Supplemental Data

Run Date - 6/2/2025 11:17:03 AM

SitusAMC Loan ID

Customer Loan ID

Seller Loan ID

Investor Loan Number

Unique Loan ID

TILA Status Loan Designation

Exempt QM/ATR Equivalency

CDFI Bank Originated Loan

Application Date

TRID Tested

GSE

HOEPA Fees

TILA Fees

Rate Lock Date

Calculated APR

Original P&I

Qualifying P&I

Qualifying Rate

Is Borrower Non Occupant

Is Co Borrower Non Occupant

Borrower Employment Indicator

Co Borrower Employment Indicator

Co Borrower 2 Employment Indicator

Co Borrower 3 Employment Indicator

Co Borrower2 Length of Employment

Co Borrower3 Length of Employment

Borrower Foreign National Indicator

Co Borrower Foreign National Indicator

Co Borrower 2 Foreign National Indicator

Co Borrower 3 Foreign National Indicator

Borrower Country Name

Co Borrower Country Name

Co Borrower2 Country Name

Co Borrower3 Country Name

Residual Income

Num Units

Annual Property Tax

Annual Insurance Costs

Monthly Property Tax

Monthly Insurance Costs

HOA Name

HOA Address State

Fee Amount

Next Due Date

HOA Payment Frequency

Investor DTI

QM DTI

Non QM DTI

Original Credit Report Date

Qualifying Credit Score

Third Wage Earner Original FICO Equifax

Third Wage Earner Original FICO Experian

Third Wage Earner Original FICO Transunion

Fourth Wage Earner Original FICO Equifax

Fourth Wage Earner Original FICO Experian

Fourth Wage Earner Original FICO Transunion

Most Recent Updated Credit Report Date

Primary Wage Earner Updated FICO Equifax

Primary Wage Earner Updated FICO Experian

Primary Wage Earner Updated FICO Transunion

Secondary Wage Earner Updated FICO Equifax

Secondary Wage Earner Updated FICO Experian

Secondary Wage Earner Updated FICO Transunion

Third Wage Earner Updated FICO Equifax

Third Wage Earner Updated FICO Experian

Third Wage Earner Updated FICO Transunion

Fourth Wage Earner Updated FICO Equifax

Fourth Wage Earner Updated FICO Experian

Fourth Wage Earner Updated FICO Transunion

Most Recent Updated Co Borrower 2 FICO

Most Recent Updated Co Borrower 3 FICO

Co Borrower 2 Asset Verification Level

Co Borrower 3 Asset Verification Level

Co Borrower 2 Income Verification Level

Co Borrower 3 Income Verification Level

Co Borrower 2 Employment Verification Level

Co Borrower 3 Employment Verification Level

Asset Depletion Flag

Bank Statements Flag

Number of Statements

Type of Statements

Percent of Income From Statements

Borrower Business Ownership %

CoBorrower Business Ownership %

P&L Type

Income Doc Detail

Tax Return Doc Details

Document Level

Document Type

Most Recent Bankruptcy Type

Most Recent Bankruptcy Filing Date

Most Recent Bankruptcy Discharge Date

Number of Bankruptcy Events

Months Bankruptcy (7, 11)

Months Bankruptcy (13)

Most Recent Deed-in -Lieu Date

Number of Deed-in-Lieu Events

Months Deed-in-Lieu

Most Recent Short Sale Date

Number of Short Sale Events

Months Short Sale (or Pre FC)

Most Recent Foreclosure Date

Number of Foreclosure Events

Months Foreclosure

Prior Mortgage/Rent Late 30d in 24m

Prior Mortgage/Rent Late 60d in 24m

Prior Mortgage/Rent Late 90d in 24m

Has ACH

Guideline Name

UW Guideline Author

ATR QM Total Points and Fees Audit

Loan Regulation Benchmark Date

Benchmark Rate

HUD 1 Page 1 Credits Total

Collateral Underwriter Risk Score

AUS Decision System

Property Inspection Waiver (PIW)

Rating Result

Eligible For Rep and Warrant Relief Per Collateral Advisor

Is Equity Shared Loan

Investor Qualifying Rate

Borrower Years of W2s

CoBorrower Years of W2s

Years of Personal Tax Returns

Years of Business Tax Returns

Years of 4506T

Years of Tax Transcripts

Months of Personal Bank Statements

Months of Business Bank Statements

Months of Profit and Loss Statements

Expense Letter

DSCR

Inverse DSCR

Subordinate Lien Type

Is Shared Appreciation Mortgage

Duration of Payout Months

Seller VSH Indicator

Seller Indicated VSH Guideline

Validated VSH

IO Remaining Amortization Term at Recast

Maturity Date

Borrower Own Funds Cash Amount

Borrower Own Funds Percent

Is the Note an eNote

Borrower WVOE - # of Months of Income provided

Co Borrower WVOE - # of Months of Income provided

Co Borrower2 WVOE - # of Months of Income provided

Co Borrower3 WVOE - # of Months of Income provided

Were the origination guidelines utilized for this diligence review?

Title Evidence

Ownership Type

Borrower Type

Borrower Designation

Co Borrower Type

Co Borrower Designation

Co Borrower2 Type

Co Borrower2 Designation

Co Borrower3 Type

Co Borrower3 Designation

Senior Lien Position

Senior Lien Original Loan Amount

Senior Lien Original Interest Rate

Senior Lien Note Projected Closing Date

Senior Lien Current Balance

Senior Lien Current P&I

Loan Closed in the Name of an Entity

Note Executed by

Assumable Mortgage Flag

Leasehold Flag

Buydown Flag

Borrower Experian FICO Model Used

Borrower Equifax FICO Model Used

Borrower TransUnion FICO Model Used

Co Borrower Experian FICO Model Used

Co Borrower Equifax FICO Model Used

Co Borrower TransUnion FICO Model Used

Co Borrower2 Experian FICO Model Used

Co Borrower2 Equifax FICO Model Used

Co Borrower2 TransUnion FICO Model Used

Co Borrower3 Experian FICO Model Used

Co Borrower3 Equifax FICO Model Used

Co Borrower3 TransUnion FICO Model Used

Borrower Documentation Used to Determine Legal Residency

Co Borrower Documentation Used to Determine Legal Residency

Co Borrower2 Documentation Used to Determine Legal Residency

Co Borrower3 Documentation Used to Determine Legal Residency

Delayed Financing?

Months Reserves

Correspondent Type

Departure Residence

Rate Increase on Default

MERS Min Number

Co Borrower Other Income

Co Borrower Wage Income

Primary Housing Lates 0 6 Months 30

Primary Housing Lates 0 6 Months 60

Primary Housing Lates 0 6 Months 90

Primary Housing Lates 7 12 Months 30

Primary Housing Lates 7 12 Months 60

Primary Housing Lates 7 12 Months 90

Primary Housing Lates 13 24 Months 30

Primary Housing Lates 13 24 Months 60

Primary Housing Lates 13 24 Months 90

Primary Housing Lates 25 36 Months 30

Primary Housing Lates 25 36 Months 60

Primary Housing Lates 25 36 Months 90

[redacted}

[redacted}

[redacted}

[redacted}

79546451

Safe Harbor QM (APOR)

Yes

No

$13,049.82

$23,230.88

XXX

XXX

XXX

XXX

No

No

Self-Employed

Employed

US Citizen

US Citizen

$14,901.38

1

$19,287.60

$2,845.68

$1,607.30

$237.14

40.653%

40.653%

40.653%

4/XX/2022

802

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Business License - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2022 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2022 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2022

[Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Full

0

0

0

XXX

$13,049.82

XXX

$5,000.00

3.1

DU

ApproveIneligible

No

No

XXXX

2

0

1

0

3

0

No

Not Stated

7/XX/2052

XXX

23.000%

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

9.73

No

XXX

$0.00

$9,375.58

[redacted}

[redacted}

[redacted}

[redacted}

75856170

Safe Harbor QM (APOR)

Yes

No

$22,312.50

$25,600.65

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$80,629.75

1

$8,014.44

$3,293.04

$667.87

$274.42

14.794%

14.794%

14.794%

4/XX/2022

757

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2021

[Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Full

0

0

0

XXX

$22,312.50

XXX

$0.00

1.1

DU

ApproveIneligible

No

No

XXXX

0

1

0

3

0

No

Not Stated

7/XX/2052

XXX

34.000%

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

25.41

Yes

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72594598

Higher Priced QM (APOR)

Yes

No

$40,795.20

$42,733.30

XXX

XXX

XXX

XXX

No

No

Self-Employed

Self-Employed

US Citizen

US Citizen

$22,060.06

1

$24,108.48

$5,575.44

$2,009.04

$464.62

45.535%

45.535%

45.535%

6/XX/2022

743

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2020 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2022 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2021 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2021 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2021 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2020 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2020 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2020 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2019 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2019 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2019

[Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 1040 - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 1040 - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 1040 - 2019 [Coborrower]; 4506-C - 2019 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Full

0

0

0

XXX

$40,795.20

XXX

$0.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

0

2

3

0

3

0

No

Not Stated

8/XX/2052

XXX

3.000%

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

9.78

Yes

No

XXX

$12,327.13

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73405319

Safe Harbor QM (APOR)

Yes

No

$1,390.00

$7,061.69

XXX

XXX

XXX

XXX

No

No

Self-Employed

Not Employed

Self-Employed

5.53

US Citizen

US Citizen

US Citizen

$23,449.44

1

$25,233.48

$11,997.72

$2,102.79

$999.81

48.780%

48.780%

48.780%

5/XX/2022

709

783

775

779

Level 1-Not Stated/Not Verified

Level 5-Stated/Verified as defined

Level 3-Stated/Verified as defined

No

No

[Borrower -  | Primary Income - Partnership (>= 25%)]; Other - 2022 [Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2022 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2021 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2021 [Borrower -  | Primary Income - Partnership (>= 25%)]; Other - 2021 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2020 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2020 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2020 [Borrower -  | Primary Income - Partnership (>= 25%)]; Other - 2020 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2019 [Coborrower(s) -  | Primary Income - Sole Proprietor]; Third Party Verification - 2022

[Borrower]; 1040 - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; Account Transcripts - 2021 [Borrower]; 1040 - 2020 [Borrower]; 4506-C - 2020 [Borrower]; 4506-C - 2020 [Borrower]; Account Transcripts - 2020 [Borrower]; 4506-C - 2019 [Borrower]; 4506-C - 2019 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; Account Transcripts - 2021 [Coborrower]; 1040 - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; 4506-C - 2020 [Coborrower]; Account Transcripts - 2020 [Coborrower]; 4506-C - 2019 [Coborrower]; 4506-C - 2019

Full Documentation (F)

Full

0

0

0

XXX

$1,390.00

XXX

$0.00

1.8

LP / LPA

Caution/Ineligible

No

No

XXXX

0

0

2

0

3

2

No

Not Stated

8/XX/2052

XXX

26.000%

Commitment

Fee Simple

Individual

Individual

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

10.21

No

No

XXX

$19,278.29

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

79596613

Safe Harbor QM (APOR)

Yes

Yes

$1,450.00

$3,701.24

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$17,707.03

1

$6,244.92

$591.72

$520.41

$49.31

32.146%

32.146%

32.146%

8/XX/2024

806

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; VVOE - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2024

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,450.00

XXX

$0.00

1.0

DU

ApproveEligible

N/A

No

XXXX

2

0

0

0

2

0

0.00

No

Not Stated

11/XX/2054

XXX

64.000%

No

32

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

37.18

Yes

No

XXX

$0.00

$10,678.98

[redacted}

[redacted}

[redacted}

[redacted}

75622179

Safe Harbor QM (APOR)

Yes

Yes

$1,520.00

$2,975.12

XXX

XXX

XXX

XXX

No

No

Self-Employed

Employed

US Citizen

US Citizen

$22,602.54

1

$10,944.96

$1,887.96

$912.08

$157.33

34.532%

34.532%

34.532%

10/XX/2024

752

No

No

[Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2024 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$1,520.00

XXX

$0.00

LP / LPA

Accept/Eligible

Yes

No

XXXX

0

1

1

0

1

2

No

Not Stated

12/XX/2054

XXX

100.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

776.46

No

No

XXX

$0.00

$16,943.33

[redacted}

[redacted}

[redacted}

[redacted}

78264322

Safe Harbor QM (APOR)

Yes

Yes

$1,853.20

$4,592.48

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$41,690.29

1

$1,698.00

$1,978.68

$141.50

$164.89

19.374%

19.374%

19.374%

10/XX/2024

816

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2024

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$1,853.20

XXX

$0.00

1.9

LP / LPA

Accept/Eligible

N/A

No

XXXX

0

0

0

0

2

0

0.00

No

Not Stated

1/XX/2055

XXX

72.000%

No

34

34

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

64.47

No

No

XXX

$0.00

$29,333.41

[redacted}

[redacted}

[redacted}

[redacted}

78879316

Safe Harbor QM (APOR)

Yes

No

$1,920.00

$9,203.98

XXX

XXX

XXX

XXX

No

No

Self-Employed

Not Employed

US Citizen

US Citizen

$51,129.63

1

$14,841.48

$2,381.04

$1,236.79

$198.42

22.880%

22.880%

22.880%

10/XX/2024

797

No

No

[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$1,920.00

XXX

$0.00

5.0

DU

ApproveIneligible

No

No

XXXX

0

0

1

0

1

0

No

Not Stated

1/XX/2055

XXX

55.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

31.05

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75559403

Safe Harbor QM (APOR)

Yes

No

$13,796.40

$14,576.34

XXX

XXX

XXX

XXX

No

No

Self-Employed

Not Employed

US Citizen

US Citizen

$38,655.73

1

$31,645.44

$11,414.04

$2,637.12

$951.17

44.288%

44.288%

44.288%

1/XX/2025

723

No

No

[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Business License - 2024 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$13,796.40

XXX

$0.00

4.8

DU

ApproveIneligible

No

No

XXXX

1

0

1

0

2

1

No

Not Stated

3/XX/2055

XXX

14.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

80.28

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71521362

Safe Harbor QM (APOR)

Yes

No

$6,490.00

$14,594.35

XXX

XXX

XXX

XXX

No

No

Self-Employed

Employed

US Citizen

US Citizen

$15,647.00

1

$33,578.76

$1,487.04

$2,798.23

$123.92

49.658%

49.658%

49.658%

11/XX/2024

765

No

No

[Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$6,490.00

XXX

$44,522.16

1.9

LP / LPA

Accept/Ineligible

N/A

No

XXXX

0

1

1

0

2

0

No

Not Stated

1/XX/2055

XXX

69.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

60.26

No

XXX

$0.00

$15,600.00

[redacted}

[redacted}

[redacted}

[redacted}

72429608

Safe Harbor QM (APOR)

Yes

No

$35,065.73

$22,021.11

XXX

XXX

XXX

XXX

No

No

Not Employed

US Citizen

$22,922.42

1

$17,353.08

$5,341.68

$1,446.09

$445.14

33.229%

33.229%

33.229%

11/XX/2024

792

No

No

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$35,065.73

XXX

$24,000.00

4.6

LP / LPA

Accept/Ineligible

Yes

No

XXXX

0

1

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

66.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac

Beacon 5.0

FICO Risk Score Classic 04

67.2

Yes

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75641043

Safe Harbor QM (APOR)

Yes

No

$2,747.50

$8,422.38

XXX

XXX

XXX

XXX

No

No

Self-Employed

Not Employed

US Citizen

US Citizen

$69,541.84

1

$24,157.68

$3,205.32

$2,013.14

$267.11

30.233%

30.233%

30.233%

12/XX/2024

793

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$2,747.50

XXX

$0.00

2.7

DU

ApproveIneligible

No

No

XXXX

0

0

1

0

2

0

No

Not Stated

1/XX/2055

XXX

68.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

70.18

Yes

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72125391

Safe Harbor QM (APOR)

Yes

No

$1,640.00

$5,808.25

XXX

XXX

XXX

XXX

No

No

Employed

Non-Employment Income

US Citizen

US Citizen

$20,289.73

1

$27,741.84

$3,042.00

$2,311.82

$253.50

49.363%

49.363%

49.363%

9/XX/2024

756

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - Trust Income]; Trust Agreement - 2024 [Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

2.2

DU

ApproveIneligible

No

No

XXXX

2

0

2

0

2

2

0.00

No

Not Stated

1/XX/2055

XXX

No

32

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

20.81

No

No

XXX

$21,119.72

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73163986

Safe Harbor QM (APOR)

Yes

No

$5,205.00

$12,707.99

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$32,768.55

1

$14,962.56

$5,215.92

$1,246.88

$434.66

42.834%

42.834%

42.834%

10/XX/2024

777

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; VVOE - 2024 [Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2024 [Borrower -  | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2024

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021

Full Documentation (F)

WVOE

0

0

0

XXX

$5,205.00

XXX

$12,500.00

3.2

DU

ApproveIneligible

No

No

XXXX

0

0

1

0

3

1

0.00

No

Not Stated

11/XX/2054

XXX

32.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

17.96

Yes

No

XXX

$0.00

$10,833.33

[redacted}

[redacted}

[redacted}

[redacted}

78730481

Safe Harbor QM (APOR)

Yes

Yes

$6,883.08

$9,646.96

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$18,554.35

1

$4,550.04

$0.00

$379.17

$0.00

29.314%

29.314%

29.314%

11/XX/2024

711

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; VVOE - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

WVOE

1

0

0

XXX

$6,883.08

XXX

$0.00

1.0

LP / LPA

Accept/Eligible

N/A

No

XXXX

1

0

0

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

30.000%

No

22

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

5.7

No

No

XXX

$0.00

$17,916.00

[redacted}

[redacted}

[redacted}

[redacted}

79553440

Safe Harbor QM (APOR)

Yes

Yes

$1,640.00

$5,431.86

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$21,123.79

1

$10,346.52

$1,247.88

$862.21

$103.99

36.928%

36.928%

36.928%

10/XX/2024

783

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower -  | Primary Income - Wages]; VVOE - 2024

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; Transcripts (1040) - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

LP / LPA

Accept/Eligible

N/A

No

XXXX

0

2

0

3

3

0.00

No

Not Stated

1/XX/2055

XXX

90.000%

No

3

Yes

Final

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

91.58

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76906489

Safe Harbor QM (APOR)

Yes

No

$24,770.86

$32,930.72

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$31,183.22

1

$82,074.96

$2,862.00

$6,839.58

$238.50

49.998%

49.998%

49.998%

11/XX/2024

781

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Wages]; Other - 2024 [Borrower -  | Non-Primary Income - Wages]; Other - 2024 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Non-Primary Income - Wages]; VVOE - 2024 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2024

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$24,770.86

XXX

$0.00

3.0

DU

ApproveIneligible

N/A

No

XXXX

2

1

0

1

0

No

Not Stated

1/XX/2055

XXX

51.000%

No

Yes

Final

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

24.29

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77791578

Safe Harbor QM (APOR)

Yes

No

$1,895.00

$11,267.32

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$19,707.96

1

$34,062.48

$2,489.04

$2,838.54

$207.42

42.621%

42.621%

42.621%

12/XX/2024

806

No

No

[Borrower -  | Primary Income - Wages]; Account Statements - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower -  | Primary Income - Wages]; VVOE - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022 [Borrower -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,895.00

XXX

$0.00

1.7

LP / LPA

Accept/Ineligible

Yes

No

XXXX

2

0

0

2

0

0.00

No

Not Stated

2/XX/2055

XXX

52.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

25.95

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77373817

Safe Harbor QM (APOR)

Yes

No

$1,995.00

$4,846.89

XXX

XXX

XXX

XXX

No

No

Self-Employed

Self-Employed

US Citizen

US Citizen

$39,588.40

1

$23,382.12

$9,297.00

$1,948.51

$774.75

37.443%

37.443%

37.443%

10/XX/2024

759

No

No

[Borrower -  | Non-Primary Income - Wages]; VVOE - 2025 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2023 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2022 [Borrower -  | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Non-Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Non-Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Non-Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Non-Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Non-Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) -  | Non-Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; P&L Statement - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,995.00

XXX

$0.00

4.2

DU

ApproveIneligible

No

No

XXXX

2

2

2

0

2

0

No

Not Stated

2/XX/2055

XXX

30.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

6.87

Yes

No

XXX

$27,630.42

$3,665.26

[redacted}

[redacted}

[redacted}

[redacted}

73135869

Safe Harbor QM (APOR)

Yes

Yes

$1,499.00

$4,703.10

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$17,190.47

1

$7,033.56

$2,403.00

$586.13

$200.25

38.320%

38.320%

38.320%

1/XX/2025

787

No

No

[Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,499.00

XXX

$5,181.00

5.0

DU

ApproveEligible

N/A

No

XXXX

2

0

0

3

1

0.00

No

Not Stated

3/XX/2055

XXX

45.000%

No

25

Yes

Final

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

8.51

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74257524

Safe Harbor QM (APOR)

Yes

No

$16,195.00

$0.00

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Non-Employment Income

US Citizen

US Citizen

$26,529.36

1

$10,127.52

$7,005.00

$843.96

$583.75

49.692%

49.692%

49.692%

1/XX/2025

764

No

No

[Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2024 [Coborrower(s) -  | Primary Income - IRA Distribution]; Account Statements - 2024 [Coborrower(s) -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$16,195.00

XXX

$19,385.00

2.6

DU

ApproveIneligible

No

No

XXXX

0

0

0

0

2

0

0.00

No

Not Stated

2/XX/2055

XXX

62.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

FICO II

Beacon 5.0

FICO Risk Score Classic 04

48.8

No

No

XXX

$47,733.91

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72887584

Safe Harbor QM (APOR)

Yes

No

$11,193.71

$15,602.96

XXX

XXX

XXX

XXX

No

No

Employed

Employed

Permanent Resident Alien

US Citizen

$17,789.44

1

$16,692.84

$2,166.00

$1,391.07

$180.50

39.181%

39.181%

39.181%

12/XX/2024

768

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Tax Return Extension - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Tax Return Extension - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$11,193.71

XXX

$4,764.64

1.5

DU

ApproveIneligible

N/A

No

XXXX

1

2

2

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

25.000%

No

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

Yes

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Resident Alien Card

5.22

No

XXX

$0.00

$12,916.67

[redacted}

[redacted}

[redacted}

[redacted}

71142246

Safe Harbor QM (APOR)

Yes

No

$8,995.00

$11,713.73

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$21,914.50

1

$15,892.44

$2,010.00

$1,324.37

$167.50

41.834%

41.834%

41.834%

1/XX/2025

773

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) -  | Non-Primary Income - VA Service Related Disability]; Other - 2025 [Coborrower(s) -  | Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$8,995.00

XXX

$0.00

1.7

LP / LPA

Accept/Ineligible

N/A

No

XXXX

3

2

0

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

79.000%

No

25

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

92.4

No

No

XXX

$4,443.55

$8,116.68

[redacted}

[redacted}

[redacted}

[redacted}

75563484

Safe Harbor QM (APOR)

Yes

Yes

$4,919.48

$5,895.08

XXX

XXX

XXX

XXX

No

No

Self-Employed

Employed

US Citizen

US Citizen

$8,858.81

1

$2,996.40

$1,785.00

$249.70

$148.75

48.763%

48.763%

48.763%

1/XX/2025

767

No

No

[Borrower -  | Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Primary Income - Sole Proprietor]; 1099 - 2023 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$4,919.48

XXX

$0.00

LP / LPA

Accept/Eligible

Yes

No

XXXX

0

3

2

0

2

0

No

Not Stated

3/XX/2055

XXX

29.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

11.07

No

No

XXX

$0.00

$16,248.33

[redacted}

[redacted}

[redacted}

[redacted}

74037995

Safe Harbor QM (APOR)

Yes

No

$2,020.00

$5,727.46

XXX

XXX

XXX

XXX

No

No

Self-Employed

Self-Employed

US Citizen

US Citizen

$25,540.20

1

$23,656.80

$28,136.76

$1,971.40

$2,344.73

45.601%

45.601%

45.601%

1/XX/2025

781

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Business Account Transcripts - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - C-Corp]; 1120 - 2023 [Borrower -  | Non-Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - C-Corp]; W-2 Transcript - 2023 [Borrower -  | Non-Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - C-Corp]; 1120 - 2023 [Borrower -  | Non-Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - C-Corp]; W-2 Transcript - 2023 [Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Business Return Transcripts - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Non-Primary Income - C-Corp]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - C-Corp]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - C-Corp]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - C-Corp]; 1120 - 2023 [Coborrower(s) -  | Non-Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Coborrower(s) -  | Non-Primary Income - C-Corp]; W-2 - 2023 [Coborrower(s) -  | Non-Primary Income - C-Corp]; W-2 Transcript - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$2,020.00

XXX

$0.00

3.1

LP / LPA

Accept/Ineligible

No

No

XXXX

1

1

1

0

2

1

No

Not Stated

4/XX/2055

XXX

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

6.51

No

XXX

$17,000.79

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73704394

Safe Harbor QM (APOR)

Yes

No

$1,595.00

$3,246.75

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$40,191.47

1

$42,030.36

$8,102.04

$3,502.53

$675.17

49.640%

49.640%

49.640%

2/XX/2025

756

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,595.00

XXX

$0.00

3.2

LP / LPA

Accept/Ineligible

No

No

XXXX

3

2

2

0

2

2

0.00

No

Not Stated

3/XX/2055

XXX

31.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

9.02

No

No

XXX

$0.00

$50,641.34

[redacted}

[redacted}

[redacted}

[redacted}

76716756

Safe Harbor QM (APOR)

Yes

Yes

$10,865.00

$18,066.61

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$17,998.27

1

$8,304.12

$3,384.96

$692.01

$282.08

31.990%

31.990%

31.990%

11/XX/2024

798

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$10,865.00

XXX

$0.00

4.3

DU

ApproveEligible

Yes

No

XXXX

1

3

1

0

3

2

0.00

No

Not Stated

3/XX/2055

XXX

80.000%

No

6

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

109.29

No

XXX

$0.00

$6,880.72

[redacted}

[redacted}

[redacted}

[redacted}

72735220

Safe Harbor QM (APOR)

Yes

No

$14,175.00

$22,172.06

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$14,186.18

1

$14,367.00

$3,529.80

$1,197.25

$294.15

37.912%

37.912%

37.912%

1/XX/2025

778

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$14,175.00

XXX

$0.00

1.4

DU

ApproveIneligible

N/A

No

XXXX

1

1

2

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

24.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

FICO II

Beacon 5.0

FICO Risk Score Classic 04

1.79

No

XXX

$0.00

$9,371.33

[redacted}

[redacted}

[redacted}

[redacted}

77181283

Safe Harbor QM (APOR)

Yes

No

$4,025.00

$8,466.25

XXX

XXX

XXX

XXX

No

No

Self-Employed

Self-Employed

US Citizen

US Citizen

$31,322.02

1

$3,408.84

$1,437.00

$284.07

$119.75

17.994%

17.994%

17.994%

1/XX/2025

806

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$4,025.00

XXX

$0.00

LP / LPA

Accept/Ineligible

Yes

No

XXXX

0

0

1

0

3

0

No

Not Stated

3/XX/2055

XXX

45.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

37.74

Yes

No

XXX

$16,597.46

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71307122

Safe Harbor QM (APOR)

Yes

Yes

$1,499.00

$3,384.44

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$14,492.06

1

$3,930.00

$1,316.04

$327.50

$109.67

28.961%

28.961%

28.961%

1/XX/2025

771

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,499.00

XXX

$0.00

1.0

DU

ApproveEligible

Yes

No

XXXX

2

0

0

3

2

0.00

No

Not Stated

3/XX/2055

XXX

56.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

35.07

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73449101

Safe Harbor QM (APOR)

Yes

Yes

$1,948.00

$5,738.80

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$23,188.63

1

$16,267.80

$1,593.00

$1,355.65

$132.75

23.661%

23.661%

23.661%

1/XX/2025

808

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,948.00

XXX

$0.00

1.0

LP / LPA

Accept/Eligible

Yes

No

XXXX

2

0

0

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

58.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

23.91

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

79568626

Safe Harbor QM (APOR)

Yes

No

$1,840.00

$7,290.50

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$20,613.94

2

$24,963.60

$1,588.56

$2,080.30

$132.38

48.921%

48.921%

48.921%

1/XX/2025

771

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; Account Statements - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Tax Return Extension - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,840.00

XXX

$0.00

DU

ApproveIneligible

No

No

XXXX

3

3

2

0

3

2

0.00

No

Not Stated

3/XX/2055

XXX

78.000%

No

24

24

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

89.76

Yes

No

XXX

$0.00

$22,817.30

[redacted}

[redacted}

[redacted}

[redacted}

73545330

Safe Harbor QM (APOR)

Yes

No

$2,020.00

$0.00

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$19,457.74

1

$13,035.60

$1,956.96

$1,086.30

$163.08

37.611%

37.611%

37.611%

1/XX/2025

752

No

No

[Borrower -  | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Borrower Intent to Return to Work Letter - 2025 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$2,020.00

XXX

$0.00

2.2

DU

ApproveIneligible

N/A

No

XXXX

2

2

0

0

2

0

0.00

No

Not Stated

3/XX/2055

XXX

No

22

24

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

11.75

No

No

XXX

$0.00

$12,187.97

[redacted}

[redacted}

[redacted}

[redacted}

72634539

Safe Harbor QM (APOR)

Yes

Yes

$10,022.50

$13,830.29

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$8,732.11

1

$13,112.52

$1,865.04

$1,092.71

$155.42

48.147%

48.147%

48.147%

1/XX/2025

792

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$10,022.50

XXX

$0.00

1.0

LP / LPA

Accept/Eligible

Yes

No

XXXX

1

1

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

31.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

6.68

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74746673

Safe Harbor QM (APOR)

Yes

No

$24,670.00

$7,304.55

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$67,156.23

1

$34,562.52

$2,688.00

$2,880.21

$224.00

16.743%

16.743%

16.743%

12/XX/2024

811

No

No

[Borrower -  | Primary Income - Wages]; Account Statements - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$24,670.00

XXX

$2,000.00

3.5

LP / LPA

Accept/Ineligible

No

No

XXXX

2

0

0

2

0

0.00

No

Not Stated

3/XX/2055

XXX

61.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

34.82

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

78384474

Safe Harbor QM (APOR)

Yes

Yes

$3,920.00

$7,515.25

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$5,549.43

1

$12,419.28

$1,857.00

$1,034.94

$154.75

46.853%

46.853%

46.853%

1/XX/2025

797

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2021

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$3,920.00

XXX

$0.00

1.0

DU

ApproveEligible

Yes

No

XXXX

4

0

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

100.000%

No

24

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

159.3

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75189327

Safe Harbor QM (APOR)

Yes

Yes

$1,995.00

$6,115.82

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$33,137.48

1

$15,437.52

$1,881.00

$1,286.46

$156.75

41.718%

41.718%

41.718%

1/XX/2025

774

No

No

[Borrower -  | Primary Income - K-1 (< 25%)]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; VVOE - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Primary Income - K-1 (< 25%)]; W-2 Transcript - 2023 [Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower -  | Primary Income - K-1 (< 25%)]; W-2 Transcript - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,995.00

XXX

$5,000.00

1.6

DU

ApproveEligible

Yes

No

XXXX

2

2

0

2

0

No

Not Stated

3/XX/2055

XXX

73.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

83.5

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74840008

Safe Harbor QM (APOR)

Yes

No

$10,939.83

$13,557.31

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$25,019.52

1

$28,641.60

$1,893.00

$2,386.80

$157.75

43.303%

43.303%

43.303%

1/XX/2025

732

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$10,939.83

XXX

$0.40

1.1

DU

ApproveIneligible

No

No

XXXX

2

2

1

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

43.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

Yes

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

26.62

Yes

No

XXX

$0.00

$16,407.73

[redacted}

[redacted}

[redacted}

[redacted}

73281475

Safe Harbor QM (APOR)

Yes

No

$15,000.00

$10,623.17

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Employed

US Citizen

US Citizen

$15,267.28

1

$26,250.00

$2,385.12

$2,187.50

$198.76

48.582%

48.582%

48.582%

1/XX/2025

807

Yes

No

[Borrower -  | Primary Income - Asset Depletion]; Verification of Deposit - 2025 [Borrower -  | Primary Income - Asset Depletion]; Account Statements - 2024 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Other Documentation (O)

Asset Depletion

0

0

0

XXX

$15,000.00

XXX

$0.00

4.4

LP / LPA

Accept/Ineligible

No

No

XXXX

0

2

1

0

2

0

0.00

No

240

Not Stated

4/XX/2055

XXX

73.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

FICO Classic V5 Facta

FICO Risk Score Classic 04

66.87

Yes

No

XXX

$10,500.00

$16,658.60

[redacted}

[redacted}

[redacted}

[redacted}

79420967

Safe Harbor QM (APOR)

Yes

No

$2,255.00

$12,640.25

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$31,781.17

1

$23,579.04

$4,338.00

$1,964.92

$361.50

48.514%

48.514%

48.514%

1/XX/2025

749

No

No

Borrower Prepared

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$2,255.00

XXX

$750.00

1.8

DU

ApproveIneligible

No

No

XXXX

2

1

0

1

0

0.00

No

Not Stated

4/XX/2055

XXX

24.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

13.02

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76903771

Safe Harbor QM (APOR)

Yes

No

$3,478.43

$5,025.90

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$16,867.48

1

$11,181.48

$1,837.20

$931.79

$153.10

38.757%

38.757%

38.757%

1/XX/2025

790

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$3,478.43

XXX

$0.00

4.3

DU

ApproveIneligible

Yes

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

No

24

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

23.98

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75973928

Safe Harbor QM (APOR)

Yes

No

$1,640.00

$3,365.32

XXX

XXX

XXX

XXX

No

No

Not Employed

Employed

US Citizen

US Citizen

$15,260.12

1

$12,912.96

$4,299.96

$1,076.08

$358.33

41.401%

41.401%

41.401%

1/XX/2025

761

No

No

[Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

3.9

DU

ApproveIneligible

No

No

XXXX

0

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

48.000%

No

36

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

18.05

No

No

XXX

$0.00

$26,041.67

[redacted}

[redacted}

[redacted}

[redacted}

79166123

Safe Harbor QM (APOR)

Yes

Yes

$1,100.00

$2,160.59

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$15,598.18

1

$8,927.64

$2,888.04

$743.97

$240.67

29.367%

29.367%

29.367%

2/XX/2025

797

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Year End Summary - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,100.00

XXX

$0.00

2.9

LP / LPA

Accept/Eligible

Yes

No

XXXX

2

1

0

3

1

0.00

No

Not Stated

4/XX/2055

XXX

47.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

6.42

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77866154

Safe Harbor QM (APOR)

Yes

No

$1,840.00

$9,436.70

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$19,580.56

1

$39,187.56

$2,301.96

$3,265.63

$191.83

48.789%

48.789%

48.789%

2/XX/2025

797

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,840.00

XXX

$0.00

1.0

DU

ApproveIneligible

No

No

XXXX

1

3

0

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

34.000%

No

6

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

14.29

No

XXX

$0.00

$21,151.99

[redacted}

[redacted}

[redacted}

[redacted}

73586645

Safe Harbor QM (APOR)

Yes

Yes

$8,567.00

$2,176.10

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$33,430.90

1

$5,420.76

$2,178.00

$451.73

$181.50

20.818%

20.818%

20.818%

2/XX/2025

797

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021

Full Documentation (F)

WVOE

0

0

0

XXX

$8,567.00

XXX

$20,186.00

1.2

DU

ApproveEligible

Yes

No

XXXX

0

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

47.000%

No

24

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

39.98

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75791204

Safe Harbor QM (APOR)

Yes

No

$18,728.00

$23,784.66

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$7,978.70

1

$7,481.16

$1,083.96

$623.43

$90.33

49.174%

49.174%

49.174%

2/XX/2025

750

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2023 [Borrower -  | Non-Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$18,728.00

XXX

$5,000.00

2.8

DU

ApproveIneligible

No

No

XXXX

3

3

0

0

3

0

0.00

No

Not Stated

5/XX/2055

XXX

25.000%

No

26

1

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

3.08

No

XXX

$0.00

$8,333.00

[redacted}

[redacted}

[redacted}

[redacted}

72504932

Safe Harbor QM (APOR)

Yes

Yes

$9,198.00

$11,134.29

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$63,905.78

1

$2,630.76

$2,474.40

$219.23

$206.20

11.191%

11.191%

11.191%

2/XX/2025

743

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Farming]; 1040 - Schedule F - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$9,198.00

XXX

$0.00

1.0

DU

ApproveEligible

N/A

No

XXXX

0

1

0

3

0

No

Not Stated

3/XX/2055

XXX

1.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

39.15

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75324633

Safe Harbor QM (APOR)

Yes

No

$2,145.00

$4,389.05

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Not Employed

US Citizen

US Citizen

$30,843.27

1

$7,467.00

$3,752.04

$622.25

$312.67

40.683%

40.683%

40.683%

12/XX/2024

786

No

No

[Borrower -  | Non-Primary Income - Social Security]; Account Statements - 2025 [Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower -  | Primary Income - IRA Distribution]; Account Statements - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$2,145.00

XXX

$1,500.00

5.0

DU

ApproveIneligible

No

No

XXXX

0

0

0

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

72.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

88.32

Yes

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71672764

Safe Harbor QM (APOR)

Yes

Yes

$1,995.00

$4,567.90

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$12,803.74

1

$16,250.04

$2,930.04

$1,354.17

$244.17

38.286%

38.286%

38.286%

2/XX/2025

798

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,995.00

XXX

$0.00

1.2

DU

ApproveEligible

Yes

No

XXXX

2

2

0

0

2

0

0.00

No

Not Stated

3/XX/2055

XXX

58.000%

No

25

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

9.68

No

XXX

$0.00

$7,749.99

[redacted}

[redacted}

[redacted}

[redacted}

74080819

Safe Harbor QM (APOR)

Yes

No

$1,637.00

$2,434.75

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Not Employed

US Citizen

US Citizen

$23,034.87

1

$11,861.64

$4,764.00

$988.47

$397.00

37.478%

37.478%

37.478%

12/XX/2024

787

No

No

[Borrower -  | Non-Primary Income - Wages]; Other - 2025 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Non-Primary Income - Wages]; WVOE - 2025 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Note Receivable]; Account Statements - 2025 [Borrower -  | Primary Income - Note Receivable]; Note - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,637.00

XXX

$0.00

4.1

DU

ApproveIneligible

N/A

No

XXXX

2

0

0

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

19.000%

No

24

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

33.55

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72076341

Safe Harbor QM (APOR)

Yes

No

$8,859.20

$3,070.64

XXX

XXX

XXX

XXX

No

No

Employed

Self-Employed

US Citizen

US Citizen

$18,472.17

1

$740.52

$1,092.00

$61.71

$91.00

41.497%

41.497%

41.497%

2/XX/2025

751

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; CPA Letter - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$8,859.20

XXX

$27,000.00

2.2

DU

ApproveIneligible

No

No

XXXX

2

0

1

0

3

1

0.00

No

Not Stated

4/XX/2055

XXX

52.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

63.11

Yes

No

XXX

$13,588.08

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77110190

Safe Harbor QM (APOR)

Yes

No

$11,475.15

$16,684.07

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$19,493.62

1

$5,803.56

$5,396.04

$483.63

$449.67

42.307%

42.307%

42.307%

1/XX/2025

763

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$11,475.15

XXX

$0.00

1.9

DU

ApproveIneligible

No

No

XXXX

1

2

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

59.000%

No

16

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

Yes

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

33.65

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74099228

Safe Harbor QM (APOR)

Yes

No

$1,640.00

$6,897.70

XXX

XXX

XXX

XXX

No

No

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$32,747.91

1

$37,456.08

$4,035.96

$3,121.34

$336.33

43.044%

43.044%

43.044%

2/XX/2025

756

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

1.4

DU

ApproveIneligible

No

No

XXXX

2

2

1

0

3

1

0.00

No

Not Stated

3/XX/2055

XXX

40.000%

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Resident Alien Card

Resident Alien Card

24.07

No

No

XXX

$0.00

$10,083.76

[redacted}

[redacted}

[redacted}

[redacted}

70320462

Safe Harbor QM (APOR)

Yes

No

$16,195.00

$10,756.98

XXX

XXX

XXX

XXX

No

No

Employed

Self-Employed

US Citizen

US Citizen

$20,417.96

1

$12,804.60

$5,601.96

$1,067.05

$466.83

46.853%

46.853%

46.853%

2/XX/2025

746

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$16,195.00

XXX

$25,224.24

2.5

DU

ApproveIneligible

N/A

No

XXXX

1

1

2

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

35.000%

No

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

FICO II

Beacon 5.0

FICO Risk Score Classic 04

16.91

Yes

No

XXX

$29,060.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74888384

Safe Harbor QM (APOR)

Yes

Yes

$5,424.72

$8,508.14

XXX

XXX

XXX

XXX

No

No

Employed

Non-Employment Income

US Citizen

US Citizen

$3,861.51

1

$3,058.20

$1,662.00

$254.85

$138.50

49.479%

49.479%

49.479%

2/XX/2025

810

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) -  | Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Other - 2025 [Coborrower(s) -  | Non-Primary Income - IRA Distribution]; Account Statements - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$5,424.72

XXX

$0.00

1.8

DU

ApproveEligible

Yes

No

XXXX

2

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

54.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

32.83

Yes

No

XXX

$2,560.83

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75018763

Safe Harbor QM (APOR)

Yes

No

$21,265.48

$35,866.22

XXX

XXX

XXX

XXX

No

No

Not Employed

Non-Employment Income

US Citizen

US Citizen

$23,554.44

1

$30,125.04

$1,177.92

$2,510.42

$98.16

41.114%

41.114%

41.114%

2/XX/2025

812

No

No

[Coborrower(s) -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Coborrower(s) -  | Primary Income - IRA Distribution]; Other - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$21,265.48

XXX

$0.00

1.8

DU

ApproveIneligible

N/A

No

XXXX

0

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

77.000%

No

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

FICO II

Beacon 5.0

FICO Risk Score Classic 04

86.51

Yes

No

XXX

$40,000.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76747510

Safe Harbor QM (APOR)

Yes

No

$1,890.00

$7,392.02

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$18,559.79

1

$28,074.24

$1,795.20

$2,339.52

$149.60

40.630%

40.630%

40.630%

2/XX/2025

784

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Other - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,890.00

XXX

$0.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

2

2

0

0

2

0

0.00

No

Not Stated

3/XX/2055

XXX

41.000%

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

38.83

No

XXX

$0.00

$10,566.91

[redacted}

[redacted}

[redacted}

[redacted}

70461645

Safe Harbor QM (APOR)

Yes

No

$15,619.40

$22,150.98

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$20,511.64

1

$17,068.08

$4,223.04

$1,422.34

$351.92

44.818%

44.818%

44.818%

1/XX/2025

776

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$15,619.40

XXX

$0.00

1.2

DU

ApproveIneligible

Yes

No

XXXX

2

1

0

2

0

No

Not Stated

3/XX/2055

XXX

22.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

23.37

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76700117

Safe Harbor QM (APOR)

Yes

No

$6,228.20

$11,265.81

XXX

XXX

XXX

XXX

No

No

Self-Employed

Employed

US Citizen

US Citizen

$27,886.22

1

$5,390.40

$2,875.44

$449.20

$239.62

41.710%

41.710%

41.710%

2/XX/2025

782

No

No

[Borrower -  | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$6,228.20

XXX

$0.00

4.3

LP / LPA

Accept/Ineligible

No

No

XXXX

0

2

2

0

3

0

No

Not Stated

4/XX/2055

XXX

61.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

45.23

Yes

No

XXX

$0.00

$38,750.01

[redacted}

[redacted}

[redacted}

[redacted}

71670688

Safe Harbor QM (APOR)

Yes

Yes

$7,653.00

$10,802.74

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$32,187.76

1

$4,756.68

$1,983.96

$396.39

$165.33

16.123%

16.123%

16.123%

2/XX/2025

770

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

WVOE

0

0

0

XXX

$7,653.00

XXX

$0.00

3.7

LP / LPA

Accept/Eligible

No

No

XXXX

2

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

20.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

19.13

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72446017

Safe Harbor QM (APOR)

Yes

Yes

$10,640.00

$13,983.25

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$25,674.57

1

$6,227.04

$2,051.04

$518.92

$170.92

28.558%

28.558%

28.558%

2/XX/2025

788

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$10,640.00

XXX

$0.00

1.5

DU

ApproveEligible

Yes

No

XXXX

3

3

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

38.000%

No

26

25

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

16.39

Yes

No

XXX

$0.00

$24,310.18

[redacted}

[redacted}

[redacted}

[redacted}

70343762

Safe Harbor QM (APOR)

Yes

Yes

$7,388.00

$11,804.85

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$7,821.20

1

$7,311.84

$3,572.04

$609.32

$297.67

48.548%

48.548%

48.548%

2/XX/2025

770

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$7,388.00

XXX

$0.00

1.0

DU

ApproveEligible

No

No

XXXX

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

72.000%

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

65.18

No

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76685247

Safe Harbor QM (APOR)

Yes

Yes

$1,276.05

$0.00

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$10,245.84

1

$5,125.68

$1,751.04

$427.14

$145.92

28.276%

28.276%

28.276%

2/XX/2025

776

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,276.05

XXX

$9,500.00

1.0

DU

ApproveEligible

Yes

No

XXXX

2

0

2

0

3

0

0.00

No

Not Stated

3/XX/2055

XXX

50.000%

No

0

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

14.34

No

XXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74030489

Safe Harbor QM (APOR)

Yes

Yes

$1,723.00

$3,600.96

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$12,279.14

1

$6,297.72

$1,989.96

$524.81

$165.83

41.774%

41.774%

41.774%

2/XX/2025

790

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$1,723.00

XXX

$0.00

3.6

LP / LPA

Accept/Eligible

No

No

XXXX

0

1

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

47.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

12.59

No

No

$0.00

$9,415.47

[redacted}

[redacted}

[redacted}

[redacted}

72139360

Safe Harbor QM (APOR)

Yes

No

$1,840.00

$813.40

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$17,583.08

2

$12,729.12

$8,121.00

$1,060.76

$676.75

43.118%

43.118%

43.118%

2/XX/2025

754

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; Other - 2024 [Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Tax Return Extension - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Tax Return Extension - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,840.00

XXX

$32,500.00

DU

ApproveIneligible

No

No

XXXX

3

3

2

0

3

2

0.00

No

Not Stated

5/XX/2055

XXX

58.000%

No

26

26

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

62.34

Yes

No

XXXX

$510.00

$14,083.33

[redacted}

[redacted}

[redacted}

[redacted}

78772767

Safe Harbor QM (APOR)

Yes

Yes

$2,008.50

$4,831.38

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$16,035.97

1

$11,013.48

$2,020.92

$917.79

$168.41

23.965%

23.965%

23.965%

2/XX/2025

758

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$2,008.50

XXX

$1,500.00

1.1

DU

ApproveEligible

Yes

No

XXXX

3

3

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

21.000%

No

14

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

56.27

No

XXXX

$0.00

$7,453.33

[redacted}

[redacted}

[redacted}

[redacted}

78635266

Safe Harbor QM (APOR)

Yes

No

$1,495.00

$5,244.74

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$10,292.01

1

$10,272.36

$2,265.00

$856.03

$188.75

44.815%

44.815%

44.815%

12/XX/2024

709

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$1,495.00

XXX

$0.00

3.4

DU

ApproveIneligible

No

No

XXXX

0

0

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

89.000%

No

20

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

101.15

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76612402

Safe Harbor QM (APOR)

Yes

No

$18,695.00

$27,636.34

XXX

XXX

XXX

XXX

No

No

Self-Employed

Employed

US Citizen

US Citizen

$27,345.54

1

$18,827.52

$1,184.04

$1,568.96

$98.67

35.683%

35.683%

35.683%

10/XX/2024

771

No

No

[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-T (for Business) - 2021 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Primary Income - Sole Proprietor]; Other - 2024 [Borrower -  | Primary Income - Sole Proprietor]; Other - 2024 [Borrower -  | Primary Income - Sole Proprietor]; Other - 2024 [Borrower -  | Primary Income - Sole Proprietor]; Other - 2024 [Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Borrower -  | Primary Income - Sole Proprietor]; Third Party Verification - 2024 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) -  | Primary Income - Wages]; Other - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2024 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2024

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Tax Return Extension - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Tax Return Extension - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$18,695.00

XXX

$0.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

0

0

2

0

3

0

No

Not Stated

2/XX/2055

XXX

No

2

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

6.72

No

XXXX

$0.00

$9,129.60

[redacted}

[redacted}

[redacted}

[redacted}

75863669

Safe Harbor QM (APOR)

Yes

No

$3,083.08

$6,809.80

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$21,802.30

1

$14,706.84

$5,925.60

$1,225.57

$493.80

44.524%

44.524%

44.524%

12/XX/2024

766

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2024 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2021 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$3,083.08

XXX

$0.00

1.2

LP / LPA

Accept/Ineligible

No

No

XXXX

2

2

1

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

No

35

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

28.62

No

No

XXXX

$0.00

$16,649.58

[redacted}

[redacted}

[redacted}

[redacted}

76962065

Safe Harbor QM (APOR)

Yes

No

$1,495.00

$7,693.18

XXX

XXX

XXX

XXX

No

No

Employed

Non-Permanent Resident Alien

$31,030.63

1

$15,955.20

$2,946.96

$1,329.60

$245.58

29.977%

29.977%

29.977%

11/XX/2024

747

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; Employer Letter - 2024 [Borrower -  | Primary Income - Wages]; Other - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Year End Summary - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Borrower -  | Primary Income - Wages]; Year End Summary - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,495.00

XXX

$0.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

51.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

VISA

40.16

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74218421

Safe Harbor QM (APOR)

Yes

No

$5,168.13

$7,724.73

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$14,043.65

2

$19,238.16

$7,538.64

$1,603.18

$628.22

44.891%

44.891%

44.891%

12/XX/2024

810

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$5,168.13

XXX

$0.00

DU

ApproveIneligible

No

No

XXXX

1

2

0

3

1

No

Not Stated

2/XX/2055

XXX

35.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

12.17

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71463822

Safe Harbor QM (APOR)

Yes

No

$6,456.00

$8,520.51

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$17,375.09

1

$17,409.96

$1,679.04

$1,450.83

$139.92

35.695%

35.695%

35.695%

12/XX/2024

768

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$6,456.00

XXX

$2,500.00

2.3

DU

ApproveIneligible

Yes

No

XXXX

2

2

0

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

51.000%

No

35

35

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

82.64

No

XXXX

$0.00

$7,833.35

[redacted}

[redacted}

[redacted}

[redacted}

77624467

Safe Harbor QM (APOR)

Yes

No

$1,995.00

$14,309.98

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$36,590.04

1

$21,325.32

$7,389.84

$1,777.11

$615.82

44.908%

44.908%

44.908%

12/XX/2024

819

No

No

[Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022 [Borrower -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,995.00

XXX

$0.00

3.5

DU

ApproveIneligible

No

No

XXXX

2

0

2

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

52.000%

No

35

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

32.51

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

78904515

Safe Harbor QM (APOR)

Yes

No

$1,690.00

$6,492.52

XXX

XXX

XXX

XXX

No

No

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$16,446.52

1

$22,678.32

$4,403.16

$1,889.86

$366.93

44.061%

44.061%

44.061%

1/XX/2025

739

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Employer Letter - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$1,690.00

XXX

$0.00

2.2

DU

ApproveIneligible

No

No

XXXX

1

2

1

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

37.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Resident Alien Card

Resident Alien Card

10.45

No

XXXX

$0.00

$14,575.60

[redacted}

[redacted}

[redacted}

[redacted}

73914395

Safe Harbor QM (APOR)

Yes

No

$20,640.00

$11,214.10

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$28,822.64

1

$2,296.68

$3,729.60

$191.39

$310.80

30.826%

30.826%

30.826%

11/XX/2024

753

No

No

[Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Other - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; WVOE - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$20,640.00

XXX

$0.00

1.7

DU

ApproveIneligible

No

No

XXXX

1

0

0

3

0

0.00

No

Not Stated

2/XX/2055

XXX

42.000%

No

35

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

14.16

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77488167

Safe Harbor QM (APOR)

Yes

No

$7,945.00

$14,526.55

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$11,045.85

1

$11,391.96

$1,065.96

$949.33

$88.83

46.847%

46.847%

46.847%

1/XX/2025

799

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$7,945.00

XXX

$15,000.00

2.1

DU

ApproveIneligible

N/A

No

XXXX

1

1

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

34.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

26.93

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74569040

Safe Harbor QM (APOR)

Yes

Yes

$4,444.00

$5,871.70

XXX

XXX

XXX

XXX

No

No

Employed

Non-Employment Income

US Citizen

US Citizen

$18,837.34

1

$7,926.12

$5,018.64

$660.51

$418.22

41.975%

41.975%

41.975%

2/XX/2025

808

No

No

[Coborrower(s) -  | Primary Income - Annuity]; 1099 - 2024 [Coborrower(s) -  | Primary Income - Annuity]; 1099 - 2023 [Coborrower(s) -  | Non-Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) -  | Non-Primary Income - Social Security]; 1099-SSA - 2023 [Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2024 [Borrower -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$4,444.00

XXX

$1,000.00

1.0

LP / LPA

Accept/Eligible

No

No

XXXX

2

0

0

0

3

2

0.00

No

Not Stated

4/XX/2055

XXX

100.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

192.86

No

No

XXXX

$15,597.87

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

70665433

Safe Harbor QM (APOR)

Yes

Yes

$11,480.50

$16,956.70

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$9,975.21

1

$13,571.28

$1,538.04

$1,130.94

$128.17

44.979%

44.979%

44.979%

1/XX/2025

749

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$11,480.50

XXX

$0.00

DU

ApproveEligible

N/A

No

XXXX

3

0

0

4

0

0.00

No

Not Stated

3/XX/2055

XXX

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

19.34

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

79772906

Safe Harbor QM (APOR)

Yes

No

$1,545.00

$0.38

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$10,584.95

1

$5,042.64

$4,071.00

$420.22

$339.25

46.464%

46.464%

46.464%

2/XX/2025

806

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,545.00

XXX

$10,000.00

1.5

LP / LPA

Accept/Ineligible

N/A

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

XXX

36.000%

No

22

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

18.87

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74043761

Safe Harbor QM (APOR)

Yes

No

$2,660.00

$4,393.10

XXX

XXX

XXX

XXX

No

No

Self-Employed

Self-Employed

US Citizen

US Citizen

$33,527.58

1

$16,083.84

$6,519.60

$1,340.32

$543.30

30.729%

30.729%

30.729%

2/XX/2025

788

No

No

[Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - Sole Proprietor]; Account Statements - Business - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; Other - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Coborrower(s) -  | Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - No Results Returned - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; Transcripts (1040) - No Results Returned - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$2,660.00

XXX

$20,000.00

4.3

DU

ApproveIneligible

No

No

XXXX

0

0

1

0

1

1

No

Not Stated

4/XX/2055

XXX

44.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

28.86

Yes

No

XXXX

$21,028.09

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

78019731

Safe Harbor QM (APOR)

Yes

No

$18,528.40

$10,035.47

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$29,421.25

1

$2,185.08

$3,940.20

$182.09

$328.35

21.068%

21.068%

21.068%

2/XX/2025

763

No

No

[Borrower -  | Primary Income - Partnership (>= 25%)]; CPA Letter - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2024 [Borrower -  | Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2024 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2024

[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$18,528.40

XXX

$0.00

5.0

DU

ApproveIneligible

No

No

XXXX

0

1

0

3

0

No

Not Stated

4/XX/2055

XXX

1.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

96.29

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71260198

Safe Harbor QM (APOR)

Yes

No

$15,195.00

$20,820.14

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$18,320.44

1

$389.04

$2,727.96

$32.42

$227.33

36.062%

36.062%

36.062%

2/XX/2025

773

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$15,195.00

XXX

$0.00

1.4

LP / LPA

Accept/Ineligible

No

No

XXXX

3

2

1

0

3

0

0.00

No

Not Stated

4/XX/2055

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

FICO II

Beacon 5.0

FICO Risk Score Classic 04

No

No

No

XXXX

$0.00

$9,836.67

[redacted}

[redacted}

[redacted}

[redacted}

74395069

Safe Harbor QM (APOR)

Yes

No

$10,736.00

$0.00

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$53,170.78

1

$19,928.40

$2,948.52

$1,660.70

$245.71

23.587%

23.587%

23.587%

2/XX/2025

782

No

No

[Borrower -  | Primary Income - Projected Income]; Employer Letter - 2025 [Borrower -  | Primary Income - Projected Income]; Employment Contract - 2024 [Coborrower(s) -  | Primary Income - Projected Income]; Employer Letter - 2025 [Coborrower(s) -  | Primary Income - Projected Income]; Employment Contract - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$10,736.00

XXX

$28,500.00

1.0

DU

ApproveIneligible

N/A

No

XXXX

0

0

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$1,933,073.58

68.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

83.26

No

XXXX

$40,416.67

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73866149

Safe Harbor QM (APOR)

Yes

No

$16,265.00

$2,087.44

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$22,533.36

1

$17,503.56

$4,614.00

$1,458.63

$384.50

28.766%

28.766%

28.766%

9/XX/2024

794

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$16,265.00

XXX

$0.00

2.5

DU

ApproveIneligible

N/A

No

XXXX

2

2

2

0

3

2

0.00

No

Not Stated

11/XX/2054

$104,874.15

No

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

9.41

No

XXXX

$0.00

$17,049.68

[redacted}

[redacted}

[redacted}

[redacted}

79281776

Safe Harbor QM (APOR)

Yes

No

$26,531.50

$16,403.85

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$19,457.47

1

$20,353.08

$2,481.96

$1,696.09

$206.83

48.139%

48.139%

48.139%

10/XX/2024

766

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2024 [Borrower -  | Primary Income - Wages]; WVOE - 2024 [Borrower -  | Primary Income - Wages]; Employer Letter - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2024 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$26,531.50

XXX

$5,000.00

LP / LPA

Accept/Ineligible

No

No

XXXX

0

1

0

0

2

0

0.00

No

Not Stated

1/XX/2055

$1,559,847.27

95.000%

No

10

22

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

101.11

No

No

XXXX

$0.00

$14,601.60

[redacted}

[redacted}

[redacted}

[redacted}

77052827

Safe Harbor QM (APOR)

Yes

No

$11,698.00

$13,459.94

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$16,548.15

1

$14,119.56

$3,861.72

$1,176.63

$321.81

45.302%

45.302%

45.302%

2/XX/2025

774

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$11,698.00

XXX

$10,000.00

1.7

DU

ApproveIneligible

No

No

XXXX

2

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$307,786.52

25.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

4.83

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

79333345

Safe Harbor QM (APOR)

Yes

No

$1,937.00

$8,142.82

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Employed

US Citizen

US Citizen

$30,187.64

1

$23,156.04

$1,966.92

$1,929.67

$163.91

33.665%

33.665%

33.665%

1/XX/2025

766

No

No

[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$1,937.00

XXX

$0.00

1.0

DU

ApproveIneligible

N/A

No

XXXX

0

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$427,483.95

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

35.68

No

XXXX

$0.00

$41,157.90

[redacted}

[redacted}

[redacted}

[redacted}

70770925

Safe Harbor QM (APOR)

Yes

Yes

$1,690.00

$2,865.32

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Employed

US Citizen

US Citizen

$33,001.58

1

$20,399.76

$2,994.48

$1,699.98

$249.54

41.231%

41.231%

41.231%

1/XX/2025

782

No

No

[Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2025 [Borrower -  | Non-Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2024 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2023 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2023 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2023 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,690.00

XXX

$0.00

4.3

DU

ApproveEligible

No

No

XXXX

2

2

2

0

2

2

0.00

No

Not Stated

4/XX/2055

$599,648.92

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

108.9

No

No

XXXX

$0.00

$18,543.76

[redacted}

[redacted}

[redacted}

[redacted}

75394174

Safe Harbor QM (APOR)

Yes

No

$3,316.10

$6,414.85

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Employed

US Citizen

US Citizen

$33,851.84

1

$23,970.48

$4,356.24

$1,997.54

$363.02

38.891%

38.891%

38.891%

1/XX/2025

782

No

No

[Borrower -  | Non-Primary Income - Wages]; Other - 2025 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Non-Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2024 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2023 [Borrower -  | Non-Primary Income - Wages]; Year End Summary - 2022 [Borrower -  | Primary Income - Capital Gains]; Account Statements - 2025 [Borrower -  | Primary Income - Capital Gains]; Account Statements - 2024 [Borrower -  | Primary Income - Capital Gains]; Account Statements - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$3,316.10

XXX

$0.00

3.0

DU

ApproveIneligible

Yes

No

XXXX

1

1

2

0

2

2

0.00

No

Not Stated

4/XX/2055

$386,984.67

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

23.78

No

No

XXXX

$0.00

$18,543.76

[redacted}

[redacted}

[redacted}

[redacted}

73772792

Safe Harbor QM (APOR)

Yes

Yes

$3,552.70

$5,797.73

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$11,032.99

1

$10,297.20

$1,803.96

$858.10

$150.33

42.940%

42.940%

42.940%

2/XX/2025

762

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Year End Summary - 2023 [Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$3,552.70

XXX

$10,000.00

1.8

LP / LPA

Accept/Eligible

Yes

No

XXXX

2

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$680,153.57

55.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

51.27

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71602791

Safe Harbor QM (APOR)

Yes

No

$1,640.00

$3,234.30

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$24,885.24

1

$36,857.52

$1,992.48

$3,071.46

$166.04

45.996%

45.996%

45.996%

2/XX/2025

752

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2021 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

1.9

DU

ApproveIneligible

No

No

XXXX

4

3

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$1,562,220.43

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

89.3

No

No

XXXX

$0.00

$30,138.85

[redacted}

[redacted}

[redacted}

[redacted}

76891821

Safe Harbor QM (APOR)

Yes

Yes

$1,490.00

$4,245.33

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Employed

US Citizen

US Citizen

$6,138.90

1

$3,199.44

$3,446.04

$266.62

$287.17

42.596%

42.596%

42.596%

2/XX/2025

767

No

No

[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower -  | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$1,490.00

XXX

$0.00

3.9

LP / LPA

Accept/Eligible

Yes

No

XXXX

0

0

0

0

2

1

0.00

No

Not Stated

3/XX/2055

$198,824.45

71.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

27

No

No

XXXX

$0.00

$7,916.13

[redacted}

[redacted}

[redacted}

[redacted}

77084978

Safe Harbor QM (APOR)

Yes

No

$4,113.80

$13,521.05

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$16,537.81

1

$24,841.68

$1,663.32

$2,070.14

$138.61

46.351%

46.351%

46.351%

2/XX/2025

801

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Other - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$4,113.80

XXX

$10,000.00

4.3

DU

ApproveIneligible

Yes

No

XXXX

3

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$1,317,524.03

65.000%

No

26

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

69.43

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75389389

Safe Harbor QM (APOR)

Yes

Yes

$1,418.00

$4,183.94

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$32,407.97

1

$5,209.08

$1,616.04

$434.09

$134.67

16.571%

16.571%

16.571%

2/XX/2025

741

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Employer Letter - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,418.00

XXX

$0.00

2.5

DU

ApproveEligible

No

No

XXXX

2

0

0

3

2

0.00

No

Not Stated

4/XX/2055

$1,938,837.89

100.000%

No

26

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

318.49

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74750407

Safe Harbor QM (APOR)

Yes

Yes

$1,736.00

$4,096.14

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

US Citizen

$2,520.10

1

$1,590.84

$474.24

$132.57

$39.52

38.600%

38.600%

38.600%

1/XX/2025

751

No

No

[Borrower -  | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower -  | Non-Primary Income - IRA Distribution]; 1099-R - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$1,736.00

XXX

$0.00

1.0

LP / LPA

Accept/Eligible

Yes

No

XXXX

0

0

0

2

0

0.00

No

Not Stated

3/XX/2055

$606.41

0.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

6.82

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73099365

Safe Harbor QM (APOR)

Yes

No

$1,580.00

$11,652.53

XXX

XXX

XXX

XXX

No

No

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$17,882.57

1

$8,020.20

$5,787.00

$668.35

$482.25

48.471%

48.471%

48.471%

2/XX/2025

776

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; Transcripts (1040) - No Results Returned - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,580.00

XXX

$0.00

DU

ApproveIneligible

Yes

No

XXXX

2

3

1

0

3

0

0.00

No

Not Stated

4/XX/2055

$530,800.48

20.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Resident Alien Card

Resident Alien Card

23.56

Yes

No

XXXX

$0.00

$25,973.84

[redacted}

[redacted}

[redacted}

[redacted}

72934990

Safe Harbor QM (APOR)

Yes

Yes

$1,640.00

$7,313.83

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$12,747.90

1

$15,586.44

$2,295.00

$1,298.87

$191.25

39.063%

39.063%

39.063%

2/XX/2025

778

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

1.9

DU

ApproveEligible

No

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

5/XX/2055

No

26

Yes

Short Form

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

28.92

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71186060

Safe Harbor QM (APOR)

Yes

No

$1,640.00

$3,170.30

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$32,326.83

1

$61,737.36

$14,037.96

$5,144.78

$1,169.83

45.511%

45.511%

45.511%

2/XX/2025

782

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

1.6

DU

ApproveIneligible

No

No

XXXX

2

0

2

0

3

2

0.00

No

Not Stated

4/XX/2055

$502,242.71

No

26

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

19.47

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75506598

Safe Harbor QM (APOR)

Yes

No

$1,395.00

$2,128.08

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$16,514.64

1

$20,413.44

$2,270.04

$1,701.12

$189.17

33.360%

33.360%

33.360%

1/XX/2025

808

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$1,395.00

XXX

$0.00

1.0

LP / LPA

Accept/Ineligible

No

No

XXXX

0

1

0

0

2

0

0.00

No

Not Stated

3/XX/2055

$618,751.35

62.000%

No

24

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

32.24

Yes

No

XXXX

$0.00

$12,540.00

[redacted}

[redacted}

[redacted}

[redacted}

71859430

Safe Harbor QM (APOR)

Yes

No

$3,045.64

$6,094.97

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$15,429.15

1

$10,324.32

$6,329.04

$860.36

$527.42

46.345%

46.345%

46.345%

2/XX/2025

722

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$3,045.64

XXX

$5,215.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

3

2

0

3

0

0.00

No

Not Stated

4/XX/2055

$847,673.75

45.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

23.94

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71752944

Safe Harbor QM (APOR)

Yes

No

$18,441.00

$24,190.66

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$16,926.24

1

$9,765.24

$10,263.00

$813.77

$855.25

39.729%

39.729%

39.729%

1/XX/2025

762

No

No

Borrower Prepared

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2020 [Borrower -  | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 [Borrower -  | Non-Primary Income - Sole Proprietor]; Balance Sheet - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; P&L Statement - 2024 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$18,441.00

XXX

$0.00

1.4

DU

ApproveIneligible

Yes

No

XXXX

3

2

0

3

2

12.00

No

Not Stated

5/XX/2055

$579,309.15

54.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

42.21

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75657976

Safe Harbor QM (APOR)

Yes

No

$6,311.40

$9,645.93

XXX

XXX

XXX

XXX

No

No

Not Employed

Employed

US Citizen

US Citizen

$17,874.62

1

$11,469.96

$4,203.00

$955.83

$350.25

30.536%

30.536%

30.536%

2/XX/2025

799

No

No

[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$6,311.40

XXX

$13,327.76

LP / LPA

Accept/Ineligible

Yes

No

XXXX

0

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$98,392.66

9.000%

No

26

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

Yes

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

14.13

No

XXXX

$0.00

$25,732.37

[redacted}

[redacted}

[redacted}

[redacted}

73956729

Safe Harbor QM (APOR)

Yes

Yes

$4,802.09

$16,034.51

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$6,154.50

1

$8,922.00

$827.16

$743.50

$68.93

43.189%

43.189%

43.189%

2/XX/2025

799

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$4,802.09

XXX

$9,118.00

2.5

DU

ApproveEligible

No

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$284,211.98

41.000%

No

16

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

20.51

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77562250

Safe Harbor QM (APOR)

Yes

Yes

$1,490.00

$5,527.66

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$5,122.81

1

$5,417.52

$3,137.16

$451.46

$261.43

39.549%

39.549%

39.549%

2/XX/2025

801

No

No

[Borrower -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$1,490.00

XXX

$235,000.00

1.0

LP / LPA

Accept/Eligible

Yes

No

XXXX

1

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$7,978.63

2.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

0.91

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71790608

Safe Harbor QM (APOR)

Yes

Yes

$7,330.39

$9,529.43

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$22,191.01

1

$9,437.88

$3,051.00

$786.49

$254.25

27.496%

27.496%

27.496%

3/XX/2025

785

No

No

[Borrower -  | Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$7,330.39

XXX

$0.00

3.4

DU

ApproveEligible

No

No

XXXX

2

2

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$484,770.99

61.000%

No

26

26

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

28.85

No

No

XXXX

$0.00

$17,358.00

[redacted}

[redacted}

[redacted}

[redacted}

78058828

Safe Harbor QM (APOR)

Yes

Yes

$17,983.75

$19,358.66

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$8,069.49

1

$8,316.84

$1,268.28

$693.07

$105.69

43.039%

43.039%

43.039%

1/XX/2025

762

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; Employer Letter - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$17,983.75

XXX

$0.00

1.0

DU

ApproveEligible

Yes

No

XXXX

1

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$657,188.62

51.000%

No

14

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

26.77

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77129298

Safe Harbor QM (APOR)

Yes

No

$1,940.00

$13,356.94

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$35,586.87

1

$99,484.08

$9,477.84

$8,290.34

$789.82

45.733%

45.733%

45.733%

1/XX/2025

786

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Year End Summary - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,940.00

XXX

$0.00

4.5

DU

ApproveIneligible

No

No

XXXX

2

1

0

3

1

0.00

No

Not Stated

5/XX/2055

$539,916.06

6.000%

No

24

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

12.75

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74784608

Safe Harbor QM (APOR)

Yes

No

$1,520.00

$9,896.40

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$13,975.90

1

$3,693.48

$2,428.80

$307.79

$202.40

48.420%

48.420%

48.420%

2/XX/2025

784

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$1,520.00

XXX

$0.00

3.4

DU

ApproveIneligible

No

No

XXXX

0

0

0

1

0

0.00

No

Not Stated

4/XX/2055

$998,692.16

78.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

87.98

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72449414

Safe Harbor QM (APOR)

Yes

No

$1,720.00

$10,837.28

XXX

XXX

XXX

XXX

No

Yes

Employed

Non-Employment Income

US Citizen

US Citizen

$14,668.82

1

$3,598.80

$2,415.96

$299.90

$201.33

32.298%

32.298%

32.298%

3/XX/2025

804

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - IRA Distribution]; Account Statements - 2025 [Coborrower(s) -  | Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$1,720.00

XXX

$10,000.00

1.7

DU

ApproveIneligible

N/A

No

XXXX

1

0

0

0

2

0

0.00

No

Not Stated

5/XX/2055

$700,142.36

58.000%

No

4

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

62.19

No

XXXX

$10,000.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

78783585

Safe Harbor QM (APOR)

Yes

No

$1,890.00

$16,215.17

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$25,888.66

1

$41,785.56

$1,718.16

$3,482.13

$143.18

41.818%

41.818%

41.818%

3/XX/2025

780

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,890.00

XXX

$0.00

2.5

DU

ApproveIneligible

No

No

XXXX

2

0

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$1,421,580.80

41.000%

No

26

1

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

13.08

No

XXXX

$0.00

$25,000.00

[redacted}

[redacted}

[redacted}

[redacted}

77665605

Safe Harbor QM (APOR)

Yes

No

$17,704.19

$25,959.47

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$25,837.42

1

$25,592.88

$2,333.64

$2,132.74

$194.47

43.973%

43.973%

43.973%

3/XX/2025

795

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$17,704.19

XXX

$17,300.00

1.8

LP / LPA

Accept/Ineligible

Yes

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$961,091.92

41.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

16.59

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73185258

Safe Harbor QM (APOR)

Yes

Yes

$1,590.00

$5,257.55

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$4,380.47

1

$2,248.08

$992.04

$187.34

$82.67

42.407%

42.407%

42.407%

2/XX/2025

763

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,590.00

XXX

$1,000.00

LP / LPA

Yes

Accept/Eligible

N/A

No

XXXX

2

1

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$195,822.44

54.000%

No

25

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

17.91

Yes

No

XXXX

$0.00

$1,860.63

[redacted}

[redacted}

[redacted}

[redacted}

79132044

Safe Harbor QM (APOR)

Yes

Yes

$1,490.00

$11,703.94

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$9,885.99

1

$3,101.16

$2,517.96

$258.43

$209.83

49.966%

49.966%

49.966%

2/XX/2025

809

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Non-Primary Income - Pension]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$1,490.00

XXX

$11,000.00

1.0

DU

ApproveEligible

No

No

XXXX

0

2

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$143,151.54

24.000%

No

25

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

5.69

Yes

No

XXXX

$0.00

$3,882.51

[redacted}

[redacted}

[redacted}

[redacted}

75212224

Safe Harbor QM (APOR)

Yes

Yes

$1,895.00

$7,113.40

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$21,378.27

1

$20,313.12

$2,546.04

$1,692.76

$212.17

25.495%

25.495%

25.495%

2/XX/2025

786

No

No

[Borrower -  | Primary Income - Wages]; Account Statements - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

WVOE

0

0

0

XXX

$1,895.00

XXX

$0.00

1.5

LP / LPA

Accept/Eligible

Yes

No

XXXX

2

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$1,267,125.01

100.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

148.1

No

XXXX

$0.00

$4,853.48

[redacted}

[redacted}

[redacted}

[redacted}

70818727

Safe Harbor QM (APOR)

Yes

No

$11,208.75

$0.00

XXX

XXX

XXX

XXX

No

No

Not Employed

Employed

US Citizen

US Citizen

$7,293.09

1

$16,300.56

$2,304.00

$1,358.38

$192.00

49.990%

49.990%

49.990%

1/XX/2025

797

No

No

[Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$11,208.75

XXX

$40,000.00

1.6

DU

ApproveIneligible

No

No

XXXX

0

2

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$801,355.04

54.000%

No

26

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

35

No

XXXX

$0.00

$14,583.31

[redacted}

[redacted}

[redacted}

[redacted}

79099730

Safe Harbor QM (APOR)

Yes

No

$1,640.00

$10,663.71

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$87,762.92

1

$67,738.56

$9,774.00

$5,644.88

$814.50

28.233%

28.233%

28.233%

12/XX/2024

796

No

No

[Borrower -  | Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; Other - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; VVOE - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; Other - 2024 [Borrower -  | Primary Income - K-1 (< 25%)]; Other - 2024 [Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - K-1 (< 25%)]; K-1 - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Tax Return Extension - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Tax Return Extension - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Tax Return Extension - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Tax Return Extension - 2022 [Coborrower]; Transcripts (1040) - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$0.00

1.0

LP / LPA

Accept/Ineligible

No

No

XXXX

0

0

2

0

2

2

No

Not Stated

4/XX/2055

$3,686,618.80

80.000%

No

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

83.57

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

70330109

Safe Harbor QM (APOR)

Yes

Yes

$12,733.25

$16,002.15

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$12,722.09

1

$15,805.32

$2,999.04

$1,317.11

$249.92

44.485%

44.485%

44.485%

3/XX/2025

814

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$12,733.25

XXX

$6,000.00

2.2

DU

ApproveEligible

Yes

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

5/XX/2055

$671,213.89

53.000%

No

2

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

48.32

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77809577

Safe Harbor QM (APOR)

Yes

No

$1,640.00

$6,275.72

XXX

XXX

XXX

XXX

No

No

Self-Employed

Not Employed

US Citizen

US Citizen

$73,013.99

1

$41,725.32

$4,770.00

$3,477.11

$397.50

25.860%

25.860%

25.860%

12/XX/2024

739

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Other - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Tax Return Extension (for Business) - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2022

[Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,640.00

XXX

$250.00

1.2

DU

ApproveIneligible

Yes

No

XXXX

3

0

2

0

2

2

No

Not Stated

4/XX/2055

$990,390.70

57.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

119.14

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

70499504

Safe Harbor QM (APOR)

Yes

No

$22,244.98

$55,536.13

XXX

XXX

XXX

XXX

No

No

Employed

Permanent Resident Alien

$51,138.45

1

$36,548.76

$3,156.48

$3,045.73

$263.04

26.508%

26.508%

26.508%

1/XX/2025

770

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$22,244.98

XXX

$0.00

4.7

DU

ApproveIneligible

No

No

XXXX

3

0

0

1

0

0.00

No

Not Stated

5/XX/2055

$307,103.11

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Resident Alien Card

No

16.69

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71320583

Safe Harbor QM (APOR)

Yes

No

$14,038.73

$11,723.53

XXX

XXX

XXX

XXX

No

No

Employed

Permanent Resident Alien

$9,263.09

1

$5,964.12

$1,120.44

$497.01

$93.37

40.827%

40.827%

40.827%

12/XX/2024

786

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2024 [Borrower -  | Primary Income - Wages]; Other - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; VVOE - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022 [Borrower -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$14,038.73

XXX

$0.00

1.2

DU

ApproveIneligible

N/A

No

XXXX

2

0

0

2

2

0.00

No

Not Stated

1/XX/2055

$125,037.73

11.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Resident Alien Card

0.65

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76038658

Safe Harbor QM (APOR)

Yes

Yes

$1,990.00

$8,104.14

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$8,094.92

1

$5,487.12

$1,265.04

$457.26

$105.42

46.822%

46.822%

46.822%

2/XX/2025

770

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$1,990.00

XXX

$0.00

2.4

LP / LPA

Accept/Eligible

Yes

No

XXXX

1

1

0

0

1

0

0.00

No

Not Stated

4/XX/2055

$952,712.98

100.000%

No

3

36

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

217.33

No

No

XXXX

$0.00

$5,638.90

[redacted}

[redacted}

[redacted}

[redacted}

76851317

Safe Harbor QM (APOR)

Yes

No

$8,790.24

$1,090.20

XXX

XXX

XXX

XXX

No

No

Employed

Employed

Non-Permanent Resident Alien

Non-Permanent Resident Alien

XXX

XXX

$15,666.52

1

$12,815.64

$2,144.04

$1,067.97

$178.67

46.044%

46.044%

46.044%

3/XX/2025

816

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; Vesting Schedule - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Year End Summary - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; Vesting Schedule - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Year End Summary - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$8,790.24

XXX

$25,000.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

3

3

2

0

2

0

0.00

No

Not Stated

5/XX/2055

$465,614.44

28.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

VISA

VISA

12.43

Yes

No

XXXX

$0.00

$12,151.31

[redacted}

[redacted}

[redacted}

[redacted}

76784279

Safe Harbor QM (APOR)

Yes

Yes

$7,674.40

$11,810.40

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$3,089.83

3

$6,654.48

$2,466.00

$554.54

$205.50

49.124%

49.124%

49.124%

2/XX/2025

736

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023

[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$7,674.40

XXX

$0.00

LP / LPA

Accept/Eligible

No

No

XXXX

2

1

0

3

0

0.00

No

Not Stated

4/XX/2055

$27,676.63

No

25

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

7.65

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73497495

Safe Harbor QM (APOR)

Yes

No

$30,928.00

$14,136.68

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$8,966.71

1

$7,884.36

$2,403.96

$657.03

$200.33

49.917%

49.917%

49.917%

1/XX/2025

746

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$30,928.00

XXX

$32,500.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

1

0

0

3

0

0.00

No

Not Stated

3/XX/2055

$425,544.49

31.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

24.4

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73877888

Safe Harbor QM (APOR)

Yes

Yes

$15,407.60

$18,644.70

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$6,891.64

1

$10,209.72

$1,722.72

$850.81

$143.56

44.867%

44.867%

44.867%

4/XX/2025

771

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$15,407.60

XXX

$0.00

1.2

DU

ApproveEligible

Yes

No

XXXX

2

0

0

0

3

0

0.00

No

Not Stated

5/XX/2055

$848,402.61

60.000%

No

27

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

28.1

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

79662985

Safe Harbor QM (APOR)

Yes

Yes

$11,870.00

$11,565.65

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$6,620.35

1

$8,094.48

$435.00

$674.54

$36.25

48.059%

48.059%

48.059%

2/XX/2025

809

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; Year End Summary - 2023

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$11,870.00

XXX

$10,000.00

2.5

DU

ApproveEligible

No

No

XXXX

2

0

0

3

2

0.00

No

Not Stated

5/XX/2055

$353,129.28

50.000%

No

26

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

32.2

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

73455947

Safe Harbor QM (APOR)

Yes

No

$1,995.00

$11,443.64

XXX

XXX

XXX

XXX

No

No

Self-Employed

Employed

US Citizen

US Citizen

$12,436.11

1

$18,732.84

$9,419.04

$1,561.07

$784.92

49.100%

49.100%

49.100%

3/XX/2025

789

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2024 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; W-2 - 2024 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2023 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; W-2 - 2023 [Coborrower(s) -  | Primary Income - K-1 (< 25%)]; 4506-C (for Business) - 2022

[Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$1,995.00

XXX

$7,500.00

2.4

LP / LPA

Accept/Ineligible

Yes

No

XXXX

2

2

1

0

3

1

No

Not Stated

5/XX/2055

$495,228.75

27.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

6.7

No

No

XXXX

$3,636.98

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77708824

Safe Harbor QM (APOR)

Yes

No

$4,731.80

$16,223.54

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$17,886.15

1

$29,416.32

$5,226.36

$2,451.36

$435.53

40.150%

40.150%

40.150%

3/XX/2025

782

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$4,731.80

XXX

$0.00

1.3

LP / LPA

Accept/Ineligible

Yes

No

XXXX

2

0

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$754,262.35

40.000%

No

14

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

12.9

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74870982

Safe Harbor QM (APOR)

Yes

No

$7,910.00

$8,476.33

XXX

XXX

XXX

XXX

No

No

Self-Employed

Self-Employed

US Citizen

US Citizen

$32,168.24

1

$25,283.76

$5,820.00

$2,106.98

$485.00

35.571%

35.571%

35.571%

3/XX/2025

714

No

No

[Borrower -  | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Other - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower -  | Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025 [Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Other - 2025 [Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$7,910.00

XXX

$0.00

1.7

LP / LPA

Accept/Ineligible

No

No

XXXX

0

0

2

0

3

0

No

Not Stated

4/XX/2055

$56,612.32

3.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

3.31

Yes

No

XXXX

$24,964.05

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76332471

Safe Harbor QM (APOR)

Yes

Yes

$10,937.56

$12,444.21

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$14,682.03

1

$7,894.92

$2,781.48

$657.91

$231.79

24.366%

24.366%

24.366%

2/XX/2025

772

No

No

[Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$10,937.56

XXX

$0.00

4.3

LP / LPA

Accept/Eligible

No

No

XXXX

1

0

0

0

3

0

0.00

No

Not Stated

5/XX/2055

$31,923.10

No

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

7.04

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

79507471

Safe Harbor QM (APOR)

Yes

Yes

$1,490.00

$3,101.40

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$8,882.17

1

$3,485.16

$604.56

$290.43

$50.38

21.342%

21.342%

21.342%

2/XX/2025

777

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Year End Summary - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,490.00

XXX

$0.00

1.7

DU

ApproveEligible

Yes

No

XXXX

2

0

0

2

0

0.00

No

Not Stated

5/XX/2055

$333,833.88

100.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

97.11

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76717193

Safe Harbor QM (APOR)

Yes

No

$0.00

$17,199.09

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$21,665.22

1

$10,281.72

$5,894.04

$856.81

$491.17

41.353%

41.353%

41.353%

3/XX/2025

775

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Personal - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022

[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

XXX

$0.00

3.0

DU

ApproveIneligible

No

No

XXXX

0

1

0

3

0

No

Not Stated

5/XX/2055

$54,426.57

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

4.23

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72154695

Safe Harbor QM (APOR)

Yes

Yes

$2,590.00

$12,850.32

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$5,427.97

1

$14,829.60

$2,319.96

$1,235.80

$193.33

49.723%

49.723%

49.723%

2/XX/2025

763

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$2,590.00

XXX

$424,000.00

5.0

DU

ApproveEligible

No

No

XXXX

0

0

0

0

3

0

0.00

No

Not Stated

3/XX/2055

$63,763.48

6.000%

No

26

26

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

6.28

No

XXXX

$0.00

$626.62

[redacted}

[redacted}

[redacted}

[redacted}

71313413

Safe Harbor QM (APOR)

Yes

No

$490.00

$803.94

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

Non-Permanent Resident Alien

XXXX

$16,670.19

1

$18,455.88

$2,426.76

$1,537.99

$202.23

47.530%

47.530%

47.530%

1/XX/2025

804

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$490.00

XXX

$0.00

1.0

DU

ApproveIneligible

Yes

No

XXXX

1

2

2

0

2

0

0.00

No

Not Stated

3/XX/2055

$1,137,452.67

No

2

24

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Employment Authorization

No

116.96

No

No

XXXX

$0.00

$23,104.27

[redacted}

[redacted}

[redacted}

[redacted}

72891649

Safe Harbor QM (APOR)

Yes

Yes

$1,295.00

$3,618.63

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$14,387.51

1

$2,808.96

$2,703.96

$234.08

$225.33

42.403%

42.403%

42.403%

12/XX/2024

807

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,295.00

XXX

$8,480.00

1.7

LP / LPA

Accept/Eligible

No

No

XXXX

2

0

0

2

0

0.00

No

Not Stated

2/XX/2055

No

35

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

37.8

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77431452

Safe Harbor QM (APOR)

Yes

Yes

$1,690.00

$83.22

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Non-Employment Income

US Citizen

US Citizen

$4,051.15

1

$2,685.36

$2,913.96

$223.78

$242.83

48.539%

48.539%

48.539%

2/XX/2025

724

No

No

[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower -  | Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025 [Borrower -  | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025 [Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$1,690.00

XXX

$10,000.00

1.0

LP / LPA

Accept/Eligible

Yes

No

XXXX

0

0

0

0

2

0

0.00

No

Not Stated

3/XX/2055

$255,813.66

55.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

2.98

No

No

XXXX

$1,729.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71955021

Safe Harbor QM (APOR)

Yes

Yes

$15,595.12

$18,388.12

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$19,761.98

1

$3,007.32

$2,549.28

$250.61

$212.44

19.422%

19.422%

19.422%

2/XX/2025

765

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$15,595.12

XXX

$15,000.00

3.4

LP / LPA

Accept/Eligible

No

No

XXXX

0

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$78,196.46

10.000%

No

25

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

Yes

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

17.44

No

XXXX

$0.00

$15,683.50

[redacted}

[redacted}

[redacted}

[redacted}

78115224

Safe Harbor QM (APOR)

Yes

No

$1,590.00

$6,637.00

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

US Citizen

$20,450.17

1

$10,472.40

$39,759.00

$872.70

$3,313.25

42.251%

42.251%

42.251%

3/XX/2025

776

No

No

[Borrower -  | Primary Income - Social Security]; Account Statements - 2025 [Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Borrower -  | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Pension]; Paystubs - 2025 [Borrower -  | Non-Primary Income - IRA Distribution]; Account Statements - 2025 [Borrower -  | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025 [Borrower -  | Non-Primary Income - IRA Distribution]; Deposit Receipt - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$1,590.00

XXX

$28,000.00

2.1

LP / LPA

Accept/Ineligible

No

No

XXXX

0

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$4,279,949.21

94.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

72.6

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75049308

Safe Harbor QM (APOR)

Yes

No

$1,695.00

$9,578.70

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$18,998.06

1

$25,665.48

$5,201.04

$2,138.79

$433.42

36.570%

36.570%

36.570%

10/XX/2024

778

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Borrower -  | Non-Primary Income - Capital Gains]; Account Statements - 2024

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,695.00

XXX

$4,000.00

1.7

DU

ApproveIneligible

N/A

No

XXXX

2

2

0

3

2

0.00

No

Not Stated

3/XX/2055

$1,076,636.44

59.000%

No

25

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

49.11

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77366635

Safe Harbor QM (APOR)

Yes

Yes

$2,195.00

$8,501.47

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

US Citizen

$21,298.94

1

$7,087.44

$5,057.04

$590.62

$421.42

34.968%

34.968%

34.968%

1/XX/2025

820

No

No

[Borrower -  | Primary Income - Social Security]; Account Statements - 2025 [Borrower -  | Primary Income - Social Security]; 1099-SSA - 2023 [Borrower -  | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower -  | Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 [Borrower -  | Non-Primary Income - Pension]; 1099-R - 2023

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$2,195.00

XXX

$2,500.00

LP / LPA

Accept/Eligible

No

No

XXXX

0

2

0

3

0

0.00

No

Not Stated

4/XX/2055

$782,135.47

46.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

17.18

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

70176091

Safe Harbor QM (APOR)

Yes

No

$14,816.25

$3,642.60

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$9,845.44

1

$6,879.72

$2,441.04

$573.31

$203.42

44.039%

44.039%

44.039%

1/XX/2025

814

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$14,816.25

XXX

$0.00

2.7

DU

ApproveIneligible

N/A

No

XXXX

3

0

0

3

0

0.00

No

Not Stated

3/XX/2055

$1,289,063.92

89.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

111.3

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72779065

Safe Harbor QM (APOR)

Yes

Yes

$14,850.00

$2,360.76

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

US Citizen

US Citizen

$10,363.60

1

$4,293.36

$1,365.00

$357.78

$113.75

48.515%

48.515%

48.515%

1/XX/2025

789

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; Paystubs - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$14,850.00

XXX

$24,000.00

3.7

DU

ApproveEligible

N/A

No

XXXX

2

0

1

0

4

1

0.00

No

Not Stated

4/XX/2055

$165,021.98

20.000%

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

4.3

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76898336

Safe Harbor QM (APOR)

Yes

Yes

$11,506.89

$21,036.59

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$11,769.09

1

$17,404.92

$2,367.96

$1,450.41

$197.33

43.296%

43.296%

43.296%

2/XX/2025

750

No

No

[Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower -  | Non-Primary Income - Pension]; Account Statements - 2025 [Borrower -  | Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024 [Borrower -  | Non-Primary Income - Pension]; Paystubs - 2024 [Borrower -  | Non-Primary Income - Pension]; 1099 Transcript - 2023 [Borrower -  | Non-Primary Income - Pension]; 1099-R - 2023 [Borrower -  | Non-Primary Income - Pension]; 1099 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$11,506.89

XXX

$0.00

DU

ApproveEligible

N/A

No

XXXX

3

0

0

4

0

0.00

No

Not Stated

4/XX/2055

$603,848.75

43.000%

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

30.48

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76958208

Safe Harbor QM (APOR)

Yes

Yes

$6,114.75

$8,950.69

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$6,753.82

1

$10,744.20

$1,908.00

$895.35

$159.00

43.763%

43.763%

43.763%

1/XX/2025

768

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$6,114.75

XXX

$0.00

LP / LPA

Accept/Eligible

No

No

XXXX

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$553,392.97

56.000%

No

19

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

27.27

Yes

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

75572139

Safe Harbor QM (APOR)

Yes

Yes

$13,011.00

$17,236.85

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$10,903.17

1

$14,131.20

$4,251.96

$1,177.60

$354.33

45.910%

45.910%

45.910%

2/XX/2025

802

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$13,011.00

XXX

$5,000.00

1.0

DU

ApproveEligible

N/A

No

XXXX

2

2

0

0

4

1

0.00

No

Not Stated

4/XX/2055

$371,532.02

30.000%

No

2

14

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

16.05

No

XXXX

$0.00

$9,381.13

[redacted}

[redacted}

[redacted}

[redacted}

76226371

Safe Harbor QM (APOR)

Yes

Yes

$10,192.40

$14,876.67

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$37,486.50

1

$16,888.20

$1,878.96

$1,407.35

$156.58

46.127%

46.127%

46.127%

1/XX/2025

776

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$10,192.40

XXX

$3,000.00

LP / LPA

Accept/Eligible

No

No

XXXX

0

1

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$1,216,815.49

68.000%

No

5

11

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

49.13

No

No

XXXX

$0.00

$23,750.00

[redacted}

[redacted}

[redacted}

[redacted}

75910406

Safe Harbor QM (APOR)

Yes

No

$28,907.19

$46,280.17

XXX

XXX

XXX

XXX

No

No

Employed

Not Employed

Permanent Resident Alien

Permanent Resident Alien

$29,888.29

1

$16,362.48

$2,442.96

$1,363.54

$203.58

27.642%

27.642%

27.642%

2/XX/2025

769

No

No

[Borrower -  | Primary Income - K-1 (< 25%)]; Employer Letter - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; VVOE - 2025 [Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2023 [Borrower -  | Primary Income - K-1 (< 25%)]; K-1 - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$28,907.19

XXX

$30,000.00

2.7

DU

ApproveIneligible

N/A

No

XXXX

0

0

2

0

3

2

No

Not Stated

5/XX/2055

$1,025,192.12

53.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

FICO II

Beacon 5.0

FICO Risk Score Classic 04

FICO II

Beacon 5.0

FICO Risk Score Classic 04

Resident Alien Card

Resident Alien Card

39.12

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72599081

Safe Harbor QM (APOR)

Yes

No

$2,049.00

$16,155.07

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$63,633.35

1

$48,715.08

$6,918.96

$4,059.59

$576.58

30.137%

30.137%

30.137%

2/XX/2025

779

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Employer Letter - 2021

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 4506-C - 2020 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$2,049.00

XXX

$0.00

5.0

DU

ApproveIneligible

No

No

XXXX

1

2

2

0

5

1

0.00

No

Not Stated

5/XX/2055

$1,142,355.42

No

26

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

36.8

No

XXXX

$0.00

$24,416.67

[redacted}

[redacted}

[redacted}

[redacted}

70182118

Safe Harbor QM (APOR)

Yes

No

$33,343.00

$48,794.32

XXX

XXX

XXX

XXX

No

No

Employed

Employed

Permanent Resident Alien

Permanent Resident Alien

$24,560.17

1

$21,101.04

$4,061.04

$1,758.42

$338.42

32.724%

32.724%

32.724%

1/XX/2025

798

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2022

[Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$33,343.00

XXX

$0.00

1.0

DU

ApproveIneligible

N/A

No

XXXX

3

3

0

0

2

0

0.00

No

Not Stated

4/XX/2055

$872,652.92

56.000%

No

24

25

Yes

Final

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Resident Alien Card

Resident Alien Card

61.79

Yes

No

XXXX

$0.00

$15,904.95

[redacted}

[redacted}

[redacted}

[redacted}

76498860

Safe Harbor QM (APOR)

Yes

No

$0.00

$6,842.84

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$13,786.54

1

$9,532.56

$3,530.16

$794.38

$294.18

40.703%

40.703%

40.703%

12/XX/2024

798

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; Employer Letter - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

XXX

$0.00

2.1

DU

ApproveIneligible

N/A

No

XXXX

3

0

0

3

0

0.00

No

Not Stated

5/XX/2055

$1,025,444.20

51.000%

No

26

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

35.52

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

71205097

Safe Harbor QM (APOR)

Yes

No

$3,480.00

$27,230.81

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$31,596.74

1

$25,477.32

$5,496.84

$2,123.11

$458.07

33.422%

33.422%

33.422%

2/XX/2025

767

No

No

[Borrower -  | Primary Income - C-Corp]; Telephone Listing / Internet Search / Directory Assistance - 2025 [Borrower -  | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower -  | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower -  | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower -  | Primary Income - C-Corp]; Third Party Verification - 2025 [Borrower -  | Primary Income - C-Corp]; W-2 - 2024 [Borrower -  | Primary Income - C-Corp]; 1120 - 2023 [Borrower -  | Primary Income - C-Corp]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - C-Corp]; W-2 - 2023 [Borrower -  | Primary Income - C-Corp]; 4506-C (for Business) - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$3,480.00

XXX

$0.00

1.0

DU

ApproveIneligible

N/A

No

XXXX

2

1

0

3

1

No

Not Stated

4/XX/2055

$654,638.82

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

42.54

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76278578

Safe Harbor QM (APOR)

Yes

No

$160.00

$5,776.78

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$16,374.19

1

$40,788.36

$6,075.96

$3,399.03

$506.33

47.603%

47.603%

47.603%

1/XX/2025

768

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - No Results Returned - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$160.00

XXX

$0.00

3.1

DU

ApproveIneligible

N/A

No

XXXX

0

1

0

3

1

0.00

No

Not Stated

5/XX/2055

$1,763,299.26

77.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

60.31

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77511271

Safe Harbor QM (APOR)

Yes

Yes

$11,247.70

$11,891.21

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$25,262.19

1

$8,668.20

$2,033.04

$722.35

$169.42

14.966%

14.966%

14.966%

3/XX/2025

752

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$11,247.70

XXX

$15,000.00

3.3

DU

ApproveEligible

N/A

No

XXXX

3

3

0

0

3

0

0.00

No

Not Stated

5/XX/2055

$1,220,240.29

100.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

181.28

No

XXXX

$0.00

$15,908.34

[redacted}

[redacted}

[redacted}

[redacted}

74285033

Safe Harbor QM (APOR)

Yes

No

$10,869.25

$14,548.15

XXX

XXX

XXX

XXX

No

No

Employed

Employed

Not Employed

Not Employed

0

0

US Citizen

US Citizen

US Citizen

US Citizen

$29,071.28

1

$6,510.60

$950.16

$542.55

$79.18

48.778%

48.778%

48.778%

3/XX/2025

776

763

810

783

777

815

808

Level 4-Stated/Verified as defined

Level 4-Stated/Verified as defined

Level 1-Not Stated/Not Verified

Level 1-Not Stated/Not Verified

Level 1-Not Stated/Not Verified

Level 1-Not Stated/Not Verified

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023

[Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$10,869.25

XXX

$0.00

3.1

DU

ApproveIneligible

N/A

No

XXXX

2

2

0

0

2

0

0.00

No

Not Stated

5/XX/2055

$4,508,359.56

100.000%

No

26

26

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

451.49

No

No

XXXX

$0.00

$42,764.84

[redacted}

[redacted}

[redacted}

[redacted}

76554440

Safe Harbor QM (APOR)

Yes

No

$1,505.00

$6,628.29

XXX

XXX

XXX

XXX

No

No

Self-Employed

Not Employed

US Citizen

US Citizen

$28,948.69

1

$14,811.84

$10,823.04

$1,234.32

$901.92

30.874%

30.874%

30.874%

1/XX/2025

778

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Paystubs - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Balance Sheet - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2023 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2021 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 4506-C (for Business) - 2021

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2021 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2021

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,505.00

XXX

$7,500.00

2.1

DU

ApproveIneligible

N/A

No

XXXX

2

0

1

0

3

1

No

Not Stated

4/XX/2055

$833,239.83

46.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

9.94

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76849451

Safe Harbor QM (APOR)

Yes

Yes

$8,739.90

$10,849.68

XXX

XXX

XXX

XXX

No

No

Self-Employed

US Citizen

$7,603.36

1

$8,483.04

$992.04

$706.92

$82.67

42.263%

42.263%

42.263%

2/XX/2025

736

No

No

[Borrower -  | Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 1120S - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; K-1 - 2024 [Borrower -  | Primary Income - S-Corp (>= 25%)]; W-2 - 2024

[Borrower]; 1040 - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; Transcripts (1040) - 2024 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

1yr Full Doc

0

0

0

XXX

$8,739.90

XXX

$0.00

4.8

DU

ApproveEligible

N/A

No

XXXX

1

1

0

1

1

No

Not Stated

4/XX/2055

No

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

72826035

Safe Harbor QM (APOR)

Yes

No

$24,341.87

$24,934.64

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$17,642.69

1

$18,686.28

$1,991.04

$1,557.19

$165.92

37.989%

37.989%

37.989%

2/XX/2025

786

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$24,341.87

XXX

$0.00

1.0

DU

ApproveIneligible

N/A

No

XXXX

2

2

0

3

2

0.00

No

Not Stated

4/XX/2055

$335,218.34

No

25

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

32.26

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

76235944

Safe Harbor QM (APOR)

Yes

No

$34,539.00

$43,662.92

XXX

XXX

XXX

XXX

No

No

Employed

Non-Employment Income

US Citizen

US Citizen

$22,639.98

1

$17,576.04

$2,031.00

$1,464.67

$169.25

39.796%

39.796%

39.796%

1/XX/2025

774

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; Other - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Borrower -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Borrower -  | Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Account Statements - Business - 2024 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; Balance Sheet - 2024 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; P&L Statement - 2024 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022 [Coborrower(s) -  | Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 [Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; Transcripts (1040) - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; Transcripts (1040) - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 1040 - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; Transcripts (1040) - 2023 [Coborrower]; 1040 - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; Transcripts (1040) - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

No

XXX

$34,539.00

XXX

$0.00

2.7

DU

ApproveIneligible

N/A

No

XXXX

0

0

2

0

3

2

0.00

No

Not Stated

3/XX/2055

$4,628,494.92

No

3

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

350.77

No

No

XXXX

$1,137.61

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

74043003

Safe Harbor QM (APOR)

Yes

No

$3,820.78

$8,490.72

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$20,373.41

1

$17,922.00

$6,304.56

$1,493.50

$525.38

40.745%

40.745%

40.745%

3/XX/2025

806

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2023 [Borrower -  | Primary Income - Wages]; Year End Summary - 2023 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Borrower -  | Primary Income - Wages]; W-2 Transcript - 2022 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Coborrower(s) -  | Primary Income - Wages]; The Work Number - Income - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2023 [Coborrower(s) -  | Primary Income - Wages]; W-2 Transcript - 2022

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$3,820.78

XXX

$0.00

2.5

DU

ApproveIneligible

N/A

No

XXXX

3

3

0

0

3

0

0.00

No

Not Stated

5/XX/2055

$560,001.45

36.000%

No

35

25

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

FICO Classic V5 Facta

FICO Risk Score Classic 04

24.53

Yes

No

XXXX

$0.00

$15,205.25

[redacted}

[redacted}

[redacted}

[redacted}

79040132

Safe Harbor QM (APOR)

Yes

Yes

$2,330.00

$4,798.04

XXX

XXX

XXX

XXX

No

No

Non-Employment Income

Non-Employment Income

US Citizen

US Citizen

$14,743.29

1

$1,734.36

$456.00

$144.53

$38.00

24.764%

24.764%

24.764%

2/XX/2025

780

No

No

[Borrower -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 [Borrower -  | Primary Income - Social Security]; 1099-SSA - 2024 [Borrower -  | Non-Primary Income - Pension]; 1099-R - 2024 [Coborrower(s) -  | Primary Income - Social Security]; 1099-SSA - 2024 [Coborrower(s) -  | Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 [Coborrower(s) -  | Non-Primary Income - Pension]; 1099-R - 2024

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

Retirement Income - Fully Verified

0

0

0

XXX

$2,330.00

XXX

$2,985.50

1.0

LP / LPA

Accept/Eligible

No

No

XXXX

0

0

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$279,563.61

84.000%

No

Yes

Commitment

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

68.49

No

No

XXXX

$3,439.76

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

77592627

Safe Harbor QM (APOR)

Yes

Yes

$0.00

$1,400.72

XXX

XXX

XXX

XXX

No

No

Employed

Employed

US Citizen

US Citizen

$11,756.58

1

$17,602.32

$2,159.04

$1,466.86

$179.92

43.515%

43.515%

43.515%

3/XX/2025

806

No

No

[Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Primary Income - Wages]; WVOE - 2025 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2023 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Other - 2025 [Coborrower(s) -  | Primary Income - Wages]; Paystubs - 2025 [Coborrower(s) -  | Primary Income - Wages]; VVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; WVOE - 2025 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2024 [Coborrower(s) -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available [Coborrower]; 4506-C - 2024 [Coborrower]; 4506-C - 2023 [Coborrower]; 4506-C - 2022 [Coborrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

XXX

$0.00

4.6

DU

ApproveEligible

No

No

XXXX

2

2

0

0

3

0

0.00

No

Not Stated

4/XX/2055

$129,761.73

No

26

26

Yes

Preliminary

Fee Simple

Individual

Individual

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

No

16.17

No

XXXX

$0.00

$4,952.06

[redacted}

[redacted}

[redacted}

[redacted}

77315105

Safe Harbor QM (APOR)

Yes

No

$1,590.00

$12,157.56

XXX

XXX

XXX

XXX

No

No

Employed

Non-Permanent Resident Alien

XXX

XXX

$18,989.49

1

$26,730.48

$2,331.48

$2,227.54

$194.29

47.609%

47.609%

47.609%

2/XX/2025

783

No

No

[Borrower -  | Primary Income - Wages]; Employer Letter - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; VVOE - 2025 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2023 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2022 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Non-Primary Income - Wages]; The Work Number - Income - 2025 [Borrower -  | Non-Primary Income - Wages]; VVOE - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2024 [Borrower -  | Non-Primary Income - Wages]; W-2 - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; Other - 2025 [Borrower -  | Non-Primary Income - Sole Proprietor]; Other - 2024 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; Third Party Verification - 2023 [Borrower -  | Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022

[Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 1040 - 2022 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,590.00

XXX

$0.00

4.1

LP / LPA

Accept/Ineligible

No

No

XXXX

3

2

0

2

0

0.00

No

Not Stated

5/XX/2055

$269,023.46

No

13

Yes

Commitment

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

Employment Authorization

No

14.8

No

No

XXXX

$0.00

$0.00

[redacted}

[redacted}

[redacted}

[redacted}

79666198

Safe Harbor QM (APOR)

Yes

No

$1,790.00

$14,116.82

XXX

XXX

XXX

XXX

No

No

Employed

US Citizen

$28,023.52

1

$37,660.20

$13,367.04

$3,138.35

$1,113.92

48.872%

48.872%

48.872%

3/XX/2025

728

No

No

[Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Other - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2025 [Borrower -  | Primary Income - Wages]; The Work Number - Employment Only - 2025 [Borrower -  | Primary Income - Wages]; Paystubs - 2024 [Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2024 [Borrower -  | Primary Income - Wages]; W-2 - 2024 [Borrower -  | Primary Income - Wages]; Paystubs - 2023 [Borrower -  | Primary Income - Wages]; Restricted Stock Agreement - 2023 [Borrower -  | Primary Income - Wages]; W-2 - 2023

[Borrower]; 4506-C - 2024 [Borrower]; 1040 - 2023 [Borrower]; 4506-C - 2023 [Borrower]; 4506-C - 2022 [Borrower]; 1084 or income worksheet - Year Not Available

Full Documentation (F)

2yr Full Doc

0

0

0

XXX

$1,790.00

XXX

$0.00

3.1

DU

ApproveIneligible

No

No

XXXX

2

1

0

3

0

0.00

No

Not Stated

5/XX/2055

$2,884,118.37

87.000%

No

Yes

Preliminary

Fee Simple

Individual

Individual

No

Individual

No

No

Fair Isaac (VER. 2)

Beacon 5.0

FICO Risk Score Classic 04

95.02

Yes

No

XXXX

$0.00

$0.00