EX-99.3 20 efc20-448_ex993s5.htm SCHEDULE 5 - EXCEPTION DETAIL REPORT
GS Exception Detail Report - 5/11/2020

GS Loan ID Seller ID Number Finding ID Deal Num Investor Loan Number Deal Specific Name Exception ID Last Name Loan Purpose Occupancy Note Date State Original Loan Amount Loan Status Exception Date Exception Type Exception Subcategory Exception Status Exception Status Change Date Exception Grade Exception Exception Information Exception Rebuttal Exception Rebuttal Date Status Comment DR Response Date
32818371   XXXXX   83156030 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit Tax Returns Obtained Resolved   1 Credit Tax returns for the previous two (2) years, XXXX and XXX were obtained and the borrower was qualified with Schedule C income however the tax returns were not signed as required. XXXX and XXXX signed taxes returns provided. Rebuttal (XX/XX/XXXX 2:14PM) Documentation provided is sufficient. (Resolved) Response (XX/XX/XXXX 2:15PM)
32818371   XXXXX   83156030 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
32818371   XXXXX   83156030 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
32818386   XXXXX   83216183 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
32818386   XXXXX   83216183 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID CD - Settlement Agent License Acknowledged   2 Compliance The license number is missing for the Settlement Agent Individual Contact on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z)12 CFR 1026.38(r)(3), (5)        
32818386   XXXXX   83216183 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance XXXX Tangible Net Benefit Disclosure Resolved   1 Compliance The XXXX Tangible Net Benefit Disclosure is Missing. Required for all mortgage loans to evidence that the loan is beneficial to the borrower. XXXX Mortgage Loan Originator Licensing and Mortgage Company Registration Act XXXX Rev. Stat. Ann. 12-61-904.5; 4 XXXX Code Regs. ' 725-3, Rule 3-1-1, 5(5) / 4 XXX Code Regs. ' 725-3, 5.8 Document uploaded Rebuttal (XX/XX/XXXX 11:31AM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 11:31AM)
32818386   XXXXX   83216183 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit Debts Not verified on credit report Resolved   1 Credit The application lists significant debts that were not verified on the credit report and not independently verified. The borrowers disclosed a new auto loan with XXXX, loan amount $XXXX and a $XXX per month payment without providing supporting documentation. Credit supplement provided. Rebuttal (XX/XX/XXXX 4:33PM) Documentation provided is sufficient. (Resolved) Response (XX/XX/XXXX 4:34PM)
33417217   XXXXX   2101002851 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417217   XXXXX   2101002851 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33417217   XXXXX   2101002851 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Closing Information/File number Info Acknowledged   2 Compliance The PCCD issued on XX/XX/XXXX does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)        
33417217   XXXXX   2101002851 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- 'Title' missing Acknowledged   2 Compliance The SB2 Recording Fee on the PCCD is not preceded by the word 'Title'. Per Regulation, services related to the issuance of title insurance policies must be described with the word 'Title' at the beginning of the item. Truth in Lending Act (Regulation Z)12 CFR 1026.38(f)(2)-(3), 12 CFR 1029.38(g)(4)(i); 12 CFR 1026.37(f)(2)(i) & Official Comment 37(f)(2)-3, 12 CFR 1026.37(f)(3)(i)        
33417219   XXXXX   2101003320 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417219   XXXXX   2101003320 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
33417219   XXXXX   2101003320 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit REO PITI Resolved   1 Credit The Borrowers own other real estate and the PITI for each additional mortgage is not confirmed/documented. The 1003 reflected a mortgage with XXXX for $XXXX and a monthly payment of $XXXX for a new second home located XXXX which was documented with a Final 1008, tax cert and Hazard insurance policy; however, the Schedule of REO reflected an additional maintenance payment of $XXXX which was not documented as required. It should be noted, a property search performed by the reviewer confirmed a monthly HOA payment of $XXXX per month. Appraisal provided for XXXX which verified HOA of $XXXX. Rebuttal (XX/XX/XXXX 10:17AM) Documentation provided is sufficient. (Resolved) Response (XX/XX/XXXX 10:18AM)
33417223   XXXXX   83189546 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Initial LE Delivery Date (from application) Resolved   1 Compliance The loan failed the Initial Loan Estimate delivery date test (from application). The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(iii)(A) Initial LE uploaded Rebuttal (XX/XX/XXXX 3:00PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 12:02PM)
33417223   XXXXX   83189546 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID Tolerance - Zero Tolerance Violation (Disclosure Timing Fail) Resolved   1 Compliance This loan failed the charges that cannot increase test. (12 CFR �1026.19(e)(3)(i)). The loan contains charges that exceed the good faith determination according to �1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Discount Points $XXXX, Administration Fee $XXXX, Appraisal $XXXX, Appraisal Rush $XXXX Credit Report $XXXX, Credit Supplements $XXXX, Flood Certification $XXXX, Tax Service $XXXX. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXXX is required. Truth in Lending Act (Regulation Z). 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv). LE issued XX/XX/XXXX uploaded XX/XX/XXXX Rebuttal (XX/XX/XXXX 7:12PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 10:24AM)
33417223   XXXXX   83189546 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - XX% Tolerance Violation Not Cured Resolved   1 Compliance This loan failed the charges that in total cannot increase more than XX% test. (12 CFR �1026.19(e)(3)(ii)). The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to �1026.19(e)(3)(ii). The final charges that in total cannot increase more than XX% ($XXXX) exceed the comparable charges ($XXXX) by more than XX%. Because the loan failed the Initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely, will not be considered valid for tolerance purposes. Therefore, baseline did not reset as a result of the following additions: Title- Courier/Messenger $XXXX, Title- Lender's Title Insurance $XXXX, Title- Sales Tax Settlement Services $XXXX, Title- Settlement $XXXX, and Recording $XXXX. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXX is required. LE issued XX/XX/XXXX uploaded XX/XX/XXXX Rebuttal (XX/XX/XXXX 7:12PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 10:25AM)
33417223   XXXXX   83189546 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit AUS Missing Resolved   1 Credit The AUS is missing from the loan file. The Final 1008 indicates the subject loan received a DU Recommendation of Approve/Eligible; however, the AUS was not in the loan file. AUS Uploaded Rebuttal (XX/XX/XXXX 3:00PM) Documentation provided is sufficient. (Resolved) Response (XX/XX/XXXX 8:19AM)
33417223   XXXXX   83189546 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)        
33417223   XXXXX   83189546 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - SPL - Late Acknowledged   2 Compliance The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(vi)(C)        
33417223   XXXXX   83189546 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417224   XXXXX   83198043 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Acknowledged   2 Compliance The file contains a certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii), creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following section: C. The fees are not subject to tolerance.        
33417224   XXXXX   83198043 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD - Calculating Cash to Close LE column Acknowledged   2 Compliance The Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the revised LE issued on XX/XX/XXXX.        
33417224   XXXXX   83198043 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33417224   XXXXX   83198043 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within 10% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417231   XXXXX   83210299 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33417231   XXXXX   83210299 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
33417231   XXXXX   83210299 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417256   XXXXX   83223005 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID- Seller CD- inaccurate seller credit Resolved   1 Compliance The seller credits on the Seller's CD provided in the loan file do not match the seller credits on the consumer's CD. The Seller CD reflects a seller credit of $XXXX which was not disclosed on the consumer's CD. The settlement agent is required to provide the seller with the Closing Disclosure reflecting the actual terms of the seller's transaction. (' 1026.19(f)(4)(i)). CD's uploaded XX/XX/XXXX Rebuttal (XX/XX/XXXX 7:12PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 10:28AM)
33417256   XXXXX   83223005 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Closing Information/Disbursement Date Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(iii)        
33417256   XXXXX   83223005 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Acknowledged   2 Compliance The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX after providing funds to close in the amount of $XXXX. The fees appear to be in the following sections: B, C, E, F, G, L and K. The fees are subject to tolerance.        
33417256   XXXXX   83223005 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Incorrect Section Acknowledged   2 Compliance The Title-Lender's Title Insurance and Title-Signing Agent Fees were included in Section B of the CD issued on XX/XX/XXXX. However, these fees should have been entered under Section C. Truth in Lending Act (Regulation Z)12 CFR 1026.38(f), (g)        
33417256   XXXXX   83223005 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)        
33417256   XXXXX   83223005 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417256   XXXXX   83223005 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33417257   XXXXX   83223075 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID - XX% Tolerance Violation Not Cured Resolved   1 Compliance The loan failed the charges that in total cannot increase more than XX% test due to the following: This loan failed the charges that in total cannot increase more than XX% test. (12 CFR �1026.19(e)(3)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to �1026.19(e)(3)(ii). The final charges that in total cannot increase more than XX% ($XXXX) exceed the comparable charges ($XXXX) by more than XX%. A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: Courier/Messenger Fees, Lender's Title Insurance, Notary Fees, Recording Service Fee and Recording Fee. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. A cost to cure in the amount of $XXXX is required. Documents uploaded Rebuttal (XX/XX/XXXX 1:48PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 1:49PM)
33417257   XXXXX   83223075 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID CD ' Closing Information/File number Info Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct File number. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(v)        
33417257   XXXXX   83223075 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID CD- Section B incorrect payee Acknowledged   2 Compliance The loan contains a fee or fees where 'compensation to' is blank under Section B- Services Borrower Did Not Shop For of the revised CD issued on XX/XX/XXXX. Per regulation 1026.38(f)(2), the name of the person/company ultimately receiving payment for service should be listed.        
33417257   XXXXX   83223075 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)        
33417257   XXXXX   83223075 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417257   XXXXX   83223075 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit AUS Missing Resolved   1 Credit The Loan Transmittal indicates subject transaction Risk Assessment was completed through DU AUS receiving an Approve/Eligible, case ID #XXXX. However; the AUS is missing from the loan file. Additional conditions may apply after review. DU Approve/Eligible Case ID XXXX was provided. Rebuttal (XX/XX/XXXX 10:15AM) Documentation provided is sufficient. (Resolved) Response (XX/XX/XXXX 10:18AM)
33417257   XXXXX   83223075 XXXX XXXX XXXX Other-than-first-time Home Purchase Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit Hazard Insurance Resolved   1 Credit FNMA guidelines require either the Master Policy contains "all-in" coverage or an HO-6 Policy. The Master Policy does not indicate "all-in" coverage and the file does not contain a HO-6 Policy. Master HOI Policy verifying walls-in coverage is included was provided. Rebuttal (XX/XX/XXXX 4:47PM) Documentation provided is sufficient. (Resolved) Response (XX/XX/XXXX 4:48PM)
33417263   XXXXX   83224219 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417263   XXXXX   83224219 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
33417263   XXXXX   83224219 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit AUS Missing Resolved   1 Credit The AUS is missing from the loan file. The loan transmittal reflected a risk assessment of DU Approve/Eligible with DU Case ID of XXXX however it was not provided in file. DU Approve/Eligible with Case ID XXXX provided. Rebuttal (XX/XX/XXXX 10:43AM) Documentation provided is sufficient. (Resolved) Response (XX/XX/XXXX 10:45AM)
33417276   XXXXX   83228251 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33417276   XXXXX   83228251 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
33417276   XXXXX   83228251 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33417284   XXXXX   NE0443065 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33417284   XXXXX   NE0443065 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. 2055 obtained which supports value.        
33417284   XXXXX   NE0443065 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID - Missing Loan Estimate Resolved   1 Compliance The initial and/or any revised Loan Estimate is missing. As a result, a full review for compliance with timing and tolerance requirements could not be performed. Truth in Lending Act (Regulation Z)12 CFR 1026.19(e)(1)(i) Document uploaded. Rebuttal (XX/XX/XXXX 4:01PM) The documentation provided is sufficient to cure the finding. Response (XX/XX/XXXX 4:01PM)
33417284   XXXXX   NE0443065 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID - SPL - Missing Resolved   1 Compliance The file is missing a written list of Service Providers. Document uploaded. Rebuttal (XX/XX/XXXX 4:02PM) The documentation provided is sufficient to cure the finding. Response (XX/XX/XXXX 4:03PM)
33744339   XXXXX   83231666 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit AUS Missing Resolved   1 Credit The AUS is missing from the loan file. The subject transaction was approved under the FNMA 30 year Fixed High Balance program; however the AUS is missing from the loan file submitted for review. AUS uploaded. Rebuttal (XX/XX/XXXX 2:29PM) Documentation received is sufficient. (Resolved) Response (XX/XX/XXXX 3:33PM)
33744339   XXXXX   83231666 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
33744339   XXXXX   83231666 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33744342   XXXXX   83217586 XXXX XXXX XXXX Cash Out: Debt Consolidation- Proceeds used to pay Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33744342   XXXXX   83217586 XXXX XXXX XXXX Cash Out: Debt Consolidation- Proceeds used to pay Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
33744342   XXXXX   83217586 XXXX XXXX XXXX Cash Out: Debt Consolidation- Proceeds used to pay Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit Debts Not verified on credit report Resolved   1 Credit The application lists significant debts that were not verified on the credit report and not independently verified. The loan application indicated one of the borrowers' rental properties located at XXXX was being refinanced simultaneously with the subject mortgage and 2 of the borrowers' current mortgages were being paid; however, the loan file did not contain a Closing Disclosure confirming the new payment for the rental property or confirming the 2 additional mortgages which were omitted from the qualifying DTI were paid off as required. It should be noted, the XXXX refinance was submitted for review and the Closing Disclosure in file confirmed the payment and the payoff of the required mortgages. Documentation uploaded. Rebuttal (XX/XX/XXXX 4:28PM) Documentation received is sufficient. (Resolved) Response (XX/XX/XXXX 4:28PM)
33907964   XXXXX   83230147 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines        
33907964   XXXXX   83230147 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33907964   XXXXX   83230147 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(ii)        
33907964   XXXXX   83230147 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Initial LE Delivery Date (from application) Resolved   1 Compliance This loan failed the initial loan estimate delivery date test (from application). (12 CFR �1026.19(e)(1)(iii)(A)) The Initial LE issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(iii)(A) Document provided Rebuttal (XX/XX/XXXX 12:21PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 12:22PM)
33907964   XXXXX   83230147 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - SPL - Late Resolved   1 Compliance The Service Provider List issued on XX/XX/XXXX was not disclosed within 3 days of the application date, XX/XX/XXXX. Truth in Lending Act (Regulation Z) 12 CFR 1026.19(e)(1)(vi)(C) Document provided Rebuttal (XX/XX/XXXX 12:24PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 12:24PM)
33907964   XXXXX   83230147 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID Tolerance - Zero Tolerance Violation (Disclosure Timing Fail) Resolved   1 Compliance This loan failed the charges that cannot increase test. (12 CFR �1026.19(e)(3)(i)) The loan contains charges that exceed the good faith determination according to �1026.19(e)(3)(i). One or more of the final charges exceed the comparable amount. Because the loan failed the initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXX is required ($XXXX applied at closing). Truth in Lending Act (Regulation Z) 12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv) Although the regulation requires the cure within 60 days of consummation, investor will accept 60 days from the discovery date, XX/XX/XXXX. Documents provided Rebuttal (XX/XX/XXXX 12:30PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 12:33PM)
33907964   XXXXX   83230147 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - XX% Tolerance Violation Not Cured Resolved   1 Compliance This loan failed the charges that in total cannot increase more than XX% test. (12 CFR �1026.19(e)(3)(ii)) The loan contains third-party services that the consumer was permitted to shop for and the charges exceed the good faith tolerance according to �1026.19(e)(3)(ii). The final charges that in total cannot increase more than XX% ($XXXX) exceed the comparable charges ($XXXX) by more than XX%. Because the loan failed the initial LE date test, any values that would change under a valid changed circumstance if the disclosure had been delivered timely will not be considered valid for tolerance purposes. The violation may be cured if documentation is provided showing the disclosure was delivered timely. A cost to cure in the amount of $XXXX is required. Although the regulation requires the cure within 60 days of consummation, investor will accept 60 days from the discovery date, XX/XX/XXXX. Documents provided Rebuttal (XX/XX/XXXX 12:31PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 12:33PM)
33907974   XXXXX   83235696 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33907974   XXXXX   83235696 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33907974   XXXXX   83235696 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii), creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received XXXX. The fees appear to be in the following sections: C, E and F. The fees in section E are subject to tolerance but decreased. PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 6:29PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 6:30PM)
33907981   XXXXX   83237093 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
33907981   XXXXX   83237093 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33907981   XXXXX   83237093 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii), creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: C and E. The fees in section E are subject to tolerance but decreased. PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 6:25PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 6:26PM)
33907981   XXXXX   83237093 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Closing Information/Disbursement Date Resolved   1 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(iii) PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 6:26PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 6:27PM)
33907984   XXXXX   83238343 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
33907984   XXXXX   83238343 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit Assets Resolved   1 Credit The file did not contain evidence the borrower had the proper amount of funds required. The Final 1003 reflects three accounts with XXXX, combined total assets of $XXXX (sufficient to close on the subject transaction). The loan file contained two months bank statements for one of these checking accounts, xXXXX, verifying total assets of $XXXX. The loan file did not contain the two months statements for XXXX accounts xXXXX or xXXXX to support sufficient assets therefore leaving the borrowers short $XXXX to close. Documentation uploaded. Rebuttal (XX/XX/XXXX 1:54PM) Documentation received is sufficient. (Resolved) Response (XX/XX/XXXX 1:55PM)
33907984   XXXXX   83238343 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: Section E, payoff and prepaid interest. The fees in section E decreased and the payoff and prepaid interests are not subject to tolerance. PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 4:36PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 4:37PM)
33907984   XXXXX   83238343 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit Tax Payer First Act Disclosure � Missing Resolved   1 Credit The file does not contain evidence that the Tax Payer First Act Disclosure was provided to the borrower. Documentation uploaded. Rebuttal (XX/XX/XXXX 7:00PM) Documentation received is sufficient. (Resolved) Response (XX/XX/XXXX 7:01PM)
33908019   XXXXX   2401002728 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID Tolerance - Zero Tolerance Violation (No Valid COC) Resolved   1 Compliance The loan failed the charges that cannot increase test. A valid change of circumstance was not provided in the loan file. Therefore, the increase to the following fees was not accepted: Flood Certification Fee and Tax Service Fee . If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv)A cost to cure in the amount of $XX is required. Although the regulation requires the cure within 60 days of consummation, investor will accept 60 days from the discovery date, XX/XX/XXXX. Documents provided Rebuttal (XX/XX/XXXX 2:03PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 2:03PM)
33908019   XXXXX   2401002728 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID CD - Settlement Agent License Resolved   1 Compliance The license number is missing for the Settlement Agent Individual Contact on the last revised CD issued on XX/XX/XXXX. Truth in Lending Act (Regulation Z)12 CFR 1026.38(r)(3), (5) PCCD provided Rebuttal (XX/XX/XXXX 10:06AM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 10:06AM)
33908019   XXXXX   2401002728 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit VVOE required Resolved   1 Credit No VVOE is in evidence in the file for the borrower or the co-borrower. Documentation uploaded. Rebuttal (XX/XX/XXXX 2:17PM) Documentation received is sufficient. (Resolved) Response (XX/XX/XXXX 2:18PM)
33908019   XXXXX   2401002728 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance TRID CD - Calculating Cash to Close LE column Acknowledged   2 Compliance The Cash to Close on the CCTC table on page 3 of the CD issued on XX/XX/XXXX in the LE column does not match the Estimated Cash to Close on the CCTC table (page 2) of the revised LE issued on XX/XX/XXXX.        
33908019   XXXXX   2401002728 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393012   XXXXX   83200290 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393012   XXXXX   83200290 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
34393012   XXXXX   83200290 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393017   XXXXX   83241126 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393017   XXXXX   83241126 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. 2055 obtained which supports value within XX%.        
34393017   XXXXX   83241126 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: C, E, and payoffs. The fees are not subject to tolerance. PCCD, LOE, COC provided Rebuttal (XX/XX/XXXX 11:47AM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 11:48AM)
34393018   XXXXX   83246245 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393018   XXXXX   83246245 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393018   XXXXX   83246245 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Closing Information/Disbursement Date Resolved   1 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(a)(3)(iii) PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 4:58PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 5:00PM)
34393018   XXXXX   83246245 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Loan Disclosures/Escrow Account Resolved   1 Compliance The Escrow Account Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Disclosure does not reflect whether the borrower declined or the lender does not offer an Escrow Account. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(7) PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 4:59PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 5:00PM)
34393018   XXXXX   83246245 XXXX XXXX XXXX First Time Home Purchase, as defined by American R Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX, after providing funds to close in the amount of $XXXX. The fees appear to be in the following sections: C and F. The fees are not subject to tolerance. PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 4:58PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 5:01PM)
34393046   XXXXX   2101004691 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
34393046   XXXXX   2101004691 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393046   XXXXX   2101004691 XXXX XXXX XXXX Rate/Term Refinance -- Borrower initiated Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393049   XXXXX   83157041 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
34393049   XXXXX   83157041 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393049   XXXXX   83157041 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Client Review In Process XX/XX/XXXX Credit Subordination Agreement Resolved   1 Credit All existing subordinate financing must be resubordinated. The loan file contained evidence that the 2nd mortgage being satisfied on the Settlement Statement was a revolving Home Equity Line of Credit however, the signed closure letter was not provided in the loan file as required. Closure authorization uploaded. Rebuttal (XX/XX/XXXX 3:32PM) Documentation received is sufficient. (Resolved) Response (XX/XX/XXXX 3:33PM)
34393068   XXXXX   83238833 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance The loan is in compliance with all applicable laws and regulations Cleared   1 Compliance The loan is in compliance with all applicable laws and regulations.        
34393068   XXXXX   83238833 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393068   XXXXX   83238833 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393072   XXXXX   83240307 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)        
34393072   XXXXX   83240307 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Incorrect Section Acknowledged   2 Compliance The Title - Insurance/Service Fees were included in Section C. Services Borrower Did Shop For of the CD issued on XX/XX/XXXX. However, the title fees should have been entered under Section B. Services Borrower Did Not Shop For. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(f), (g) Services You Can Shop For        
34393072   XXXXX   83240307 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393072   XXXXX   83240307 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393072   XXXXX   83240307 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Initial CD Delivery Date (prior to consummation) Resolved   1 Compliance This loan failed the initial Closing Disclosure delivery date test. Without evidence of receipt, it is assumed that the disclosure dated XX/XX/XXXX was mailed, and therefore, not received by the Non-Borrower (-with the Right to Rescind) 3 business days prior to consummation. If the disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Signed non-borrower CD provided Rebuttal (XX/XX/XXXX 5:38PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 5:38PM)
34393073   XXXXX   83241266 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393073   XXXXX   83241266 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393073   XXXXX   83241266 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID Tolerance - Zero Tolerance Violation (No Valid COC) Resolved   1 Compliance The loan failed the charges that cannot increase test.A valid change of circumstance was not provided in the loan file. Therefore, the increase/addition to the following fees was not accepted: The appraisal fee increased from $XXXX to $XXXX. If curing the violation with a refund, the following documents are required: LOE to consumer(s), PCCD, and copy of the refund. Truth in Lending Act (Regulation Z)12 CFR 2016.19(e)(3)(i); 12 CFR 1026.19(e)(3)(iv)A cost to cure in the amount of $XXXX is required.     Initial CD provided is sufficient to clear this exception (resolved) Response (XX/XX/XXXX 5:49PM)
34393073   XXXXX   83241266 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Initial CD Delivery Date (prior to consummation) Resolved   1 Compliance This loan failed the initial closing disclosure delivery date test. The Closing Disclosure was not received by the borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated at consummation, XX/XX/XXXX. If disclosure was delivered electronically evidence of receipt as well as the consumer's E-consent is required. Disclosure Tracking provided Rebuttal (XX/XX/XXXX 4:30PM) The documentation provided is not sufficient to cure the finding. Per the disclosure tracking provided the CD issued on XX/XX/XXXX was not viewed and signed until XX/XX/XXXX. The loan closed on XX/XX/XXXX therefore the Closing Disclosure was not received by the borrower at least three business days prior to Consummation. (Upheld)The Initial CD dated XX/XX/XXXX has been provided and is sufficient to cure the exception. (Resolved) Response (XX/XX/XXXX 4:35PM)Response (XX/XX/XXXX 2:36PM)
34393073   XXXXX   83241266 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: C and E. The fees in section E are subject to tolerance. LOE, CD, and COC provided Rebuttal (XX/XX/XXXX 4:36PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 4:38PM)
34393073   XXXXX   83241266 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Resolved   1 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii) LOE, CD, and COC provided Rebuttal (XX/XX/XXXX 4:38PM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 4:39PM)
34393075   XXXXX   83242770 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393075   XXXXX   83242770 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393075   XXXXX   83242770 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a signed/certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii), creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXX. The fees appear to be in the following sections: C, E and F. The fees are subject to tolerance but decreased. PCCD, LOE, COC provided Rebuttal (XX/XX/XXXX 11:18AM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 11:19AM)
34393076   XXXXX   83243393 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393076   XXXXX   83243393 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393076   XXXXX   83243393 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Initial CD Delivery Date (prior to consummation) Resolved   1 Compliance The loan failed the Initial Closing Disclosure delivery date test. The Closing Disclosure was not received by the Co-Borrower at least three business days prior to the Consummation Date. The CD issued on XX/XX/XXXX was signed and dated XX/XX/XXXX. Therefore, the CD was not received by the consumer with the right to rescind 3 business days prior to the consummation date, XX/XX/XXXX. If disclosure was delivered electronically, evidence of receipt as well as the consumer's E-consent is required. Disclosure Tracking provided Rebuttal (XX/XX/XXXX 3:56PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:56PM)
34393076   XXXXX   83243393 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Closing Information/Disbursement Date Resolved   1 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(iii) PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 3:59PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:59PM)
34393076   XXXXX   83243393 XXXX XXXX XXXX Cash Out: Other/Multipurpose/Unknown purpose Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a certified ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD dated XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii), creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer received $XXXX at consummation; however, per the ALTA statement, the consumer received $XXXXX. The fees appear to be in the following sections: E. Taxes and Other Government Fees, Payoffs and Payment. The fees in Section E. are subject to tolerance. PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 3:58PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 4:00PM)
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied. 2055 obtained which supports value within XX%.        
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Resolved   1 Compliance The file contains a signed/certified ALTA statement dated, XX/XX/XXXX. The statement does not match the revised CD issued on, XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii), creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer received $XXXX at consummation; however, per the ALTA statement, the consumer received, $XXXX. The fees appear to be in the following sections: C, E and payoffs. The fees in section C are not subject to tolerance and fees section E are subject to tolerance, but decreased. LOE, COC, and PCCD provided Rebuttal (XX/XX/XXXX 3:32PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:38PM)
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Closing Information/Disbursement Date Resolved   1 Compliance The CD issued on, XX/XX/XXXX, does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(iii). LOE, COC, and PCCD provided Rebuttal (XX/XX/XXXX 3:33PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:35PM)
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Resolved   1 Compliance The CD issued on, XX/XX/XXXX, does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii). LOE, COC, and PCCD provided Rebuttal (XX/XX/XXXX 3:33PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:36PM)
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance State Consumer Credit Laws/Regulations - Prohibited Fees Resolved   1 Compliance The loan failed the XXX prohibited lender fees test. This loan failed the per diem interest amount test. (XX Bus. Prof. Code �2948.5)The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold($XXXX). PCCD, LOE, and COC provided Rebuttal (XX/XX/XXXX 3:14PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:31PM)
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Loan Disclosures/Demand Feature Resolved   1 Compliance The Demand Feature Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Demand Feature Disclosure is not completed. Truth in Lending Act (Regulation Z). 12 CFR 1026.38(l)(2). LOE, COC, and PCCD provided Rebuttal (XX/XX/XXXX 3:34PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:36PM)
34393077   XXXXX   83243582 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Loan Disclosures/Negative Amortization Resolved   1 Compliance The Negative Amortization Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Negative Amortization Disclosure is not completed. LOE, COC, and PCCD provided Rebuttal (XX/XX/XXXX 3:34PM) The documentation provided is sufficient to cure the finding.(Resolved) Response (XX/XX/XXXX 3:36PM)
34393082   XXXXX   83247600 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Transaction Information/Buyer Info Acknowledged   2 Compliance The CD issued on, XX/XX/XXXX, does not reflect the correct Borrower address when compared to the Note. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(4)(i).        
34393082   XXXXX   83247600 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393082   XXXXX   83247600 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393082   XXXXX   83247600 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Closing Information/Disbursement Date Resolved   1 Compliance The CD issued on, XX/XX/XXXX, does not reflect the correct Disbursement Date when compared to the ALTA Statement. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(iii). PCCD, LOE, COC provided Rebuttal (XX/XX/XXXX 11:40AM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 11:41AM)
34393082   XXXXX   83247600 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Resolved   1 Compliance The CD issued on, XX/XX/XXXX, does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii). PCCD, LOE, COC provided Rebuttal (XX/XX/XXXX 11:40AM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 11:41AM)
34393082   XXXXX   83247600 XXXX XXXX XXXX Limited Cash-Out (GSE Definition) Owner Occupied XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance State Consumer Credit Laws/Regulations - Prohibited Fees Resolved   1 Compliance The loan failed the XXXX prohibited lender fees test. This loan failed the per diem interest amount test. (CA Bus. Prof. Code �2948.5)The per diem interest amount charged on the loan ($XXXX) exceeds the per diem interest charge or credit threshold ($XXXX). PCCD, LOE, COC provided Rebuttal (XX/XX/XXXX 11:39AM) The documentation provided is sufficient to cure the finding. (Resolved) Response (XX/XX/XXXX 11:39AM)
34393084   XXXXX   83244486 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Credit The loan meets all applicable credit guidelines Cleared   1 Credit The loan meets all applicable credit guidelines.        
34393084   XXXXX   83244486 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Valuation Value is supported within XX% of original appraisal amount Cleared   1 Valuation The appraised value was supported within XX% and all applicable appraisal guidelines were satisfied.        
34393084   XXXXX   83244486 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - Post-Consummation CD delivery date Borrower paid amount Acknowledged   2 Compliance The file contains a signed ALTA statement dated XX/XX/XXXX. The statement does not match the revised CD issued on XX/XX/XXXX, and no post consummation CD was provided in the file. Per � 1026.19(f)(2)(iii, creditors must provide a corrected Closing Disclosure if an event in connection with the settlement occurs during the 30-calendar-day period after consummation that causes the Closing Disclosure to become inaccurate and results in a change to an amount paid by the consumer from what was previously disclosed. Per the CD, the consumer owed $XXXX at consummation; however, per the ALTA statement, the consumer owed $XXXX. The fees appear to be in the following sections: B, E, and H. The fees in sections B and E are subject to tolerance.        
34393084   XXXXX   83244486 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD- Closing Information/Closing Date Acknowledged   2 Compliance The CD issued on XX/XX/XXXX does not reflect the correct Closing Date when compared to the notary signature date on the Security Instrument. Truth in Lending Act (Regulation Z)12 CFR 1026.38(a)(3)(ii)        
34393084   XXXXX   83244486 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID - SPL - Missing Acknowledged   2 Compliance The file is missing a written list of Service Providers. SPL provided Rebuttal (XX/XX/XXXX 4:30PM) The documentation provided is not sufficient to cure the finding. The SPL provided is dated XX/XX/XXXX. Unable to clear with this SPL. Please provide SPL dated within time frame of loan. (Upheld) Response (XX/XX/XXXX 4:47PM)
34393084   XXXXX   83244486 XXXX XXXX XXXX Other-than-first-time Home Purchase Second Home XX/XX/XXXX XX $XXXX Underwriting Client Review Complete XX/XX/XXXX Compliance TRID CD ' Loan Disclosures/Demand Feature Acknowledged   2 Compliance The Demand Feature Disclosure on the CD issued on XX/XX/XXXX is inaccurate due to the following: The Demand Feature Disclosure is not completed. Truth in Lending Act (Regulation Z) 12 CFR 1026.38(l)(2)