RFD was excessive obligations on X/XX/XXXX.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811774

7/1/2021

6/10/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX.   X/X/XXXX borrower inquired about XXXX assistance, income reduced.   Borrower approved for X month FB ending X/X/XXXX.   Borrower made deferred payments in X/XXXX and X/XXXX and loan has been current since that time.   Last contact with the borrower was X/XX/XXXX, calling for information on insurance.   Loan originated as investment.

REASON FOR DEFAULT:   Income impacted by XXXX.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811776

7/1/2021

6/8/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   X/XX/XXXX borrower advised would make payments within grace period.   Last contact was X/XX/XXXX, stating payment would be made.   Originated as investment.

REASON FOR DEFAULT:   No RFD, current loan.  Borrower makes payment in month due, but not on the Xst.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811778

7/1/2021

6/3/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   X/XX/XXXX borrower confirmed payment had been made.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811780

7/1/2021

6/15/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   No contact with borrower, current loan.  Originated as investment.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811781

7/1/2021

6/7/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.   X/XX/XXXX borrower called about recent transfer of the loan.   Unable to set up online access until TIN added to loan.   Borrower has called multiple times about setting up online access, but appears loan is made to a company, which is the issue.  Last contact was X/XX/XXXX.  Originated as investment.

REASON FOR DEFAULT:  Loan was delinquent in X/XXXX, which was due to the transfer of the loan.   Loan  has been current since that time.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811782

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX.  No borrower contact, current loan.  Originated as investment.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811784

6/1/2021

5/28/2021

DELQ

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX.   XX/XX/XXXX borrower concerned would be reported late to credit bureau.   X/XX/XXXX borrower called about loss mitigation options due to XXXX.   Borrower small business owner and impacted by XXXX.   Forbearance  was approved for X months, ending X/XX/XXXX.  X/XX/XXXX XXXX FB extended to X/X/XXXX.   Loan was modified with a tiered deferral to repay the amount owing due to the X months of no payments.  XX/XX/XXXX borrower requested additional assistance after repaying deferral.  RFD, borrower sick with XXXX.   X/XX/XXXX deferral modification approved spreading delinquent payments over XX months.   Last contact was X/X/XXXX stating will be able to resume payments.

REASON FOR DEFAULT:   Borrower self employed and business impacted by XXXX.   Borrower stays in contact with the servicer.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811790

8/1/2021

6/17/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/XX/XXXX requested assistance as impacted by XXXX, servicer offered FB plan. FB plan was set up in X/XXXX for X months then extended in X/XXXX for X months. No further assistance was requested. Borrower on X/XX/XXXX called in to go over loan details.

REASON FOR DEFAULT: Income curtailment.

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811796

7/1/2021

6/8/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/X/XXXX.  XX/X/XXXX borrower called about change in escrow payment.  X/X/XXXX borrower questioning tax payment as she is exempt.   X/X/XXXX borrower called to make payment.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811799

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/X/XXXX.   XX/XX/XXXX borrower called to confirm payment was received.

REASON FOR DEFAULT:   No RFD, current loan.

FORECLOSURE:   No evidence of foreclosure

BANKRUPTCY:   No evidence of BK

PROPERTY:   No evidence of property damage.

433811805

7/1/2021

6/11/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/X/XXXX stated impacted by XXXX and requested assistance. Comments do not indicate servicer offered any assistance, no further workout options discussed. Servicer discussed loan details with authorized 3rd party on X/XX/XXXX.

REASON FOR DEFAULT: Income curtailment

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811806

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since history began in X/XXXX. Welcome call was completed on X/X/XX; borrower called to get the account # and stated that he would make the payment online. Last contact was on X/X/XX, borrower stated that he was locked out of online account, reset link was emailed to the borrower and was also advised of the ease of make a one time payment.

REASON FOR DEFAULT: None, loan is current.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811808

7/1/2021

6/4/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/X/XXXX stated impacted by XXXX and requested assistance, servicer set up a X month FB plan. No further plan set up and borrower brought loan current in X/XXXX. Last contact X/XX/XXXX borrower set up a payment on account.

REASON FOR DEFAULT: Income curtailment

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811811

8/1/2021

6/24/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/X/XXXX stated impacted by XXXX and requested a X month FB plan. Comments indicate a X month plan was set up in X/XXXX, borrower did make payments during plan. No further assistance requested.

REASON FOR DEFAULT: Income curtailment

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811816

7/1/2021

5/28/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. No contact noted as loan has been current.

REASON FOR DEFAULT: NA

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811817

7/1/2021

6/8/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/X/XXXX stated impacted by XXXX, servicer set up a X month FB plan. Comments on X/XX/XXXX indicate borrower was set up on a XXXX repayment plan which is for X months. Plan was completed and loan brought current. Last contact XX/XX/XXXX borrower went over repayment plan and made a payment over the phone.

REASON FOR DEFAULT: Income curtailment

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811819

8/1/2021

6/25/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. No contact noted as loan has been current.

REASON FOR DEFAULT: NA

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811821

7/1/2021

6/16/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. No contact as loan has been current.

REASON FOR DEFAULT: NA

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811822

7/1/2021

6/3/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/XX/XXXX stated impacted by XXXX, servicer set up a X month FB plan. FB extension completed in X/XXXX for another X months. Deferral completed in XX/XXXX servicer deferred X months. Last contact XX/X/XXXX borrower confirmed deferral received, servicer advised yes.

REASON FOR DEFAULT: Income reduction

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811823

7/1/2021

6/7/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. No contact as loan has been current.

REASON FOR DEFAULT: NA

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811827

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since history began in X/XXXX. Borrower called in X/XXXX stating that the online system would not let her make a payment using her debit card and was advised online system only takes bank information. Borrower stated in XX/XXXX that she made a payment and requested for the late fee to be waived which was approved. Last contact was on X/XX/XX, borrower called for assistance with online access.

REASON FOR DEFAULT: None, loan is current.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811835

7/1/2021

6/16/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Loan has been current since history began in X/XXXX. Borrower called in on X/XX/XX wanting to know how to make a payment and was advised to wait for the website to grant him access due to loan just transferred. Borrower requested a X month FB in X/XXXX stating he had loss of income due to XXXX-XX. It appears that the borrower was approved for FB as it was noted on X/X/XX that XXXX-XX FB end date letters sent X/XX/XX for FB ending X/X/XX or prior were sent. Pay history indicates the borrower was able to continue making the monthly payments. Last contact was on X/XX/XX, borrower appears to have scheduled a payment.

REASON FOR DEFAULT: Loan is current, but the borrower did bring up hardship (loss of income) in X/XXXX due to XXXX-XX.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811843

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. No contact noted as loan has been current.

REASON FOR DEFAULT: NA

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811844

7/1/2021

6/11/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XX/XXXX. Borrower on X/XX/XXXX stated impacted by XXXX, servicer offered a X month FB plan. FB extension completed in X/XXXX for additional X months. As of X/XX/XXXX appears from comments that a payment plan was set up to bring loan current which failed in XX/XXXX as borrower could not afford payments. As of X/X/XXXX borrower requested deferral. Servicer completed a MOD instead of deferral per comments, MOD was completed in X/XXXX no further details noted. Last contact X/X/XXXX borrower made a payment over the phone.

REASON FOR DEFAULT: Income curtailment

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811851

7/1/2021

6/8/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XXXX. Welcome call was completed on X/X/XX; borrower stated that he had set up a payment set to start on X/XX/XX. Borrower requested assistance in X/XXXX due loss of income due to XXXX-XX and was approved for a X month FB in X/XXXX, ending in X/XXXX. Borrower requested FB extension in X/XXXX which was approved for X months beginning X/X/XX ending in XX/X/XX. Borrower was approved for a trial plan in XX/XXXX but called on XX/XX/XX stating that he was not ready to start making the trial payments until January XXth and requested another FB extension. FB extension was approved for X more month from XX/X/XX - X/X/XX. Borrower was advised on XX/X/XX that FB could not be extended any longer and could look into reinstating the trial mod. Borrower submitted the loss mit packet for review and called in on X/XX/XX to inquire about the documents he sent and was advised to await decision. Borrower called again on X/XX/XX stating that he was trying to get a loan but was not able to do so because the servicer reported negative on his credit when he was under the FB from X/XX - X/XX. A tiered deferral was offered in X/XXXX. When borrower called in X/XXXX to inquire about the negative credit reporting he was advised that the credit reporting would not be corrected until the deferral was accepted and loan brought current. Borrower requested a letter stating credit would be corrected and was advised letter would be requested but could take X weeks. Borrower accepted the deferral bringing the loan current in X/XXXX. Unknown if the negative credit reporting has been corrected. Last contact was in X/XXXX, borrower called to make a payment. Loan is current.

REASON FOR DEFAULT: Loss of income due to XXXX-XX.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811852

7/1/2021

6/8/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since history began in X/XXXX. Welcome call was completed on X/X/XX, borrower was advised loan was acquired on X/XX/XX. Borrower requested assistance in X/XXXX due to financial impact from XXXX-XX. Borrower was approved for FB ending X/X/XXXX however, borrower called about web issues on X/XX/XX and requested to remove FB off the account. FB plan was removed on X/XX/XX. Last contact was on X/X/XX, borrower stated that she already made the payment. Escrow analysis/disclosure statement was sent on X/XX/XX.

REASON FOR DEFAULT: Loan is current, however, borrower requested assistance in X/XXXX due to financial impact from XXXX-XX.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811854

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since history began in X/XXXX. Insurance policy was received in X/XXXX. Minimal contact is noted; borrower called for payoff request sent by mail on XX/X/XX, no additional details provided. It appears that an escrow analysis/disclosure statement was sent on X/XX/XX.

REASON FOR DEFAULT: None, loan is current.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811856

7/1/2021

6/10/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since history began in X/XXXX. Mortgagee clause change letter policy was sent to the insurance company in X/XXXX. Borrower gave authorization for 3rd party XXXX in X/XXXX to discuss the mortgagee letter policy/procedure. Last contact was on XX/X/XX, borrower called in to update mailing address. Escrow analysis/disclosure statement was sent on X/XX/XX.
REASON FOR DEFAULT: None, loan is current.
FORECLOSURE: No FC activity found.
BANKRUPTCY: No BK activity found.
PROPERTY: No property issues found.

433811860

7/1/2021

6/17/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Contact history begins X/XXXX. Borrower stated in XX/XXXX that money was short due to holidays. Borrower called in on X/XX/XX indicating RFD due to curtailment of income due caused by XXXX-XX and wanted to know what was being offered for XXXX-XX and was advised of FB. Borrower was approved for a X month FB beginning X/X/XX, ending X/X/XX. Borrower requested FB extension, stating in X/XXXX that he applied for FB and was denied but that the law in NY states that he should be given FB; call was transferred to SPOC as requested. Borrower also inquired about deferral in X/XXXX. It appears that a X month extension was approved from XX/X/XX - X/XXXX. Borrower was also offered a tiered deferral on XX/X/XX to bring the loan current and due for the X/XXXX payment. Borrower stated on XX/XX/XX that he would be able to make the X payments stated on the deferral offer, call was transferred to the loss mit department. It appears that the FB was extended for another X months from X/X/XX - X/X/XX. Borrower stated on X/XX/X that he was on FB until X/X/XX and wanted to start making payments beginning X/X/XX; also requested for FB payments deferred to the end of the loan explaining that business was temporarily shut down for X months then income was reduced due to XXXX. A disaster deferment for XX months was processed bringing the loan current in March. Last contact was on X/XX/XX, borrower requested to spread escrow shortage. Escrow shortage spread over XX months was approved on X/XX/XX.

REASON FOR DEFAULT: Unemployment and curtailment of income due to XXXX-XX.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811863

8/1/2021

6/17/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Contact history begins X/XX/XXXX. No contact as loan has been current.

REASON FOR DEFAULT: NA

FORECLOSURE: NA

BANKRUPTCY: NA

PROPERTY: NA

433811878

7/1/2021

6/15/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower requested online access X/XX/XXXX.  Borrower stated X/XX/XXXX impacted by XXXX; loss of income due to illness. X-month FB offered X/X/XXXX. Borrower stated X/XX/XXXX able to resume payments.  Borrower called X/XX/XXXX to confirm status of FB; borrower accepted X-month extension.  Borrower wanted to apply for assistance X/XX/XXXX.  Borrower stated X/XX/XXXX on unemployment.  Last borrower contact XX/X/XXXX.

REASON FOR DEFAULT: Curtailment of income.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811879

7/1/2021

6/16/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since history began in X/XXXX. Insurance policy renewal was received in X/XXXX. Mortgagee clause change letter policy was sent to the insurance company in X/XXXX. No contact with borrower noted in contact history.
REASON FOR DEFAULT: None, loan is current.
FORECLOSURE: No FC activity found.
BANKRUPTCY: No BK activity found.
PROPERTY: No property issues found. Current occupancy is unknown. Mailing address is XXXX XXXX to XXXX, XXXX, FL XXXXX which does not match the property address.

433811882

7/1/2021

6/10/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Contact noted X/XX/XXXX giving 3rd party authorization; payoff requested.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811885

7/1/2021

6/16/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Servicer contact history begins X/X/XXXX.  Limited contact noted with borrower.  Borrower called X/XX/XXXX to cancel ACH payment. Borrower inquired about collection call XX/XX/XXXX.  Borrower requested online assistance XX/X/XXXX.  Borrower requested late fee waived X/XX/XXXX.  Borrower inquired about workout assistance X/XX/XXXX due to XXXX.  X-month special FB offered X/X/XXXX.  Borrower inquired about repayment options X/XX/XXXX.  Borrower called X/XX/XXXX to setup repayment plan; X-month plan offered. Borrower confirmed FB and scheduled payment XX/XX/XXXX.  FB closed per borrower requested XX/XX/XXXX.  Servicer notes X/XX/XXXX and X/XX/XXXX borrower approved for deferred Mod.  Deferral booked X/XX/XXXX.  Borrower confirmed loan status X/XX/XXXX.  Borrower called to confirm payment X/XX/XXXX.

REASON FOR DEFAULT: Curtailment of income.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811887

7/1/2021

6/3/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Borrower has been current on the loan since history began in X/XXXX. Minimal contact is noted; web inquiry was received on X/XX/XX, borrower inquired about taxes and was advised of the Tax department contact information.

REASON FOR DEFAULT: None, loan is current.

FORECLOSURE: No FC activity found.

BANKRUPTCY: No BK activity found.

PROPERTY: No property issues found.

433811891

7/1/2021

5/28/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower inquired X/XX/XXXX about payment of property taxes. Borrower inquired about flood insurance X/X/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811893

7/1/2021

6/2/2021

CURR

XXXX

Reinstatement 2

BORROWER CONTACT: Servicer contact history begins X/X/XXXX.  Limited contact noted with borrower. Borrower called X/XX/XXXX to update mailing address.  Borrower inquired about special FB assistance X/XX/XXXX; refused due to payments due at end of agreement.  FB extension letter offered X/XX/XXXX.  Borrower requested payment deferral X/X/XXXX.  Loan deferral denied X/XX/XXXX.  Borrower advised of decision X/XX/XXXX.  Borrower called X/XX/XXXX to make payment.  Borrower requested VOM X/XX/XXXX and X/XX/XXXX.  3rd party requested VOM X/XX/XXXX.  Borrower requested payment history X/X/XXXX.

REASON FOR DEFAULT: Curtailment of income.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is non owner-occupied.  No property damage noted.

433811896

8/1/2021

6/25/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower inquired about payment increase X/XX/XXXX.  Borrower called regarding escrow payment error X/XX/XXXX. Follow-up call completed X/X/XXXX. Escrow confirmed with borrower X/XX/XXXX.  Borrower inquired X/XX/XXXX if Aug payment adjusted; stated X/XX/XXXX wrong payment amount made. Borrower called to confirm payment X/X/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811897

7/1/2021

6/8/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower requested payment information X/XX/XXXX.  3rd party called to confirm account info X/X/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is non owner-occupied.  No property damage noted.

433811898

7/1/2021

6/4/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/X/XXXX.  Limited contact noted with borrower.  Borrower confirmed payment made X/X/XXXX. Borrower stated XX/X/XXXX payments automatically withdrawn.

REASON FOR DEFAULT: Excessive obligations.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811899

7/1/2021

6/9/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower; majority of contact with borrower to schedule/confirm payments.  Borrower called X/X/XXXX to confirm payment.  Borrower added 3rd party X/XX/XXXX; borrower advised payment was rejected. Borrower inquired about returned payment X/X/XXXX.  Borrower inquired about surplus check X/X/XXXX.  Borrower requested principal balance XX/X/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811902

7/1/2021

5/28/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/X/XXXX.  Limited contact noted with borrower.  Borrower called X/XX/XXXX to review account.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811903

7/1/2021

6/11/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  No borrower contact noted.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is non owner-occupied.  No property damage noted.

433811904

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower inquired about insurance X/X/XXXX.  Borrower inquired about payment call X/X/XXXX. Borrower indicated X/XX/XXXX impacted by XXXX: tenants income has been impacted. Servicer notes X/XX/XXXX FB denied. Borrower called to dispute prepayment penalty X/XX/XXXX.

REASON FOR DEFAULT: Curtailment of income.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is non owner-occupied.  No property damage noted.

433811907

7/1/2021

6/15/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/X/XXXX.  Limited contact noted with borrower.  Welcome call completed X/XX/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811911

7/1/2021

6/14/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower inquired about receipt of hazard insurance coverage XX/XX/XXXX. Borrower was advised of LPI.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is non owner-occupied.  No property damage noted.

433811915

7/1/2021

6/1/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Welcome call completed X/XX/XXXX.  Borrower called to setup ACH X/XX/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.

433811918

6/1/2021

5/13/2021

DELQ

XXXX

Reinstatement 2

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower inquired about tax notice XX/XX/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is non owner-occupied.  No property damage noted.

433811924

7/1/2021

6/2/2021

CURR

XXXX

Reinstatement 1

BORROWER CONTACT: Servicer contact history begins X/XX/XXXX.  Limited contact noted with borrower.  Borrower requested review for Mod X/XX/XXXX; lowered interest rate. Borrower confirmed payment for hazard insurance X/XX/XXXX.  Borrower called to confirm payment received X/XX/XXXX.  Borrower requested YTD statements X/XX/XXXX.

REASON FOR DEFAULT: No hardship noted.

FORECLOSURE: No FC action noted.

BANKRUPTCY: No BK filing information noted.

PROPERTY: Property is owner-occupied.  No property damage noted.