EX-99.1 4 efc19-522_ex991s3.htm SCHEDULE 3 - SERVICING COMMENT REPORT
Unique Loan ID Final Current Event Level Current Exceptions Servicing Comments Status Date Last Action Date per Servicer
1350822 3 [3] Loan - Subject Lien is not in 1st Position [2] Bankruptcy - BK Filed - No evidence POC filed [2] Current Status - Bankruptcy LOAN STATUS: The current loan status is Bankruptcy. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter XX. The bankruptcy was filed under case number XX-XXXX. The most recent bankruptcy status is active. MODIFICATION: There is no evidence of current or prior modification. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There has been no borrower contact or servicer contact efforts. The loan is performing under active bankruptcy. 04/30/2019  
1353067 3 [3] Loan - Subject Lien is not in 1st Position [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: There is no evidence of current or prior modification. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There has been no borrower contact or servicer contact attempts. The loan is performing. 04/30/2019  
1354913 3 [3] Loan - Subject Lien is not in 1st Position [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: The loan has been modified. The modification date is unavailable. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There has been no borrower contact or servicer contact attempts. The loan is performing. 04/30/2019  
1352939 3 [3] Loan - Subject Lien is not in 1st Position [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: There is no evidence of current or prior modification. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There has been no contact with the borrower or attempts by the servicer to contact the borrower. The loan is currently performing. 04/30/2019  
1354966 3 [3] Loan - Subject Lien is not in 1st Position [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: There is no evidence of current or prior modification. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There has been no borrower contact or servicer contact attempts. The loan is performing. 04/30/2019  
1351684 3 [3] Loan - Subject Lien is not in 1st Position [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: There is no evidence of current or prior modification. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There has been no borrower contact or servicer contact attempts. The loan is performing. 04/30/2019  
1354617 3 [3] Loan - Subject Lien is not in 1st Position [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 01/25/2019. First contact during review period was on 1/8/19 when borrower claims payments are too high and requested assistance. 1/25/19 borrower inquired about mod and advised servicer had wrong number. No other contact during review period. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: N/A 04/30/2019  
1353826 3 [3] Loan - Subject Lien is not in 1st Position [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable. Notes show a proprietary mod was processed on XX/XX/XXXX. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There was no borrower contact or servicer contact efforts. The loan is performing. 04/30/2019  
1350802 3 [3] Loan - Subject Lien is not in 1st Position [2] Occupancy - Tenant Occupied [1] Current Status - Performing [1] Performing Loan and Weak Possibility of Going Delinquent LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: The loan has been modified. The modification date is XX/XX/XXXX. The modified principal balance is unavailable. The modification interest rate is unavailable. The modification maturity date is unavailable. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is tenant occupied. EXIT STRATEGY: The recommended exit strategy is N/A. ADDITIONAL INFORMATION: There were no attempts to contact the borrower during the review period. Loan is performing. 04/30/2019  
1354409 3 [3] Loan - Subject Lien is not in 1st Position [2] Performing Loan But Moderate Possibility of Going Delinquent [1] Current Status - Performing [1] Deceased Borrower(s) - Trustee/Heir(s) identified and documented LOAN STATUS: The current loan status is Performing. PAY HISTORY: BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/02/2019. No contacts were attempted nor received from 6/1/18 through 8/5/18. The co-borrower called on 8/6/18 to advise the primary borrower passed away in 2016. The borrower was asked to send a copy of the death certificate. The borrower received a balloon letter and advised that the $43,000 unpaid balance cannot be paid. The representative advised that the balloon is due in 8/2019 and to call back for a pay off quote at that time. No contacts were attempted nor received from 8/7/18 through 5/5/19. The remaining borrower called on 5/6/19 to inquire about the balloon. The representative advised the borrower to either refinance or modify the loan to change the loan terms. The borrower advised that the home will be sold in five years. No other contacts nor contact attempts from 5/7/19 through 5/31/19. Borrower is deceased and ---. The date of death is XX/XX/XXXX. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: There is no evidence of current or prior modification. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. EXIT STRATEGY: The recommended exit strategy is Modification. ADDITIONAL INFORMATION: N/A 04/30/2019