Seller

ALT ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXXXXXXX

20250304006

Closed

2024-11-18 15:37

2024-12-03 14:58

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Lender provided lease and deposit check for the departure residence which were also provided in the loan file.  Rental income is now being used to offset the PITI and resulting DTI is within guidelines.  Condition cleared.  - Due Diligence Vendor-12/03/2024 Resolved-Audited DTI of 32.82% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-12/03/2024 Ready for Review-Document Uploaded.  (Lease for departing residence) - Due Diligence Vendor-11/27/2024 Escalated-Escalated for Investor review. - Due Diligence Vendor-11/27/2024 Counter-Lender requested DTI details.  The audit income and debts match the lender's 1008.  The loan was approved at a DTI of 43.85% which exceeds the lender guidelines maximum DTI of 43%.  Condition remains.   - Due Diligence Vendor-11/26/2024 Ready for Review-UW qualifying DTI is supported. Please provide a detailed income/liability calculation that increases DTI by more than 10%. - Seller-11/25/2024 Open-Audited DTI of 43.85% exceeds Guideline DTI of 43% Loan was approved with DTI 43.85%, which exceeds the maximum allowable DTI of 43%. No exception in file.  - Due Diligence Vendor-11/18/2024

Ready for Review-UW qualifying DTI is supported. Please provide a detailed income/liability calculation that increases DTI by more than 10%. - Seller-11/25/2024

Resolved-Lender provided lease and deposit check for the departure residence which were also provided in the loan file.  Rental income is now being used to offset the PITI and resulting DTI is within guidelines.  Condition cleared.  - Due Diligence Vendor-12/03/2024  Resolved-Audited DTI of 32.82% is less than or equal to Guideline DTI of 43% - Due Diligence Vendor-12/03/2024

XXXXXXXXX_XXXXXX_rental.pdf

XX

Primary Residence

Purchase

NA

2830014

N/A

N/A

XXXXXXXXX

20250304006

Closed

2024-11-21 19:47

2024-12-03 14:58

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements

Resolved-Lender provided lease and deposit check for the departure residence which were also provided in the loan file.  Rental income is now being used to offset the PITI and resulting DTI is within guidelines.  Condition cleared.  - Due Diligence Vendor-12/03/2024 Open-ATR Risk - Qualifying Monthly DTI Ratio and/or Residual Income taken into consideration do not meet requirements  Loan was approved with DTI 43.85%, which exceeds the maximum allowable DTI of 43%. No exception in file.  - Due Diligence Vendor-11/21/2024

Resolved-Lender provided lease and deposit check for the departure residence which were also provided in the loan file.  Rental income is now being used to offset the PITI and resulting DTI is within guidelines.  Condition cleared.  - Due Diligence Vendor-12/03/2024

XX

Primary Residence

Purchase

NA

2859498

N/A

N/A

XXXXXXXXX

20250304006

Closed

2024-11-18 14:02

2024-12-02 14:25

Resolved

1 - Information

Credit

Missing Doc

Title Document Missing

Resolved-Lender provided title commitment.  Condition cleared. - Due Diligence Vendor-12/02/2024 Resolved-Title Document is not Missing - Due Diligence Vendor-12/02/2024 Ready for Review-Document Uploaded. Title report uploaded - Buyer-11/27/2024 Open-Title Document is missing - Due Diligence Vendor-11/18/2024

Resolved-Lender provided title commitment.  Condition cleared. - Due Diligence Vendor-12/02/2024  Resolved-Title Document is not Missing - Due Diligence Vendor-12/02/2024

XXXXXXXXX_XXXXXX_title.pdf

XX

Primary Residence

Purchase

NA

2828794

N/A

N/A

XXXXXXXXX

20250304036

Closed

2024-11-18 17:14

2024-11-26 19:33

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-11/26/2024 Ready for Review-Document Uploaded. Please see attached. - Buyer-11/25/2024 Open-Subject located in a Dry fund state. Missing a post-closing closing disclosure or a certified final ALTA Settlement Statement to confirm the figures on the most recent closing disclosure have not changed. - Due Diligence Vendor-11/18/2024

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-11/26/2024

XXXXXXXXX_XXXXXX_PCCD.pdf

XX

Primary Residence

Purchase

NA

2831496

N/A

N/A

XXXXXXXXX

20250304044

Closed

2025-02-19 16:43

2025-02-19 16:43

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/19/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-02/19/2025

XX

Primary Residence

Purchase

NA

3446947

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304019

Closed

2024-11-26 19:12

2025-02-21 22:48

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/21/2025 Resolved-Borrower 1 Credit Report received.  Debts validated.  Condition Resolved. - Due Diligence Vendor-12/11/2024 Ready for Review-Document Uploaded.  - Seller-12/11/2024 Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-11/26/2024

Ready for Review-Document Uploaded.  - Seller-12/11/2024

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-02/21/2025  Resolved-Borrower 1 Credit Report received.  Debts validated.  Condition Resolved. - Due Diligence Vendor-12/11/2024

XXXXXXXXX CR.pdf

XX

Primary Residence

Purchase

NA

2889047

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304019

Closed

2024-11-26 19:12

2025-02-21 22:48

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/21/2025 Resolved-Credit Report received.  Debts confirmed.  Condition Resolved. - Due Diligence Vendor-12/11/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Loan file is missing a credit report to confirm the monthly consumer debt obligations.  - Due Diligence Vendor-11/26/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-02/21/2025  Resolved-Credit Report received.  Debts confirmed.  Condition Resolved. - Due Diligence Vendor-12/11/2024

XX

Primary Residence

Purchase

NA

2889048

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304019

Closed

2024-11-25 18:08

2025-01-06 21:50

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2024

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2878584

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304018

Closed

2024-12-11 17:38

2025-01-30 19:28

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/30/2025 Resolved-Evidence of Subject Property Taxes received.  Condition Resolved. - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-ATR Risk - Monthly HOI, Taxes, Assessment payments do not meet requirements Missing verification of subject property tax amount - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-ATR Risk - Monthly HOI, Taxes, Assessment payments meet requirements - Due Diligence Vendor-01/30/2025  Resolved-Evidence of Subject Property Taxes received.  Condition Resolved. - Due Diligence Vendor-12/19/2024

Taxes.pdf

XX

Primary Residence

Purchase

NA

2983126

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304018

Closed

2024-12-11 17:41

2024-12-19 17:43

Resolved

1 - Information

Credit

Missing Doc

Evidence of Property Tax Missing

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-Missing verification of subject property tax amount. - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-Evidence of Property Tax is present - Due Diligence Vendor-12/19/2024

Taxes.pdf

XX

Primary Residence

Purchase

NA

2983183

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304014

Closed

2024-12-10 14:59

2024-12-18 17:01

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received the Initial Loan Estimate dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/18/2024 Resolved-Resolved - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The initial Loan Estimate is dated XX/XX/XXXX and the application date is XX/XX/XXXX - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Received the Initial Loan Estimate dated XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-12/18/2024  Resolved-Resolved - Due Diligence Vendor-12/18/2024

XXXXXX XXXXXXXXX response.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2970346

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304014

Closed

2024-12-10 14:59

2024-12-18 17:00

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received verification the doc was provided at application. Condition cleared. - Due Diligence Vendor-12/18/2024 Resolved-Resolved - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Received verification the doc was provided at application. Condition cleared. - Due Diligence Vendor-12/18/2024  Resolved-Resolved - Due Diligence Vendor-12/18/2024

XXXXXX XXXXXXXXX response.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2970345

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304014

Closed

2024-12-11 18:49

2024-12-11 20:02

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2984450

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304030

Closed

2024-12-10 15:42

2025-01-15 13:54

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided complete Fraud Report.  Condition cleared.  - Due Diligence Vendor-01/15/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded.  - Seller-01/14/2025 Open-Missing Third Party Fraud Report The file is missing a third-party fraud report, only received a partial report. Please provide fraud report with all interest parties with exclusionary list along with any supporting document based on fraud report findings. Additional conditions may apply. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-01/14/2025

Resolved-Lender provided complete Fraud Report.  Condition cleared.  - Due Diligence Vendor-01/15/2025  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2025

XXXXXXXXX DataVerify PASS.pdf

XX

Second Home

Purchase

NA

2971012

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304039

Closed

2025-02-11 13:11

2025-02-11 13:11

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-02/11/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-02/11/2025

XX

Primary Residence

Purchase

NA

3394586

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304039

Closed

2024-12-06 19:37

2025-01-15 13:57

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided complete Fraud Report.  Condition cleared.  - Due Diligence Vendor-01/15/2025 Resolved-Received exclusionary lists. Condition cleared. - Due Diligence Vendor-12/18/2024 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-12/06/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Lender provided complete Fraud Report.  Condition cleared.  - Due Diligence Vendor-01/15/2025  Resolved-Received exclusionary lists. Condition cleared. - Due Diligence Vendor-12/18/2024  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/18/2024

XXXX XXXXXXXXX LDP, GSA.pdf

XX

Primary Residence

Purchase

NA

2952655

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304039

Closed

2024-12-06 19:37

2025-01-15 13:56

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report Partially Provided

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded.  - Seller-01/14/2025 Open-Third Party Fraud Report Partially Provided - Due Diligence Vendor-12/06/2024

Ready for Review-Document Uploaded.  - Seller-01/14/2025

Resolved-Third Party Fraud Report is fully present - Due Diligence Vendor-01/15/2025

XXXXXXXXX DataVerify PASS.pdf

XX

Primary Residence

Purchase

NA

2952656

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304039

Closed

2024-12-11 20:14

2025-01-06 15:02

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Lender provided updated unexpired HOI policies for REO1 and REO2.  Condition cleared.   - Due Diligence Vendor-01/06/2025 Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/06/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of Insurance REO-1 & REO-2 both policies expired prior to closing date. - Due Diligence Vendor-12/11/2024

Resolved-Lender provided updated unexpired HOI policies for REO1 and REO2.  Condition cleared.   - Due Diligence Vendor-01/06/2025  Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2985730

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304039

Closed

2024-12-11 13:03

2025-01-06 15:00

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Insurance for REO

Resolved-Lender provided updated unexpired HOI policies for REO1 and REO2.  Condition cleared.   - Due Diligence Vendor-01/06/2025 Ready for Review-Document Uploaded.  - Seller-01/04/2025 Counter-PITIA for all other REOs must be verified to meet ATR and current monthly HOI expenses should be documented. - Due Diligence Vendor-12/23/2024 Ready for Review-The fact that the insurance is expired is not material since neither property is the subject property. - Seller-12/23/2024 Open-Missing Evidence of Insurance REO-1 & REO-2 both policies expired prior to closing date.  - Due Diligence Vendor-12/11/2024

The fact that the insurance is expired is not material since neither property is the subject property. - 12/23/2024 Ready for Review-Document Uploaded.  - Seller-01/04/2025  Ready for Review-The fact that the insurance is expired is not material since neither property is the subject property. - Seller-12/23/2024

Resolved-Lender provided updated unexpired HOI policies for REO1 and REO2.  Condition cleared.   - Due Diligence Vendor-01/06/2025

XXXX XXXXXXXXX Updated HOI.pdf

XX

Primary Residence

Purchase

NA

2979324

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304062

Closed

2024-12-11 15:23

2024-12-16 22:57

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-Acknowledged.  S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/16/2024 Open-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

Acknowledged-Acknowledged.  S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/16/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2980842

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304062

Closed

2024-12-11 13:40

2024-12-16 22:55

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/16/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/11/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/16/2024

XXXXXXXXX_RDA.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2979705

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304059

Closed

2024-11-21 14:51

2024-12-31 20:55

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/31/2024 Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value received.  Condition Resolved. - Due Diligence Vendor-12/09/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/21/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-12/31/2024  Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value received.  Condition Resolved. - Due Diligence Vendor-12/09/2024

XXXXXXXXX_RDA.pdf

XX

Primary Residence

Purchase

NA

2856033

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304059

Closed

2024-12-09 15:49

2024-12-26 20:44

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-12/26/2024 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.   - Due Diligence Vendor-12/09/2024

Acknowledged-This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-12/26/2024  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance.   - Due Diligence Vendor-12/09/2024

XX

Primary Residence

Purchase

NA

2960679

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304059

Closed

2024-11-20 19:32

2024-12-09 15:52

Resolved

1 - Information

Property

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded.  - Due Diligence Vendor-12/09/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-12/09/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-11/20/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-12/09/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-12/09/2024

XXXXXXXXX_RDA.pdf XXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

2851181

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304004

Closed

2024-12-10 18:11

2025-01-28 19:21

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/28/2025 Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/28/2025  Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2024

XX

Second Home

Purchase

NA

2973634

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304004

Closed

2024-12-10 18:54

2024-12-20 14:00

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD. Condition cleared.  - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-Final Closing Disclosure is missing or incomplete PCCD is required for dry funding state. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-Lender provided PCCD. Condition cleared.  - Due Diligence Vendor-12/20/2024

Closing Disclosure.pdf

XX

Second Home

Purchase

NA

2974213

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304004

Closed

2024-12-10 18:46

2024-12-19 16:42

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Evidence of Primary Residence taxes provided.  Condition Resolved. - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Missing Evidence of Property Taxes for Primary Residence - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-Evidence of Primary Residence taxes provided.  Condition Resolved. - Due Diligence Vendor-12/19/2024

Secured Property Tax Bill.pdf

XX

Second Home

Purchase

NA

2974102

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304004

Closed

2024-12-10 18:44

2024-12-19 16:40

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of Property Taxes for Primary Residence

Resolved-Document Uploaded. Verification of Primary Residence Taxes received.  Condition Resolved. - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-Missing Evidence of Property Taxes for Primary Residence - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-Document Uploaded. Verification of Primary Residence Taxes received.  Condition Resolved. - Due Diligence Vendor-12/19/2024

Secured Property Tax Bill.pdf Assessor Look Up for Primary Taxes.pdf

XX

Second Home

Purchase

NA

2974082

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304060

Closed

2024-12-10 19:31

2025-01-06 14:20

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-01/06/2025 Ready for Review-Document Uploaded.  - Seller-01/03/2025 Counter-Lender provided the Final Refinance Statement however it was not consistent with the final CD due to changes in fees including the Recording Fee.  Please provide PCCD.  Condition remains.   - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded.  - Seller-12/20/2024 Open-Final Closing Disclosure is missing or incomplete Subject property located in dry funding state, loan file missing a post-closing Closing Disclosure with final figures or a Final Settlement Statement with figures matching the Closing Disclosure signed at loan closing.  - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-01/03/2025  Ready for Review-Document Uploaded.  - Seller-12/20/2024

Resolved-Lender provided PCCD.  Condition cleared.  - Due Diligence Vendor-01/06/2025

XXXXXX Final BuyerBorrower Statement.pdf XXXXXX XXXXXXXXX PCD.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2974853

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304029

Closed

2024-12-11 15:13

2024-12-19 15:22

Resolved

1 - Information

Compliance

Mavent

NJ Fee Not Allowed- MERS® Registration Fee (Fee ID: 128)

Resolved-Lender provided evidence the general Lender Credit covered the MERS fee paid to the Lender.  Condition cleared.   - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Open-Section 3:1-16.2 of the New Jersey Mortgage Loans, Fees, Obligations Provisions (N.J.A.C. 3:1-16.2) does not allow MERS® Registration Fee (Fee ID: XXX) to be charged to the Borrower in NJ. - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/18/2024

Resolved-Lender provided evidence the general Lender Credit covered the MERS fee paid to the Lender.  Condition cleared.   - Due Diligence Vendor-12/19/2024

XXXXXXXXX XXXXXXXXX MERS fee.pdf

XX

Second Home

Purchase

NA

2980634

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304029

Closed

2024-12-11 13:07

2024-12-19 14:12

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided evidence the Exclusionary List was checked.  Condition cleared.  - Due Diligence Vendor-12/19/2024 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/18/2024

Resolved-Lender provided evidence the Exclusionary List was checked.  Condition cleared.  - Due Diligence Vendor-12/19/2024  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/19/2024

LDP.pdf SAM.gov _ Search.pdf

XX

Second Home

Purchase

NA

2979376

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304029

Closed

2024-12-11 14:53

2024-12-19 14:08

Resolved

1 - Information

Credit

Insurance

Hazard Insurance Shortfall

Resolved-Lender provided HO Replacement Cost Estimator.  Condition cleared.   - Due Diligence Vendor-12/19/2024 Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded. Dwelling coverage exceeds replacement value - Seller-12/18/2024 Open-Hazard Insurance Coverage Amount of $XXXXXXX is less than Total Amount of Subject Lien(s) of $XXXXXXX - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded. Dwelling coverage exceeds replacement value - Seller-12/18/2024

Resolved-Lender provided HO Replacement Cost Estimator.  Condition cleared.   - Due Diligence Vendor-12/19/2024  Resolved-Hazard Insurance Coverage Amount of $XXXXXXX is equal to or greater than Total Amount of Subject Lien(s) or Guaranteed Replacement Coverage is present - Due Diligence Vendor-12/19/2024

XXXXXXXXX XXXXXXXXX HOI.pdf

XX

Second Home

Purchase

NA

2980366

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304066

Closed

2024-12-09 11:20

2024-12-23 17:10

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Paystub and w2 supporting income used to qualify were rec'd. - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded.  - Seller-12/23/2024 Open-Guidelines require income to be verified with a YTD paystub and most recent year's W2 or by WVOE. Income documentation missing for borrower 2.  - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/23/2024

Resolved-Paystub and w2 supporting income used to qualify were rec'd. - Due Diligence Vendor-12/23/2024

X XXXXXX XXXX W2.pdf X XXXXXX pay XX/XX/XXXX.pdf X XXXXXX pay XX/XX/XXXX.pdf

XX

Primary Residence

Purchase

NA

2958332

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304066

Closed

2024-12-09 11:19

2024-12-23 17:10

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Paystub and W2 supporting B2 income used to qualify were rec'd.  - Due Diligence Vendor-12/23/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Guidelines require income to be verified with a YTD paystub and most recent year's W2 or by WVOE. Income documentation missing for borrower 2.  - Due Diligence Vendor-12/09/2024

Resolved-Paystub and W2 supporting B2 income used to qualify were rec'd.  - Due Diligence Vendor-12/23/2024

XX

Primary Residence

Purchase

NA

2958330

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304050

Closed

2024-12-11 16:22

2024-12-11 20:31

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

XX

Primary Residence

Purchase

NA

2981958

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304057

Closed

2024-12-16 23:00

2025-01-27 13:58

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged- S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/16/2024

Acknowledged- S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/16/2024

XX

Primary Residence

Purchase

NA

3018123

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304057

Closed

2024-12-10 14:41

2024-12-16 22:59

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded. A valid secondary valuation (CDA) supporting the origination appraisal value provided. - Due Diligence Vendor-12/16/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-12/10/2024

Resolved-Document Uploaded. A valid secondary valuation (CDA) supporting the origination appraisal value provided. - Due Diligence Vendor-12/16/2024

XXXXXXXXX_RDA.pdf

XX

Primary Residence

Purchase

NA

2970082

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304052

Closed

2024-12-10 19:20

2024-12-23 17:54

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-No reserves were required for subject transaction, so no ATR issues with assets.  - Due Diligence Vendor-12/23/2024 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/23/2024 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $0 is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-12/10/2024

Resolved-No reserves were required for subject transaction, so no ATR issues with assets.  - Due Diligence Vendor-12/23/2024  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-12/23/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2974635

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304052

Closed

2024-12-09 14:09

2024-12-23 17:32

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Property report confirming sale of REO rec'd.  - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded.  - Seller-12/23/2024 Open-Missing evidence REO 2 from the most recent tax returns has sold. - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/23/2024

Resolved-Property report confirming sale of REO rec'd.  - Due Diligence Vendor-12/23/2024

XXXXXXX XXXXXXXXX XXXXXXXX XXXXXXX Sold.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2959279

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304052

Closed

2024-12-10 18:33

2024-12-16 16:19

Resolved

1 - Information

Property

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded.  - Due Diligence Vendor-12/16/2024 Resolved-Post incident inspection provided.  No Damage noted. - Due Diligence Vendor-12/16/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-12/10/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-12/16/2024  Resolved-Post incident inspection provided.  No Damage noted. - Due Diligence Vendor-12/16/2024

XXXXXXXXX-PDI.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2973952

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304042

Closed

2024-11-20 14:56

2024-12-09 15:43

Resolved

1 - Information

Property

Property

Property in Disaster Area – Property located in a FEMA declared disaster area. Inspection post incident date was not provided

Resolved-Document Uploaded.  - Due Diligence Vendor-12/09/2024 Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-12/09/2024 Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-11/20/2024

Resolved-Document Uploaded.  - Due Diligence Vendor-12/09/2024  Resolved-Post incident inspection provided.  No Damage Noted. - Due Diligence Vendor-12/09/2024

XXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

2847627

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304016

Closed

2024-12-10 17:19

2024-12-18 20:39

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Received final settlement statement. Condition cleared. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-Final Closing Disclosure is missing or incomplete The subject is in a dry funding state, missing the PCCD or confirmation the figures on the consummation CD did not change. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Received final settlement statement. Condition cleared. - Due Diligence Vendor-12/18/2024

Final Settlement Statement (9).pdf

XX

Primary Residence

Purchase

NA

2972723

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304026

Closed

2024-12-09 20:24

2025-01-10 14:20

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Updated based on latest guideline clarification - The REO UPB balance is $XXX,XXX.XX which is less than $XX therefore lender guidelines do not require reserves.  AUS did not require reserves.  Condition cleared.  - Due Diligence Vendor-01/10/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/10/2025 Ready for Review-Based on the current guideline interpretation, the UPB on the REO is < $X,XXX,XXX.XX therefore, reserves are per the AUS.  And, in this case LPA submission #16 indicates no reserves are required. - Seller-01/09/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Total Qualified Assets for Reserves Post-Close of $XXX.XX is less than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-12/09/2024

Ready for Review-Based on the current guideline interpretation, the UPB on the REO is < $X,XXX,XXX.XX therefore, reserves are per the AUS.  And, in this case LPA submission #16 indicates no reserves are required. - Seller-01/09/2025

Resolved-Updated based on latest guideline clarification - The REO UPB balance is $XXX,XXX.XX which is less than $XX therefore lender guidelines do not require reserves.  AUS did not require reserves.  Condition cleared.  - Due Diligence Vendor-01/10/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/10/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2965278

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304026

Closed

2024-12-09 20:05

2025-01-10 14:20

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Updated based on latest guideline clarification - The REO UPB balance is $XXX,XXX.XX which is less than $XX therefore lender guidelines do not require reserves.  AUS did not require reserves.  Condition cleared.  - Due Diligence Vendor-01/10/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $XXX.XX is equal to or greater than Total Required Reserve Amount of $X - Due Diligence Vendor-01/10/2025 Ready for Review-Based on the current guideline interpretation, the UPB on the REO is < $X,XXX,XXX therefore, reserves are per the AUS.  And, in this case LPA submission #16 indicates no reserves are required. - Seller-01/09/2025 Open-Total Qualified Assets for Reserves Post-Close of $XXX.XX is less than Total Required Reserve Amount of $XXXXXX.XX - Due Diligence Vendor-12/09/2024

Ready for Review-Based on the current guideline interpretation, the UPB on the REO is < $X,XXX,XXX.XX therefore, reserves are per the AUS.  And, in this case LPA submission #16 indicates no reserves are required. - Seller-01/09/2025

Resolved-Updated based on latest guideline clarification - The REO UPB balance is $XXX,XXX.XX which is less than $XX therefore lender guidelines do not require reserves.  AUS did not require reserves.  Condition cleared.  - Due Diligence Vendor-01/10/2025  Resolved-Total Qualified Assets for Reserves Post-Close of $XXX.XX is equal to or greater than Total Required Reserve Amount of $X - Due Diligence Vendor-01/10/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2965013

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304026

Closed

2024-12-10 20:51

2025-01-10 14:19

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Lender provided income calculation worksheet and 1008.  Audit updated income calculation to add back $X,XXX.XX for XXXX.  DTI is now 49,97% with the HOA dues and timeshare payments.  Condition cleared.   - Due Diligence Vendor-01/03/2025 Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/03/2025 Ready for Review-Document Uploaded. Please see attached income worksheet and 1008.  As it applies to the $XX HOA dues, if added the adjusted DTI is 49.83% so it will be an easy fix.  The bigger issue is the income...hopefully you will agree with our approach. - Seller-01/02/2025 Counter- - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded. See updated AUS and 1008 which include both XXXXXXXX timeshares - Seller-12/20/2024 Open-Audited DTI of 52.34% exceeds Guideline DTI of 50% Timeshare monthly payments were not included in the DTI. - Due Diligence Vendor-12/10/2024

DTI 50.22% still exceeds maximum allowable DTI. REO income calculated at -XXX.XX vs Lender -XXX.XX.  Lender did not include $XX HOA for subject property. Total income calculated at $XX,XXX.XX vs Lender $XX,XXX.XX.  Please send income calculator for rental income and employment income (both) and revised 1008 to include HOA. - 12/23/2024 Ready for Review-Document Uploaded. Please see attached income worksheet and 1008.  As it applies to the $XX HOA dues, if added the adjusted DTI is 49.83% so it will be an easy fix.  The bigger issue is the income...hopefully you will agree with our approach. - Seller-01/02/2025  Ready for Review-Document Uploaded. See updated AUS and 1008 which include both Marriott timeshares - Seller-12/20/2024

Resolved-Lender provided income calculation worksheet and 1008.  Audit updated income calculation to add back $X,XXX.XX for XXXX.  DTI is now 49,97% with the HOA dues and timeshare payments.  Condition cleared.   - Due Diligence Vendor-01/03/2025  Resolved-Audited DTI of 49.97% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-01/03/2025

LPA #16.pdf 1008.pdf 1008.pdf Income Worksheet.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2976004

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304026

Closed

2024-12-10 13:14

2025-01-03 19:41

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-Lender provided evidence of the self-employed business in 1b and 1c are active.  Condition cleared.   - Due Diligence Vendor-01/03/2025 Counter-The lender provided a google search for the tax preparer and a copy of the VVOE from the loan file which is deemed insufficient.  The Borrower was qualified with 2 sources of employment/income.  Two VVOES were in the loan file but neither reflected the name of the employer/business.  Please provide VVOE for each employer which identified the employer's name and dated within 10 days prior to closing as required by the AUS.  Condition remains.  - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. VOE includes the Google search used which contains the Company name of the self employed - Seller-12/16/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements VOE does not list business name that was verified. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded. VOE includes the Google search used which contains the Company name of the self employed - Seller-12/16/2024

Resolved-Lender provided evidence of the self-employed business in 1b and 1c are active.  Condition cleared.   - Due Diligence Vendor-01/03/2025

MergedDocument.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2969244

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304026

Closed

2024-12-10 13:14

2025-01-03 19:40

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Lender provided evidence of the self-employed business in 1b and 1c are active.  Condition cleared.   - Due Diligence Vendor-01/03/2025 Ready for Review-Document Uploaded.  - Due Diligence Vendor-01/03/2025 Ready for Review-Document Uploaded.  - Seller-01/02/2025 Counter-The documentation provided is only for self-employment listed in section 1c on loan application, and the documentation does not verify the business name.  Additionally, there is no verification for the self-employment listed in section 1b on the loan application, which is not the same as 1c. The existence of the business must be verified, and that cannot be done without the name of the business name on the verifications. It is not being disputed that CPA can verify the information, but that the business' must be verified. The FHLMC 5304.1 provided also states the name and address of the business must be documented on the third-party source.  - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded. Per FHLMC 5304.1 verification of a business can be conducted with the CPA as long as they are not related to the borrower.  The documentation provided is XXXXXXXXX VOE conducted with the CPA, and internet verification of the CPA's business phone number.  - Seller-12/20/2024 Counter-The lender provided a google search for the tax preparer and a copy of the VVOE from the loan file which is deemed insufficient.  The Borrower was qualified with 2 sources of employment/income.  Two VVOES were in the loan file but neither reflected the name of the employer/business.  Please provide VVOE for each employer which identified the employer's name and dated within 10 days prior to closing as required by the AUS.  Condition remains.   - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded. VOE includes the Google search used which contains the Company name of the self employed - Seller-12/16/2024 Open-Borrower 1 3rd Party VOE Prior to Close Missing VOE does not list business name that was verified. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-01/02/2025  Ready for Review-Document Uploaded. Per FHLMC 5304.1 verification of a business can be conducted with the CPA as long as they are not related to the borrower.  The documentation provided is Pennymac's VOE conducted with the CPA, and internet verification of the CPA's business phone number.  - Seller-12/20/2024  Ready for Review-Document Uploaded. VOE includes the Google search used which contains the Company name of the self employed - Seller-12/16/2024

Resolved-Lender provided evidence of the self-employed business in 1b and 1c are active.  Condition cleared.   - Due Diligence Vendor-01/03/2025

MergedDocument.pdf FHLMC 5304.1.pdf VOE.pdf XXX XXXXX XXX XXXXXXXXXXX 2.pdf XXXXXX XXXXXXXXX XXX XXXXXX XXXXXXXXX 1.pdf XXXXXX XXXXXXXXX XXX XXXXXX XXXXXXXXX 2.pdf XXX XXXXX XXX XXXXXXXXXXX 1.pdf XXXXXXXXX - XXXXXX XXXXXXXXX _ California Secretary of State.pdf XXXXXXXXX - XXX XXXXX XXX _ California Secretary of State.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2969243

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304026

Closed

2024-12-10 20:50

2025-01-03 19:37

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-Lender provided income calculation worksheet and 1008.  Audit updated income calculation to add back $X,XXX for XXXX.  DTI is now 49,97% with the HOA dues and timeshare payments.  Condition cleared.   - Due Diligence Vendor-01/03/2025 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements Timeshare monthly payments were not included in the DTI. - Due Diligence Vendor-12/10/2024

Resolved-Lender provided income calculation worksheet and 1008.  Audit updated income calculation to add back $X,XXX.XX for XXXX.  DTI is now 49,97% with the HOA dues and timeshare payments.  Condition cleared.   - Due Diligence Vendor-01/03/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2975989

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304026

Closed

2024-12-09 16:18

2024-12-17 13:11

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided evidence all parties checked with exclusionary list.  Condition cleared.   - Due Diligence Vendor-12/17/2024 Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/16/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/16/2024

Resolved-Lender provided evidence all parties checked with exclusionary list.  Condition cleared.   - Due Diligence Vendor-12/17/2024  Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/17/2024

XXXXXXXXX XXXXXXXXX LDP, GSA.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2961111

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304021

Closed

2024-12-03 21:40

2024-12-11 23:05

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 1

Resolved-B1 ID received.  Condition Resolved. - Due Diligence Vendor-12/11/2024 Ready for Review-Document Uploaded.  - Seller-12/11/2024 Open-Borrower 1 identification not provided. Borrower 1 identification not provided in file and no Patriot Act form completed by Lender in file. - Due Diligence Vendor-12/03/2024

Ready for Review-Document Uploaded.  - Seller-12/11/2024

Resolved-B1 ID received.  Condition Resolved. - Due Diligence Vendor-12/11/2024

XXXXXXXX XXXXXXXXX US Patriot Act.pdf

XX

Primary Residence

Purchase

NA

2923526

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304021

Closed

2024-12-03 21:40

2024-12-11 23:04

Resolved

1 - Information

Credit

Missing Doc

Missing Borrower Identification - Borrower 2

Resolved-B2 ID received.  Condition resolved. - Due Diligence Vendor-12/11/2024 Ready for Review-Document Uploaded.  - Seller-12/11/2024 Open-Borrower 2 identification not provided. Borrower 2 identification not provided in file and no Patriot Act form completed by Lender in file.  - Due Diligence Vendor-12/03/2024

Ready for Review-Document Uploaded.  - Seller-12/11/2024

Resolved-B2 ID received.  Condition resolved. - Due Diligence Vendor-12/11/2024

XXXXXXXX XXXXXXXXX US Patriot Act.pdf

XX

Primary Residence

Purchase

NA

2923527

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304065

Closed

2024-12-06 18:38

2024-12-18 20:25

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Received PCCD. Condition cleared. - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Open-Dry fund state is missing a post-close closing disclosure or a final ALTA Settlement Statement to confirm the figures on the most recent closing disclosure have not changed. - Due Diligence Vendor-12/06/2024

Ready for Review-Document Uploaded.  - Seller-12/18/2024

Resolved-Received PCCD. Condition cleared. - Due Diligence Vendor-12/18/2024

XXXXXXX XXXXXXXXX PCD.pdf

XX

Primary Residence

Purchase

NA

2951817

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304013

Closed

2024-12-09 17:14

2025-01-30 20:47

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/30/2025 Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/19/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. UCDP with CU and LCA scores not provided. Additional valuation not provided.  - Due Diligence Vendor-12/09/2024

Resolved-A valid secondary valuation supporting the origination appraisal value was provided. - Due Diligence Vendor-01/30/2025  Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/19/2024

XXXXXXXXX_RDA.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2962180

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304013

Closed

2024-12-09 18:06

2024-12-17 13:33

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Lender provided loan specific attestation that Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/17/2024 Resolved-Resolved - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Lender provided loan specific attestation that Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/17/2024  Resolved-Resolved - Due Diligence Vendor-12/17/2024

XXXXX XXXXXXXXX Response.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2963085

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304013

Closed

2024-12-09 18:06

2024-12-17 13:32

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided loan specific attestation that Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/17/2024 Resolved-Resolved - Due Diligence Vendor-12/17/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-12/09/2024

Resolved-Lender provided loan specific attestation that Lender is closed on Saturdays.  Condition cleared.   - Due Diligence Vendor-12/17/2024  Resolved-Resolved - Due Diligence Vendor-12/17/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2963084

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304027

Closed

2024-12-09 18:56

2024-12-17 20:48

Resolved

1 - Information

Property

Appraisal

Subject property appraisal is not on an as-is basis (Primary Value)

Resolved-1004D/442 received.  Work verified completed.  Condition resolved.   - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-Primary Value Subject Property Appraisal is not on an As-Is Basis . 1004D completion is missing in the loan file - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-1004D/442 received.  Work verified completed.  Condition resolved.   - Due Diligence Vendor-12/17/2024

ClosingCorp-Appraisal-XXXXXXXXXXXXXXXXXXXX-XXXXXXX.pdf

XX

Primary Residence

Purchase

NA

2963931

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304027

Closed

2024-12-11 14:48

2024-12-11 14:48

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

XX

Primary Residence

Purchase

NA

2980324

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304012

Closed

2024-12-09 19:27

2025-01-10 14:39

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared.   - Due Diligence Vendor-01/10/2025 Ready for Review-Document Uploaded.  - Seller-01/09/2025 Open-Final Closing Disclosure is missing or incomplete As subject property in dry funding state and is missing either a PCCD or a final settlement statement that matches the final CD in file. - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-01/09/2025

Resolved-Lender provided PCCD.  Condition cleared.   - Due Diligence Vendor-01/10/2025

XXXXXXX XXXXXXXXX PCCD.pdf

XX

Primary Residence

Purchase

NA

2964467

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304012

Closed

2024-12-09 18:47

2024-12-19 14:36

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Received At Least Four Business Days Before Consummation

Resolved-Lender provided evidence of receipt for revised LE.  Condition cleared.   - Due Diligence Vendor-12/19/2024 Resolved-Resolved - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/18/2024 Open-A revised Loan Estimate was provided on (XX/XX/XXXX) via (USPSFirstClassMail). Under Regulation Z, a consumer must receive a revised Loan Estimate not later than four business days prior to consummation date of  (XX/XX/XXXX). Since the revised Loan Estimate was not provided in person, a consumer is considered to have received it on (XX/XX/XXXX), which is three business days after it was delivered or placed in the mail. As a result, the revised Loan Estimate is not deemed to have been received at least four business days before consummation, which is (2024-11-20). (12 CFR 1026.19(e)(4)(ii)) . - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/18/2024

Resolved-Lender provided evidence of receipt for revised LE.  Condition cleared.   - Due Diligence Vendor-12/19/2024  Resolved-Resolved - Due Diligence Vendor-12/19/2024

XXXXXXX XXXXXXXXXLE response.pdf

XX

Primary Residence

Purchase

NA

2963727

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304035

Closed

2024-12-10 13:12

2024-12-17 19:18

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/17/2024

XXXXXXXX XXXXXXXXX LDP, GSA.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2969218

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304011

Closed

2024-12-10 20:49

2025-01-28 19:26

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/28/2025 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2025 Acknowledged-Acknowledged.  Secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. Invalid findings. Rescinded - Due Diligence Vendor-12/16/2024 Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Invalid findings. Rescinded - Due Diligence Vendor-12/10/2024

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/28/2025  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. This finding is non-material and will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-01/27/2025  Acknowledged-Acknowledged.  Secondary product within tolerance.  This finding will be rated a B for S&P. All other agencies will be rated as A. Invalid findings. Rescinded - Due Diligence Vendor-12/16/2024  Rescinded-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. Invalid findings. Rescinded - Due Diligence Vendor-12/10/2024

XX

Primary Residence

Purchase

NA

2975986

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304011

Closed

2024-12-11 16:22

2024-12-16 23:02

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/16/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. CU score 4.6, LCA 3.5.  AVM provided in the loan file did not have a property value. - Due Diligence Vendor-12/11/2024

Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/16/2024

XXXXXXXXX_RDA.pdf

XX

Primary Residence

Purchase

NA

2981941

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304024

Closed

2024-12-09 18:15

2024-12-19 17:36

Resolved

1 - Information

Credit

Missing Doc

Incomplete Mortgage/Deed of Trust

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-The Deed of Trust is Incomplete Missing the notary signature date. - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-12/19/2024

XXXXXXXX XXXXXXXXX SI.pdf

XX

Second Home

Purchase

NA

2963206

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304064

Closed

2024-12-10 14:05

2025-01-10 18:29

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-PCCD dated XX/XX/XXXX provided.  Fees did not change.  Condition Resolved. - Due Diligence Vendor-01/10/2025 Ready for Review-Document Uploaded.  - Seller-01/10/2025 Open-Final Closing Disclosure is missing or incomplete Subject property located in dry funding state, loan file missing a post-closing Closing Disclosure with final figures or a final settlement statement with figures matching to the Closing Disclosure signed at loan closing. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-01/10/2025

Resolved-PCCD dated XX/XX/XXXX provided.  Fees did not change.  Condition Resolved. - Due Diligence Vendor-01/10/2025

XXXXXXXXX XXXXXXXXX PCD.pdf

XX

Primary Residence

Purchase

NA

2969678

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304064

Closed

2024-12-11 18:08

2024-12-11 20:53

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/11/2024

XX

Primary Residence

Purchase

NA

2983611

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304053

Closed

2024-12-09 19:31

2024-12-19 19:11

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value obtained.  Condition resolved. - Due Diligence Vendor-12/19/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. UCDP with CU and LCA scores not in file. Additional valuation not in file. Additional conditions may apply. - Due Diligence Vendor-12/09/2024

Resolved-Document Uploaded. A valid secondary valuation supporting the origination appraisal value obtained.  Condition resolved. - Due Diligence Vendor-12/19/2024

XXXXXXXXX_RDA.pdf

XX

Primary Residence

Purchase

NA

2964522

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304043

Closed

2023-10-02 18:10

2023-11-07 14:21

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-10/02/2023

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023

XX

Second Home

Purchase

NA

1188721

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304043

Closed

2023-10-02 18:10

2023-11-07 14:21

Acknowledged

2 - Non-Material

Compliance

Missing Doc

FCRA Negative Information Notice Missing

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023 Open-FCRA Negative Information Notice Missing - Due Diligence Vendor-10/02/2023

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-11/07/2023

XX

Second Home

Purchase

NA

1188723

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304045

Closed

2025-02-11 13:10

2025-02-11 13:10

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-02/11/2025

Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-02/11/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

3394583

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304045

Closed

2024-12-11 20:18

2025-01-15 13:40

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided all pages to Fraud Report with a Pass status.  Condition cleared.  - Due Diligence Vendor-01/15/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded.  - Seller-01/14/2025 Open-Missing Third Party Fraud Report Complete fraud report with OFAC search and Exclusionary List missing from loan file. Report in file reflects Auto Refer and did not generate ID, App or Property verifications.  - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-01/14/2025

Resolved-Lender provided all pages to Fraud Report with a Pass status.  Condition cleared.  - Due Diligence Vendor-01/15/2025  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2025

XXXXXXXXX DataVerify PASS.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2985814

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304045

Closed

2024-12-10 15:53

2025-01-15 13:38

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/15/2025 Resolved-Evidence of All Interested Parties were Checked with Exclusionary Lists provided.  Condition Resolved.  - Due Diligence Vendor-12/19/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-All Interested Parties Not Checked with Exclusionary Lists Complete fraud report with OFAC search and Exclusionary List missing from loan file. Report in file reflects Auto Refer and did not generate ID, App or Property verifications.  - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-01/15/2025  Resolved-Evidence of All Interested Parties were Checked with Exclusionary Lists provided.  Condition Resolved.  - Due Diligence Vendor-12/19/2024

LDP.pdf SAM.gov _ Search.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2971206

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304045

Closed

2024-12-10 17:34

2025-01-06 21:52

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2972976

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304055

Closed

2024-12-10 22:20

2025-01-27 14:00

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Lender provided evidence it is closed for business on Saturdays. Condition cleared. - Due Diligence Vendor-01/27/2025 Resolved-Resolved - Due Diligence Vendor-12/20/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/10/2024

Resolved-Lender provided evidence it is closed for business on Saturdays. Condition cleared. - Due Diligence Vendor-01/27/2025  Resolved-Resolved - Due Diligence Vendor-12/20/2024

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

2977057

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304055

Closed

2024-12-10 22:30

2025-01-06 21:57

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Acknowledged by Client - Due Diligence Vendor-01/06/2025 Open-Privacy Notice Required - Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024

Acknowledged-Acknowledged by Client - Due Diligence Vendor-01/06/2025

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

2977118

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304055

Closed

2024-12-10 21:42

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/10/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

2976689

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304055

Closed

2024-12-10 22:20

2024-12-20 15:11

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Lender provided evidence it is closed for business on Saturdays.  Condition cleared.  - Due Diligence Vendor-12/20/2024 Resolved-Resolved - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded.  - Seller-12/19/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) The application date is XX/XX/XXXX; however, the initial disclosures were not provided until XX/XX/XXXX. Provide evidence the lender was not open for business on Saturday for purposes of disclosure timing. Additional conditions may apply. - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/19/2024

Resolved-Lender provided evidence it is closed for business on Saturdays.  Condition cleared.  - Due Diligence Vendor-12/20/2024  Resolved-Resolved - Due Diligence Vendor-12/20/2024

XXXXXX XXXXXXXXX LE response.pdf

XX

Second Home

Refinance

No Cash Out - Borrower Initiated

2977058

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304031

Closed

2024-11-05 12:51

2024-11-18 20:03

Resolved

1 - Information

Compliance

Tolerance:FinanceCharge

Federal - Finance Charge Disclosure Tolerance (Closed End)

Resolved-Lender sent evidence of $XXX.XX refund and PCCD.  Condition cleared.   - Due Diligence Vendor-11/18/2024 Resolved- - Due Diligence Vendor-11/18/2024 Ready for Review-Document Uploaded.  - Seller-11/14/2024 Open-It appears the Lender did not include the Verification fee of $XXX.XX.   - Due Diligence Vendor-11/05/2024 Open-The disclosed finance charge ($X,XXX,XXX.XX) is ($XXX.XX) below the actual finance charge($X,XXX,XXX.XX). The Truth in Lending Act considers the disclosed finance charge inaccurate if it is more than $XXX below the actual finance charge. (12 CFR 1026.18(d)(1); OSC 17(c)(2)(ii)-1)   - Due Diligence Vendor-11/05/2024

Ready for Review-Document Uploaded.  - Seller-11/14/2024

Resolved-Lender sent evidence of $XXX.XX refund and PCCD.  Condition cleared.   - Due Diligence Vendor-11/18/2024  Resolved-  - Due Diligence Vendor-11/18/2024

XXXXXXX XXXXXX refund, lox and shipping (1).pdf

XX

Primary Residence

Purchase

NA

2743218

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304031

Closed

2024-10-14 11:43

2024-11-05 12:54

Resolved

1 - Information

Compliance

Missing Doc

TRID: Missing Closing Disclosure

Resolved-Lender provided PC CD.  Condition cleared.  - Due Diligence Vendor-11/05/2024 Ready for Review-Document Uploaded.  - Seller-10/29/2024 Open-The subject property is located in a dry funding state. Missing a Post Close CD consistent with the fees disclosed on the final HUD-1 - Due Diligence Vendor-10/14/2024

Ready for Review-Document Uploaded.  - Seller-10/29/2024

Resolved-Lender provided PC CD.  Condition cleared.  - Due Diligence Vendor-11/05/2024

XXXXXX XXXXXXXXX PCCD.pdf

XX

Primary Residence

Purchase

NA

2588136

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304031

Closed

2024-10-12 15:12

2024-10-12 18:16

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB. - Due Diligence Vendor-10/12/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated an EVB. - Due Diligence Vendor-10/12/2024

XX

Primary Residence

Purchase

NA

2584536

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304061

Closed

2024-11-27 15:30

2025-01-06 22:03

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/27/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2894955

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304061

Closed

2024-11-27 16:46

2024-12-17 13:26

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001028)

Resolved-Lender provided a COC for the Final Inspection fee.  Condition cleared.   - Due Diligence Vendor-12/17/2024 Resolved-Resolved - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/16/2024 Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the last Closing Disclosure. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. The Loan Estimate dated XX/XX/XXXX does not reflect an Inspection Fee. The final CD dated XX/XX/XXXX reflects an Inspection Fee of $XXX.XX. The loan file did not contain a valid COC to support the increase. A tolerance cure of $XXX.XX is required. Section J reflects a $XX.XX tolerance cure that is insufficient. Provide Letter of Explanation, Proof of Refund, Corrected PCCD, and Proof of Delivery to Borrower. - Due Diligence Vendor-11/27/2024

Ready for Review-Document Uploaded.  - Seller-12/16/2024

Resolved-Lender provided a COC for the Final Inspection fee.  Condition cleared.   - Due Diligence Vendor-12/17/2024  Resolved-Resolved - Due Diligence Vendor-12/17/2024

COC Reasons.pdf

XX

Primary Residence

Purchase

NA

2896290

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304061

Closed

2024-11-27 16:46

2024-12-17 13:25

Resolved

1 - Information

Compliance

TRID Tolerance

Insufficient Tolerance Cure (50001026)

Resolved-Lender provided a COC for the Final Inspection fee.  Condition cleared.   - Due Diligence Vendor-12/17/2024 Resolved-Resolved - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/16/2024 Open-A Lender Credit for Excess Charges of ($XX.XX), Principal Reduction for Excess Charges of ($X.XX), and general or specific lender credit increases of ($X.XX) were applied to the total fee variance of ($XXX.XX) between the baseline disclosure and the actual fee amounts. Since the lender credits and principal reduction (if applicable) are less than the total fee variance amount, they are not sufficient to cure the variance. Final Inspection Fee on CD dated XX/XX/XXXX is $XXX.XX. LE dated XX/XX/XXXX does not list this fee. This fee is in a 0% tolerance section. Lender tolerance cure of $XXX.XX is required. Section J reflects $XX.XX tolerance cure that is insufficient as it was applied to the tolerance cure for the Recording Fee. Provide corrected CD, evidence of Refund to the Borrower, letter of explanation and proof of delivery to the Borrower. - Due Diligence Vendor-11/27/2024

Ready for Review-Document Uploaded.  - Seller-12/16/2024

Resolved-Lender provided a COC for the Final Inspection fee.  Condition cleared.   - Due Diligence Vendor-12/17/2024  Resolved-Resolved - Due Diligence Vendor-12/17/2024

COC Reasons.pdf

XX

Primary Residence

Purchase

NA

2896289

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304047

Closed

2024-11-26 21:19

2025-01-06 21:46

Acknowledged

2 - Non-Material

Compliance

Disclosure

RESPA: AfBA Disclosure not provided timely

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure signed on XX/XX/XXXX (with no date on disclosure for when it was provided) is not within three business days of Application Date XX/XX/XXXX. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/26/2024

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

2890568

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304047

Closed

2024-11-27 15:06

2024-12-02 19:59

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/02/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/02/2024

XX

Primary Residence

Refinance

Limited Cash Out - <2% of Loan Amount or $2000

2894604

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304041

Closed

2024-11-20 12:50

2024-12-05 16:46

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/05/2024 Ready for Review-Document Uploaded.  - Seller-12/04/2024 Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-11/20/2024

Ready for Review-Document Uploaded.  - Seller-12/04/2024

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-12/05/2024

XXXXXX XXXXXXXXX ldp, gsa.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2846566

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304020

Closed

2025-01-02 20:55

2025-01-21 14:05

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender documented additional assets to cover reserves.  Condition cleared.   - Due Diligence Vendor-01/21/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/21/2025 Open-Updated based on guideline clarification – Required reserves are based on the Borrower’s two financed other REO properties with PITIA of $X,XXX.XX and $X,XXX.XX with a required 6 months of reserves totaling $XX,XXX.XX.  Total funds post-closing equal $XX,XXX.XX for a reserve shortage of $XX,XXX.XX.   - Due Diligence Vendor-01/02/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements   - Due Diligence Vendor-01/02/2025

Resolved-Lender documented additional assets to cover reserves.  Condition cleared.   - Due Diligence Vendor-01/21/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/21/2025

XX

Primary Residence

Purchase

NA

3126671

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304020

Closed

2025-01-02 20:53

2025-01-21 14:05

Resolved

1 - Information

Credit

Assets

Total Qualified Assets for Reserves Post-Close is less than Total Required Reserve Amount

Resolved-Lender documented additional assets to cover reserves.  Condition cleared.   - Due Diligence Vendor-01/21/2025 Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-01/21/2025 Ready for Review-Document Uploaded. Additional Reserves - Seller-01/17/2025 Open-Updated based on guideline clarification – Required reserves are based on the Borrower’s two financed other REO properties with PITIA of $X,XXX.XX and $X,XXX.XX with a required 6 months of reserves totaling $XX,XXX.XX.  Total funds post-closing equal $XX,XXX.XX for a reserve shortage of $XX,XXX.XX.   - Due Diligence Vendor-01/02/2025 Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX    - Due Diligence Vendor-01/02/2025 Open-Total Qualified Assets for Reserves Post-Close of $XXXXX.XX is less than Total Required Reserve Amount of $XXXXX.XX   - Due Diligence Vendor-01/02/2025

Ready for Review-Document Uploaded. Additional Reserves - Seller-01/17/2025

Resolved-Lender documented additional assets to cover reserves.  Condition cleared.   - Due Diligence Vendor-01/21/2025  Resolved-Total Qualified Assets for Reserves Post-Close of $XXXXXX.XX is equal to or greater than Total Required Reserve Amount of $XXXXX.XX - Due Diligence Vendor-01/21/2025

TERMS OF WITHDRAW 401K.pdf 401k.pdf

XX

Primary Residence

Purchase

NA

3126640

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304020

Closed

2024-11-25 16:21

2025-01-06 21:36

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-11/25/2024

Acknowledged-Acknowledged by Client.  - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2876906

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304020

Closed

2024-11-25 16:44

2024-12-06 18:23

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Received PCCD and final settlement statement. Finding cleared. - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded.  - Seller-12/06/2024 Open-Final Closing Disclosure is missing or incomplete Property is in a dry funding state.  Provide final Closing Disclosure corresponding to the final Settlement Statement.  - Due Diligence Vendor-11/25/2024

Ready for Review-Document Uploaded.  - Seller-12/06/2024

Resolved-Received PCCD and final settlement statement. Finding cleared. - Due Diligence Vendor-12/06/2024

PCCD XXXXXXXXXX.pdf FINAL CD _ XX XXXXXXXXXX.pdf

XX

Primary Residence

Purchase

NA

2877288

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304003

Closed

2024-12-09 16:01

2024-12-26 20:46

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-12/26/2024 Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/09/2024

Acknowledged-This finding is graded B for S&P only and A for all other agencies. - Due Diligence Vendor-12/26/2024  Acknowledged-S&P RA Only - Value grade equals B, secondary product within tolerance. - Due Diligence Vendor-12/09/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2960832

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304003

Closed

2024-11-21 16:26

2024-12-09 16:02

Resolved

1 - Information

Property

Value

Missing Post Close Valuation - 1

Resolved-Document Uploaded.   - Due Diligence Vendor-12/09/2024 Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/09/2024 Open-A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-11/21/2024

Resolved-Document Uploaded.   - Due Diligence Vendor-12/09/2024  Resolved-A valid secondary valuation (CDA) supporting the origination appraisal value was provided. - Due Diligence Vendor-12/09/2024

XXXXXXXXX_RDA.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2857336

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304028

Closed

2024-12-06 23:21

2024-12-23 20:51

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-Borrower owns < 25% of the businesses per the K-1's, so full tax returns not required. Only business without 2 yrs K-1's was new for XXXX and qualified with a loss. XXXX K-1 not available.  - Due Diligence Vendor-12/23/2024 Ready for Review-Please provide additional information.  The borrower has two main sources of income, XXXXXX XXXXXXXXXX XXX and XXXX XXXXXXXX XXXXXXX.  Section 1e of the 1003 lists other businesses but they are all qualified with a loss. For which business do you need tax returns?     - Seller-12/21/2024 Open-Income and Employment Do Not Meet Guidelines Per Appendix Q, Self-employed consumers must provide the following information:  signed, dated individual tax returns, with all applicable tax schedules for the most recent two years; for a corporation, “S” corporation, or partnership, signed copies of Federal business income tax returns for the last two years, with all applicable tax schedules and year to date profit and loss (P&L) statement and balance sheet. The loan file is missing income verification for income #8. - Due Diligence Vendor-12/09/2024

Ready for Review-Please provide additional information.  The borrower has two main sources of income, XXXXXX XXXXXXXXXX XXX and XXXX XXXXXXXX XXXXXXX.  Section 1e of the 1003 lists other businesses but they are all qualified with a loss. For which business do you need tax returns?     - Seller-12/21/2024

Resolved-Borrower owns < 25% of the businesses per the K-1's, so full tax returns not required. Only business without 2 yrs K-1's was new for XXXX and qualified with a loss. XXXX K-1 not available.  - Due Diligence Vendor-12/23/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2954607

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304028

Closed

2024-12-06 23:21

2024-12-23 20:50

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Employment validation/verification standards do not meet requirements

Resolved-2 years of business tax returns not required as borrower owns less than 25% of the businesses.  - Due Diligence Vendor-12/23/2024 Open-ATR Risk - Employment validation/verification standards do not meet requirements - Due Diligence Vendor-12/06/2024

Resolved-2 years of business tax returns not required as borrower owns less than 25% of the businesses.  - Due Diligence Vendor-12/23/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2954608

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304056

Closed

2024-12-10 12:00

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/10/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2968817

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304054

Closed

2024-11-25 12:00

2025-01-06 22:03

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/25/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2874665

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304058

Closed

2024-12-09 17:08

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.  - Due Diligence Vendor-12/09/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2962077

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304058

Closed

2024-12-10 18:09

2024-12-10 18:13

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2024

XX

Primary Residence

Purchase

NA

2973606

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304038

Closed

2024-12-09 15:53

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/09/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2960713

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304005

Closed

2024-11-20 15:03

2024-11-20 15:04

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/20/2024

XX

Primary Residence

Purchase

NA

2847710

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304032

Closed

2024-12-09 12:08

2025-02-21 22:05

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower 1 Credit Report received. Debts verified. - Due Diligence Vendor-02/21/2025 Resolved- - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-Borrower 1 Credit Report is Missing. Additional conditions my result upon receipt of the missing documentation. - Due Diligence Vendor-12/09/2024

Borrower 1 Credit Report received.  Debts verified.  - 12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Borrower 1 Credit Report received. Debts verified. - Due Diligence Vendor-02/21/2025

credit.pdf

XX

Primary Residence

Purchase

NA

2958508

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304032

Closed

2024-12-09 12:08

2025-02-10 20:17

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Credit History taken into consideration does not meet requirements

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/17/2025 Resolved-Credit Report received.  Credit History verified.  Condition Resolved. - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-ATR Risk - Credit History taken into consideration does not meet requirements due to missing the credit report - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-ATR Risk - Credit History taken into consideration meets requirements - Due Diligence Vendor-01/17/2025  Resolved-Credit Report received.  Credit History verified.  Condition Resolved. - Due Diligence Vendor-12/17/2024

credit.pdf

Borrower 1 Credit Report is Missing.

XX

Primary Residence

Purchase

NA

2958509

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304032

Closed

2024-12-09 12:10

2025-02-10 20:17

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/17/2025 Resolved-Credit Report received.  Debts verified.  Condition Resolved. - Due Diligence Vendor-12/17/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-ATR Risk - Monthly Debt Obligations taken into consideration do not meet requirements due to missing the credit report. - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-ATR Risk - Monthly Debt Obligations taken into consideration meet requirements - Due Diligence Vendor-01/17/2025  Resolved-Credit Report received.  Debts verified.  Condition Resolved. - Due Diligence Vendor-12/17/2024

credit.pdf

XX

Primary Residence

Purchase

NA

2958520

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304032

Closed

2024-12-09 14:39

2025-01-15 13:33

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded.  - Seller-01/14/2025 Counter-Lender provided the Final Master Statement however it was not consistent with the final CD due to a change in fees including the Recording Fee.  Please provide a PCCD.  Condition remains.   - Due Diligence Vendor-12/20/2024 Ready for Review-Document Uploaded.  - Seller-12/20/2024 Open-Final Closing Disclosure is missing or incomplete The subject property is located in a dry funding state. Missing a Post Close CD or Final HUD-1 to verify closing details. - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-01/14/2025  Ready for Review-Document Uploaded.  - Seller-12/20/2024

Resolved-Lender provided PCCD.  Condition cleared. - Due Diligence Vendor-01/15/2025

XXXXXX final SS 1.pdf XXXXXX XXXXXXXXX  post cd2.pdf

XX

Primary Residence

Purchase

NA

2959591

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304032

Closed

2024-12-09 11:40

2025-01-15 13:25

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided Fraud Report.  Condition cleared.  - Due Diligence Vendor-01/15/2025 Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2025 Ready for Review-Document Uploaded.  - Seller-01/14/2025 Open-Missing Third Party Fraud Report - Due Diligence Vendor-12/09/2024

Ready for Review-Document Uploaded.  - Seller-01/14/2025

Resolved-Lender provided Fraud Report.  Condition cleared.  - Due Diligence Vendor-01/15/2025  Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-01/15/2025

XXXXXXXXX Fraud Report.pdf

XX

Primary Residence

Purchase

NA

2958399

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304032

Closed

2024-12-09 17:05

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing - Due Diligence Vendor-12/09/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2961923

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304033

Closed

2024-11-26 14:51

2024-12-06 19:11

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - List of Settlement Service Providers Mailed/Delivered Within Three Business Days of Application

Resolved-Received confirmation closed on Sat. Columbus Day is the 14th. Doc sent timely. Finding cleared. - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded.  - Seller-12/05/2024 Open-The List of Settlement Service Providers Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, e List of Settlement Service Providers must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(vi); 1026.19(e)(1)(iii)) . - Due Diligence Vendor-11/26/2024

Ready for Review-Document Uploaded.  - Seller-12/05/2024

Resolved-Received confirmation closed on Sat. XXXXXXXX XXX is the XXXX. Doc sent timely. Finding cleared. - Due Diligence Vendor-12/06/2024

XXXXXX XXXXXXXXX response.pdf

XX

Primary Residence

Purchase

NA

2885236

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304033

Closed

2024-11-26 14:51

2024-12-06 19:10

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Loan Estimate Mailed/Delivered Within Three Business Days of Application

Resolved-Received confirmation closed on Sat. XXXXXXXX XXX is the XXXX. Doc sent timely. Finding cleared. - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded.  - Seller-12/05/2024 Open-The Initial Disclosure Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under Regulation Z, a Loan Estimate must be delivered or placed in the mail not later than the third business day after receiving a consumer's application.(12 CFR 1026.19(e)(1)(iii)) . - Due Diligence Vendor-11/26/2024

Ready for Review-Document Uploaded.  - Seller-12/05/2024

Resolved-Received confirmation closed on Sat. XXXXXXXX XXX is the XXXX. Doc sent timely. Finding cleared. - Due Diligence Vendor-12/06/2024

XXXXXX XXXXXXXXX response.pdf

XX

Primary Residence

Purchase

NA

2885234

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304033

Closed

2024-11-26 14:51

2024-12-06 19:10

Resolved

1 - Information

Compliance

Tolerance:Disclosure

Federal - Homeownership Counseling Disclosure Delivery

Resolved-Received confirmation closed on Sat. Columbus Day is the 14th. Doc sent timely. Finding cleared. - Due Diligence Vendor-12/06/2024 Ready for Review-Document Uploaded.  - Seller-12/05/2024 Open-The Homeownership Counseling Organization Disclosure Sent Date (XX/XX/XXXX) is more than 3 business days from the Application Date (XX/XX/XXXX). Three business days from the Application Date is (XX/XX/XXXX). Under 12 CFR 1024.20, not later than three business days after receipt of an application, or information sufficient to complete an application, the lender must provide the applicant with a clear and conspicuous written list of homeownership counseling organizations that provide relevant counseling services in the loan applicant's location. (12 CFR 1024.20) . - Due Diligence Vendor-11/26/2024

Ready for Review-Document Uploaded.  - Seller-12/05/2024

Resolved-Received confirmation closed on Sat. XXXXXXXX XXX is the XXXX. Doc sent timely. Finding cleared. - Due Diligence Vendor-12/06/2024

XXXXXX XXXXXXXXX response.pdf

XX

Primary Residence

Purchase

NA

2885232

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304023

Closed

2024-12-06 18:37

2025-02-10 19:38

Resolved

1 - Information

Credit

Missing Doc

Missing Final Application (1003)

Resolved- - Due Diligence Vendor-12/23/2024 Resolved-The Final 1003 is Present - Due Diligence Vendor-12/23/2024 Ready for Review-The file contains the final 1003's, they are e-signed:  XXXX on XX/XX/XXXX and XXXXXXX on XX/XX/XXXX - Seller-12/21/2024 Open-The Final 1003 is Missing - Due Diligence Vendor-12/06/2024

Ready for Review-The file contains the final 1003's, they are e-signed:  XXXX on XX/XX/XXXX and XXXXXXX on XX/XX/XXXX - Seller-12/21/2024

Resolved-  - Due Diligence Vendor-12/23/2024  Resolved-The Final 1003 is Present - Due Diligence Vendor-12/23/2024

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2951810

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304023

Closed

2024-12-06 18:53

2025-01-23 14:39

Resolved

1 - Information

Credit

Closing

Borrower 2 Photo ID is expired

Resolved-Lender provided an email indicating their client accepts identification expired by less than 3 years.  Upon further analysis with management, documentation is accepted.  Condition is cleared.   - Due Diligence Vendor-01/23/2025 Ready for Review-Document Uploaded.  - Seller-01/22/2025 Open-Borrower 2 photo ID expiration date is XX/XX/XXXX and note is dated XX/XX/XXXX. - Due Diligence Vendor-12/06/2024

Ready for Review-Document Uploaded.  - Seller-01/22/2025

Resolved-Lender provided an email indicating their client accepts identification expired by less than 3 years.  Upon further analysis with management, documentation is accepted.  Condition is cleared.   - Due Diligence Vendor-01/23/2025

XXXXXXX XXXXXXXXX ID Response.pdf

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2952002

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304023

Closed

2024-12-06 20:46

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/09/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Refinance

No Cash Out - Borrower Initiated

2953505

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304051

Closed

2024-12-09 17:44

2025-02-21 23:15

Resolved

1 - Information

Compliance

QM-ATR

ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements

Resolved-Lender provided tax return transcript.  Condition cleared.  - Due Diligence Vendor-01/06/2025 Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/06/2025 Open-ATR Risk - Either Current Income or Current Assets must be utilized to meet ATR requirements Missing required tax transcripts  - Due Diligence Vendor-12/09/2024

Resolved-Lender provided tax return transcript.  Condition cleared.  - Due Diligence Vendor-01/06/2025  Resolved-ATR Risk - Current Income or Current Assets were considered - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2962736

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304051

Closed

2024-12-09 17:00

2025-01-06 15:26

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Resolved-Lender provided tax return transcript.  Condition cleared.  - Due Diligence Vendor-01/06/2025 Ready for Review-Document Uploaded.  - Seller-01/04/2025 Counter-Taxes were filed electronically on XX/XX/XXXX, 3 months prior to the current date.  Please provide the borrower's XXXX Tax transcripts.  - Due Diligence Vendor-12/30/2024 Ready for Review-Document Uploaded.  - Seller-12/27/2024 Open-Tax transcripts are required when tax returns are used for qualification per lender guidelines.  - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-01/04/2025  Ready for Review-Document Uploaded.  - Seller-12/27/2024

Resolved-Lender provided tax return transcript.  Condition cleared.  - Due Diligence Vendor-01/06/2025

Filing Status.pdf Lender LOE.pdf XXXX transcripts.pdf

XX

Primary Residence

Purchase

NA

2961754

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304001

Closed

2024-12-09 14:57

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-12/09/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2959785

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304001

Closed

2024-12-10 14:29

2024-12-10 14:32

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A. - Due Diligence Vendor-12/10/2024

XX

Primary Residence

Purchase

NA

2969926

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304002

Closed

2024-12-10 20:09

2024-12-23 21:08

Resolved

1 - Information

Compliance

Missing Doc

Final Closing Disclosure is missing or incomplete

Resolved-Final/Post Closing CD rec'd.  - Due Diligence Vendor-12/23/2024 Ready for Review-Document Uploaded.  - Seller-12/21/2024 Open-Final Closing Disclosure is missing or incomplete Subject property is in dry funding state. PCCD missing in file.  - Due Diligence Vendor-12/10/2024

Ready for Review-Document Uploaded.  - Seller-12/21/2024

Resolved-Final/Post Closing CD rec'd.  - Due Diligence Vendor-12/23/2024

Final Settlement Statement.pdf CD-Final.pdf

XX

Primary Residence

Purchase

NA

2975447

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304002

Closed

2024-12-11 17:08

2024-12-18 18:14

Resolved

1 - Information

Compliance

Missing Doc

Missing evidence of rate lock

Resolved-Received rate lock and corresponding LE. Condition cleared. - Due Diligence Vendor-12/18/2024 Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/18/2024 Ready for Review-Document Uploaded.  - Seller-12/17/2024 Open-Evidence of Rate Lock Missing Rate lock date missing from loan file. Rate lock disclosure in file does not specify when the loan was locked but only provides the disclosure date.  - Due Diligence Vendor-12/11/2024

Ready for Review-Document Uploaded.  - Seller-12/17/2024

Resolved-Received rate lock and corresponding LE. Condition cleared. - Due Diligence Vendor-12/18/2024  Resolved-Evidence of Rate Lock Provided - Due Diligence Vendor-12/18/2024

LE Initial Lock 10.17.pdf Lock In Agreement (13).pdf

XX

Primary Residence

Purchase

NA

2982653

N/A

N/A

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304025

Closed

2024-12-10 12:38

2025-01-06 21:54

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025 Open-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies - Due Diligence Vendor-12/10/2024

Acknowledged-Acknowledged by Client. - Due Diligence Vendor-01/06/2025

XX

Primary Residence

Purchase

NA

2969030

Investor Post-Close

No

XXXXXXXX XXXXXXXXX XXXXXXXX

20250304017

Closed

2024-12-10 17:52

2024-12-11 21:06

Acknowledged

1 - Information

Property

Value

S&P value equals B, secondary product within tolerance

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-12/11/2024

Acknowledged-S&P value equals B, secondary product within tolerance. This finding will be rated a B for S&P. All other agencies will be rated as A.  - Due Diligence Vendor-12/11/2024

XX

Primary Residence

Purchase

NA

2973344

Investor Post-Close

No