EX-99.1 4 efc19-622_ex991s3.htm SCHEDULE 3 - SERVICING COMMENT REPORT
AMC Unique Loan ID Customer Loan ID Seller Loan ID Servicer Loan ID Loan Data 1 Loan Data 2 Last Name Current Loan Status Performing Under Status Date RFD Date Last Payment Received Date Reason for Delinquency Delinquency Status Current Lien Position Last Action Date per Servicer Current Occupancy First Vacancy Date Property Type (NPL) Property Condition Inspection Date Collection Comments in File Incomplete Collection Comments Note Number of Months Received of Collection Comments Number of Months of Collection Comments NOT RECEIVED Missing Comments 1 Start Date Missing Comments 1 End Date Missing Comments 2 Start Date Missing Comments 2 End Date Pay History in File Incomplete Pay History Note Number of Months Received of Pay History Missing Pay History 1 Start Date Missing Pay History 1 End Date Missing Pay History 2 Start Date Missing Pay History 2 End Date Last Borrower Contact Date Servicer Contact Attempts Evidence of Skip Tracing Last Skip Trace Date Skip Trace Results Last Borrower Contact Comments No Borrower Contact Evident Borrower Cooperative Evidence of Dispute Dispute Type Dispute Resolved Willingness to Repay Ability to Repay Delinquency Prognosis Likelihood of Loan Reperforming Likelihood of Future Delinquency Primary Exit Strategy Sub Exit Strategy Loss Mitigation Activity - Forbearance Loss Mitigation Activity - Short Sale Loss Mitigation Activity - Deed in Lieu Loss Mitigation Activity - HAMP Bankruptcy in File Foreclosure in File Active SCRA Evidence of Litigation Fraud Indicated Deceased Borrower(s) Property Damaged Property Listed Property Under Contract REO Noted Eviction Requested Title Issue Updated BPO in File Delinquent Taxes Evidence of MI Settlement Programs/Options Discussed With Borrower Program/Option Most Recent Date Options Discussed Borrower Reject Options Borrower's Intention Modification Mod Date Mod P&I Mod Original Interest Rate Mod First Payment Date Mod Maturity Date # of Modifications Completed Mod Status Mod Denied Reason Mod Type Description Mod Liability Mod Income Mod DTI Mod Principal Balance Mod Payment Frequency Mod Original Term Mod Down Payment Amount Mod Monthly Plan Amount Mod Amount Capitalized Mod Deferred Balance Mod Interest Deferred Mod Principal Forgiven Mod Prepayment Penalty Mod Months Extended Mod Comments Forbearance Status Forbearance Type Forbearance Start Date Forbearance End Date Forbearance Monthly Plan Amount Forbearance Due Date Forbearance Total Months for Plan Forbearance Down Payment Date Forbearance Down Payment Amount Forbearance Plans Offered Last 12 Months Forbearance Plans Completed Last 12 Months Forbearance Plans Failed Last 12 Months Forbearance Comments Deed in Lieu Status Deed in Lieu Title Ordered Deed in Lieu Title Clear Deed in Lieu Approved Date Deed in Lieu Documents Prepared Deed in Lieu Documents to Borrower Deed in Lieu Debt Forgiven Deed in Lieu Comments Short Sale Status Short Sale Date Offered Short Sale Listing Amount Short Sale Days on Market Short Sale # of Offers Short Sale Contract Received Short Sale Contract Date Short Sale Amount Offered Short Sale Counter-Offer Occurred? Short Sale Counter-Offer Amount Short Sale Buyer(s) Names Short Sale Estimated Closing Date Short Sale Comments HAMP Solicited HAMP - Financials Received? HAMP - Financials Received Date HAMP - Complete Package Received HAMP - Complete Package Received Date HAMP - # Trial Plan Payments Made HAMP - Offer Date HAMP - Offer Letter First Date HAMP Comments Current Foreclosure Status Foreclosure Delay/Obstruction Start Date Foreclosure Reason For Delay/Obstruction Foreclosure - Reason for Delay/Obstruction - Other Foreclosure Issues with Proof Of Standing Foreclosure Plaintiff Name Foreclosure Action Date Foreclosure Last Step Completed Foreclosure Last Step Date Projected Foreclosure Step Foreclosure Projected Step Date Foreclosure NOI Date Foreclosure NOI Lender Foreclosure Attorney Foreclosure Attorney Phone Foreclosure Referral to Attorney Date Foreclosure First Legal Date Foreclosure Service Date Foreclosure Judgment Hearing Date Foreclosure Judgment Entered Date Scheduled Foreclosure Sale Date Foreclosure Sale Date Foreclosure Redemption Expiration Date Foreclosure Bid Amount Foreclosure Contested? Foreclosure Contested Start Date Foreclosure - Is Borrower represented by an attorney Foreclosure Comments Number of Bankruptcies Filed Current Bankruptcy Status Bankruptcy Status Date Bankruptcy Chapter Bankruptcy Case Number Bankruptcy Filing Date Bankruptcy Attorney Bankruptcy Attorney Phone Bankruptcy Converted From Chapter Bankruptcy Converted To Chapter Bankrupcy Cramdown Granted Bankruptcy Plan Confirmed Date Bankruptcy Dismissed Date Bankruptcy Discharged Date Bankruptcy Pre-Petition Payment Due Date Bankruptcy Pre-Petition Balance Bankruptcy Post-Petition Due Date Bankruptcy Proof of Claim Filed? Bankruptcy Proof of Claim Filing Date Bankruptcy Proof of Claim Original Amount Bankruptcy Arrearage Amount Bankruptcy Motion for Relief Filed? Bankruptcy Motion for Relief Filing Date Bankruptcy Relief Granted Date Bankruptcy Evidence of Reaffirmation? Bankruptcy Prior Bankruptcy Resolution Date Bankruptcy Comments SCRA - Active Duty Start Date SCRA - Active Duty End Date SCRA Comments Litigation Start Date Litigation Last Date Litigation Type Litigation Projected Resolution Date Litigation Summary Fraud Type Fraud Indication Date Fraud Investigation Date Investigation Resolved? Fraud Resolution Summary Fraud Resolution Date Fraud - Possible Misrepresentation? Fraud Comments Borrower Date of Death Death Certificate Received? Death Certificate Received Date Trustee Of Property Noted? Trustee Noted Date Trustee Name Trustee Intention of Property Insurance Claim Filed? Claim Filing Date Claim Case Number Claim Company Damage Claim Amount Received Property Damage Date Damage Noted Damage Estimate Damage Type Contractor Bid Accepted Contract Bid Date Estimated Start Date Repair Status Repair Complete Date Environmental Issues? Environmental Issues Description FEMA Disaster Area? FEMA Disaster Type FEMA Disaster Date Property Inhabitable? Current REO Status REO Listed Price REO Listed Date REO Delay? REO Delay Reason REO Investor Property Intention Listing Date Listing Amount Listing Agent Listing Agent Phone Listing Comments Contract Executed? Contract Execution Date Closing Scheduled? Closing Scheduled Date Contract Amount Contract Comments Eviction Start Date Eviction Contested Eviction Contested Start Date Eviction Completion Date Title Claim Status Title Claim Filed Date Title Issue Resolution Date Title Issue Resolution Description Title Issue Type Title Company Title Company Contact Name Title Company Phone Title Attorney Title Attorney Contact Name Title Attorney Phone Title Issue Comments Delinquent Taxes - Delinquency Amount Delinquent Taxes - Delinquency Due Date Delinquent Taxes - Comments MI Claim Date MI Claim Amount MI Claim Paid MI Claim Notes Senior Lien Foreclosure Cash For Keys Cash for Keys Accepted Eminent Domain Eminent Domain First Reference Date Evidence of Repay Plan Repay Plan Status Repay Plan Start Date Repay Plan End Date Repay Plan Down Payment Amount Repay Plan Down Payment Date Repay Plan Monthly Amount Repay Plan Total Months for Plan Repay Plan Changed Date Repay Plan Comments Current Employment Status Consumer Advocacy Group Mentioned Name of Consumer Advocacy Group Mentioned Updated Value Mentioned Updated Value Updated Value Date Hazard Insurance in Place Conveyed to HUD Date Conveyed to HUD Date of FC Deed FC Deed Name Auto Comments NPL Loan Grade Exceptions Report Date
72033527 XXXXX XXXXX         Delinquent   07/31/2019 07/31/2019   Excessive Obligations 60 1 08/13/2019 Non-Owner Occupied   UTD UTD 04/18/2018 Yes   24           N/A   0         08/13/2019 Ongoing dialogue with borrower       Borrower called 08/04/2017 to make payment on account. Borrower called 08/16/2017 regarding property tax refund. Servicer advised taxes were paid and overage will need to be applied to escrow account. Borrower called 09/01/2017 to make payment on account. Payment was returned NSF on 09/11/2017 and borrower stated he will replace payment by 09/15/2017. RFD cited as excessive obligations. Borrower called 10/02/2017 and stated he is eligible for property tax redemption. Servicer stated new escrow analysis will be completed, however payment may go up to to interest increase on 11/01/2017. Borrower called 10/10/2017 and stated he broke his ankle when he suffered a stroke and will be applying to XXX for assistance. Borrower contact from 10/17/2017 was regarding modification and XXX applications. Borrower continued to make payments on account. Loan modification was denied 12/13/2017 due to missing documents. Borrower stated he has appointment with XXX for assistance. Borrower called 01/30/2018 and stated would like to re-apply for modification and made payment on account. Servicer advised loan is rolling 30 days delinquent. Borrower called 02/15/2018 and stated is still working with XXX and will try and make payment by 02/28/2018. Borrower called 03/28/2018 and stated he was approved for XXX and they will be sending funds. Borrower called 04/25/2018 and servicer advised XXX funds were received 04/13/2019 for April payment and loan is due for 05/01/2018. Borrower called 07/18/2018 regarding taxes and insurance, Servicer advised both were paid out of escrow account. Borrower called 09/10/2018 regarding XXX payments. Servicer advised that XXX is paying loan for 6 months and then he can apply for modification. Calls from 01/28/2019 to 05/22/2019 were regarding monthly XXX payments. Borrower called 05/23/2019 and stated was not sure if XXX assistance has ended, Borrower called 06/06/2019 to make payment on account. Borrower called 06/24/2019 and deleted payment as he had to repair stove for tenants in property. Borrower stated would like to apply for modification. Borrower called 07/22/2019 regarding NSF check; stated he was victim of fraud on bank account and will make payment on 08/03/2019. Borrower called 08/02/2019 to make payment. Borrower called 08/13/2019 and stated would like to apply for modification. Loan is 60 days delinquent.   Somewhat No     Fair Poor - Intervention Required Temporary Fair Strong Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Other Modification 05/23/2019 No Retention Yes           1 Denied                                                                                                                                                                                                                                                                                                                                                                                                             No No   No   No                   Not Employed No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 08/13/2019. Borrower called 08/04/2017 to make payment on account. Borrower called 08/16/2017 regarding property tax refund. Servicer advised taxes were paid and overage will need to be applied to escrow account. Borrower called 09/01/2017 to make payment on account. Payment was returned NSF on 09/11/2017 and borrower stated he will replace payment by 09/15/2017. RFD cited as excessive obligations. Borrower called 10/02/2017 and stated he is eligible for property tax redemption. Servicer stated new escrow analysis will be completed, however payment may go up to to interest increase on 11/01/2017. Borrower called 10/10/2017 and stated he broke his ankle when he suffered a stroke and will be applying to XXX for assistance. Borrower contact from 10/17/2017 was regarding modification and XXX applications. Borrower continued to make payments on account. Loan modification was denied 12/13/2017 due to missing documents. Borrower stated he has appointment with XXX for assistance. Borrower called 01/30/2018 and stated would like to re-apply for modification and made payment on account. Servicer advised loan is rolling 30 days delinquent. Borrower called 02/15/2018 and stated is still working with XXX and will try and make payment by 02/28/2018. Borrower called 03/28/2018 and stated he was approved for XXX and they will be sending funds. Borrower called 04/25/2018 and servicer advised XXX funds were received 04/13/2019 for April payment and loan is due for 05/01/2018. Borrower called 07/18/2018 regarding taxes and insurance, Servicer advised both were paid out of escrow account. Borrower called 09/10/2018 regarding XXX payments. Servicer advised that XXX is paying loan for 6 months and then he can apply for modification. Calls from 01/28/2019 to 05/22/2019 were regarding monthly XXX payments. Borrower called 05/23/2019 and stated was not sure if XXX assistance has ended, Borrower called 06/06/2019 to make payment on account. Borrower called 06/24/2019 and deleted payment as he had to repair stove for tenants in property. Borrower stated would like to apply for modification. Borrower called 07/22/2019 regarding NSF check; stated he was victim of fraud on bank account and will make payment on 08/03/2019. Borrower called 08/02/2019 to make payment. Borrower called 08/13/2019 and stated would like to apply for modification. Loan is 60 days delinquent. REASON FOR DEFAULT: The reason for default is excessive obligations. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: The loan has been denied for modification. The denial reason is unknown. 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 non-owner occupied. 3 - Ability to Repay - Poor - Intervention Required - Current Status - Delinquent - Delinquency Prognosis - Temporary - Occupancy - Non Owner Occupied 9/25/2019
77202689 XXXXX XXXXX         Delinquent   07/31/2019 05/04/2019   Unemployment 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         05/04/2019 Ongoing dialogue with borrower       There was no contact from 08/01/2017 until 10/23/2017 when the borrower called about the account and advised they cannot pay until November. Contact was noted again on 10/25/2017. On 11/20/2017 the borrower scheduled October and November payments. On 12/20/2017 the borrower agreed to pay online by 12/30/2017. Borrower schedule the January payment on 02/13/2018. Borrower called to schedule the March payment on 02/22/2018. On 03/14/2018 the borrower called about a deferral letter they received. Set up ACH. Spoke again about the deferment on 03/22/2018. No further contact noted until 07/20/2018 when the borrower stated they would make 2 payments by the 30th and pay the remaining a week later. From 08/13/2018 until there were multiple contact attempts. On 11/09/2018 the borrower called about the insurance check for tornado damage. Borrower wants to use the funds to bring the account current. On 11/23/2018 the borrower called about a returned payment and agreed to call back to make another payment in Thursday. On 01/11/2019 the borrower explained the spouse is unemployed. Borrower promised a payment. On 05/04/2019 the borrower promised to make a payment online. There were multiple attempts noted but no further contact was noted.   Somewhat No     Fair Fair Temporary Fair Strong Reinstatement   No No No No No No No No No No Yes No No No No No No No No Yes Forbearance/Workout 03/14/2018 No Retention No                                                                                                                                                                                                                                                                                                   Yes 11/09/2018     $5,917.50   A claim check was received for tornado damage. No indication of the extent of the damages or the status of the repairs. 9489.27 Wind No     Not Started   No   No     Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/04/2019. There was no contact from 08/01/2017 until 10/23/2017 when the borrower called about the account and advised they cannot pay until November. Contact was noted again on 10/25/2017. On 11/20/2017 the borrower scheduled October and November payments. On 12/20/2017 the borrower agreed to pay online by 12/30/2017. Borrower schedule the January payment on 02/13/2018. Borrower called to schedule the March payment on 02/22/2018. On 03/14/2018 the borrower called about a deferral letter they received. Set up ACH. Spoke again about the deferment on 03/22/2018. No further contact noted until 07/20/2018 when the borrower stated they would make 2 payments by the 30th and pay the remaining a week later. From 08/13/2018 until there were multiple contact attempts. On 11/09/2018 the borrower called about the insurance check for tornado damage. Borrower wants to use the funds to bring the account current. On 11/23/2018 the borrower called about a returned payment and agreed to call back to make another payment in Thursday. On 01/11/2019 the borrower explained the spouse is unemployed. Borrower promised a payment. On 05/04/2019 the borrower promised to make a payment online. There were multiple attempts noted but no further contact was noted. REASON FOR DEFAULT: The reason for default is unemployment. 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 evidence of property damage and the nature of the damage is wind. A claim check was received for tornado damage. No indication of the extent of the damages or the status of the repairs. The damage repair amount is estimated at $9,489.27. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary - There is evidence of property damage. 9/25/2019
73636149 XXXXX XXXXX         Bankruptcy   07/31/2019 07/03/2019   Excessive Obligations Bankruptcy 1 08/14/2019 Owner Occupied   UTD UTD 10/03/2018 Yes   25           N/A   0         07/03/2019 Ongoing dialogue with borrower       There was no contact prior to 10/04/2017. On 10/04/2017, the co-borrower said it was not a good time to discuss the reason for default, but would like to keep the house and the borrower works until 10PM and would like a workout application. On 10/26/2017, the co-borrower called to speak with the account manager. An unauthorized party from attorney's office called on 10/07/2017 to speak with the account manager and informed will be sending in bankruptcy documents. The borrower called on 11/24/2017, but was advised to contact the borrower's attorney for information. A third party family member called on 11/24/2017 requesting insurance company information, which was followed up with a call by the co-borrower on 11/25/2017. The borrower informed on 11/29/2017 that the attorney sent authorization to obtain the insurance information. The borrower called on 12/04/2017 to schedule a payment and inquired about the account balance. The borrower called on 12/12/2017 stating the insurance information is needed by Thursday for a court citation. The borrower called on 01/06/2018, 02/05/2018, 03/03/2018, 04/02/2018 to make a payment. The borrower was informed on 04/02/2018 that the account was in foreclosure. The borrower called on 05/31/2018 and 06/30/2018 /to make a payment. The borrower and attorney stated interest for a modification on 07/24/2018. On 08/01/18 the customer called in a payment of $2300.00. On 08/17/18, the borrower was read the bankruptcy disclosure and confirmed interest in loss mitigation. On 08/31/18 the customer called in seeking a LOA and BAD. 09/04/18 the borrower called to make a payment. 09/18/18 the customer called in to discuss a LOA and requested it be resent. On 11/01/18 the borrower called for a payment and customer was seeking an LOA. 12/01/18 the customer called in a payment. 12/24/18 the customer called in a payment and decided to move forward with a modification. On 02/02/19 the customer called in a payment and transferred to BK for further assistance. 04/01/19 the attorney was informed on the guidelines and set up a one time payment. 04/04/19 the customer called in for their 1098 year end statement. 05/01/19 the customer called in requesting to make a payment IAO $2317.74. On 06/03/19 the co borrower called in to make a payment and was explained the foreclosure timeline. 06/14/19 an outbound attempt was made regarding missing docs. On 07/03/19 the customer called in to schedule a payment on the account. The account remains in active BK status.   Somewhat No     Poor Poor - Intervention Required UTD Poor Strong Modification   No No No No Yes Yes No No No No No No No No No No No No No Yes Forbearance/Workout 06/03/2019 No Retention No                                                                                                                                       On Hold XX/XX/XXXX Bankruptcy Filing   No     Judgment Granted XX/XX/XXXX Sale                   XX/XX/XXXX         No   Yes Sale was postponed/cancelled for 60 days due to BK. 1 Active   Chapter 13 XXX XX/XX/XXXX         No             Yes XX/XX/XXXX     No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/03/2019. There was no contact prior to 10/04/2017. On 10/04/2017, the co-borrower said it was not a good time to discuss the reason for default, but would like to keep the house and the borrower works until 10PM and would like a workout application. On 10/26/2017, the co-borrower called to speak with the account manager. An unauthorized party from attorney's office called on 10/07/2017 to speak with the account manager and informed will be sending in bankruptcy documents. The borrower called on 11/24/2017, but was advised to contact the borrower's attorney for information. A third party family member called on 11/24/2017 requesting insurance company information, which was followed up with a call by the co-borrower on 11/25/2017. The borrower informed on 11/29/2017 that the attorney sent authorization to obtain the insurance information. The borrower called on 12/04/2017 to schedule a payment and inquired about the account balance. The borrower called on 12/12/2017 stating the insurance information is needed by Thursday for a court citation. The borrower called on 01/06/2018, 02/05/2018, 03/03/2018, 04/02/2018 to make a payment. The borrower was informed on 04/02/2018 that the account was in foreclosure. The borrower called on 05/31/2018 and 06/30/2018 /to make a payment. The borrower and attorney stated interest for a modification on 07/24/2018. On 08/01/18 the customer called in a payment of $2300.00. On 08/17/18, the borrower was read the bankruptcy disclosure and confirmed interest in loss mitigation. On 08/31/18 the customer called in seeking a LOA and BAD. 09/04/18 the borrower called to make a payment. 09/18/18 the customer called in to discuss a LOA and requested it be resent. On 11/01/18 the borrower called for a payment and customer was seeking an LOA. 12/01/18 the customer called in a payment. 12/24/18 the customer called in a payment and decided to move forward with a modification. On 02/02/19 the customer called in a payment and transferred to BK for further assistance. 04/01/19 the attorney was informed on the guidelines and set up a one time payment. 04/04/19 the customer called in for their 1098 year end statement. 05/01/19 the customer called in requesting to make a payment IAO $2317.74. On 06/03/19 the co borrower called in to make a payment and was explained the foreclosure timeline. 06/14/19 an outbound attempt was made regarding missing docs. On 07/03/19 the customer called in to schedule a payment on the account. The account remains in active BK status. REASON FOR DEFAULT: The reason for default is excessive obligations. FORECLOSURE: The file was referred to foreclosure and the referral date is not available in the information provided. Judgment was entered XX/XX/XXXX. The current foreclosure is on hold and the hold reason is bankruptcy filing. The next projected foreclosure step is sale. Sale was postponed/cancelled for 60 days due to BK. BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX. 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. 3 - Ability to Repay - Poor - Intervention Required - Bankruptcy - Bk Filed - No evidence MFR filed - Current Status - Bankruptcy - Foreclosure - Borrower(s) represented by an attorney - Foreclosure - Hold - Bankruptcy Filing 9/25/2019
79593061 XXXXX XXXXX         Delinquent   07/31/2019     Curtailment of Income 60 1 08/12/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/24/2019 Contact attempts - however unable to contact borrower       Initial contact was made during the review period on 8/3/2017; in which the borrower discussed bringing the account current. The borrower called on 8/11/2017 to confirm that a payment was received. The borrower called in on 8/21/2017 and had general account questions. Contact was made with the borrower on 11/21/2017, in which payments were scheduled. The borrower called on 12/1/2017, 12/23/2017 and 1/8/2018 to schedule and re-scheduled payments. The borrower called in on 5/14/2018 to request a copy of a demand letter in order to borrow from a 401k account. The reason for default was cited as curtailment on income. Contact was made on 5/30/2018, 6/6/2018, 6/23/2018, 8/21/2018, 10/15/2018, 10/27/2018, 10/30/2018, 11/13/2018, 11/30/2018, and 1/8/2019 in which the borrower scheduled or rescheduled various payments. The borrower called in on 2/8/2019, 2/14/2019 and 2/26/2019 to inquiry about a tax bill. There was no evidence to indicate the issue was still outstanding as of the end of the review period. Contact was made on 6/14/2019 in which a payment was scheduled. The last contact was made on 6/24/2019, in which the was informed of a returned payment due to insufficient funds. The borrower indicated intentions of making a payment of $720.46 on 7/19/2019. There was no additional contact made with the borrower during the remainder of the review period.   Yes No     Fair Poor - Intervention Required UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/24/2019. Initial contact was made during the review period on 8/3/2017; in which the borrower discussed bringing the account current. The borrower called on 8/11/2017 to confirm that a payment was received. The borrower called in on 8/21/2017 and had general account questions. Contact was made with the borrower on 11/21/2017, in which payments were scheduled. The borrower called on 12/1/2017, 12/23/2017 and 1/8/2018 to schedule and re-scheduled payments. The borrower called in on 5/14/2018 to request a copy of a demand letter in order to borrow from a 401k account. The reason for default was cited as curtailment on income. Contact was made on 5/30/2018, 6/6/2018, 6/23/2018, 8/21/2018, 10/15/2018, 10/27/2018, 10/30/2018, 11/13/2018, 11/30/2018, and 1/8/2019 in which the borrower scheduled or rescheduled various payments. The borrower called in on 2/8/2019, 2/14/2019 and 2/26/2019 to inquiry about a tax bill. There was no evidence to indicate the issue was still outstanding as of the end of the review period. Contact was made on 6/14/2019 in which a payment was scheduled. The last contact was made on 6/24/2019, in which the was informed of a returned payment due to insufficient funds. The borrower indicated intentions of making a payment of $720.46 on 7/19/2019. There was no additional contact made with the borrower during the remainder of the review period. REASON FOR DEFAULT: The reason for default is curtailment of income. 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. 3 - Ability to Repay - Poor - Intervention Required - Current Status - Delinquent - Currently Delinquent Mortgage 9/25/2019
77266341 XXXXX XXXXX         Delinquent   07/31/2019 04/17/2019   Curtailment of Income 60 1 08/14/2019 Owner Occupied   UTD UTD 09/11/2018 Yes   25           N/A   0         03/22/2019 Contact attempts - however unable to contact borrower       On 08/29/2017, authorized third party called to make payments for July and will call back next week to make another payment. On 10/10/2017, the borrower called to make a payment but was advised of demand letter and could not take less than $4,000.00. On 10/24/2017, the borrower drafted 3 months of payments. On 12/13/2017, the borrower made a payment. From 04/09/2018 to 10/05/2018, discussions of loss mitigation was the main focus of conversation with authorized third party with the authorized third party becoming successor in interest to the borrower on 07/12/2018 after mailing in the needed documents. The deferment was completed as noted on 10/05/2018 and advanced the next due to 10/01/2018. On 10/11/2018, the authorized third party requested for online access to be reset. On 11/12/2018, the third party stated that a payment would be made tomorrow. On 03/22/2019 the successor in interest advised that a payment will be made by Monday and thought that the loan has been assumed but it was noted that the mortgage has the borrower's name still on it. No further contact was noted.   Yes No     Fair Fair Temporary Fair Moderate Reinstatement   No No No No Yes No No No No Yes No No No No No No No No No No       Retention Yes XX/XX/XXXX     XX/XX/XXXX   1 Completed   Deferment         Monthly                                                                                                                                                                   1 Closed   UTD XXX           No             No       No     No                                       Yes 06/14/2018 Yes 06/14/2018 XXX Retention of property.                                                                                                                         No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 03/22/2019. On 08/29/2017, authorized third party called to make payments for July and will call back next week to make another payment. On 10/10/2017, the borrower called to make a payment but was advised of demand letter and could not take less than $4,000.00. On 10/24/2017, the borrower drafted 3 months of payments. On 12/13/2017, the borrower made a payment. From 04/09/2018 to 10/05/2018, discussions of loss mitigation was the main focus of conversation with authorized third party with the authorized third party becoming successor in interest to the borrower on 07/12/2018 after mailing in the needed documents. The deferment was completed as noted on 10/05/2018 and advanced the next due to 10/01/2018. On 10/11/2018, the authorized third party requested for online access to be reset. On 11/12/2018, the third party stated that a payment would be made tomorrow. On 03/22/2019 the successor in interest advised that a payment will be made by Monday and thought that the loan has been assumed but it was noted that the mortgage has the borrower's name still on it. No further contact was noted. Borrower is deceased and ---. The date of death is unknown. REASON FOR DEFAULT: The reason for default is curtailment of income. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. 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. 3 - Current Status - Delinquent - Deceased Borrower(s) - Trustee/Heir(s) identified and documented - Delinquency Prognosis - Temporary 9/25/2019
76827235 XXXXX XXXXX         Delinquent   07/31/2019 04/16/2019   Curtailment of Income 60 1 07/31/2019 Owner Occupied   UTD UTD 09/04/2017 Yes   24           N/A   0         06/28/2019 Ongoing dialogue with borrower       Multiple contact attempts were made from 08/01/2017 through 09/27/2017. Contact was initially established on 09/27/2017 at which time the borrower stated they fell behind due to an illness, and requested a two-month extension. The borrower also setup payments to draft on 10/01/2017 and 10/27/2017. The extension was applied on 09/28/2017 bringing the loan due for 10/01/2017. Despite multiple contact attempts, contact was not established again until 02/07/2018. A third party stated they usually make payments at the end of the month, but made a payment at that time. No further contact until 09/25/2018. The borrower's spouse called stating they had to pay to fix an appliance and would not be able to make a payment that month. Another two month extension was applied at that time bringing the loan due for 11/01/2018. The spouse called on 10/23/2018 inquiring about the payment change scheduled for 06/2019. The servicer provided the requested information. On 11/28/2018 the borrower requested the fax number to send documentation regarding an insurance claim for roof damages; as well as to request another extension. There was no further mention of damages or a claim. An authorized third party called on 03/22/2019 to apply for a modification. The spouse called on 04/05/2019, 04/08/2019, and 04/10/2019 to discuss the documents needed for the review and was advised the property value came back at $420,000. The loan was approved for a trial payment plan from 07/01/2019 through 09/01/2019 per notes dated 05/22/2019 and 06/12/2019. On 06/28/2019 the spouse was informed of the approval for the trial payment plan. The notes on 07/16/2019 stated the first trial payment was completed. The account is currently two months past due.   Yes No     Fair Fair UTD Fair Moderate Modification   No No No No No No No No No No Yes No No No No No No No No Yes Other Modification 06/28/2019 No Retention Yes           0 Active Trial Plan                                 Approved for 07/01/2019 to 09/01/2019 with next payment due 08/01/2019.                                                                                                                                                                                                                                                   No         11/28/2018 On 11/28/2018 the borrower requested the fax number to send documentation regarding an insurance claim for roof damages. There was no further mention of damages or a claim.   UTD No     Not Started   No   No     Yes                                                                                 No No   No   No                   Employed-Origination Employer No   Yes XXX 04/05/2019 Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/28/2019. Multiple contact attempts were made from 08/01/2017 through 09/27/2017. Contact was initially established on 09/27/2017 at which time the borrower stated they fell behind due to an illness, and requested a two-month extension. The borrower also setup payments to draft on 10/01/2017 and 10/27/2017. The extension was applied on 09/28/2017 bringing the loan due for 10/01/2017. Despite multiple contact attempts, contact was not established again until 02/07/2018. A third party stated they usually make payments at the end of the month, but made a payment at that time. No further contact until 09/25/2018. The borrower�s spouse called stating they had to pay to fix an appliance and would not be able to make a payment that month. Another two month extension was applied at that time bringing the loan due for 11/01/2018. The spouse called on 10/23/2018 inquiring about the payment change scheduled for 06/2019. The servicer provided the requested information. On 11/28/2018 the borrower requested the fax number to send documentation regarding an insurance claim for roof damages; as well as to request another extension. There was no further mention of damages or a claim. An authorized third party called on 03/22/2019 to apply for a modification. The spouse called on 04/05/2019, 04/08/2019, and 04/10/2019 to discuss the documents needed for the review and was advised the property value came back at $420,000. The loan was approved for a trial payment plan from 07/01/2019 through 09/01/2019 per notes dated 05/22/2019 and 06/12/2019. On 06/28/2019 the spouse was informed of the approval for the trial payment plan. The notes on 07/16/2019 stated the first trial payment was completed. The account is currently two months past due. REASON FOR DEFAULT: The reason for default is curtailment of income. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: The loan is currently in an active trial to modification plan. Approved for 07/01/2019 to 09/01/2019 with next payment due 08/01/2019. LITIGATION: There is no evidence of litigation on the file. TITLE ISSUES: There is no evidence of title issues. PROPERTY CONDITION: There is evidence of property damage and the nature of the damage is unavailable in the information provided. On 11/28/2018 the borrower requested the fax number to send documentation regarding an insurance claim for roof damages. There was no further mention of damages or a claim. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Delinquent - Property Damage - UTD - No evidence of resolution 9/25/2019
75463931 XXXXX XXXXX         Bankruptcy   07/31/2019 07/30/2019   Curtailment of Income Bankruptcy 1 07/30/2019 Owner Occupied   UTD UTD 08/17/2018 Yes   25           N/A   0         07/30/2019 Ongoing dialogue with borrower       Commentary from 08/2017 through 10/2017 resulted in the borrower making a payments. On 11/24/2017 the borrower stated that he has many jobs in the works and is waiting on closing in order to make a payment. Contact for 12/04/2017 resulted in the borrower making 2 payments in the amount of $1700.17 each. On 01/17/2018 the borrower promised to make a payment and a half every month starting 01/30/2018. On 02/28/2018 the borrower stated that they could not afford the payments and loss mitigation options were discussed. The reason for delinquency was due to wife being out of work. On 03/05/2018 the borrower called and stated the he would make 2 payments by 03/12/2018. On 03/29/2018 the borrower stated that he was now employed and would complete a new loss mitigation packet with updated income. There was no contact from 4/2018 through 06/2018. Contact from 07/2018 through 07/2019 resulted in the borrower calling in to make payments. There was no contact after 07/30/2019.   Somewhat No     Fair Fair UTD Fair Strong Reinstatement   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 03/29/2018 No Retention No                                                                                                                                                                                               1 Active   Chapter 13 XXX XX/XX/XXXX         No             Yes XX/XX/XXXX     No     No                                                                                                                                                                           No No   No   No                   Employed-New Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/30/2019. Commentary from 08/2017 through 10/2017 resulted in the borrower making a payments. On 11/24/2017 the borrower stated that he has many jobs in the works and is waiting on closing in order to make a payment. Contact for 12/04/2017 resulted in the borrower making 2 payments in the amount of $1700.17 each. On 01/17/2018 the borrower promised to make a payment and a half every month starting 01/30/2018. On 02/28/2018 the borrower stated that they could not afford the payments and loss mitigation options were discussed. The reason for delinquency was due to wife being out of work. On 03/05/2018 the borrower called and stated the he would make 2 payments by 03/12/2018. On 03/29/2018 the borrower stated that he was now employed and would complete a new loss mitigation packet with updated income. There was no contact from 4/2018 through 06/2018. Contact from 07/2018 through 07/2019 resulted in the borrower calling in to make payments. There was no contact after 07/30/2019. REASON FOR DEFAULT: The reason for default is curtailment of income. 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 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX. 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. 3 - Bankruptcy - Bk Filed - No evidence MFR filed - Current Status - Bankruptcy 9/25/2019
76669158 XXXXX XXXXX         Delinquent   07/31/2019 07/16/2019   Curtailment of Income 60 1 07/25/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         05/04/2019 Ongoing dialogue with borrower       Attempts to contact were made from 08/08/2017 through 10/23/2017. On 10/23/2017 the borrower scheduled a payment. On 11/30/2017 the borrower stated they were trying to refinance. On 02/27/2018 the borrower explained business is slow. On 03/05/2018 the borrower called about loss mitigation. On 03/23/2018 the borrower called about the evaluation letter Wants to appeal the decision. Spoke on 03/27 and 03/29/2018 about the appeal process. On 04/02/2018 confirmed documents were received. A trial plan was discussed on 04/25/2018 and on 05/22/2019 the borrower scheduled the trial payments. On 06/04/2018 the borrower called about making changes to the payments. On 08/01/2018 the borrower stated they were going through a divorce and wanted to reset the password. On 08/20/2018 the borrower scheduled the final trial payment. On 09/13/2018 the final agreement was sent and should be there in 2 days. On 09/24/2018 the borrower called to follow up on the final modification documents. On 10/02/2018 the documents had not been received. Discussion continued through 12/28/2018. The borrower stated the ex-spouse refused to sign. On 01/04/2019 the BAF was faxed. On 01/16/2019 the borrower called in but the call was dropped. On 01/26/2019 the borrower called to schedule the trial payments. No further contact until 04/12/2019 when the borrower was informed that the agreement is being drafted. On 04/22/2019 the agreement was shipped. On 05/10/2019 the borrower called in and was transferred to voicemail. No further contact is evident.   Somewhat No     Fair Fair UTD Fair Moderate Reinstatement   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 05/04/2019 No Retention Yes XX/XX/XXXX     XX/XX/XXXX   1 Completed                                                                                                                                                                                 1 Discharged   UTD             No             No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/04/2019. Attempts to contact were made from 08/08/2017 through 10/23/2017. On 10/23/2017 the borrower scheduled a payment. On 11/30/2017 the borrower stated they were trying to refinance. On 02/27/2018 the borrower explained business is slow. On 03/05/2018 the borrower called about loss mitigation. On 03/23/2018 the borrower called about the evaluation letter Wants to appeal the decision. Spoke on 03/27 and 03/29/2018 about the appeal process. On 04/02/2018 confirmed documents were received. A trial plan was discussed on 04/25/2018 and on 05/22/2019 the borrower scheduled the trial payments. On 06/04/2018 the borrower called about making changes to the payments. On 08/01/2018 the borrower stated they were going through a divorce and wanted to reset the password. On 08/20/2018 the borrower scheduled the final trial payment. On 09/13/2018 the final agreement was sent and should be there in 2 days. On 09/24/2018 the borrower called to follow up on the final modification documents. On 10/02/2018 the documents had not been received. Discussion continued through 12/28/2018. The borrower stated the ex-spouse refused to sign. On 01/04/2019 the BAF was faxed. On 01/16/2019 the borrower called in but the call was dropped. On 01/26/2019 the borrower called to schedule the trial payments. No further contact until 04/12/2019 when the borrower was informed that the agreement is being drafted. On 04/22/2019 the agreement was shipped. On 05/10/2019 the borrower called in and was transferred to voicemail. No further contact is evident. REASON FOR DEFAULT: The reason for default is curtailment of income. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. 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. 3 - Current Status - Delinquent 9/25/2019
76606679 XXXXX XXXXX         Bankruptcy   07/31/2019     UTD Bankruptcy 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/21/2019 Not attempting to contact the borrower       Contact made from 8/2017 through 11/2017 resulted in the discussing of a short sale with the authorized 3rd party. On 11/13/2017 the 3rd party was advised that the short sale was denied and was advised that a high offer toward the value is needed. The party disputed the value, but the dispute was deemed immaterial. On 11/16/2017 the authorized 3rd party was advised that the Servicer would be proceedings with foreclosure. On 11/30/2017 the 3rd party was advised that a foreclosure sale date was set for 01/31/2018. Contact made for 12/2018 resulted in an Escalation regarding the Short Sale denial. The authorized 3rd party was advised that due to multiple approvals and extensions that did not close, no longer willing to postpone the foreclosure for short sale. There was no contact from 01/2018 through 08/2018. On 09/11/2018 the borrower called to get the payment address and payment amount. There was no contact from 10/2018 through 05/2019. On 06/21/2019 the authorized 3rd party called to inquire about whether his payments of $2800.00 are being credited to his account-advised that yes. There was no contact after 06/21/2019.   Somewhat Yes Verbal Yes Fair Fair UTD Poor Strong Reinstatement   No No No No Yes No No No No Yes No No No No No No No No No Yes Short Sale 12/01/2018 No Non-Retention No                                                                                                                                                                                               2 Active   Chapter 13 XXX XX/XX/XXXX         No             Yes XX/XX/XXXX     No     No XX/XX/XXXX Case# XXX was dismissed on XX/XX/XXXX.                                   No   Yes 04/10/2018 XXX Non-Retention                                                                                                                         No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/21/2019. Contact made from 8/2017 through 11/2017 resulted in the discussing of a short sale with the authorized 3rd party. On 11/13/2017 the 3rd party was advised that the short sale was denied and was advised that a high offer toward the value is needed. The party disputed the value, but the dispute was deemed immaterial. On 11/16/2017 the authorized 3rd party was advised that the Servicer would be proceedings with foreclosure. On 11/30/2017 the 3rd party was advised that a foreclosure sale date was set for 01/31/2018. Contact made for 12/2018 resulted in an Escalation regarding the Short Sale denial. The authorized 3rd party was advised that due to multiple approvals and extensions that did not close, no longer willing to postpone the foreclosure for short sale. There was no contact from 01/2018 through 08/2018. On 09/11/2018 the borrower called to get the payment address and payment amount. There was no contact from 10/2018 through 05/2019. On 06/21/2019 the authorized 3rd party called to inquire about whether his payments of $2800.00 are being credited to his account-advised that yes. There was no contact after 06/21/2019. Borrower is deceased and ---. The date of death is unknown. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. 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 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX. Case# XXX was dismissed on XX/XX/XXXX. 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. 3 - Bankruptcy - Bk Filed - No evidence MFR filed - Current Status - Bankruptcy - Deceased Borrower(s) - No Death Certificate Received - Deceased Borrower(s) - Trustee/Heir(s) identified and documented 9/25/2019
71128652 XXXXX XXXXX         Delinquent   07/31/2019 06/07/2019   Curtailment of Income 60 1 07/30/2019 Owner Occupied   UTD UTD 07/04/2019 Yes   24           N/A   0         07/29/2019 Ongoing dialogue with borrower       There was no contact prior to 08/07/2017. On 08/07/2017, the borrower discussed the escrow shortage amount and promised to send the outstanding amount via wire. The account information was updated; and the credit dispute was resolved as a response was sent to Equifax on 11/01/2017. There was no borrower response to contact attempts between 08/08/2017 and 09/18/2018. The loan was referred to foreclosure on 09/05/2018. On 09/19/2018, the customer requested a reinstatement quote. On 09/24/2018, the agent provided the reinstatement quote of $24,198.26 with a good through date of 09/30/2018; and confirmed that funds of $4,400.00 were being returned as of today. On 09/27/2018, the borrower stated may wire the reinstatement funds the following day. On 10/01/2018, the agent confirmed receipt of the funds and advised the homeowner to call back in 24 hours to allow funds to post to account for reinstatement. On 10/04/2018, the customer was advised of the reinstatement steps and confirmed funds. The foreclosure proceedings were closed and billed on 10/12/2018 as the loan was reinstated with a current due date of 10/01/2018. On 11/06/2018, the borrower promised to wire the funds within the grace period. There was no response to contact attempts between 11/07/2018 - 01/07/2019. On 01/08/2019, the homeowner advised that the spouse had been unemployed; but has started a new job and agreed to apply for a deferment. On 01/14/2019, the servicer advised the customer that the deferment approval was pending the November payment made and the February payment scheduled. A payment for $4042.36 for the month of November was scheduled for the 28th and for $4080.97 for the month of February for the 14th. A two-month deferment was processed on 01/28/2019 for the months of December and January. There was no response to contact attempts between 01/29/2019 - 05/08/2019. On 05/09/2019, the homeowner was informed that the loan was due for 3 payments. The borrower replied that made payments in the amount of $4,000.00 and $600.00. After review, the $4,000 was verified as having been applied towards escrow. The agent promised to have the funds reapplied towards the payments so the account will show due for April and May. The caller will catch up on won due to cash flow issues. Owner occupancy was verified. The dispute appears resolved as no further communication regarding this issue was cited. On 06/07/2019, the customer advised that the hardship is due to a reduction in the spouse's income and plans to make a payment in a few weeks and then another at the end of the month via money gram. On 07/29/2019, the borrower stated that wants to bring the loan current before September 1st. If that is not possible, then the customer stated will be interested in a repayment plan. However, the caller declined to speak with the single point of contact due to time constraints. There was no additional contact.   Yes Yes Verbal Yes Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 07/29/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/29/2019. There was no contact prior to 08/07/2017. On 08/07/2017, the borrower discussed the escrow shortage amount and promised to send the outstanding amount via wire. The account information was updated; and the credit dispute was resolved as a response was sent to Equifax on 11/01/2017. There was no borrower response to contact attempts between 08/08/2017 and 09/18/2018. The loan was referred to foreclosure on 09/05/2018. On 09/19/2018, the customer requested a reinstatement quote. On 09/24/2018, the agent provided the reinstatement quote of $24,198.26 with a good through date of 09/30/2018; and confirmed that funds of $4,400.00 were being returned as of today. On 09/27/2018, the borrower stated may wire the reinstatement funds the following day. On 10/01/2018, the agent confirmed receipt of the funds and advised the homeowner to call back in 24 hours to allow funds to post to account for reinstatement. On 10/04/2018, the customer was advised of the reinstatement steps and confirmed funds. The foreclosure proceedings were closed and billed on 10/12/2018 as the loan was reinstated with a current due date of 10/01/2018. On 11/06/2018, the borrower promised to wire the funds within the grace period. There was no response to contact attempts between 11/07/2018 - 01/07/2019. On 01/08/2019, the homeowner advised that the spouse had been unemployed; but has started a new job and agreed to apply for a deferment. On 01/14/2019, the servicer advised the customer that the deferment approval was pending the November payment made and the February payment scheduled. A payment for $4042.36 for the month of November was scheduled for the 28th and for $4080.97 for the month of February for the 14th. A two-month deferment was processed on 01/28/2019 for the months of December and January. There was no response to contact attempts between 01/29/2019 - 05/08/2019. On 05/09/2019, the homeowner was informed that the loan was due for 3 payments. The borrower replied that made payments in the amount of $4,000.00 and $600.00. After review, the $4,000 was verified as having been applied towards escrow. The agent promised to have the funds reapplied towards the payments so the account will show due for April and May. The caller will catch up on won due to cash flow issues. Owner occupancy was verified. The dispute appears resolved as no further communication regarding this issue was cited. On 06/07/2019, the customer advised that the hardship is due to a reduction in the spouse's income and plans to make a payment in a few weeks and then another at the end of the month via money gram. On 07/29/2019, the borrower stated that wants to bring the loan current before September 1st. If that is not possible, then the customer stated will be interested in a repayment plan. However, the caller declined to speak with the single point of contact due to time constraints. There was no additional contact. REASON FOR DEFAULT: The reason for default is curtailment of income. 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. 3 - Current Status - Delinquent 9/25/2019
73295692 XXXXX XXXXX         Delinquent   07/31/2019 05/01/2019   Marital Difficulties 60 1 07/31/2019 Owner Occupied   UTD UTD 06/28/2019 Yes   24           N/A   0         07/31/2019 Ongoing dialogue with borrower       On 08/21/2017 servicer called regarding past due taxes. Borrower advised she has court date and will have all taxes current by 08/31/2017. County website verified taxes redeemed on 08/31/2017. Borrower called at the end of the month from 10/2017 to 07/2018 to make payments on account. Borrower was not responsive to calls from servicer from 09/06/2018 to 09/18/2018. Borrower called 09/20/2018 and stated she was not aware of service transfer and will make payment on 09/21/2018. RFD cited as divorce. Borrower called 09/24/2018 to make payment and and servicer approved 2 month deferment on account. Borrower called once a month from 10/2018 to 01/2019 to make payments on account, Borrower called 02/18/2019 to make payment and apply for modification. Servicer advised account must be delinquent to apply for modification assistance. Borrower did not respond to calls from servicer from 02/19/2019 to 03/19/2019. Borrower called 03/20/2019 to discuss modification and see about removing spouse from loan due to divorce. Servicer advised only refinance would remove other party's name from account. Borrower called 04/01/2019 and stated she has to pay taxes taxes and would like to apply for modification; she was awarded this property in divorce. Borrower called 04/16/2019 and stated is unable to pay property taxes and will send tax notice for servicer to make payment. Borrower called 04/29/2019 to make payment on account for 02/01/2019 payment. Borrower stated 05/14/2019 that her ex-spouse is in process of filing for bankruptcy and she sent in modification application. Borrower also set up payment for 05/18/2019. Borrower stated 06/03/2019 that the inspector came to do appraisal and is not sure when she can make payment on account. Servicer advised of documents still needed for modification review. Borrower called 06/18/2019 to make payment on account. On 06/27/2019 Servicer advised borrower was approved for trial plan with payments from 08/01/2019 to 10/2019. Borrower called 07/16/2019 to confirm trial payment amount and will make payment when due 08/01/2019. Servicer advised 07/24/2019 of payment amount and tax will be escrowed, Insurance will be escrowed once modification is completed. Borrower called 07/31/2019 to make payment on account. Loan is 60 days delinquent and is in active trial plan.   Somewhat No     Fair Fair Permanent Fair Strong Modification   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 07/24/2019 No Retention Yes           1 Active Trial Plan                                                                                                                                                                                 1 Discharged   Chapter 7 XXX           No     XX/XX/XXXX       No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/31/2019. On 08/21/2017 servicer called regarding past due taxes. Borrower advised she has court date and will have all taxes current by 08/31/2017. County website verified taxes redeemed on 08/31/2017. Borrower called at the end of the month from 10/2017 to 07/2018 to make payments on account. Borrower was not responsive to calls from servicer from 09/06/2018 to 09/18/2018. Borrower called 09/20/2018 and stated she was not aware of service transfer and will make payment on 09/21/2018. RFD cited as divorce. Borrower called 09/24/2018 to make payment and and servicer approved 2 month deferment on account. Borrower called once a month from 10/2018 to 01/2019 to make payments on account, Borrower called 02/18/2019 to make payment and apply for modification. Servicer advised account must be delinquent to apply for modification assistance. Borrower did not respond to calls from servicer from 02/19/2019 to 03/19/2019. Borrower called 03/20/2019 to discuss modification and see about removing spouse from loan due to divorce. Servicer advised only refinance would remove other party's name from account. Borrower called 04/01/2019 and stated she has to pay taxes taxes and would like to apply for modification; she was awarded this property in divorce. Borrower called 04/16/2019 and stated is unable to pay property taxes and will send tax notice for servicer to make payment. Borrower called 04/29/2019 to make payment on account for 02/01/2019 payment. Borrower stated 05/14/2019 that her ex-spouse is in process of filing for bankruptcy and she sent in modification application. Borrower also set up payment for 05/18/2019. Borrower stated 06/03/2019 that the inspector came to do appraisal and is not sure when she can make payment on account. Servicer advised of documents still needed for modification review. Borrower called 06/18/2019 to make payment on account. On 06/27/2019 Servicer advised borrower was approved for trial plan with payments from 08/01/2019 to 10/2019. Borrower called 07/16/2019 to confirm trial payment amount and will make payment when due 08/01/2019. Servicer advised 07/24/2019 of payment amount and tax will be escrowed, Insurance will be escrowed once modification is completed. Borrower called 07/31/2019 to make payment on account. Loan is 60 days delinquent and is in active trial plan. REASON FOR DEFAULT: The reason for default is marital difficulties. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter 7. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. MODIFICATION: The loan is currently in an active trial to modification plan. 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. 3 - Bankruptcy - CH 7 - Discharged w/o Reaffirmation - Current Status - Delinquent - Delinquency Prognosis - Permanent 9/25/2019
79346838 XXXXX XXXXX         Delinquent   07/31/2019 07/31/2019   Curtailment of Income 60 1 07/31/2019 Owner Occupied   UTD UTD 05/04/2019 Yes   24           N/A   0         07/30/2019 Ongoing dialogue with borrower       There was no contact prior to 08/28/2017. On 08/28/2017, the borrower noted claim check received for roof and wanted to know what they needed to do with it. Borrower was provided information. On 09/12/2017, the borrower set up a payment for 09/30/2017. Reason for delinquency was noted as excessive obligations. On 09/20/2017, the borrower inquired on claim check. On 10/04/2017, the borrower stated that they will make a payment by the 16th. Borrower also noted that the roofing company is still waiting on the rest of the funds. On 10/31/2017, the borrower inquired on payment increase and was advised of analysis. On 11/22/2017, the borrower is inquiring on bi-monthly payments and wanted to see if there was anything that could be done to having more of the payment go to principal instead of interest. On 02/23/2018, the borrower made payment for the payment due for January. On 02/26/2018, the borrower wanted the payments changed that were set-up for February and set-up payments for 03/09/2018 and 03/30/2018 and will make payment arrangements to bring account current in April. On 02/28/2018, a 2-month deferment was processed and advanced the next to to 03/01/2018. On 05/21/2018, the borrower made a payment of $1,760.21. On 08/13/2018, the borrower denied repayment plan and stated that loan will be brought current next month. Reason for delinquency was noted as excessive obligations. On 09/05/2018, the borrower inquired on why the mortgage was not showing on credit reporting and was advised of prior bankruptcy. On 09/25/2018, the borrower requested for the payment scheduled to be changed to 09/28/2018 due to family emergency. On 09/27/2018, the borrower inquired on if the payment scheduled could be split but was advised that that would put them past 2 months due. Borrower was transferred to loss mitigation. On 10/23/2018, the borrower advised that a payment was scheduled online for 10/31/2018. On 11/27/2018, the borrower called to make a payment for 11/30/2018 and will make another payment on 102/15/2018. On 12/26/2018, the borrower made a payment for one month and was transferred to collections. On 12/31/2018, the borrower inquired on deferment status. On 01/03/2019, the borrower inquired on deferment. On 01/04/2019, a 2-month deferment was processed for the borrower and advanced the next due to 01/01/2019. On 02/28/2019, the borrower scheduled payment for 03/23/2019. On 03/18/2019, the borrower processed a payment for 03/28/2019. The borrower deleted out previous payment scheduled for 03/23/2019. On 03/28/2019, the borrower wanted the escrow shortage to be spread over 36 months instead of the 12 months due to the increase in the payment. Borrower was advised that a request will be sent to the escrow department but there was no guarantee on the request being approved. Reason for delinquency was noted as escrow. On 04/24/2019, the borrower noted that payment is not affordable and advised to contact loss mitigation. Reason for delinquency was noted as illness of family. On 04/26/2019, the borrower made a promise to pay by 04/30/2019 and discussed payment increase. Borrower was advised of shortage. On 05/01/2019, the borrower inquired about payment increase and was advised of analysis back in February. Borrower stated that account will be brought current this month. On 05/31/2019, the borrower made a payment in the amount of $1,924.19. Borrower noted inability to reach their point of contact. On 06/08/2019, the borrower made a promise to pay by 06/29/2019. Borrower noted unable to afford monthly payments. On 07/23/2019, borrower scheduled a payment and will call by the end of August to make the July payment. On 07/30/2019, borrower advised that a payment will be made on 08/09/2019 for the June payment. Borrower also requested to be reviewed for a modification. Provided loss mitigation e-mail address to send documents to. Borrower was advised that interior value inspection is needed in order to be reviewed for modification. There was no further contact with the borrower.   Yes No     Fair Fair Temporary Fair Moderate Modification   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 07/30/2019 No Retention Yes XX/XX/XXXX     XX/XX/XXXX   2 Completed   2-month deferment         Monthly                   A 2-month deferment was processed on XX/XX/XXXX. A 2-month deferment was also processed on XX/XX/XXXX.                                                                                                                                               1 Discharged 11/30/2018 UTD             No             No       No     No   Limited specifics on bankruptcy.                                                                                                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/30/2019. There was no contact prior to 08/28/2017. On 08/28/2017, the borrower noted claim check received for roof and wanted to know what they needed to do with it. Borrower was provided information. On 09/12/2017, the borrower set up a payment for 09/30/2017. Reason for delinquency was noted as excessive obligations. On 09/20/2017, the borrower inquired on claim check. On 10/04/2017, the borrower stated that they will make a payment by the 16th. Borrower also noted that the roofing company is still waiting on the rest of the funds. On 10/31/2017, the borrower inquired on payment increase and was advised of analysis. On 11/22/2017, the borrower is inquiring on bi-monthly payments and wanted to see if there was anything that could be done to having more of the payment go to principal instead of interest. On 02/23/2018, the borrower made payment for the payment due for January. On 02/26/2018, the borrower wanted the payments changed that were set-up for February and set-up payments for 03/09/2018 and 03/30/2018 and will make payment arrangements to bring account current in April. On 02/28/2018, a 2-month deferment was processed and advanced the next to to 03/01/2018. On 05/21/2018, the borrower made a payment of $1,760.21. On 08/13/2018, the borrower denied repayment plan and stated that loan will be brought current next month. Reason for delinquency was noted as excessive obligations. On 09/05/2018, the borrower inquired on why the mortgage was not showing on credit reporting and was advised of prior bankruptcy. On 09/25/2018, the borrower requested for the payment scheduled to be changed to 09/28/2018 due to family emergency. On 09/27/2018, the borrower inquired on if the payment scheduled could be split but was advised that that would put them past 2 months due. Borrower was transferred to loss mitigation. On 10/23/2018, the borrower advised that a payment was scheduled online for 10/31/2018. On 11/27/2018, the borrower called to make a payment for 11/30/2018 and will make another payment on 102/15/2018. On 12/26/2018, the borrower made a payment for one month and was transferred to collections. On 12/31/2018, the borrower inquired on deferment status. On 01/03/2019, the borrower inquired on deferment. On 01/04/2019, a 2-month deferment was processed for the borrower and advanced the next due to 01/01/2019. On 02/28/2019, the borrower scheduled payment for 03/23/2019. On 03/18/2019, the borrower processed a payment for 03/28/2019. The borrower deleted out previous payment scheduled for 03/23/2019. On 03/28/2019, the borrower wanted the escrow shortage to be spread over 36 months instead of the 12 months due to the increase in the payment. Borrower was advised that a request will be sent to the escrow department but there was no guarantee on the request being approved. Reason for delinquency was noted as escrow. On 04/24/2019, the borrower noted that payment is not affordable and advised to contact loss mitigation. Reason for delinquency was noted as illness of family. On 04/26/2019, the borrower made a promise to pay by 04/30/2019 and discussed payment increase. Borrower was advised of shortage. On 05/01/2019, the borrower inquired about payment increase and was advised of analysis back in February. Borrower stated that account will be brought current this month. On 05/31/2019, the borrower made a payment in the amount of $1,924.19. Borrower noted inability to reach their point of contact. On 06/08/2019, the borrower made a promise to pay by 06/29/2019. Borrower noted unable to afford monthly payments. On 07/23/2019, borrower scheduled a payment and will call by the end of August to make the July payment. On 07/30/2019, borrower advised that a payment will be made on 08/09/2019 for the June payment. Borrower also requested to be reviewed for a modification. Provided loss mitigation e-mail address to send documents to. Borrower was advised that interior value inspection is needed in order to be reviewed for modification. There was no further contact with the borrower. REASON FOR DEFAULT: The reason for default is curtailment of income. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Limited specifics on 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. A 2-month deferment was processed on XX/XX/XXXX. A 2-month deferment was also 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. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary 9/25/2019
74418507 XXXXX XXXXX         Delinquent   07/31/2019     Excessive Obligations 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/26/2019 Ongoing dialogue with borrower       Initial contact was made during the review period on 8/8/2017; in which the borrower scheduled a payment. Contact was made with borrower on 8/22/2017, 8/31/2017, 9/11/2017, 9/20/2017, 10/19/2017, 10/28/2017, 11/1/2017, 11/7/2017, 11/9/2017, and 11/22/2017 in which payments were scheduled or re-scheduled. The borrower called on 12/28/2017 and indicated was unable to make the payment for this month but would bring the loan current in January. The borrower called on 1/29/2018 and inquired about payments options, a refinance and a modification. The borrower was contacted on 2/7/2018, 2/23/2018, 3/8/2018, and 3/25/2018 in which a payment was scheduled. The borrower was informed of an approved 2-month deferment on 3/29/2018. The borrower called on 6/29/2018 to cancel and reschedule a payment. The borrower called on 7/27/2018 and 8/28/2018 to check the modification review status. An authorized third party called in on 9/6/2018 and 9/11/2018 to confirm documents were received for the modification review. The borrower called on 9/20/2018 to check the modification review status. The borrower scheduled a payment on 10/1/2018 and 10/29/2018. The borrower was contacted on 12/20/2018 and 12/24/2018, in which the borrower asked for the trial payment due date to be extended. The borrower was approved to make the payment by 1/4/2019. The borrower called in on 1/8/2019 and was confirmed the final modification payment was received and servicer was in the process of creating the modification documents. The borrower scheduled a payment on 1/22/2019, and 2/21/2019. The borrower called in on 3/1/2019 and discussed the modification terms. Contact was made with the borrower on 3/9/2019, 3/16/2019, 4/26/2019, 5/8/2019, and 5/22/2019, in which payments were scheduled. The borrower called in on 6/1/2019 to schedule a payment and called back to reschedule it on 6/3/2019. The borrower was contacted on 7/16/2019, in which a payment was scheduled and indicated will make the July payment on 8/14/2019. The last contact was made on 7/26/2019, in which the borrower scheduled a payment. The reason for default was cited as excessive obligations. There was no additional contact made with the borrower during the remainder of the review period.   Yes No     Fair Poor - Intervention Required UTD Fair Moderate Reinstatement   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 03/01/2019 No Retention Yes           1 Completed                                                                                                                                                                                 1 Discharged   UTD             No             No       No     No   Comments referenced a discharged bankruptcy, however; there were no additional details provided.                                                                                                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/26/2019. Initial contact was made during the review period on 8/8/2017; in which the borrower scheduled a payment. Contact was made with borrower on 8/22/2017, 8/31/2017, 9/11/2017, 9/20/2017, 10/19/2017, 10/28/2017, 11/1/2017, 11/7/2017, 11/9/2017, and 11/22/2017 in which payments were scheduled or re-scheduled. The borrower called on 12/28/2017 and indicated was unable to make the payment for this month but would bring the loan current in January. The borrower called on 1/29/2018 and inquired about payments options, a refinance and a modification. The borrower was contacted on 2/7/2018, 2/23/2018, 3/8/2018, and 3/25/2018 in which a payment was scheduled. The borrower was informed of an approved 2-month deferment on 3/29/2018. The borrower called on 6/29/2018 to cancel and reschedule a payment. The borrower called on 7/27/2018 and 8/28/2018 to check the modification review status. An authorized third party called in on 9/6/2018 and 9/11/2018 to confirm documents were received for the modification review. The borrower called on 9/20/2018 to check the modification review status. The borrower scheduled a payment on 10/1/2018 and 10/29/2018. The borrower was contacted on 12/20/2018 and 12/24/2018, in which the borrower asked for the trial payment due date to be extended. The borrower was approved to make the payment by 1/4/2019. The borrower called in on 1/8/2019 and was confirmed the final modification payment was received and servicer was in the process of creating the modification documents. The borrower scheduled a payment on 1/22/2019, and 2/21/2019. The borrower called in on 3/1/2019 and discussed the modification terms. Contact was made with the borrower on 3/9/2019, 3/16/2019, 4/26/2019, 5/8/2019, and 5/22/2019, in which payments were scheduled. The borrower called in on 6/1/2019 to schedule a payment and called back to reschedule it on 6/3/2019. The borrower was contacted on 7/16/2019, in which a payment was scheduled and indicated will make the July payment on 8/14/2019. The last contact was made on 7/26/2019, in which the borrower scheduled a payment. The reason for default was cited as excessive obligations. There was no additional contact made with the borrower during the remainder of the review period. REASON FOR DEFAULT: The reason for default is excessive obligations. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Comments referenced a discharged bankruptcy, however; there were no additional details provided. 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. ADDITIONAL INFORMATION Hurricane comments noted on 9/20/2017, however; there was no evidence to indicate any outstanding property damage as of the end of the review period. 3 - Ability to Repay - Poor - Intervention Required - Current Status - Delinquent 9/25/2019
78803268 XXXXX XXXXX         Delinquent   07/31/2019 05/31/2018   Illness - Family 60 1 08/13/2019 Owner Occupied   UTD Good 10/12/2018 Yes   24           N/A   0         05/31/2018 Contact attempts - however unable to contact borrower       There was no contact with borrower from 08/01/2017 to 09/27/2017. Borrower called 09/28/2017 regarding trial payment and then sent email to set up payments for 11/2017 and 12/2017. Borrower was not responsive to calls from servicer from 10/01/2017 to 05/30/2018. Final modification agreement was not returned by borrower. Borrower called 05/31/2018 to go over workout options; stated daughter has been in hospital with brain injury. There has been no other contact with borrower since 05/31/2018 as borrower did not respond to calls from servicer. Loan modification was completed on 10/25/2018. Borrower had NSF payments in 04/2019 and 07/2019. Loan is 60 days delinquent.   Somewhat No     Fair Poor - Intervention Required Permanent Poor Strong Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Other Modification 05/31/2018 No Retention Yes XX/XX/XXXX     XX/XX/XXXX   1 Completed             Monthly                                                                                                                                                                                                                                                                                                                                                                                               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/31/2018. There was no contact with borrower from 08/01/2017 to 09/27/2017. Borrower called 09/28/2017 regarding trial payment and then sent email to set up payments for 11/2017 and 12/2017. Borrower was not responsive to calls from servicer from 10/01/2017 to 05/30/2018. Final modification agreement was not returned by borrower. Borrower called 05/31/2018 to go over workout options; stated daughter has been in hospital with brain injury. There has been no other contact with borrower since 05/31/2018 as borrower did not respond to calls from servicer. Loan modification was completed on 10/25/2018. Borrower had NSF payments in 04/2019 and 07/2019. Loan is 60 days delinquent. REASON FOR DEFAULT: The reason for default is illness - family. 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 good. The current occupancy status is owner occupied. 3 - Ability to Repay - Poor - Intervention Required - Current Status - Delinquent - Delinquency Prognosis - Permanent 9/25/2019
73438397 XXXXX XXXXX         Delinquent   07/31/2019 06/26/2019   Illness - Family 90 1 07/30/2019 Owner Occupied   UTD UTD 07/19/2019 Yes   24           N/A   0         06/26/2019 Contact attempts - however unable to contact borrower       No contact with the borrower from 8/1/2017 to 8/29/2017. On 8/30/2019 the borrower called to change the payment date from the 15th to the 16th. No contact from 9/1/2017 to 9/20/2017. On 9/21/2017 the borrower called to make a payment but was unable to transfer funds and stated would call back. No contact from 9/22/2017 to 12/4/2017. The borrower called on 12/5/2017 and made a payment over the phone to bring the account current. No contact from 12/6/2017 to 2/5/2018. On 2/6/2018 the borrower called to schedule a payment. Also noted the reason for default is a curtailment of income. No contact from 2/7/2018 to 4/11/2018. The borrower called on 4/12/2018 to make a payment to reinstate the account. No contact from 4/13/2018 to 5/24/2018. The borrower called on 5/25/2018 to make a payment. Also noted live s in the property and has a lot of medical bills. Contact was made on 5/31/2018 but the borrower was unable to talk. No contact from 6/1/2018 to 9/13/2018. On 9/14/2018 the borrower called to schedule a payment and requested a 2 month deferment. The deferment was approved on 9/17/2018. No contact from 9/15/2018 to 1/6/2019. On 1/7/2019 and 1/15/2019 The borrower called to schedule and adjust the scheduled payments. No contact from 1/16/2019 to 3/31/2019. On 4/1/2019 the borrower emailed a request to assist with the scheduled payment citing email would be the better was to reach. No contact from 4/2/2019 to 6/9/2019. On 6/10/2019 the borrower called to schedule payments to bring the loan current. On 6/26/2019 called to discuss the payment scheduled and plans to bring current by the end of the month. No further contact with the borrower from 6/27/2019 to 7/31/2019. The loan is current 90 days delinquent.   Somewhat No     Fair Fair Temporary Fair Strong Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 06/26/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/26/2019. No contact with the borrower from 8/1/2017 to 8/29/2017. On 8/30/2019 the borrower called to change the payment date from the 15th to the 16th. No contact from 9/1/2017 to 9/20/2017. On 9/21/2017 the borrower called to make a payment but was unable to transfer funds and stated would call back. No contact from 9/22/2017 to 12/4/2017. The borrower called on 12/5/2017 and made a payment over the phone to bring the account current. No contact from 12/6/2017 to 2/5/2018. On 2/6/2018 the borrower called to schedule a payment. Also noted the reason for default is a curtailment of income. No contact from 2/7/2018 to 4/11/2018. The borrower called on 4/12/2018 to make a payment to reinstate the account. No contact from 4/13/2018 to 5/24/2018. The borrower called on 5/25/2018 to make a payment. Also noted live s in the property and has a lot of medical bills. Contact was made on 5/31/2018 but the borrower was unable to talk. No contact from 6/1/2018 to 9/13/2018. On 9/14/2018 the borrower called to schedule a payment and requested a 2 month deferment. The deferment was approved on 9/17/2018. No contact from 9/15/2018 to 1/6/2019. On 1/7/2019 and 1/15/2019 The borrower called to schedule and adjust the scheduled payments. No contact from 1/16/2019 to 3/31/2019. On 4/1/2019 the borrower emailed a request to assist with the scheduled payment citing email would be the better was to reach. No contact from 4/2/2019 to 6/9/2019. On 6/10/2019 the borrower called to schedule payments to bring the loan current. On 6/26/2019 called to discuss the payment scheduled and plans to bring current by the end of the month. No further contact with the borrower from 6/27/2019 to 7/31/2019. The loan is current 90 days delinquent. REASON FOR DEFAULT: The reason for default is illness - family. 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. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary 9/25/2019
71180357 XXXXX XXXXX XXXXX       Delinquent   07/31/2019 03/25/2019   Excessive Obligations 90 1 08/13/2019 Owner Occupied   UTD UTD 07/05/2019 Yes   137           N/A   0         07/26/2019 Ongoing dialogue with borrower       There were no attempts to contact the borrower and no borrower contact from 08/01/2017 to 08/29/2017. On 08/30/2019, the borrower called in for the payment amount. On 09/08/2017, the borrower made the payment. On 09/29/2017, the borrower called in for the mailing address. Despite several contact attempts from the servicer, there was no borrower contact from 09/30/2017 to 12/12/2017. On 12/13/2017, a door-knock was performed and the borrower declined to give any information to the agent. Despite several contact attempts from the servicer, there was no borrower contact from 12/14/2017 to 04/12/2018. On 04/13/2018, the borrower appeared in pre-mediation and expressed interest in retaining the property. The borrower cited curtailment of income as the reason for default. The borrower promised to submit an application for loss mitigation. Contact from 04/26/2018 through 11/05/2018 consisted of modification review documentation communications. Contact from 12/20/2018 to 02/11/2019 consisted of the borrower making payments. On 03/25/2019, the borrower expressed interest in bi-weekly payments and cited excessive obligations as the reason for default. On 04/23/2019, the borrower called in to make a partial payment and promised to make the remaining payment this weekend. Contact from 05/24/2019 to 06/21/2019 consisted of the borrower making payments. On 07/26/2019, the borrower called in about the demand letter that was received and promised to bring the account current soon.   Somewhat No     Fair Fair Temporary Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 04/13/2018 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/26/2019. There were no attempts to contact the borrower and no borrower contact from 08/01/2017 to 08/29/2017. On 08/30/2019, the borrower called in for the payment amount. On 09/08/2017, the borrower made the payment. On 09/29/2017, the borrower called in for the mailing address. Despite several contact attempts from the servicer, there was no borrower contact from 09/30/2017 to 12/12/2017. On 12/13/2017, a door-knock was performed and the borrower declined to give any information to the agent. Despite several contact attempts from the servicer, there was no borrower contact from 12/14/2017 to 04/12/2018. On 04/13/2018, the borrower appeared in pre-mediation and expressed interest in retaining the property. The borrower cited curtailment of income as the reason for default. The borrower promised to submit an application for loss mitigation. Contact from 04/26/2018 through 11/05/2018 consisted of modification review documentation communications. Contact from 12/20/2018 to 02/11/2019 consisted of the borrower making payments. On 03/25/2019, the borrower expressed interest in bi-weekly payments and cited excessive obligations as the reason for default. On 04/23/2019, the borrower called in to make a partial payment and promised to make the remaining payment this weekend. Contact from 05/24/2019 to 06/21/2019 consisted of the borrower making payments. On 07/26/2019, the borrower called in about the demand letter that was received and promised to bring the account current soon. REASON FOR DEFAULT: The reason for default is excessive obligations. 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. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary 9/25/2019
72002192 XXXXX XXXXX         Delinquent   07/31/2019 05/09/2019   Curtailment of Income 60 1 07/25/2019 Owner Occupied   UTD UTD 07/23/2019 Yes   24           N/A   0         05/16/2019 Not attempting to contact the borrower       There was no contact from 08/01/2017 to 08/14/2017. On 08/15/2017 an authorized 3rd party called called in to discuss payment arrangements. On 09/05/2017 and 09/13/2017 an authorized 3rd party called in to discuss the XXX program. On 11/01/2017 the borrower called in to confirm the payment date. On 04/20/2018 and 04/26/2018 an authorized 3rd party called in to discuss a deferment. An 08/16/2018 an authorized 3rd party called in to make a payment. On 10/04/2018 an authorized 3rd party called in to make a payment. The RFD is due a curtailment of income. On 10/31/2018, 11/08/2018, 11/15/2018 and 11/30/2018 an authorized 3rd party called in too adjust already scheduled payments. On 12/05/2018, 12/08/2018 and 12/10/2018 an authorized 3rd party called in to schedule a payment. On 01/07/2019. 01/17/2019 and 01/24/2019 an authorized 3rd party called in to schedule payments. On 01/29/2019 an authorized 3rd party called in to change scheduled payments and schedule another. On 02/07/2019 and 02/14/2019 an authorized 3rd party called in to make a payment. On 02/25/2019, 02/27/2019, 03/07/2019, 03/14/2019, 03/21/2019, 03/28/2019 and 04/04/2019 an authorized 3rd party called in to update a scheduled payment. On 04/11/2019 an authorized 3rd party called in to schedule a payment. On 04/24/2019 an authorized 3rd party called in to make payment arrangements. On 05/02/2019, 05/09/2019 and 05/16/2019 an authorized 3rd party called in to update multiple scheduled payments. There was no further contact.   Yes No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No Yes No No No No No No No No No Yes Other Modification 04/26/2018 No Retention Yes           1 Completed                                                                                                                                                                                                                                                                       05/18/2014 Yes 04/24/2018 Yes 04/11/2019 XXX Retention                                                                                                                         No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/16/2019. There was no contact from 08/01/2017 to 08/14/2017. On 08/15/2017 an authorized 3rd party called called in to discuss payment arrangements. On 09/05/2017 and 09/13/2017 an authorized 3rd party called in to discuss the XXX program. On 11/01/2017 the borrower called in to confirm the payment date. On 04/20/2018 and 04/26/2018 an authorized 3rd party called in to discuss a deferment. An 08/16/2018 an authorized 3rd party called in to make a payment. On 10/04/2018 an authorized 3rd party called in to make a payment. The RFD is due a curtailment of income. On 10/31/2018, 11/08/2018, 11/15/2018 and 11/30/2018 an authorized 3rd party called in too adjust already scheduled payments. On 12/05/2018, 12/08/2018 and 12/10/2018 an authorized 3rd party called in to schedule a payment. On 01/07/2019. 01/17/2019 and 01/24/2019 an authorized 3rd party called in to schedule payments. On 01/29/2019 an authorized 3rd party called in to change scheduled payments and schedule another. On 02/07/2019 and 02/14/2019 an authorized 3rd party called in to make a payment. On 02/25/2019, 02/27/2019, 03/07/2019, 03/14/2019, 03/21/2019, 03/28/2019 and 04/04/2019 an authorized 3rd party called in to update a scheduled payment. On 04/11/2019 an authorized 3rd party called in to schedule a payment. On 04/24/2019 an authorized 3rd party called in to make payment arrangements. On 05/02/2019, 05/09/2019 and 05/16/2019 an authorized 3rd party called in to update multiple scheduled payments. There was no further contact. Borrower is deceased and ---. The date of death is 05/18/2014. REASON FOR DEFAULT: The reason for default is curtailment of income. 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. 3 - Current Status - Delinquent - Deceased Borrower(s) - Trustee/Heir(s) identified and documented 9/25/2019
70580919 XXXXX XXXXX         Bankruptcy   07/31/2019 02/19/2019   Illness - Mortgagor Bankruptcy 1 07/20/2019 Owner Occupied   UTD UTD   Yes   25           N/A   0         05/13/2019 Ongoing dialogue with borrower       There was no contact prior to 09/21/2017. On 09/21/2017, the borrower stated the roof was damaged by a fallen tree and informed that there was a claim with the insurance company and a loss draft package was sent to the borrower. The borrower called on 10/03/2017 to discuss the loss draft process and have online account unlocked. The borrower was informed on 10/04/2017, 10/05/2017, 11/27/2017, 12/07/2017, 12/28/2017, 01/24/2018 that a letter of authorization from attorney was needed to speak to the borrower on the account. The co-borrower had called on 12/07/2017, informed of having loss draft and will complete the roof themselves and the borrower called on 01/24/2018 stating that insurance check was sent over, but account could not be discussed. The letter was received on 01/25/2018, but needed correction. The borrower called on 02/06/2018 to inform of not having internet access due to the bankruptcy, but needed a new copy of the loss mitigation application and will fill it out. Also, the loss draft check was sent. The insurance claim process, status and missing documents were discussed on 02/06/2018, 02/08/2018, 02/23/2018, 02/27/2018, 03/02/2018, 03/07/2018, 03/22/2018, 03/30/2018 with the borrowers still intending to complete repairs themselves. The borrower received the first loss draft check on 04/05/2018 and informed of no further interest in loss mitigation. On 12/03/2018 The borrower called asked for someone in the claim department borrower to follow up on claim. The borrower declined loss mitigation discussion due to bankruptcy. On 01/21/2019 the borrower called in was returning call transferred borrower to loss draft department. An inspection result of 99% completion was accepted and the final draw to the borrower was released on 04/19/2019. On 05/13/2019 The borrower called wanted to know if trustee making on time payments call transferred to bankruptcy. There was no further contact with the borrower. Loan in Bankruptcy.   Somewhat No     Fair Fair UTD Fair Moderate Reinstatement   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 12/03/2018 No Retention No                                                                                                                                                                                               1 Active   Chapter 13 XXX XX/XX/XXXX         No             No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/13/2019. There was no contact prior to 09/21/2017. On 09/21/2017, the borrower stated the roof was damaged by a fallen tree and informed that there was a claim with the insurance company and a loss draft package was sent to the borrower. The borrower called on 10/03/2017 to discuss the loss draft process and have online account unlocked. The borrower was informed on 10/04/2017, 10/05/2017, 11/27/2017, 12/07/2017, 12/28/2017, 01/24/2018 that a letter of authorization from attorney was needed to speak to the borrower on the account. The co-borrower had called on 12/07/2017, informed of having loss draft and will complete the roof themselves and the borrower called on 01/24/2018 stating that insurance check was sent over, but account could not be discussed. The letter was received on 01/25/2018, but needed correction. The borrower called on 02/06/2018 to inform of not having internet access due to the bankruptcy, but needed a new copy of the loss mitigation application and will fill it out. Also, the loss draft check was sent. The insurance claim process, status and missing documents were discussed on 02/06/2018, 02/08/2018, 02/23/2018, 02/27/2018, 03/02/2018, 03/07/2018, 03/22/2018, 03/30/2018 with the borrowers still intending to complete repairs themselves. The borrower received the first loss draft check on 04/05/2018 and informed of no further interest in loss mitigation. On 12/03/2018 The borrower called asked for someone in the claim department borrower to follow up on claim. The borrower declined loss mitigation discussion due to bankruptcy. On 01/21/2019 the borrower called in was returning call transferred borrower to loss draft department. An inspection result of 99% completion was accepted and the final draw to the borrower was released on 04/19/2019. On 05/13/2019 The borrower called wanted to know if trustee making on time payments call transferred to bankruptcy. There was no further contact with the borrower. Loan in Bankruptcy. REASON FOR DEFAULT: The reason for default is illness - mortgagor. 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 13. The bankruptcy was filed under case number XXX. 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. 3 - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Current Status - Bankruptcy 9/25/2019
72869074 XXXXX XXXXX         Delinquent   07/31/2019 07/09/2019   Excessive Obligations 60 1 07/27/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/26/2019 Ongoing dialogue with borrower       No contact from 8/1/2017 to 9/7/2017. On 9/8/2017 the authorized third party called to discuss payment arrangements. Also noted is unemployed/ retired and scheduled a payment. From 9/22/2017 to 3/30/2018 contact with the borrower and authorized third party to discuss loss mitigation efforts. The loan was modified on 4/9/2018. No contact from 3/31/2018 to 5/8/2018 the third party called about the recording fee and scheduled a payment. On 5/22/2018 the third party authorized a payment. No contact from 5/22/2018 to 6/13/2018. On 6/14/2018 the borrower stated would make a another payment by the end of the month. On 6/21/2018 to 6/27/2018 the third party requested a deferment and was approved for 1 month. No contact from 6/28/2018 to 7/18/2018. On 7/19/2018 the third party stated hours cut at work and made a payment over the phone. No contact from 7/20/2018 to 8/8/2018. From 8/9/2018 to 8/22/2018 the borrower stated a reduction in income had occurred and requested additional loss mitigation assistance. A deferment was accepted on 8/22/2018. No contact from 8/23/2018 to 10/28/2018. On 10/29/2018 the borrower scheduled 2 payments. On 11/14/2018 insufficient funds were discussed. No contact from 11/15/2018 to 12/11/2018. On 12/12/2018 a payment was processed. On 12/31/2018 the borrower called to have to the scheduled payment removed. No contact from 1/1/2019 to 1/24/2019. The third party scheduled a payment on 1/25/2019. The borrower called to cancel the scheduled payment on 1/28/2019 and 1/29/2019 citing wants funds available. On 1/31/2019 the third party scheduled 2 payments. No contact from 2/1/2019 to 3/15/2019. On 3/16/2019 the borrower called to schedule a payment. On 3/28/2019 The borrower was advised of the denial for the deferment. From 4/4/2019 to 4/22/2019 discussed payments and loss mitigation efforts. No contact from 4/23/2019 to 5/20/2019. On 5/21/2019 and 5/22/2019 the borrower stated had a deferment on the account and had made the payment. No contact from 5/23/2019 to 6/18/2019. On 6/19/2019 the borrower called and made a payment on the 3 month repayment plan. The borrower called on 6/25/2019 to change the payment date. From 7/6/2019 to 7/26/2019 the borrower stated unable to afford the payments and the repayment plan was cancelled. No further contact through 7/31/2019. The loan is 60 days delinquent.   Somewhat No     Fair Poor - Intervention Required Temporary Poor Strong Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 06/19/2019 Yes Retention Yes XX/XX/XXXX         1 Completed                                                                                                                                                                                                                                                                                                                                                                                                             No No   No   No                   Retired No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/26/2019. No contact from 8/1/2017 to 9/7/2017. On 9/8/2017 the authorized third party called to discuss payment arrangements. Also noted is unemployed/ retired and scheduled a payment. From 9/22/2017 to 3/30/2018 contact with the borrower and authorized third party to discuss loss mitigation efforts. The loan was modified on 4/9/2018. No contact from 3/31/2018 to 5/8/2018 the third party called about the recording fee and scheduled a payment. On 5/22/2018 the third party authorized a payment. No contact from 5/22/2018 to 6/13/2018. On 6/14/2018 the borrower stated would make a another payment by the end of the month. On 6/21/2018 to 6/27/2018 the third party requested a deferment and was approved for 1 month. No contact from 6/28/2018 to 7/18/2018. On 7/19/2018 the third party stated hour cut at work and made a payment over the phone. No contact from 7/20/2018 to 8/8/2018. From 8/9/2018 to 8/22/2018 the borrower stated a reduction in income had occurred and requested additional loss mitigation assistance. A deferment was accepted on 8/22/2018. No contact from 8/23/2018 to 10/28/2018. On 10/29/2018 the borrower scheduled 2 payments. On 11/14/2018 insufficient funds were discussed. No contact from 11/15/2018 to 12/11/2018. On 12/12/2018 a payment was processed. On 12/31/2018 the borrower called to have to the scheduled payment removed. No contact from 1/1/2019 to 1/24/2019. The third party scheduled a payment on 1/25/2019. The borrower called to cancel the scheduled payment on 1/28/2019 and 1/29/2019 citing wants funds available. On 1/31/2019 the third party scheduled 2 payments. No contact from 2/1/2019 to 3/15/2019. On 3/16/2019 the borrower called to schedule a payment. On 3/28/2019 The borrower was advised of the denial for the deferment. From 4/4/2019 to 4/22/2019 discussed payments and loss mitigation efforts. No contact from 4/23/2019 to 5/20/2019. On 5/21/2019 and 5/22/2019 the borrower stated had a deferment on the account and had made the payment. No contact from 5/23/2019 to 6/18/2019. On 6/19/2019 the borrower called and made a payment on the 3 month repayment plan. The borrower called on 6/25/2019 to change the payment date. From 7/6/2019 to 7/26/2019 the borrower stated unable to afford the payments and the repayment plan was cancelled. No further contact through 7/31/2019. The loan is 60 days delinquent. REASON FOR DEFAULT: The reason for default is excessive obligations. 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. 3 - Ability to Repay - Poor - Intervention Required - Current Status - Delinquent - Delinquency Prognosis - Temporary 9/25/2019
77755697 XXXXX XXXXX         Delinquent   07/31/2019 05/31/2019   Curtailment of Income 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   25           N/A   0         07/11/2019 Ongoing dialogue with borrower       Contact from 08/02/2017 to 12/30/2017 consisted of the borrower making payments. On 01/16/2018, the borrower promised to make payments on 01/19/2018 and 02/02/2018 and cited marital difficulties as the reason for default. On 01/31/2018, the borrower requested a payoff statement good through 02/28/2018. Contact from 02/14/2018 to 10/22/2018 consisted of the borrower making payments. On 11/01/2018, the borrower was offered a 1-month payment deferral and accepted. Contact from 12/04/2018 to 01/30/2019 consisted of the borrower making payments. On 02/04/2019, the borrower called in to report damage due to pipes bursting in the home. On 02/11/2019, the borrower advised that the basement has flooded and the insurance company will not pay for the plumber. The borrower requested a 2-month deferment. On 02/19/2019, the borrower was advised that the deferment was approved. On 02/26/2019, the borrower was advised that they must post date a payment for 03/01/2019 in order for the deferment to take effect. Contact from 03/28/2019 to 04/13/2019 consisted of the borrower making payments. On 05/09/2019, the borrower advised that they started a new job and cannot commit to pay at this time. The borrower also verbally disputed a $25.00 insufficient funds fee. On 05/28/2019, the borrower promised to make a payment on 05/31/2019. On 05/31/2019, the borrower made a payment and cited curtailment of income as the reason for default. Contact from 06/11/2019 to 07/11/2019 consisted of the borrower making payments. Despite several contact attempts from the servicer, there was no further borrower contact from 07/12/2019 to 07/31/2019.   Somewhat Yes Verbal Yes Fair Fair Temporary Fair Moderate Reinstatement   No No No No No No No No No No Yes No No No No No No No No Yes Other Modification 11/01/2018 No Retention No                                                                                                                                                                                                                                                                                                   Yes           On 02/04/2019, the borrower called in to report damage due to pipes bursting in the home. On 02/11/2019, the borrower advised that the basement has flooded and the insurance company will not pay for the plumber. There is no evidence of completed repairs.   Water UTD     In Process   No   No     Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/11/2019. Contact from 08/02/2017 to 12/30/2017 consisted of the borrower making payments. On 01/16/2018, the borrower promised to make payments on 01/19/2018 and 02/02/2018 and cited marital difficulties as the reason for default. On 01/31/2018, the borrower requested a payoff statement good through 02/28/2018. Contact from 02/14/2018 to 10/22/2018 consisted of the borrower making payments. On 11/01/2018, the borrower was offered a 1-month payment deferral and accepted. Contact from 12/04/2018 to 01/30/2019 consisted of the borrower making payments. On 02/04/2019, the borrower called in to report damage due to pipes bursting in the home. On 02/11/2019, the borrower advised that the basement has flooded and the insurance company will not pay for the plumber. The borrower requested a 2-month deferment. On 02/19/2019, the borrower was advised that the deferment was approved. On 02/26/2019, the borrower was advised that they must post date a payment for 03/01/2019 in order for the deferment to take effect. Contact from 03/28/2019 to 04/13/2019 consisted of the borrower making payments. On 05/09/2019, the borrower advised that they started a new job and cannot commit to pay at this time. The borrower also verbally disputed a $25.00 insufficient funds fee. On 05/28/2019, the borrower promised to make a payment on 05/31/2019. On 05/31/2019, the borrower made a payment and cited curtailment of income as the reason for default. Contact from 06/11/2019 to 07/11/2019 consisted of the borrower making payments. Despite several contact attempts from the servicer, there was no further borrower contact from 07/12/2019 to 07/31/2019. REASON FOR DEFAULT: The reason for default is curtailment of income. 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 evidence of property damage and the nature of the damage is water. On 02/04/2019, the borrower called in to report damage due to pipes bursting in the home. On 02/11/2019, the borrower advised that the basement has flooded and the insurance company will not pay for the plumber. There is no evidence of completed repairs. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary - There is evidence of property damage. 9/25/2019
74510651 XXXXX XXXXX         Delinquent   07/31/2019 01/07/2019   Curtailment of Income 60 1 07/30/2019 Owner Occupied   UTD UTD 07/24/2019 Yes   24           N/A   0         06/10/2019 Contact attempts - however unable to contact borrower       On 08/02/2017, the borrower called in to make a payment. On 08/04/2017, the borrower called in regarding payment fees and was advised do not take cards and there is a $15 fee. On 08/11/2017, the borrower called to make a promise to pay and stated the payment is on the way and is not interested in electronic payment. On 09/21/2017, the borrower called in regarding Hurricane Irma and reported property damage. Damage was noted to the roof and there is flooding around the back door. On 10/05/2017, the borrower called in to verify the disaster forbearance plan and was advised no payments are due and no late fees will be assessed for 90 days. The borrower is fixing the roof and not making payments. On 10/11/2017, the borrower called in to verify the account and reviewed the forbearance plan. On 12/04/2017, the borrower called in regarding the demand letter that expires on 01/04/2018 and the possible referral to foreclosure. The borrower was advised is under the repayment plan and in January will be reviewed to determine if can make payments again. On 12/08/2017, the borrower called in regarding the demand letter and was advised to send in the deferral agreement signed and dated. On 12/12/2017, the agreement was received. On 12/14/2017, the borrower called to confirm the deferral agreement was received and nothing else was needed. The deferral was completed on XX/XX/XXXX. On 01/03/2018, the borrower was contacted regarding payment and stated will mail it on 01/04/2018. On 01/05/2018, the borrower called in regarding the payment. Attempts to contact the borrower were made between 02/12/2018 and 03/04/2018. On 03/05/2018, the borrower called in with questions regarding the payment. On 05/05/2018, the borrower called in regarding the amount of the payment and requested a copy of the escrow analysis. On 05/15/2018, the borrower called to advise the payment may be a few days late and was provided with payment options. On 05/17/2018, the borrower called in to state the payment was made with Western Union. Attempts were made to contact the borrower between 07/17/2018 and 07/25/2018. On 07/26/2018, the borrower called stating will bring the account current on 08/03/2018. Multiple attempts were made to contact the borrower between 07/30/2018 and 01/06/2019 with no response. On 01/07/2019, the borrower called in to request assistance and was directed to the website for the correct form. The borrower will be reviewed for a modification, deferral or a 12 month repayment plan. The borrower is trying to make a payment in February and is trying to get approved for disability. Borrower was in a car accident and has been trying to recover. The borrower declined the repayment plan due to not being able to afford the payments and agreed to an escrow account. On 01/15/2019, the borrower was denied for a deferral and repayment plan. Multiple attempts were made to contact the borrower between 01/17/2018 and 02/07/2019. On 02/12/2019, the borrower called in to check on the modification and was provided with the terms of the trial plan. Multiple attempts were made to contact the borrower between 02/25/2019 and 04/30/2019. On 05/01/2019, the borrower was contacted regarding payment and stated will send that day. On 05/13/2019, the executed modification documents were received and the modification was processed on XX/XX/XXX. On 06/10/2019, the borrower declined to set up ezpay. Attempts to contact the borrower for a welcome call were made on 07/24/2019 and 07/30/2019 with no response.   Somewhat No     Fair Fair Temporary Fair Moderate Reinstatement   No No No No No No No No No No Yes No No No No No No No No Yes Forbearance/Workout 06/10/2019 Yes Retention Yes XX/XX/XXXX         1 Completed             Monthly                                                                                                                                                                                                                                                                       No         09/21/2017 The borrower reported roof damage and flooding on 09/21/2017 due to Hurricane Irma. The borrower noted on 10/05/2017 was completing the repairs. The details of the damage and status of repairs were not provided and there is no evidence of a claim being filed.   Other Natural Causes No     In Process   No   Yes Hurricane 09/10/2017 Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/10/2019. On 08/02/2017, the borrower called in to make a payment. On 08/04/2017, the borrower called in regarding payment fees and was advised do not take cards and there is a $15 fee. On 08/11/2017, the borrower called to make a promise to pay and stated the payment is on the way and is not interested in electronic payment. On 09/21/2017, the borrower called in regarding Hurricane Irma and reported property damage. Damage was noted to the roof and there is flooding around the back door. On 10/05/2017, the borrower called in to verify the disaster forbearance plan and was advised no payments are due and no late fees will be assessed for 90 days. The borrower is fixing the roof and not making payments. On 10/11/2017, the borrower called in to verify the account and reviewed the forbearance plan. On 12/04/2017, the borrower called in regarding the demand letter that expires on 01/04/2018 and the possible referral to foreclosure. The borrower was advised is under the repayment plan and in January will be reviewed to determine if can make payments again. On 12/08/2017, the borrower called in regarding the demand letter and was advised to send in the deferral agreement signed and dated. On 12/12/2017, the agreement was received. On 12/14/2017, the borrower called to confirm the deferral agreement was received and nothing else was needed. The deferral was completed on 12/22/2017. On 01/03/2018, the borrower was contacted regarding payment and stated will mail it on 01/04/2018. On 01/05/2018, the borrower called in regarding the payment. Attempts to contact the borrower were made between 02/12/2018 and 03/04/2018. On 03/05/2018, the borrower called in with questions regarding the payment. On 05/05/2018, the borrower called in regarding the amount of the payment and requested a copy of the escrow analysis. On 05/15/2018, the borrower called to advise the payment may be a few days late and was provided with payment options. On 05/17/2018, the borrower called in to state the payment was made with Western Union. Attempts were made to contact the borrower between 07/17/2018 and 07/25/2018. On 07/26/2018, the borrower called stating will bring the account current on 08/03/2018. Multiple attempts were made to contact the borrower between 07/30/2018 and 01/06/2019 with no response. On 01/07/2019, the borrower called in to request assistance and was directed to the website for the correct form. The borrower will be reviewed for a modification, deferral or a 12 month repayment plan. The borrower is trying to make a payment in February and is trying to get approved for disability. Borrower was in a car accident and has been trying to recover. The borrower declined the repayment plan due to not being able to afford the payments and agreed to an escrow account. On 01/15/2019, the borrower was denied for a deferral and repayment plan. Multiple attempts were made to contact the borrower between 01/17/2018 and 02/07/2019. On 02/12/2019, the borrower called in to check on the modification and was provided with the terms of the trial plan. Multiple attempts were made to contact the borrower between 02/25/2019 and 04/30/2019. On 05/01/2019, the borrower was contacted regarding payment and stated will send that day. On 05/13/2019, the executed modification documents were received and the modification was processed on XX/XX/XXXX. On 06/10/2019, the borrower declined to set up ezpay. Attempts to contact the borrower for a welcome call were made on 07/24/2019 and 07/30/2019 with no response. REASON FOR DEFAULT: The reason for default is curtailment of income. 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 evidence of property damage and the nature of the damage is other natural causes. The borrower reported roof damage and flooding on 09/21/2017 due to Hurricane Irma. The borrower noted on 10/05/2017 was completing the repairs. The details of the damage and status of repairs were not provided and there is no evidence of a claim being filed. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary - Property Damage - Other Natural Causes - No evidence of resolution - Property is located in a FEMA disaster area. 9/25/2019
74219535 XXXXX XXXXX         Delinquent   07/31/2019 07/10/2019   Illness - Mortgagor 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/10/2019 Ongoing dialogue with borrower       There is no borrower contact from 08/2017 to 08/2018. On 08/06/2018, 09/18/2018, 09/19/2018, and 09/26/2018 the borrower made a promise to pay. The borrower cited an ability bring the account current, inquired about account status and discussed reason for default due to borrower illness. The borrower was called again on 10/24/2018 in regards to a promise to pay. The borrower informed of having been in the hospital and inquired about a deferment but was informed that a deferment can only be requested once a year and three deferments over the life of the loan. The borrower declined a Repayment Plan with intention to bring the account current and will make two payments on 11/25/2018. On 10/30/2018 the borrower stated the same and was told there were no deferments more available. On 11/09/2018 the borrower was called to discuss payments. On 11/26/2018, 11/27/2018, 12/04/2018, 01/09/2019, 02/01/2019, 03/15/2019, 03/29/2019, 04/12/2019, and 04/16/2019 the borrower was called again to discuss the payments. On 04/16/2019 the borrower discussed deferments again The borrower was called for a promise again on 04/30/2019, 05/09/2019, 05/31/2019 and 06/04/2019. On 06/19/2019, the borrower cited medical bills as the reason for default and informed of having been in and out of the hospital several times during the month. The borrower inquired about the modification package, which was sent out on 06/14/2019. The borrower stated intention to sell the home once the account is current. On 07/10/2019 the borrower made another promise to pay citing illness.   Yes No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Other Modification 06/19/2019 No Non-Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/10/2019. There is no borrower contact from 08/2017 to 08/2018. On 08/06/2018, 09/18/2018, 09/19/2018, and 09/26/2018 the borrower made a promise to pay. The borrower cited an ability bring the account current, inquired about account status and discussed reason for default due to borrower illness. The borrower was called again on 10/24/2018 in regards to a promise to pay. The borrower informed of having been in the hospital and inquired about a deferment but was informed that a deferment can only be requested once a year and three deferments over the life of the loan. The borrower declined a Repayment Plan with intention to bring the account current and will make two payments on 11/25/2018. On 10/30/2018 the borrower stated the same and was told there were no deferments more available. On 11/09/2018 the borrower was called to discuss payments. On 11/26/2018, 11/27/2018, 12/04/2018, 01/09/2019, 02/01/2019, 03/15/2019, 03/29/2019, 04/12/2019, and 04/16/2019 the borrower was called again to discuss the payments. On 04/16/2019 the borrower discussed deferments again The borrower was called for a promise again on 04/30/2019, 05/09/2019, 05/31/2019 and 06/04/2019. On 06/19/2019, the borrower cited medical bills as the reason for default and informed of having been in and out of the hospital several times during the month. The borrower inquired about the modification package, which was sent out on 06/14/2019. The borrower stated intention to sell the home once the account is current. On 07/10/2019 the borrower made another promise to pay citing illness. REASON FOR DEFAULT: The reason for default is illness - mortgagor. 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. ADDITIONAL INFORMATION Hurricane Florence noted with no damage. 3 - Current Status - Delinquent - RFD - Borrower Illness 9/25/2019
73303602 XXXXX XXXXX         Delinquent   07/31/2019 06/13/2019   Illness - Mortgagor 60 1 07/31/2019 Owner Occupied   UTD UTD 06/26/2019 Yes   24           N/A   0         07/30/2019 Ongoing dialogue with borrower       There was no contact prior to 09/14/2017. On 09/14/2017, the borrower inquired about the call they received and was advised that the call was for September's payment. Borrower was advised that the auto-draft payment was returned. Borrower advised that a payment will be made on 09/26/2017. Reason for delinquency was noted as illness of borrower. On 10/02/2017, the borrower noted damage from the hurricane was noted with a foot of flood damage. Reason for delinquency was noted as hurricane Irma. On 10/27/2017, a 1-month deferment was processed. The borrower stated that the home was damaged due to hurricane Irma. On 12/04/2017, the borrower made a payment but the borrower canceled the payment made due to checking being frozen from identity theft. On 03/02/2018, the borrower inquired on account status and was advised of loan being current. On 05/21/2018, a request was made to the borrower for death certificate. Borrower passed away on 05/10/2017 with the spouse already the co-borrower. On 05/22/2018, the borrower requested a 2-month deferment. Borrower stated that they are only receiving SSI after the borrower passed away. On 05/30/2018, the borrower was advised of not qualifying for deferment and discussed repayment plan. On 06/07/2018, the borrower wanted to seeking possible repayment plan. On 06/20/2018, the borrower stated that a payment will be made by 06/28/2018. On 06/29/2018, the borrower stated that a payment was overnighted in the amount of $1,500.00. Borrower also stated that they did not want to continue with repayment plan. On 08/01/2018, the borrower advised of being in a car accident and will pay current this month. On 08/07/2018, the borrower processed a payment. Reason for delinquency was noted as illness of family. On 09/06/2018, the borrower processed a payment in the amount of $739.18. On 09/10/2018, the borrower inquired on the phone call received and was advised of it being for September's payment. Borrower stated that they will make a payment on the 26th and was upset about phone calls being received. On 10/05/2018, the borrower inquired about deferment and advised the borrower that deferment was denied due to hardship not being long-term. Borrower declined further loss mitigation assistance and authorized a payment in the amount of $739.18. On 11/05/2018, the borrower stated that the payment will be made on the 28th of the month and was advised of late charges and grace period. On 11/21/2018, the borrower wanted to know why calls were being received and assumed she was not delinquent. Borrower was advised of due date and requirements of calls set by the investor due to payments being made after the grace period. Borrower was also advised that since the payments are made within the month, the loan is not reported to credit. On XX/XX/XXXX, a 2-month deferment was processed and advanced the next due to XX/XX/XX. On 03/19/2019, the borrower noted death in the family and that was the reason why paying late. Borrower drafted a payment for 03/27/2019. On 04/10/2019, the borrower processed a payment in the amount of $802.83. On 06/11/2019, the borrower noted that payment will be made on the 26th of the month. Borrower noted fridge went out and they had to replace it. Reason for delinquency was noted as illness of principal mortgagor. On 06/13/2019, the borrower inquired on documents and was advised of documents needed to move forward with loss mitigation review. On 06/24/2019, the borrower noted that they received a letter about be affected by identity theft. Borrower also advised that a payment would be made by the end of the month. On 07/05/2019, the borrower had questions of documents and was provided with information and documents needed for loss mitigation review. On 07/17/2019, the borrower stated that the sent the documents yesterday and wanted to see if they were received. Borrower advised that another payment will be made on the 24th of the month. On 07/30/2019, the co-borrower inquired on modification status and status not able to make a payment. There was no further contact with the borrower.   Yes No     Fair Fair Temporary Fair Moderate Reinstatement   No No No No No No No No No Yes Yes No No No No No No No No Yes Other Modification 07/30/2019 No Retention Yes XX/XX/XXXX     XX/XX/XXXX   1 Completed   Deferment         Monthly                   Processed a 2-month deferment on XX/XX/XXXX.                                                                                                                                                                                                                                     05/10/2017 No   Yes 06/08/2018 XXX Co-borrower is borrower's spouse. Retention of property. Yes 10/02/2017       09/13/2017 Comment on 10/02/2017 reflects that there was a foot of flood damage that was caused by the recent hurricane. Hurricane Irma occurred as noted on 09/13/2017. Insurance claim was filed as noted on 10/02/2017. No evidence of damage being repaired and no evidence of repairs started.   Wind No     Not Started   No   Yes Hurricane 09/13/2017 Yes                                                                                 No No   No   No                   Retired No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/30/2019. There was no contact prior to 09/14/2017. On 09/14/2017, the borrower inquired about the call they received and was advised that the call was for September's payment. Borrower was advised that the auto-draft payment was returned. Borrower advised that a payment will be made on 09/26/2017. Reason for delinquency was noted as illness of borrower. On 10/02/2017, the borrower noted damage from the hurricane was noted with a foot of flood damage. Reason for delinquency was noted as hurricane Irma. On 10/27/2017, a 1-month deferment was processed. The borrower stated that the home was damaged due to hurricane Irma. On 12/04/2017, the borrower made a payment but the borrower canceled the payment made due to checking being frozen from identity theft. On 03/02/2018, the borrower inquired on account status and was advised of loan being current. On 05/21/2018, a request was made to the borrower for death certificate. Borrower passed away on 05/10/2017 with the spouse already the co-borrower. On 05/22/2018, the borrower requested a 2-month deferment. Borrower stated that they are only receiving SSI after the borrower passed away. On 05/30/2018, the borrower was advised of not qualifying for deferment and discussed repayment plan. On 06/07/2018, the borrower wanted to seeking possible repayment plan. On 06/20/2018, the borrower stated that a payment will be made by 06/28/2018. On 06/29/2018, the borrower stated that a payment was overnighted in the amount of $1,500.00. Borrower also stated that they did not want to continue with repayment plan. On 08/01/2018, the borrower advised of being in a car accident and will pay current this month. On 08/07/2018, the borrower processed a payment. Reason for delinquency was noted as illness of family. On 09/06/2018, the borrower processed a payment in the amount of $739.18. On 09/10/2018, the borrower inquired on the phone call received and was advised of it being for September's payment. Borrower stated that they will make a payment on the 26th and was upset about phone calls being received. On 10/05/2018, the borrower inquired about deferment and advised the borrower that deferment was denied due to hardship not being long-term. Borrower declined further loss mitigation assistance and authorized a payment in the amount of $739.18. On 11/05/2018, the borrower stated that the payment will be made on the 28th of the month and was advised of late charges and grace period. On 11/21/2018, the borrower wanted to know why calls were being received and assumed she was not delinquent. Borrower was advised of due date and requirements of calls set by the investor due to payments being made after the grace period. Borrower was also advised that since the payments are made within the month, the loan is not reported to credit. On XX/XX/XXXX, a 2-month deferment was processed and advanced the next due to XX/XX/XXXX. On 03/19/2019, the borrower noted death in the family and that was the reason why paying late. Borrower drafted a payment for 03/27/2019. On 04/10/2019, the borrower processed a payment in the amount of $802.83. On 06/11/2019, the borrower noted that payment will be made on the 26th of the month. Borrower noted fridge went out and they had to replace it. Reason for delinquency was noted as illness of principal mortgagor. On 06/13/2019, the borrower inquired on documents and was advised of documents needed to move forward with loss mitigation review. On 06/24/2019, the borrower noted that they received a letter about be affected by identity theft. Borrower also advised that a payment would be made by the end of the month. On 07/05/2019, the borrower had questions of documents and was provided with information and documents needed for loss mitigation review. On 07/17/2019, the borrower stated that the sent the documents yesterday and wanted to see if they were received. Borrower advised that another payment will be made on the 24th of the month. On 07/30/2019, the co-borrower inquired on modification status and status not able to make a payment. There was no further contact with the borrower. Borrower is deceased and ---. The date of death is 05/10/2017. REASON FOR DEFAULT: The reason for default is illness - mortgagor. 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. Processed a 2-month deferment 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 evidence of property damage and the nature of the damage is wind. Comment on 10/02/2017 reflects that there was a foot of flood damage that was caused by the recent hurricane. Hurricane Irma occurred as noted on 09/13/2017. Insurance claim was filed as noted on 10/02/2017. No evidence of damage being repaired and no evidence of repairs started. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Delinquent - Deceased Borrower(s) - No Death Certificate Received - Deceased Borrower(s) - Trustee/Heir(s) identified and documented - Delinquency Prognosis - Temporary - Property is located in a FEMA disaster area. - RFD - Borrower Illness - There is evidence of property damage. 9/25/2019
76055799 XXXXX XXXXX         Delinquent   07/31/2019 07/29/2019   Curtailment of Income 120+ 1 08/06/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/23/2019 Ongoing dialogue with borrower       There was no contact for 08/2017. On 09/05/2017 the borrower called and was advised that a letter of authorization is required from attorney due to bankruptcy. There was no borrower contact for 10/2017. Contact made for 11/2017 resulted in the borrower and 3rd party agent calling to discuss Homeowner's Insurance. From 12/2017 through 04/2019 there was no borrower contact. However several attempts were made to contact the borrower's attorney for intentions. On 05/20/2019 the borrower called and stated that she was facing a financial hardship and expressed interest in a modification. The borrower was advised to submit a Letter of Authorization from her attorney for further discussions. There was no contact for 06/2019. On 07/10/2019 the borrower called but was advised that the bankruptcy was still active and a Letter of Authorization is still needed. On 07/17/2019 the document was received and deemed completed. On 07/23/2019 the borrower called but was advised that her Account Mangers was no in the office. The borrower stated that she would call back later.   No No     Fair Poor - Intervention Required UTD Poor Strong Reinstatement   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 05/20/2019 No Retention No                                                                                                                                                                                               1 Stay Lifted 06/26/2019 Chapter 13 XXX XX/XX/XXXX         No             No       Yes XX/XX/XXXX 06/11/2019 No   Relief was granted on XX/XX/XXXX.                                                                                                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/23/2019. There was no contact for 08/2017. On 09/05/2017 the borrower called and was advised that a letter of authorization is required from attorney due to bankruptcy. There was no borrower contact for 10/2017. Contact made for 11/2017 resulted in the borrower and 3rd party agent calling to discuss Homeowner's Insurance. From 12/2017 through 04/2019 there was no borrower contact. However several attempts were made to contact the borrower's attorney for intentions. On 05/20/2019 the borrower called and stated that she was facing a financial hardship and expressed interest in a modification. The borrower was advised to submit a Letter of Authorization from her attorney for further discussions. There was no contact for 06/2019. On 07/10/2019 the borrower called but was advised that the bankruptcy was still active and a Letter of Authorization is still needed. On 07/17/2019 the document was received and deemed completed. On 07/23/2019 the borrower called but was advised that her Account Mangers was no in the office. The borrower stated that she would call back later. REASON FOR DEFAULT: The reason for default is curtailment of income. 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 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is stay lifted. A motion for relief was filed XX/XX/XXXX. Relief was granted on XX/XX/XXXX. 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. 3 - Ability to Repay - Poor - Intervention Required - Current Status - Delinquent 9/25/2019
72003923 XXXXX XXXXX         Bankruptcy   07/31/2019     UTD Bankruptcy 1 07/26/2019 Non-Owner Occupied   UTD UTD   Yes   24           N/A   0         05/17/2019 Not attempting to contact the borrower       There were no attempts to contact the borrower from 8/1/17 through 2/12/19. On 2/13/19 Borrower called in to get assistance with correcting account. 2/20/19 Borrower called about payments that were made and was advised the payments were made to previous servicer and would need to contact them. On 5/17/19 the borrower called in and wanted to know how far behind the loan was in order to make a payment to catch up. Advised would receive a call back. There were no other conversations with the borrower after 5/17/19.   Yes Yes Verbal Yes Fair Poor - Intervention Required UTD Poor Strong Reinstatement   No No No No Yes No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                               1 Active 07/24/2019 Chapter 11             No             No       No     No XX/XX/XXXX Previous Chapter 11 Case XXX terminated on XX/XX/XXXX.                                                                                                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/17/2019. There were no attempts to contact the borrower from 8/1/17 through 2/12/19. On 2/13/19 Borrower called in to get assistance with correcting account. 2/20/19 Borrower called about payments that were made and was advised the payments were made to previous servicer and would need to contact them. On 5/17/19 the borrower called in and wanted to know how far behind the loan was in order to make a payment to catch up. Advised would receive a call back. There were no other conversations with the borrower after 5/17/19. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter 11. The bankruptcy case number is not available. The most recent bankruptcy status is active. Previous Chapter 11 Case XXX terminated on XX/XX/XXXX. 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 non-owner occupied. ADDITIONAL INFORMATION FEMA Declared disaster 9/13/17 for Hurricane Irma. 3 - Ability to Repay - Poor - Intervention Required - Ability to Repay - Poor - Intervention Required - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Current Status - Bankruptcy - Occupancy - Non Owner Occupied 9/25/2019
74028406 XXXXX XXXXX         Delinquent   07/31/2019 07/16/2019   Curtailment of Income 60 1 07/18/2019 Owner Occupied   UTD UTD 07/09/2019 Yes   24           N/A   0         07/16/2019 Ongoing dialogue with borrower       There was no contact prior to 08/21/2017. On 08/21/2017 and 08/25/2017 the borrower called to verify receipt of the XXX payment from the prior servicer; and the agent advised it had not arrived. On 09/11/2017, the account status was discussed. There were no contact attempts nor contact between 09/12/2017 and 07/08/2018 as XXX were being been posted to the account until 05/14/2018. On 07/10/2018, the customer called to discuss the last payment and account status. On 08/23/2018, the borrower promised a payment. On 08/25/2018, the agent offered the deferment option as the loan transferred and is due for 2 months. There was no response to contact attempts between 08/26/2018 - 09/30/2018. On 10/01/2018, the homeowner requested a two-month deferment since has a change in income due to working less hours. A payment was scheduled for $603.32. A two-month deferment was processed on XX/XX/XXXX for the months of September and October. On 10/05/2018, the borrower was informed that the deferment was approved; and the loan is not due until November. The caller requested an automatic draft form and was provided a fax number for its return. There was no response to contact attempts between 10/06/2018 - 04/23/2019. On 04/24/2019, the customer stated that work is slow and scheduled a payment for $656.01 for 04/30/2019. There was no response to contact attempts between 05/01/2019 - 06/26/2019. On 06/27/2019, the homeowner discussed assistance options and was informed that the loan does not qualify for a deferment at this time. The borrower agreed to schedule a payment for the month of May; but the line was disconnected while the agent was verifying information. On 06/28/2019, the customer confirmed that the hardship was due to unemployment; but stated that the household income is $2,600.00. The agent submitted a request for a repayment plan. A six-month repayment plan was approved on 07/10/2019 with a down payment of $656.01 required by 07/06/2019 which was paid. The plan is for payments of $800.03 starting on 08/01/2019. On 07/16/2019, the borrower was informed that the repayment plan was approved and discussed the plan. The hardship was cited as loss of income and employment; but the customer can pay. Owner occupancy was verified. There was no additional contact.   Yes No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 07/16/2019 No Retention Yes XX/XX/XXXX         1 Completed   Deferment                                                                                                                                                                                                                                                                                                                                                                                                         No No   No   Yes Active 08/01/2019 02/01/2020 $656.01 ########## $800.03 6     Not Employed No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/16/2019. There was no contact prior to 08/21/2017. On 08/21/2017 and 08/25/2017 the borrower called to verify receipt of the XXX payment from the prior servicer; and the agent advised it had not arrived. On 09/11/2017, the account status was discussed. There were no contact attempts nor contact between 09/12/2017 and 07/08/2018 as XXX were being been posted to the account until 05/14/2018. On 07/10/2018, the customer called to discuss the last payment and account status. On 08/23/2018, the borrower promised a payment. On 08/25/2018, the agent offered the deferment option as the loan transferred and is due for 2 months. There was no response to contact attempts between 08/26/2018 - 09/30/2018. On 10/01/2018, the homeowner requested a two-month deferment since has a change in income due to working less hours. A payment was scheduled for $603.32. A two-month deferment was processed on XX/XX/XXXX for the months of September and October. On 10/05/2018, the borrower was informed that the deferment was approved; and the loan is not due until November. The caller requested an automatic draft form and was provided a fax number for its return. There was no response to contact attempts between 10/06/2018 - 04/23/2019. On 04/24/2019, the customer stated that work is slow and scheduled a payment for $656.01 for 04/30/2019. There was no response to contact attempts between 05/01/2019 - 06/26/2019. On 06/27/2019, the homeowner discussed assistance options and was informed that the loan does not qualify for a deferment at this time. The borrower agreed to schedule a payment for the month of May; but the line was disconnected while the agent was verifying information. On 06/28/2019, the customer confirmed that the hardship was due to unemployment; but stated that the household income is $2,600.00. The agent submitted a request for a repayment plan. A six-month repayment plan was approved on 07/10/2019 with a down payment of $656.01 required by 07/06/2019 which was paid. The plan is for payments of $800.03 starting on 08/01/2019. On 07/16/2019, the borrower was informed that the repayment plan was approved and discussed the plan. The hardship was cited as loss of income and employment; but the customer can pay. Owner occupancy was verified. There was no additional contact. REASON FOR DEFAULT: The reason for default is curtailment of income. 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. 3 - Current Status - Delinquent 9/25/2019
76004812 XXXXX XXXXX         Delinquent   07/31/2019     UTD 60 1 07/31/2019 Owner Occupied   UTD UTD   Incomplete   14 11 08/01/2017 06/10/2018     N/A   0         06/21/2019 Contact attempts - however unable to contact borrower       There was no contact from 08/01/2017 to 06/10/2018. On 06/11/2018 the borrower was contacted to discuss payment arrangements. On 09/28/2018 the borrower called in to discuss their escrow account. On 10/07/2018 the borrower called in to discuss their statements. On 11/20/2018 the borrower called in to discuss their escrow account. On 01/15/2019 the borrower called in to make payment arrangements. On 06/04/2019 the borrower called in discuss a deferment. There was no further contact with the borrower.   Yes No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Other Modification 06/04/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/21/2019. There was no contact from 08/01/2017 to 06/10/2018. On 06/11/2018 the borrower was contacted to discuss payment arrangements. On 09/28/2018 the borrower called in to discuss their escrow account. On 10/07/2018 the borrower called in to discuss their statements. On 11/20/2018 the borrower called in to discuss their escrow account. On 01/15/2019 the borrower called in to make payment arrangements. On 06/04/2019 the borrower called in discuss a deferment. There was no further contact with the borrower. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. 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. 3 - Collection Comments - Incomplete -; Missing 08/01/2017 - 06/10/2018 - Current Status - Delinquent - Currently Delinquent Mortgage 9/25/2019
79857958 XXXXX XXXXX         Bankruptcy   07/31/2019     Unable to Contact Borrower Bankruptcy 1 07/26/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/25/2019 Ongoing dialogue with borrower       There was no contact prior to 12/20/2017. The borrower called on 12/20/2017 to try to cancel scheduled payment. The borrower called on 01/29/2019 to post a payment. The borrower called on 02/26/2018 with questions of the 1098. The borrower called on 03/28/2018 to make a payment an inquired about sending additional funds to be held in suspense. The borrower called on 04/30/2018, 05/31/2018, 06/28/2018 and 07/26/2018 to make a payment. On 08/07/2018 the borrower called wanted to know what payments are being applied towards. Advised will need to discuss with bankruptcy department to better assist. On 08/27/2018 the borrower called to make a payment advised needs to speak with bankruptcy call transferred. On 10/19/2018 the borrower called to confirm the amount is due call transferred to bankruptcy. On 11/29/2018 called the borrower advised created a a ledger and it does confirm account due for 05/01/2018. On 12/28/2018 the borrower called into make a payment. On 02/25/2019 the borrower called into make a payment. On 03/21/2019 the borrower called into make a payment. On 04/23/2019 the borrower called to make a payment. On 05/30/2019 the borrower called to make a payment. On 06/17/2019 Borrower called to find out why we are showing the loan behind. Did ledger and loan is due for 12/1/18. Advised will send ledger to to the attorney to review the payments first and then if need be to send in correspondence to the Bankruptcy. email address. On 07/25/2019 The borrower called advised amount due bankruptcy department closed borrower will call back tomorrow. There was no further contact the remainder of the review period. Loan in Active Bankruptcy.   Somewhat No     Fair Fair UTD Fair Strong Reinstatement   No No No No Yes No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                               1 Active   Chapter 13 XXX           No             No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/25/2019. There was no contact prior to 12/20/2017. The borrower called on 12/20/2017 to try to cancel scheduled payment. The borrower called on 01/29/2019 to post a payment. The borrower called on 02/26/2018 with questions of the 1098. The borrower called on 03/28/2018 to make a payment an inquired about sending additional funds to be held in suspense. The borrower called on 04/30/2018, 05/31/2018, 06/28/2018 and 07/26/2018 to make a payment. On 08/07/2018 the borrower called wanted to know what payments are being applied towards. Advised will need to discuss with bankruptcy department to better assist. On 08/27/2018 the borrower called to make a payment advised needs to speak with bankruptcy call transferred. On 10/19/2018 the borrower called to confirm the amount is due call transferred to bankruptcy. On 11/29/2018 called the borrower advised created a a ledger and it does confirm account due for 05/01/2018. On 12/28/2018 the borrower called into make a payment. On 02/25/2019 the borrower called into make a payment. On 03/21/2019 the borrower called into make a payment. On 04/23/2019 the borrower called to make a payment. On 05/30/2019 the borrower called to make a payment. On 06/17/2019 Borrower called to find out why we are showing the loan behind. Did ledger and loan is due for 12/1/18. Advised will send ledger to to the attorney to review the payments first and then if need be to send in correspondence to the Bankruptcy. email address. On 07/25/2019 The borrower called advised amount due bankruptcy department closed borrower will call back tomorrow. There was no further contact the remainder of the review period. Loan in Active Bankruptcy. REASON FOR DEFAULT: The reason for default is unknown because the servicer has been unable to contact borrower. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter 13. The bankruptcy was filed under case number XXX. 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. 3 - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Current Status - Bankruptcy 9/25/2019
76451983 XXXXX XXXXX         Delinquent   07/31/2019 07/30/2019   Death of Family Member 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/30/2019 Ongoing dialogue with borrower       There was no contact with the borrower from 08/01/2017 to 08/05/2017. A written credit reporting dispute was placed and resolved on 08/06/2017. Despite several contact attempts from the servicer, there was no contact with the borrower from 08/07/2017 to 10/09/2017. A written credit reporting dispute was placed and resolved on 10/10/2017. Despite several contact attempts from the servicer, there was no contact with the borrower from 10/11/2017 to 09/05/2018. On 09/06/2018, the borrower advised that there were 2 payments set up for 10/01/2018. The borrower cited death in the family as the reason for default. There were 5 attempts from the servicer and no contact with the borrower from 09/07/2018 to 10/31/2018. On 11/01/2018, the borrower requested a 3-month payment deferment and stated that the hardship is over and the borrower will be able to keep up payments going forward. Despite several contact attempts from the servicer, there was no contact with the borrower from 11/02/2018 to 04/03/2019. On 04/04/2019, the borrower asked for modification information and cited death in the family as the reason for default. On 04/25/2019, the borrower scheduled 2 payments for 04/30/2019. Despite several contact attempts from the servicer, there was no contact with the borrower from 04/26/2019 to 07/29/2019. On 07/30/2019, the borrower made 2 payments and scheduled 2 payments for Friday to bring the loan current. The borrower promised to pay the late fees next week. The borrower again cited death in the family as the reason for default.   Somewhat Yes Written Yes Fair Fair Temporary Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Other Modification 04/04/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/30/2019. There was no contact with the borrower from 08/01/2017 to 08/05/2017. A written credit reporting dispute was placed and resolved on 08/06/2017. Despite several contact attempts from the servicer, there was no contact with the borrower from 08/07/2017 to 10/09/2017. A written credit reporting dispute was placed and resolved on 10/10/2017. Despite several contact attempts from the servicer, there was no contact with the borrower from 10/11/2017 to 09/05/2018. On 09/06/2018, the borrower advised that there were 2 payments set up for 10/01/2018. The borrower cited death in the family as the reason for default. There were 5 attempts from the servicer and no contact with the borrower from 09/07/2018 to 10/31/2018. On 11/01/2018, the borrower requested a 3-month payment deferment and stated that the hardship is over and the borrower will be able to keep up payments going forward. Despite several contact attempts from the servicer, there was no contact with the borrower from 11/02/2018 to 04/03/2019. On 04/04/2019, the borrower asked for modification information and cited death in the family as the reason for default. On 04/25/2019, the borrower scheduled 2 payments for 04/30/2019. Despite several contact attempts from the servicer, there was no contact with the borrower from 04/26/2019 to 07/29/2019. On 07/30/2019, the borrower made 2 payments and scheduled 2 payments for Friday to bring the loan current. The borrower promised to pay the late fees next week. The borrower again cited death in the family as the reason for default. REASON FOR DEFAULT: The reason for default is death of family member. 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. 3 - Current Status - Delinquent - Currently Delinquent Mortgage - Delinquency Prognosis - Temporary 9/25/2019
73330851 XXXXX XXXXX         Delinquent   07/31/2019     UTD 120+ 1 07/29/2019 Owner Occupied   UTD UTD   Incomplete   12 13 08/01/2017 08/30/2018     N/A   0         07/09/2019 Ongoing dialogue with borrower       There was no contact with the customer from the start of the review until 10/01/18. On 10/01/18 the customer called in to make a $300.00 payment. On 05/21/19 the customer confirmed their monthly payments and request to begin making payments. 07/09/19 the homeowner called in regarding the dismissed bankruptcy and confided general account information. The rep advised on a possible modification, however, customer wanted to discuss with their spouse. The account remains delinquent.   Somewhat No     Poor Poor - Intervention Required UTD Poor Strong Modification   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 07/09/2019 No Retention No                                                                                                                                                                                               1 Dismissed   Chapter 13 XXX XX/XX/XXXX         No   XX/XX/XXXX         No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/09/2019. There was no contact with the customer from the start of the review until 10/01/18. On 10/01/18 the customer called in to make a $300.00 payment. On 05/21/19 the customer confirmed their monthly payments and request to begin making payments. 07/09/19 the homeowner called in regarding the dismissed bankruptcy and confided general account information. The rep advised on a possible modification, however, customer wanted to discuss with their spouse. The account remains delinquent. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. 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 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX. 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. 3 - Ability to Repay - Poor - Intervention Required - Collection Comments - Incomplete -; Missing 08/01/2017 - 08/30/2018 - Current Status - Delinquent 9/25/2019
76878684 XXXXX XXXXX         Bankruptcy   07/31/2019 07/25/2019   Unemployment Bankruptcy 1 08/08/2019 Owner Occupied   UTD UTD 07/16/2019 Incomplete   21 4 08/01/2017 11/19/2017     N/A   0         07/25/2019 Ongoing dialogue with borrower       There was no contact made from 08/01/17-08/28/18. 08/29/18 the customer confirmed their payment would be late and their XXX insurance was received. On 10/26/18 the homeowner made a payment on the account. 10/31/18 the customer inquired about property preservation questions. On 11/09/18 the borrower was informed on the payment due for 09/01/18. 11/24/18 the customer discussed the trial documents.11/28/18 the customer confirmed mod docs were received and would be sent back in. 11/30/18 the customer was informed on the foreclosure activity on the delinquent account. 12/12/18 the customer confirmed documents were received for review and confirmed payment to be made on 12/14. On 12/13/18 the servicer confirmed the customers suspense funds on account. On 12/14/18, the homeowner called for assistance and discussed good faith payment and advised they may be short. 12/19/18 the borrower made first installment payment of $1817.69. 01/15/19 customer confirmed plan was filed 01/11. 01/17/19 the borrower called in regarding information about their suspense and confirmed information regarding their trial plan. 01/19/19 the customer called to follow up on their amount paid towards their plan and arrears that was included in the fees. On 01/21/19 the customer called to speak with their account manager regarding modifying their bankruptcy plan. 02/01/19 the borrower called to confirm plan was broken and was awaiting funds to revert back to suspense. 02/11/19 the customer called to confirmed suspense monies credited on the account. On 02/20/19, the borrower called in to confirm information along with jurisdiction rules and defaulted BK trial plan. 03/12/19 the borrower called in to set up a auto draft payment and discussed re-applying for assistance if circumstances changed. On 05/15/19 the homeowner called in a payment of $3577.60. On 06/26/19 the customer called to discuss the account status and confirmed their post payment due date. On 07/12/19 the customer called in discussed loss mitigation but stated would call back due to being out of town. 07/24/19 the borrower called in to discuss their default letter. 07/25/2019 the customer called in regarding a default letter and requested to cancel the payment scheduled for 07/31/19. The account remains in Bankruptcy.   Somewhat No     Poor Poor - Intervention Required UTD Poor Strong Modification   No No No No Yes No No No No No No No No No No No No No No Yes Forbearance/Workout 07/12/2018 No Retention No                                                                                                                                                                                               1 Active   Chapter 13 XXX XX/XX/XXXX       Chapter 13 No             No       No     No                                                                                                                                                                           No No   No   No                   Not Employed No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: There was no contact made from 08/01/17-08/28/18. 08/29/18 the customer confirmed their payment would be late and their XXX insurance was received. On 10/26/18 the homeowner made a payment on the account. 10/31/18 the customer inquired about property preservation questions. On 11/09/18 the borrower was informed on the payment due for 09/01/18. 11/24/18 the customer discussed the trial documents.11/28/18 the customer confirmed mod docs were received and would be sent back in. 11/30/18 the customer was informed on the foreclosure activity on the delinquent account. 12/12/18 the customer confirmed documents were received for review and confirmed payment to be made on 12/14. On 12/13/18 the servicer confirmed the customers suspense funds on account. On 12/14/18, the homeowner called for assistance and discussed good faith payment and advised they may be short. 12/19/18 the borrower made first installment payment of $1817.69. 01/15/19 customer confirmed plan was filed 01/11. 01/17/19 the borrower called in regarding information about their suspense and confirmed information regarding their trial plan. 01/19/19 the customer called to follow up on their amount paid towards their plan and arrears that was included in the fees. On 01/21/19 the customer called to speak with their account manager regarding modifying their bankruptcy plan. 02/01/19 the borrower called to confirm plan was broken and was awaiting funds to revert back to suspense. 02/11/19 the customer called to confirmed suspense monies credited on the account. On 02/20/19, the borrower called in to confirm information along with jurisdiction rules and defaulted BK trial plan. 03/12/19 the borrower called in to set up a auto draft payment and discussed re-applying for assistance if circumstances changed. On 05/15/19 the homeowner called in a payment of $3577.60. On 06/26/19 the customer called to discuss the account status and confirmed their post payment due date. On 07/12/19 the customer called in discussed loss mitigation but stated would call back due to being out of town. 07/24/19 the borrower called in to discuss their default letter. 07/25/2019 the customer called in regarding a default letter and requested to cancel the payment scheduled for 07/31/19. The account remains in Bankruptcy. REASON FOR DEFAULT: The reason for default is unemployment. 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 13. The bankruptcy was filed under case number XXX. 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. 3 - Ability to Repay - Poor - Intervention Required - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Collection Comments - Incomplete -; Missing 08/01/2017 - 11/19/2017 - Current Status - Bankruptcy 9/25/2019
76257359 XXXXX XXXXX         Delinquent   07/31/2019 01/29/2019   Excessive Obligations 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         04/02/2019 Ongoing dialogue with borrower       No contact was noted from 08/01/2017 until 08/30/2017 when the borrower called to make a payment. On 09/08/2017 the borrower wants to change the payment arrangement. Evacuating for Hurricane Irma. On 11/03/2017 the borrower was advised that a minimum of 4 payments would be required. Borrower called to make 4 payments on 11/21/2017. On 11/30/2017 the borrower was advised they are due for October. On 01/22/2018 the borrower was not interested in loss mitigation and wants to make 2 payments in February. Advised 3 payments will be due then. On 02/21/2018 the borrower called to cancel a payment. On 02/21/2018 teh borrower stated waiting on funds and will be able to make 3 payments. Advised 4 would be due. Borrower stated on 03/06/2018, they will call back to discuss a payment arrangements. On 03/21/2018 and 03/26/2018 went over the repayment terms. On 03/28/2018, 04/06/2018, and 05/04/2018 they scheduled a payment. On 05/11/2018 the borrower was called but already had a payment scheduled. On 06/13/2019 the borrower scheduled a payment but it was returned 06/22/2018. Borrower called on 06/22/2018 to make a payment. Borrower attempted to speak to the contact on 06/27/2018. On 06/28/2018 the borrower advised of issues with their hot water heater. Payment was cancelled. On 06/28/2018 the borrower reset the payment stating they would find another way to fix the hot water heater. On 07/18/2018 the borrower called to schedule the July payment for 07/28/2018. No contact was noted from 08/01/2018 through 08/23/2018. On 08/24/2018 the borrower stated they will not be able to make the August payment for RPP and didn't want RPP cancelled. Apologized and advised unfortunately the RPP will cancel automatically if no payment is received within the month of August. Explained they can request to be reviewed for another RPP if plan is cancelled. On 08/27/2019, 09/21/2019, 10/26/2017, 12/27/2018 and 01/29/2019 the borrower called to make payment. On 02/04/2019 the borrower called about a returned payment. On 02/26/2019 the borrower made a payment. On 03/05/2019 the borrower was approved for a 2 month deferment. On 04/02/2019 the borrower scheduled a payment. From 05/03/2019 through 07/31/2019 there were contact attempts but no further contact was noted.   No Yes Written Yes Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No Yes No No No No No No No No Yes Other Modification 03/05/2019 No Retention Yes           1 Completed   deferment                                                                                                                                                                                                                                                                                 No         03/04/2019 Broken pipes and a leaky roof were reported.No indication the repairs were completed.   Other Natural Causes       Not Started   No         Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 04/02/2019. No contact was noted from 08/01/2017 until 08/30/2017 when the borrower called to make a payment. On 09/08/2017 the borrower wants to change the payment arrangement. Evacuating for Hurricane Irma. On 11/03/2017 the borrower was advised that a minimum of 4 payments would be required. Borrower called to make 4 payments on 11/21/2017. On 11/30/2017 the borrower was advised they are due for October. On 01/22/2018 the borrower was not interested in loss mitigation and wants to make 2 payments in February. Advised 3 payments will be due then. On 02/21/2018 the borrower called to cancel a payment. On 02/21/2018 teh borrower stated waiting on funds and will be able to make 3 payments. Advised 4 would be due. Borrower stated on 03/06/2018, they will call back to discuss a payment arrangements. On 03/21/2018 and 03/26/2018 went over the repayment terms. On 03/28/2018, 04/06/2018, and 05/04/2018 they scheduled a payment. On 05/11/2018 the borrower was called but already had a payment scheduled. On 06/13/2019 the borrower scheduled a payment but it was returned 06/22/2018. Borrower called on 06/22/2018 to make a payment. Borrower attempted to speak to the contact on 06/27/2018. On 06/28/2018 the borrower advised of issues with their hot water heater. Payment was cancelled. On 06/28/2018 the borrower reset the payment stating they would find another way to fix the hot water heater. On 07/18/2018 the borrower called to schedule the July payment for 07/28/2018. No contact was noted from 08/01/2018 through 08/23/2018. On 08/24/2018 the borrower stated they will not be able to make the August payment for RPP and didn't want RPP cancelled. Apologized and advised unfortunately the RPP will cancel automatically if no payment is received within the month of August. Explained they can request to be reviewed for another RPP if plan is cancelled. On 08/27/2019, 09/21/2019, 10/26/2017, 12/27/2018 and 01/29/2019 the borrower called to make payment. On 02/04/2019 the borrower called about a returned payment. On 02/26/2019 the borrower made a payment. On 03/05/2019 the borrower was approved for a 2 month deferment. On 04/02/2019 the borrower scheduled a payment. From 05/03/2019 through 07/31/2019 there were contact attempts but no further contact was noted. REASON FOR DEFAULT: The reason for default is excessive obligations. 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 evidence of property damage and the nature of the damage is other natural causes. Broken pipes and a leaky roof were reported.No indication the repairs were completed. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Delinquent - Property Damage - Other Natural Causes - No evidence of resolution 9/25/2019
75123891 XXXXX XXXXX         Delinquent   07/31/2019 06/05/2019   Curtailment of Income 60 1 07/31/2019 Owner Occupied   UTD UTD   Incomplete   24 3 08/01/2017 10/19/2017     N/A   0         07/31/2019 Ongoing dialogue with borrower       No contact prior to 01/02/2018 all attempts were unsuccessful. On 01/02/2018 Borrower inquired on how to make payment on escrow shortage. On 04/18/2018 Borrower returned servicer's call. The servicer advised the borrower still due for the 03/01/2018 payment. Borrower advised will have the payment in by tomorrow. On 10/03/2018 Borrower advised she is disputing information on her account. Servicer advised borrower of the fax number. On 10/23/2018 Borrower called advised needed assistance to bring the loan current. She stated her husbands medical condition has caused them to fall behind. On 03/01/2019 Borrower called to get instructions on how to view the 1098 online. On 03/08/2019 Borrower called regarding water damage with a claim check. On 04/29/2019 Authorized 3rd party called regarding status of the inspection. Servicer advised only 33%. On 05/07/2019 servicer advised the borrower although she is on ACH the account is 1 payment behind and the payment was returned NSF. On 05/15/2019 Authorized 3rd party called regarding the status of the claim. On 05/23/2019 co borrower called to change the bank information on the scheduled payment for 05/24/2019. On 07/03/2019 Authorized 3rd party called in to see if a form of payment was issued. Servicer advised mailed check in amount of $8407.71 via regular mail and advised they need another inspection. On 07/31/2019 Authorized 3rd party adjuster called regarding $5000.00 that was not received he stated they had a previous claim they did not complete repairs on prior payment of $5000.00 was subtracted from the claim.   Yes Yes Written Yes Fair Poor - Intervention Required UTD Fair Strong Reinstatement   No No No No No No No No No No Yes No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                   Yes       $16,272.99 01/31/2019 03/20/2019 Claim Check Deposited deposited claim check in amount of $16,272.99 for water damage. Date of loss 01/31/2019. As of the end of comments claim is still active and repairs are still being made.   Water Yes     In Process   No   No     UTD                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/31/2019. No contact prior to 01/02/2018 all attempts were unsuccessful. On 01/02/2018 Borrower inquired on how to make payment on escrow shortage. On 04/18/2018 Borrower returned servicer's call. The servicer advised the borrower still due for the 03/01/2018 payment. Borrower advised will have the payment in by tomorrow. On 10/03/2018 Borrower advised she is disputing information on her account. Servicer advised borrower of the fax number. On 10/23/2018 Borrower called advised needed assistance to bring the loan current. She stated her husbands medical condition has caused them to fall behind. On 03/01/2019 Borrower called to get instructions on how to view the 1098 online. On 03/08/2019 Borrower called regarding water damage with a claim check. On 04/29/2019 Authorized 3rd party called regarding status of the inspection. Servicer advised only 33%. On 05/07/2019 servicer advised the borrower although she is on ACH the account is 1 payment behind and the payment was returned NSF. On 05/15/2019 Authorized 3rd party called regarding the status of the claim. On 05/23/2019 co borrower called to change the bank information on the scheduled payment for 05/24/2019. On 07/03/2019 Authorized 3rd party called in to see if a form of payment was issued. Servicer advised mailed check in amount of $8407.71 via regular mail and advised they need another inspection. On 07/31/2019 Authorized 3rd party adjuster called regarding $5000.00 that was not received he stated they had a previous claim they did not complete repairs on prior payment of $5000.00 was subtracted from the claim. REASON FOR DEFAULT: The reason for default is curtailment of income. 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 evidence of property damage and the nature of the damage is water. 03/20/2019 Claim Check Deposited deposited claim check in amount of $16,272.99 for water damage. Date of loss 01/31/2019. As of the end of comments claim is still active and repairs are still being made. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied. 3 - Ability to Repay - Poor - Intervention Required - Collection Comments - Incomplete -; Missing 08/01/2017 - 10/19/2017 - Current Status - Delinquent - There is evidence of property damage. 9/25/2019
71072387 XXXXX XXXXX XXXXX       Bankruptcy   07/31/2019     UTD Bankruptcy 1 08/10/2019 Owner Occupied   UTD UTD   Incomplete   13 8 11/17/2017 06/25/2018 08/01/2017 11/06/2017 N/A   0         08/02/2019 Ongoing dialogue with borrower       There was no contact prior to 11/16/2017. On 11/16/2017, the borrower wanted to setup a pay by phone. The next contact was on 07/24/2018 when the borrower informed that someone pulled up into the driveway stating to call the mortgage company, but was advised that a letter of authorization was needed from the attorney to discuss the account. On 08/11/2018 the borrower called scheduled a payment. On 08/29/2018 the borrower called canceled a payment and setup payment. On 10/25/2018 The borrower called to make a payment. On 11/01/2108 The borrower called to make a payment. On 02/27/2019 The borrower called to make a payment. on 03/30/2019 The borrower called one time draft. On 04/04/2019 The borrower called to make a payment but did not want to provide account and routing number. On 04/12/2019 The borrower called to make a payment. On 05/03/2019 The borrower called to make a payment. On 06/14/2019 The borrower called to make a payment. On 07/01/2019 The borrower called to make a payment. On 07/09/2019 The borrower called to schedule a payment. On 08/02/2019 The borrower called to make a payment. There was no further contact with the borrower during the review period. Loan in active bankruptcy.   Somewhat No     Fair Fair UTD Fair Moderate Reinstatement   No No No No Yes No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                               1 Active   Chapter 13 XXX XX/XX/XXXX         No             No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 08/02/2019. There was no contact prior to 11/16/2017. On 11/16/2017, the borrower wanted to setup a pay by phone. The next contact was on 07/24/2018 when the borrower informed that someone pulled up into the driveway stating to call the mortgage company, but was advised that a letter of authorization was needed from the attorney to discuss the account. On 08/11/2018 the borrower called scheduled a payment. On 08/29/2018 the borrower called canceled a payment and setup payment. On 10/25/2018 The borrower called to make a payment. On 11/01/2108 The borrower called to make a payment. On 02/27/2019 The borrower called to make a payment. on 03/30/2019 The borrower called one time draft. On 04/04/2019 The borrower called to make a payment but did not want to provide account and routing number. On 04/12/2019 The borrower called to make a payment. On 05/03/2019 The borrower called to make a payment. On 06/14/2019 The borrower called to make a payment. On 07/01/2019 The borrower called to make a payment. On 07/09/2019 The borrower called to schedule a payment. On 08/02/2019 The borrower called to make a payment. There was no further contact with the borrower during the review period. Loan in active bankruptcy. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. 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 13. The bankruptcy was filed under case number XXX. 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. 3 - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Collection Comments - Incomplete -; Missing 11/17/2017 - 06/25/2018, 08/01/2017 - 11/06/2017 - Current Status - Bankruptcy 9/25/2019
71579398 XXXXX XXXXX         Bankruptcy   07/31/2019     UTD Bankruptcy 1 07/30/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         03/01/2019 Not attempting to contact the borrower       The loan was referred to legal counsel outside of the review period. From 08/2017 through 11/2017 there was no borrower contact. On 12/28/2017 the borrower was advised of the foreclosure status and was referred to go online for loss mitigation package. On 01/11/2018 the borrower called and gave permission to with with his wife. The wife was instructed to follow up in a week for status of the loss mitigation review. Additional contact from 01/2018 through 02/2018 resulted in the collection of modification documents On 02/21/2018 loss mitigation was denied. There was no contact from 3/2018 through 04/2018. On 05/23/2018 the borrower was advised of denial and stated that the would be consulting with a bankruptcy attorney. On 05/30/2018 a cease and desist was received. Contact made from 02/2019 through 03/2019 resulted in the borrower calling in to inquire on a modification. The borrower was advised of the initial documents needed and where to submit the documents. There was no contact after 03/01/2019.   No No     Poor Poor - Intervention Required UTD Poor Strong Reinstatement   No No No No Yes No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                               1 Active   Chapter 13 XXX XX/XX/XXXX         No             Yes XX/XX/XXXX     No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 03/01/2019. The loan was referred to legal counsel outside of the review period. From 08/2017 through 11/2017 there was no borrower contact. On 12/28/2017 the borrower was advised of the foreclosure status and was referred to go online for loss mitigation package. On 01/11/2018 the borrower called and gave permission to with with his wife. The wife was instructed to follow up in a week for status of the loss mitigation review. Additional contact from 01/2018 through 02/2018 resulted in the collection of modification documents On 02/21/2018 loss mitigation was denied. There was no contact from 3/2018 through 04/2018. On 05/23/2018 the borrower was advised of denial and stated that the would be consulting with a bankruptcy attorney. On 05/30/2018 a cease and desist was received. Contact made from 02/2019 through 03/2019 resulted in the borrower calling in to inquire on a modification. The borrower was advised of the initial documents needed and where to submit the documents. There was no contact after 03/01/2019. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. 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 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX. 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. 3 - Ability to Repay - Poor - Intervention Required - Bankruptcy - Bk Filed - No evidence MFR filed - Current Status - Bankruptcy 9/25/2019
73783349 XXXXX XXXXX         Bankruptcy   07/31/2019 08/30/2017   Excessive Obligations Bankruptcy 1 07/31/2019 Owner Occupied   UTD UTD 08/13/2018 Yes   24           N/A   0         07/31/2019 Ongoing dialogue with borrower       There was no contact prior to 09/29/2017. On 09/29/2017, the borrower made a pay by phone payment citing reduction in work hours and confirmed receipt of the loss mitigation package, but did not have time to discuss financials. On 12/21/2017, the borrower said requested documents were faxed in. The borrower was advised on 01/09/2018 of additional documents needed. A complete package was acknowledged on 01/17/2018 and in review along with ta 2nd loan. The borrower advised the new servicer on 01/29/2018 that a package was submitted. The servicer found that the package was received on 12/26/2017, but loan was out of their hands on 12/28/2017, so the task was closed. The borrower was advised to decline so a new process could be started. Receipt of the new package was confirmed on 02/08/2018. The borrower followed up on the status of the review on 02/19/2018. On 02/28/2018, the borrower expressed frustration with the insurance claim process. The borrower wanted a family member to complete the work since it was only floors and walls. The borrower called on 03/12/2018 to inquire about the modification approval and confirming which loan it is for. The borrower also wanted to know why reporting isn't always submitted to credit bureaus and was advise that is was in the investor's legal right to chose to do so. The borrower called on 03/13/2018 to 03/16/2018 to confirm the contractor's information was received and was advised of additional items needed. The borrower was informed on 03/22/2018 that the loss draft check was sent out on 03/20/2018. A letter of satisfaction for the insurance claim was received on 04/20/2018 and the remainder of the loss draft funds were requested for release. The borrower confirmed receipt of the modification agreement on 04/24/2018 and will notarize and return. The borrower called on 05/18/2018 to inform of receiving another insurance check for adjusted depreciation and will use part of the check to catch up on the mortgage payments. On 05/23/2018 and 05/25/2018, the stated intention to make payments on the smaller loan in a few days and also need a letter authorizing use of the loss draft funds to post April and May payments. On 05/31/2018, the payments were applied and the modification became effective. Additional contact was made via email to confirm when the 06/2018 payment would be made. On 10/17/18, the borrower called in to follow up on their modification review. The rep forwarded a message for a return phone call to discuss further. On 11/12/18 the customer called in and confirmed their modification review was denied and liquidation or paying the total due was only option. 11/28/18 the customer called in regarding the account status and was advised on options for the account. The rep also confirmed the account was not referred to foreclosure yet. The homeowner advised on plans to seek legal counsel. On 02/27/19 the homeowner called in and was advised on the need for atty and if wants loss mitigation options. she asked about a late fee. advised late fees waived today by BK and any late fees that remain 05/10/19 the customer called in to make a payment of $956.71. 07/05/19 the customer called in a payment of $956.71. 07/31/19 the customer called in to make a payment of $958.00. The account remains in active BK.   Somewhat No     Poor Poor - Intervention Required UTD Poor Strong Modification   No No No No Yes No No No No No No No No No No No No No No Yes Forbearance/Workout 11/28/2018 No Retention Yes XX/XX/XXXX         2 Completed                                                                                                                                                                                 1 Active   Chapter 13 XXX XX/XX/XXXX         No             No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer Yes   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/31/2019. There was no contact prior to 09/29/2017. On 09/29/2017, the borrower made a pay by phone payment citing reduction in work hours and confirmed receipt of the loss mitigation package, but did not have time to discuss financials. On 12/21/2017, the borrower said requested documents were faxed in. The borrower was advised on 01/09/2018 of additional documents needed. A complete package was acknowledged on 01/17/2018 and in review along with ta 2nd loan. The borrower advised the new servicer on 01/29/2018 that a package was submitted. The servicer found that the package was received on 12/26/2017, but loan was out of their hands on 12/28/2017, so the task was closed. The borrower was advised to decline so a new process could be started. Receipt of the new package was confirmed on 02/08/2018. The borrower followed up on the status of the review on 02/19/2018. On 02/28/2018, the borrower expressed frustration with the insurance claim process. The borrower wanted a family member to complete the work since it was only floors and walls. The borrower called on 03/12/2018 to inquire about the modification approval and confirming which loan it is for. The borrower also wanted to know why reporting isn't always submitted to credit bureaus and was advise that is was in the investor's legal right to chose to do so. The borrower called on 03/13/2018 to 03/16/2018 to confirm the contractor's information was received and was advised of additional items needed. The borrower was informed on 03/22/2018 that the loss draft check was sent out on 03/20/2018. A letter of satisfaction for the insurance claim was received on 04/20/2018 and the remainder of the loss draft funds were requested for release. The borrower confirmed receipt of the modification agreement on 04/24/2018 and will notarize and return. The borrower called on 05/18/2018 to inform of receiving another insurance check for adjusted depreciation and will use part of the check to catch up on the mortgage payments. On 05/23/2018 and 05/25/2018, the stated intention to make payments on the smaller loan in a few days and also need a letter authorizing use of the loss draft funds to post April and May payments. On 05/31/2018, the payments were applied and the modification became effective. Additional contact was made via email to confirm when the 06/2018 payment would be made. On 10/17/18, the borrower called in to follow up on their modification review. The rep forwarded a message for a return phone call to discuss further. On 11/12/18 the customer called in and confirmed their modification review was denied and liquidation or paying the total due was only option. 11/28/18 the customer called in regarding the account status and was advised on options for the account. The rep also confirmed the account was not referred to foreclosure yet. The homeowner advised on plans to seek legal counsel. On 02/27/19 the homeowner called in and was advised on the need for atty and if wants loss mitigation options. she asked about a late fee. advised late fees waived today by BK and any late fees that remain 05/10/19 the customer called in to make a payment of $956.71. 07/05/19 the customer called in a payment of $956.71. 07/31/19 the customer called in to make a payment of $958.00. The account remains in active BK. REASON FOR DEFAULT: The reason for default is excessive obligations. 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 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. 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. ADDITIONAL INFORMATION An insurance claim was filed for previous water damage from 02/10/18. check IAO $5250.00 was received and endorsed. As of 03/14/18 notation confirmed information along with photos were received and completed. 3 - Ability to Repay - Poor - Intervention Required - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Current Status - Bankruptcy 9/25/2019
70386023 XXXXX XXXXX         Delinquent   07/31/2019     UTD 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   39           N/A   0           Contact attempts - however unable to contact borrower No       Yes   No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No           No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. 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. ADDITIONAL INFORMATION There was no contact with the borrower and all contact attempts made were unsuccessful. The loan is 60 days delinquent. 3 - Current Status - Delinquent 9/25/2019
71019533 XXXXX XXXXX         Delinquent   07/31/2019     Death of Family Member 60 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/27/2019 Contact attempts - however unable to contact borrower       Initial contact was made during the review period on 11/1/2017; in which an authorized third party scheduled a payment. An authorized third party(ATP) called in on 1/25/2018 to discuss options to assist in bringing the loan current. The third party scheduled 2 payments and asked to be reviewed for a deferment. The third party called back on 2/15/2018 and was advised the account was sent for possible deferment approval. Contact was made on 2/19/2018 in which a payment was scheduled and the 2-month deferment was approved on 2/21/2018. Contact was made with a third party on 6/16/2018, in which the party stated will make a payment before the end of the month. An authorized third party called in on 7/24/2018 and scheduled a payment. The ATP called in on 10/10/2018 and stated not able to bring loan current at this time and intends to keep home. The ATP stated intends to make a payment on 10/15 and make the account current in November. The reason for default was cited as death of son. The ATP called in on 10/26/2018 to schedule a payment and stated son passed away who is not a borrower on the account. Contact was made on 11/27/2018, in which the third party scheduled a double payment, however; was not able to bring the loan current. An ATP called in and scheduled a payment on 1/30/2019, 2/27/2019, 3/29/2019, 4/24/2019, and 5/31/2019. The last contact was made on 6/27/2019, in which the ATP scheduled two payments on the account. There was no additional contact made during the remainder of the review period.   Yes No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No No       Retention Yes XX/XX/XXXX         1 Completed                                                                                                                                                                                                                                                                                                                                                                                                             No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/27/2019. Initial contact was made during the review period on 11/1/2017; in which an authorized third party scheduled a payment. An authorized third party(ATP) called in on 1/25/2018 to discuss options to assist in bringing the loan current. The third party scheduled 2 payments and asked to be reviewed for a deferment. The third party called back on 2/15/2018 and was advised the account was sent for possible deferment approval. Contact was made on 2/19/2018 in which a payment was scheduled and the 2-month deferment was approved on 2/21/2018. Contact was made with a third party on 6/16/2018, in which the party stated will make a payment before the end of the month. An authorized third party called in on 7/24/2018 and scheduled a payment. The ATP called in on 10/10/2018 and stated not able to bring loan current at this time and intends to keep home. The ATP stated intends to make a payment on 10/15 and make the account current in November. The reason for default was cited as death of son. The ATP called in on 10/26/2018 to schedule a payment and stated son passed away who is not a borrower on the account. Contact was made on 11/27/2018, in which the third party scheduled a double payment, however; was not able to bring the loan current. An ATP called in and scheduled a payment on 1/30/2019, 2/27/2019, 3/29/2019, 4/24/2019, and 5/31/2019. The last contact was made on 6/27/2019, in which the ATP scheduled two payments on the account. There was no additional contact made during the remainder of the review period. REASON FOR DEFAULT: The reason for default is death of family member. 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. 3 - Current Status - Delinquent - Currently Delinquent Mortgage 9/25/2019
70121228 XXXXX XXXXX XXXXX       Bankruptcy   07/31/2019 07/25/2019   Curtailment of Income Bankruptcy 1 08/09/2019 Owner Occupied   UTD UTD 05/15/2019 Yes   86           N/A   0         07/25/2019 Ongoing dialogue with borrower       No contact was made from start of review to 08/16/17. 08/17/17 the customer discussed options and temporary hardship. 09/07/17 the customer planned to made additional payments on the account. 10/05/17 the customer called to discuss loss draft info. 10/13/17 the customer discussed account, financials and purpose on account. 10/16/17 the customer called in regarding an insurance claim. 10/30/17 the customer confirmed inability to pay on account. 12/04/17 the customer discussed repayment plan. A 100% inspection was received on 05/31/2018. 12/18/18 the customer discussed reinstatement and options. 12/28/18 the borrower confirmed docs. 12/31/18 the customer confirmed docs needed and trial assignment. 01/10/19 the borrower discussed the account and total amount due on account. 01/16/19 the borrower went over income. 01/28/19 the borrower went over docs needed for review. 02/08/19 the borrower confirmed with servicer that their application was incomplete. 02/14/19 the customer confirmed foreclosure was placed on hold. 02/23/19 courtesy call to collect payment was made and options discussed. 02/28/19 the customer discussed options for the account. 03/06/19 the borrower reviewed mod terms and planned to call back. On 03/12/19 the borrower discussed escrow and amortization. 04/01/19 the customer called in to speak with assigned agent regarding account. 05/02/19 the customer discussed the modification and next steps. On 06/04/19 borrower confirmed a curtailment in income. On 07/25/19, the customer confirmed trial amount and plan for the account. account remains in BK status.   Somewhat No     Poor Poor - Intervention Required UTD Poor Strong Modification   No No No No Yes Yes No No No No No No No No No No No No No Yes Other Modification 07/25/2019 No Retention No                                                                                                                                       On Hold XX/XX/XXXX Current Loss Mitigation in Place   No     Complaint Filed XX/XX/XXXX Judgment           XX/XX/XXXX XX/XX/XXXX               No   Yes   2 Active   Chapter 13 XXX XX/XX/XXXX         No             No       No     No XX/XX/XXXX Case# XXX chapter 13 filed XX/XX/XXXX and relief granted XX/XX/XXXX.                                                                                                                                                                       No No   No   No                   Retired No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/25/2019. No contact was made from start of review to 08/16/17. 08/17/17 the customer discussed options and temporary hardship. 09/07/17 the customer planned to made additional payments on the account. 10/05/17 the customer called to discuss loss draft info. 10/13/17 the customer discussed account, financials and purpose on account. 10/16/17 the customer called in regarding an insurance claim. 10/30/17 the customer confirmed inability to pay on account. 12/04/17 the customer discussed repayment plan. A 100% inspection was received on 05/31/2018. 12/18/18 the customer discussed reinstatement and options. 12/28/18 the borrower confirmed docs. 12/31/18 the customer confirmed docs needed and trial assignment. 01/10/19 the borrower discussed the account and total amount due on account. 01/16/19 the borrower went over income. 01/28/19 the borrower went over docs needed for review. 02/08/19 the borrower confirmed with servicer that their application was incomplete. 02/14/19 the customer confirmed foreclosure was placed on hold. 02/23/19 courtesy call to collect payment was made and options discussed. 02/28/19 the customer discussed options for the account. 03/06/19 the borrower reviewed mod terms and planned to call back. On 03/12/19 the borrower discussed escrow and amortization. 04/01/19 the customer called in to speak with assigned agent regarding account. 05/02/19 the customer discussed the modification and next steps. On 06/04/19 borrower confirmed a curtailment in income. On 07/25/19, the customer confirmed trial amount and plan for the account. account remains in BK status. REASON FOR DEFAULT: The reason for default is curtailment of income. FORECLOSURE: The file was referred to foreclosure on XX/XX/XXXX. The first legal was completed XX/XX/XXXX. The current foreclosure is on hold and the hold reason is current loss mitigation in place. The next projected foreclosure step is judgment. BANKRUPTCY: There is evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. Case# XXX chapter 13 filed XX/XX/XXXX and relief granted XX/XX/XXXX. 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. 3 - Ability to Repay - Poor - Intervention Required - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Current Status - Bankruptcy - Foreclosure - Borrower(s) represented by an attorney - Foreclosure - Hold - Loss Mitigation 9/25/2019
76346612 XXXXX XXXXX         Delinquent   07/31/2019 07/08/2019   Curtailment of Income 120+ 1 07/30/2019 Owner Occupied   UTD UTD 01/02/2019 Yes   24           N/A   0         07/30/2019 Ongoing dialogue with borrower       There was no contact prior to 08/02/2017. On 08/02/2017, the borrower stated that the hardship was due to robbery of the home and lack of income. The caller stated just got a job and will send a money order tomorrow for $1,100.00 and will try to make extra payments to bring the loan current. On 08/10/2017, the customer stated that sent a money order for $2,000.00. On 08/11/2017, the borrower clarified that send 2 money orders for a total of $2,000.000 on 08/10/2017. On 08/18/2017, the homeowner reported property water damage which needs to be repaired and accepted a deferment for two payments. The deferment request was declined on 08/18/2017 as the loan had just been modified this year. On 08/21/2017, the agent confirmed receipt of the $2,000.00 payment. The water bill has increased due to a leak in the property. The agent advised that the deferment was declined. On 09/14/2017, the borrower stated is working again after being out of work for 3 months and verified the payment mailing address. On 09/21/2017, a payment was scheduled; and the customer requested a deferment. A one-month deferment was processed on XX/XX/XXXX. On 09/26/2017, the payment scheduled for 10/03/2017 was discussed. On 10/16/2017, the October returned payment was discussed and a replacement money order was promised. On 10/17/2017, the customer advised that send $1,000.00 via mail. The homeowner also advised that fixed the property damages although it appears the insurance claim had been denied. On 11/03/2017, the agent provided the total amount due of $1,161.53. There was no borrower response to contact attempts between 11/04/2017 and 01/02/2018. On 01/03/2018 and 01/23/2018, payments were scheduled. On 02/06/2018, the borrower disputed the interest amount on the 1098 tax form as it shows a negative interest amount of $386.85. Per the supervisor, this amount is correct due the loan modification. On 02/14/2018, the customer stated is a seasonal employee and will not return to work until 03/2018. On 02/16/2018, the borrower wanted to change the scheduled payment's date from 02/28/2018 to 03/03/2018 due to reduced income. On 02/26/2018, the customer changed to the 27th of the month. On 04/06/2018, the borrower stated is unemployed; getting social security income and looking for work. On 04/14/2018 and 04/17/2018, a payment was promised. On 04/23/2018, the homeowner has obtained a job and scheduled a payment for $1,080.00 for 05/04/2018. On 05/15/2018, a payment was scheduled. On 05/16/2018, the agent advised that a one-month deferment was processed. On 06/15/2018, a payment was promised; and on 06/16/2018, the mailing address was verified. On 06/19/2018, a family member had been in a car accident and a payment had been sent on 06/16/2018. On 06/27/2018, a payment was scheduled. On 07/18/2018, the customer stated that lost funds and requested assistance since caring for 2 special needs children. The agent replied that did not qualify for another deferment at this time. On 08/03/2018, the homeowner called to verify that the payment was scheduled for today. On 08/07/2018, the borrower was provided the payment amount. On 08/09/2018, the agent advised that the payment was short by $170.88. for the month of August. On 08/13/2018, a payment was scheduled for $1,500.00 for 09/03/2018. On 08/27/2018, the homeowner was informed that the deferment was approved due to reduced working hours and caring for children. A one-month deferment was processed on 08/28/2018. On 09/18/2018, the customer promised a payment. On 09/26/2018, the borrower had questions regarding a deferment and scheduled a payment. On 10/17/2018, 10/24/2018 and 10/26/2018, the borrower promised to mail a payment. On 10/29/2018, 10/30/2018, 10/31/2018 and 11/01/2018, the customer inquired if a mailed payment for $810.00 sent in October had been received. On 11/07/2018, the borrower stated that the payment is too high due to increased escrow. The agent advised that can seek a cheaper insurance policy. Loss mitigation options were discussed. On 11/16/2018, the hardship was cited as excessive obligations due to car issues; but the borrower plans to cure the delinquency by the end of the month. Payments were scheduled for 11/22/2018 and 12/05/2018. On 12/07/2018, a payment was scheduled. On 01/02/2019, scheduled a payment for $1,793.72 for 01/04/2019 and plans to catch up the account on own. The loan was referred to foreclosure on XX/XX/XXXX. On 02/11/2019 and 02/12/2019, the borrower expressed interest in a repayment plan. On 02/14/2019, the borrower stated had sent a payment overnight on 02/08/2019 and wants to reinstate the loan in March. On 02/15/2019, the agent advised that the customer has used 2 out of 3 options and that the repayment plan is the last option. On 02/19/2019, the homeowner confirmed owner occupancy and stated that a child became ill and there were unexpected car issues. The foreclosure status was discussed. On 02/20/2019, the agent advised that the repayment plan had been submitted for a decision. The repayment plan was approved and mailed on 02/21/2019 for 12 months which requires a down payment of $1,173.38. Plan details: 03/01/2019 - 02/01/2010 with equal payments of $1,586.07. On 02/25/2019, the borrower was informed that the repayment plan has been approved and scheduled a payment for 02/28/2019. On 03/04/2019, a payment for 03/13/2019 was scheduled. On 03/25/2019, the borrower was informed that the single point of contact was not available. On 03/26/2019, a payment for $1,586.07 was scheduled for 04/10/2019. The customer had unexpected car repairs and illness. The foreclosure proceedings were closed and billed on XX/XX/XXXX as the borrower made payments through a repayment plan to bring the due date to XX/XX/XXXX which is less than 120 days. On 04/30/2019, a payment for the repayment plan was scheduled for 05/08/2019. On 05/06/2019, the homeowner advised that the hardship is due to a medical issue. On 05/07/2019, the borrower changed the scheduled payment date from 05/08/2019 to 05/15/2019 for $1,586.07. On 07/08/2019, the agent discussed the XXX modification with the 3% interest rate; and that the loan is not eligible for a repayment plan due to affordability. The hardship was due to having issues with the children's social security benefits and the borrower had a recent medical issue. On 07/27/2019, the homeowner was verbally verified the income and was informed it had been submitted to the investor for modification approval. On 07/30/2019, the borrower called to check on the modification status and was informed it was still under review by the underwriter. There was no additional contact.   Yes Yes Verbal Yes Fair Fair UTD Fair Moderate Modification   No No No No No No No No No No No No No No No No No No No Yes Other Modification 07/30/2019 No Retention Yes           1 Under Review                                 Deferment completed XX/XX/XXXX.                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: There was no contact prior to 08/02/2017. On 08/02/2017, the borrower stated that the hardship was due to robbery of the home and lack of income. The caller stated just got a job and will send a money order tomorrow for $1,100.00 and will try to make extra payments to bring the loan current. On 08/10/2017, the customer stated that sent a money order for $2,000.00. On 08/11/2017, the borrower clarified that send 2 money orders for a total of $2,000.000 on 08/10/2017. On 08/18/2017, the homeowner reported property water damage which needs to be repaired and accepted a deferment for two payments. The deferment request was declined on 08/18/2017 as the loan had just been modified this year. On 08/21/2017, the agent confirmed receipt of the $2,000.00 payment. The water bill has increased due to a leak in the property. The agent advised that the deferment was declined. On 09/14/2017, the borrower stated is working again after being out of work for 3 months and verified the payment mailing address. On 09/21/2017, a payment was scheduled; and the customer requested a deferment. A one-month deferment was processed on XX/XX/XXXX. On 09/26/2017, the payment scheduled for 10/03/2017 was discussed. On 10/16/2017, the October returned payment was discussed and a replacement money order was promised. On 10/17/2017, the customer advised that send $1,000.00 via mail. The homeowner also advised that fixed the property damages although it appears the insurance claim had been denied. On 11/03/2017, the agent provided the total amount due of $1,161.53. There was no borrower response to contact attempts between 11/04/2017 and 01/02/2018. On 01/03/2018 and 01/23/2018, payments were scheduled. On 02/06/2018, the borrower disputed the interest amount on the 1098 tax form as it shows a negative interest amount of $386.85. Per the supervisor, this amount is correct due the loan modification. On 02/14/2018, the customer stated is a seasonal employee and will not return to work until 03/2018. On 02/16/2018, the borrower wanted to change the scheduled payment's date from 02/28/2018 to 03/03/2018 due to reduced income. On 02/26/2018, the customer changed to the 27th of the month. On 04/06/2018, the borrower stated is unemployed; getting social security income and looking for work. On 04/14/2018 and 04/17/2018, a payment was promised. On 04/23/2018, the homeowner has obtained a job and scheduled a payment for $1,080.00 for 05/04/2018. On 05/15/2018, a payment was scheduled. On 05/16/2018, the agent advised that a one-month deferment was processed. On 06/15/2018, a payment was promised; and on 06/16/2018, the mailing address was verified. On 06/19/2018, a family member had been in a car accident and a payment had been sent on 06/16/2018. On 06/27/2018, a payment was scheduled. On 07/18/2018, the customer stated that lost funds and requested assistance since caring for 2 special needs children. The agent replied that did not qualify for another deferment at this time. On 08/03/2018, the homeowner called to verify that the payment was scheduled for today. On 08/07/2018, the borrower was provided the payment amount. On 08/09/2018, the agent advised that the payment was short by $170.88. for the month of August. On 08/13/2018, a payment was scheduled for $1,500.00 for 09/03/2018. On 08/27/2018, the homeowner was informed that the deferment was approved due to reduced working hours and caring for children. A one-month deferment was processed on 08/28/2018. On 09/18/2018, the customer promised a payment. On 09/26/2018, the borrower had questions regarding a deferment and scheduled a payment. On 10/17/2018, 10/24/2018 and 10/26/2018, the borrower promised to mail a payment. On 10/29/2018, 10/30/2018, 10/31/2018 and 11/01/2018, the customer inquired if a mailed payment for $810.00 sent in October had been received. On 11/07/2018, the borrower stated that the payment is too high due to increased escrow. The agent advised that can seek a cheaper insurance policy. Loss mitigation options were discussed. On 11/16/2018, the hardship was cited as excessive obligations due to car issues; but the borrower plans to cure the delinquency by the end of the month. Payments were scheduled for 11/22/2018 and 12/05/2018. On 12/07/2018, a payment was scheduled. On 01/02/2019, scheduled a payment for $1,793.72 for 01/04/2019 and plans to catch up the account on own. The loan was referred to foreclosure on XX/XX/XXXX. On 02/11/2019 and 02/12/2019, the borrower expressed interest in a repayment plan. On 02/14/2019, the borrower stated had sent a payment overnight on 02/08/2019 and wants to reinstate the loan in March. On 02/15/2019, the agent advised that the customer has used 2 out of 3 options and that the repayment plan is the last option. On 02/19/2019, the homeowner confirmed owner occupancy and stated that a child became ill and there were unexpected car issues. The foreclosure status was discussed. On 02/20/2019, the agent advised that the repayment plan had been submitted for a decision. The repayment plan was approved and mailed on 02/21/2019 for 12 months which requires a down payment of $1,173.38. Plan details: 03/01/2019 - 02/01/2010 with equal payments of $1,586.07. On 02/25/2019, the borrower was informed that the repayment plan has been approved and scheduled a payment for 02/28/2019. On 03/04/2019, a payment for 03/13/2019 was scheduled. On 03/25/2019, the borrower was informed that the single point of contact was not available. On 03/26/2019, a payment for $1,586.07 was scheduled for 04/10/2019. The customer had unexpected car repairs and illness. The foreclosure proceedings were closed and billed on XX/XX/XXXX as the borrower made payments through a repayment plan to bring the due date to XX/XX/XXXX which is less than 120 days. On 04/30/2019, a payment for the repayment plan was scheduled for 05/08/2019. On 05/06/2019, the homeowner advised that the hardship is due to a medical issue. On 05/07/2019, the borrower changed the scheduled payment date from 05/08/2019 to 05/15/2019 for $1,586.07. On 07/08/2019, the agent discussed the XXX modification with the 3% interest rate; and that the loan is not eligible for a repayment plan due to affordability. The hardship was due to having issues with the children's social security benefits and the borrower had a recent medical issue. On 07/27/2019, the homeowner was verbally verified the income and was informed it had been submitted to the investor for modification approval. On 07/30/2019, the borrower called to check on the modification status and was informed it was still under review by the underwriter. There was no additional contact. REASON FOR DEFAULT: The reason for default is curtailment of income. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is no evidence of current or prior bankruptcy. MODIFICATION: The loan is currently under review for modification however has not yet been approved. Deferment completed 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. 3 - Current Status - Delinquent 9/25/2019
72669895 XXXXX XXXXX         Bankruptcy   07/31/2019 07/24/2019   Excessive Obligations Bankruptcy 1 08/12/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/24/2019 Ongoing dialogue with borrower       There was no contact prior to 09/21/2017. On 09/21/2017, the borrower called to setup a payment and was advised that the foreclosure process could start at anytime. The dismissed bankruptcy was discussed along with the borrower informing of being currently employed with hardship due to medical bills and putting a new engine in the car. The borrower expressed interest in a modification. On 09/28/2017, the borrower called to request payment cancellation and stated intention to mail loss mitigation application the same day. An email was received from the borrower on 03/14/2018 requesting to accept the streamline modification offer. The borrower stated on 04/20/2018 that the original modification offer was overlooked, that's why it was not accepted and requested reapplication citing excessive obligations. The borrower was informed of foreclosure sale date set for 10 days. The borrower called on 05/31/2018 to setup a payment. The borrower called on 10/23/2018 and called back on 10/25/2018 to schedule a payment. The borrower called on 10/30/2018 to state intention to bring a payment into the branch. Additional payments were made on 11/09/2018, 12/03/2018, 01/23/2019, 04/02/2019, 04/11/2019. The borrower called on 04/18/2019 to cancel one of the scheduled payments and called on 07/24/2019 to make a payment. On 10/23/2018 the borrower called to make in installment. On 10/25/2018 the borrower called to adjust one time daft to tomorrow. On 10/30/2018 The borrower called to make a payment advised would walk into the branch. On 11/09/2018 the borrower called to make a payment. On 12/03/2018 the borrower called to make a payment. On 01/23/2019 the borrower called to make a payment. On 04/02/2019 the borrower called to make a payment. On 04/11/2019 the borrower called to make a payment. On 04/18/2019 the borrower called to cancel payment and schedule a payment. On 07/24/2019 The borrower called to make a payment. There was no further contact the remainder of the review period. Loan in Bankruptcy.   Somewhat No     Fair Fair UTD Fair Moderate Reinstatement   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 09/28/2017 No Retention No                                                                                                                                                                                               1 Active   Chapter 13 XXX XX/XX/XXXX         No             Yes XX/XX/XXXX     Yes XX/XX/XXXX   No   Agreed Order filed XX/XX/XXXX.                                                                                                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/24/2019. There was no contact prior to 09/21/2017. On 09/21/2017, the borrower called to setup a payment and was advised that the foreclosure process could start at anytime. The dismissed bankruptcy was discussed along with the borrower informing of being currently employed with hardship due to medical bills and putting a new engine in the car. The borrower expressed interest in a modification. On 09/28/2017, the borrower called to request payment cancellation and stated intention to mail loss mitigation application the same day. An email was received from the borrower on 03/14/2018 requesting to accept the streamline modification offer. The borrower stated on 04/20/2018 that the original modification offer was overlooked, that's why it was not accepted and requested reapplication citing excessive obligations. The borrower was informed of foreclosure sale date set for 10 days. The borrower called on 05/31/2018 to setup a payment. The borrower called on 10/23/2018 and called back on 10/25/2018 to schedule a payment. The borrower called on 10/30/2018 to state intention to bring a payment into the branch. Additional payments were made on 11/09/2018, 12/03/2018, 01/23/2019, 04/02/2019, 04/11/2019. The borrower called on 04/18/2019 to cancel one of the scheduled payments and called on 07/24/2019 to make a payment. On 10/23/2018 the borrower called to make in installment. On 10/25/2018 the borrower called to adjust one time daft to tomorrow. On 10/30/2018 The borrower called to make a payment advised would walk into the branch. On 11/09/2018 the borrower called to make a payment. On 12/03/2018 the borrower called to make a payment. On 01/23/2019 the borrower called to make a payment. On 04/02/2019 the borrower called to make a payment. On 04/11/2019 the borrower called to make a payment. On 04/18/2019 the borrower called to cancel payment and schedule a payment. On 07/24/2019 The borrower called to make a payment. There was no further contact the remainder of the review period. Loan in Bankruptcy. REASON FOR DEFAULT: The reason for default is excessive obligations. 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 13. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. The proof of claim was filed XX/XX/XXXX. A motion for relief was filed XX/XX/XXXX. Agreed Order filed XX/XX/XXXX. 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. 3 - Current Bankruptcy - no relief granted - Current Status - Bankruptcy 9/25/2019
74555938 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 08/13/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/25/2019 Not attempting to contact the borrower       No borrower contact prior to 01/28/2018. On 01/25/2018 the borrower advised unable to make a payment at this time. On 01/29/2018 the borrower called in regarding a payment being returned. On 02/14/2018 the borrower called in stating was not aware that the payment has been returned NSF. On 04/10/2018 the borrower promised to pay $1,173.32 drafting on 04/10/2018. On 04/20/2018 the borrower promised to pay $586.66 drafting on 04/20/2018. On 04/30/2018 the borrower called to confirm the payment went through. On 05/14/2018 the borrower advised the reason for delinquency is dealing with cancer. On 06/29/2018 the borrower stated will contact the bank and call back today. On 07/09/2018 the borrower advised attempting to gather funds. On 07/10/2018 the borrower promised to pay $596.25. On 07/17/2018 the borrower was advised of the NSF. On 07/31/2018 the borrower was advised of the NSF. On 02/06/2019 the borrower paid $19.00. On 02/09/2019 the borrower advised will make a payment on Monday. On 05/210/2019 the borrower stated unable to make a payment at this time. On 05/31/2019 the borrower advised payments will be made in June. On 06/28/2019 the borrower was advised payment have been returned NSF. On 07/01/2019 the borrower advised will make a payment once social security check has been received. On 07/02/2019 the borrower advised unable to make payment at this time. On 07/09/2019 the borrower made a payment in the amount of $624.65. On 07/15/2019 the borrower advised will make a payment next week. On 07/.25/2019 the borrower advised will complete the LMP and return. No further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                       No   No                                                                                                                               No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/25/2019. No borrower contact prior to 01/28/2018. On 01/25/2018 the borrower advised unable to make a payment at this time. On 01/29/2018 the borrower called in regarding a payment being returned. On 02/14/2018 the borrower called in stating was not aware that the payment has been returned NSF. On 04/10/2018 the borrower promised to pay $1,173.32 drafting on 04/10/2018. On 04/20/2018 the borrower promised to pay $586.66 drafting on 04/20/2018. On 04/30/2018 the borrower called to confirm the payment went through. On 05/14/2018 the borrower advised the reason for delinquency is dealing with cancer. On 06/29/2018 the borrower stated will contact the bank and call back today. On 07/09/2018 the borrower advised attempting to gather funds. On 07/10/2018 the borrower promised to pay $596.25. On 07/17/2018 the borrower was advised of the NSF. On 07/31/2018 the borrower was advised of the NSF. On 02/06/2019 the borrower paid $19.00. On 02/09/2019 the borrower advised will make a payment on Monday. On 05/210/2019 the borrower stated unable to make a payment at this time. On 05/31/2019 the borrower advised payments will be made in June. On 06/28/2019 the borrower was advised payment have been returned NSF. On 07/01/2019 the borrower advised will make a payment once social security check has been received. On 07/02/2019 the borrower advised unable to make payment at this time. On 07/09/2019 the borrower made a payment in the amount of $624.65. On 07/15/2019 the borrower advised will make a payment next week. On 07/.25/2019 the borrower advised will complete the LMP and return. No further contact. Borrower is deceased and ---. The date of death is unknown. 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. 3 - Current Status - Performing - Deceased Borrower(s) - No Trustee/heir of Property Noted - Deceased Borrower(s) - No Death Certificate Received 9/25/2019
74154956 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/22/2019 Ongoing dialogue with borrower       Beginning on August 01, 2017, the borrower was auto dialed and did not answer their phone. The borrower made a payment through the automated system on October 05, 2017. The autodialer was restarted afterwards. The next contact was a payment made through the automated system on December 05, 2017. After the payment the borrower was autodialed. Next contact was from the authorized third party on January 17, 2018. Authorized third party discussed modification and what would be needed to complete one. Outbound call to authorized third party on January 31, 2018, to discuss documentation needed for a modification as well as ordering a broker price opinion. Call from borrower on February 06, 2018, stating that he had denied the appraiser entry into the property because he did not know who they worked for. Advised the service representative to contact his attorney. On February 07, 2018, agent spoke with authorized third party about documents still being needed and access to the property for a broker price opinion. February 14, 2018, call made to attorney's office. On February 21, 2018, an attempt was made to skip trace the borrower. March 21, 2018, call came from borrower's attorney to discuss account status. They went over loan modification documents and was advised the property was not currently in foreclosure. On April 13, 2018, representative spoke with attorney. Advised that the modification had been denied by the investor. On April 17, 2018, attempt was made to speak with attorney. On May 05, 2018, the customer made a call into the automated system. On May 16, 2018, there was an inbound call from the attorney for the account status. Inbound call from customer's attorney on June 07, 2018, to get status of the loan. Made outbound call to attorney on June 08, 2018, advised that account was in foreclosure and a repayment plan was no longer an option. Call from attorney on June 14, 2018, discussed modification denial. Received call from the borrower on June 28, 2018, advising he was doing a withdraw from his 401k to bring the account current. On June 29, 2018, received call from the borrower requesting reinstatement figures. On June 29, 2019, inbound call from borrower requesting updated figures. Advised the customer updated figures may not be available by the time he needed them. On July 05, 2018, the borrower called to confirm if the servicer had received the reinstatement amount. On July 06, 2018, the borrower called and requested more time to get the reinstatement funds to the servicer. The servicer declined as the sale was to be held on July 12, 2018. On July 09, 2018, the borrower called in and confirmed that reinstatement funds had been received and the loan was current. There was an outbound call to the customer on July 16, 2018, to request a payment. On August 09, 2018, customer made a payment through the automated system. On September 06, 2018, customer made payment through automated system. Inbound calls from the borrower on January 24, 2019. Inbound call from borrower on May 15, 2019, to make a payment. June 03, 2019, call from the borrower requesting a deferment on his payment. The customer was advised he did not have a payment due at this time and they would have to request it when there was a payment due. There was a call from the borrower on June 04, 2019, to request a deferment. The customer was advised that a payment was not due yet, so they could not request a deferment. Customer advised they would bring the account current on July 15, 2019. Outbound call to borrower made on June 22, 2019. Borrower discussed the reason for default and stated he was denied a deferment. July 01, 2019, outbound call to the borrower to follow up on deferment. Automatic dialer calls made July 01, 2019, through July 30, 2019.   Somewhat No     Good Fair N/A Good Moderate N/A   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 06/22/2019 No Retention Yes           1 Denied debt to income                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   UTD No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/22/2019. Beginning on August 01, 2017, the borrower was auto dialed and did not answer their phone. The borrower made a payment through the automated system on October 05, 2017. The autodialer was restarted afterwards. The next contact was a payment made through the automated system on December 05, 2017. After the payment the borrower was autodialed. Next contact was from the authorized third party on January 17, 2018. Authorized third party discussed modification and what would be needed to complete one. Outbound call to authorized third party on January 31, 2018, to discuss documentation needed for a modification as well as ordering a broker price opinion. Call from borrower on February 06, 2018, stating that he had denied the appraiser entry into the property because he did not know who they worked for. Advised the service representative to contact his attorney. On February 07, 2018, agent spoke with authorized third party about documents still being needed and access to the property for a broker price opinion. February 14, 2018, call made to attorney's office. On February 21, 2018, an attempt was made to skip trace the borrower. March 21, 2018, call came from borrower's attorney to discuss account status. They went over loan modification documents and was advised the property was not currently in foreclosure. On April 13, 2018, representative spoke with attorney. Advised that the modification had been denied by the investor. On April 17, 2018, attempt was made to speak with attorney. On May 05, 2018, the customer made a call into the automated system. On May 16, 2018, there was an inbound call from the attorney for the account status. Inbound call from customer's attorney on June 07, 2018, to get status of the loan. Made outbound call to attorney on June 08, 2018, advised that account was in foreclosure and a repayment plan was no longer an option. Call from attorney on June 14, 2018, discussed modification denial. Received call from the borrower on June 28, 2018, advising he was doing a withdraw from his 401k to bring the account current. On June 29, 2018, received call from the borrower requesting reinstatement figures. On June 29, 2019, inbound call from borrower requesting updated figures. Advised the customer updated figures may not be available by the time he needed them. On July 05, 2018, the borrower called to confirm if the servicer had received the reinstatement amount. On July 06, 2018, the borrower called and requested more time to get the reinstatement funds to the servicer. The servicer declined as the sale was to be held on July 12, 2018. On July 09, 2018, the borrower called in and confirmed that reinstatement funds had been received and the loan was current. There was an outbound call to the customer on July 16, 2018, to request a payment. On August 09, 2018, customer made a payment through the automated system. On September 06, 2018, customer made payment through automated system. Inbound calls from the borrower on January 24, 2019. Inbound call from borrower on May 15, 2019, to make a payment. June 03, 2019, call from the borrower requesting a deferment on his payment. The customer was advised he did not have a payment due at this time and they would have to request it when there was a payment due. There was a call from the borrower on June 04, 2019, to request a deferment. The customer was advised that a payment was not due yet, so they could not request a deferment. Customer advised they would bring the account current on July 15, 2019. Outbound call to borrower made on June 22, 2019. Borrower discussed the reason for default and stated he was denied a deferment. July 01, 2019, outbound call to the borrower to follow up on deferment. Automatic dialer calls made July 01, 2019, through July 30, 2019. 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 denied for modification. The denial reason is stated as debt to income. 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. 2 - Current Status - Performing 9/25/2019
76142788 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/20/2019 Owner Occupied   UTD UTD 06/27/2018 Yes   24           N/A   0         07/03/2019 Ongoing dialogue with borrower       On 08/24/2017 The borrower called to see why she is receiving different looking statements. On 09/13/2017 Borrower called advised needed assistance due to Hurricane Irma. Borrower received a 1 month deferment. On 10/23/2017 The borrower called and made an escrow payment. On 11/18/2017 The borrower called in regarding the escrow analysis. The servicer went over the surplus with the borrower. On 12/15/2017 The borrower called regarding the payment amount since the payment went down. The servicer advised this payment was post dated back from September that was why. On 05/03/2018 The borrower called regarding escrow. Servicer advised the borrower of an escrow shortage. On 10/22/2018 the borrower called requesting billing statement be mailed. The servicer advised will send in 5 to 7 days when the next escrow analysis is completed. On 10/23/2018. The borrower called inquiring regarding a $40.00 fee. The servicer advised it was for a property inspection for an insurance claim. On 11/2/2018 the borrower called requesting to speak to loss mitigation regarding mortgage assistance under a duress situation. On 11/16/2018 the called the $40.00 that has not been paid, The servicer stated has till the end of the loan. On 12/21/2018 the borrower called regarding when is the next interest rate change and what will be the new payment. On 1/25/2019 the borrower called requesting assistance explaining the breakdown of the escrow notice. Also stated not receiving billing statements, change back to mailing paper statements. 02/01/2019 the borrower called to discuss loan account. On 3/11/2019 The borrower has obtained outside assistance/ third party in loss mitigation options and stop ACH payments during the loss mitigation process. Also requested one-month deferment for March with exception of making escrow payment only. The borrower hardship fell ill, which cause a reduction in income. On 3/14/ 2019 the servicer called the borrower regarding approval for the one-month deferment and set up payment for 4/1/2019. On 3/18/2019 the borrower called in to make escrow only and inspection fee payment of $216.74. On 4/3/2019 the borrower called to make a payment of $693.58 for 4/3/2019. There was no contact in May. On 6/3/2019 the borrower called to make a payment. The property had suffered flooding and fire damage. The has been repaired and on 6/27/2019 the inspection shows 95% completion. On 6/27/2019 the balance of the claim check was released payable only to the borrower. The claim was closed. On 7/2/2019 the servicer made a courtesy call to the borrower regarding payment. The borrower stated will pay by end of grace period. On 7/3/2019 the borrower call to make a payment.   Yes No     Good Good N/A Good Weak N/A   No No No No Yes No No No No No No No No No No No No No No No       Retention Yes           1 Completed                                 Commentary note dated 4/3/2019 show evidence of a existing modification being return to the file room. No further detail were noted during the review.                                                                                                                                               1 Discharged   Chapter 7             No             No       No     No   Commentary note dated 8/31/2018 shows a bankruptcy discharged, however no further dates nor details were noted during the review.                                                                           No   No                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/03/2019. On 08/24/2017 The borrower called to see why she is receiving different looking statements. On 09/13/2017 Borrower called advised needed assistance due to Hurricane Irma. Borrower received a 1 month deferment. On 10/23/2017 The borrower called and made an escrow payment. On 11/18/2017 The borrower called in regarding the escrow analysis. The servicer went over the surplus with the borrower. On 12/15/2017 The borrower called regarding the payment amount since the payment went down. The servicer advised this payment was post dated back from September that was why. On 05/03/2018 The borrower called regarding escrow. Servicer advised the borrower of an escrow shortage. On 10/22/2018 the borrower called requesting billing statement be mailed. The servicer advised will send in 5 to 7 days when the next escrow analysis is completed. On 10/23/2018. The borrower called inquiring regarding a $40.00 fee. The servicer advised it was for a property inspection for an insurance claim. On 11/2/2018 the borrower called requesting to speak to loss mitigation regarding mortgage assistance under a duress situation. On 11/16/2018 the called the $40.00 that has not been paid, The servicer stated has till the end of the loan. On 12/21/2018 the borrower called regarding when is the next interest rate change and what will be the new payment. On 1/25/2019 the borrower called requesting assistance explaining the breakdown of the escrow notice. Also stated not receiving billing statements, change back to mailing paper statements. 02/01/2019 the borrower called to discuss loan account. On 3/11/2019 The borrower has obtained outside assistance/ third party in loss mitigation options and stop ACH payments during the loss mitigation process. Also requested one-month deferment for March with exception of making escrow payment only. The borrower hardship fell ill, which cause a reduction in income. On 3/14/ 2019 the servicer called the borrower regarding approval for the one-month deferment and set up payment for 4/1/2019. On 3/18/2019 the borrower called in to make escrow only and inspection fee payment of $216.74. On 4/3/2019 the borrower called to make a payment of $693.58 for 4/3/2019. There was no contact in May. On 6/3/2019 the borrower called to make a payment. The property had suffered flooding and fire damage. The has been repaired and on 6/27/2019 the inspection shows 95% completion. On 6/27/2019 the balance of the claim check was released payable only to the borrower. The claim was closed. On 7/2/2019 the servicer made a courtesy call to the borrower regarding payment. The borrower stated will pay by end of grace period. On 7/3/2019 the borrower call to make a payment. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter 7. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. Commentary note dated 8/31/2018 shows a bankruptcy discharged, however no further dates nor details were noted during the review. 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. Commentary note dated 4/3/2019 show evidence of a existing modification being return to the file room. No further detail were noted during the review. 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. 2 - Bankruptcy - CH 7 - Discharged w/o Reaffirmation - Current Status - Performing 9/25/2019
70607473 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 2 07/31/2019 Owner Occupied   UTD UTD   Yes   20           N/A   0         10/11/2018 Not attempting to contact the borrower       No contact prior to 01/19/2018. On 01/19/2018 the account executor stated that he sent in death certificate, advised has not as yet been received. On 01/30/2018 the account executor stated informed that the borrower has not lived there in many years and the spouse is deceased. On 10/11/2018 the account executor requested a copy of the laws that protect him against harassing phone calls. No further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                       Yes   Yes   XXX                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 10/11/2018. No contact prior to 01/19/2018. On 01/19/2018 the account executor stated that he sent in death certificate, advised has not as yet been received. On 01/30/2018 the account executor stated informed that the borrower has not lived there in many years and the spouse is deceased. On 10/11/2018 the account executor requested a copy of the laws that protect him against harassing phone calls. No further contact. Borrower is deceased and ---. The date of death is unknown. 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. 3 - Current Status - Performing - Deceased Borrower(s) - Trustee/Heir(s) identified and documented - Loan - Subject Lien is not in 1st Position 9/25/2019
78299878 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 06/29/2019 Owner Occupied   Single Family Detached UTD   Yes   104           N/A   0           Not attempting to contact the borrower No       Yes   No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No           No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. 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. ADDITIONAL INFORMATION There was no borrower contact during the review period. The account is performing. 2 - Current Status - Performing 9/25/2019
71908115 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   12           N/A   0         02/20/2019 Contact attempts - however unable to contact borrower       There was no contact with the borrower from 08/01/2017 to 09/11/2017. On 09/12/2017, unauthorized third party (UTP) called in about the increase in the payment and stated that their sibling is the Executor of the Estate. On 09/13/2017, the UTP stated that the payment was sent in. Contact from 09/22/2017 through 07/16/2018 consisted of the UTP making payments. Despite several contact attempts from the servicer, there was no contact from 07/17/2018 to 11/28/2018. On 11/29/2018, the UTP called in for account information and became upset when the servicer advised that they are not authorized on the account. The UTP hung up. On 02/12/2019, the UTP called to advise that they have forwarded the Executor information. Contact from 02/20/2019 through 07/24/2019 consisted of the third party making payments. There was no further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No Yes Other Modification 02/20/2019 No Retention No                                                                                                                                                                                                                                                                                     12/23/2012 No   No                                                                                                                               No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 02/20/2019. There was no contact with the borrower from 08/01/2017 to 09/11/2017. On 09/12/2017, unauthorized third party (UTP) called in about the increase in the payment and stated that their sibling is the Executor of the Estate. On 09/13/2017, the UTP stated that the payment was sent in. Contact from 09/22/2017 through 07/16/2018 consisted of the UTP making payments. Despite several contact attempts from the servicer, there was no contact from 07/17/2018 to 11/28/2018. On 11/29/2018, the UTP called in for account information and became upset when the servicer advised that they are not authorized on the account. The UTP hung up. On 02/12/2019, the UTP called to advise that they have forwarded the Executor information. Contact from 02/20/2019 through 07/24/2019 consisted of the third party making payments. There was no further contact. Borrower is deceased and ---. The date of death is 12/23/2012. 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. 3 - Current Status - Performing - Deceased Borrower(s) - No Trustee/heir of Property Noted - Deceased Borrower(s) - No Death Certificate Received 9/25/2019
75453115 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/25/2019 Owner Occupied   UTD UTD 09/04/2018 Yes   24           N/A   0         06/07/2019 Ongoing dialogue with borrower       There was no contact prior to 11/02/2017. On 11/02/2017 the borrower called in to advise they are getting a money order for their payment. From 01/04/2018 through 06/07/2018 the borrower called in once a month to make a payment. On 07/30/2018 and 09/06/2018 the borrower called in to make a payment. They were advised that they were eligible for and accepted a 2 month deferment. On 10/08/2018, 11/07/2018, 12/07/2018 and 01/09/2019 the borrower called in to make a payment. On 02/18/2019 the borrower called in to make a payment and discuss fees on their account. They also stated they received a no proof of coverage letter and that the roof was not included in their policy. On 03/08/2019 and 04/08/2019 the borrower called in to make a payment. On 05/06/2019 the borrower called in to discuss their ACH payment. They were advised they weren't set up for an ACH payment. They made a payment. The RFD is due to excessive obligations. On 06/07/2019 the borrower called in to make a payment. There was no further contact with the borrower.   Yes No     Good Good N/A Good Weak N/A   No No No No Yes No No No No No No No No No No No No No No Yes Other 09/07/2018 No Retention No                                                                                                                                                                                               3 Closed   Chapter 7 XXX XX/XX/XXXX         No     XX/XX/XXXX       No       No     No XX/XX/XXXX                                                                                                                                                                         No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/07/2019. There was no contact prior to 11/02/2017. On 11/02/2017 the borrower called in to advise they are getting a money order for their payment. From 01/04/2018 through 06/07/2018 the borrower called in once a month to make a payment. On 07/30/2018 and 09/06/2018 the borrower called in to make a payment. They were advised that they were eligible for and accepted a 2 month deferment. On 10/08/2018, 11/07/2018, 12/07/2018 and 01/09/2019 the borrower called in to make a payment. On 02/18/2019 the borrower called in to make a payment and discuss fees on their account. They also stated they received a no proof of coverage letter and that the roof was not included in their policy. On 03/08/2019 and 04/08/2019 the borrower called in to make a payment. On 05/06/2019 the borrower called in to discuss their ACH payment. They were advised they weren't set up for an ACH payment. They made a payment. The RFD is due to excessive obligations. On 06/07/2019 the borrower called in to make a payment. There was no further 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 evidence of bankruptcy on the loan. Bankruptcy was filed on XX/XX/XXXX. The chapter is Chapter 7. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. 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. 2 - Current Status - Performing 9/25/2019
77016084 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/29/2019 Owner Occupied   UTD UTD   Yes   169           N/A   0         07/29/2019 Ongoing dialogue with borrower       From 08/01/2018-07/22/2019 There was no contact established with the borrower. On 07/23/2019 The borrower called regarding transfer of loans wanted to make a payment with credit card. The call was transferred. On 07/29/2019 The borrower called requesting assistance to fill out the ach form. Advised them of the information needed. Borrower understood, There was no further contact with the borrower during the review period. Loan is performing.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 06/19/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/29/2019. From 08/01/2018-07/22/2019 There was no contact established with the borrower. On 07/23/2019 The borrower called regarding transfer of loans wanted to make a payment with credit card. The call was transferred. On 07/29/2019 The borrower called requesting assistance to fill out the ach form. Advised them of the information needed. Borrower understood, There was no further contact with the borrower during the review period. Loan is performing. 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. 2 - Current Status - Performing 9/25/2019
75972383 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/03/2019 Owner Occupied   Single Family Detached UTD   Yes   24           N/A   0         07/08/2019 Ongoing dialogue with borrower       On 8/2/2017, borrower called in to make a payment. On 9/12/2017, borrower called to set up payment. On 11/2/2017, borrower called to begin trial payment plan. On 12/1/2017, borrower called to make a payment. On 1/5/2018, borrower called to make two payments. On 2/9/2018, borrower called to set up two payments. On 3/27/2018, borrower called with questions about modification documents. On 4/2/2018 borrower called to reschedule installment. There was no successful contact with borrower in 5/2018 and 6/2018. On 7/24/2018 borrower called to discuss loss mitigation. On 8/8/2018 borrower was calling to see if approved for loan modification. On 10/23/2018, borrower called to advise disability has been approved. On 12/3/2018, borrower was contacted and advised decision still pending. On 1/4/2019, borrower called in with hardship and discussed options . On 2/11/2019, borrower called in to accept agreement. On 3/5/2019, borrower called in to set up installment. On 4/4/2019, borrower called to make a payment. On 6/3/2019, borrower called in to set up payment for the 3rd of the month. On 7/3/2019, borrower called to inquire about corporate advance fee.   Yes No     Good Fair N/A Good Moderate N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 04/04/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Not Employed No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/08/2019. On 8/2/2017, borrower called in to make a payment. On 9/12/2017, borrower called to set up payment. On 11/2/2017, borrower called to begin trial payment plan. On 12/1/2017, borrower called to make a payment. On 1/5/2018, borrower called to make two payments. On 2/9/2018, borrower called to set up two payments. On 3/27/2018, borrower called with questions about modification documents. On 4/2/2018 borrower called to reschedule installment. There was no successful contact with borrower in 5/2018 and 6/2018. On 7/24/2018 borrower called to discuss loss mitigation. On 8/8/2018 borrower was calling to see if approved for loan modification. On 10/23/2018, borrower called to advise disability has been approved. On 12/3/2018, borrower was contacted and advised decision still pending. On 1/4/2019, borrower called in with hardship and discussed options . On 2/11/2019, borrower called in to accept agreement. On 3/5/2019, borrower called in to set up installment. On 4/4/2019, borrower called to make a payment. On 6/3/2019, borrower called in to set up payment for the 3rd of the month. On 7/3/2019, borrower called to inquire about corporate advance fee. 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. 2 - Current Status - Performing 9/25/2019
74458815 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/28/2019 Contact attempts - however unable to contact borrower       Attempts were made to contact borrower from 08/01/2017 through 10/17/2018 and were unsuccessful. On 10/18/2018 spoke with borrower who stated lost phone number to call in payment. Advised borrower of consequences for non-payment. On 11/23/2018, the borrower was contacted and borrower stated was out of town. Advised of consequences. On 02/11/2019, the borrower called in and scheduled a payment. On 03/19/2019, the borrower was contacted for payment. Borrower stated was out of town and does not have information. On 07/18/2019, the borrower stated that they just found out that the loan was transferred. Borrower stated will go online to make a payment. On 07/28/2019, spoke with borrower who made the July payment using debit card in the amount of $146.90. No further contact was made with the borrower.   Somewhat Yes Verbal Yes Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes           1 Completed             Monthly                                                                                                                                                                                                                                                                                                                                                                                               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/28/2019. Attempts were made to contact borrower from 08/01/2017 through 10/17/2018 and were unsuccessful. On 10/18/2018 spoke with borrower who stated lost phone number to call in payment. Advised borrower of consequences for non-payment. On 11/23/2018, the borrower was contacted and borrower stated was out of town. Advised of consequences. On 02/11/2019, the borrower called in and scheduled a payment. On 03/19/2019, the borrower was contacted for payment. Borrower stated was out of town and does not have information. On 07/18/2019, the borrower stated that they just found out that the loan was transferred. Borrower stated will go online to make a payment. On 07/28/2019, spoke with borrower who made the July payment using debit card in the amount of $146.90. No further contact was made 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. 2 - Current Status - Performing 9/25/2019
77990434 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/30/2018 Non-Owner Occupied   UTD UTD   Yes   24           N/A   0         07/16/2019 Ongoing dialogue with borrower       Spoke with the customer on August 01, 2017, and a promise to pay was made for the July 01, 2017, mortgage payment. Spoke with the borrower on August 25, 2017, and discussed reason for default and how the account was going to be brought current. Spoke with authorized third party on September 22, 2017, and they stated they had been impacted by the hurricane and could not work. There was minimum damage to the property. Spoke with authorized third party on October 04, 2017, about disaster assistance. Spoke with borrower on January 31, 2018, stated reason for default was excessive obligation and illness. The borrower made a payment and promised to bring the account current by the end of February. The servicer spoke with the authorized third party on March 29, 2018. The authorized party made a post dated payment for April 13, 2018. On April 09, 2018, the authorized third party called in and requested information about modification. On April 11, 2018, authorized third party called in and asked questions about the hardship and income forms for loss mitigation. They also requested to change the payment date and amount at that time. On April 13, 2018, authorized third party called in about questions with the documentation. On April 18, 2018, the authorized third party called in to confirm receipt of paperwork. The third party were advised to resend the documents in a PDF format. On April 23, 2018, the authorized third party called in and stated she had resent documents in PDF form. On April 25, 2018, authorized third party called and was told some docs were illegible. On April 27, 2018, received call from authorized third party and was transferred to the single point of contact's voicemail. On May 02, 2018, authorized third party called in and stated she would fed ex the documents. Spoke with authorized third party on May 10, 2018, stating the documents had not been received yet. Received call from authorized third party on June 04, 2018, advised the third party that the single point of contact was not available but would call them back within one business day. Received inbound call from authorized third party on June 19, 2018. They were requesting to know if a repayment plan was possible. Authorized third party called in to speak with the single point of contact on June 20, 2018. The single point of contact was not available and they were transferred to the single point of contact's voicemail. Received inbound call from authorized third party on July 14, 2018, requesting information about payments and a payment not coming out of their account. Received an inbound call from the borrower who stated they would continue to make payments according to the repayment plan. Received an inbound call from the borrower who scheduled a payment on August 15, 2018. Spoke with authorized third party on September 27, 2018, and advised that two payments were owed by September 30, 2018. Third party stated that borrower had just been diagnosed. Spoke with authorized third party on October 04, 2018, who stated they would talk to their brother about payments. Spoke with authorized third party on November 13, 2018. Third party stated they were living with homeowner and contributing income. They requested to be reviewed for a modification as they could not make up past payments. Spoke with authorized third party on December 19, 2018, about the trial payments and preliminary modification approval. Received inbound call from the authorized third party on February 15, 2019, and confirmed payment information. Received inbound call from authorized third party on March 15, 2019, and confirmed payment being made. Received inbound call from authorized third party on April 30, 2019, stating that the homeowner was ill and having issues notarizing the agreement. They made two payments. Made an outbound call to the authorized third party on May 01, 2019, and stated that a mobile notary would visit the homeowner in the hospital. Received inbound call from authorized third party on May 03, 2019, stating that the ex-spouse was listed on the modification documents. The representative stated the documents needed to remove ex-spouse from the modification agreement. Received inbound call from authorized third party on May 07, 2019, advising she had the quit claim deed and would have the modification executed tomorrow. On May 21, 2019, received a call from the authorized third party requesting a notary to resign documents as soon as possible. On May 31, 2019, authorized third party called in and confirmed the new agreement has been signed. On June 14, 2019, authorized third party called in and made a payment to bring the loan current. On July 16, 2019, authorized third party called in to confirm payment was made. The servicer confirmed the payment was made and next payment due was August 01, 2019.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 05/31/2019 No Retention Yes XX/XX/XXXX         1 Completed             Monthly                                                                                                                                                                                                                                                                                                                                                                                               No No   No   No                   Retired No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/16/2019. Spoke with the customer on August 01, 2017, and a promise to pay was made for the July 01, 2017, mortgage payment. Spoke with the borrower on August 25, 2017, and discussed reason for default and how the account was going to be brought current. Spoke with authorized third party on September 22, 2017, and they stated they had been impacted by the hurricane and could not work. There was minimum damage to the property. Spoke with authorized third party on October 04, 2017, about disaster assistance. Spoke with borrower on January 31, 2018, stated reason for default was excessive obligation and illness. The borrower made a payment and promised to bring the account current by the end of February. The servicer spoke with the authorized third party on March 29, 2018. The authorized party made a post dated payment for April 13, 2018. On April 09, 2018, the authorized third party called in and requested information about modification. On April 11, 2018, authorized third party called in and asked questions about the hardship and income forms for loss mitigation. They also requested to change the payment date and amount at that time. On April 13, 2018, authorized third party called in about questions with the documentation. On April 18, 2018, the authorized third party called in to confirm receipt of paperwork. The third party were advised to resend the documents in a PDF format. On April 23, 2018, the authorized third party called in and stated she had resent documents in PDF form. On April 25, 2018, authorized third party called and was told some docs were illegible. On April 27, 2018, received call from authorized third party and was transferred to the single point of contact's voicemail. On May 02, 2018, authorized third party called in and stated she would fed ex the documents. Spoke with authorized third party on May 10, 2018, stating the documents had not been received yet. Received call from authorized third party on June 04, 2018, advised the third party that the single point of contact was not available but would call them back within one business day. Received inbound call from authorized third party on June 19, 2018. They were requesting to know if a repayment plan was possible. Authorized third party called in to speak with the single point of contact on June 20, 2018. The single point of contact was not available and they were transferred to the single point of contact's voicemail. Received inbound call from authorized third party on July 14, 2018, requesting information about payments and a payment not coming out of their account. Received an inbound call from the borrower who stated they would continue to make payments according to the repayment plan. Received an inbound call from the borrower who scheduled a payment on August 15, 2018. Spoke with authorized third party on September 27, 2018, and advised that two payments were owed by September 30, 2018. Third party stated that borrower had just been diagnosed. Spoke with authorized third party on October 04, 2018, who stated they would talk to their brother about payments. Spoke with authorized third party on November 13, 2018. Third party stated they were living with homeowner and contributing income. They requested to be reviewed for a modification as they could not make up past payments. Spoke with authorized third party on December 19, 2018, about the trial payments and preliminary modification approval. Received inbound call from the authorized third party on February 15, 2019, and confirmed payment information. Received inbound call from authorized third party on March 15, 2019, and confirmed payment being made. Received inbound call from authorized third party on April 30, 2019, stating that the homeowner was ill and having issues notarizing the agreement. They made two payments. Made an outbound call to the authorized third party on May 01, 2019, and stated that a mobile notary would visit the homeowner in the hospital. Received inbound call from authorized third party on May 03, 2019, stating that the ex-spouse was listed on the modification documents. The representative stated the documents needed to remove ex-spouse from the modification agreement. Received inbound call from authorized third party on May 07, 2019, advising she had the quit claim deed and would have the modification executed tomorrow. On May 21, 2019, received a call from the authorized third party requesting a notary to resign documents as soon as possible. On May 31, 2019, authorized third party called in and confirmed the new agreement has been signed. On June 14, 2019, authorized third party called in and made a payment to bring the loan current. On July 16, 2019, authorized third party called in to confirm payment was made. The servicer confirmed the payment was made and next payment due was August 01, 2019. 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 non-owner occupied. ADDITIONAL INFORMATION The subject property is located in an area affected by Hurricane Irma; there is no evidence of unresolved property damage. 2 - Current Status - Performing - Occupancy - Non Owner Occupied 9/25/2019
76255404 XXXXX XXXXX         Performing Regular Payments 07/31/2019 07/29/2019   N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/29/2019 Ongoing dialogue with borrower       On 8/18/17 authorized 3rd party called to confirm receipt of approval letter and arrange payment. There were 4 more phone calls during 8/17 to arrange the return of mod docs and secure first payment. On 9/13 borrower requested payment date be moved to the 15th. Borrower was then contacted on a monthly basis to collect payment until 6/8/18, when borrower expressed interest in applying for a deed in lieu. There was no further contact or contact attempts made to the borrower until contacts were attempted 2/22/19 and continued through 4/4/19. On 4/4/19 spoke with borrower who scheduled payment. Borrower promised to make payment by the 19th. 4/15/19 Called borrower who said would make payment later today. 5/9/19 Borrower made promise to pay and kept promise. 6/10/19 Contacted borrower who stated will make payment before grace period ends. 6/25/19 Borrower called in to make a payment. 7/10/19 Borrower made payment by phone. 7/29/19 Spoke with borrower and informed of other methods of payment and fees. RFD was due to illness.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/29/2019. On 8/18/17 authorized 3rd party called to confirm receipt of approval letter and arrange payment. There were 4 more phone calls during 8/17 to arrange the return of mod docs and secure first payment. On 9/13 borrower requested payment date be moved to the 15th. Borrower was then contacted on a monthly basis to collect payment until 6/8/18, when borrower expressed interest in applying for a deed in lieu. There was no further contact or contact attempts made to the borrower until contacts were attempted 2/22/19 and continued through 4/4/19. On 4/4/19 spoke with borrower who scheduled payment. Borrower promised to make payment by the 19th. 4/15/19 Called borrower who said would make payment later today. 5/9/19 Borrower made promise to pay and kept promise. 6/10/19 Contacted borrower who stated will make payment before grace period ends. 6/25/19 Borrower called in to make a payment. 7/10/19 Borrower made payment by phone. 7/29/19 Spoke with borrower and informed of other methods of payment and fees. RFD was due to illness. 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. 2 - Current Status - Performing 9/25/2019
73804043 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/24/2019 Non-Owner Occupied   UTD UTD   Yes   24           N/A   0         06/24/2019 Not attempting to contact the borrower       Initial contact was made during the review period on 6/24/2019, in which the surviving spouse indicated the borrower has been deceased since 06/07/2019. Requested to send death certificate. Borrower made a payment over the phone in the amount of $197.04 and $206.89. There was no additional contact made with the borrower during the remainder of the review period.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                     06/07/2019 Yes 07/23/2019 Yes 07/02/2019 XXX Retention                                                                                                                         No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/24/2019. Initial contact was made during the review period on 6/24/2019, in which the surviving spouse indicated the borrower has been deceased since 06/07/2019. Requested to send death certificate. Borrower made a payment over the phone in the amount of $197.04 and $206.89. There was no additional contact made with the borrower during the remainder of the review period. Borrower is deceased and ---. The date of death is 06/07/2019. 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 non-owner occupied. 3 - Current Status - Performing - Deceased Borrower(s) - Trustee/Heir(s) identified and documented - Occupancy - Non Owner Occupied 9/25/2019
75406084 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD 04/18/2018 Yes   24           N/A   0         07/26/2019 Ongoing dialogue with borrower       There was no contact prior to 08/01/17. On 08/01/17, borrower made a payment. On 08/08/17, borrower stated has two payments and cant reinstate account. Need a minimum of $9290.88 to reinstate account. 08/27/17, borrower stated waiting for check to come in to reinstate loan. On 09/01/17, borrower stated has $10k to make payment. Advised due to fcl status will need a minimum of $21387.48 to reinstate. On 09/25/17, borrower stated wants to reinstate account and has payments scheduled. On 12/12/17, borrower made a payment. On 04/16/18, borrower called in to check status of loan. On 04/30/18, borrower called to make payment and reinstate loan. On 05/14/18, borrower stated was trying to make payment online but account is still showing past due. Advised funds have not been applied yet. On 07/26/19, borrower stated that his daughter makes the payment and we would need to call her. There was no further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No Yes No No No Yes Forbearance/Workout 09/01/2017 No Retention No                                                                                                                                                                                                                                                                                                                                                                                       5/XX/2018 12:00:00 AM     Other             Comments on 05/08/2018 reflect a title claim was being filed after a title search revealed outstanding interest in the property by 2 third parties. Issue was closed after the loan reinstated and there is no evidence it was resolved.               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/26/2019. There was no contact prior to 08/01/17. On 08/01/17, borrower made a payment. On 08/08/17, borrower stated has two payments and cant reinstate account. Need a minimum of $9290.88 to reinstate account. 08/27/17, borrower stated waiting for check to come in to reinstate loan. On 09/01/17, borrower stated has $10k to make payment. Advised due to fcl status will need a minimum of $21387.48 to reinstate. On 09/25/17, borrower stated wants to reinstate account and has payments scheduled. On 12/12/17, borrower made a payment. On 04/16/18, borrower called in to check status of loan. On 04/30/18, borrower called to make payment and reinstate loan. On 05/14/18, borrower stated was trying to make payment online but account is still showing past due. Advised funds have not been applied yet. On 07/26/19, borrower stated that his daughter makes the payment and we would need to call her. There was no further contact. 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 evidence of title issues with the property. Comments on 05/08/2018 reflect a title claim was being filed after a title search revealed outstanding interest in the property by 2 third parties. Issue was closed after the loan reinstated and there is no evidence it was resolved. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. 2 - Current Status - Performing - Loan has evidence of title issue(s). 9/25/2019
78564745 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   47           N/A   0         07/29/2019 Ongoing dialogue with borrower       There was no contact prior to 06/22/2019. Previous Chapter 7 Bankruptcy. On 6/22/2019 Welcome Call. Borrower hung up. On 07/29/2019 - The servicer informed the borrower that payments via the Automated Clearing House were stopped when the loan transferred. The loan is current.   Yes No     Good Good N/A Good Weak N/A   No No No No Yes No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                               1 Dismissed   Chapter 7 XXX XX/XX/XXXX         No   XX/XX/XXXX         No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/29/2019. There was no contact prior to 06/22/2019. Previous Chapter 7 Bankruptcy. On 6/22/2019 Welcome Call. Borrower hung up. On 07/29/2019 - The servicer informed the borrower that payments via the Automated Clearing House were stopped when the loan transferred. The loan is current. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. 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 7. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is dismissed. The bankruptcy was dismissed on XX/XX/XXXX. 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. 2 - Current Status - Performing 9/25/2019
79687404 XXXXX XXXXX         Delinquent   07/31/2019 01/24/2019   Excessive Obligations 30 1 08/12/2019 Owner Occupied   UTD Good   Yes   24           N/A   0         02/13/2019 Contact attempts - however unable to contact borrower       There was no contact prior to 09/20/2017. On 09/21/17, borrower stated does not want to pay back XXX and does not want to open loss mitigation options now. On 09/25/17, borrower stated will attempt to catch up account. On 09/26/17, borrower asked about shorting escrow to make payments. On 10/03/17, borrower stated expecting plan to be current by 12/01/17. On 10/13/17, borrower said will call back mid November to confirm if they will be able to bring account current. On 10/17/19, called borrower to see if they had any questions or concerns about hurricane disaster. On 10/30/17, borrower stated can bring account current on their own. From 11/09/17 to 11/28/17, borrower discussed monthly payments. On 11/29/17, borrower stated does not want to pursue short term help. On 11/30/17, borrower asked if needed to get LDA notarized. On 12/11/17, let borrower know LDA was received. On 12/13/17, borrower called to make December payment with suspense funds. On 12/15/17, borrower made payment. On 03/01/18, agent made contact with borrower and accepted letter. On 08/27/18, borrower stated got behind due to extra expenses. On 09/07/18, borrower stated was in car accident.and is not able to make payment. On 09/19/18, borrower stated was in car accident and have extra expenses. On 09/24/18, advised borrower that loss mitigation options are under review. On 10/10/18 and 10/11/18, went over loss mitigation options with borrower. On 11/29/18, borrower stated can make a payment between the 5th and 15th. On 02/13/19, discussed new escrow analysis and explained to borrower that only a $5 payment was processed. Borrower did a one time payment. There was no additional contact.   Yes No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Other Modification 09/17/2018 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 02/13/2019. There was no contact prior to 09/20/2017. On 09/21/17, borrower stated does not want to pay back fba and does not want to open loss mitigation options now. On 09/25/17, borrower stated will attempt to catch up account. On 09/26/17, borrower asked about shorting escrow to make payments. On 10/03/17, borrower stated expecting plan to be current by 12/01/17. On 10/13/17, borrower said will call back mid November to confirm if they will be able to bring account current. On 10/17/19, called borrower to see if they had any questions or concerns about hurricane disaster. On 10/30/17, borrower stated can bring account current on their own. From 11/09/17 to 11/28/17, borrower discussed monthly payments. On 11/29/17, borrower stated does not want to pursue short term help. On 11/30/17, borrower asked if needed to get LDA notarized. On 12/11/17, let borrower know LDA was received. On 12/13/17, borrower called to make December payment with suspense funds. On 12/15/17, borrower made payment. On 03/01/18, agent made contact with borrower and accepted letter. On 08/27/18, borrower stated got behind due to extra expenses. On 09/07/18, borrower stated was in car accident.and is not able to make payment. On 09/19/18, borrower stated was in car accident and have extra expenses. On 09/24/18, advised borrower that loss mitigation options are under review. On 10/10/18 and 10/11/18, went over loss mitigation options with borrower. On 11/29/18, borrower stated can make a payment between the 5th and 15th. On 02/13/19, discussed new escrow analysis and explained to borrower that only a $5 payment was processed. Borrower did a one time payment. There was no additional contact. REASON FOR DEFAULT: The reason for default is excessive obligations. 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 good. The current occupancy status is owner occupied. 3 - Current Status - Delinquent 9/25/2019
76190231 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 2 07/22/2019 Non-Owner Occupied   UTD UTD   Yes   24           N/A   0         06/12/2019 Not attempting to contact the borrower       From 08/01/2017 to 08/16/2018, there was no contact with the borrower. On 08/17/2018, the borrower called to verify if borrower's loan terms will stay the same. The borrower was advised that her loan loan terms have not changed. From 08/17/2018 to 09/04/2018, there was no contact with the borrower. On 09/05/2018, outbound call. The borrower was advised that loan was not boarded yet and unable to provide information. The borrower promised to pay once received bill statement. From 09/06/2018 to 09/12/2018, there was no contact with the borrower. On 09/13/2018, Borrower's attorney and borrower called to verify status of payment research. From 09/14/2018 to 09/17/2018, there was no contact with the borrower. On 09/18/2018, the borrower called and stated that she sent half of a payment to complete mortgage to prior servicer. From 08/19/2018 to 10/08/2018, there was no contact with the borrower. On 10/09/2018, the borrower called to verify account balance and payments made. The borrower payment dispute was resolved. From 10/10/2018 to 10/11/2018, there was no contact with the borrower. On 10/12/2018, outbound call. The borrower complaint about dialed calls. The borrower stated that she want to talk with a live person. From 10/13/2018 to 11/15/2018, there was no contact with the borrower. On 11/16/2018, outbound call. The agent advised borrower that the account is current and current servicer has received all payments. From 11/17/2018 to 12/10/2018, there was no contact with the borrower. On 12/11/2018, the borrower called to schedule a payment over the phone. From 12/12/2018 to 01/03/2019, there was no contact with the borrower. On 01/04/2019, the borrower called to get payment address. From 01/05/2018 to 02/10/2019, there was no contact with the borrower. On 02/11/2019, called to request payment address and decline to make a payment over the phone. From 02/12/2019 to 06/11/2019, the borrower called to verify payment previously made. From 06/12/2019 to 07/31/2019, there was no other contact with the borrower.   Somewhat No     Good Good N/A Good Moderate N/A   No No No No Yes No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                               1 Discharged   Chapter 7 XXX           No     XX/XX/XXXX       No       No     No                                       No   Yes                                                                                                                               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/12/2019. From 08/01/2017 to 08/16/2018, there was no contact with the borrower. On 08/17/2018, the borrower called to verify if borrower's loan terms will stay the same. The borrower was advised that her loan loan terms have not changed. From 08/17/2018 to 09/04/2018, there was no contact with the borrower. On 09/05/2018, outbound call. The borrower was advised that loan was not boarded yet and unable to provide information. The borrower promised to pay once received bill statement. From 09/06/2018 to 09/12/2018, there was no contact with the borrower. On 09/13/2018, Borrower's attorney and borrower called to verify status of payment research. From 09/14/2018 to 09/17/2018, there was no contact with the borrower. On 09/18/2018, the borrower called and stated that she sent half of a payment to complete mortgage to prior servicer. From 08/19/2018 to 10/08/2018, there was no contact with the borrower. On 10/09/2018, the borrower called to verify account balance and payments made. The borrower payment dispute was resolved. From 10/10/2018 to 10/11/2018, there was no contact with the borrower. On 10/12/2018, outbound call. The borrower complaint about dialed calls. The borrower stated that she want to talk with a live person. From 10/13/2018 to 11/15/2018, there was no contact with the borrower. On 11/16/2018, outbound call. The agent advised borrower that the account is current and current servicer has received all payments. From 11/17/2018 to 12/10/2018, there was no contact with the borrower. On 12/11/2018, the borrower called to schedule a payment over the phone. From 12/12/2018 to 01/03/2019, there was no contact with the borrower. On 01/04/2019, the borrower called to get payment address. From 01/05/2018 to 02/10/2019, there was no contact with the borrower. On 02/11/2019, called to request payment address and decline to make a payment over the phone. From 02/12/2019 to 06/11/2019, the borrower called to verify payment previously made. From 06/12/2019 to 07/31/2019, there was no other contact with the borrower. Borrower is deceased and ---. The date of death is unknown. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter 7. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. 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 non-owner occupied. 3 - Bankruptcy - CH 7 - Discharged w/o Reaffirmation - Current Status - Performing - Deceased Borrower(s) - No Death Certificate Received - Deceased Borrower(s) - Trustee/Heir(s) identified and documented - Loan - Subject Lien is not in 1st Position - Occupancy - Non Owner Occupied 9/25/2019
71518682 XXXXX XXXXX         Delinquent   07/31/2019 01/17/2019   Death of Mortgagor 30 1 07/24/2019 Non-Owner Occupied   Single Family Detached UTD   Yes   25           N/A   0         09/06/2018 Ongoing dialogue with borrower       There is no borrower contact from 08/01/2017 to 09/06/2018. On 09/06/2018 third party called in advised sent email. On 09/29/2018 the authorized third party called in to make payment of $2880.99. There was no borrower contact from 09/29/2018 until 01/17/2019. On 01/17/2019 third party called to advise borrower deceased. On 03/07/2019 third party called to schedule payment of $2880.03. On 06/14/2019 Spoke with third party about SII documents. On 07/03/2019 spoke with third party and advised she is getting docs together. There is no other borrower contact and the loan is 30 days delinquent.   Yes No     Fair Fair Permanent Fair Moderate Reinstatement   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                     01/17/2019 No   No                                                                                                                               No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 09/06/2018. There is no borrower contact from 08/01/2017 to 09/06/2018. On 09/06/2018 third party called in advised sent email. On 09/29/2018 the authorized third party called in to make payment of $2880.99. There was no borrower contact from 09/29/2018 until 01/17/2019. On 01/17/2019 third party called to advise borrower deceased. On 03/07/2019 third party called to schedule payment of $2880.03. On 06/14/2019 Spoke with third party about SII documents. On 07/03/2019 spoke with third party and advised she is getting docs together. There is no other borrower contact and the loan is 30 days delinquent. Borrower is deceased and ---. The date of death is 01/17/2019. REASON FOR DEFAULT: The reason for default is death of mortgagor. 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 non-owner occupied. 3 - Current Status - Delinquent - Deceased Borrower(s) - No Trustee/heir of Property Noted - Deceased Borrower(s) - No Death Certificate Received - Delinquency Prognosis - Permanent - Occupancy - Non Owner Occupied 9/25/2019
74957503 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/11/2019 Owner Occupied   UTD UTD   Yes   12           N/A   0           Not attempting to contact the borrower No       Yes   No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No           Yes           1 Completed                                 Deferment was completed on XX/XX/XXXX.                                                                                                                                                                                                                                     06/19/2018 Yes 08/24/2018 No                                                                                                                               No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: No evidence of recent contact with the borrower. Borrower is deceased and ---. The date of death is 06/19/2018. 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. Deferment was completed on 10/11/2017 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. ADDITIONAL INFORMATION There was no contact or attempt to contact borrower throughout the review period. Loan is current. 3 - Current Status - Performing - Deceased Borrower(s) - No Trustee/heir of Property Noted 9/25/2019
77764420 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 2 07/29/2019 Owner Occupied   UTD UTD   Yes   16           N/A   0         11/15/2018 Not attempting to contact the borrower       No borrower contact prior to 04/11/2018. On 04/11/2018 the borrower promised to pay $483.87 drafting on 04/11/2018. On 06/15/2018 the borrower promised to pay $967.74. On 07/27/2018 the borrower promised to pay $483.87 drafting on 07/27/2018. On 09/06/2018 the borrower promised to pay $508.06 drafting on 09/06/2018. On 10/09/2018 the borrower advised spouse is ill with cancer and spouse is only one working at the moment. Borrower scheduled payments to draft on 090/9/2018 and 10/31/2018. On 11/15/2018 the borrower made a payment in the amount of $1,000.000. No further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes           1 Completed             Monthly                                                                                                                                                                                                                                                                                                                                                                                               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 11/15/2018. No borrower contact prior to 04/11/2018. On 04/11/2018 the borrower promised to pay $483.87 drafting on 04/11/2018. On 06/15/2018 the borrower promised to pay $967.74. On 07/27/2018 the borrower promised to pay $483.87 drafting on 07/27/2018. On 09/06/2018 the borrower promised to pay $508.06 drafting on 09/06/2018. On 10/09/2018 the borrower advised spouse is ill with cancer and spouse is only one working at the moment. Borrower scheduled payments to draft on 090/9/2018 and 10/31/2018. On 11/15/2018 the borrower made a payment in the amount of $1,000.000. No further contact. 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. 2 - Current Status - Performing - Loan - Subject Lien is not in 1st Position 9/25/2019
76172202 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         04/18/2019 Contact attempts - however unable to contact borrower       No borrower contact prior to 11/29/2017. On 11/29/2017 the borrower called in to inquiry into how to pay late fee's, was provided options to make payment. On 01/31/2018 the borrower called in checking on the options to retain the property, advised of temporary reduction of income and checking if a defer of payment can take place. On 06/21/2018 the borrower called in to advise fell behind due to having to help 2 kids with college tuition expenses, requested a 3 month deferment. On 07/10/2018 the borrower was advised that a 3 month deferment approved pending scheduled July payment to post on or before 7/15/2018, borrower scheduled payment for 07/13/2018. On 08/13/2018 the borrower called in asking if we have been in touch with the XXX.. On 08/27/2018 the borrower called in wanted to know why the balance was more than the payment, advised due to late charges. On 09/13/2018 the borrower advised had to pay the water company a lump sum money and now it put her behind on other bills. On 10/16/2018 the borrower stated that the August and September payments have not been reported to the credit bureau. On 10/18/2018 the borrower promised to pay on 10/24/2018 the amount of $1,898.33. On 10/19/2018 the borrower stated that we have not been reporting to the credit agencies filed complaint and educated on how to send in a dispute. On 10/31/2018 the borrower was advised of the payment increase stems from an insurance increase. On 04/18/2019 The borrower made a promise to pay and also advised her XXX report states she is behind. No further contact all attempts were unsuccessful.   Yes Yes Written Yes Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: No borrower contact prior to 11/29/2017. On 11/29/2017 the borrower called in to inquiry into how to pay late fee's, was provided options to make payment. On 01/31/2018 the borrower called in checking on the options to retain the property, advised of temporary reduction of income and checking if a defer of payment can take place. On 06/21/2018 the borrower called in to advise fell behind due to having to help 2 kids with college tuition expenses, requested a 3 month deferment. On 07/10/2018 the borrower was advised that a 3 month deferment approved pending scheduled July payment to post on or before 7/15/2018, borrower scheduled payment for 07/13/2018. On 08/13/2018 the borrower called in asking if we have been in touch with the XXX.. On 08/27/2018 the borrower called in wanted to know why the balance was more than the payment, advised due to late charges. On 09/13/2018 the borrower advised had to pay the water company a lump sum money and now it put her behind on other bills. On 10/16/2018 the borrower stated that the August and September payments have not been reported to the credit bureau. On 10/18/2018 the borrower promised to pay on 10/24/2018 the amount of $1,898.33. On 10/19/2018 the borrower stated that we have not been reporting to the credit agencies filed complaint and educated on how to send in a dispute. On 10/31/2018 the borrower was advised of the payment increase stems from an insurance increase. On 04/18/2019 The borrower made a promise to pay and also advised her XXX report states she is behind. No further contact all attempts were unsuccessful. 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. 2 - Current Status - Performing 9/25/2019
75399959 XXXXX XXXXX         Performing Regular Payments 07/31/2019 07/10/2019   N/A 0 1 08/13/2019 Owner Occupied   UTD Good 04/11/2019 Yes   15           N/A   0         07/15/2019 Ongoing dialogue with borrower       No contact prior to 08/2/18. On 8/2/18 the borrower was advised that partial payment cannot be taken. On 8/31/18 the borrower advised the suspense funds can be used for July payment. Spouse stated should be able to get current and make another payment by the end of the month. Borrower stated they had been overseas and they are in the process of trying to have back surgery and does not have health insurance. On 11/7/18 went over fees with the spouse. Spouse stated they will have the borrower call. On 11/21/18 went over retention and non retention options. Borrower is looking for a new job. On 12/18/18 the borrower stated they will not be going to overseas as much and wants to keep property. Borrower stated the payment can be made the first week of January. On 3/1/19 Spoke with spouse and borrower needed to leave the country for sick parent and is self employed. On 4/17/19 Borrower set up a one time draft. Borrower had to stay out of the country longer due to a family member's heart attack. On 6/4/19 the borrower did one time draft. On 7/15/19 the borrower was called regarding payment and did a one time draft. No further contact noted.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/15/2019. No contact prior to 08/2/18. On 8/2/18 the borrower was advised that partial payment cannot be taken. On 8/31/18 the borrower advised the suspense funds can be used for July payment. Spouse stated should be able to get current and make another payment by the end of the month. Borrower stated they had been overseas and they are in the process of trying to have back surgery and does not have health insurance. On 11/7/18 went over fees with the spouse. Spouse stated they will have the borrower call. On 11/21/18 went over retention and non retention options. Borrower is looking for a new job. On 12/18/18 the borrower stated they will not be going to overseas as much and wants to keep property. Borrower stated the payment can be made the first week of January. On 3/1/19 Spoke with spouse and borrower needed to leave the country for sick parent and is self employed. On 4/17/19 Borrower set up a one time draft. Borrower had to stay out of the country longer due to a family member's heart attack. On 6/4/19 the borrower did one time draft. On 7/15/19 the borrower was called regarding payment and did a one time draft. No further contact noted. 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 good. The current occupancy status is owner occupied. 2 - Current Status - Performing 9/25/2019
79430946 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/16/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         05/11/2019 Ongoing dialogue with borrower       08/14/2017 - Borrower advised of being unable to get account current. 09/30/2017 - Borrower advised of intention to get account current. The servicer attempted to contact the borrower between 10/01/2017 and 02/26/2018, but to no avail. 02/27/2018 - The borrower scheduled a payment in the amount of $1,462.17. The servicer attempted to contact the borrower between 02/28/2018 and 05/06/2018, but to no avail. 05/07/2018 - The servicer advised that payments via the Automated Clearing House is active. The servicer attempted to contact the borrower between 05/08/2018 and 01/21/2019, but to no avail. 01/22/2019 - The borrower advised that 2 payments were sent. 02/23/2019 - The servicer inquired about the payment returned for non-sufficient funds. 02/28/2019 - The borrower advised that the payment for February will be sent. 03/05/2019 - The borrower inquired about the payment. 03/23/2019 - The borrower advised of not being interested in any loss mitigation options. 03/26/2019 - The borrower scheduled a payment on 03/21/2019 in the amount of $2,866.44 and 2 additional payments, each in the amount of $1,460, to be drafted on 04/15/2019 and 04/30/2019, respectively. 04/08/2019 - The borrower scheduled a payment in the amount of $1,460. 04/13/2019 - The borrower inquired about the grace period. 05/11/2019 - The borrower requested that the payments via the Automated Clearing House is set up for 05/15/2019. The was no contact between 05/12/2019 and 07/31/2019. The loan is current.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/11/2019. 08/14/2017 - Borrower advised of being unable to get account current. 09/30/2017 - Borrower advised of intention to get account current. The servicer attempted to contact the borrower between 10/01/2017 and 02/26/2018, but to no avail. 02/27/2018 - The borrower scheduled a payment in the amount of $1,462.17. The servicer attempted to contact the borrower between 02/28/2018 and 05/06/2018, but to no avail. 05/07/2018 - The servicer advised that payments via the Automated Clearing House is active. The servicer attempted to contact the borrower between 05/08/2018 and 01/21/2019, but to no avail. 01/22/2019 - The borrower advised that 2 payments were sent. 02/23/2019 - The servicer inquired about the payment returned for non-sufficient funds. 02/28/2019 - The borrower advised that the payment for February will be sent. 03/05/2019 - The borrower inquired about the payment. 03/23/2019 - The borrower advised of not being interested in any loss mitigation options. 03/26/2019 - The borrower scheduled a payment on 03/21/2019 in the amount of $2,866.44 and 2 additional payments, each in the amount of $1,460, to be drafted on 04/15/2019 and 04/30/2019, respectively. 04/08/2019 - The borrower scheduled a payment in the amount of $1,460. 04/13/2019 - The borrower inquired about the grace period. 05/11/2019 - The borrower requested that the payments via the Automated Clearing House is set up for 05/15/2019. The was no contact between 05/12/2019 and 07/31/2019. The loan is current. 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. 2 - Current Status - Performing 9/25/2019
71053282 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/11/2019 Owner Occupied   UTD UTD 11/11/2018 Yes   24           N/A   0           Not attempting to contact the borrower No       Yes   No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No           No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. 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. ADDITIONAL INFORMATION There was no contact established with the borrower during the review period. Hurricane michael fema disaster declared 10/14/18-01/01/21 2 - Current Status - Performing 9/25/2019
77850975 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 08/14/2019 Owner Occupied   UTD UTD 10/22/2017 Yes   24           N/A   0         08/06/2019 Not attempting to contact the borrower       There was no contact from 08/01/2018 until 10/23/18, when the borrower asked what insurance do they have. On 01/21/19, borrower stated received loss draft check. On 01/23/19, borrower called in to make a new claim. On 01/30/19, borrower stated missed calls and called in reference to returning call for wind claim. On 02/12/19, borrower stated wants co-borrower off of loan due to divorce. From 04/27/19 to 05/02/19, advised borrower need insurance declarations page. Borrower stated sent proof of insurance three times. On 05/07/19, borrower stated received letter asking to schedule inspection. Borrower stated work is almost done. On 05/09/19, borrower stated that repairs are still in progress. There was no further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No Yes No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                   Yes 01/22/2019   XXX $12,082.86 11/02/2018 Property damage due to wind. 12082.86 Wind No   01/21/2019 In Process   No   Yes Hurricane 09/20/2017 Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 08/06/2019. There was no contact from 08/01/2018 until 10/23/18, when the borrower asked what insurance do they have. On 01/21/19, borrower stated received loss draft check. On 01/23/19, borrower called in to make a new claim. On 01/30/19, borrower stated missed calls and called in reference to returning call for wind claim. On 02/12/19, borrower stated wants co-borrower off of loan due to divorce. From 04/27/19 to 05/02/19, advised borrower need insurance declarations page. Borrower stated sent proof of insurance three times. On 05/07/19, borrower stated received letter asking to schedule inspection. Borrower stated work is almost done. On 05/09/19, borrower stated that repairs are still in progress. There was no further contact. 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 evidence of property damage and the nature of the damage is wind. Property damage due to wind. The damage repair amount is estimated at $12,082.86. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Performing - There is evidence of property damage. 9/25/2019
73335547 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 2 07/22/2019 Non-Owner Occupied   UTD UTD   Yes   24           N/A   0         05/20/2019 Contact attempts - however unable to contact borrower       There was no contact prior to 08/30/2018. 8/30/18 Spoke with spouse of borrower who stated that borrower passed away on 7/25/18 and is in probate right now. Spouse stated is sending in copy of death certificate and is going to have a problem making payments. Advised a negotiator will be assigned for a workout solution. Attempts to contact spouse of borrower were unsuccessful through 5/19/19. On 5/20/19 Borrower called and wanted to have NSF fee waived. Advised that a request has been submitted. There was no further contact made.   Somewhat No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                     07/25/2018 No   Yes 08/30/2018 XXX retention                                                                                                                         No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/20/2019. There was no contact prior to 08/30/2018. 8/30/18 Spoke with spouse of borrower who stated that borrower passed away on 7/25/18 and is in probate right now. Spouse stated is sending in copy of death certificate and is going to have a problem making payments. Advised a negotiator will be assigned for a workout solution. Attempts to contact spouse of borrower were unsuccessful through 5/19/19. On 5/20/19 Borrower called and wanted to have NSF fee waived. Advised that a request has been submitted. There was no further contact made. Borrower is deceased and ---. The date of death is 07/25/2018. 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 non-owner occupied. 3 - Current Status - Performing - Deceased Borrower(s) - No Death Certificate Received - Deceased Borrower(s) - Trustee/Heir(s) identified and documented - Loan - Subject Lien is not in 1st Position - Occupancy - Non Owner Occupied 9/25/2019
74974591 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 2 07/05/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/04/2019 Ongoing dialogue with borrower       No borrower contacted was noted from 08/01/2017 to 08/20/2017. On 08/21/2017, the borrower made a payment by phone. On 09/06/2017, the borrower wanted to discuss the loan's late charges. On 09/16/2017, the borrower made a payment by phone. On 10/17/2017, the borrower made a promise to pay. On 10/25/2017, the borrower made a payment. On 01/24/2018, the borrower stated they had a curtailment of income and wanted to dispute their late fees. The dispute was resolved the same day. On 02/21/2018, the borrower inquired about their new payment amount and requested a modification. On 05/25/2018, the borrower called in to make a payment arrangement. On 06/06/2018, the borrower wanted to know about the status of their modification request. On 08/20/2018, the Servicer discussed the terms of the borrower's modification trial payment plan. On 10/01/2018, the borrower stated that they had been in the hospital and made 2 payments. On 10/10/2018, the Servicer stated that the borrower's final modification documents were being mailed out. On 05/07/2019, the borrower made a payment by phone. On 06/05/2019, the borrower made a payment by phone. On 07/04/2019, the borrower made a payment by phone.   Yes Yes Verbal Yes Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes XX/XX/XXXX         1 Completed                                                                                                                                                                                                                                                                                                                                                                                                             No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/04/2019. No borrower contacted was noted from 08/01/2017 to 08/20/2017. On 08/21/2017, the borrower made a payment by phone. On 09/06/2017, the borrower wanted to discuss the loan's late charges. On 09/16/2017, the borrower made a payment by phone. On 10/17/2017, the borrower made a promise to pay. On 10/25/2017, the borrower made a payment. On 01/24/2018, the borrower stated they had a curtailment of income and wanted to dispute their late fees. The dispute was resolved the same day. On 02/21/2018, the borrower inquired about their new payment amount and requested a modification. On 05/25/2018, the borrower called in to make a payment arrangement. On 06/06/2018, the borrower wanted to know about the status of their modification request. On 08/20/2018, the Servicer discussed the terms of the borrower's modification trial payment plan. On 10/01/2018, the borrower stated that they had been in the hospital and made 2 payments. On 10/10/2018, the Servicer stated that the borrower's final modification documents were being mailed out. On 05/07/2019, the borrower made a payment by phone. On 06/05/2019, the borrower made a payment by phone. On 07/04/2019, the borrower made a payment by phone. 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. 2 - Current Status - Performing - Loan - Subject Lien is not in 1st Position 9/25/2019
77253784 XXXXX XXXXX         Delinquent   07/31/2019 07/30/2019   Excessive Obligations 30 1 08/14/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/30/2019 Contact attempts - however unable to contact borrower       There was no contact prior to 08/31/2017. On 08/31/2017 an authorized 3rd party called in to discuss the account status. The RFD is due to a family member being hospitalized. On 02/15/2018 an authorized 3rd party called in to discuss making partial payments. On 02/27/2018 an authorized 3rd party called in to make a payment. 8/27/18 Spoke with Authorized 3rd party who stated borrowers fell behind and have not been able to make up the extra payment. 10/26/18 Authorized third party called to find out how to get registered online. Advised of the funds in suspense as well. Attempts were made to contact borrower and were unsuccessful until 3/14/19 and spoke with the spouse. Spouse stated unable to bring current. Again attempts to contact borrower were unsuccessful through 7/29/19. On 7/30/19 Authorized third party called in to make a payment. There was no further contact made.   Somewhat No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/30/2019. There was no contact prior to 08/31/2017. On 08/31/2017 an authorized 3rd party called in to discuss the account status. The RFD is due to a family member being hospitalized. On 02/15/2018 an authorized 3rd party called in to discuss making partial payments. On 02/27/2018 an authorized 3rd party called in to make a payment. 8/27/18 Spoke with Authorized 3rd party who stated borrowers fell behind and have not been able to make up the extra payment. 10/26/18 Authorized third party called to find out how to get registered online. Advised of the funds in suspense as well. Attempts were made to contact borrower and were unsuccessful until 3/14/19 and spoke with the spouse. Spouse stated unable to bring current. Again attempts to contact borrower were unsuccessful through 7/29/19. On 7/30/19 Authorized third party called in to make a payment. There was no further contact made. REASON FOR DEFAULT: The reason for default is excessive obligations. 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. 3 - Current Status - Delinquent 9/25/2019
78503041 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/19/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/08/2019 Ongoing dialogue with borrower       From 08/01/2017 through 09/05/2017, there was no contact with the borrower. On 09/06/2017, the borrower called to schedule a payment for the XXX program.The borrower called to verify ACH enrollment. From 09/06/2017 to 09/20/2017, there was no contact with the borrower. On 09/21/2017, the borrower called to schedule a payment over the phone. From 09/22/2017 to 03/01/2018, there was no contact with the borrower. On 03/02/2018, outbound call. The borrower was able to reinstate the account. From 03/03/2018 to 08/09/2018, there was no contact with the borrower. On 08/10/2018, outbound call. The borrower stated that is experimenting financial difficulties due to lack of funds. The borrower was advised to apply for a possible modification. From 08/11/2018 to 06/04/2019, there was no contact with the borrower. On 06/05/2018, outbound call. 3rd party promised to make a payment over the phone. From 06/06/2019 to 07/07/2019, there was no contact with the borrower. On 07/08/2019, the borrower called and promised to call back to schedule three payment. The borrower stated that she does not need payment assistance. The borrower called again and scheduled three payment over the phone. From 07/09/2019 to 07/12/2019, there was no contact with the borrower. On 07/13/2019 through 07/31/2019, there was no other contact with the borrower.   Yes No     Good Good N/A Good Moderate N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 08/10/2018 No Retention Yes XX/XX/XXXX $346.39 4.230%     1 Completed   Streamline modification         Monthly                   Streamline modification approved                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-New Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/08/2019. From 08/01/2017 through 09/05/2017, there was no contact with the borrower. On 09/06/2017, the borrower called to schedule a payment for the XXX program.The borrower called to verify ACH enrollment. From 09/06/2017 to 09/20/2017, there was no contact with the borrower. On 09/21/2017, the borrower called to schedule a payment over the phone. From 09/22/2017 to 03/01/2018, there was no contact with the borrower. On 03/02/2018, outbound call. The borrower was able to reinstate the account. From 03/03/2018 to 08/09/2018, there was no contact with the borrower. On 08/10/2018, outbound call. The borrower stated that is experimenting financial difficulties due to lack of funds. The borrower was advised to apply for a possible modification. From 08/11/2018 to 06/04/2019, there was no contact with the borrower. On 06/05/2018, outbound call. 3rd party promised to make a payment over the phone. From 06/06/2019 to 07/07/2019, there was no contact with the borrower. On 07/08/2019, the borrower called and promised to call back to schedule three payment. The borrower stated that she does not need payment assistance. The borrower called again and scheduled three payment over the phone. From 07/09/2019 to 07/12/2019, there was no contact with the borrower. On 07/13/2019 through 07/31/2019, there was no other 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 4.23%. The modification maturity date is unavailable. Streamline modification approved 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. 2 - Current Status - Performing 9/25/2019
76261700 XXXXX XXXXX         Delinquent   07/31/2019     UTD 30 1 08/12/2019 Owner Occupied   UTD UTD 02/22/2019 Incomplete   12 12 08/01/2017 07/31/2018     N/A   0           Contact attempts - however unable to contact borrower No       Yes   No     Fair Fair UTD Fair Moderate Reinstatement   No No No No Yes No No No No No No No No No No No No No No           No                                                                                                                                                                                               1 Closed 05/20/2019 Chapter 11 XXX XX/XX/XXXX         No     XX/XX/XXXX       No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: No evidence of recent contact with the borrower. REASON FOR DEFAULT: The reason for default is UTD. Unable to determine the reason for default with the information provided. 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 11. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is closed. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. 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. ADDITIONAL INFORMATION There was no right party contact with the borrower during the review period all attempts were unsuccessful. Prior Chapter 11 bankruptcy. Account is 30-days delinquent. 3 - Collection Comments - Incomplete -; Missing 08/01/2017 - 07/31/2018 - Current Status - Delinquent 9/25/2019
74943527 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 2 07/13/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/06/2019 Not attempting to contact the borrower       Prior to 08/31/2017, there was no contact with the borrower. From 08/31/2017 to 07/31/2018, the borrower called to make speedpay payments at the end of each month with no other items noted when borrower calls. On 08/13/2018, the borrower called to verify how many months they were behind. On 08/15/2018, the borrower made a speedpay payment for March's payment. From 09/05/2018 to 10/17/2018, the borrower inquired on payment and reason for increased payments. From 10/22/2018 to 10/24/2018, the borrower submitted a payment dispute and was advised on 10/24/2018 that the dispute was resolved. On 10/29/2018, the borrower called to make a payment but was advised of needing to make 5 payments and that one payment was not acceptable. This is readvised to the borrower on 10/30/2018. From 11/21/2018 to 06/06/2019, conversation with the borrower was for a modification and eventually, the modification was completed and account was updated. On 06/06/2019, the borrower stated that they have not received the modification and was transferred to loss mitigation. On 07/06/2019, the borrower made a promise to pay on 07/12/2019 in the amount of $1,604.58. There was no further contact with the borrower.   Yes Yes Written Yes Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes           1 Completed             Monthly                                                                                                                                                                                                                                                                                                                                                                                               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/06/2019. Prior to 08/31/2017, there was no contact with the borrower. From 08/31/2017 to 07/31/2018, the borrower called to make speedpay payments at the end of each month with no other items noted when borrower calls. On 08/13/2018, the borrower called to verify how many months they were behind. On 08/15/2018, the borrower made a speedpay payment for March's payment. From 09/05/2018 to 10/17/2018, the borrower inquired on payment and reason for increased payments. From 10/22/2018 to 10/24/2018, the borrower submitted a payment dispute and was advised on 10/24/2018 that the dispute was resolved. On 10/29/2018, the borrower called to make a payment but was advised of needing to make 5 payments and that one payment was not acceptable. This is readvised to the borrower on 10/30/2018. From 11/21/2018 to 06/06/2019, conversation with the borrower was for a modification and eventually, the modification was completed and account was updated. On 06/06/2019, the borrower stated that they have not received the modification and was transferred to loss mitigation. On 07/06/2019, the borrower made a promise to pay on 07/12/2019 in the amount of $1,604.58. There was no further 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. 2 - Current Status - Performing - Loan - Subject Lien is not in 1st Position 9/25/2019
71972035 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/19/2019 Owner Occupied   UTD UTD   Yes   12           N/A   0           Contact attempts - however unable to contact borrower No       Yes   No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No           No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. 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. ADDITIONAL INFORMATION There was no right party contact with the borrower during the review period. 2 - Current Status - Performing 9/25/2019
74041395 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/30/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/01/2019 Ongoing dialogue with borrower       There was no contact with the borrower before 8/6/2018. On 8/6/2018 the borrower called to make 2 payments for 8/12/18 and 8/22/18. On 8/20/201 the borrower called to make a change to a scheduled payment and set up to 2 payments for 9/12/18/ and 9/26/2018. On 8/27/2018 the borrower called asking why they received a foreclosure packet. The servicer advised when a loan is 60 days past due, it will automatically generate. On 9/6/2018 the co-borrower called to change previous September payment to 9/12/2018 and set up 2 additional payments for 9/26/2018 and 10/10/2018. On 10/27/2018 the borrower returned the call to the servicer. The servicer informed of the total amount due. The borrower stated will call back to make a payment. On 10/29/2018 the co-borrower call regarding late fees, stating making additional payments and asked about fees are being reduced. The servicer advised the additional funds were put in the suspense balance. The borrower stated funds need to be applied to late charges as well. Also, the borrower wanted to inquire if the city water and sewer was paid. The servicer advised no records in the system showing any bill of that received or being paid by them. The borrower stated will follow up with the city. There was no contact with the borrower from 10/30/2018 to 12/26/2018. On 12/27/2018 the borrower called to inquire about 2 months deferment so they can repair roof damage in the winter storm. Borrower is on a fixed income. The estimated cost of roof repair $160.00. The call was transfer to loss mitigation, where information was taken and submitted for review. On 12/29/2018 the called back regarding the deferment request and the servicer advise it was still under review. On 1/4/2019 the servicer called to inform them that the 2 months deferment request was approved by the lender and went over the payment, terms, and conditions of the deferment. On 1/8/2019 the borrower called to make a deferment payment. On 1/24/2019 the co-borrower called to verify the amount of the next deferment for 2/28/2019. The servicer advised the amount is $1455.79. On 2/22/2019 the co-borrower to inquire of a late fee that posted while an account is on deferment and requested a credit of $48.99. On 3/26/2019 the co-borrower called again regarding the late fee not being refunded. The servicer apologizes and resents the request. On 4/22/2019 the borrower called regarding questions with billing statement and why they are still getting collections even though on a payment plan. Also stating she cannot continue to receive all those calls on cell and at work. The servicer advised can change phone and follow update and apologizes for the calls. On 6/10/2019 the borrower to called to schedule 2 payment for 6/14/2019 and 7/20/2019. On 7/1/2019 the borrower called to updated scheduled payment from 7/5/2019 to 7/10/2019 and withdraw 2 other scheduled payments. On 07/29/2019 the borrower called to cancel the 07/29/2019 payment and schedule one for 08/14/2019. No further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes           1 Completed   deferment                                                                                                                                                                                                                                                                                                                                                                                                         No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/01/2019. There was no contact with the borrower before 8/6/2018. On 8/6/2018 the borrower called to make 2 payments for 8/12/18 and 8/22/18. On 8/20/201 the borrower called to make a change to a scheduled payment and set up to 2 payments for 9/12/18/ and 9/26/2018. On 8/27/2018 the borrower called asking why they received a foreclosure packet. The servicer advised when a loan is 60 days past due, it will automatically generate. On 9/6/2018 the co-borrower called to change previous September payment to 9/12/2018 and set up 2 additional payments for 9/26/2018 and 10/10/2018. On 10/27/2018 the borrower returned the call to the servicer. The servicer informed of the total amount due. The borrower stated will call back to make a payment. On 10/29/2018 the co-borrower call regarding late fees, stating making additional payments and asked about fees are being reduced. The servicer advised the additional funds were put in the suspense balance. The borrower stated funds need to be applied to late charges as well. Also, the borrower wanted to inquire if the city water and sewer was paid. The servicer advised no records in the system showing any bill of that received or being paid by them. The borrower stated will follow up with the city. There was no contact with the borrower from 10/30/2018 to 12/26/2018. On 12/27/2018 the borrower called to inquire about 2 months deferment so they can repair roof damage in the winter storm. Borrower is on a fixed income. The estimated cost of roof repair $160.00. The call was transfer to loss mitigation, where information was taken and submitted for review. On 12/29/2018 the called back regarding the deferment request and the servicer advise it was still under review. On 1/4/2019 the servicer called to inform them that the 2 months deferment request was approved by the lender and went over the payment, terms, and conditions of the deferment. On 1/8/2019 the borrower called to make a deferment payment. On 1/24/2019 the co-borrower called to verify the amount of the next deferment for 2/28/2019. The servicer advised the amount is $1455.79. On 2/22/2019 the co-borrower to inquire of a late fee that posted while an account is on deferment and requested a credit of $48.99. On 3/26/2019 the co-borrower called again regarding the late fee not being refunded. The servicer apologizes and resents the request. On 4/22/2019 the borrower called regarding questions with billing statement and why they are still getting collections even though on a payment plan. Also stating she cannot continue to receive all those calls on cell and at work. The servicer advised can change phone and follow update and apologizes for the calls. On 6/10/2019 the borrower to called to schedule 2 payment for 6/14/2019 and 7/20/2019. On 7/1/2019 the borrower called to updated scheduled payment from 7/5/2019 to 7/10/2019 and withdraw 2 other scheduled payments. On 07/29/2019 the borrower called to cancel the 07/29/2019 payment and schedule one for 08/14/2019. No further contact. 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. 2 - Current Status - Performing 9/25/2019
77026021 XXXXX XXXXX         Performing Regular Payments 07/31/2019 03/18/2019   N/A 0 1 07/31/2019 Owner Occupied   UTD UTD 03/05/2019 Yes   24           N/A   0         07/26/2019 Contact attempts - however unable to contact borrower       No borrower contact was noted from 08/01/2017 to 04/26/2018. On 04/27/2018, there was an inbound call from the authorized third party to inquire about letter received stating the account is due. The account is set up on automated drafting. The representative stated to disregard the letter. On 05/14/2018, the third party authorized made an inbound call and informed that the account was transferred to the new Servicer as of 05/01/2018. The third party informed the account was under a "XXX program" in which the previous Servicer deducted $189.00 per week. The representative informed the third party that this program was not available via the new Servicer and the third party had two months to "get used to" the new servicing, in order to make the full mortgage payment by the 16th every month in order to avoid being assessed a fee. The third party requested the account number and will go online in order to apply for bi-weekly payments. On 05/25/2018, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $760.84. On 07/27/2018, The Borrower's contact was via the Inbound Voice Response "IVR" to schedule a same day one time draft in the amount of $760.84. On 08/31/2018, The Borrower's contact was via the Inbound Voice Response "IVR". The borrower was transferred to a representative and scheduled a same day one time draft in the amount of $760.84. The Reason For Default documented was "service transfer". The property is owner occupied and the Borrower is not able to bring the account current. The Single Point of Contact 'SPOC" information was provided. On 08/31/2018, an e-mail was received stating that the Borrower had been trying to make a payment for two days. The Online system will not allow to make the payment and the Borrower has been on hold for over an hour in each of the 3 times attempted on an inbound call only to be disconnected. The Borrower requests to speak with someone on this same day in order to make the payment. On 09/21/2018, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $1,521.68. On 10/06/2018, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $760.84. On 11/19/2018, 17 Day Delinquency Notice mailed. On 12/28/2018, The Borrower's contact was via the Inbound Voice Response "IVR" to schedule a same day one time draft in the amount of $760.84. On 02/20/2019, the Borrower's documents :paystubs and letter of explanation were received. However, it the System Of Record "SOR" is noted that it is not required since the account is 90 days delinquent. On 03/18/2019, the contact was an inbound call from the authorized third party, spouse and homeowner. The authorized third party received a letter from Single Point of Contact 'SPOC". The Borrower's Single Point of Contact 'SPOC" was not available and was transferred to a team member. The authorized third party was working on sending in paystubs. informed that the Borrower informed was not up to date with the payments because move in of daughter who is expecting and fiance is in the Military. Borrower stated the recent medical bills are causing the excessive obligations and that requested a 3 month deferment for 12/2018, 01/2019 and 02/2019. The Borrower would then schedule a payment for 04/2019 and 05/2019 by the 15th of the month. On 03/20/2019, there was an inbound call from a third party authorized person. The third party was informed that outcome of the request of the deferment was approved contingent on scheduling payment for the current month 3/2019 and for 04/2019.The third party was also informed that if the payments were returned, the deferment will be reversed. Two payments were scheduled in the amount of $760.84 for 03/20/2019 and 04/15/2019. This arrangement brought the account up to date to the next due of 04/01/2019 from the delinquent due of 01/01/2019. (There is no indication whose funds' account was used to schedule the payment or if the third party is authorized to use the Borrower's funds account. On 03/26/2019, There was a "Door Knock" attempt at the Property. An agent delivered a sealed confidential envelope with documents. The Borrower accepted the envelope and declined the offered from the agent to complete a warm transfer call. The Borrower stated would call. Confirmed the number on file is correct. On 05/17/2019, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $755.03. On 06/28/2019, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $755.03. Last Hazard Insurance payment was made on 06/27/2019. It was due on 06/01/2019. On 07/19/2019, the last Servicer's contact attempt was via outbound e-mail. On 07/19/2019, 17 Day Delinquency Notice mailed. On 07/26/2019, The Borrower's last contact was via the Online Portal to schedule a same day one time draft in the amount of $755.03.   Somewhat No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 03/18/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/26/2019. No borrower contact was noted from 08/01/2017 to 04/26/2018. On 04/27/2018, there was an inbound call from the authorized third party to inquire about letter received stating the account is due. The account is set up on automated drafting. The representative stated to disregard the letter. On 05/14/2018, the third party authorized made an inbound call and informed that the account was transferred to the new Servicer as of 05/01/2018. The third party informed the account was under a "XXX program" in which the previous Servicer deducted $189.00 per week. The representative informed the third party that this program was not available via the new Servicer and the third party had two months to "get used to" the new servicing, in order to make the full mortgage payment by the 16th every month in order to avoid being assessed a fee. The third party requested the account number and will go online in order to apply for bi-weekly payments. On 05/25/2018, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $760.84. On 07/27/2018, The Borrower's contact was via the Inbound Voice Response "IVR" to schedule a same day one time draft in the amount of $760.84. On 08/31/2018, The Borrower's contact was via the Inbound Voice Response "IVR". The borrower was transferred to a representative and scheduled a same day one time draft in the amount of $760.84. The Reason For Default documented was "service transfer". The property is owner occupied and the Borrower is not able to bring the account current. The Single Point of Contact 'SPOC" information was provided. On 08/31/2018, an e-mail was received stating that the Borrower had been trying to make a payment for two days. The Online system will not allow to make the payment and the Borrower has been on hold for over an hour in each of the 3 times attempted on an inbound call only to be disconnected. The Borrower requests to speak with someone on this same day in order to make the payment. On 09/21/2018, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $1,521.68. On 10/06/2018, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $760.84. On 11/19/2018, 17 Day Delinquency Notice mailed. On 12/28/2018, The Borrower's contact was via the Inbound Voice Response "IVR" to schedule a same day one time draft in the amount of $760.84. On 02/20/2019, the Borrower's documents :paystubs and letter of explanation were received. However, it the System Of Record "SOR" is noted that it is not required since the account is 90 days delinquent. On 03/18/2019, the contact was an inbound call from the authorized third party, spouse and homeowner. The authorized third party received a letter from Single Point of Contact 'SPOC". The Borrower's Single Point of Contact 'SPOC" was not available and was transferred to a team member. The authorized third party was working on sending in paystubs. informed that the Borrower informed was not up to date with the payments because move in of daughter who is expecting and fiance is in the Military. Borrower stated the recent medical bills are causing the excessive obligations and that requested a 3 month deferment for 12/2018, 01/2019 and 02/2019. The Borrower would then schedule a payment for 04/2019 and 05/2019 by the 15th of the month. On 03/20/2019, there was an inbound call from a third party authorized person. The third party was informed that outcome of the request of the deferment was approved contingent on scheduling payment for the current month 3/2019 and for 04/2019.The third party was also informed that if the payments were returned, the deferment will be reversed. Two payments were scheduled in the amount of $760.84 for 03/20/2019 and 04/15/2019. This arrangement brought the account up to date to the next due of 04/01/2019 from the delinquent due of 01/01/2019. (There is no indication whose funds' account was used to schedule the payment or if the third party is authorized to use the Borrower's funds account. On 03/26/2019, There was a "Door Knock" attempt at the Property. An agent delivered a sealed confidential envelope with documents. The Borrower accepted the envelope and declined the offered from the agent to complete a warm transfer call. The Borrower stated would call. Confirmed the number on file is correct. On 05/17/2019, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $755.03. On 06/28/2019, The Borrower's contact was via the Online Portal to schedule a same day one time draft in the amount of $755.03. Last Hazard Insurance payment was made on 06/27/2019. It was due on 06/01/2019. On 07/19/2019, the last Servicer's contact attempt was via outbound e-mail. On 07/19/2019, 17 Day Delinquency Notice mailed. On 07/26/2019, The Borrower's last contact was via the Online Portal to schedule a same day one time draft in the amount of $755.03. 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. 2 - Current Status - Performing 9/25/2019
74638774 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 2 07/31/2019 Owner Occupied   UTD UTD   Yes   14           N/A   0         05/15/2019 Not attempting to contact the borrower       There was no contact with borrower from 08/01/2017-08/05/2018, Borrower called to schedule an offset of a payment in the amount of $60.92 on 08/06/2018. Call received from borrower on 09/06/2018 with associate completing the welcome call. Borrower called on 09/18/2018 borrower called to inquire as to why they are receiving calls. Associate informed of the new account and payment due. Borrower stated they are living in the property and plans on keeping it and RFD was due to being out of town and they will send payment today to care f the account and had no further questions. Associate made contact with borrower on 09/25/2018 regarding their 2 loans, with the 1st lien showing due for 09/15 and payment was received on 09/24/2018 and check received shows $1065 and the written part shows 1000.65 and was advised of the difference of $64.15, with borrower stating they will send out the difference by mail and stated the 1st lien should be due for 10/15. Borrower stated they have been on the XXX program and they were making the last payment in September per the documentation they have. Associate then explained the 2nd lien is due for 04/15/2018 with a payment being received on 09/20 for March. Borrower stated they were not under XXX for the 2nd lien and stated they have made all payments through August at least and associate stated they would document. Comment dated 10/04/2018 borrower called to discuss the account and about the calls. Associate informed borrower calls are automated and informed borrower they have multiple accounts servicer handles and the call was for another account and informed borrower this account is due for 4 and transferred the call to the 2nd lien department for further assistance. Borrower called on 10/10/2018 in regard to authorization they sent for their spouse and associate informed it was received. Borrower stated they are trying to get caught up and stated when they were with the prior servicer they were making payments they would apply for one month instead of applying them to the next months payment and stated the 1st lien is on XXX but was paying this account. Associate informed they are 6 months past due and advised of a modification and borrower agreed and provided the gross income as they are on disability and trying to get cleared by doctor to return to work. Associate informed borrower they will work the terms and follow up on 10/15/2018. Borrower was advised SPOC is still waiting on investor approval and would hold calls thru Friday the 23rd cited on 11/19/2018. Associate spoke with spouse on 11/23/2018 to inform of the approval, trial amount and first due 01/01/12019. Comment dated 11/27/2018 borrower accepted the offer and associate informed payments will begin in January and have to make payments in the month it is due. Borrower stated they will mail payments and associate informed they would not be able to be setup on ACH until the account is current. On 11/30/2019 borrower stated they did not want to put in a complaint about the calls and associate informed borrower they will update the account to 01/01/2019 as that is when the first payment is due. Comment dated 12/13/2018 borrower called in regard to letter they received and wanted to know what is going on. Associate informed borrower loan was approved for modification and they will continue to get statements and letters on the original status until after the modification is booked. Borrower wanted to know if they can get a deferment on the 1st mortgage. Associate informed borrower of the due date and XXX made the December payment. Borrower stated they were not aware and associate informed 1st lien is due for 01/15/2019. Borrower understood and wanted to speak with the 1st lien department to investigate a refinance with parent company or outside bank. Servicer contacted borrower on 12/18/2018 and spoke with spouse informing they would hold calls through 01/01/2019. On 01/03/2019 spouse call stating they received insurance notice and was advised to fax to insurance department and inquired if the 01/15/2019 payment could be deferred and was advised they need to speak with 1st lien department. On 02/01/2019 borrower called to see if the loan was current as the have loss mitigation. Associate informed borrower they are still under the trial and payment needs to be made on or before 03/01/2019 for the modification to process and provided the fax information for insurance. Borrower called on 02/08/2019 and on 03/05/2019 as to why they are still receiving calls when they are on a payment plan and permanent documents are completed and informed the 1st lien is current. Associate spoke with spouse on 03/07/2019 who informed the modification documents have been received and will have notarized at the bank. Comment dated 03/11/2019 borrower called requesting help with modification documents, stating they are waiting on spouse as they are out of town. Associate informed borrower their name is the only name on the document and advised borrower spouse can witness and to get another witness along with notary. Borrower wanted to know why 2 documents and was informed one copy is for them, but both will need to be signed and returned to place stamp. On 03/22/2019 spouse called to make payment using debit card for the first payment under the modification and was transferred to insurance as they had questions. Borrower was called on 04/06/2019 as the system was showing loan due for 12/15/2018. Associate informed borrower SPOC is working to get this corrected. Spouse called on 04/13/2019 stating they were unable to set up ACH online and was informed the corrections to the loan has not been completed. Borrower called on 04/23/2019 regarding letter they received showing a different amount. Borrower was informed to disregard the letter and as they are waiting on the fulfillment team to update the account and informed next due for 05/01/2019. On 05/01/2019 borrower inquired about their payments and was informed loan ending 7921 is current and the HELOC is due for 3 payments. Borrower inquired as to why they are receiving calls and was informed the loan is showing due and was transferred to 2nd lien department. Borrower spoke with 2nd lien department stating the loan should be showing current as the final modification documents were submitted and is still showing delinquent. Associate informed they would reach out to the fulfillment department to inform of the error. Borrower logged a complaint on 05/03/2019 as they sleep during the day and is tired of the calls. Comment dated 05/15/2019 the borrower stated they work 3rd shift and was provided email address to submit request to find out the status of the modification. No further contact or attempted contact was noted. Loan is current.   Yes No     Good Good N/A Good Weak N/A   No No No No Yes No No No No No No No No No No No No No No No       Retention Yes XX/XX/XXXX         1 Completed                                 Loan was approved for trial modification with payments in the amount of $108.18. Modification booked on XX/XX/XXXX.                                                                                                                                               1 Discharged 09/04/2018 Chapter 7 XXX           No     XX/XX/XXXX       No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: There was no contact with borrower from 08/01/2017-08/05/2018, Borrower called to schedule an offset of a payment in the amount of $60.92 on 08/06/2018. Call received from borrower on 09/06/2018 with associate completing the welcome call. Borrower called on 09/18/2018 borrower called to inquire as to why they are receiving calls. Associate informed of the new account and payment due. Borrower stated they are living in the property and plans on keeping it and RFD was due to being out of town and they will send payment today to care f the account and had no further questions. Associate made contact with borrower on 09/25/2018 regarding their 2 loans, with the 1st lien showing due for 09/15 and payment was received on 09/24/2018 and check received shows $1065 and the written part shows 1000.65 and was advised of the difference of $64.15, with borrower stating they will send out the difference by mail and stated the 1st lien should be due for 10/15. Borrower stated they have been on the XXX program and they were making the last payment in September per the documentation they have. Associate then explained the 2nd lien is due for 04/15/2018 with a payment being received on 09/20 for March. Borrower stated they were not under XXX for the 2nd lien and stated they have made all payments through August at least and associate stated they would document. Comment dated 10/04/2018 borrower called to discuss the account and about the calls. Associate informed borrower calls are automated and informed borrower they have multiple accounts servicer handles and the call was for another account and informed borrower this account is due for 4 and transferred the call to the 2nd lien department for further assistance. Borrower called on 10/10/2018 in regard to authorization they sent for their spouse and associate informed it was received. Borrower stated they are trying to get caught up and stated when they were with the prior servicer they were making payments they would apply for one month instead of applying them to the next months payment and stated the 1st lien is on XXX but was paying this account. Associate informed they are 6 months past due and advised of a modification and borrower agreed and provided the gross income as they are on disability and trying to get cleared by doctor to return to work. Associate informed borrower they will work the terms and follow up on 10/15/2018. Borrower was advised SPOC is still waiting on investor approval and would hold calls thru Friday the 23rd cited on 11/19/2018. Associate spoke with spouse on 11/23/2018 to inform of the approval, trial amount and first due 01/01/12019. Comment dated 11/27/2018 borrower accepted the offer and associate informed payments will begin in January and have to make payments in the month it is due. Borrower stated they will mail payments and associate informed they would not be able to be setup on ACH until the account is current. On 11/30/2019 borrower stated they did not want to put in a complaint about the calls and associate informed borrower they will update the account to 01/01/2019 as that is when the first payment is due. Comment dated 12/13/2018 borrower called in regard to letter they received and wanted to know what is going on. Associate informed borrower loan was approved for modification and they will continue to get statements and letters on the original status until after the modification is booked. Borrower wanted to know if they can get a deferment on the 1st mortgage. Associate informed borrower of the due date and XXX made the December payment. Borrower stated they were not aware and associate informed 1st lien is due for 01/15/2019. Borrower understood and wanted to speak with the 1st lien department to investigate a refinance with parent company or outside bank. Servicer contacted borrower on 12/18/2018 and spoke with spouse informing they would hold calls through 01/01/2019. On 01/03/2019 spouse call stating they received insurance notice and was advised to fax to insurance department and inquired if the 01/15/2019 payment could be deferred and was advised they need to speak with 1st lien department. On 02/01/2019 borrower called to see if the loan was current as the have loss mitigation. Associate informed borrower they are still under the trial and payment needs to be made on or before 03/01/2019 for the modification to process and provided the fax information for insurance. Borrower called on 02/08/2019 and on 03/05/2019 as to why they are still receiving calls when they are on a payment plan and permanent documents are completed and informed the 1st lien is current. Associate spoke with spouse on 03/07/2019 who informed the modification documents have been received and will have notarized at the bank. Comment dated 03/11/2019 borrower called requesting help with modification documents, stating they are waiting on spouse as they are out of town. Associate informed borrower their name is the only name on the document and advised borrower spouse can witness and to get another witness along with notary. Borrower wanted to know why 2 documents and was informed one copy is for them, but both will need to be signed and returned to place stamp. On 03/22/2019 spouse called to make payment using debit card for the first payment under the modification and was transferred to insurance as they had questions. Borrower was called on 04/06/2019 as the system was showing loan due for 12/15/2018. Associate informed borrower SPOC is working to get this corrected. Spouse called on 04/13/2019 stating they were unable to set up ACH online and was informed the corrections to the loan has not been completed. Borrower called on 04/23/2019 regarding letter they received showing a different amount. Borrower was informed to disregard the letter and as they are waiting on the fulfillment team to update the account and informed next due for 05/01/2019. On 05/01/2019 borrower inquired about their payments and was informed loan ending 7921 is current and the HELOC is due for 3 payments. Borrower inquired as to why they are receiving calls and was informed the loan is showing due and was transferred to 2nd lien department. Borrower spoke with 2nd lien department stating the loan should be showing current as the final modification documents were submitted and is still showing delinquent. Associate informed they would reach out to the fulfillment department to inform of the error. Borrower logged a complaint on 05/03/2019 as they sleep during the day and is tired of the calls. Comment dated 05/15/2019 the borrower stated they work 3rd shift and was provided email address to submit request to find out the status of the modification. No further contact or attempted contact was noted. Loan is current. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter 7. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. 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. Loan was approved for trial modification with payments in the amount of $108.18. Modification booked 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. 2 - Bankruptcy - CH 7 - Discharged w/o Reaffirmation - Current Status - Performing - Loan - Subject Lien is not in 1st Position 9/25/2019
76913667 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/08/2019 Ongoing dialogue with borrower       On August 03, 2017, the authorized third party called in about the status of the modification. They were advised they were on a three month trial plan with payments to begin on August 01, 2017. On September 27, 2017, the borrower called in and made a payment. On October 11, 2017, the borrower called in and discussed the modification and that they paid their own taxes and insurance. On October 27, 2017, the authorized third party called in about the modification. They were advised to sign and date the final modification. On February 07, 2018, the borrower called in and set up several payments. The authorized third party called in on April 03, 2018, and requested to make adjustments to repayment plan due to medical issues. The authorized third party called in on May 02, 2018, and made a payment and sechuled future payments. On May 21, 2018, the authorized third party called in regarding a returned payment. They stated when the borrower was back they would make another payment. The authorized third party called in on May 22, 2018, to make a payment. The borrower called on August 01, 2018, about the repayment plan payments and a payment increase. The customer was advised that because the account was delinquent the representative would not recommend going back to the monthly payment amount. On October 11, 2018, the authorized third party called in about the account. They stated the borrower had been in the hospital, but was released now. The authorized third agreed to have taxes and insurance added to the account. The authorized third party called on October 19, 2018, and requested to be reviewed for loss mitigation options. The representative advised they were in review and the servicer was waiting on documentation. The authorized third party advised that the co-borrower had passed away. The servicer contacted the borrower on November 02, 2018, and discussed the repayment plan and the total amount due. On December 01, 2018, the authorized third party called in and set up a payment. They stated the they were told they were not qualified for retention options. On March 20, 2019, the authorized third party called in and set up a payment for April 01, 2019. ON July 08, 2019, called and set up a payment for July 31, 2019.   Yes No     Good Fair N/A Good Moderate N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                       Yes 10/19/2018 Yes   Co-Borrower Retention                                                                                                                         No No   No   Yes Completed   06/11/2019             Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/08/2019. On August 03, 2017, the authorized third party called in about the status of the modification. They were advised they were on a three month trial plan with payments to begin on August 01, 2017. On September 27, 2017, the borrower called in and made a payment. On October 11, 2017, the borrower called in and discussed the modification and that they paid their own taxes and insurance. On October 27, 2017, the authorized third party called in about the modification. They were advised to sign and date the final modification. On February 07, 2018, the borrower called in and set up several payments. The authorized third party called in on April 03, 2018, and requested to make adjustments to repayment plan due to medical issues. The authorized third party called in on May 02, 2018, and made a payment and sechuled future payments. On May 21, 2018, the authorized third party called in regarding a returned payment. They stated when the borrower was back they would make another payment. The authorized third party called in on May 22, 2018, to make a payment. The borrower called on August 01, 2018, about the repayment plan payments and a payment increase. The customer was advised that because the account was delinquent the representative would not recommend going back to the monthly payment amount. On October 11, 2018, the authorized third party called in about the account. They stated the borrower had been in the hospital, but was released now. The authorized third agreed to have taxes and insurance added to the account. The authorized third party called on October 19, 2018, and requested to be reviewed for loss mitigation options. The representative advised they were in review and the servicer was waiting on documentation. The authorized third party advised that the co-borrower had passed away. The servicer contacted the borrower on November 02, 2018, and discussed the repayment plan and the total amount due. On December 01, 2018, the authorized third party called in and set up a payment. They stated the they were told they were not qualified for retention options. On March 20, 2019, the authorized third party called in and set up a payment for April 01, 2019. ON July 08, 2019, called and set up a payment for July 31, 2019. Borrower is deceased and ---. The date of death is unknown. 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. 3 - Current Status - Performing - Deceased Borrower(s) - Trustee/Heir(s) identified and documented 9/25/2019
70231372 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/27/2019 Contact attempts - however unable to contact borrower       From 8/1/2017 to 8/11/2017 The authorized third party called and discussed the death of the borrower, the death certificate and other documents sent in. No contact from 8/12/2017 to 12/14/2017. On 12/15/2017 the third party called to see if the HAMP modification was updated. The agent advised this was completed with the prior servicer. No contact from 12/16/2017 to 1/30/2018. On 1/31/2018 the third party called and stated will make a payment on 2/1/2018. On 2/6/2018 outbound contact mad with the third party for a payment, The third party advised will make 2 payments on 2/7/2018. No contact from 2/7/2018 to 3/22/2018. On 3/23/2018 the third party called about the executor paperwork. From 3/24/2018 to 6/8/2018 contact with the third party was for access to allow payments online and loss mitigation efforts. On 6/18/2018 the third party states will be late on making payments. No contact from 6/19/2018 to 7/17/2018. On 7/18/2018 the third party called to make a payment. No contact from 7/19/2018 to 8/9/2018. On 8/10/2018 the third party called to schedule a payment. No contact from 8/11/2018 to 9/9/2018. On 9/10/2018 the third party called to make a payment. No contact from 9/11/2018 to 11/29/2018. On 11/30/2018 the third party called to schedule a payment. No contact from 12/1/2018 to 1/10/2019. On 1/11/2019 the third party called and stated the borrower is deceased. No contact from 1/12/2019 to 4/17/2019. On 4/18/2019 the third party called and stated the payment would be late and scheduled a payment. No contact from 4/19/2019 to 5/5/2019. On 5/6/2019 the third party scheduled a payment. No contact from 5/7/2019 to 6/26/019. On 6/27/2019 the third party called to set up payment arrangements for 7/15/2019. No further contact with the third party through 7/31/2019. The loan is currently performing.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                       Yes 01/15/2019 No                                                                                                                               No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/27/2019. From 8/1/2017 to 8/11/2017 The authorized third party called and discussed the death of the borrower, the death certificate and other documents sent in. No contact from 8/12/2017 to 12/14/2017. On 12/15/2017 the third party called to see if the HAMP modification was updated. The agent advised this was completed with the prior servicer. No contact from 12/16/2017 to 1/30/2018. On 1/31/2018 the third party called and stated will make a payment on 2/1/2018. On 2/6/2018 outbound contact mad with the third party for a payment, The third party advised will make 2 payments on 2/7/2018. No contact from 2/7/2018 to 3/22/2018. On 3/23/2018 the third party called about the executor paperwork. From 3/24/2018 to 6/8/2018 contact with the third party was for access to allow payments online and loss mitigation efforts. On 6/18/2018 the third party states will be late on making payments. No contact from 6/19/2018 to 7/17/2018. On 7/18/2018 the third party called to make a payment. No contact from 7/19/2018 to 8/9/2018. On 8/10/2018 the third party called to schedule a payment. No contact from 8/11/2018 to 9/9/2018. On 9/10/2018 the third party called to make a payment. No contact from 9/11/2018 to 11/29/2018. On 11/30/2018 the third party called to schedule a payment. No contact from 12/1/2018 to 1/10/2019. On 1/11/2019 the third party called and stated the borrower is deceased. No contact from 1/12/2019 to 4/17/2019. On 4/18/2019 the third party called and stated the payment would be late and scheduled a payment. No contact from 4/19/2019 to 5/5/2019. On 5/6/2019 the third party scheduled a payment. No contact from 5/7/2019 to 6/26/019. On 6/27/2019 the third party called to set up payment arrangements for 7/15/2019. No further contact with the third party through 7/31/2019. The loan is currently performing. Borrower is deceased and ---. The date of death is unknown. 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. ADDITIONAL INFORMATION Borrower date of death was not located in comments. 3 - Current Status - Performing - Deceased Borrower(s) - No Trustee/heir of Property Noted 9/25/2019
79431999 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 08/14/2019 Owner Occupied   UTD UTD   Incomplete   15 10 08/01/2017 05/03/2018     N/A   0         08/12/2019 Ongoing dialogue with borrower       No Contact from 5/4/2018 to 5/30/2018. On 5/31/2018 the borrower called to discuss the payment. From 2/12/2018 to 6/29/2018 the borrower discussed payment and loss mitigation assistance. No contact from 6/30/2018 to 7/16/2018. On 7/17/2018 the borrower called about reinstatement funds that was returned and was advised by the agent it was not sufficient enough. No contact from 7/18/2018 to 9/20/2018. From 9/20/2018 to 11/19/2018 the contact was for loss mitigation efforts. No contact from 11/20/2018 to 12/10/2018. On 12/11/2018 the borrower was provided the reinstatement amount. No contact from 12/12/2018 to 1/8/2019. From 1/9/2019 to 3/5/2019 the borrower requested loss mitigation assistance. On 3/6/2019 the borrower called to advise will be filing bankruptcy. No contact from 3/7/2019 to 5/9/2019. The borrower called to provide the attorney contact information. No contact from 5/11/2019 to 6/10/2019. From 6/11/2019 to 6/25/2019 contact was for reinstatement figures and payments. From 7/2/2019 to 8/12/2019 contact was for the escrow shortage and 5 year repayment option accepted by the borrower. No further contact through 8/31/2019. The loan is currently performing.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 02/06/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 08/12/2019. No Contact from 5/4/2018 to 5/30/2018. On 5/31/2018 the borrower called to discuss the payment. From 2/12/2018 to 6/29/2018 the borrower discussed payment and loss mitigation assistance. No contact from 6/30/2018 to 7/16/2018. On 7/17/2018 the borrower called about reinstatement funds that was returned and was advised by the agent it was not sufficient enough. No contact from 7/18/2018 to 9/20/2018. From 9/20/2018 to 11/19/2018 the contact was for loss mitigation efforts. No contact from 11/20/2018 to 12/10/2018. On 12/11/2018 the borrower was provided the reinstatement amount. No contact from 12/12/2018 to 1/8/2019. From 1/9/2019 to 3/5/2019 the borrower requested loss mitigation assistance. On 3/6/2019 the borrower called to advise will be filing bankruptcy. No contact from 3/7/2019 to 5/9/2019. The borrower called to provide the attorney contact information. No contact from 5/11/2019 to 6/10/2019. From 6/11/2019 to 6/25/2019 contact was for reinstatement figures and payments. From 7/2/2019 to 8/12/2019 contact was for the escrow shortage and 5 year repayment option accepted by the borrower. No further contact through 8/31/2019. The loan is currently performing. 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. 2 - Collection Comments - Incomplete -; Missing 08/01/2017 - 05/03/2018 - Collection comments are missing or incomplete. - Current Status - Performing 9/25/2019
79207363 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 2 07/29/2019 Non-Owner Occupied   UTD UTD   Yes   13           N/A   0         10/12/2018 Contact attempts - however unable to contact borrower       There is no borrower contact from 08/01/2017 to 09/04/2018. On 9/4/18 the borrower 1 said borrower 2 passed away and does not know where all the paperwork is. On 9/5/18 the borrower called and wanted a copy of the original note mailed and a payoff good through 10/4/18. On 10/12/18 the borrower called and stated spouse passed away. The borrower was advised to send in the death certificate. There were no other contacts with the borrower.   Somewhat No     Good Good N/A Good Weak N/A   No No No No Yes No No No No Yes No No No No No No No No No No       Retention Yes           1 Completed             Monthly                                                                                                                                                                   1 Discharged 10/05/2018 Chapter 13             No             No       No     No                                       No   Yes 10/12/2018 spouse                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 10/12/2018. There is no borrower contact from 08/01/2017 to 09/04/2018. On 9/4/18 the borrower 1 said borrower 2 passed away and does not know where all the paperwork is. On 9/5/18 the borrower called and wanted a copy of the original note mailed and a payoff good through 10/4/18. On 10/12/18 the borrower called and stated spouse passed away. The borrower was advised to send in the death certificate. There were no other contacts with the borrower. Borrower is deceased and ---. The date of death is unknown. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The chapter is Chapter 13. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. 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 non-owner occupied. ADDITIONAL INFORMATION Borrower's date of death was not located in comments. 3 - Current Status - Performing - Deceased Borrower(s) - No Death Certificate Received - Deceased Borrower(s) - Trustee/Heir(s) identified and documented - Loan - Subject Lien is not in 1st Position - Occupancy - Non Owner Occupied 9/25/2019
77181324 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 08/10/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         05/18/2019 Ongoing dialogue with borrower       08/08/2017 - The borrower inquired about refinancing options. 01/06/2018 - The servicer advised that payments via the Automated Clearing House is active. 02/24/2018 - The borrower inquired about being unable to access the account online. 07/07/2018 - The borrower contacted the servicer to make a general inquiry regarding the account. 07/23/2018 - The borrower made a request to have the online password changed. 05/08/2019 - The borrower informed the servicer that the co-borrower is deceased. The account is current.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                       Yes 05/14/2019 No                                                                                                                               No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/18/2019. 08/08/2017 - The borrower inquired about refinancing options. 01/06/2018 - The servicer advised that payments via the Automated Clearing House is active. 02/24/2018 - The borrower inquired about being unable to access the account online. 07/07/2018 - The borrower contacted the servicer to make a general inquiry regarding the account. 07/23/2018 - The borrower made a request to have the online password changed. 05/08/2019 - The borrower informed the servicer that the co-borrower is deceased. The account is current. Borrower is deceased and ---. The date of death is unknown. 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. 3 - Current Status - Performing - Deceased Borrower(s) - No Trustee/heir of Property Noted 9/25/2019
78342093 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/29/2019 Owner Occupied   UTD UTD   Yes   12           N/A   0         07/02/2019 Ongoing dialogue with borrower       Initial contact was made during the review period on 12/29/2017; in which the borrower inquired about a refinance. Contact was made on 1/11/2018, in which the borrower had an account inquiry. Contact was made on 4/26/2018, in which the borrower inquired about the requested modification documents. Contact was made on 08/07/2018 to complete the welcome call; the borrower stated they have not received the welcome letter and will not make a payment until it is received. Comments dated 11/14/2018 indicated the coborrower informed borrower makes payment on the 14th of the month online. Associate made contact on 01/04/2019 in which the borrower stated they would be making payment online on the 13th. Comment dated 02/18/2019 indicated coborrower called to verify email for supervisor to have the NSF removed and inquired about the deferred balance. Associate made contact with borrower on 03/26/2019 with borrower stating it was inconvenient. Borrower called to discuss payment they have scheduled for today and stated funds will not be available and wanted to change the date and call was transferred and payment date was adjusted as borrower had unexpected expenses. Borrower called again because they were informed that they did not turn in the modification documents in time and borrower stated they over-nighted the documents; call was transferred to loss mitigation. Borrower spoke with loss mitigation regarding the denial letter they received. Associate informed borrower the documents they did receive were back in February and advised have not received any documents since then. Borrower stated they mailed the documents certified mail to Greenville, SC but could not confirm the address and associate advised borrower to send in either by fax or email. The fax number was provided and borrower stated they will have them resent. Associate informed borrower to pull the BAF from the website and borrower stated they will send documents today. Associate spoke with borrower on 05/21/2019 to inform they need 2 more pay stubs as they are paid weekly. On 06/04/2019 associate spoke with coborrower who declined to schedule payment and stated it would be made online within the grace period. Associate made contact with the co-borrower who stated they are away right now but will make payment online including the late fee. Borrower called on 07/19/209 to cancel scheduled payment and declined to reschedule the payment but will call back when they have the funds in hand. There was no additional contact made with the borrower during the remainder of the review period. Loan is current.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes           1 Completed                                                                                                                                                                                                                                                                                                                                                                                                             No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/02/2019. Initial contact was made during the review period on 12/29/2017; in which the borrower inquired about a refinance. Contact was made on 1/11/2018, in which the borrower had an account inquiry. Contact was made on 4/26/2018, in which the borrower inquired about the requested modification documents. Contact was made on 08/07/2018 to complete the welcome call; the borrower stated they have not received the welcome letter and will not make a payment until it is received. Comments dated 11/14/2018 indicated the coborrower informed borrower makes payment on the 14th of the month online. Associate made contact on 01/04/2019 in which the borrower stated they would be making payment online on the 13th. Comment dated 02/18/2019 indicated coborrower called to verify email for supervisor to have the NSF removed and inquired about the deferred balance. Associate made contact with borrower on 03/26/2019 with borrower stating it was inconvenient. Borrower called to discuss payment they have scheduled for today and stated funds will not be available and wanted to change the date and call was transferred and payment date was adjusted as borrower had unexpected expenses. Borrower called again because they were informed that they did not turn in the modification documents in time and borrower stated they over-nighted the documents; call was transferred to loss mitigation. Borrower spoke with loss mitigation regarding the denial letter they received. Associate informed borrower the documents they did receive were back in February and advised have not received any documents since then. Borrower stated they mailed the documents certified mail to Greenville, SC but could not confirm the address and associate advised borrower to send in either by fax or email. The fax number was provided and borrower stated they will have them resent. Associate informed borrower to pull the BAF from the website and borrower stated they will send documents today. Associate spoke with borrower on 05/21/2019 to inform they need 2 more pay stubs as they are paid weekly. On 06/04/2019 associate spoke with coborrower who declined to schedule payment and stated it would be made online within the grace period. Associate made contact with the co-borrower who stated they are away right now but will make payment online including the late fee. Borrower called on 07/19/209 to cancel scheduled payment and declined to reschedule the payment but will call back when they have the funds in hand. There was no additional contact made with the borrower during the remainder of the review period. Loan is current. 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. 2 - Current Status - Performing 9/25/2019
72811219 XXXXX XXXXX         Performing Regular Payments 07/31/2019 07/24/2019   N/A 0 1 07/27/2019 Owner Occupied   UTD UTD 07/06/2019 Incomplete   14 11 08/01/2017 06/10/2018     N/A   0         07/24/2019 Ongoing dialogue with borrower       There was no contact prior to 07/6/2018. On 7/6/2018 the Servicer called the Borrower for payment and was advised the June payment was on the way. On 08/21/2018 The borrower called to have two payments deferred due to unemployment. Borrower scheduled one payment for $639.29. On 09/20/25018 the borrower called and stated they made two payments asked if one was returned. The Servicer advised the borrower not yet. There was no contact between the Servicer and Borrower in October 2018. On 11/17/2018 the borrower called and advised they had setup a payment on the website. The Servicer advised the borrower the payment was not showing in the system and processed the payment by phone for $639.29. There was no contact between the Servicer and Borrower from 11/18/2018 through 2/3/10`9. On 02/04/2019 the borrower called in to schedule a payment for $644.91 by 2/8/2019. Reason for default was being in the hospital and having to pay out of pocket. On 03/25/2019 the borrower called in and Servicer advised of the default status. Borrower said default was due to illness, vet bills, and electric bills. Borrower accepted a promise to pay $1380.92 by 3/30/2019. There was no contact between the Servicer and Borrower from 3/26/2019 through 7/04/2019.On 07/05/2019 the borrower called to make a payment for $. On 07/24/2019 The borrower called to make a payment. Borrower said reason for default was roof repairs. Borrower accepted a promise to pay $644.91 on 7/12 and 7/17 to catch up. On 7/13/2019 the Borrower called ti update the payment. On 7/24/2019 the Borrower called in to changed a scheduled payment from 7/31/2019 to 8/9/2019 for $644.91. Borrower also scheduled another payment for 8/22/2019 for $701.73. There was no further contact the remainder of the review period. The loan is performing.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/24/2019. There was no contact prior to 07/6/2018. On 7/6/2018 the Servicer called the Borrower for payment and was advised the June payment was on the way. On 08/21/2018 The borrower called to have two payments deferred due to unemployment. Borrower scheduled one payment for $639.29. On 09/20/25018 the borrower called and stated they made two payments asked if one was returned. The Servicer advised the borrower not yet. There was no contact between the Servicer and Borrower in October 2018. On 11/17/2018 the borrower called and advised they had setup a payment on the website. The Servicer advised the borrower the payment was not showing in the system and processed the payment by phone for $639.29. There was no contact between the Servicer and Borrower from 11/18/2018 through 2/3/10`9. On 02/04/2019 the borrower called in to schedule a payment for $644.91 by 2/8/2019. Reason for default was being in the hospital and having to pay out of pocket. On 03/25/2019 the borrower called in and Servicer advised of the default status. Borrower said default was due to illness, vet bills, and electric bills. Borrower accepted a promise to pay $1380.92 by 3/30/2019. There was no contact between the Servicer and Borrower from 3/26/2019 through 7/04/2019.On 07/05/2019 the borrower called to make a payment for $. On 07/24/2019 The borrower called to make a payment. Borrower said reason for default was roof repairs. Borrower accepted a promise to pay $644.91 on 7/12 and 7/17 to catch up. On 7/13/2019 the Borrower called ti update the payment. On 7/24/2019 the Borrower called in to changed a scheduled payment from 7/31/2019 to 8/9/2019 for $644.91. Borrower also scheduled another payment for 8/22/2019 for $701.73. There was no further contact the remainder of the review period. The loan is performing. 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. 2 - Collection Comments - Incomplete -; Missing 08/01/2017 - 06/10/2018 - Current Status - Performing 9/25/2019
79502823 XXXXX XXXXX         Delinquent   07/31/2019 05/10/2019   Excessive Obligations 30 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/30/2019 Ongoing dialogue with borrower       Loan was delinquent as of 08/01/2017. Borrower called 08/11/2017 to make payment on repayment plan. Servicer advised that repayment plan was cancelled as no payment was received in July. Servicer offered repayment plan on 08/15/2017. Borrower called 08/29/2017 to make down payment and get approved for repayment plan. Borrower did not respond to calls from 09/01/2017 to 09/24/2017. Borrower called 09/25/2019 to make payment. Servicer advised that repayment plan was not approved and gave total amount due. RFD cited as excessive obligations. From 10/01/2017 to 03/20/2018 borrower called each month to make payment on account.Borrower called 04/09/2018 to make payment and servicer advised account due for March and April and offered to defer payments. Borrower called 04/27/2018 regarding payment increase and stated May payment would be made by 04/26/2018. Borrower called 05/09/2019 and requested escrow shortage be spread over longer term as payment is not affordable. Servicer advised deferment was not completed as borrower did not return signed agreement. Borrower stated would like to apply for modification.Borrower was not responsive to calls from servicer from 05/15/2018 to 07/09/2018. Authorized third party called 07/10/2018 and servicer advised of documents needed for modification review. RFD cited as curtailment of income. Modification was denied 08/01/2018. Borrower called 08/03/2018 and servicer advised of denial. Borrower called 08/14/2018 and stated she paid 3 payments to XXX (retention advocacy group). Servicer advised no payments have been posted since 04/2017. On 08/22/2018 borrower requested 2 month deferment if she made 2 payments. Deferment was approved if 2 payments made by 08/31/2018. 3 month deferment was completed on XX/XX/XXX. Borrower called 09/01/2018 and 10/01/2018 to make payments. Property was in FEMA disaster area 10/08/2018. Borrower stated 10/08/2018 that property has water damage from hurricane. Claim filed 10/02/2018 for water damage, date of loss 09/14/2018. Claim funds received in the amount of $17,199.25 and funds were sent to borrower on 10/31/2018; no inspection required and claim was closed. Borrower called 12/04/2018 and stated payment would be made by 12/31/2018. Borrower called 12/11/2018 to request escrow shortage be spread over 36 months. Servicer advised previous request was denied but will submit again. Borrower called 12/26/2018 and stated can make partial payment and bring current in January. Borrower called 02/11/2019 and stated she will be filing new insurance claim for more damages from hurricane. Claim funds received 02/18/2019 in the amount of $16,801.63. Check was endorsed to borrower and sent 02/19/2019 per FEMA guidelines. No evidence repairs were completed. Borrower called 03/14/2019 and 04/01/2019 to make payments on account. RFD cited as house repairs. Borrower called 04/15/2019 and servicer advised payment was returned. Borrower stated will lift stop payment on account. Borrower called each month from 05/10/2019 and 06/10/2019 to make payments. Borrower called 07/28/2019 and stated daughter had emergency and will make half payment by 07/31/2019 and be current by 08/31/2019. Borrower called 07/30/2019 and made payment in the amount of $600 and stated will make next payment on 08/15/2019. No evidence of final inspection to verify property repairs are completed. Loan is 30 days delinquent,   Somewhat No     Fair Fair Temporary Fair Strong Reinstatement   No No No No No No No No No No Yes No No No No No No No No Yes Other Modification 08/22/2018 No Retention No                                                                                                                                                                                                                                                                                                   Yes 02/11/2019     $16,801.63 09/14/2018 Original claim filed 10/02/2018 for hurricane damage. Claim funds received in the amount of $17,199.25 and claim was closed 10/31/2018. Borrower filed subsequent claim on 02/11/2019 and claim funds were received on 02/19/2019. No evidence of final inspection to verify subsequent repairs were completed.   Water Yes     In Process   No   Yes Hurricane 09/14/2018 Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: Loan was delinquent as of 08/01/2017. Borrower called 08/11/2017 to make payment on repayment plan. Servicer advised that repayment plan was cancelled as no payment was received in July. Servicer offered repayment plan on 08/15/2017. Borrower called 08/29/2017 to make down payment and get approved for repayment plan. Borrower did not respond to calls from 09/01/2017 to 09/24/2017. Borrower called 09/25/2019 to make payment. Servicer advised that repayment plan was not approved and gave total amount due. RFD cited as excessive obligations. From 10/01/2017 to 03/20/2018 borrower called each month to make payment on account.Borrower called 04/09/2018 to make payment and servicer advised account due for March and April and offered to defer payments. Borrower called 04/27/2018 regarding payment increase and stated May payment would be made by 04/26/2018. Borrower called 05/09/2019 and requested escrow shortage be spread over longer term as payment is not affordable. Servicer advised deferment was not completed as borrower did not return signed agreement. Borrower stated would like to apply for modification.Borrower was not responsive to calls from servicer from 05/15/2018 to 07/09/2018. Authorized third party called 07/10/2018 and servicer advised of documents needed for modification review. RFD cited as curtailment of income. Modification was denied 08/01/2018. Borrower called 08/03/2018 and servicer advised of denial. Borrower called 08/14/2018 and stated she paid 3 payments to XXX (retention advocacy group). Servicer advised no payments have been posted since 04/2017. On 08/22/2018 borrower requested 2 month deferment if she made 2 payments. Deferment was approved if 2 payments made by 08/31/2018. 3 month deferment was completed on XX/XX/XXX. Borrower called 09/01/2018 and 10/01/2018 to make payments. Property was in FEMA disaster area 10/08/2018. Borrower stated 10/08/2018 that property has water damage from hurricane. Claim filed 10/02/2018 for water damage, date of loss 09/14/2018. Claim funds received in the amount of $17,199.25 and funds were sent to borrower on 10/31/2018; no inspection required and claim was closed. Borrower called 12/04/2018 and stated payment would be made by 12/31/2018. Borrower called 12/11/2018 to request escrow shortage be spread over 36 months. Servicer advised previous request was denied but will submit again. Borrower called 12/26/2018 and stated can make partial payment and bring current in January. Borrower called 02/11/2019 and stated she will be filing new insurance claim for more damages from hurricane. Claim funds received 02/18/2019 in the amount of $16,801.63. Check was endorsed to borrower and sent 02/19/2019 per FEMA guidelines. No evidence repairs were completed. Borrower called 03/14/2019 and 04/01/2019 to make payments on account. RFD cited as house repairs. Borrower called 04/15/2019 and servicer advised payment was returned. Borrower stated will lift stop payment on account. Borrower called each month from 05/10/2019 and 06/10/2019 to make payments. Borrower called 07/28/2019 and stated daughter had emergency and will make half payment by 07/31/2019 and be current by 08/31/2019. Borrower called 07/30/2019 and made payment in the amount of $600 and stated will make next payment on 08/15/2019. No evidence of final inspection to verify property repairs are completed. Loan is 30 days delinquent, REASON FOR DEFAULT: The reason for default is excessive obligations. 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 evidence of property damage and the nature of the damage is water. Original claim filed 10/02/2018 for hurricane damage. Claim funds received in the amount of $17,199.25 and claim was closed 10/31/2018. Borrower filed subsequent claim on 02/11/2019 and claim funds were received on 02/19/2019. No evidence of final inspection to verify subsequent repairs were completed. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary - There is evidence of property damage. 9/25/2019
74587094 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/09/2019 Owner Occupied   UTD UTD 11/13/2018 Yes   24           N/A   0         05/31/2019 Ongoing dialogue with borrower       There was no contact prior to 11/22/2017. On 11/22/2017 the borrower called in to discuss retention options. The RFD is due to a job loss. On 01/05/2018 the borrower called in to discuss their insurance. On 01/31/2018 and 02/21/2018 the borrower called in to discuss retention options. On 03/08/2018 the borrower was contacted and discussed a loan modification.On 03/14/2018 and 03/22/2018 the borrower called in to discuss a loan modification. On 03/30/2018 the borrower called in to make a payment. On 04/26/2018 the borrower was contacted and discussed a loan modification. On 04/30/2018 the borrower called in to make a payment. On 07/16/2018 the borrower called in to discuss the loan transfer and a modification. On 8/28/18 Borrower stated will be making July payment on Friday. On 9/17/18 borrower called in to verify that account was transferred. Borrower states was in the middle of a loan modification and wanted to speak with someone in loss mitigation. 9/18/18 Provided mortgagee clause to borrower and insurance agent. Borrower stated needed to discuss documents for a loan modification. 10/1/18 Borrower called in to make payment. 10/18/18 twice attempts were made to speak with borrower who stated it was not a good time. 10/24/18 Borrower wants a modification and will email the documents in. 11/13/18 Borrower called for status of appraisal and advised was not in yet. 12/7/18 trial modification initiated. 12/12/18 went over modification with borrower. 1/16/19 borrower called in regarding escrow. 3/6/19 Borrower called for tracking number of final modification. 5/31/19 Borrower called in and made two payments. There was no further contact made.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 05/08/2019 No Retention Yes           1 Completed   Modification         Monthly                   Modification completed on XX/XX/XXXX.                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-New Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 05/31/2019. There was no contact prior to 11/22/2017. On 11/22/2017 the borrower called in to discuss retention options. The RFD is due to a job loss. On 01/05/2018 the borrower called in to discuss their insurance. On 01/31/2018 and 02/21/2018 the borrower called in to discuss retention options. On 03/08/2018 the borrower was contacted and discussed a loan modification.On 03/14/2018 and 03/22/2018 the borrower called in to discuss a loan modification. On 03/30/2018 the borrower called in to make a payment. On 04/26/2018 the borrower was contacted and discussed a loan modification. On 04/30/2018 the borrower called in to make a payment. On 07/16/2018 the borrower called in to discuss the loan transfer and a modification. On 8/28/18 Borrower stated will be making July payment on Friday. On 9/17/18 borrower called in to verify that account was transferred. Borrower states was in the middle of a loan modification and wanted to speak with someone in loss mitigation. 9/18/18 Provided mortgagee clause to borrower and insurance agent. Borrower stated needed to discuss documents for a loan modification. 10/1/18 Borrower called in to make payment. 10/18/18 twice attempts were made to speak with borrower who stated it was not a good time. 10/24/18 Borrower wants a modification and will email the documents in. 11/13/18 Borrower called for status of appraisal and advised was not in yet. 12/7/18 trial modification initiated. 12/12/18 went over modification with borrower. 1/16/19 borrower called in regarding escrow. 3/6/19 Borrower called for tracking number of final modification. 5/31/19 Borrower called in and made two payments. There was no further contact made. 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. Modification completed 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. 2 - Current Status - Performing - Evidence loan has been modified. 9/25/2019
78920169 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/22/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         03/06/2019 Contact attempts - however unable to contact borrower       No contact with borrower from 8/1/17 through 04/23/2018 all attempts were unsuccessful. On 04/24/2018 borrower called to see if payment for today can be cancelled. The servicer advised they were unable to. On 05/29/2018 Borrower inquired about the payment increase. No contact from 05/30/2018 - 12/1/22018 all attempts were unsuccessful. On 12/13/18 Borrower stated that is going through a divorce and will be resolved in January. Borrower requested 2 month deferment and it was approved. 12/20/18 Borrower called and had wind damage over 10,000.00. Explained claim process. 1/30/19 Borrower stated that is working but the government shutdown not receiving pay. 2/8/19 Borrower made a promise to pay. Borrower offered forbearance but declined. 3/6/19 Spoke with borrower and provided total amount due. Borrower stated will make payment by the 15th. Advised that insurance policy has expired and to sent the renewed policy. Attempts were made to contact the borrower from 3/6/19 through 7/15/19 but were unsuccessful in making contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No Yes No No No No No No No No No   02/08/2019   Retention No                                                                                                                                                                                                                                                                                                   Yes         12/20/2018 12/20/2018 Co-borrower called with wind damage over 10,000.00 servicer explained monitored process and docs needed. Sent procedure packet via email. No evidence of claim check received or repairs made. 10000 Wind No     Not Started   No   No     Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 03/06/2019. No contact with borrower from 8/1/17 through 04/23/2018 all attempts were unsuccessful. On 04/24/2018 borrower called to see if payment for today can be cancelled. The servicer advised they were unable to. On 05/29/2018 Borrower inquired about the payment increase. No contact from 05/30/2018 - 12/1/22018 all attempts were unsuccessful. On 12/13/18 Borrower stated that is going through a divorce and will be resolved in January. Borrower requested 2 month deferment and it was approved. 12/20/18 Borrower called and had wind damage over 10,000.00. Explained claim process. 1/30/19 Borrower stated that is working but the government shutdown not receiving pay. 2/8/19 Borrower made a promise to pay. Borrower offered forbearance but declined. 3/6/19 Spoke with borrower and provided total amount due. Borrower stated will make payment by the 15th. Advised that insurance policy has expired and to sent the renewed policy. Attempts were made to contact the borrower from 3/6/19 through 7/15/19 but were unsuccessful in making contact. 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 evidence of property damage and the nature of the damage is wind. 12/20/2018 Co-borrower called with wind damage over 10,000.00 servicer explained monitored process and docs needed. Sent procedure packet via email. No evidence of claim check received or repairs made. The damage repair amount is estimated at $10,000.00. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Performing - There is evidence of property damage. 9/25/2019
74950015 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/16/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/03/2019 Not attempting to contact the borrower       On 09/11/17, borrower called and asked if able to do a deferment and asked if we received insurance. On 11/14/17, borrower made payment. On 11/16/17, borrower wanted to know if payment can be deferred due to funeral expenses. On 01/04/18, borrower stated cant pay until February due to someone breaking into car and wants to make payment arrangement. On 02/28/18, borrower wanted to inquire about payment that was made. Advised can take some time for account to reflect. Borrower stated will call back later. On 03/06/18, advised borrower about returned payment. Borrower stated will pay before grace period ends. On 06/15/18, borrower called in regards to updating credit file. On 07/05/18, borrower stated will make payment with grace period. On 08/14/18, borrower called in regarding insurance and marriage certificate for name change. On 07/09/18, borrower sent email regarding nsf and past due fees. On 09/12/18, borrower called and stated is preparing for the evacuation before hurricane Florence hits and asked about scheduled payment. On 01/08/19, borrower called with questions about deferment and accepted. On 04/22/19, borrower called in to get clarity on escrow analysis. On 05/06/19, borrower wanted the number to insurance company. On 05/07/19, borrower sent in new homeowners insurance. From 05/09/19 to 05/10/19, borrower called to request escrow analysis to be ran due to change in insurance. On 05/16/19, borrower inquired about new payment amount. On 05/17/19, borrower called regarding payment made on 05/16/19. On 05/28/19, borrower called in to see how much will need to be paid on escrow shortage to bring payments back down. On 06/05/19, borrower stated will make payment before grace period is over. On 07/03/19, borrower stated can afford the payments and doesn't need courtesy calls. There was no further contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Other 01/08/2019 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/03/2019. On 09/11/17, borrower called and asked if able to do a deferment and asked if we received insurance. On 11/14/17, borrower made payment. On 11/16/17, borrower wanted to know if payment can be deferred due to funeral expenses. On 01/04/18, borrower stated cant pay until February due to someone breaking into car and wants to make payment arrangement. On 02/28/18, borrower wanted to inquire about payment that was made. Advised can take some time for account to reflect. Borrower stated will call back later. On 03/06/18, advised borrower about returned payment. Borrower stated will pay before grace period ends. On 06/15/18, borrower called in regards to updating credit file. On 07/05/18, borrower stated will make payment with grace period. On 08/14/18, borrower called in regarding insurance and marriage certificate for name change. On 07/09/18, borrower sent email regarding nsf and past due fees. On 09/12/18, borrower called and stated is preparing for the evacuation before hurricane Florence hits and asked about scheduled payment. On 01/08/19, borrower called with questions about deferment and accepted. On 04/22/19, borrower called in to get clarity on escrow analysis. On 05/06/19, borrower wanted the number to insurance company. On 05/07/19, borrower sent in new homeowners insurance. From 05/09/19 to 05/10/19, borrower called to request escrow analysis to be ran due to change in insurance. On 05/16/19, borrower inquired about new payment amount. On 05/17/19, borrower called regarding payment made on 05/16/19. On 05/28/19, borrower called in to see how much will need to be paid on escrow shortage to bring payments back down. On 06/05/19, borrower stated will make payment before grace period is over. On 07/03/19, borrower stated can afford the payments and doesn't need courtesy calls. There was no further contact. 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. 2 - Current Status - Performing 9/25/2019
73830155 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/13/2019 Not attempting to contact the borrower       There was no borrower response to contact attempts prior to 11/20/2018. XXX Funds were received on 01/12/2018 in the amount of $26,042.66 which reinstated the loan and monthly XXX payments were applied. The foreclosure proceedings were dismissed on 03/07/2018. On 11/20/22018, the borrower advised that the XXX assistance will stop in 01/2019; and then will only be earning $1,700.00 monthly. The hardship was cited as reduced income. The agent advised that could not be reviewed for any assistance while until the plan ends. On 01/02/2019, the customer advised that is not longer employed due to medical issues and was informed of the required modification documents. The verbal income was verified as $791.00 from retirement and $965.00 from social security. Owner occupancy was verified. The XXX assistance terminated on 01/03/2019. On 01/07/2019, the homeowner advised that has not be able to get to a computer to send the documents. On 01/26/2019, the homeowner was provided the fax number for the modification documents. The loan modification was approved on 02/25/2019 and finalized on XX/XX/XXXX. On 03/07/2018, the Discharged of Lis Pendedns received of the Complaint filed on XX/XX/XXXX. On 03/13/2019, late charges have been suspended due to current Bankruptcy status. On 04/23/2019, the executed Modification was sent to the Borrower. On 06/07/2019, the agent advised the borrower that the payment had not yet been received. On 06/13/2019, the customer was informed that the payment had been received. There was no additional contact.   Yes No     Good Good N/A Good Weak N/A   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 01/26/2019 No Retention Yes XX/XX/XXXX $1,126.97 0.020% XX/XX/XXXX XX/XX/XXXX 1 Completed       $2,428.58   XXX Monthly 480   $1,126.97   $16,366.28 $0.00 6707.17 0   4% 0.02% for 60 months and .03% for the 420 months; interest capt at $1,118.82; principal cap $$8,059.62; late charge cap $0.00; escrow cap $0.00; corporate advance cap $665.92. The Borrower applied for the loan modification due to a Reduction of Income. the Borrower had previously received XXX assistance, however, it ended on 01/03/2019. Borrower is on Disability with interest in retention.                                                                                                                                               1 Discharged 11/30/2018 UTD             No             No       No     No   The commentary dated 11/30/2018 reflects a discharged bankruptcy. The case details are not provided.                                                                                                                                                                       No No   No   No                   Retired No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: There was no borrower response to contact attempts prior to 11/20/2018. XXX Funds were received on 01/12/2018 in the amount of $26,042.66 which reinstated the loan and monthly XXX payments were applied. The foreclosure proceedings were dismissed on 03/07/2018. On 11/20/22018, the borrower advised that the XXX assistance will stop in 01/2019; and then will only be earning $1,700.00 monthly. The hardship was cited as reduced income. The agent advised that could not be reviewed for any assistance while until the plan ends. On 01/02/2019, the customer advised that is not longer employed due to medical issues and was informed of the required modification documents. The verbal income was verified as $791.00 from retirement and $965.00 from social security. Owner occupancy was verified. The XXX assistance terminated on 01/03/2019. On 01/07/2019, the homeowner advised that has not be able to get to a computer to send the documents. On 01/26/2019, the homeowner was provided the fax number for the modification documents. The loan modification was approved on 02/25/2019 and finalized on XX/XX/XXXX. On 03/07/2018, the Discharged of Lis Pendedns received of the Complaint filed on XX/XX/XXXX. On 03/13/2019, late charges have been suspended due to current Bankruptcy status. On 04/23/2019, the executed Modification was sent to the Borrower. On 06/07/2019, the agent advised the borrower that the payment had not yet been received. On 06/13/2019, the customer was informed that the payment had been received. There was no additional contact. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. FORECLOSURE: No evidence of current foreclosure activity. BANKRUPTCY: There is evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The commentary dated 11/30/2018 reflects a discharged bankruptcy. The case details are not provided. MODIFICATION: The loan has been modified. The modification date is XX/X/XXXX. The modified principal balance is XXX. The modification interest rate is 0.02%. The maturity date of the loan was extended to XX/XX/XXXX. 4% 0.02% for 60 months and .03% for the 420 months; interest capt at $1,118.82; principal cap $$8,059.62; late charge cap $0.00; escrow cap $0.00; corporate advance cap $665.92. The Borrower applied for the loan modification due to a Reduction of Income. the Borrower had previously received XXX assistance, however, it ended on 01/03/2019. Borrower is on Disability with interest in retention. 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. 2 - Current Status - Performing 9/25/2019
70631630 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/30/2019 Owner Occupied   Single Family Detached UTD   Yes   25           N/A   0         08/28/2018 Ongoing dialogue with borrower       There was no contact with the borrower from 08/01/2017 to 08/27/2018. On 08/28/2018, the borrower called to discuss statement and discussed promise to pay. Contact from 09/18/2018 through 02/28/2019 consisted of the borrower making payments. On 03/18/2019 the borrower called about flood damage to the property and insurance claim process. Contact from 04/01/2019 through 06/29/2019 consisted of the borrower making payments. On 07/10/2019, the borrower called to discuss the loss draft matter. Additional funds were received and need endorsement. On 07/30/2019, the borrower called in to make a payment. There was no further contact with the borrower.   Yes No     Good Good N/A Good Moderate N/A   No No No No No No No No No No Yes No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                   Yes 03/19/2019 XXX   $11,095.08 03/18/2019 An insurance check was received in the amount of $6,649.64 on 03/26/2019 for flood damage to the property on 03/02/2019. Additional funds were received in the amount of $4,445.44 on 07/10/2019. Repairs are in process.   Flood UTD     In Process   No   No     No                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 08/28/2018. There was no contact with the borrower from 08/01/2017 to 08/27/2018. On 08/28/2018, the borrower called to discuss statement and discussed promise to pay. Contact from 09/18/2018 through 02/28/2019 consisted of the borrower making payments. On 03/18/2019 the borrower called about flood damage to the property and insurance claim process. Contact from 04/01/2019 through 06/29/2019 consisted of the borrower making payments. On 07/10/2019, the borrower called to discuss the loss draft matter. Additional funds were received and need endorsement. On 07/30/2019, the borrower called in to make a payment. There was no further 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 evidence of property damage and the nature of the damage is flood. An insurance check was received in the amount of $6,649.64 on 03/26/2019 for flood damage to the property on 03/02/2019. Additional funds were received in the amount of $4,445.44 on 07/10/2019. Repairs are in process. Property repair is in process. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Performing - Property Damage - Flood - No evidence of resolution 9/25/2019
73482707 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/19/2019 Ongoing dialogue with borrower       From 08/01/2017 to 05/09/2018, there was no contact with the borrower. On 05/10/2018, The borrower called to verify the reason of calls made to the borrower. The borrower was advised to contact her counsel. From 05/10/2018 to 04/04/2019, there was no contact with the borrower. On 04/05/2019, the borrower called to make partial trail payment .The borrower stated that she already sent a payment and it was accepted. From 04/04/2019 to 04/24/2019, there was no contact with the borrower. On 04/25/2019, the borrower call to make a payment over the phone. From 04/26/2019 to 05/28/2019, there was no contact with the borrower. On 05/29/2019, the borrower called and stated that she already made her mortgage payment. The call was transfer to the loss mitigation department. From 05/30/2019 to 06/02/2019, there was no contact with the borrower. On 06/03/2019, the borrower called to verify account status. The borrower stated that she made two payments in the month of April. From 06/03/2019 to 06/09/2019, there was no contact with the borrower. On 06/10/2019, the borrower called and requested a call back. The borrower had questions about current modification terms. On 06/11/2019, outbound call. The agent explain current terms of modification. On 06/12/2019, the borrower called after the loan is showing one month past due. From 06/13/2019 to 07/04/2019, there was no contact with the borrower. On 07/05/2019, the borrower called to requested loan modification documents. The agent informed borrower to contact ups. From 07/06/2019 to 07/07/2019, there was no contact with the borrower. On 07/08/2019, the borrower called requesting copy of loan modification documents and the borrower disconnected the call. From 07/09/2019 to 07/11/2019, there was no contact with the borrower. On 07/12/2019, The borrower called to inform that she received loan modification documents. From 07/13/2019 to 07/18/2019, there was no contact with the borrower. On 07/19/2019, the borrower called to inform that she sent document via mail. From 07/20/2019 to 07/31/2019, there was no other contact with the borrower.   Yes Yes Written Yes Good Good N/A Good Moderate N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 07/19/2019 No Retention Yes XX/XX/XXXX         1 Completed   NON HAMP         Monthly                   A modification was approved on 05/02/2019                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-New Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/19/2019. From 08/01/2017 to 05/09/2018, there was no contact with the borrower. On 05/10/2018, The borrower called to verify the reason of calls made to the borrower. The borrower was advised to contact her counsel. From 05/10/2018 to 04/04/2019, there was no contact with the borrower. On 04/05/2019, the borrower called to make partial trail payment .The borrower stated that she already sent a payment and it was accepted. From 04/04/2019 to 04/24/2019, there was no contact with the borrower. On 04/25/2019, the borrower call to make a payment over the phone. From 04/26/2019 to 05/28/2019, there was no contact with the borrower. On 05/29/2019, the borrower called and stated that she already made her mortgage payment. The call was transfer to the loss mitigation department. From 05/30/2019 to 06/02/2019, there was no contact with the borrower. On 06/03/2019, the borrower called to verify account status. The borrower stated that she made two payments in the month of April. From 06/03/2019 to 06/09/2019, there was no contact with the borrower. On 06/10/2019, the borrower called and requested a call back. The borrower had questions about current modification terms. On 06/11/2019, outbound call. The agent explain current terms of modification. On 06/12/2019, the borrower called after the loan is showing one month past due. From 06/13/2019 to 07/04/2019, there was no contact with the borrower. On 07/05/2019, the borrower called to requested loan modification documents. The agent informed borrower to contact ups. From 07/06/2019 to 07/07/2019, there was no contact with the borrower. On 07/08/2019, the borrower called requesting copy of loan modification documents and the borrower disconnected the call. From 07/09/2019 to 07/11/2019, there was no contact with the borrower. On 07/12/2019, The borrower called to inform that she received loan modification documents. From 07/13/2019 to 07/18/2019, there was no contact with the borrower. On 07/19/2019, the borrower called to inform that she sent document via mail. From 07/20/2019 to 07/31/2019, there was no other 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. A modification was approved on 05/02/2019 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. 2 - Current Status - Performing 9/25/2019
75450373 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         04/04/2019 Ongoing dialogue with borrower       09/18/2017 - Borrower advised that payment will be made by 09/25/2017. 11/27/2017 - Borrower will make payment no later than 11/29/2017. Limited or no contact between 11/28/2017 and 06/07/2018. 06/08/2018 - Borrower will make payment by 06/14/2018. 07/13/2018 - Borrower advised that payment will be made no later than 07/17/2018. 09/06/2018 - Servicer advised that full payment must be made. Limited or no contact between 09/07/2018 and 03/14/2019. 03/15/2019 - Borrower made an inquiry about the account. 04/04/2019 - Servicer advised there must be 12 months of payments before escrow can be removed. Limited or no contact after 04/05/2019. The loan is current.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No Yes No No No No       Retention No                                                                                                                                                                                                                                                                                                                               No   No                                                 Not Filed     On 04/29/2019 it is noted that a claim is needed due to a prior mortgage for : $117,000.00 dated 9/25/2000 and federal and state tax liens. No indication the claim was filed. Senior Liens             On 04/29/2019 it is noted that a claim is needed due to a prior mortgage and federal and state tax liens.               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 04/04/2019. 09/18/2017 - Borrower advised that payment will be made by 09/25/2017. 11/27/2017 - Borrower will make payment no later than 11/29/2017. Limited or no contact between 11/28/2017 and 06/07/2018. 06/08/2018 - Borrower will make payment by 06/14/2018. 07/13/2018 - Borrower advised that payment will be made no later than 07/17/2018. 09/06/2018 - Servicer advised that full payment must be made. Limited or no contact between 09/07/2018 and 03/14/2019. 03/15/2019 - Borrower made an inquiry about the account. 04/04/2019 - Servicer advised there must be 12 months of payments before escrow can be removed. Limited or no contact after 04/05/2019. The loan is current. 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 evidence of title issues with the property. On 04/29/2019 it is noted that a claim is needed due to a prior mortgage and federal and state tax liens. On 04/29/2019 it is noted that a claim is needed due to a prior mortgage for : $XXX dated 9/25/2000 and federal and state tax liens. No indication the claim was filed. PROPERTY CONDITION: There is no evidence of property damage. The property condition is UTD. The current occupancy status is owner occupied. 2 - Current Status - Performing - Loan has evidence of title issue(s). 9/25/2019
73868787 XXXXX XXXXX         Delinquent   07/31/2019 04/25/2019   Curtailment of Income 30 1 07/24/2019 Owner Occupied   UTD UTD 06/21/2019 Yes   24           N/A   0         07/19/2019 Ongoing dialogue with borrower       Spoke with customer on August 01, 2017, about payments due and when a payment would be made. Called out to the borrower and took a payment on August 04, 2017. Received inbound call from the customer and set up a payment on September 06, 2017, with a payment date of September 29, 2017. Spoke with borrower on September 21, 2017, and confirmed payment amount and increase in payment after escrow was analyzed. Scheduled a payment with the borrower on October 20, 2017, to bring the account due for November 01, 2017. Spoke with the borrower on November 06, 2017, stated they promised to pay on November 30, 2017. Received inbound call from the borrower on November 08, 2017, about a claims check. Received inbound call from the borrower on November 15, 2017, about the claim check. Call made to the borrower on December 13, 2017, about the account. Borrower made one payment and post dated another payment. The borrower did state roof damage had occurred and they had sent the check to the servicer. Once the funds were returned they would have repairs done. Spoke with borrower on December 29, 2017. The borrower stated they would not be able to make the December 01, 2017, payment until the second week of January 2018. Spoke with the borrower on April 26, 2018, and made a promise to pay of April 30, 2018. The borrower called in on May 30, 2018, to make a payment and wanted to know when the next escrow analysis would occur. Made an outbound call to the borrower and took a payment on June 28, 2018. They also discussed escrow analysis and where to send a loss draft check. The borrower called in on June 29, 2018, to request information on a claims check. The servicer spoke with the borrower on July 31, 2018, about payments. The servicer contacted the customer on September 15, 2018, about the payment due. The borrower made a promise to pay. The borrower called in on October 17, 2018, and made a payment. The borrower called in on November 15, 2018, to discuss payment arrangements, but disconnected the call during a transfer. The borrower called in and made a payment on December 10, 2018, for the November 01, 2018, payment. The borrower called in on January 02, 2019, and requested teh amount to bring the account current. Spoke with the customer on March 31, 2019, about a payment. The customer stated they would be able to make the payment on April 30, 2019. The borrower called in on June 04, 2019, and stated she would make a payment on June 28, 2019. On June 25, 2019, the servicer spoke with the borrower about the total amount due and fees that had been assessed on the account. The borrower disagreed with the property inspection fees. On July 19, 2019, the borrower called in to schedule a payment. There was no further contact with the borrower.   Yes No     Fair Fair Temporary Fair Moderate Reinstatement   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 08/28/2018 No Retention No                                                                                                                                                                                                                                                                                                                               No   No                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/19/2019. Spoke with customer on August 01, 2017, about payments due and when a payment would be made. Called out to the borrower and took a payment on August 04, 2017. Received inbound call from the customer and set up a payment on September 06, 2017, with a payment date of September 29, 2017. Spoke with borrower on September 21, 2017, and confirmed payment amount and increase in payment after escrow was analyzed. Scheduled a payment with the borrower on October 20, 2017, to bring the account due for November 01, 2017. Spoke with the borrower on November 06, 2017, stated they promised to pay on November 30, 2017. Received inbound call from the borrower on November 08, 2017, about a claims check. Received inbound call from the borrower on November 15, 2017, about the claim check. Call made to the borrower on December 13, 2017, about the account. Borrower made one payment and post dated another payment. The borrower did state roof damage had occurred and they had sent the check to the servicer. Once the funds were returned they would have repairs done. Spoke with borrower on December 29, 2017. The borrower stated they would not be able to make the December 01, 2017, payment until the second week of January 2018. Spoke with the borrower on April 26, 2018, and made a promise to pay of April 30, 2018. The borrower called in on May 30, 2018, to make a payment and wanted to know when the next escrow analysis would occur. Made an outbound call to the borrower and took a payment on June 28, 2018. They also discussed escrow analysis and where to send a loss draft check. The borrower called in on June 29, 2018, to request information on a claims check. The servicer spoke with the borrower on July 31, 2018, about payments. The servicer contacted the customer on September 15, 2018, about the payment due. The borrower made a promise to pay. The borrower called in on October 17, 2018, and made a payment. The borrower called in on November 15, 2018, to discuss payment arrangements, but disconnected the call during a transfer. The borrower called in and made a payment on December 10, 2018, for the November 01, 2018, payment. The borrower called in on January 02, 2019, and requested teh amount to bring the account current. Spoke with the customer on March 31, 2019, about a payment. The customer stated they would be able to make the payment on April 30, 2019. The borrower called in on June 04, 2019, and stated she would make a payment on June 28, 2019. On June 25, 2019, the servicer spoke with the borrower about the total amount due and fees that had been assessed on the account. The borrower disagreed with the property inspection fees. On July 19, 2019, the borrower called in to schedule a payment. There was no further contact with the borrower. REASON FOR DEFAULT: The reason for default is curtailment of income. 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. 3 - Current Status - Delinquent - Delinquency Prognosis - Temporary 9/25/2019
76070768 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 05/20/2019 Owner Occupied   Single Family Detached UTD   Yes   24           N/A   0         03/15/2019 Not attempting to contact the borrower       No contact was noted from 08/01/2017 to 09/20/2017. On 9/21/2017, borrower called in said was evacuated due to Hurricane and will be contacting insurance carrier. On 11/9/2017, the borrower called in to authorize two payments. On 12/21/2017, the borrower called to set up draft and needing assistance. On 1/4/2018, borrower called in to authorize payments. There was no contact with borrower from 2/2018 through 8/2018. On 9/4/2018, borrower called to authorize draft. On 3/15/2019 borrower called to authorize March payment. There has been no further contact with the borrower as of the review period.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No Yes No No No No No No No No Yes Forbearance/Workout 09/21/2017 No Retention No                                                                                                                                                                                                                                                                                                   Yes 09/20/2017         Comments dated 09/20/2017 reflect that the borrower needed to file an insurance claim due to water damage. As of the review date, there is no indication that the repairs were completed or the status of the insurance claim.   Water UTD     Not Started   No   No     Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 03/15/2019. No contact was noted from 08/01/2017 to 09/20/2017. On 9/21/2017, borrower called in said was evacuated due to Hurricane and will be contacting insurance carrier. On 11/9/2017, the borrower called in to authorize two payments. On 12/21/2017, the borrower called to set up draft and needing assistance. On 1/4/2018, borrower called in to authorize payments. There was no contact with borrower from 2/2018 through 8/2018. On 9/4/2018, borrower called to authorize draft. On 3/15/2019 borrower called to authorize March payment. There has been no further contact with the borrower as of the 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: 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 evidence of property damage and the nature of the damage is water. Comments dated 09/20/2017 reflect that the borrower needed to file an insurance claim due to water damage. As of the review date, there is no indication that the repairs were completed or the status of the insurance claim. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Performing - There is evidence of property damage. 9/25/2019
79404992 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         07/23/2019 Ongoing dialogue with borrower       Borrower called to setup a payment on 9/23/2017. Borrower advised dropped off post dated check at XXX on 1/14/2018.Third party; called for status and reinstatement figures. Associate was able to locate the beneficial transfer of trust with 3rd party name on it which was received on 01/23/2019. Associate provided the total amount due and informed they would order the fees and costs from foreclosure. ATP stated they are interested in a repayment plan and would like to speak with their SPOC. ATP stated they are a realtor and has had a couple of bad months and had to repair the roof. ATP stated sales have recently gone up and they can put down $5,000.00 on 03/22/2019 and proceed with a 6-month repayment plan. ATP called on 03/25/2018 for status of the repayment plan as it has been 2-weeks and has not heard anything and is wanting to make payment to keep it going further behind and understood and call was warm transferred to SPOC. SPOC advised there is no decision as of today and to allow to the end of business tomorrow. ATP stated the may possible more to pay towards the down payment, possibly $6,000.0 and has rental income of $1,350.00. Comment dated 03/26/2019 associate spoke with ATP who called to obtain update on the repayment plan. SPOC informed of the approval received today for $5,000.00 down and a 6-month plan. ATP stated they are able to make the down payment today plus the fee with next payment due 04/01/2019. SPOC made contact with ATP to introduce themselves and to see when they would be able to make the April payment. ATP stated they would be making payment on Monday once funds have cleared their account. SPOC offered to post date payment and ATP declined and stated they would call in the payment. SPOC provided their direct contact information and updated all account information. ATP called on 04/29/2019 stating the account should read "trust of" and was asked if they sent in a written request and ATP wanted to make 1 payment for now. Associate advised they are showing due for 4 and that ATP would need to speak with SPOC and call was warm transferred to team member. ATP stated they want to make payment for $3,059.00 and the loan should be listed as trustee and not estate of. Associate advised it would have to be handled by loan servicing department. Comment dated 05/23/2019 ATP requested calls to stop because the account is on a repayment plan and associate informed calls are computer/dialer operated and as long as the account is delinquent, they will receive calls and said thank you and hung up. Associate contacted ATP in regard to the May payment. ATP stated they were to close last week and was delayed until this week and they are attempting to borrower the funds before the end of the week and associate informed ATP to follow up with any new updates before then so they can discuss how to move forward. Comment dated 05/30/2019 ATP called requesting a deferment as they won't have any problems keeping the account current after that. ATP called on 05/31/2019 trying to get in contact with collection agents as they are trying to pursue a deferment and associate is requesting additional documentation. Associate advised to have sent to loss mitigation email this way they won't have a problem moving forward. Comment dated 07/09/2019 ATP called regarding lender placed insurance and was advised servicer can accept it for ATP as they would need to be named successor. ATP stated they are the successor and they are with XXX and went to the website and got a copy of the policy and associate provided fax number to send. ATP called on 07/10/2019 to process payment. ATP called on 07/17/2019 with questions regarding the insurance premium that was placed on the account and ATP stated they have supportive documentation showing they have their own insurance and wanted to know how that would affect their payment. Associate informed they would not be able to assist with that and they will have to send inquiry to loan servicing, and they will be able to explain. ATP was inquiring about an insurance refund and was informed it was issued on 07/11/2019. On 07/23/2019 ATP called regarding the insurance refund again and was advised the refund went to escrow and sent loan history via email and was advised lender placed insurance has been canceled and the credit was put back in escrow and the payment is not increasing and a refund check will not be issued to them directly. Loan is current.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Forbearance/Workout 05/31/2019 No Retention Yes           1 Completed                                 3 month deferment was completed on XX/XX/XXXX                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: Borrower called to setup a payment on 9/23/2017. Borrower advised dropped off post dated check at XXX on 1/14/2018.Third party; called for status and reinstatement figures. Associate was able to locate the beneficial transfer of trust with 3rd party name on it which was received on 01/23/2019. Associate provided the total amount due and informed they would order the fees and costs from foreclosure. ATP stated they are interested in a repayment plan and would like to speak with their SPOC. ATP stated they are a realtor and has had a couple of bad months and had to repair the roof. ATP stated sales have recently gone up and they can put down $5,000.00 on 03/22/2019 and proceed with a 6-month repayment plan. ATP called on 03/25/2018 for status of the repayment plan as it has been 2-weeks and has not heard anything and is wanting to make payment to keep it going further behind and understood and call was warm transferred to SPOC. SPOC advised there is no decision as of today and to allow to the end of business tomorrow. ATP stated the may possible more to pay towards the down payment, possibly $6,000.0 and has rental income of $1,350.00. Comment dated 03/26/2019 associate spoke with ATP who called to obtain update on the repayment plan. SPOC informed of the approval received today for $5,000.00 down and a 6-month plan. ATP stated they are able to make the down payment today plus the fee with next payment due 04/01/2019. SPOC made contact with ATP to introduce themselves and to see when they would be able to make the April payment. ATP stated they would be making payment on Monday once funds have cleared their account. SPOC offered to post date payment and ATP declined and stated they would call in the payment. SPOC provided their direct contact information and updated all account information. ATP called on 04/29/2019 stating the account should read "trust of" and was asked if they sent in a written request and ATP wanted to make 1 payment for now. Associate advised they are showing due for 4 and that ATP would need to speak with SPOC and call was warm transferred to team member. ATP stated they want to make payment for $3,059.00 and the loan should be listed as trustee and not estate of. Associate advised it would have to be handled by loan servicing department. Comment dated 05/23/2019 ATP requested calls to stop because the account is on a repayment plan and associate informed calls are computer/dialer operated and as long as the account is delinquent, they will receive calls and said thank you and hung up. Associate contacted ATP in regard to the May payment. ATP stated they were to close last week and was delayed until this week and they are attempting to borrower the funds before the end of the week and associate informed ATP to follow up with any new updates before then so they can discuss how to move forward. Comment dated 05/30/2019 ATP called requesting a deferment as they won't have any problems keeping the account current after that. ATP called on 05/31/2019 trying to get in contact with collection agents as they are trying to pursue a deferment and associate is requesting additional documentation. Associate advised to have sent to loss mitigation email this way they won't have a problem moving forward. Comment dated 07/09/2019 ATP called regarding lender placed insurance and was advised servicer can accept it for ATP as they would need to be named successor. ATP stated they are the successor and they are with XXX and went to the website and got a copy of the policy and associate provided fax number to send. ATP called on 07/10/2019 to process payment. ATP called on 07/17/2019 with questions regarding the insurance premium that was placed on the account and ATP stated they have supportive documentation showing they have their own insurance and wanted to know how that would affect their payment. Associate informed they would not be able to assist with that and they will have to send inquiry to loan servicing, and they will be able to explain. ATP was inquiring about an insurance refund and was informed it was issued on 07/11/2019. On 07/23/2019 ATP called regarding the insurance refund again and was advised the refund went to escrow and sent loan history via email and was advised lender placed insurance has been canceled and the credit was put back in escrow and the payment is not increasing and a refund check will not be issued to them directly. Loan is current. 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. 3 month deferment was completed 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. 2 - Current Status - Performing 9/25/2019
75890565 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 08/14/2019 Owner Occupied   UTD UTD 12/20/2018 Yes   12           N/A   0         10/10/2018 Contact attempts - however unable to contact borrower       On 08/10/2018 the authorized third party called to check loss mitigation status; it had not progressed due to incomplete information. On 08/25/2018 the third party was advised of a page of the loss mitigation application still missing. On 08/31/2018 the third party called to check the status and was advised that documents are being reviewed. On 09/10/2018 the third party discussed prior options and was provided a loss mitigation update. On 09/29/2018 the third party was reached to review the loan modification approval. The third party advised of trial modification acceptance on 10/10/2018. There was no further phone contact with the borrower or third party following 10/10/2018, despite attempts from the servicer through 07/31/2019.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 10/10/2018 No Retention Yes XX/XX/XXXX         1 Completed                                                                                                                                                                                                                                                                                                                                                                                                             No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 10/10/2018. On 08/10/2018 the authorized third party called to check loss mitigation status; it had not progressed due to incomplete information. On 08/25/2018 the third party was advised of a page of the loss mitigation application still missing. On 08/31/2018 the third party called to check the status and was advised that documents are being reviewed. On 09/10/2018 the third party discussed prior options and was provided a loss mitigation update. On 09/29/2018 the third party was reached to review the loan modification approval. The third party advised of trial modification acceptance on 10/10/2018. There was no further phone contact with the borrower or third party following 10/10/2018, despite attempts from the servicer through 07/31/2019. 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. 2 - Current Status - Performing 9/25/2019
79499291 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   191           N/A   0         01/23/2018 Contact attempts - however unable to contact borrower       There was no contact prior to 01/23/2018. On 01/23/2018 the borrower called in to discuss their auto pay. There was no further contact with the borrower.   Yes Yes Written Yes Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes           1 Completed             Monthly                                                                                                                                                                                                                                                                                                                                                                                               No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 01/23/2018. There was no contact prior to 01/23/2018. On 01/23/2018 the borrower called in to discuss their auto pay. There was no further 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. 2 - Current Status - Performing 9/25/2019
76137006 XXXXX XXXXX         Delinquent   07/31/2019 05/31/2018   Excessive Obligations 30 1 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         11/16/2018 Contact attempts - however unable to contact borrower       From 08/01/2017 through 08/10/2017, there was no contact with the borrower. On 08/11/2017, 3rd party authorized called to verify repayment plan. From 08/12/2017 to 08/15/2017, there was no contact with the borrower. On 08/16/2017, outbound call. The borrower stated that he will apply for another repayment plan. From 06/17/2017 to 09/25/2017, there was no contact with the borrower. On 09/26/2017, outbound call. The borrower stated that he does not understand why the repayment was cancelled. The agent transfer the call to be handled by an account specialist. From 09/27/2017 to 10/17/2017, there was no contact with the borrower. On 10/27/2017, 3rd party authorized called to verify the reason why the previous repayment was cancelled. The agent promised to return the call. From 10/28/2017 to 10/29/2017, there was no contact with the borrower. On 10/30/2017, outbound call. 3rd party authorized a payment over the phone. From 10/31/2017 to 11/28/2017, there was no contact with the borrower. On 11/29/2017, 3rd party authorized called to schedule a payment over the phone. The informed borrower that the repayment was canceled. 3rd payment was informed that he scheduled the wrong payment amount. From 11/30/2017 to 01/30/2018, there was no contact with the borrower. On 01/31/2018, 3rd party authorized scheduled a payment over the phone to fulfill repayment plan. From 02/01/2018 to 02/05/2018, there was no contact with the borrower. On 02/06/2018, 3rd party called and promised to make payment at the end of the month. On 02/07/2018 to 02/27/2018, there was no contact with the borrower. On 02/28/2018, 3rd authorized called to schedule a payment over the phone. From 03/01/2018 to 04/05/2018, there was no contact with the borrower. On 04/06/2018, outbound call. 3rd authorized was unable to handle call. From 04/07/2018 to 04/29/2018, there was no contact with the borrower. On 04/30/2018, 3rd party authorized called to scheduled payments toward the account. From 05/01/2018 to 05/30/2018, there was no contact with the borrower. On 05/31/2018,outbound call. 3rd party authorized called and scheduled a payment over the phone. From 06/01/2018 to 11/15/2018, there was no contact with the borrower. On 11/16/2018, 3rd party authorized called and requested a deferment. From 11/17/2018 through 07/30/2019, there was no other contact with the borrower.   Somewhat No     Fair Fair UTD Fair Moderate Reinstatement   No No No No No No No No No Yes No No No No No No No No No Yes Other Modification 11/16/2018 No Retention Yes XX/XX/XXXX         1 Completed   2 months deferment         Monthly                   Two months deferment.                                                                                                                                                                                                                                       No   No                                                                                                                               No No   No   No                   N/A No   No     Yes         LOAN STATUS: The current loan status is Delinquent. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 11/16/2018. From 08/01/2017 through 08/10/2017, there was no contact with the borrower. On 08/11/2017, 3rd party authorized called to verify repayment plan. From 08/12/2017 to 08/15/2017, there was no contact with the borrower. On 08/16/2017, outbound call. The borrower stated that he will apply for another repayment plan. From 06/17/2017 to 09/25/2017, there was no contact with the borrower. On 09/26/2017, outbound call. The borrower stated that he does not understand why the repayment was cancelled. The agent transfer the call to be handled by an account specialist. From 09/27/2017 to 10/17/2017, there was no contact with the borrower. On 10/27/2017, 3rd party authorized called to verify the reason why the previous repayment was cancelled. The agent promised to return the call. From 10/28/2017 to 10/29/2017, there was no contact with the borrower. On 10/30/2017, outbound call. 3rd party authorized a payment over the phone. From 10/31/2017 to 11/28/2017, there was no contact with the borrower. On 11/29/2017, 3rd party authorized called to schedule a payment over the phone. The informed borrower that the repayment was canceled. 3rd payment was informed that he scheduled the wrong payment amount. From 11/30/2017 to 01/30/2018, there was no contact with the borrower. On 01/31/2018, 3rd party authorized scheduled a payment over the phone to fulfill repayment plan. From 02/01/2018 to 02/05/2018, there was no contact with the borrower. On 02/06/2018, 3rd party called and promised to make payment at the end of the month. On 02/07/2018 to 02/27/2018, there was no contact with the borrower. On 02/28/2018, 3rd authorized called to schedule a payment over the phone. From 03/01/2018 to 04/05/2018, there was no contact with the borrower. On 04/06/2018, outbound call. 3rd authorized was unable to handle call. From 04/07/2018 to 04/29/2018, there was no contact with the borrower. On 04/30/2018, 3rd party authorized called to scheduled payments toward the account. From 05/01/2018 to 05/30/2018, there was no contact with the borrower. On 05/31/2018,outbound call. 3rd party authorized called and scheduled a payment over the phone. From 06/01/2018 to 11/15/2018, there was no contact with the borrower. On 11/16/2018, 3rd party authorized called and requested a deferment. From 11/17/2018 through 07/30/2019, there was no other contact with the borrower. Borrower is deceased and ---. The date of death is unknown. REASON FOR DEFAULT: The reason for default is excessive obligations. 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. Two months deferment. 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. 3 - Current Status - Delinquent - Deceased Borrower(s) - No Trustee/heir of Property Noted - Deceased Borrower(s) - No Death Certificate Received 9/25/2019
75699062 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   23           N/A   0         06/27/2019 Ongoing dialogue with borrower       On September 08, 2017, borrower called in and scheduled a payment to draft on September 29, 2017. October 23, 2017, outbound call to the borrower. The borrower answered and requested a call back later that day. Outbound call made on October 23, 2017, customer made a promise to pay for October 30, 2017. On November 11, 2017, there was an outbound call made to the customer. During the call a promise to pay was made and the borrower asked about modification. Outbound autodialed calls began on December 04, 2017, and went through December 18, 2017. Autodialed calls resumed on December 21, 2017. Received an inbound call from the borrower on December 28, 2017, requesting payment amount. Autodialed calls resumed on January 04, 2018. Next contact with the borrower was on January 19, 2018, where payments were discussed and possible loss mitigation. Borrower requested a follow up call on January 22, 2018. Next contact with the borrower was on January 30, 2018, where two payments were deferred and payments were scheduled for February and March. Autodialed calls began on April 03, 2018, through May 01, 2018. On May 01, 2018, spoke with unidentified third party who stated they would provide information to the borrower. Spoke with the borrower on May 01, 2018, stated lack of payments was due to lack of business, but he would bring the account current. Spoke with the borrower on May 15, 2018, and a promise to pay was made. On May 23, 2018, spoke with borrower. The borrower stated it was not a good time to talk. Autodialed calls resumed on May 24, 2018, though June 11, 2018. Spoke with borrower on June 11, 2018, about modification. July 11, 2018, spoke with the borrower about modification terms. Borrower made online payment on September 01, 2018. Borrower made online payment on October 01, 2018. Servicer spoke with the borrower on October 26, 2018, to confirm receipt of the modification and agreement to all loan terms. On October 30, 2018, the servicer spoke with the borrower about signing dates and future payment amounts. On November 15, 2018, the borrower called and confirmed signing the modification and made the November 2018 mortgage payment. Spoke with borrower on January 10, 2019, who stated he would make the payment by the 16th. On March 08, 2019, borrower made a payment through the automated phone system. Received inbound call from borrower on June 27, 2019, requesting updates on payments. They were advised that the payments made went to the May and June 2019 payment and the next one due was July 01, 2019. Borrower made an online payment on July 31, 2019, which brought the account current.   Somewhat No     Good Good N/A Good Moderate N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 11/15/2018 No Retention Yes XX/XX/XXXX   6.880% XX/XX/XXXX XX/XX/XXXX 1 Completed   Non Hamp         Monthly 243   $1,932.63                                                                                                                                                                                                                                                                                                                                                                                         No No   No   No                   Employed-Origination Employer No   Yes XXX 06/24/2019 Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/27/2019. On September 08, 2017, borrower called in and scheduled a payment to draft on September 29, 2017. October 23, 2017, outbound call to the borrower. The borrower answered and requested a call back later that day. Outbound call made on October 23, 2017, customer made a promise to pay for October 30, 2017. On November 11, 2017, there was an outbound call made to the customer. During the call a promise to pay was made and the borrower asked about modification. Outbound autodialed calls began on December 04, 2017, and went through December 18, 2017. Autodialed calls resumed on December 21, 2017. Received an inbound call from the borrower on December 28, 2017, requesting payment amount. Autodialed calls resumed on January 04, 2018. Next contact with the borrower was on January 19, 2018, where payments were discussed and possible loss mitigation. Borrower requested a follow up call on January 22, 2018. Next contact with the borrower was on January 30, 2018, where two payments were deferred and payments were scheduled for February and March. Autodialed calls began on April 03, 2018, through May 01, 2018. On May 01, 2018, spoke with unidentified third party who stated they would provide information to the borrower. Spoke with the borrower on May 01, 2018, stated lack of payments was due to lack of business, but he would bring the account current. Spoke with the borrower on May 15, 2018, and a promise to pay was made. On May 23, 2018, spoke with borrower. The borrower stated it was not a good time to talk. Autodialed calls resumed on May 24, 2018, though June 11, 2018. Spoke with borrower on June 11, 2018, about modification. July 11, 2018, spoke with the borrower about modification terms. Borrower made online payment on September 01, 2018. Borrower made online payment on October 01, 2018. Servicer spoke with the borrower on October 26, 2018, to confirm receipt of the modification and agreement to all loan terms. On October 30, 2018, the servicer spoke with the borrower about signing dates and future payment amounts. On November 15, 2018, the borrower called and confirmed signing the modification and made the November 2018 mortgage payment. Spoke with borrower on January 10, 2019, who stated he would make the payment by the 16th. On March 08, 2019, borrower made a payment through the automated phone system. Received inbound call from borrower on June 27, 2019, requesting updates on payments. They were advised that the payments made went to the May and June 2019 payment and the next one due was July 01, 2019. Borrower made an online payment on July 31, 2019, which brought the account current. 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 6.88%. The maturity date of the loan was extended to 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. 2 - Current Status - Performing 9/25/2019
79663669 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD 10/24/2018 Yes   13           N/A   0         07/30/2019 Ongoing dialogue with borrower       There was no contact with borrower and no attempts to contact borrower from 08/01/2017 to 08/07/2018. Borrower stated 08/08/2018 he will be retiring in a couple of months and they will have reduction of income.On 08/13/2018 borrower inquired again about options available when they retire, and associate explained the modification which would extend the terms and change interest rate. Borrower didn't know if they wanted to extend the terms and was informed of refinance being the best option and borrower scheduled payment for 08/15/2018. Borrower called on 09/13/2018 borrower called upset regarding letter left on door. Calls from 09/20/2018 to 11/20/2018 were regarding documents needed for workout review. Borrower called 11/29/2018 to confirm trial payments were set up. Associate confirmed the trial payment is set up for the 2nd mortgage and informed of payment options and borrower stated they will call back to setup the payment. Borrower called on 12/11/2018 regarding interest rate adjustment letter they received and was informed to ignore. Borrower also inquired about making partial payments every 2 weeks and was informed unable to accept partial payments at this time but once modification books they will be able to make partial payments if the account is current. Borrower scheduled payments on 12/21/2018, 01/29/2019, 02/27/2019. On 02/27/2019 borrower called with questions regarding the modification. Servicer informed borrower of the final loan modification terms and agreement and how to return and sign. Borrower called 03/01/2019 requesting assistance in filling out the modification documents. Borrower stated they would be sending documents back on 03/01/2019. Borrower called 03/11/2019 to confirm receipt of the FedEx package and was informed modification was approved. Borrower then asked about the 2nd mortgage. Payment was scheduled on 03/27/2019 with the effective date of 04/02/2019 and call was transferred for the 2nd lien. Borrower called about the 2nd lien should be under modification and was informed it is showing 5 payments past due and borrower stated they will call back to speak with loss mitigation. Call received from borrower on 03/28/2019 and on 04/05/2019 stating they have not received the executed modification and was informed it was sent on 03/22/2019. Associate informed borrower the 2nd lien modification is being created and borrower wanted to make payment for 04/02/2019. Payments scheduled by borrower on 04/30/2019 with effective date of 05/01/2019 for both liens and on 06/03/2019, 07/03/2019, 07/30/2019. Loan is performing.   Yes Yes Written Yes Good Fair N/A Good Moderate N/A   No No No No No No No No No No No No No No No No No No No Yes Other Modification 04/05/2019 No Retention Yes XX/XX/XXXX         1 Completed             Monthly                   Loan was approved for trial payment to begin on 12/01/2018-02/01/2019 with payment amount of $1,953.38.                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Retired No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/30/2019. There was no contact with borrower and no attempts to contact borrower from 08/01/2017 to 08/07/2018. Borrower stated 08/08/2018 he will be retiring in a couple of months and they will have reduction of income.On 08/13/2018 borrower inquired again about options available when they retire, and associate explained the modification which would extend the terms and change interest rate. Borrower didn't know if they wanted to extend the terms and was informed of refinance being the best option and borrower scheduled payment for 08/15/2018. Borrower called on 09/13/2018 borrower called upset regarding letter left on door. Calls from 09/20/2018 to 11/20/2018 were regarding documents needed for workout review. Borrower called 11/29/2018 to confirm trial payments were set up. Associate confirmed the trial payment is set up for the 2nd mortgage and informed of payment options and borrower stated they will call back to setup the payment. Borrower called on 12/11/2018 regarding interest rate adjustment letter they received and was informed to ignore. Borrower also inquired about making partial payments every 2 weeks and was informed unable to accept partial payments at this time but once modification books they will be able to make partial payments if the account is current. Borrower scheduled payments on 12/21/2018, 01/29/2019, 02/27/2019. On 02/27/2019 borrower called with questions regarding the modification. Servicer informed borrower of the final loan modification terms and agreement and how to return and sign. Borrower called 03/01/2019 requesting assistance in filling out the modification documents. Borrower stated they would be sending documents back on 03/01/2019. Borrower called 03/11/2019 to confirm receipt of the FedEx package and was informed modification was approved. Borrower then asked about the 2nd mortgage. Payment was scheduled on 03/27/2019 with the effective date of 04/02/2019 and call was transferred for the 2nd lien. Borrower called about the 2nd lien should be under modification and was informed it is showing 5 payments past due and borrower stated they will call back to speak with loss mitigation. Call received from borrower on 03/28/2019 and on 04/05/2019 stating they have not received the executed modification and was informed it was sent on 03/22/2019. Associate informed borrower the 2nd lien modification is being created and borrower wanted to make payment for 04/02/2019. Payments scheduled by borrower on 04/30/2019 with effective date of 05/01/2019 for both liens and on 06/03/2019, 07/03/2019, 07/30/2019. Loan is performing. 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. Loan was approved for trial payment to begin on 12/01/2018-02/01/2019 with payment amount of $1,953.38. 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. 2 - Current Status - Performing 9/25/2019
70804833 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/29/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/28/2019 Contact attempts - however unable to contact borrower       No contact from 8/1/2107 to 104/2017. On 10/5/2017 the borrower stated would mail the payment. On 10/10/2017 the borrower called to confirm the payment was received. On 10/30/2017 the borrower called to see if the auto draft payment document was sent. On 11/15/2017 the borrower called to make sure the payment made for November. No contact from 11/15/2017 to 6/27/2019. On 6/28/2019 the borrower confirmed is still on auto draft. The agent confirmed the information. Also stated the primary borrower passed in 2011. No contact from 6/29/2019 to 7/14/2019. On 7/15/2019 the co-borrower called to see if the death certificate was needed. Currently pending the death certificate. No further contact to 7/31/2019. The loan is currently performing.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No Yes No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                       No   Yes   Co-Borrower Retention                                                                                                                         No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/28/2019. No contact from 8/1/2107 to 104/2017. On 10/5/2017 the borrower stated would mail the payment. On 10/10/2017 the borrower called to confirm the payment was received. On 10/30/2017 the borrower called to see if the auto draft payment document was sent. On 11/15/2017 the borrower called to make sure the payment made for November. No contact from 11/15/2017 to 6/27/2019. On 6/28/2019 the borrower confirmed is still on auto draft. The agent confirmed the information. Also stated the primary borrower passed in 2011. No contact from 6/29/2019 to 7/14/2019. On 7/15/2019 the co-borrower called to see if the death certificate was needed. Currently pending the death certificate. No further contact to 7/31/2019. The loan is currently performing. Borrower is deceased and ---. The date of death is unknown. 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. 3 - Current Status - Performing - Deceased Borrower(s) - No Death Certificate Received - Deceased Borrower(s) - Trustee/Heir(s) identified and documented 9/25/2019
75221588 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/30/2019 Owner Occupied   UTD UTD   Incomplete   15 10 08/01/2017 05/08/2018     N/A   0         01/18/2019 Ongoing dialogue with borrower       There was no contact with the borrower from 05/09/2018 (beginning of collection comments provided) to 08/01/2018. On 08/02/2018, the borrower called gave one-time authorization to speak to third party contractor with insurance company. On 08/22/2018, the borrower called about the loss draft check. On 09/19/2018, the borrower called inquired why their being contacted advised welcome call transferred to loss draft. On 11/07/2018, the borrower called regarding status of claim and was advised that the endorsed claim check and signed estimate are needed. The borrower stated that they never received the check back and was advised to contact the insurance company and have them stop pay and reissue check. On 11/14/2018, the borrower called to see if the check was received and was advised yes they are waiting on funds to post to escrow. On 12/04/2018, the borrower called advised that a payment will be made online. On 01/18/2019, the borrower called requested the final inspection. 100% completion results were received on 01/29/2019 and the remainder of the loss draft funds were mailed to the borrower. Contact from 02/14/2019 through 07/15/2019 consisted of the borrower making payments. There was no further contact with the borrower.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention Yes           1 Completed                                                                                                                                                                                                                                                                                                                                                                                                             No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 01/18/2019. There was no contact with the borrower from 05/09/2018 (beginning of collection comments provided) to 08/01/2018. On 08/02/2018, the borrower called gave one-time authorization to speak to third party contractor with insurance company. On 08/22/2018, the borrower called about the loss draft check. On 09/19/2018, the borrower called inquired why their being contacted advised welcome call transferred to loss draft. On 11/07/2018, the borrower called regarding status of claim and was advised that the endorsed claim check and signed estimate are needed. The borrower stated that they never received the check back and was advised to contact the insurance company and have them stop pay and reissue check. On 11/14/2018, the borrower called to see if the check was received and was advised yes they are waiting on funds to post to escrow. On 12/04/2018, the borrower called advised that a payment will be made online. On 01/18/2019, the borrower called requested the final inspection. 100% completion results were received on 01/29/2019 and the remainder of the loss draft funds were mailed to the borrower. Contact from 02/14/2019 through 07/15/2019 consisted of the borrower making payments. There was no further 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. 2 - Collection Comments - Incomplete -; Missing 08/01/2017 - 05/08/2018 - Current Status - Performing 9/25/2019
71457086 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/05/2019 Owner Occupied   Single Family Detached UTD   Yes   24           N/A   0         07/01/2019 Not attempting to contact the borrower       The borrower had not called in and there were no attempts to contact the borrower from 08/01/2017 to 01/28/2018. On 01/29/2018, the borrower called in for account information and was advised that all information can be obtained on the website. The borrower had not called in and there were no attempts to contact the borrower from 01/30/2018 to 03/04/2018. On 03/05/2018, the borrower called in for the 1098 information and was advised that the statement was mailed out. On 03/12/2018, the borrower called in for the tax amount paid in 2017. The borrower had not called in and there were no attempts to contact the borrower from03/13/2018 to 06/30/2019. On 07/01/2019, the borrower called in to ask if the property roof was covered under the insurance policy and was advised that it is. There was no further contact with the borrower.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/01/2019. The borrower had not called in and there were no attempts to contact the borrower from 08/01/2017 to 01/28/2018. On 01/29/2018, the borrower called in for account information and was advised that all information can be obtained on the website. The borrower had not called in and there were no attempts to contact the borrower from 01/30/2018 to 03/04/2018. On 03/05/2018, the borrower called in for the 1098 information and was advised that the statement was mailed out. On 03/12/2018, the borrower called in for the tax amount paid in 2017. The borrower had not called in and there were no attempts to contact the borrower from03/13/2018 to 06/30/2019. On 07/01/2019, the borrower called in to ask if the property roof was covered under the insurance policy and was advised that it is. There was no further 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. 2 - Current Status - Performing 9/25/2019
74281812 XXXXX XXXXX         Performing Performing under Modification 07/31/2019     N/A 0 1 07/31/2019 Owner Occupied   UTD UTD   Yes   13           N/A   0         04/26/2019 Contact attempts - however unable to contact borrower       There was no contact with the borrower from 08/01/2017 through 08/30/2017. On 08/31/2017 The borrower called in to advise that she will not be able to make a payment this month. She made a promise to pay 2 payments next month. On 09/29/2017 The borrower stated that she was out of work for 3 days. She had water damage in the basement , ceiling fell down and no insurance claim was filed because the borrower does not have the $1000 deductible. A 3 month deferment was discussed. 10/13/2017 The borrower called to speak with his SPOC. The RFD was due to a family emergency and the hot water heater needed to be replaced. Hurricane Irma caused a tree to fall on the home that damaged the roof along with the ceiling. Water damage was also evident. No claim was filed due to the inability too afford the deductible. Estimated damages are $8000.00. The borrower scheduled 2 payments. 10/18/2017 A 3 month deferral was approved. 10/20/2017 The agent informed the borrower of the terms of the 3 month deferment.11/10/2017 The borrower called to discuss extra payment being made for escrow shortage. The agent advised the borrower that the amount was being calculated in with payment. 02/08/2018 The borrower stated that he was out of work and just started back to work. She made a promise to make a payment this month. 04/18/2018 The borrower was out of work from 10/2017-03/2018 and is trying to catch up on the loan. Loss mitigation options were discussed. 04/23/2018 The borrower called to check on the status of the modification. The agent advised that it could take 5-7 days to review. 05/02/2018 The borrower called in to speak to her SPOC and was transferred to the voicemail. 05/18/2018 The borrower called to check on the modification status. 05/23/2018 The agent advised the borrower that the modification was denied. A repayment plan was discussed. 06/06/2018 The agent went over the foreclosure status and provided the attorney contact information. 07/10/2018 The borrower stated that she is in the process of seeing if she can borrow against the equity. 07/13/2018 The borrower provided verbal authorization for the servicer to speak with a housing specialist. 07/25/2018 The borrower was informed that the file is under review for a modification. 07/28/2018 A 3 month trial modification was approved. Comment dated 08/01/2018 associate spoke with authorized third party (ATP) who updated email addresses and was informed they were approved for loan modification with a 3-month trial period with all payments being received in order for the modification to be successful. ATP stated they would speak with homeowner. Borrower called on 08/02/2019 for status of the loan modification and was informed of the approval with trial payments in the amount of $1,211.78 to begin on 08/02/2018. On 08/06/2019 borrower was informed once the loan is modified it will be current and still include escrow. Associate advised borrower they can apply for refinance to see if payment could be lowered. Borrower called on 11/06/2018 for status of the loan modification and associate informed borrower of the next steps and stated RFD being loss of job. Comment dated 11/26/2018 borrower stated they have received the documents and wanted to go over them with HUD agent and will return by 12/03/2018. Associate advised borrower to make a trial payment in December and the modification will start January 2019. Call received from borrower on 12/03/2018 to see if there was a grace period for the December payment and was informed the loan is showing due for XX/XX/XXXX as the modification was processed and informed borrower, they still need to make the December payment. Comment dated 12/07/2018 borrower inquired to how much is their payment and what is the grace period. Associate informed borrower payment is $1,087.17 and grace period till the 15th and borrower scheduled payment for 12/07/2018. Call received from borrower on 04/05/2019 to change the scheduled payment as they need will make payment by end of the month and asked when they would be reported to credit bureau. On 04/26/2019. The loan is currently performing.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No Yes No No No No No No No No Yes Other Modification 12/03/2018 No Retention Yes XX/XX/XXXX         1 Completed                                                                                                                                                                                                                                                                                     No         10/13/2017 09/29/2017- The borrower reported water in basement & ceiling fell down. No insurance claim. Deductible for repairs 1000.00 and home owner does not have funds for this at this time 10/13/2017-She stated that she was also affected by hurricane Irma, that the winds and rain caused a tree to fall on her home and it damaged her roof along with the ceiling inside her home. She stated she also received some water damage and in her home. She stated contacted her insurance company and could not afford the deductible. She stated that she had to have water damage treated to prevent mold and complete repairs on her home in the amount of 8000.00. There is no evidence that the repairs were made.   Water No     Not Started   No   Yes Hurricane 09/10/2017 Yes                                                                                 No No   No   No                   Employed-New Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: There was no contact with the borrower from 08/01/2017 through 08/30/2017. On 08/31/2017 The borrower called in to advise that she will not be able to make a payment this month. She made a promise to pay 2 payments next month. On 09/29/2017 The borrower stated that she was out of work for 3 days. She had water damage in the basement , ceiling fell down and no insurance claim was filed because the borrower does not have the $1000 deductible. A 3 month deferment was discussed. 10/13/2017 The borrower called to speak with his SPOC. The RFD was due to a family emergency and the hot water heater needed to be replaced. Hurricane Irma caused a tree to fall on the home that damaged the roof along with the ceiling. Water damage was also evident. No claim was filed due to the inability too afford the deductible. Estimated damages are $8000.00. The borrower scheduled 2 payments. 10/18/2017 A 3 month deferral was approved. 10/20/2017 The agent informed the borrower of the terms of the 3 month deferment.11/10/2017 The borrower called to discuss extra payment being made for escrow shortage. The agent advised the borrower that the amount was being calculated in with payment. 02/08/2018 The borrower stated that he was out of work and just started back to work. She made a promise to make a payment this month. 04/18/2018 The borrower was out of work from 10/2017-03/2018 and is trying to catch up on the loan. Loss mitigation options were discussed. 04/23/2018 The borrower called to check on the status of the modification. The agent advised that it could take 5-7 days to review. 05/02/2018 The borrower called in to speak to her SPOC and was transferred to the voicemail. 05/18/2018 The borrower called to check on the modification status. 05/23/2018 The agent advised the borrower that the modification was denied. A repayment plan was discussed. 06/06/2018 The agent went over the foreclosure status and provided the attorney contact information. 07/10/2018 The borrower stated that she is in the process of seeing if she can borrow against the equity. 07/13/2018 The borrower provided verbal authorization for the servicer to speak with a housing specialist. 07/25/2018 The borrower was informed that the file is under review for a modification. 07/28/2018 A 3 month trial modification was approved. Comment dated 08/01/2018 associate spoke with authorized third party (ATP) who updated email addresses and was informed they were approved for loan modification with a 3-month trial period with all payments being received in order for the modification to be successful. ATP stated they would speak with homeowner. Borrower called on 08/02/2019 for status of the loan modification and was informed of the approval with trial payments in the amount of $1,211.78 to begin on 08/02/2018. On 08/06/2019 borrower was informed once the loan is modified it will be current and still include escrow. Associate advised borrower they can apply for refinance to see if payment could be lowered. Borrower called on 11/06/2018 for status of the loan modification and associate informed borrower of the next steps and stated RFD being loss of job. Comment dated 11/26/2018 borrower stated they have received the documents and wanted to go over them with HUD agent and will return by 12/03/2018. Associate advised borrower to make a trial payment in December and the modification will start January 2019. Call received from borrower on 12/03/2018 to see if there was a grace period for the December payment and was informed the loan is showing due for XX/XX/XXXX as the modification was processed and informed borrower, they still need to make the December payment. Comment dated 12/07/2018 borrower inquired to how much is their payment and what is the grace period. Associate informed borrower payment is $1,087.17 and grace period till the 15th and borrower scheduled payment for 12/07/2018. Call received from borrower on 04/05/2019 to change the scheduled payment as they need will make payment by end of the month and asked when they would be reported to credit bureau. On 04/26/2019. The loan is currently performing. 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 evidence of property damage and the nature of the damage is water. 09/29/2017- The borrower reported water in basement & ceiling fell down. No insurance claim. Deductible for repairs 1000.00 and home owner does not have funds for this at this time 10/13/2017-She stated that she was also affected by hurricane Irma, that the winds and rain caused a tree to fall on her home and it damaged her roof along with the ceiling inside her home. She stated she also received some water damage and in her home. She stated contacted her insurance company and could not afford the deductible. She stated that she had to have water damage treated to prevent mold and complete repairs on her home in the amount of 8000.00. There is no evidence that the repairs were made. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. 3 - Current Status - Performing - There is evidence of property damage. 9/25/2019
70259482 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/18/2019 Owner Occupied   UTD UTD 09/27/2017 Yes   24           N/A   0         07/16/2019 Not attempting to contact the borrower       There was no contact prior to 08/03/2017. On 08/03/2017 and 09/05/2017, payments were scheduled for $1,299.20 for 08/16 and for $1,182.61 for 09/16 respectively. On 09/13/2017, the customer called about doing a forbearance since was partially affected by Hurricane Irma. Owner occupancy was verified. On 09/20/2017, the borrower accepted a two-month deferment which was processed that same day. A disaster inspection was completed on 09/27/2017; but no damage was reported. On 10/16/2017, the customer changed the date for the scheduled escrow payment from 10/20/2017 to 11/03/2017 for the same amount of $660.06. On 11/07/2017, an authorized third party was informed of the principal balance, last payment received, next date due and if late. On 12/15/21017, the borrower requested assistance with the web site. There was no borrower response to contact attempts between 12/16/2017 and 02/15/2018. On 02/16/2018, the borrower scheduled a payment for $1,182.61. There was no response to contact attempts between 02/17/2018 and 04/11/2018. On 04/12/2018and 05/02/2018, the customer scheduled payments for $1,182.61.00. A marriage certificate was received on 05/21/2018 and the borrower's name was updated. There was no borrower response to contact attempts between 05/22/2018 and 07/08/2018. On 08/07/2018, 09/11/2018, 10/12/2018, 11/07/2018, 12/03/2018, 01/16/2019, 02/07/2019, the borrower scheduled payments for $1,166.90. On 02/18/2019, the agent confirmed that the payment had been scheduled for 02/16/2019. On 03/15/2019, 04/16/2019 and 05/07/2019, the customer scheduled payments for $1,351.43. On 5/16/2019, the homeowner requested that the escrow shortage be spread and scheduled a payment. On 05/22/2019, the customer called in to make a payment and check on the new escrow analysis. The servicer agreed to waive the late fee; but not the NSF fee. On 07/16/2019, the borrower scheduled a payment for $1,403.25. There was no additional contact.   Yes No     Good Good N/A Good Weak N/A   No No No No No No No No No No No No No No No No No No No Yes Other 09/20/2017 No Retention No                                                                                                                                                                                                                                                                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/16/2019. There was no contact prior to 08/03/2017. On 08/03/2017 and 09/05/2017, payments were scheduled for $1,299.20 for 08/16 and for $1,182.61 for 09/16 respectively. On 09/13/2017, the customer called about doing a forbearance since was partially affected by Hurricane Irma. Owner occupancy was verified. On 09/20/2017, the borrower accepted a two-month deferment which was processed that same day. A disaster inspection was completed on 09/27/2017; but no damage was reported. On 10/16/2017, the customer changed the date for the scheduled escrow payment from 10/20/2017 to 11/03/2017 for the same amount of $660.06. On 11/07/2017, an authorized third party was informed of the principal balance, last payment received, next date due and if late. On 12/15/21017, the borrower requested assistance with the web site. There was no borrower response to contact attempts between 12/16/2017 and 02/15/2018. On 02/16/2018, the borrower scheduled a payment for $1,182.61. There was no response to contact attempts between 02/17/2018 and 04/11/2018. On 04/12/2018and 05/02/2018, the customer scheduled payments for $1,182.61.00. A marriage certificate was received on 05/21/2018 and the borrower's name was updated. There was no borrower response to contact attempts between 05/22/2018 and 07/08/2018. On 08/07/2018, 09/11/2018, 10/12/2018, 11/07/2018, 12/03/2018, 01/16/2019, 02/07/2019, the borrower scheduled payments for $1,166.90. On 02/18/2019, the agent confirmed that the payment had been scheduled for 02/16/2019. On 03/15/2019, 04/16/2019 and 05/07/2019, the customer scheduled payments for $1,351.43. On 5/16/2019, the homeowner requested that the escrow shortage be spread and scheduled a payment. On 05/22/2019, the customer called in to make a payment and check on the new escrow analysis. The servicer agreed to waive the late fee; but not the NSF fee. On 07/16/2019, the borrower scheduled a payment for $1,403.25. There was no additional contact. 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. 2 - Current Status - Performing 9/25/2019
71463986 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 1 07/15/2019 Owner Occupied   Single Family Detached UTD   Yes   24           N/A   0         11/09/2018 Ongoing dialogue with borrower       On 08/02/2017, the borrower inquired about missing documentation for the loss mitigation review. Contact from 08/03/2017 through 08/30/2017 consisted of modification review documentation communications. The borrower was approved for a loan modification trial on 08/31/2017. On 09/18/2017, the borrower made a payment. On 10/10/2017, the borrower advised that the insurance adjuster had not yet been to the property to assess the hurricane damage to the roof. On 10/31/2017, the borrower called in to make the second trial payment and advised that the reason for default was curtailment of income. On 11/07/2017, the borrower asked what to do with the insurance claim check that was received and was advised to send it into the loss draft department. On 11/30/2017, the borrower made the third trial payment. On 12/16/2017, the borrower was advised that the final modification documents have been mailed. Contact from 01/15/2018 through 07/12/2019 consisted of the borrower making payments. There was no further contact with the borrower.   Yes No     Good Good N/A Good Weak N/A   No No No No Yes No No No No No Yes No No No No No No No No No       Retention No                                                                                                                                                                                               1 Discharged   UTD             No     XX/XX/XXXX       No       No     No                                                   Yes         09/11/2017 Insurance funds in the amount of 9724.32 were received on 10/31/2017 for hurricane damage to the roof on 09/11/2017. No further details were provided and there is no evidence of completed repairs.   Wind UTD     Not Started   No   Yes Hurricane 09/11/2017 Yes                                                                                 No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 11/09/2018. On 08/02/2017, the borrower inquired about missing documentation for the loss mitigation review. Contact from 08/03/2017 through 08/30/2017 consisted of modification review documentation communications. The borrower was approved for a loan modification trial on 08/31/2017. On 09/18/2017, the borrower made a payment. On 10/10/2017, the borrower advised that the insurance adjuster had not yet been to the property to assess the hurricane damage to the roof. On 10/31/2017, the borrower called in to make the second trial payment and advised that the reason for default was curtailment of income. On 11/07/2017, the borrower asked what to do with the insurance claim check that was received and was advised to send it into the loss draft department. On 11/30/2017, the borrower made the third trial payment. On 12/16/2017, the borrower was advised that the final modification documents have been mailed. Contact from 01/15/2018 through 07/12/2019 consisted of the borrower making payments. There was no further 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 evidence of bankruptcy on the loan. The bankruptcy filing date is unavailable. The bankruptcy chapter is unavailable. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. 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 evidence of property damage and the nature of the damage is wind. Insurance funds in the amount of 9724.32 were received on 10/31/2017 for hurricane damage to the roof on 09/11/2017. No further details were provided and there is no evidence of completed repairs. Property repairs have not started. The property condition is UTD. The current occupancy status is owner occupied. ADDITIONAL INFORMATION The property is located in a FEMA disaster area affected by a hurricane as noted on 09/11/2017. 3 - Current Status - Performing - There is evidence of property damage. 9/25/2019
77462753 XXXXX XXXXX         Bankruptcy   07/31/2019 02/19/2019   N/A Bankruptcy 1 07/26/2019 Owner Occupied   UTD UTD 08/12/2018 Yes   15           N/A   0         07/26/2019 Ongoing dialogue with borrower       No contact prior to 07/11/2018. On 07/11/2018 the borrower stated the house is sold and is closing on 07/31/2018. On 09/14/2018 the borrower stated will send in the documents and call in on Monday. On 08/15/2018 the borrower advised due to recent fires in the area the property closing was cancelled as the home suffered smoke damages. No indication the borrower filed any insurance claims and no indication of further damages noted. On 09/18/2018 the borrower advised 23 pages of documents have been faxed in. On 10/0/52018 the borrower advised back to work and roommate will be helping out with the bills. On 10/24/2018 the borrower was advised they qualify for a loan modification. On 10/29/2018, the borrower was provided the trial period payments dates and amounts. On 11/28/2018, the borrower promised to pay $2,266.06. On 03/07/2018, the borrower called in to discuss the loan modification documents. The servicer advised the documents have been sent to the Vice President for signature. Notes indicate the trial payment plan to begin on 02/01/2019. On 04/26/2019 the servicer explained the $95.00 fee is for past foreclosure fees. On 05/06/2019 the borrower promised to pay $1,240.63 drafting on 05/06/2019. On 06/14/2019 the borrower contacted servicer to make a payment of $1,240.63 drafting on 06/14/2019. The servicer advised they could not discuss the loan in further details due to the active bankruptcy status. The borrower stated they did not intend for the property to be listed within the bankruptcy and did not realize the loan was in active bankruptcy status. The servicer discussed possible reaffirmation; however, no indication the borrower has moved forward with reaffirmation. On 06/28/2019, the borrower was approved for loan modification and the executed modification agreement was uploaded into the system. On 07/26/2019, the borrower promised to pay $1,240.63 drafting on 07/26/2019. The loan appears to be performing under modification as of end of review period.   Yes No     Good Fair N/A Good Moderate N/A   No No No No Yes No No No No No No No No No No No No No No Yes Other Modification 06/28/2019 No Retention Yes XX/XX/XXXX         1 Completed   Non-Hamp Modification         Monthly                                                                                                                                                                   1 Active   Chapter 7 XXX XX/XX/XXXX         No             No       No     N/A   Noted 06/14/2019 the borrower stated they did not intend for the property to be listed within the bankruptcy and did not realize it was in active bankruptcy. The servicer discussed possible reaffirmation; however no indication the borrower has moved forward with reaffirmation. Borrower was approved for loan modification on 06/28/2019.                                                                                                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 07/26/2019. No contact prior to 07/11/2018. On 07/11/2018 the borrower stated the house is sold and is closing on 07/31/2018. On 09/14/2018 the borrower stated will send in the documents and call in on Monday. On 08/15/2018 the borrower advised due to recent fires in the area the property closing was cancelled as the home suffered smoke damages. No indication the borrower filed any insurance claims and no indication of further damages noted. On 09/18/2018 the borrower advised 23 pages of documents have been faxed in. On 10/0/52018 the borrower advised back to work and roommate will be helping out with the bills. On 10/24/2018 the borrower was advised they qualify for a loan modification. On 10/29/2018, the borrower was provided the trial period payments dates and amounts. On 11/28/2018, the borrower promised to pay $2,266.06. On 03/07/2018, the borrower called in to discuss the loan modification documents. The servicer advised the documents have been sent to the Vice President for signature. Notes indicate the trial payment plan to begin on 02/01/2019. On 04/26/2019 the servicer explained the $95.00 fee is for past foreclosure fees. On 05/06/2019 the borrower promised to pay $1,240.63 drafting on 05/06/2019. On 06/14/2019 the borrower contacted servicer to make a payment of $1,240.63 drafting on 06/14/2019. The servicer advised they could not discuss the loan in further details due to the active bankruptcy status. The borrower stated they did not intend for the property to be listed within the bankruptcy and did not realize the loan was in active bankruptcy status. The servicer discussed possible reaffirmation; however, no indication the borrower has moved forward with reaffirmation. On 06/28/2019, the borrower was approved for loan modification and the executed modification agreement was uploaded into the system. On 07/26/2019, the borrower promised to pay $1,240.63 drafting on 07/26/2019. The loan appears to be performing under modification as of end of review period. 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 7. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. Noted 06/14/2019 the borrower stated they did not intend for the property to be listed within the bankruptcy and did not realize it was in active bankruptcy. The servicer discussed possible reaffirmation; however no indication the borrower has moved forward with reaffirmation. Borrower was approved for loan modification on 06/28/2019. 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. 3 - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Current Status - Bankruptcy 9/25/2019
70713652 XXXXX XXXXX         Bankruptcy   07/31/2019     N/A Bankruptcy 1 07/30/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         06/07/2019 Not attempting to contact the borrower       From 08/01/2017 to 08/16/2017, there was no contact with the borrower. On 08/15/2017, outbound call. The borrower promised to make a payment and declined to schedule payment over the phone. The borrower requested copy of the note. From 08/16/2017 to 05/08/2018, outbound call. The borrower asked for the current account status. The borrower requested a payoff good thru 05/31/2018. From 05/09/2018 to 08/02/2018, there was no contact with the borrower. On 08/03/2018, outbound call. The borrower stated that his spouse already scheduled a payment. From 08/04/2018 to 10/21/2018, there was no contact with the borrower. On 10/22/2018, the borrower called to request a bill statement. From 10/23/2018 to 06/06/2019, there was no contact with the borrower. On 06/07/2019, the borrower called to verify status of upstanding legal fee. The borrower promised to make a payment within the grace period. From 06/08/2019 to 07/31/2019, there was no other contact with the borrower.   Yes No     Good Good N/A Good Moderate N/A   No No No No Yes No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                               2 Active 07/03/2019 Chapter 7 XXX XX/XX/XXXX         No             No       No     No   Meeting with creditor scheduled for XX/XX/XXXX; projected discharged date XX/XX/XXXX. Prior bankruptcy, case XXX, filed date, XX/XX/XXXX, discharged date XX/XX/XXXX.                                                                                                                                                                       No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Bankruptcy. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 06/07/2019. From 08/01/2017 to 08/16/2017, there was no contact with the borrower. On 08/15/2017, outbound call. The borrower promised to make a payment and declined to schedule payment over the phone. The borrower requested copy of the note. From 08/16/2017 to 05/08/2018, outbound call. The borrower asked for the current account status. The borrower requested a payoff good thru 05/31/2018. From 05/09/2018 to 08/02/2018, there was no contact with the borrower. On 08/03/2018, outbound call. The borrower stated that his spouse already scheduled a payment. From 08/04/2018 to 10/21/2018, there was no contact with the borrower. On 10/22/2018, the borrower called to request a bill statement. From 10/23/2018 to 06/06/2019, there was no contact with the borrower. On 06/07/2019, the borrower called to verify status of upstanding legal fee. The borrower promised to make a payment within the grace period. From 06/08/2019 to 07/31/2019, there was no other 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 7. The bankruptcy was filed under case number XXX. The most recent bankruptcy status is active. Meeting with creditor scheduled for XX/XX/XXX; projected discharged date XX/XX/XXXX. Prior bankruptcy, case XXX, filed date, XX/XX/XXX, discharged date XX/XX/XXXX. 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. 3 - Bankruptcy - Bk Filed - No evidence MFR filed - Bankruptcy - BK Filed - No evidence POC filed - Current Status - Bankruptcy 9/25/2019
76827789 XXXXX XXXXX         Performing Regular Payments 07/31/2019     N/A 0 2 07/31/2019 Owner Occupied   UTD UTD   Yes   24           N/A   0         09/11/2018 Contact attempts - however unable to contact borrower       There is no contact from 08/01/2017 to 09/11/2018. There was no prior contact prior to 09/10/18. On 09/11/18, borrower upset over auto dialer calls and disputed tad. Borrower made a payment. On 03/27/19, borrower made a payment for $300 on 03/27/19, $300 for 04/01/19, $1971.81 for 05/08/19. Borrower stated lost job found employment but it wasn't paying enough. Borrower plans to bring account current by 05/07/19. On 05/13/19, borrower stated would like to bring account current and made a reinstatement payment. There was no further contact.   Yes No     Good Good N/A Good Moderate N/A   No No No No Yes No No No No No No No No No No No No No No No       Retention No                                                                                                                                                                                               1 Discharged 08/16/2011 Chapter 7   XX/XX/XXXX XXX XXX     No     XX/XX/XXXX       No       No     No                                                                                                                                                                           No No   No   No                   Employed-Origination Employer No   No     Yes         LOAN STATUS: The current loan status is Performing. BORROWER CONTACT: The last contact with the borrower or authorized third party on the borrower's behalf was 09/11/2018. There is no contact from 08/01/2017 to 09/11/2018. There was no prior contact prior to 09/10/18. On 09/11/18, borrower upset over auto dialer calls and disputed tad. Borrower made a payment. On 03/27/19, borrower made a payment for $300 on 03/27/19, $300 for 04/01/19, $1971.81 for 05/08/19. Borrower stated lost job found employment but it wasn't paying enough. Borrower plans to bring account current by 05/07/19. On 05/13/19, borrower stated would like to bring account current and made a reinstatement payment. There was no further contact. REASON FOR DEFAULT: The loan is performing and delinquency reason is not applicable. 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 7. The bankruptcy case number is not available. The most recent bankruptcy status is discharged. The bankruptcy was discharged on XX/XX/XXXX and there is no evidence of reaffirmation. 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. 2 - Bankruptcy - CH 7 - Discharged w/o Reaffirmation - Current Status - Performing - Loan - Subject Lien is not in 1st Position 9/25/2019