EX-99.5 20 exhibit995-2.htm EXHIBIT 99.5, SCHEDULE 2 - EXCEPTION LEVEL REPORT

Vendor Loan ID
Customer Loan ID
Seller Loan ID
Last Name
Purpose
Occupancy
Note Date
State
Original Loan Amount
Loan Status
Exception Date
Exception Category
Exception Sub-Category
Exception Status
Exception Change Date
Exception Grade
Loan Exception ID
Exception
Exception Detail
Exception Information
Compensating Factors
Seller Comments
Buyer Comments
Reviewer Comments
Exception Remediation
HFRI5KRO0UC
xxxxxxx
27162583
xxxxxxx
Cash Out
Primary
Unavailable
Georgia
$88,420.79
Reviewed with Exceptions
8/22/2019
Compliance
Compliance
Active
8/22/2019
2: Acceptable with Warnings
DE926B71-62DA-41CC-9C5F-D5502F18327A
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan file is missing the initial TIL and unable to test for timing of disclosure date. The Statute of limitations has expired; downgraded based on Client Compliance Profile.
          
HFRI5KRO0UC
xxxxxxx
27162583
xxxxxxx
Cash Out
Primary
Unavailable
Georgia
$88,420.79
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
636F8684-51D9-4C0F-9C0D-52AC782806D8
Missing credit report
* Missing credit report (Lvl 3)
The loan file is missing a credit report.
          
HFRI5KRO0UC
xxxxxxx
27162583
xxxxxxx
Cash Out
Primary
Unavailable
Georgia
$88,420.79
Reviewed with Exceptions
8/22/2019
Legal Docs
Doc Issue
Active
8/22/2019
3: Curable
4BE46770-5A0F-4A36-9CFE-591C484AF61E
Note is missing or unexecuted
* Note is missing or unexecuted (Lvl 3)
The loan file is missing the Note.
          
HFRI5KRO0UC
xxxxxxx
27162583
xxxxxxx
Cash Out
Primary
Unavailable
Georgia
$88,420.79
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
744A4519-E0A9-4F4B-BD33-97ECEFBEB41A
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial 1003.
          
HFRI5KRO0UC
xxxxxxx
27162583
xxxxxxx
Cash Out
Primary
Unavailable
Georgia
$88,420.79
Reviewed with Exceptions
8/22/2019
Credit
Credit
Active
8/22/2019
3: Curable
7F142CC1-BA04-418F-A0A5-62F5DF7EA8C4
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing a final 1003.
          
HFRI5KRO0UC
xxxxxxx
27162583
xxxxxxx
Cash Out
Primary
Unavailable
Georgia
$88,420.79
Reviewed with Exceptions
8/22/2019
Credit
Underwriting
Active
8/22/2019
3: Curable
89F97A65-4A3A-4AAB-883D-99AD7D0EF925
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the 1008.
          
ZBSRTCI5TRQ
xxxxxxx
27162604
xxxxxxx
Cash Out
Primary
2008-02-29
Illinois
$65,558.75
Reviewed with Exceptions
8/22/2019
Credit
Other Disclosures
Active
8/22/2019
3: Curable
23A4B601-E71C-41E8-B386-A885E26777B8
Final Application is missing
* Final Application is missing (Lvl 3)
The loan file did not contain a Final Application.
          
ZBSRTCI5TRQ
xxxxxxx
27162604
xxxxxxx
Cash Out
Primary
2008-02-29
Illinois
$65,558.75
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
DDEEFA75-82DD-483C-9449-909CF801FA98
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain a Good Faith Estimate.
          
ZBSRTCI5TRQ
xxxxxxx
27162604
xxxxxxx
Cash Out
Primary
2008-02-29
Illinois
$65,558.75
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
8B21E5D0-6B72-4474-B208-C36161E5518A
Application Missing
* Application Missing (Lvl 3)
The loan file did not contain the initial Application.
          
ZBSRTCI5TRQ
xxxxxxx
27162604
xxxxxxx
Cash Out
Primary
2008-02-29
Illinois
$65,558.75
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
40EBAADE-4CE4-4FD5-9A14-0135AEC4E04C
Missing credit report
* Missing credit report (Lvl 3)
The loan file did not contain a Credit Report.
          
ZBSRTCI5TRQ
xxxxxxx
27162604
xxxxxxx
Cash Out
Primary
2008-02-29
Illinois
$65,558.75
Reviewed with Exceptions
8/22/2019
Compliance
Compliance
Active
8/22/2019
2: Acceptable with Warnings
636DBD3A-9478-4B7F-85E3-0858A5830484
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
ZBSRTCI5TRQ
xxxxxxx
27162604
xxxxxxx
Cash Out
Primary
2008-02-29
Illinois
$65,558.75
Reviewed with Exceptions
8/22/2019
Credit
Underwriting
Active
8/22/2019
3: Curable
BDA29249-B0FD-4520-833A-1FAA99C10EE2
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the Transmittal (1008).
          
L5FFR1COARY
xxxxxxx
27162624
xxxxxxx
Cash Out
Primary
2006-08-22
North Carolina
$126,205.47
Reviewed with Exceptions
8/22/2019
Compliance
Compliance
Active
8/22/2019
2: Acceptable with Warnings
33C5A40E-2114-4F4B-95F6-8F80BBBDE30F
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
L5FFR1COARY
xxxxxxx
27162624
xxxxxxx
Cash Out
Primary
2006-08-22
North Carolina
$126,205.47
Reviewed with Exceptions
8/22/2019
Compliance
Compliance
Active
8/22/2019
2: Acceptable with Warnings
A7333443-C404-4CDB-8B16-3816B3020573
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $337,842.10. The disclosed finance charge of $337,730.49 is not considered accurate because it is understated by more than $100. This loan failed the TILA right of rescission test. Closed-end ( 12 CFR §1026.23(a)(3) , transferred from 12 CFR §226.23(a)(3) ), Open-end ( 12 CFR §1026.15(a)(3) , transferred from 12 CFR §226.15(a)(3) ) The funding date is before the third business day following consummation. The consumer may exercise the right to rescind until midnight of the third business day following consummation, delivery of the notice required by 12 CFR §1026.23 or §1026.15, or delivery of all material disclosures, whichever occurs last. The loan data reflects total fees of $337,730.49 with comparison data of $337,842.10 resulting in an over charge of $111.61. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
L5FFR1COARY
xxxxxxx
27162624
xxxxxxx
Cash Out
Primary
2006-08-22
North Carolina
$126,205.47
Reviewed with Exceptions
8/22/2019
Credit
Other Disclosures
Active
8/22/2019
3: Curable
16F5F087-0AD5-48E8-A876-65CD6BCE6677
Final Application is missing
* Final Application is missing (Lvl 3)
The loan file is missing the final loan application dated 8/22/2006.
          
L5FFR1COARY
xxxxxxx
27162624
xxxxxxx
Cash Out
Primary
2006-08-22
North Carolina
$126,205.47
Reviewed with Exceptions
8/22/2019
Credit
Underwriting
Active
8/22/2019
3: Curable
3E44E64B-48CE-4EB4-B32E-7287E431FB13
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan is missing the 1008 and loan approval.
          
L5FFR1COARY
xxxxxxx
27162624
xxxxxxx
Cash Out
Primary
2006-08-22
North Carolina
$126,205.47
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
3F524CAB-4B89-4D84-9A00-B610F3546553
Missing credit report
* Missing credit report (Lvl 3)
The loan is missing the credit report.
          
L5FFR1COARY
xxxxxxx
27162624
xxxxxxx
Cash Out
Primary
2006-08-22
North Carolina
$126,205.47
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
2F045338-ED0F-4305-AC90-C8B15B1DF18E
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan is missing the notice of servicing transfer.
          
N5UZ4OLE511
xxxxxxx
27162654
xxxxxxx
Refinance
Primary
2007-06-09
Maryland
$111,000.00
Reviewed with Exceptions
8/23/2019
Credit
Doc Issue
Active
8/23/2019
3: Curable
430A4939-0E69-4B5A-8CAF-EC0D074D908A
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The final Good faith Estimate is missing.
          
DEI2QSODJHT
xxxxxxx
27162662
xxxxxxx
Refinance
Primary
2010-03-12
Illinois
$203,000.00
Reviewed with Exceptions
8/23/2019
Credit
Doc Issue
Active
8/23/2019
2: Acceptable with Warnings
B876D6DF-9220-4F0C-BE35-CF288951F21F
Initial Truth in Lending Disclosure is Missing
* Initial Truth in Lending Disclosure is Missing (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
DEI2QSODJHT
xxxxxxx
27162662
xxxxxxx
Refinance
Primary
2010-03-12
Illinois
$203,000.00
Reviewed with Exceptions
8/23/2019
Credit
Doc Issue
Active
8/23/2019
3: Curable
41EF58DB-76D9-4AFB-BA42-0073714F61B7
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing the notice of servicing transfer.
          
LCEOKOPMIBN
xxxxxxx
27162663
xxxxxxx
Cash Out
Primary
2006-08-11
Florida
$200,000.00
Reviewed with Exceptions
8/23/2019
Credit
Doc Issue
Active
8/23/2019
3: Curable
4EB74B36-8A3A-4AA9-AB04-05FB32E77C64
Init. Escrow Acct Disc missing; loan has escrows
* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)
The loan file did not contain an Initial Escrow Account Disclosure.
          
SDWHUABIJXT
xxxxxxx
27162786
xxxxxxx
Refinance
Primary
2003-08-13
Indiana
$88,000.00
Reviewed with Exceptions
8/22/2019
Compliance
Compliance
Active
8/22/2019
2: Acceptable with Warnings
5B8448D0-673E-4EA9-8735-20876EC5B0C3
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
SDWHUABIJXT
xxxxxxx
27162786
xxxxxxx
Refinance
Primary
2003-08-13
Indiana
$88,000.00
Reviewed with Exceptions
8/22/2019
Credit
Other Disclosures
Active
8/22/2019
3: Curable
0C1668A5-428E-420F-9718-63753B2A2B7F
Final Application is missing
* Final Application is missing (Lvl 3)
The final application is missing.
          
TTJV1FZMXVI
xxxxxxx
27162790
xxxxxxx
Purchase
Primary
2008-05-14
Connecticut
$263,900.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
EC3CDE13-B3F9-49D5-B7E9-43DF1099973B
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial loan application.
          
TTJV1FZMXVI
xxxxxxx
27162790
xxxxxxx
Purchase
Primary
2008-05-14
Connecticut
$263,900.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
E46F89C1-ED48-4113-BF70-A179ECCDA07C
Required Affiliated Business Disclosure missing/un
* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)
The loan file did not contain the Affiliated Business Disclosure; Lender's Service Provider disclosure on page 1065 states an affiliation with GMAC Mortgage Corporation.
          
TTJV1FZMXVI
xxxxxxx
27162790
xxxxxxx
Purchase
Primary
2008-05-14
Connecticut
$263,900.00
Reviewed with Exceptions
8/22/2019
Compliance
Compliance
Active
8/22/2019
2: Acceptable with Warnings
BDFFD82A-74D5-4B77-9EFA-39219816DA1A
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
A009D446-572D-4B59-8E39-AAD00E449A62
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing a Notice of Servicing Transfer disclosure.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Underwriting
Active
8/22/2019
3: Curable
13EFF263-F285-4B14-AE2E-B9A535E44CA0
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the 1008.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Valuation
Doc Issue
Active
8/22/2019
3: Curable
A6F6FAAD-7DEC-45EF-88DD-0CB6291AF10E
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file is missing the appraisal.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
3EB8E1B2-6A5A-452E-B40D-5A929AB6DD94
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial application.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
2: Acceptable with Warnings
132DEC8F-F04A-4BD2-8763-F98F7704B5B9
Final TIL Missing or Not Executed
* Final TIL Missing or Not Executed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
D44C2C89-0F40-4A3F-9F5F-8430355F45E9
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file is missing a GFE.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Compliance
Compliance
Active
8/22/2019
2: Acceptable with Warnings
16BAE074-9962-4D84-BE3D-2033185F802F
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan file is missing the initial TIL and unable to test for timing of disclosure date. The Statute of limitations has expired; downgraded based on Client Compliance Profile.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Credit
Active
  
3: Curable
D068DA9B-6312-4128-ADA9-2132D5A37618
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
            
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
CDB1769A-FB63-48BB-920A-2F4397EC6AD7
Missing credit report
* Missing credit report (Lvl 3)
The loan file is missing a credit report.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
B316DCE4-8012-43C0-90A1-2DDA459CFD23
HUD-1 Closing Statement missing or unsigned
* HUD-1 Closing Statement missing or unsigned (Lvl 3)
The loan file is missing a HUD.
          
P4A22UZHDR0
xxxxxxx
27162794
xxxxxxx
Cash Out
Primary
2007-08-07
Florida
$100,000.00
Reviewed with Exceptions
8/22/2019
Credit
Doc Issue
Active
8/22/2019
3: Curable
E58B437F-5B63-4CA1-B755-9EB4D330270E
Right of Rescission missing or unexecuted
* Right of Rescission missing or unexecuted (Lvl 3)
The loan file is missing the ROR.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/26/2020
2: Acceptable with Warnings
BAC29D66-B657-4C2C-8AF9-7A5AE29C3240
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
2: Acceptable with Warnings
C01C3D5F-7D8E-4E8A-B89E-BD59F3F8874B
Final TIL Missing or Not Executed
* Final TIL Missing or Not Executed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
4DBA054D-ED8C-42A8-A0A5-F6213057A853
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Legal Docs
Doc Issue
Active
3/25/2020
3: Curable
F7B7D256-DD17-44C2-B86F-C5E9E52575F4
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan is missing the ARM Rider.
 
 
.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
8966881D-B223-4DAE-A670-65AB5A8948F3
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
3: Curable
3535CA67-4C2F-49C4-BB16-862B820A0A51
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Valuation
Doc Issue
Active
3/26/2020
3: Curable
A9D66F07-EE89-46BE-A49E-BA1E57EB56C6
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file is missing the Appraisal.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Credit
Other Disclosures
Active
3/26/2020
3: Curable
FDB68AA7-AFC5-40ED-AA93-05DB975E87BB
Final Application is missing
* Final Application is missing (Lvl 3)
The final application is missing from the loan file.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Credit
Underwriting
Active
3/26/2020
3: Curable
9ADC9F4C-234F-413A-8CE8-203ED127EC1E
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The final Transmittal (1008) is missing from the loan file.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
B84B63B9-58A8-49F8-B7B2-4473E799BD87
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The Notice of Servicing Transfer is missing from the loan file.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
A3C6F78F-8F85-4870-BD4E-5AE7C28936E1
Right of Rescission missing or unexecuted
* Right of Rescission missing or unexecuted (Lvl 3)
The Right of Rescission is missing from the loan file.
          
LDJP5CALOW1
xxxxxxx
26389401
xxxxxxx
Refinance
Primary
2003-03-14
Texas
$130,219.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
AA5B4EE4-DAFD-4241-8427-9855D03AC124
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The Good Faith Estimate is missing from the loan file.
          
TLJFPGU2053
xxxxxxx
26389413
xxxxxxx
Cash Out
Primary
2005-03-26
Hawaii
$314,392.73
Reviewed with Exceptions
3/25/2020
Credit
Underwriting
Active
3/26/2020
3: Curable
962029AE-94AF-45D6-A810-7550A59D2AA1
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The Transmittal (1008) is missing from the loan file.
          
TLJFPGU2053
xxxxxxx
26389413
xxxxxxx
Cash Out
Primary
2005-03-26
Hawaii
$314,392.73
Reviewed with Exceptions
3/25/2020
Credit
Credit
Active
3/26/2020
3: Curable
BA8A51C3-9050-4A53-A506-FC4AA8BA9497
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The final application is missing from the loan file.
          
TLJFPGU2053
xxxxxxx
26389413
xxxxxxx
Cash Out
Primary
2005-03-26
Hawaii
$314,392.73
Reviewed with Exceptions
3/25/2020
Legal Docs
Doc Issue
Active
3/25/2020
3: Curable
D31D4B7B-E8BC-42A8-A942-2CF58AC77857
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not include the Prepayment Rider.
          
TLJFPGU2053
xxxxxxx
26389413
xxxxxxx
Cash Out
Primary
2005-03-26
Hawaii
$314,392.73
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
89FA35DE-A7B0-4BE0-8BAE-57755414346C
Application Missing
* Application Missing (Lvl 3)
The initial loan application is missing from the loan file.
          
TLJFPGU2053
xxxxxxx
26389413
xxxxxxx
Cash Out
Primary
2005-03-26
Hawaii
$314,392.73
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/26/2020
2: Acceptable with Warnings
CA199D84-CDA1-4BB1-BE21-3C637D3E761A
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
TLJFPGU2053
xxxxxxx
26389413
xxxxxxx
Cash Out
Primary
2005-03-26
Hawaii
$314,392.73
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
6CDD9778-3375-4735-8551-4BFF3199AEDD
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was with PPP.
          
QZE43H2MRP1
xxxxxxx
34285969
xxxxxxx
Cash Out
Primary
2004-12-30
New Jersey
$247,941.46
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
43DB801C-1D9D-458A-9D68-C59C742D7183
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The Notice of Servicing Transfer is missing from the loan file.
          
QZE43H2MRP1
xxxxxxx
34285969
xxxxxxx
Cash Out
Primary
2004-12-30
New Jersey
$247,941.46
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
FEE09BA5-A521-49C8-B7AD-E1F5AC510B43
Application Missing
* Application Missing (Lvl 3)
The initial loan application is missing from the loan file.
          
QZE43H2MRP1
xxxxxxx
34285969
xxxxxxx
Cash Out
Primary
2004-12-30
New Jersey
$247,941.46
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
4E23EF92-BC58-4E40-BEF4-1708B8B077B6
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
QZE43H2MRP1
xxxxxxx
34285969
xxxxxxx
Cash Out
Primary
2004-12-30
New Jersey
$247,941.46
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
2C17442E-14EE-4B1A-A195-49EA413AA068
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The Good Faith Estimate is missing from the loan file.
          
QZE43H2MRP1
xxxxxxx
34285969
xxxxxxx
Cash Out
Primary
2004-12-30
New Jersey
$247,941.46
Reviewed with Exceptions
3/25/2020
Credit
Underwriting
Active
3/26/2020
3: Curable
3ED66066-FB8F-4750-A48C-F696200C3F5D
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The Transmittal (1008) is missing from the loan file.
          
QZE43H2MRP1
xxxxxxx
34285969
xxxxxxx
Cash Out
Primary
2004-12-30
New Jersey
$247,941.46
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
3: Curable
FB60A80F-DDB5-4684-9886-061ADD0A9A1B
ComplianceEase State/Local Predatory Test Failed
* ComplianceEase State/Local Predatory Test Failed (Lvl 3)
This loan failed the home loan grace period test. (NJ AB 75, § 4. d.), (NJ SB 279, § 3.) The home loan charges a late payment fee assessed on a payment past due for 10 days, which is less than the allowed minimum of 15 days.
          
QZE43H2MRP1
xxxxxxx
34285969
xxxxxxx
Cash Out
Primary
2004-12-30
New Jersey
$247,941.46
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/26/2020
2: Acceptable with Warnings
0F8998F7-78C3-4FB8-96ED-847AB59A4C5D
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA APR test. (12 CFR §1026.22(a)(2), (4), transferred from 12 CFR §226.22(a)(2), (4)) The annual percentage rate (APR) is 6.877%. The disclosed APR of 5.190% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The TILA APR Test reflects 5.190% whereas the comparison data reflects 6.877% resulting in an undisclosed 1.687%. Further, this loan failed the TILA rescission finance charge test. (12 CFR §1026.23(g)(1), transferred from 12 CFR §226.23(g)(1)) The finance charge is $329,061.10. The disclosed finance charge of $217,643.54 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The TILA Rescission Finance Charge Test indicated a loan data of $217,643.54 whereas the comparison data is $329,061.10 reflects an understated amount of $111,417.56. This loan also failed the TILA finance charge test. (12 CFR §1026.18(d)(1), transferred from 12 CFR §226.18(d)(1)) The finance charge is $329,061.10. The disclosed finance charge of $217,643.54 is not considered accurate because it is understated by more than $100. The TILA Finance Charge Test indicated a loan data of $329,061.10 whereas the comparison data is $121,527.41 reflects an understated amount of $111,417.560.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Legal Docs
Doc Issue
Active
3/26/2020
3: Curable
80EE88A6-BB01-461B-9377-B32B998E510F
Missing Title evidence
* Missing Title evidence (Lvl 3)
The loan file is missing the Title.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
6D6AB63C-F345-4A0E-8F93-EAB0661619EE
Application Missing
* Application Missing (Lvl 3)
The initial application is missing.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Credit
Underwriting
Active
3/26/2020
3: Curable
A0796589-248B-4415-A916-FC5A64F6B248
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the Transmittal (1008)
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
32990022-0DE0-4988-80BD-FD6ACB7F4D3A
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file is missing the loan program disclosure and the loan is an ARM with a PPP.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
33C22EB5-F2E8-486E-B7EC-389440A9D156
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file is missing the GFE.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/26/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
D4C87203-761A-4969-B2C0-FDE3BA97CA21
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing the initial Servicing Tranfer Disclosure.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/26/2020
2: Acceptable with Warnings
23AF0409-0DC3-41BF-9108-8B50CFC29801
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
2: Acceptable with Warnings
4AA221E0-9408-46FD-BB36-9CEE6A5176EF
Final TIL Missing or Not Executed
* Final TIL Missing or Not Executed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/26/2020
Credit
Credit
Active
3/26/2020
3: Curable
F24C8381-E9A0-49BD-ABEB-3BF43495A068
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing the Final 1003.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Valuation
Doc Issue
Active
3/26/2020
3: Curable
79EA6AF7-82F3-42D8-9E30-681667FC9110
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file is missing the Appraisal.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
7DB1C6F8-E0DE-4379-838B-FF1375EB18AA
Right of Rescission missing or unexecuted
* Right of Rescission missing or unexecuted (Lvl 3)
The loan file is missing the Right of Rescission.
          
2W1OI0FD5QM
xxxxxxx
34138512
xxxxxxx
Cash Out
Primary
2002-04-26
Florida
$97,750.00
Reviewed with Exceptions
3/26/2020
Compliance
Compliance
Active
3/26/2020
2: Acceptable with Warnings
9500F652-D793-44BB-BC6D-25CFA0FC4847
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
0Z3KLOK44FA
xxxxxxx
34285970
xxxxxxx
Refinance
Primary
2007-03-21
Illinois
$161,600.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
CF418564-145D-4939-9054-D841A72C2336
Init. Escrow Acct Disc missing; loan has escrows
* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)
The loan file does not contain an Initial Escrow Account Disclosure.
          
0Z3KLOK44FA
xxxxxxx
34285970
xxxxxxx
Refinance
Primary
2007-03-21
Illinois
$161,600.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
E7EEEA8C-A102-4408-A0C2-20437835495C
Right of Rescission missing or unexecuted
* Right of Rescission missing or unexecuted (Lvl 3)
The loan file did not contain a Right of Rescission.
          
0Z3KLOK44FA
xxxxxxx
34285970
xxxxxxx
Refinance
Primary
2007-03-21
Illinois
$161,600.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
CB742AF8-3BB9-4190-A243-743C1B1F2E1A
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain a Good Faith Estimate.
          
0Z3KLOK44FA
xxxxxxx
34285970
xxxxxxx
Refinance
Primary
2007-03-21
Illinois
$161,600.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
  
3: Curable
B881F334-B730-4A12-ACE4-8CAA4BDE64B5
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
            
0Z3KLOK44FA
xxxxxxx
34285970
xxxxxxx
Refinance
Primary
2007-03-21
Illinois
$161,600.00
Reviewed with Exceptions
3/25/2020
Credit
Credit
Active
3/25/2020
3: Curable
E5FFDA2F-A533-40C7-9C22-19D06755F8F6
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file did not contain a Final 1003.
          
0Z3KLOK44FA
xxxxxxx
34285970
xxxxxxx
Refinance
Primary
2007-03-21
Illinois
$161,600.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
666F1592-728B-4AD9-9723-D30271B67050
Application Missing
* Application Missing (Lvl 3)
The loan file did not contain an initial application.
          
XHN5QFJQA3X
xxxxxxx
34285974
xxxxxxx
Purchase
Primary
2010-03-31
Georgia
$149,246.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
2: Acceptable with Warnings
32EBD387-1654-4EE7-8922-6B13D0E32DA8
Initial Truth in Lending Disclosure is Missing
* Initial Truth in Lending Disclosure is Missing (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
XHN5QFJQA3X
xxxxxxx
34285974
xxxxxxx
Purchase
Primary
2010-03-31
Georgia
$149,246.00
Reviewed with Exceptions
3/25/2020
Credit
Credit
Active
3/25/2020
3: Curable
7DC82B40-59D9-4D6B-92A3-18872CFF70B3
Right to receive copy of appraisal is Missing
* Right to receive copy of appraisal is Missing (Lvl 3)
The loan is missing the Right to Receive Copy of Appraisal at least 3 days prior to consummation or applicable waiver.
          
XHN5QFJQA3X
xxxxxxx
34285974
xxxxxxx
Purchase
Primary
2010-03-31
Georgia
$149,246.00
Reviewed with Exceptions
3/25/2020
Credit
Credit
Active
3/25/2020
3: Curable
4C6FE204-1E4E-4509-87E6-602351AF2A21
Special information booklet is Missing
* Special information booklet is Missing (Lvl 3)
The loan is missing the Buying Your Home: Settlement Costs and Helpful Information booklet for purchases.
          
XHN5QFJQA3X
xxxxxxx
34285974
xxxxxxx
Purchase
Primary
2010-03-31
Georgia
$149,246.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
A7C2D494-4254-41EF-AC97-378173E73B7C
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan is missing the initial notice of servicing transfer dated 3/15/2010.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
E7E42B03-9B08-4376-8829-F9FAFF9128E9
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
2: Acceptable with Warnings
B2AD19F8-E95F-47FC-ADA9-FE3900F404C0
Final TIL Missing or Not Executed
* Final TIL Missing or Not Executed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
2: Acceptable with Warnings
70CF2EF6-7F7B-48DF-BC5A-045B25DF4FC4
Initial Truth in Lending Disclosure is Missing
* Initial Truth in Lending Disclosure is Missing (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
8F31F0F2-8422-4B1D-AF46-0B5A7D9E2F57
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial loan application.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
954B0E60-7629-4148-9F62-437309B40F83
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan is missing the notice of servicing transfer.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
12288E87-6D97-4446-BBFE-5EC6DEC5B860
Init. Escrow Acct Disc missing; loan has escrows
* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)
The loan is missing the initial escrow account disclosure.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
056828F1-2545-44E4-8BB3-A0C3B3AEDAD6
Initial Good Faith Estimate is Missing
* Initial Good Faith Estimate is Missing (Lvl 3)
The loan is missing the initial GFE of closing costs.
          
MZER1SW3EY1
xxxxxxx
34139015
xxxxxxx
Purchase
Primary
2011-05-17
New Jersey
$196,879.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
F1F87FCF-C0DD-4142-B8D7-EB898CF8E275
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan is missing the final GFE of closing costs.
          
HF3FDBXHBED
xxxxxxx
34285985
xxxxxxx
Refinance
Primary
2009-01-27
Delaware
$167,093.00
Reviewed with No Exceptions
3/20/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
7DB2140C-0602-439D-8ACA-AE943A6E671E
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $178,231.00. The disclosed finance charge of $172,942.82 is not considered accurate because it is understated by more than $100.
This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $178,231.00. The disclosed finance charge of $172,942.82 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.
The loan data reflects total fees of $172,942.82 with comparison data of $178,231.00, resulting in a difference of $5,288.18. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
HF3FDBXHBED
xxxxxxx
34285985
xxxxxxx
Refinance
Primary
2009-01-27
Delaware
$167,093.00
Reviewed with No Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
DCDEC8CE-684C-4748-8AD1-44A5267A00C8
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
BOMN4M1IQTC
xxxxxxx
34285987
xxxxxxx
Refinance
Primary
2009-04-07
Michigan
$139,315.00
Reviewed with Exceptions
3/20/2020
Credit
Doc Issue
Active
3/20/2020
3: Curable
1A4B6B7B-8E24-42AB-8749-5F1F9ECEA08D
Init. Escrow Acct Disc missing; loan has escrows
* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)
The loan file did not contain the Initial Escrow Account Disclosure.
          
BOMN4M1IQTC
xxxxxxx
34285987
xxxxxxx
Refinance
Primary
2009-04-07
Michigan
$139,315.00
Reviewed with Exceptions
3/20/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
AC9FD093-54BE-4D2B-8290-71F8536F3887
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $161,968.58. The disclosed finance charge of $157,326.62 is not considered accurate because it is understated by more than $100.
This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $161,968.58. The disclosed finance charge of $157,326.62 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater.
The loan data reflects total fees of $157,326.62 with comparison data of $161,968.58 resulting in an over charge of $4,641.96. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
WSGDFAFIIMZ
xxxxxxx
34285988
xxxxxxx
Purchase
Primary
2010-05-13
Pennsylvania
$176,123.00
Reviewed with No Exceptions
3/20/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
64537A6E-30F4-4882-BCF8-B9C60CB5C76F
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan is missing the Notice of Servicing Transfer Disclosure.
          
WSGDFAFIIMZ
xxxxxxx
34285988
xxxxxxx
Purchase
Primary
2010-05-13
Pennsylvania
$176,123.00
Reviewed with No Exceptions
3/20/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
27AA0B96-285C-405A-9486-A7C6ABCFF12D
Initial Good Faith Estimate is Missing
* Initial Good Faith Estimate is Missing (Lvl 3)
The loan is missing the unital GFE.
          
WSGDFAFIIMZ
xxxxxxx
34285988
xxxxxxx
Purchase
Primary
2010-05-13
Pennsylvania
$176,123.00
Reviewed with No Exceptions
3/20/2020
Credit
Underwriting
Active
3/23/2020
3: Curable
F220A894-3F46-4EF7-9C42-D1C8780EAFEE
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan is missing the 1008.
          
WSGDFAFIIMZ
xxxxxxx
34285988
xxxxxxx
Purchase
Primary
2010-05-13
Pennsylvania
$176,123.00
Reviewed with No Exceptions
3/20/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
A60B4DB3-5D4C-49CF-BFB2-132ECE64F3A0
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan is missing the GFE.
          
WSGDFAFIIMZ
xxxxxxx
34285988
xxxxxxx
Purchase
Primary
2010-05-13
Pennsylvania
$176,123.00
Reviewed with No Exceptions
3/20/2020
Credit
Doc Issue
Active
3/23/2020
2: Acceptable with Warnings
7125A2CC-4761-475A-95AA-1EBE2291680A
Initial Truth in Lending Disclosure is Missing
* Initial Truth in Lending Disclosure is Missing (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
WSGDFAFIIMZ
xxxxxxx
34285988
xxxxxxx
Purchase
Primary
2010-05-13
Pennsylvania
$176,123.00
Reviewed with No Exceptions
3/20/2020
Compliance
Compliance
Active
3/23/2020
2: Acceptable with Warnings
F872B327-8F99-4646-926B-7EB3390BE157
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $203,393.27. The disclosed finance charge of $203,024.83 is not considered accurate because it is understated by more than $100. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 6.096%. The disclosed APR of 6.422% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects total fees of $203,024.83 with comparison data of $203,393.27 resulting in an over charge of $368.44. The loan data reflects an APR of 6.422% with comparison data of 6.096% resulting in an overage of 0.326%. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
WSGDFAFIIMZ
xxxxxxx
34285988
xxxxxxx
Purchase
Primary
2010-05-13
Pennsylvania
$176,123.00
Reviewed with No Exceptions
3/20/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
C3A1F160-10C8-437E-A021-15DBB75FB4FD
Init. Escrow Acct Disc missing; loan has escrows
* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)
The loan is missing the Initial Escrow Account Disclosure.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Credit
Credit
Active
3/23/2020
3: Curable
640AC5D4-DF18-4EF3-959F-407C86636839
Special information booklet is Missing
* Special information booklet is Missing (Lvl 3)
The Home Loan Toolkit is missing. Per Regulation, the Home Loan Toolkit must be provided to the borrower in connection with all purchase loans. The defect may be cured by providing evidence that shows the consumer received the disclosure within 3 days of the application date.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Legal Docs
Legal Docs
Active
3/23/2020
3: Curable
D41BF284-3FCE-411A-B2D6-4A8B9B31DD0F
Guaranty
* Guaranty is Missing  (Lvl 3)
VA Loan Guaranty Certificate is missing.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
3: Curable
41281D1F-990A-46C4-B187-C0ED102AC707
ComplianceEase TRID Tolerance Test Failed
* ComplianceEase TRID Tolerance Test Failed (Lvl 3)
This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The increase of Transfer Taxes on 8/28/17 was not accepted because a reason for the increase was not provided. In addition, the loan failed the Charges that Cannot Increase more than 10% (12 CFR §1026.19(e)(3)(ii)) The increase of the following fees on 8/28/17 was not accepted because a valid reason was not provided: Title - Lender's Title Ins and Title - Settlement/Closing Fee. A cost to cure in the amount of $208.37 (Zero $3.40 + 10% $204.97). The defect can be cured by reimbursing the consumer or providing a reason for the increases. If reimbursing the consumer, the following documents are required: LOE to consumer, PCCD, copy of refund, proof of delivery (mailing label).
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
3: Curable
13198124-CD77-4807-87AC-33BA1ED8F738
VA Loan Fees Not allowed
* VA Loan Fees Not allowed  (Lvl 3)
This loan failed the loan origination fee test. (VA Pamphlet 26-7, Chapter 8.02, VA State Deviation Chart (5/23/2017) ) The loan charges the veteran a loan origination fee and/or unauthorized fees, the total of which exceeds 1% of the loan amount, or 1% of the unpaid principal balance if the loan is an Interest Rate Reduction Refinance Loan (IRRRL).
In addition to certain itemized fees and charges designated by VA guidelines, the lender may charge the veteran a flat charge not to exceed 1%. The lender's maximum allowable flat charge of 1% is intended to cover all of the lender's costs and services which are not reimbursable as "itemized fees and charges." The loan fails the origination test by $25.00. The following fees are included in the calculation: Settlement $650, CPL $25.00, and Underwiting $255.12
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Compliance
Disclosures
Active
3/23/2020
3: Curable
7748EDBB-F117-4052-969D-FC0705086D37
Missing TRID RESPA Disclosures
* Missing TRID RESPA Disclosures (Lvl 3)
The Service Provider List is missing. The defect can be cured by providing the disclosure. Failure to provide a Service Provider List is treated as not allowing the borrower to shop; as a result, the following fees were included in the 10% tolerance bucket Title - CPL, Title - Lender's Title Ins, and Title - Settlement/Closing Fee. The defect can be cured by providing the SPL.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
3: Curable
9395DCDF-E5D6-4A44-8E46-70CEB848B412
ComplianceEase HPML/HCM Test is Incomplete
* ComplianceEase HPML/HCM Test is Incomplete (Lvl 3)
This loan failed the date the rate was set validation test. ( 12 CFR &sect226.35(a)(1) as enacted in 2008 and amended in 2013 )This loan did not provide the date the rate was set, which is required for the Higher-Priced Mortgage Loan Finding. The defect may be cured by providing the rate lock date.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
2E59A0BC-3783-40FF-B3DC-B5399C901998
Application Missing
* Application Missing (Lvl 3)
There is no evidence of an initial 1003. Unable to determine if the Loan Estimate was provided within 3-business days.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
3: Curable
6A4D5EF6-3F30-4DC2-967F-DB576F519C94
Missing evidence of TRID Disclosure Delivery
* Missing evidence of TRID Disclosure Delivery (Lvl 3)
This loan failed the initial closing disclosure delivery date test ( 12 CFR §1026.19(f) (1)(ii) ) The initial CD is missing from the loan file. The only CD provided was issued 8/28/17 and signed at consummation. The violation can be cured by providing the initial CD as well as evidence showing that it was received by the consumer 3 business days prior to the consummation date, 8/28/17. If disclosure was delivered electronically, the E-consent is required as well.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
3: Curable
E285FF50-8755-4FBF-B6EB-1FCD522D793D
Missing TRID RESPA Disclosures
* Missing TRID RESPA Disclosures (Lvl 3)
The Homeownership Counseling Disclosure (HOC) is missing. The defect can be cured by providing evidence that shows the disclosure was provided to the consumer within 3-business days of application.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Credit
Underwriting
Active
3/23/2020
3: Curable
4477946E-5CCE-4570-9CCA-2D81B3723F48
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The 1008 is missing.
          
XEU0L01KVIM
xxxxxxx
34285998
xxxxxxx
Purchase
Primary
2017-08-28
Alabama
$90,512.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
3: Curable
EEF67D0F-C106-4E33-A2D1-1504E3F2C129
Evidence of Appraisal delivery
* Evidence of Appraisal delivery (Lvl 3)
The loan appears to be an HPML, and evidence that a  copy of a written appraisal with interior photos and  performed by a certified appraiser was provided to the consumer is missing. Per Regulation, a creditor shall provide to the consumer a copy of any written appraisal performed in connection with a HPML. The defect may be cured by providing the rate lock date.
          
JGK0XEP14RM
xxxxxxx
34286001
xxxxxxx
Cash Out
Primary
2002-07-23
Illinois
$192,000.00
Reviewed with Exceptions
3/20/2020
Credit
Doc Issue
Active
3/20/2020
3: Curable
35F5466C-C4A0-4258-A158-07D531B0E84A
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was ARM.
          
JGK0XEP14RM
xxxxxxx
34286001
xxxxxxx
Cash Out
Primary
2002-07-23
Illinois
$192,000.00
Reviewed with Exceptions
3/20/2020
Compliance
Compliance
Active
3/20/2020
3: Curable
752526D9-F3D0-44C5-9811-8B5A53C5B558
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
HXL401OS4V1
xxxxxxx
34286009
xxxxxxx
Refinance
Primary
2009-04-22
Indiana
$136,980.00
Reviewed with Exceptions
3/20/2020
Credit
Doc Issue
Active
3/20/2020
3: Curable
B2A86176-16D4-46B3-8E54-FF827DD7C9B5
Required Affiliated Business Disclosure missing/un
* Required Affiliated Business Disclosure missing/unexecuted (Lvl 3)
The loan file did not contain the initial Affiliated Business Disclosure; the final affiliated business disclosure is located on page 1249.
          
HXL401OS4V1
xxxxxxx
34286009
xxxxxxx
Refinance
Primary
2009-04-22
Indiana
$136,980.00
Reviewed with Exceptions
3/20/2020
Credit
Doc Issue
Active
3/20/2020
3: Curable
73D97237-4A6C-4910-B63A-074B0AF41D7A
Init. Escrow Acct Disc missing; loan has escrows
* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)
The loan file is missing the Initial Escrow Account Disclosure and the loan has escrows.
          
HXL401OS4V1
xxxxxxx
34286009
xxxxxxx
Refinance
Primary
2009-04-22
Indiana
$136,980.00
Reviewed with Exceptions
3/20/2020
Credit
Doc Issue
Active
3/20/2020
3: Curable
3EB940B8-DA2D-4ACA-9BED-6EF0E567DC35
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial application.
          
HXL401OS4V1
xxxxxxx
34286009
xxxxxxx
Refinance
Primary
2009-04-22
Indiana
$136,980.00
Reviewed with Exceptions
3/20/2020
Valuation
Doc Issue
Active
3/20/2020
3: Curable
38490F2D-E4FE-4E35-9C94-9452B8C13E6B
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file is missing the appraisal.
          
HXL401OS4V1
xxxxxxx
34286009
xxxxxxx
Refinance
Primary
2009-04-22
Indiana
$136,980.00
Reviewed with Exceptions
3/20/2020
Compliance
Compliance
Active
3/20/2020
2: Acceptable with Warnings
666AF676-2E62-42EB-BBA8-69A30D266D0D
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $87,031.62. The disclosed finance charge of $86,438.69 is not considered accurate because it is understated by more than $100. The loan data reflects $86,438.69 with comparison data of $87,031.62 resulting in a variance of $592.93. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
HXL401OS4V1
xxxxxxx
34286009
xxxxxxx
Refinance
Primary
2009-04-22
Indiana
$136,980.00
Reviewed with Exceptions
3/20/2020
Credit
Doc Issue
Active
3/20/2020
3: Curable
B2B338E7-933F-417E-8E15-23F38599B67D
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing the notice of servicing transfer disclosure.
          
LANX0HYLYPH
xxxxxxx
34286010
xxxxxxx
Purchase
Primary
2009-08-28
Michigan
$54,843.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
2: Acceptable with Warnings
77DCA1A4-48BE-47A6-B734-FC87CC293917
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $69,222.79. The disclosed finance charge of $67,845.68 is not considered accurate because it is understated by more than $100. The loan data reflects $67,845.68 with comparison data of $69,222.79 resulting in a variance of $1,377.11. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 7.360%. The disclosed APR of 6.933% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects the APR of 6.933% with comparison data of 7.360% resulting in an under disclosed APR of .427%. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
LANX0HYLYPH
xxxxxxx
34286010
xxxxxxx
Purchase
Primary
2009-08-28
Michigan
$54,843.00
Reviewed with Exceptions
3/23/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
AC9DFBBF-98CD-4E31-B6C7-E61B689E6322
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing missing the Notice of Servicing Transfer Disclosure.
          
1IZBB1332OE
xxxxxxx
26553493
xxxxxxx
Cash Out
Primary
2006-07-24
Virginia
$140,000.00
Reviewed with Exceptions
3/21/2020
Compliance
Compliance
Active
3/21/2020
2: Acceptable with Warnings
DD0D1BB3-0BE2-49DF-8CF8-D70032DB0F1A
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
1IZBB1332OE
xxxxxxx
26553493
xxxxxxx
Cash Out
Primary
2006-07-24
Virginia
$140,000.00
Reviewed with Exceptions
3/21/2020
Credit
Doc Issue
Active
3/21/2020
3: Curable
9B6347E3-9A38-4DC6-AF18-087D27F5A925
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial loan application.
          
1IZBB1332OE
xxxxxxx
26553493
xxxxxxx
Cash Out
Primary
2006-07-24
Virginia
$140,000.00
Reviewed with Exceptions
3/21/2020
Credit
Doc Issue
Active
3/21/2020
3: Curable
881B2D4C-9B76-45BF-828B-A9AB0EF8891F
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing the initial notice of servicing transfer.
          
1IZBB1332OE
xxxxxxx
26553493
xxxxxxx
Cash Out
Primary
2006-07-24
Virginia
$140,000.00
Reviewed with Exceptions
3/21/2020
Legal Docs
Doc Issue
Active
3/21/2020
3: Curable
C03252BC-7781-43BE-9DA4-734014A3CD23
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The note reflects a prepayment penalty, however, the loan file is missing the prepayment penalty rider to the mortgage.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/26/2020
2: Acceptable with Warnings
0E74BCE1-9770-45F6-9E61-75239A832F4F
Final TIL Missing or Not Executed
* Final TIL Missing or Not Executed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Compliance
Compliance
Active
3/26/2020
2: Acceptable with Warnings
825D9695-51FC-4847-BE88-264432A5F022
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Credit
Active
3/26/2020
3: Curable
CB60BA78-920E-4C38-98E1-88E552AFEC6B
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The final loan application is missing from the loan file.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
A4A0ED2F-0771-4398-A924-9C9B0F1E5B2D
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was ARM with PPP.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
0DAB4530-2C20-4C17-A395-1985190A46C5
HUD-1 Closing Statement missing or unsigned
* HUD-1 Closing Statement missing or unsigned (Lvl 3)
The loan file did not include the HUD and no alternative documents were available to complete the compliance testing.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
4C8AE228-EDBA-4616-9E87-955E2E65DA34
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The Notice of Servicing Transfer is missing from the loan file.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Compliance
Compliance
Active
3/24/2020
3: Curable
9097C6EA-BC75-4430-9E3F-A974047F03D8
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
CD55AFB6-5668-4B2F-ABF4-C5B9CE82270A
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The initial Good Faith Estimate is missing from the loan file.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Underwriting
Active
3/26/2020
3: Curable
7B7DFE4A-E57B-475A-BB8E-AD1044BBBCDC
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The Transmittal (1008) is missing from the loan file.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
71766754-9AF5-4AFF-98E5-9B66E839B6E6
Application Missing
* Application Missing (Lvl 3)
The initial loan application is missing from the loan file.
          
BIBEVYEW4H2
xxxxxxx
34285844
xxxxxxx
  
Primary
2004-10-25
Florida
$180,000.00
Reviewed with Exceptions
3/24/2020
Valuation
Doc Issue
Active
3/26/2020
3: Curable
EA5CABBA-2F24-47BB-B042-BB35BF4C6292
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file is missing the Appraisal.
          
2DUAKDBJEY4
xxxxxxx
34285848
xxxxxxx
Cash Out
Primary
2005-12-06
Alabama
$85,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
7791AE92-745F-4BFE-B38B-1F974DB8D61B
Right of Rescission missing or unexecuted
* Right of Rescission missing or unexecuted (Lvl 3)
The loan file is missing the Right of Rescission.
          
2DUAKDBJEY4
xxxxxxx
34285848
xxxxxxx
Cash Out
Primary
2005-12-06
Alabama
$85,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
19B683D0-46D0-4EB5-B4C3-41FC1282CB54
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial application.
          
2DUAKDBJEY4
xxxxxxx
34285848
xxxxxxx
Cash Out
Primary
2005-12-06
Alabama
$85,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
4323FEF3-1C69-403C-9570-ABE9EE61065A
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing the Notice of Servicing Transfer Disclosure.
          
HHBKTXRIWHX
xxxxxxx
34285862
xxxxxxx
Refinance
Primary
2006-09-27
California
$270,000.00
Reviewed with Exceptions
3/24/2020
Compliance
Compliance
Active
3/24/2020
2: Acceptable with Warnings
701ED217-8849-4FF8-B7CA-709D1F37021B
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
HHBKTXRIWHX
xxxxxxx
34285862
xxxxxxx
Refinance
Primary
2006-09-27
California
$270,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
70BD2FCD-F64B-4A77-AACF-8EE6120409E5
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file is missing the initial good faith estimate.
          
HHBKTXRIWHX
xxxxxxx
34285862
xxxxxxx
Refinance
Primary
2006-09-27
California
$270,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
81D41289-CE62-4979-AABE-A47C8AEEF0A3
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
HHBKTXRIWHX
xxxxxxx
34285862
xxxxxxx
Refinance
Primary
2006-09-27
California
$270,000.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
5C551885-AAB1-4088-ACF4-D900671A1D1F
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing the Notice of Servicing Transfer disclosure.
          
HHBKTXRIWHX
xxxxxxx
34285862
xxxxxxx
Refinance
Primary
2006-09-27
California
$270,000.00
Reviewed with Exceptions
3/24/2020
Compliance
Compliance
Active
3/26/2020
3: Curable
0582C598-C107-42F3-878D-29E597C11327
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
1CHGKPEVYKJ
xxxxxxx
34285874
xxxxxxx
Cash Out
Primary
2004-08-23
Maryland
$538,500.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
31238D3B-E4F7-4759-86F5-A943FBB05CA8
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the initial ARM loan program disclosure.
          
1CHGKPEVYKJ
xxxxxxx
34285874
xxxxxxx
Cash Out
Primary
2004-08-23
Maryland
$538,500.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
519679EF-02D4-43B1-BC1E-E98A9CDB1F92
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain the servicing disclosure.
          
DJPIY1KPBG2
xxxxxxx
34285878
xxxxxxx
Cash Out
Primary
2007-06-22
New Jersey
$180,000.00
Reviewed with Exceptions
3/23/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
104D4AC1-8078-4F98-AE03-94917041440C
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the initial ARM loan program disclosure.
          
TEDMIV3NJOX
xxxxxxx
34285890
xxxxxxx
Refinance
Primary
2007-11-01
Illinois
$77,140.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
2: Acceptable with Warnings
45DA5941-864B-4017-8BFA-9BDBEB8FCBC8
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $112,980.49. The disclosed finance charge of $105,904.95 is not considered accurate because it is understated by more than $100. The loan data reflects total fees of $105,904.95 with comparison data of $112,980.49 resulting in a difference of $7,075.54. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $112,980.49. The disclosed finance charge of $105,904.95 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The loan data reflects total fees of $105,904.95 with comparison data of $112,980.49 resulting in a difference of $7,075.54. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4), transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 7.599%. The disclosed APR of 7.374% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. The loan data reflects an APR of 7.374% with comparison data of 7.599% resulting in a difference of .225%. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
TEDMIV3NJOX
xxxxxxx
34285890
xxxxxxx
Refinance
Primary
2007-11-01
Illinois
$77,140.00
Reviewed with Exceptions
3/23/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
6212B480-42D7-49D7-9E09-38CB38A737E2
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain the servicing disclosure.
          
MZORS41010W
xxxxxxx
34137540
xxxxxxx
Purchase
Primary
2008-02-25
New Jersey
$278,872.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
C0EA34D1-F3DA-4B06-9A10-91AAB51FE277
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain a Good Faith Estimate.
          
GZLJKUKV3TV
xxxxxxx
26390556
xxxxxxx
Cash Out
Investor
2006-03-14
Florida
$84,000.00
Reviewed with Exceptions
3/23/2020
Compliance
Compliance
Active
3/23/2020
2: Acceptable with Warnings
76A8E8D7-EDAC-4202-9F39-B15157A106F2
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
GZLJKUKV3TV
xxxxxxx
26390556
xxxxxxx
Cash Out
Investor
2006-03-14
Florida
$84,000.00
Reviewed with Exceptions
3/23/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
1E599934-C610-4478-98D7-0B963715A374
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain a Notice of Servicing Transfer.
          
GZLJKUKV3TV
xxxxxxx
26390556
xxxxxxx
Cash Out
Investor
2006-03-14
Florida
$84,000.00
Reviewed with Exceptions
3/23/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
3570CCF6-DE34-4FEF-929B-8F421A95E129
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain a Good Faith Estimate.
          
GZLJKUKV3TV
xxxxxxx
26390556
xxxxxxx
Cash Out
Investor
2006-03-14
Florida
$84,000.00
Reviewed with Exceptions
3/23/2020
Credit
Doc Issue
Active
3/23/2020
3: Curable
E07443E3-1894-42F3-B54C-795F4CB39A29
Application Missing
* Application Missing (Lvl 3)
The loan file did not contain the initial Application.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
7057E340-F3AC-48CA-B465-1DE96BB761C3
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The notice of transfer discourse is missing.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Compliance
Compliance
Active
3/24/2020
2: Acceptable with Warnings
A6512B08-22B2-4ED9-96F3-5E27D92D8367
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Credit
Credit
Active
3/24/2020
3: Curable
032BD0B1-2743-44F0-9A7B-6B78B1D8198F
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing the Final 1003.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Valuation
Doc Issue
Active
3/24/2020
3: Curable
0421A561-CF42-4CEF-8B46-7B98B4DA0FD8
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file is missing the Appraisal.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Legal Docs
Doc Issue
Active
3/24/2020
3: Curable
4ED33216-3965-4DFC-87CB-8B44ED6CC45F
Mortgage missing / unexecuted
* Mortgage missing / unexecuted (Lvl 3)
The loan file is missing the Mortgage.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Credit
Underwriting
Active
3/26/2020
3: Curable
D31C53AA-4B5D-48FF-9053-B90FA0085BF5
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The 1008 is missing from the loan file.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
058DF698-691C-4F59-A55C-BCB2D87BE6EB
HUD-1 Closing Statement missing or unsigned
* HUD-1 Closing Statement missing or unsigned (Lvl 3)
The loan file did not include the HUD and no alternative documents were available to complete the compliance testing.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Valuation
Doc Issue
Active
3/24/2020
3: Curable
91A0A948-F8AE-4ED0-831B-E76099458E64
Appraisal not dated
* Appraisal not dated (Lvl 3)
The loan file Appraisal is misisng.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
0BE5BBEB-54B3-497A-8884-E9EC24786239
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file is missing the GFE.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Legal Docs
Doc Issue
Active
3/24/2020
3: Curable
82D932DA-5F31-44D5-9BE2-476DD355E647
Missing Title evidence
* Missing Title evidence (Lvl 3)
The loan file is missing the Final Title and Commitment.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/26/2020
2: Acceptable with Warnings
37187F76-9967-41C7-AAA8-4D15585E0634
Final TIL Missing or Not Executed
* Final TIL Missing or Not Executed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
S02JXVPO3CK
xxxxxxx
34285928
xxxxxxx
    
2005-05-19
Illinois
$225,634.00
Reviewed with Exceptions
3/24/2020
Credit
Doc Issue
Active
3/24/2020
3: Curable
0373D05F-6121-441B-A681-CB0DC52B5B2E
Application Missing
* Application Missing (Lvl 3)
The loan file is missing the initial application.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
ACC71CF1-36FE-4150-ADF7-F5C560618526
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
F0B7FE91-0A24-423F-9579-FBA6A292B8A6
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Credit
Active
3/25/2020
3: Curable
BBA83469-86AA-47BF-B5E6-06DE22490089
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file did not contain a Final Application.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
811F216D-A2CD-4FE7-B7BB-0726164547A0
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain a Notice of Servicing Transfer.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
05F55AE8-E10F-40F6-8AAF-11951997B428
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain a loan program disclosure with an interest-only provision.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Underwriting
Active
3/25/2020
3: Curable
57F483F2-8768-423C-8322-21D0FB649498
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the Transmittal (1008).
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Legal Docs
Doc Issue
Active
3/25/2020
3: Curable
F910FD80-3E50-4386-A2C7-3EFC17FD5CDF
Not all borrowers signed HUD
* Not all borrowers signed HUD (Lvl 3)
The HUD-1 in the file is an estimate.  The loan file did not contain the Final signed HUD-1.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
F848BADA-F08F-4130-8F5C-ED9E97B4FB60
Init. Escrow Acct Disc missing; loan has escrows
* Initial Escrow Acct Disclosure missing; loan has escrows (Lvl 3)
The loan file did not contain an Initial Escrow Account Disclosure.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
14A63DA5-8C0B-44CD-BCEA-8F6FFF5BEDD4
Application Missing
* Application Missing (Lvl 3)
The loan file did not contain the initial Application.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Valuation
Doc Issue
Active
3/25/2020
3: Curable
BAF638C3-2CFC-4528-B8BC-D0A456F30E43
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file did not contain an Appraisal.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
70E5080E-207C-431C-9A9F-E71CAE23068F
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain a Good Faith Estimate.
          
FCGO4LOTQZR
xxxxxxx
34285937
xxxxxxx
Refinance
Investor
2007-08-07
Tennessee
$180,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
2: Acceptable with Warnings
29BE9346-25CF-4A6E-AAD4-206FA2B8A112
Final TIL Missing or Not Executed
* Final TIL Missing or Not Executed (Lvl 2)
The loan file is missing a TIL. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/25/2020
3: Curable
3F63C743-0990-4FAB-8B07-9DF887A6FE07
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
B2471C06-4BF1-46AD-A5F1-DA2AB2328DC5
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The Notice of Servicing Transfer is missing from the loan file.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
2: Acceptable with Warnings
532F9F3E-87C8-443C-8E30-2BAB2FC4D797
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date. The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Legal Docs
Doc Issue
Active
3/25/2020
3: Curable
C7C2C11C-17C2-40BA-B1A1-B492EE0F7A6F
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan file is missing the ARM Rider.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Credit
Underwriting
Active
3/26/2020
3: Curable
5B387DDF-9989-4AFA-A667-25610CE39938
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The Transmittal (1008) is missing from the loan file.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
F169FD2C-E545-48E5-BA39-3643CCAFE751
Application Missing
* Application Missing (Lvl 3)
The initial loan application is missing from the loan file.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
4/4/2020
3: Curable
B6AF9BD9-A6B7-4B86-850C-2113143EC180
ROR not hand dated by borrower(s)
* ROR not hand dated by borrower(s) (Lvl 3)
The Right To Cancel is not executed by the borrower.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
4/4/2020
Credit
Doc Issue
Active
4/4/2020
3: Curable
716EA205-26E0-4F83-812A-27C21D56B68A
ROR Transaction date not consistent with Note and/
* ROR Transaction date not consistent with Note and/or HUD (Lvl 3)
            
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Credit
Doc Issue
Active
3/26/2020
3: Curable
123911B6-6C19-4BEA-9615-F660DFC13428
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The initial Good Faith Estimate is missing from the loan file.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
3/25/2020
Compliance
Compliance
Active
3/25/2020
3: Curable
2AAFF8A9-23F5-4904-A3DB-C7BA50863577
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
AU4O3YWQIUT
xxxxxxx
34285958
xxxxxxx
Cash Out
Primary
2006-01-26
California
$376,000.00
Reviewed with Exceptions
4/4/2020
Legal Docs
Doc Issue
Active
4/4/2020
3: Curable
DD391113-A0CF-462D-9D8F-8CA20A3C95B9
Settlement date is different from note date
* Settlement date is different from note date (Lvl 3)
Property is in an escrow state.
          
SMTIEEVFN4I
xxxxxxx
25637735
xxxxxxx
Cash Out
Primary
2004-06-04
California
$431,000.00
Reviewed with Exceptions
2/24/2019
Credit
Credit
Active
2/24/2019
3: Curable
B4796116-3B6B-452F-A32B-C4BC7BC18EE3
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file did not contain the final 1003.
          
SMTIEEVFN4I
xxxxxxx
25637735
xxxxxxx
Cash Out
Primary
2004-06-04
California
$431,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
979DBF01-53A1-499E-BA1C-C05E07E58E19
Not all borrowers signed HUD
* Not all borrowers signed HUD (Lvl 3)
The HUD in file is not signed by the borrower or settlement agent.
          
IUAICPEW3UV
xxxxxxx
25637909
xxxxxxx
Cash Out
Primary
2004-08-05
California
$290,000.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
BCDEAFE9-50F5-4711-A77A-3CB20747854A
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was an ARM.
          
IUAICPEW3UV
xxxxxxx
25637909
xxxxxxx
Cash Out
Primary
2004-08-05
California
$290,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
89A649CD-CB33-4337-9C49-7F215686E6D5
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Rider.
          
IUAICPEW3UV
xxxxxxx
25637909
xxxxxxx
Cash Out
Primary
2004-08-05
California
$290,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
0E7278DF-10A7-44D6-8638-D35DF08DB09F
ROR Transaction date not consistent with Note and/
* ROR Transaction date not consistent with Note and/or HUD (Lvl 3)
ROR transaction date 8/9/2004, Note date 8/xx/2004, HUD settlement date 8/xx/2004.
          
GOFFQ0JYWLM
xxxxxxx
25638228
xxxxxxx
Cash Out
Primary
2004-11-16
New Jersey
$253,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
73089BAB-E846-40A7-AABC-BC96E1EFC09F
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The GFE is misisng.
          
GOFFQ0JYWLM
xxxxxxx
25638228
xxxxxxx
Cash Out
Primary
2004-11-16
New Jersey
$253,500.00
Reviewed with Exceptions
2/25/2019
Legal Docs
Doc Issue
Active
2/25/2019
3: Curable
317E8CE1-8A12-4F6F-B2DD-C51556EEECC6
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The Prepayment Rider is misisng.
          
WIGBVA5MPA4
xxxxxxx
25638127
xxxxxxx
Cash Out
Primary
2004-10-20
California
$255,000.00
Reviewed with Exceptions
2/23/2019
Credit
Other Disclosures
Active
2/23/2019
3: Curable
86041F62-8B5D-4A1E-BF39-07A9B59C15DC
Final Application is missing
* Final Application is missing (Lvl 3)
The loan file did not contain the final loan application.
          
WIGBVA5MPA4
xxxxxxx
25638127
xxxxxxx
Cash Out
Primary
2004-10-20
California
$255,000.00
Reviewed with Exceptions
2/23/2019
Credit
Underwriting
Active
2/23/2019
3: Curable
3F9C9BCD-4711-4BD1-B378-59BAEFB189A3
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file did not contain a 1008.
          
WIGBVA5MPA4
xxxxxxx
25638127
xxxxxxx
Cash Out
Primary
2004-10-20
California
$255,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
38A70099-C9F2-4C4C-97F3-D47C0E2A4238
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan file did not contain an ARM rider.
          
WIGBVA5MPA4
xxxxxxx
25638127
xxxxxxx
Cash Out
Primary
2004-10-20
California
$255,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
3: Curable
3D2B7DB6-718D-4235-B2DB-78C225757A23
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
RN0LZIBBB3E
xxxxxxx
25638341
xxxxxxx
Cash Out
Primary
2004-12-20
California
$371,300.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
46EAB627-076F-4AE9-96BA-2D3D37AFF30F
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan file does not contain the ARM rider.
          
RN0LZIBBB3E
xxxxxxx
25638341
xxxxxxx
Cash Out
Primary
2004-12-20
California
$371,300.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
7D6E2CD0-9803-4512-8249-E6557C4862E0
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file is missing the CHARM booklet and loan was ARM.
          
RN0LZIBBB3E
xxxxxxx
25638341
xxxxxxx
Cash Out
Primary
2004-12-20
California
$371,300.00
Reviewed with Exceptions
2/22/2019
Credit
Underwriting
Active
2/22/2019
3: Curable
780F63B6-2B53-44EA-A2D6-EF1536F3BDBD
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the 1008.
          
5N1HDYTPDJU
xxxxxxx
25638572
xxxxxxx
Cash Out
Primary
2005-02-24
California
$279,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
475F22DC-CD39-4731-8BCC-078F1778F45E
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The note is an ARM but the mortgage did not have an ARM rider to the mortgage.
          
5N1HDYTPDJU
xxxxxxx
25638572
xxxxxxx
Cash Out
Primary
2005-02-24
California
$279,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
10FD17AE-8D64-48A8-951F-1B2216D79676
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The note has a prepayment penalty but the mortgage did not have a prepayment penalty rider to the mortgage.
          
5N1HDYTPDJU
xxxxxxx
25638572
xxxxxxx
Cash Out
Primary
2005-02-24
California
$279,000.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
AA603405-DB41-4F70-8B05-8D682D018697
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
AO5UUM2UIFX
xxxxxxx
25638557
xxxxxxx
Refinance
Primary
2005-02-22
California
$330,000.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
E4131D07-D89E-48AD-966C-2C2157CCB61E
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
AO5UUM2UIFX
xxxxxxx
25638557
xxxxxxx
Refinance
Primary
2005-02-22
California
$330,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
018E6E80-4869-457B-9EE9-2E33081318E5
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The note has a prepayment rider but the loan file is missing a prepayment rider to the mortgage.
          
TY5FW5Z2W3J
xxxxxxx
25638911
xxxxxxx
Cash Out
Primary
2005-05-09
California
$577,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
22296A45-640F-4975-8A54-02C8E49DB203
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain a Good Faith Estimate.
          
TY5FW5Z2W3J
xxxxxxx
25638911
xxxxxxx
Cash Out
Primary
2005-05-09
California
$577,500.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
5AB9B903-3B3D-4E30-87F1-33A3B3016AF1
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
TY5FW5Z2W3J
xxxxxxx
25638911
xxxxxxx
Cash Out
Primary
2005-05-09
California
$577,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
F8F63787-11E2-42FF-BAF9-E4B4E8CD92A6
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was Negative Amortization ARM with a Prepayment Penalty.
          
TY5FW5Z2W3J
xxxxxxx
25638911
xxxxxxx
Cash Out
Primary
2005-05-09
California
$577,500.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
2: Acceptable with Warnings
EE949E35-DFA4-4333-8680-F7E6AA176C64
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
TY5FW5Z2W3J
xxxxxxx
25638911
xxxxxxx
Cash Out
Primary
2005-05-09
California
$577,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
48EFFBCE-9EE1-4F37-948A-6E5EC4E3FAE4
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain a Notice of Servicing Transfer.
          
TY5FW5Z2W3J
xxxxxxx
25638911
xxxxxxx
Cash Out
Primary
2005-05-09
California
$577,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
7E9B55EB-002D-49EC-9EF6-35426AA667C5
ROR Transaction date not consistent with Note and/
* ROR Transaction date not consistent with Note and/or HUD (Lvl 3)
The Right of Rescission was printed on 5/9/2005 and signed by the borrower on 5/10/2005.
          
ML3KSGBZ4PN
xxxxxxx
25638888
xxxxxxx
Cash Out
Primary
2005-05-04
California
$292,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
8FE10065-E1A2-4309-8EE2-85EB63B9512D
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The file did not contain a Notice of Servicing Transfer.
          
ML3KSGBZ4PN
xxxxxxx
25638888
xxxxxxx
Cash Out
Primary
2005-05-04
California
$292,500.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
2: Acceptable with Warnings
5835CD19-AE03-4493-8FA3-8EE0D3269C3F
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
ML3KSGBZ4PN
xxxxxxx
25638888
xxxxxxx
Cash Out
Primary
2005-05-04
California
$292,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
0E9125F5-739A-4D35-8FE5-5B060F0062FA
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain the Good Faith Estimate.
          
ML3KSGBZ4PN
xxxxxxx
25638888
xxxxxxx
Cash Out
Primary
2005-05-04
California
$292,500.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
90DC856E-618C-43E7-A9A2-CC84C7149F7E
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
ML3KSGBZ4PN
xxxxxxx
25638888
xxxxxxx
Cash Out
Primary
2005-05-04
California
$292,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
28E0A58C-0362-4515-9A4B-FC5CA5FD4A96
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was ARM with Negative Amortization and a Prepayment Penalty.
          
ML3KSGBZ4PN
xxxxxxx
25638888
xxxxxxx
Cash Out
Primary
2005-05-04
California
$292,500.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
0F1D59B7-F258-4FCF-B3EB-A2CB236255EA
Not all borrowers signed HUD
* Not all borrowers signed HUD (Lvl 3)
The HUD located in the loan file was not signed by the borrower or stamped Final or True and Certified by the closing agent.
          
EB5XEMQ141J
xxxxxxx
25639067
xxxxxxx
Cash Out
Primary
2005-06-08
California
$295,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
3657574E-7A8F-45B0-8C28-04603D73437D
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The mortgage pre-payment rider is missing from the loan file.
          
EB5XEMQ141J
xxxxxxx
25639067
xxxxxxx
Cash Out
Primary
2005-06-08
California
$295,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
7F5A89AD-E92E-4E89-9FE6-29042652F81E
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The inital GFE is missing.
          
EB5XEMQ141J
xxxxxxx
25639067
xxxxxxx
Cash Out
Primary
2005-06-08
California
$295,000.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
709E7149-9F49-409B-BAC7-0FF3596A9DB2
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file is missing the CHARM booklet.
          
EB5XEMQ141J
xxxxxxx
25639067
xxxxxxx
Cash Out
Primary
2005-06-08
California
$295,000.00
Reviewed with Exceptions
2/22/2019
Credit
Underwriting
Active
2/22/2019
3: Curable
E843A228-8C8C-4908-B1C7-4CC5212A7ECD
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The 1008 is missing from the loan file.
          
EB5XEMQ141J
xxxxxxx
25639067
xxxxxxx
Cash Out
Primary
2005-06-08
California
$295,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
22CF66D5-BDC0-42D7-B78E-5D33BAA7DE9D
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The initial ARM and Pick-a-pay disclosures are missing from the file.
          
EB5XEMQ141J
xxxxxxx
25639067
xxxxxxx
Cash Out
Primary
2005-06-08
California
$295,000.00
Reviewed with Exceptions
2/22/2019
Credit
Credit
Active
2/22/2019
3: Curable
8045EF89-AA68-4A99-9261-FCE3AE79363E
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing the final 1003.
          
EB5XEMQ141J
xxxxxxx
25639067
xxxxxxx
Cash Out
Primary
2005-06-08
California
$295,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
943E8FE0-0D23-4F4F-B085-A0FD92B5A8FE
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The initial notice of servicing transfer is missing from the loan file.
          
ALR554UUTIY
xxxxxxx
25639625
xxxxxxx
Refinance
Primary
2005-09-09
California
$288,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
9AD9A08A-3F58-4B78-B960-3802706E1D69
Not all borrowers signed HUD
* Not all borrowers signed HUD (Lvl 3)
The signature page of the HUD-1 Settlement Statement is missing from the loan file.
          
ALR554UUTIY
xxxxxxx
25639625
xxxxxxx
Refinance
Primary
2005-09-09
California
$288,000.00
Reviewed with Exceptions
2/23/2019
Credit
Underwriting
Active
2/23/2019
3: Curable
D46175B7-941F-4CA5-880E-DF80F21038A1
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the 1008.
          
ALR554UUTIY
xxxxxxx
25639625
xxxxxxx
Refinance
Primary
2005-09-09
California
$288,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/24/2019
3: Curable
E836CEAC-DB76-435C-890C-0907314F0DF4
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The CHARM booklet is missing from the loan file.
          
ALR554UUTIY
xxxxxxx
25639625
xxxxxxx
Refinance
Primary
2005-09-09
California
$288,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
0D7B8D3A-A304-4E54-BE84-DFB0C3F8E319
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The GFE is missing from the loan file.
          
ALR554UUTIY
xxxxxxx
25639625
xxxxxxx
Refinance
Primary
2005-09-09
California
$288,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
858764D1-95A8-46E9-9C30-73D06CA4A5E5
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The ARM rider is missing from the loan file.
          
5R35UPJQVN5
xxxxxxx
25639719
xxxxxxx
Cash Out
Primary
2005-09-23
California
$350,500.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
3: Curable
B1716FC8-0889-4EE4-A52D-5A4C9BFEF53F
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
5R35UPJQVN5
xxxxxxx
25639719
xxxxxxx
Cash Out
Primary
2005-09-23
California
$350,500.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
C812764E-879C-4967-9447-339D867D8B20
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Penalty Rider to the Mortgage and the Note contains prepayment penalty terms for the first 36 months. A Prepayment Feature Acknowledgment was provided on page 516.
          
VNINEOG0TGD
xxxxxxx
25639653
xxxxxxx
Cash Out
Primary
2005-09-13
California
$150,000.00
Reviewed with Exceptions
2/24/2019
Credit
Doc Issue
Active
2/24/2019
3: Curable
C82126E2-8696-42E6-BCEE-0E405D33F10E
ROR Transaction date not consistent with Note and/
* ROR Transaction date not consistent with Note and/or HUD (Lvl 3)
The loan is located in an Escrow State; however, the corrected transaction date and rescission date are not initialed by the Borrower.
          
VNINEOG0TGD
xxxxxxx
25639653
xxxxxxx
Cash Out
Primary
2005-09-13
California
$150,000.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
3: Curable
3DFC7277-A463-4A4D-89E4-89F75B83B8A6
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
VNINEOG0TGD
xxxxxxx
25639653
xxxxxxx
Cash Out
Primary
2005-09-13
California
$150,000.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
ED861C0D-4C38-44FF-8870-0F156E2F3717
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Penalty Rider to the Mortgage and the Note contains prepayment penalty terms for the first 36 months. A Prepayment Feature Acknowledgment was provided on page 772.
          
MUGGYSJOSJC
xxxxxxx
25639793
xxxxxxx
Cash Out
Primary
2005-10-04
California
$296,000.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
2: Acceptable with Warnings
64E7754B-DE9E-472A-9703-437BCBBD2EA4
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
MUGGYSJOSJC
xxxxxxx
25639793
xxxxxxx
Cash Out
Primary
2005-10-04
California
$296,000.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
C662FD83-FCAE-4693-A0DA-69EBF5436A4C
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan file did not contain an ARM rider.
          
MUGGYSJOSJC
xxxxxxx
25639793
xxxxxxx
Cash Out
Primary
2005-10-04
California
$296,000.00
Reviewed with Exceptions
2/24/2019
Credit
Underwriting
Active
2/24/2019
3: Curable
824742ED-64EC-4185-B580-EF0B8B340F18
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file did not contain a 1008.
          
MUGGYSJOSJC
xxxxxxx
25639793
xxxxxxx
Cash Out
Primary
2005-10-04
California
$296,000.00
Reviewed with Exceptions
2/24/2019
Credit
Credit
Active
2/24/2019
3: Curable
E50965E0-AA1F-433A-88D3-069504EFAF81
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file did not contain the final loan application.
          
NUKXNDIKDKP
xxxxxxx
25640070
xxxxxxx
Cash Out
Primary
2005-11-16
California
$383,000.00
Reviewed with Exceptions
2/23/2019
Credit
Underwriting
Active
2/23/2019
3: Curable
CE58E96F-D4A2-415F-8914-1804681B7DA1
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file did not contain a 1008.
          
NUKXNDIKDKP
xxxxxxx
25640070
xxxxxxx
Cash Out
Primary
2005-11-16
California
$383,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
3E8F7BC0-4382-472C-852D-1998B2E7383E
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
NUKXNDIKDKP
xxxxxxx
25640070
xxxxxxx
Cash Out
Primary
2005-11-16
California
$383,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
3: Curable
DACDBD1C-A3C9-4278-914F-7D784C303322
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was an ARM.
          
NUKXNDIKDKP
xxxxxxx
25640070
xxxxxxx
Cash Out
Primary
2005-11-16
California
$383,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
3F8FCC5E-A20A-485F-A5EE-F047571844AD
ROR Transaction date not consistent with Note and/
* ROR Transaction date not consistent with Note and/or HUD (Lvl 3)
ROR transaction date 12/8/2005, Note date 11/xx/2005, HUD settlement date 12/xx/2005.
          
NUKXNDIKDKP
xxxxxxx
25640070
xxxxxxx
Cash Out
Primary
2005-11-16
California
$383,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
3CD1273B-AD1D-4675-852A-9A6C8D439055
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Rider.
          
NUKXNDIKDKP
xxxxxxx
25640070
xxxxxxx
Cash Out
Primary
2005-11-16
California
$383,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
D79D353A-57DE-4B0E-93DB-E1D4F9A376AB
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain a Notice of Servicing Transfer.
          
YSF5NCCWBK5
xxxxxxx
25640402
xxxxxxx
Cash Out
Primary
2006-01-06
Arizona
$192,000.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
FF1A76F4-C7AD-4741-9417-B740D1627C8D
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file is missing the mortgage prepayment rider.
          
YSF5NCCWBK5
xxxxxxx
25640402
xxxxxxx
Cash Out
Primary
2006-01-06
Arizona
$192,000.00
Reviewed with Exceptions
2/24/2019
Credit
Doc Issue
Active
2/24/2019
3: Curable
D617FC87-599D-46CB-9F66-E85DE872C166
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file is missing the initial notice of servicing transfer.
          
YSF5NCCWBK5
xxxxxxx
25640402
xxxxxxx
Cash Out
Primary
2006-01-06
Arizona
$192,000.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
3: Curable
E315E551-D727-48AE-9C31-9B1D5D9E39C5
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file is missing the CHARM booklet.
          
YSF5NCCWBK5
xxxxxxx
25640402
xxxxxxx
Cash Out
Primary
2006-01-06
Arizona
$192,000.00
Reviewed with Exceptions
2/24/2019
Credit
Doc Issue
Active
2/24/2019
2: Acceptable with Warnings
26E4BB7A-FCDB-4FA9-80C1-AA339754E94E
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 2)
The loan file is missing the inital ARM pick-a-pay disclosure.
          
YSF5NCCWBK5
xxxxxxx
25640402
xxxxxxx
Cash Out
Primary
2006-01-06
Arizona
$192,000.00
Reviewed with Exceptions
2/24/2019
Credit
Underwriting
Active
2/24/2019
3: Curable
DD1185A1-067E-4817-A42E-FFDC18BF96BC
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the 1008.
          
WIDI5LKN5Q1
xxxxxxx
25640395
xxxxxxx
Cash Out
Primary
2006-01-05
California
$303,800.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
3: Curable
D1EF4D88-D9D6-40DB-B80E-4CEE681B8B7E
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
WIDI5LKN5Q1
xxxxxxx
25640395
xxxxxxx
Cash Out
Primary
2006-01-05
California
$303,800.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
A66FD982-5662-413F-9B41-F6EDCA3CC3CF
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The note has a prepayment penalty and the file is missing a prepayment penalty rider to the mortgage.
          
3JCEEMN3IVY
xxxxxxx
25640532
xxxxxxx
Cash Out
Primary
2006-01-30
Illinois
$180,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
FEAD1AC2-3105-4942-B321-A167ECDE5CE3
Settlement date is different from note date
* Settlement date is different from note date (Lvl 3)
The note and HUD-1 settlement date differ and the loan did not close in an escrow state.
          
3JCEEMN3IVY
xxxxxxx
25640532
xxxxxxx
Cash Out
Primary
2006-01-30
Illinois
$180,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
ACC11C7A-A1A6-4F72-957E-D2FD5140C62E
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The note has a prepayment penalty but the file is missing a prepayment rider to the mortgage.
          
3JCEEMN3IVY
xxxxxxx
25640532
xxxxxxx
Cash Out
Primary
2006-01-30
Illinois
$180,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
2: Acceptable with Warnings
71A4481F-274A-4EAB-8047-9C72E3D5E055
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
3JCEEMN3IVY
xxxxxxx
25640532
xxxxxxx
Cash Out
Primary
2006-01-30
Illinois
$180,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
3: Curable
7C3983FA-767F-4611-A8B9-EA6838ED186A
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
GJCTRVXXMBH
xxxxxxx
25640801
xxxxxxx
Cash Out
Primary
2006-03-07
California
$558,750.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
BC033CCA-C52A-4709-9769-4530B7966C44
Not all borrowers signed HUD
* Not all borrowers signed HUD (Lvl 3)
The loan file does not include the signature page of the HUD-1 Settlement Statement.
          
GJCTRVXXMBH
xxxxxxx
25640801
xxxxxxx
Cash Out
Primary
2006-03-07
California
$558,750.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
3: Curable
9385F9DC-6A66-4557-9C9A-9A3E2A9A2623
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file is missing the CHARM booklet as required.
          
GJCTRVXXMBH
xxxxxxx
25640801
xxxxxxx
Cash Out
Primary
2006-03-07
California
$558,750.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
4D4B1B28-94A1-4339-95B2-B0FDF1C5EF59
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan file is missing the ARM rider as required.
          
B4RILR1SO54
xxxxxxx
25641250
xxxxxxx
Cash Out
Primary
2006-04-26
California
$372,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
C8E95443-959E-4B01-8780-3BA40D4146EA
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Rider.
          
B4RILR1SO54
xxxxxxx
25641250
xxxxxxx
Cash Out
Primary
2006-04-26
California
$372,000.00
Reviewed with Exceptions
2/23/2019
Credit
Underwriting
Active
2/23/2019
3: Curable
9F31936C-0504-4606-A166-348F8E3EDEAA
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file did not contain a 1008.
          
B4RILR1SO54
xxxxxxx
25641250
xxxxxxx
Cash Out
Primary
2006-04-26
California
$372,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
3: Curable
5EC464C2-056F-4296-A917-41B904320ED1
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was an ARM.
          
B4RILR1SO54
xxxxxxx
25641250
xxxxxxx
Cash Out
Primary
2006-04-26
California
$372,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
79EB2C08-8F62-477C-9585-AB3D121B6BC3
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain a Notice of Servicing Transfer.
          
B4RILR1SO54
xxxxxxx
25641250
xxxxxxx
Cash Out
Primary
2006-04-26
California
$372,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
A570B76E-DB5A-41A6-8515-30639883699F
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
B4RILR1SO54
xxxxxxx
25641250
xxxxxxx
Cash Out
Primary
2006-04-26
California
$372,000.00
Reviewed with Exceptions
2/25/2019
Credit
Credit
Active
2/25/2019
3: Curable
F6B9412D-360E-4AA3-BD32-930702FF0D86
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing the Final 1003 application.
          
0VF4VVSJKC2
xxxxxxx
25641319
xxxxxxx
Cash Out
Primary
2006-05-05
Florida
$232,500.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
2: Acceptable with Warnings
37BEC52D-AD06-42C2-9A7F-800BE18EAB6A
Disclosure
* Missing initial TIL disclosure (Lvl 2)
The loan is missing the initial TIL and unable to test for timing of disclosure date.  The statute of limitations has expired downgraded based on Client Compliance Profile.
          
0VF4VVSJKC2
xxxxxxx
25641319
xxxxxxx
Cash Out
Primary
2006-05-05
Florida
$232,500.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
3: Curable
22BF72CC-C7CE-4287-8BE4-8495FFBCF888
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
0VF4VVSJKC2
xxxxxxx
25641319
xxxxxxx
Cash Out
Primary
2006-05-05
Florida
$232,500.00
Reviewed with Exceptions
2/24/2019
Credit
Doc Issue
Active
2/24/2019
3: Curable
F05C7809-B6B3-4DFD-8342-357F4227D0DB
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file is missing a good faith estimate of closing costs.
          
0VF4VVSJKC2
xxxxxxx
25641319
xxxxxxx
Cash Out
Primary
2006-05-05
Florida
$232,500.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
86D8A5B6-4F91-412F-8EF6-44C9448A221F
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The note has a prepayment penalty but the file is missing a prepayment penalty rider to the mortgage.
          
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/21/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
9DFF54FC-01B5-43E7-80E6-377679B1B337
Settlement date is different from note date
* Settlement date is different from note date (Lvl 3)
Settlement date 5/xx/2006, Note date 5/xx/2006.
          
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/21/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
44B26CA1-C67E-4926-823B-386A98D8ECC4
Good Faith Estimate missing or unexecuted
* Good Faith Estimate missing or unexecuted (Lvl 3)
The loan file did not contain a GFE.
          
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/21/2019
Credit
Doc Issue
Active
  
2: Acceptable with Warnings
72E2C60B-E206-4C46-90E0-903BD2696E2D
ROR not hand dated by borrower(s)
* ROR not hand dated by borrower(s) (Lvl 2)
            
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/21/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
1AF355E4-0ACE-4107-86FB-A403021C180E
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain a Notice of Servicing Transfer.
          
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/21/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
D8367C06-3601-4CDB-B1F6-BFC04A7EDE62
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/21/2019
Credit
Underwriting
Active
2/22/2019
3: Curable
FA37DC79-3EAD-45BD-B11D-EDA37098240A
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file did not contain a 1008.
          
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/21/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
A49532AF-6621-4620-97F6-F4A7A4021A39
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Rider.
          
UQI3IGANXPO
xxxxxxx
25641427
xxxxxxx
Cash Out
Primary
2006-05-18
New Jersey
$183,750.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
09EED790-4AB6-4A30-88F8-131F6D3EA38E
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was an ARM.
          
G2BJQLAZNRF
xxxxxxx
25637265
xxxxxxx
Cash Out
Primary
2003-05-14
California
$339,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Resolved
2/23/2019
Resolved
753FC963-6228-4E6D-90B9-2254ACBFFA3F
HUD-1 Closing Statement missing or unsigned
* HUD-1 Closing Statement missing or unsigned (Lvl R)
The HUD1 Settlement Statement is missing from the loan file.  The Estimated Settlement Statement was utilized for the points and fees test.
          
G2BJQLAZNRF
xxxxxxx
25637265
xxxxxxx
Cash Out
Primary
2003-05-14
California
$339,500.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
979742C2-C3AD-46FE-82F3-F3FA427F4D33
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file is missing the Prepayment Rider to the Mortgage and the Note reflects a Prepayment Penalty.
          
G2BJQLAZNRF
xxxxxxx
25637265
xxxxxxx
Cash Out
Primary
2003-05-14
California
$339,500.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Resolved
2/23/2019
Resolved
B7C10B46-6A2E-4BD2-BC13-7BF415F87183
ROR Transaction date not consistent with Note and/
* ROR Transaction date not consistent with Note and/or HUD (Lvl R)
The subject is in an escrow state.
          
SYN1EYNZRAE
xxxxxxx
25637321
xxxxxxx
Refinance
Primary
2003-07-21
California
$210,350.00
Reviewed with Exceptions
2/23/2019
Credit
Credit
Active
2/23/2019
3: Curable
ECDE7FE7-D318-45FF-BF5C-314EB8C26E8E
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing the final loan application.
          
SYN1EYNZRAE
xxxxxxx
25637321
xxxxxxx
Refinance
Primary
2003-07-21
California
$210,350.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
2: Acceptable with Warnings
C0F3FBB0-B4AB-4B14-8015-7DBC37BF369F
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $195,995.49. The disclosed finance charge of $193,262.80 is not considered accurate because it is understated by more than $100.
This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $195,995.49. The disclosed finance charge of $193,262.80 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The TILA Finance Charge loan data is $193,262.80 and the comparison data is $195,995.49 for an under-disclosed amount of $2732.69.  The statute of limitations has expired; downgraded based on Client Compliance Profile.
          
SYN1EYNZRAE
xxxxxxx
25637321
xxxxxxx
Refinance
Primary
2003-07-21
California
$210,350.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
005193A3-147D-474E-A760-06919FC741D7
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file is missing the Prepayment Rider to the Mortgage and the Note confirms a Prepayment Penalty.
          
1UPHQFCXJ3F
xxxxxxx
25637841
xxxxxxx
Cash Out
Primary
2004-07-14
California
$225,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
3: Curable
9C546A11-2116-4249-8CC4-53A7A2D86A82
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was an ARM.
          
1UPHQFCXJ3F
xxxxxxx
25637841
xxxxxxx
Cash Out
Primary
2004-07-14
California
$225,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
F6568AB1-2253-447E-BBAC-734EC628719F
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
1UPHQFCXJ3F
xxxxxxx
25637841
xxxxxxx
Cash Out
Primary
2004-07-14
California
$225,000.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
40E06E2B-C459-4AC4-9199-1CE6C5751482
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain a Notice of Servicing Transfer.
          
1UPHQFCXJ3F
xxxxxxx
25637841
xxxxxxx
Cash Out
Primary
2004-07-14
California
$225,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
39383A79-3608-4310-99C7-A2ABB40D12D9
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Rider.
          
1UPHQFCXJ3F
xxxxxxx
25637841
xxxxxxx
Cash Out
Primary
2004-07-14
California
$225,000.00
Reviewed with Exceptions
2/25/2019
Credit
Credit
Active
2/25/2019
3: Curable
895D3399-20EA-47CB-A69B-72124D176314
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing the Final 1003 application.
          
1UPHQFCXJ3F
xxxxxxx
25637841
xxxxxxx
Cash Out
Primary
2004-07-14
California
$225,000.00
Reviewed with Exceptions
2/23/2019
Credit
Underwriting
Active
2/23/2019
3: Curable
CAF0514A-3DC1-441E-91CA-B8F0E18A7AC7
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file did not contain a 1008.
          
K2KB2V51HWR
xxxxxxx
25639241
xxxxxxx
Cash Out
Primary
2005-07-11
California
$270,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
80D12A44-428B-4EB2-9BF7-83607F1B6E1C
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The prepayment rider is not found in the file and there is a prepayment penalty on the note.
          
K2KB2V51HWR
xxxxxxx
25639241
xxxxxxx
Cash Out
Primary
2005-07-11
California
$270,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
5ABBBC24-DE75-43DF-8EA6-AB073AE1EF51
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The ARM rider is not found in the file and per the original note the loan is an ARM.
          
K2KB2V51HWR
xxxxxxx
25639241
xxxxxxx
Cash Out
Primary
2005-07-11
California
$270,000.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
03B3E08C-2C48-4C07-8829-85B3DB0730A8
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
K2KB2V51HWR
xxxxxxx
25639241
xxxxxxx
Cash Out
Primary
2005-07-11
California
$270,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
06B77CF9-55B6-4DCC-9C08-27C59BE29D09
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
K2KB2V51HWR
xxxxxxx
25639241
xxxxxxx
Cash Out
Primary
2005-07-11
California
$270,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
21D03B58-36EE-4259-9FFE-ADC14A4DAAF6
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The Notice of Servicing Transfer is not found in the file.
          
TTWGYUHSZDA
xxxxxxx
25638762
xxxxxxx
Cash Out
Primary
2005-04-06
California
$310,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
F788270A-D1C8-4F49-91D5-1CCD3772638B
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
TTWGYUHSZDA
xxxxxxx
25638762
xxxxxxx
Cash Out
Primary
2005-04-06
California
$310,000.00
Reviewed with Exceptions
2/22/2019
Legal Docs
Doc Issue
Active
2/22/2019
3: Curable
E29A42E0-1316-406E-B043-D06946F91096
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain the PPP Rider.
          
TTWGYUHSZDA
xxxxxxx
25638762
xxxxxxx
Cash Out
Primary
2005-04-06
California
$310,000.00
Reviewed with Exceptions
2/22/2019
Compliance
Compliance
Active
2/22/2019
3: Curable
856B43CA-A6C4-475D-B385-9F120D486DB6
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
TTWGYUHSZDA
xxxxxxx
25638762
xxxxxxx
Cash Out
Primary
2005-04-06
California
$310,000.00
Reviewed with Exceptions
2/22/2019
Credit
Doc Issue
Active
2/22/2019
3: Curable
5D32FD2C-FD2E-4478-A996-11A61E66932E
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The loan file did not contain the Notice of Servicing Transfer.
          
XTG0LMOWZ3Y
xxxxxxx
25639728
xxxxxxx
Cash Out
Primary
2005-09-23
California
$250,000.00
Reviewed with Exceptions
2/25/2019
Credit
Credit
Active
2/25/2019
3: Curable
EA94685A-0BBD-410B-902A-088B753ED718
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file did not contain the final 1003.
          
XTG0LMOWZ3Y
xxxxxxx
25639728
xxxxxxx
Cash Out
Primary
2005-09-23
California
$250,000.00
Reviewed with Exceptions
2/25/2019
Legal Docs
Doc Issue
Active
2/25/2019
3: Curable
0BA1104E-22FF-40A1-A3B4-ECAA2DA9C322
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan file did not contain the ARM rider to the mortgage.
          
PKCRBSTWRXI
xxxxxxx
25639900
xxxxxxx
Refinance
Primary
2005-10-18
California
$412,500.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
3: Curable
2F3437A2-E881-4E54-934F-4F6BB5688932
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The loan file did not contain the CHARM Booklet and loan was ARM.
          
PKCRBSTWRXI
xxxxxxx
25639900
xxxxxxx
Refinance
Primary
2005-10-18
California
$412,500.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
5AF884BB-B8B1-4FAF-8252-4CCB48BD4B19
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The Notice of Servicing Transfer is not found in the file.
          
PKCRBSTWRXI
xxxxxxx
25639900
xxxxxxx
Refinance
Primary
2005-10-18
California
$412,500.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
C1877CFD-F3F3-47C1-A3B3-B402A5B31A0B
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The prepayment rider is not found in the file and per the original note there is a prepayment penalty.
          
PKCRBSTWRXI
xxxxxxx
25639900
xxxxxxx
Refinance
Primary
2005-10-18
California
$412,500.00
Reviewed with Exceptions
2/23/2019
Credit
Doc Issue
Active
2/23/2019
3: Curable
DD3A6664-297F-4360-8A30-FC327DC1630D
Loan program disclosure missing or unexecuted
* Loan program disclosure missing or unexecuted (Lvl 3)
The loan file did not contain the loan program disclosure; loan was NegAm ARM with PPP.
          
ITJCSUGZ5V0
xxxxxxx
25640118
xxxxxxx
Cash Out
Primary
2005-11-21
California
$360,000.00
Reviewed with Exceptions
2/24/2019
Credit
Credit
Active
2/24/2019
3: Curable
7A0C6339-86EA-408C-A81F-411A3D4D0782
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The final 1003 is missing.
          
ITJCSUGZ5V0
xxxxxxx
25640118
xxxxxxx
Cash Out
Primary
2005-11-21
California
$360,000.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
68622ECA-43CD-4799-969D-1D64F134120E
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The prepayment rider is missing from the mortgage.
          
ITJCSUGZ5V0
xxxxxxx
25640118
xxxxxxx
Cash Out
Primary
2005-11-21
California
$360,000.00
Reviewed with Exceptions
2/24/2019
Credit
Underwriting
Active
2/24/2019
3: Curable
D2C25134-AE68-4F6E-858C-7A449866A4A6
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The 1008 is missing from the loan file.
          
21V3TKHUYIK
xxxxxxx
25640829
xxxxxxx
Cash Out
Primary
2006-03-10
California
$199,500.00
Reviewed with Exceptions
2/25/2019
Legal Docs
Doc Issue
Active
2/25/2019
3: Curable
4C8F60F6-B8D3-4140-BCCD-9E25635FA10C
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain the PPP Rider.
          
Y0QDTVGPHXF
xxxxxxx
25641106
xxxxxxx
Cash Out
Primary
2006-04-11
California
$380,000.00
Reviewed with Exceptions
2/23/2019
Credit
Underwriting
Active
2/23/2019
3: Curable
F1ED0357-6E87-4CD7-B840-613F0E92F8BF
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The loan file is missing the 1008.
          
Y0QDTVGPHXF
xxxxxxx
25641106
xxxxxxx
Cash Out
Primary
2006-04-11
California
$380,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
DD0192FC-741A-46A0-A846-7492EE331021
Not all borrowers signed HUD
* Not all borrowers signed HUD (Lvl 3)
The signature page of the HUD is missing from the loan file.
          
Y0QDTVGPHXF
xxxxxxx
25641106
xxxxxxx
Cash Out
Primary
2006-04-11
California
$380,000.00
Reviewed with Exceptions
2/23/2019
Legal Docs
Doc Issue
Active
2/23/2019
3: Curable
33B158FE-B433-4C27-9051-E4468A014D35
Mortgage - Missing required ARM Rider
* Mortgage - Missing required ARM Rider (Lvl 3)
The loan file is missing the ARM rider as required on ARM notes.
          
Y0QDTVGPHXF
xxxxxxx
25641106
xxxxxxx
Cash Out
Primary
2006-04-11
California
$380,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
3: Curable
7F818C80-492D-4F13-9E23-872ED64DAF41
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 3)
The CHARM booklet is missing from the loan file and is required on ARMs.
          
Y0QDTVGPHXF
xxxxxxx
25641106
xxxxxxx
Cash Out
Primary
2006-04-11
California
$380,000.00
Reviewed with Exceptions
2/23/2019
Compliance
Compliance
Active
2/23/2019
2: Acceptable with Warnings
1D3BE94D-5B87-467F-BA8F-20EAD231E9E5
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $465,831.43. The disclosed finance charge of $396,478.92 is not considered accurate because it is understated by more than $100. TILA finance charge loan data is $396,478.92 and comparison data is $465,831.43 for an under disclosed amount of $69,352.51. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $465,831.43. The disclosed finance charge of $396,478.92 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. This loan failed the TILA APR test. ( 12 CFR §1026.22(a)(2), (4) , transferred from 12 CFR §226.22(a)(2), (4) ) The annual percentage rate (APR) is 6.225%. The disclosed APR of 5.228% is not considered accurate because it is more than 1/8 of 1 percentage point above or below the APR as determined in accordance with the actuarial method. A difference of .997%. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
Y0QDTVGPHXF
xxxxxxx
25641106
xxxxxxx
Cash Out
Primary
2006-04-11
California
$380,000.00
Reviewed with Exceptions
2/23/2019
Credit
Credit
Active
2/23/2019
3: Curable
35FA6B10-3E16-4BBA-814E-4FD91AED834F
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The loan file is missing the final 1003.
          
CB24SIR1XQ4
xxxxxxx
25640959
xxxxxxx
Cash Out
Primary
2006-03-23
Florida
$120,000.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
FF4719F1-D394-4243-A75B-B6A6C6A38B1B
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file is missing the Prepayment Rider to the Mortgage and the Note reflects a Prepayment Penalty.
          
Q03HGMGWRR3
xxxxxxx
25641086
xxxxxxx
Cash Out
Primary
2006-04-07
California
$160,000.00
Reviewed with Exceptions
2/25/2019
Legal Docs
Doc Issue
Active
2/25/2019
3: Curable
4BE6B677-7F2D-4FA7-9AB3-F92456EF10F4
Not all borrowers signed HUD
* Not all borrowers signed HUD (Lvl 3)
The subject property is located in an Escrow State and the Final HUD-1 is not executed by the Borrowers or stamped "True and Certified" by the settlement agent.
          
Q03HGMGWRR3
xxxxxxx
25641086
xxxxxxx
Cash Out
Primary
2006-04-07
California
$160,000.00
Reviewed with Exceptions
2/25/2019
Legal Docs
Doc Issue
Active
2/25/2019
3: Curable
6695A42C-8873-4FE6-BBA5-117E69A01989
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The loan file did not contain a Prepayment Penalty Rider to the Mortgage and the Note contains prepayment penalty terms for the first 36 months. A Prepayment Feature Acknowledgment was provided on page 760.
          
Q03HGMGWRR3
xxxxxxx
25641086
xxxxxxx
Cash Out
Primary
2006-04-07
California
$160,000.00
Reviewed with Exceptions
2/25/2019
Compliance
Compliance
Active
  
2: Acceptable with Warnings
9D0C5D45-B82C-4920-A1F8-4B7F42F0DC42
Disclosures
* Consumer Handbook on Adjustable Rate Mortgages (CHARM Booklet) (Lvl 2)
            
Q03HGMGWRR3
xxxxxxx
25641086
xxxxxxx
Cash Out
Primary
2006-04-07
California
$160,000.00
Reviewed with Exceptions
2/25/2019
Valuation
Doc Issue
Active
2/25/2019
3: Curable
51628A74-A336-4CA6-8134-4827DE0DDD11
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file does not contain a full appraisal for the subject transaction. Two Desk Reviews were provided on pages 42 and 1144, which reflect the original value as $xxx and final value as $xxx.
          
033YGOYIDXN
xxxxxxx
25641196
xxxxxxx
Purchase
Primary
2006-04-20
California
$244,745.00
Reviewed with Exceptions
2/24/2019
Compliance
Compliance
Active
2/24/2019
2: Acceptable with Warnings
14236368-3A17-4F32-960D-C17B8738FC8F
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the initial TIL disclosure date test due to one of the following: ( 12 CFR §1026.17(b),1026.19(a) , transferred from 12 CFR §226.17(b) , 226.19(a) , as amended in 2009). The initial TIL disclosure date is not later than the seventh business day (counting all calendar days except Sunday and specified legal public holidays) before consummation of the transaction. The initial1003 wa dated 2/13/2006; however, the disclosures were dated either 3/22/2006 or 3/23/2006. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
033YGOYIDXN
xxxxxxx
25641196
xxxxxxx
Purchase
Primary
2006-04-20
California
$244,745.00
Reviewed with Exceptions
2/24/2019
Credit
Credit
Active
2/24/2019
3: Curable
97351FFC-80B1-418D-89E5-D93C440CB959
Final 1003 is Missing
* Final 1003 is Missing (Lvl 3)
The Final 1003 is missing.
          
033YGOYIDXN
xxxxxxx
25641196
xxxxxxx
Purchase
Primary
2006-04-20
California
$244,745.00
Reviewed with Exceptions
2/24/2019
Credit
Credit
Active
2/24/2019
3: Curable
1874058C-26F8-4241-AF23-87FD9F8CF48C
Special information booklet is Missing
* Special information booklet is Missing (Lvl 3)
The subject loan is a purchase; however, the Special Information booklet is missing.
          
033YGOYIDXN
xxxxxxx
25641196
xxxxxxx
Purchase
Primary
2006-04-20
California
$244,745.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
27116CC3-5063-49C2-A078-B2D8B5F9F6B2
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The prepayment rider to the mortgage is missing.
          
C5DOZ5TYYW1
xxxxxxx
25641148
xxxxxxx
Cash Out
Primary
2006-04-14
California
$300,000.00
Reviewed with Exceptions
2/24/2019
Legal Docs
Doc Issue
Active
2/24/2019
3: Curable
0B2FF526-4F8E-4BDF-A2D6-9DD980D1DF91
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The prepayment rider was not found in the file and the original note has a prepayment penalty.
          
QUBG1CLG2NR
xxxxxxx
25645844
xxxxxxx
Cash Out
Primary
2007-05-07
New Jersey
$323,000.00
Reviewed with Exceptions
2/25/2019
Compliance
Compliance
Active
2/25/2019
2: Acceptable with Warnings
893BD440-2926-41C1-8417-C19AAC435C0A
ComplianceEase TILA Test Failed
* ComplianceEase TILA Test Failed (Lvl 2)
This loan failed the TILA finance charge test.( 12 CFR §1026.18(d)(1) , transferred from 12 CFR §226.18(d)(1) ) The finance charge is $568,785.93. The disclosed finance charge of $500,133.61 is not considered accurate because it is understated by more than $100. This loan failed the TILA rescission finance charge test.( 12 CFR §1026.23(g)(1) , transferred from 12 CFR §226.23(g)(1) ) The finance charge is $568,785.93. The disclosed finance charge of $500,133.61 is not considered accurate for purposes of rescission because it is understated by more than 1/2 of 1 percent of the face amount of the note or $100, whichever is greater. The loan data reflects $500,1331.61 whereas the comparison data reflects $568,785.93 resulting in an under disclosed amount of $68,652.32. The statute of limitations has expired downgraded based on Client Compliance Profile.
          
QUBG1CLG2NR
xxxxxxx
25645844
xxxxxxx
Cash Out
Primary
2007-05-07
New Jersey
$323,000.00
Reviewed with Exceptions
2/25/2019
Legal Docs
Doc Issue
Active
2/25/2019
3: Curable
FA09D5BA-1B04-4B37-B1E0-50B9F2C6EF45
Prepayment Rider Missing
* Prepayment Rider Missing (Lvl 3)
The prepayment rider to the mortgage is missing.
          
QUBG1CLG2NR
xxxxxxx
25645844
xxxxxxx
Cash Out
Primary
2007-05-07
New Jersey
$323,000.00
Reviewed with Exceptions
2/25/2019
Credit
Underwriting
Active
2/25/2019
3: Curable
F77AAF51-60B7-438C-A792-676FB1980CDC
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The 1008 is missing from the loan file.
          
QUBG1CLG2NR
xxxxxxx
25645844
xxxxxxx
Cash Out
Primary
2007-05-07
New Jersey
$323,000.00
Reviewed with Exceptions
2/25/2019
Valuation
Doc Issue
Active
2/25/2019
3: Curable
711099F6-DC1D-481F-9152-A69E51F3FBED
Missing Appraisal
* Missing Appraisal (Lvl 3)
The appraisal is missing. The appraised value and the appraisal date was obtained from the Application/Commitment Recap on page 139.
          
MWPSHKC3OE5
xxxxxxx
23651534
xxxxxxx
Cash Out
Primary
2007-07-02
Florida
$129,360.00
Reviewed with Exceptions
9/14/2018
Credit
Underwriting
Active
9/14/2018
3: Curable
287522C0-8101-4A17-9702-EE0B9966DB8E
Transmittal (1008) is Missing
* Transmittal (1008) is Missing (Lvl 3)
The 1008 is missing from the loan file.
          
MWPSHKC3OE5
xxxxxxx
23651534
xxxxxxx
Cash Out
Primary
2007-07-02
Florida
$129,360.00
Reviewed with Exceptions
9/14/2018
Credit
Doc Issue
Active
9/14/2018
3: Curable
44EAD77D-D411-4A73-9931-00F37746C1E5
Notice of Servicing Transfer missing or unexecuted
* Notice of Servicing Transfer missing or unexecuted (Lvl 3)
The Servicing Transfer Disclosure is missing from the loan file.
          
MWPSHKC3OE5
xxxxxxx
23651534
xxxxxxx
Cash Out
Primary
2007-07-02
Florida
$129,360.00
Reviewed with Exceptions
9/14/2018
Credit
Other Disclosures
Active
9/14/2018
3: Curable
E524905C-5066-4472-A865-665D3CAB863C
State Specific Disclosure
* State Specific Disclosure (Lvl 3)
The following required state disclosure was missing from the loan file:  FL Mortgage Loan Commitment.
          
EXRFP0G0EFY
xxxxxxx
23651551
xxxxxxx
Refinance
Primary
2006-01-24
Massachusetts
$278,500.00
Reviewed with Exceptions
9/17/2018
Credit
Doc Issue
Active
9/17/2018
3: Curable
7FA6EE83-F07F-4495-A4D2-B060D3D053D8
HUD-1 Closing Statement missing or unsigned
* HUD-1 Closing Statement missing or unsigned (Lvl 3)
The loan file did not include the HUD and no alternative documents were available to complete the compliance ease.
          
EXRFP0G0EFY
xxxxxxx
23651551
xxxxxxx
Refinance
Primary
2006-01-24
Massachusetts
$278,500.00
Reviewed with Exceptions
9/17/2018
Credit
Doc Issue
Active
9/17/2018
3: Curable
7E19811D-19BB-40BD-9A56-30AF4DCB8A7A
Right of Rescission missing or unexecuted
* Right of Rescission missing or unexecuted (Lvl 3)
The loan file did not contain a ROR
          
EXRFP0G0EFY
xxxxxxx
23651551
xxxxxxx
Refinance
Primary
2006-01-24
Massachusetts
$278,500.00
Reviewed with Exceptions
9/17/2018
Credit
Other Disclosures
Active
9/17/2018
3: Curable
78F8C778-69D2-4087-99E9-E801BFB2D8CA
State Specific Disclosure
* State Specific Disclosure (Lvl 3)
The loan file did not contain MA Addendum to Loan application/Attorney disclosure, MA License disclosure, MA flood Insurance Notice, MA Insurance Disclosure, MA License disclosure, MA Mortgage Loan Originator License disclosure, MA Mortgage Loan Rate Lock Commitment.
          
EXRFP0G0EFY
xxxxxxx
23651551
xxxxxxx
Refinance
Primary
2006-01-24
Massachusetts
$278,500.00
Reviewed with Exceptions
9/17/2018
Valuation
Doc Issue
Active
9/18/2018
3: Curable
CE20813C-898F-4B8F-823C-34DEC05F0787
Missing Appraisal
* Missing Appraisal (Lvl 3)
The loan file did not contain the Appraisal