Seller

Loan ID

Seller Loan ID

Investor Loan ID

Alt Loan ID

Queue

Created Date

Last Modified Date

Finding Status

Event Level

Finding Category

Finding Sub Category

Finding Name

Reviewer Comments

Seller Comments

Finding Resolution

Finding Document

Reviewer Comp Factors

Originator Comp Factors

State

Occupancy

Loan Purpose

Refinance Purpose

Unique Finding ID

Acknowledged / Waived By

Waiver in File?

XXXXXX XXXXXX

XXXXXXXXX

20251009033

Closed

2025-01-29 18:48

2025-05-02 16:47

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/02/2025

Open-finding is open - Due Diligence Vendor-02/05/2025

Open-Subject property is in recent disaster area and there is no post incident inspection Final Settlement Statement reflects a fee charged for the property disaster report, but the report is not in the loan file. - Due Diligence Vendor-01/29/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3308800

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009033

Closed

2025-01-29 20:17

2025-02-13 16:32

Resolved

1 - Information

Credit

Income/Employment

Income and Employment Do Not Meet Guidelines

Resolved-All P&Ls from the income sources used to qualify received. Finding resolved. - Due Diligence Vendor-02/13/2025

Ready for Review-Document Uploaded. - Buyer-02/12/2025

Counter-Please provide signed profit and loss statements and a signed balance statements for each self employed business listed on the loan application, regardless of income or loss. - Due Diligence Vendor-02/05/2025

Ready for Review-Document Uploaded. We have P&L's from all businesses we are using income to qualify. If we are not using the income, regardless of the ownership, this is not required - Buyer-02/04/2025

Open-Income and Employment Do Not Meet Guidelines The borrower owns 25% or more of businesses 1-17 listed on the 1003. Lender guidelines section 4-2-6-4 requires a signed profit and loss statement and a signed balance statement for each of these businesses. File is missing all required profit and loss statements and balance sheets. - Due Diligence Vendor-01/29/2025

Resolved-All P&Ls from the income sources used to qualify received. Finding resolved. - Due Diligence Vendor-02/13/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3310006

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009030

Closed

2025-03-26 18:54

2025-05-02 17:29

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/02/2025

Open-Subject property is in recent disaster area and there is no post incident inspection . - Due Diligence Vendor-03/26/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3702178

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009008

Closed

2025-03-26 17:30

2025-05-02 17:56

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/02/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-03/26/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3700938

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009092

Closed

2025-02-26 18:58

2025-05-02 16:32

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/02/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-02/26/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3486702

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009070

Closed

2025-05-12 19:38

2025-05-23 16:52

Resolved

1 - Information

Property

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

Resolved-05/23/2055-Clear property inspection report dated 05/21/25 provided. - Due Diligence Vendor-05/23/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/23/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/22/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/12/2025

Resolved-05/23/2055-Clear property inspection report dated XX/XX/XXXX provided. - Due Diligence Vendor-05/23/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/23/2025

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

4119098

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009016

Closed

2025-04-07 15:34

2025-04-23 17:55

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Revised document package received. Lender compliance agreement provides correction of typographical errors. - Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. - Buyer-04/22/2025

Ready for Review-Document Uploaded. Please see revised unsigned Closing Package, as confirmed by XXXXX over email. - Buyer-04/22/2025

Open-The subject City name is spelled incorrectly on most of the documentation in the loan file. Provide corrected documents, including evidence the Deed of Trust is re-recorded with the correct address. - Due Diligence Vendor-04/07/2025

Resolved-Revised document package received. Lender compliance agreement provides correction of typographical errors. - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3795956

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009084

Closed

2025-04-18 11:19

2025-05-02 17:43

Cured

2 - Non-Material

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Cured-Post close VVOE received. - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/02/2025

Open-Borrower 1 3rd Party VOE Prior to Close Missing Third party verification of employment for Borrower is dated 11 business days from Note Date and does not meet guideline requirements. - Due Diligence Vendor-04/18/2025

Cured-Post close VVOE received. - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3898749

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009084

Closed

2025-04-21 16:51

2025-04-23 14:45

Resolved

1 - Information

Compliance

Disclosure

HUD fees and HELOC Agreement fees do not match

Resolved-Fees collected on HUD1/Settlement Statement match fees reflected in HELOC Agreement. - Due Diligence Vendor-04/23/2025

Ready for Review-Document Uploaded. Please see attached Post consummation HELOC schedule. also the recording fee is 35+75 on final alta - Buyer-04/22/2025

Open-Fees collected on HUD1/Settlement Statement do not match fees reflected in HELOC Agreement. The HELOC Agreement reflects Recording Fees of $XXX.XX. The Final Settlement Statement reflects recording fees of $XX.XX. - Due Diligence Vendor-04/21/2025

Resolved-Fees collected on HUD1/Settlement Statement match fees reflected in HELOC Agreement. - Due Diligence Vendor-04/23/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3916100

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009006

Closed

2025-04-08 15:48

2025-04-16 15:06

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Documentation received. - Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-04/15/2025

Open-File does not contain documentation to verify Borrower's primary housing rental payment of $X,XXX.XX per month. - Due Diligence Vendor-04/08/2025

Resolved-Documentation received. - Due Diligence Vendor-04/16/2025

XXXX

Second Home

Refinance

Cash Out - Other

3807300

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009075

Closed

2025-04-18 16:36

2025-04-21 14:36

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete The disclosure is not in the loan file. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/18/2025

Primary Residence

Refinance

Cash Out - Other

3902655

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009018

Closed

2025-04-22 16:54

2025-05-01 14:20

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-05/01/2025

Ready for Review-Document Uploaded. Please see attached. - Buyer-04/30/2025

Open-Final HUD-1 Document is missing. - Due Diligence Vendor-04/22/2025

Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-05/01/2025

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

3927658

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009018

Closed

2025-04-22 18:46

2025-04-25 21:01

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded. Please find the attached exception form. - Buyer-04/25/2025

Open-Audited DTI of 46.34% exceeds Guideline DTI of 43%. Lender exception in the file does not match the Loan Amount, Lists LTV which should be CLTV, wrong DTI Limit, only one compensating factor. - Due Diligence Vendor-04/22/2025

Waived-Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-04/25/2025

XXXX

36+ months 0x30 housing payment history - 47 months verified on Credit Report.

Primary Residence

Refinance

Cash Out - Debt Consolidation

3929507

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009024

Closed

2025-05-01 13:07

2025-09-18 19:29

Waived

2 - Non-Material

Credit

Eligibility

Subject Property in Declining Market

Waived-A lender exception is present in the loan file, dated prior to consummation, and all compensating factors have been reviewed and validated. This finding is downgraded and will be rated B for all agencies.

- Due Diligence Vendor-09/18/2025

Waived-Subject property is in a declining market and therefore, ineligible for financing.

Subject property is located in declining market. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-09/18/2025

- Due Diligence Vendor-09/18/2025

Waived-Subject property is in a declining market and therefore, ineligible for financing.

36 months 0x30 housing payment history.

X-Mileage reimbursement

CLTV of 61.09% less than 75% guideline max.

Primary Residence

Refinance

Cash Out - Other

4013771

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009024

Closed

2025-04-25 20:05

2025-06-09 13:24

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Lender provided Fraud Report with exclusionary lists checked. Condition cleared. - Due Diligence Vendor-06/09/2025

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-06/09/2025

Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-06/06/2025

Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-04/25/2025

Resolved-Lender provided Fraud Report with exclusionary lists checked. Condition cleared. - Due Diligence Vendor-06/09/2025

Resolved-All Interested Parties Checked against Exclusionary Lists - Due Diligence Vendor-06/09/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3967952

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009024

Closed

2025-04-25 20:05

2025-06-09 13:24

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Lender provided Fraud Report. Condition cleared. - Due Diligence Vendor-06/09/2025

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/09/2025

Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-06/06/2025

Open-Missing Third Party Fraud Report - Due Diligence Vendor-04/25/2025

Resolved-Lender provided Fraud Report. Condition cleared. - Due Diligence Vendor-06/09/2025

Resolved-Third Party Fraud Report is provided - Due Diligence Vendor-06/09/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3967953

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009071

Closed

2025-04-22 15:47

2025-05-02 17:38

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/02/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-04/22/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/02/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3926625

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009071

Closed

2025-04-22 15:21

2025-04-23 17:55

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/22/2025

Primary Residence

Refinance

Cash Out - Other

3926230

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009057

Closed

2025-05-14 17:56

2025-06-04 11:03

Resolved

1 - Information

Compliance

Disclosure

HUD fees and HELOC Agreement fees do not match

Resolved-Final Settlement Statement after recording provided by Title along with COC document. Recording Fee reduced to $XXX and additional proceeds of $XXX issued to borrower. Resolved. - Due Diligence Vendor-06/04/2025

Ready for Review-This is the final SS provided by title, after recording. This consists of the final recording charges.

When we issue Post Closing HELOC Disbursement schedule, we don't send out new HELOC agreement, and this is how similar condition in other files is cleared. Please clear this condition. - Buyer-05/30/2025

Counter-Final ALTA Settlement Statement (printed XX/XX) was provided. However, fees still do not match the HELOC Agreement. The HELOC Agreement reflects Recording Fees of $XXX.XX while the ALTA SS reflect total Recording fees of $XXX.XX ($XX + $XXX + $XXX). Condition retained. - Due Diligence Vendor-05/27/2025

Ready for Review-Document Uploaded. Please see attached Final ALTA and PCCD - Buyer-05/26/2025

Open-Fees collected on HUD1/Settlement Statement do not match fees reflected in HELOC Agreement. Recording Fees on the HELOC Credit Agreement are $XXX.XX. The Final Settlement Statement shows Recording Fees of $XX.XX, $XXX.XX, and $XXX.XX for a total of $XXX.XX. - Due Diligence Vendor-05/14/2025

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

4141104

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009010

Closed

2025-04-18 14:03

2025-04-30 01:46

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-04/30/2025

Ready for Review-Document Uploaded. Please see attached. - Buyer-04/29/2025

Open-Final HUD-1 Document is missing. - Due Diligence Vendor-04/18/2025

Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-04/30/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3900356

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009077

Closed

2025-05-13 13:49

2025-05-19 14:28

Waived

2 - Non-Material

Credit

Eligibility

Housing History Does Not Meet Guideline Requirements

Waived-Housing History Does Not Meet Guideline Requirements Lender Provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated.

- Due Diligence Vendor-05/13/2025

Waived-Housing History Does Not Meet Guideline Requirements Lender Provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated.

- Due Diligence Vendor-05/13/2025

Compensating Factors are (CLTV<5% below the maximum qualifying, Employment for an extended period at the same job, credit score >/= 10+ Points more than qualifying) Met

Primary Residence

Refinance

Cash Out - Other

4125766

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009039

Closed

2025-05-20 17:12

2025-05-20 17:39

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 Gap Credit Report is Missing

Waived-Borrower 1 Gap Credit Report is Missing Guidelines require a credit refresh (LQI) when the credit report is older than 45 days from the note date. The credit report in file is 55 days. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated. - Due Diligence Vendor-05/20/2025

CLTV < 5% below the maximum; Employment for an extended period at the same job and credit score > 10 points more than qualifying.

Primary Residence

Refinance

Cash Out - Other

4193893

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009039

Closed

2025-05-15 11:58

2025-05-20 17:38

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2025

Primary Residence

Refinance

Cash Out - Other

4148155

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009098

Closed

2025-04-22 18:53

2025-05-01 14:07

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement) (TILA)

Resolved-Resolved - Due Diligence Vendor-05/01/2025

Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Reg Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c); 12 CFR 1026.15(c); and the Official Staff Commentary to Reg Z) The Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The loan disbursed on XX/XX/XXXX, per the Home Equity Revolving Loan Disbursement Schedule, which did not give the Borrower a full 3 day rescission. Additionally, the Settlement Statement in file did not provide a disbursement date and had a prepaid interest start date of XX/XX/XXXX. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-04/22/2025

Resolved-Resolved - Due Diligence Vendor-05/01/2025

Primary Residence

Refinance

Cash Out - Other

3929644

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009098

Closed

2025-04-23 19:13

2025-05-01 14:06

Resolved

1 - Information

Compliance

Disclosure

HELOC has HUD1/ALTA with inaccurate dates

Resolved-HUD1/ALTA dates are accurate - Due Diligence Vendor-05/01/2025

Ready for Review-Document Uploaded. Please see attached Final SS with correct Disbursement Date - Buyer-04/30/2025

Open-HELOC has HUD1/ALTA with inaccurate dates HELOC transaction has an Alta Settlement Statement with no disbursement date. The Loan documents were executed XX/XX/XXXX and notarized on XX/XX/XXXX. The Right to Cancel expired XX/XX/XXXX. Please provide the Final signed/ certified Settlement statement with correct closing and disbursement dates. - Due Diligence Vendor-04/23/2025

Resolved-HUD1/ALTA dates are accurate - Due Diligence Vendor-05/01/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3942498

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009013

Closed

2025-04-16 21:24

2025-07-29 16:50

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Audited DTI of 46.86% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/25/2025

Open-Audited DTI of 80.51% exceeds Guideline DTI of 50% Missing Lease Agreement for property listed in Section 3b on Borrower 1 loan application dated XX/XX/XXXX @ . When the full PITIA included, the DTI increased to 80.51%, which exceeds the guideline maximum 50%. - Due Diligence Vendor-04/16/2025

Resolved-Audited DTI of 46.86% is less than or equal to Guideline DTI of 50% - Due Diligence Vendor-04/25/2025

Investment

Refinance

Cash Out - Other

3884123

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009013

Closed

2025-04-21 16:48

2025-04-25 20:43

Resolved

1 - Information

Credit

Missing Doc

Missing Lease Agreement

Resolved-Bank statements provided with 12 payments made by another person. Lease not required. - Due Diligence Vendor-04/25/2025

Ready for Review-Document Uploaded. Please find the attached document. The borrower's brother is a co-signer on that loan and we have 12 months bank statements showing he makes the payment. Hence, negating the mortgage payment to $X. - Buyer-04/24/2025

Open-Missing completed, signed, Lease Agreements for property listed in section 3b on Borrower 1 loan application dated XX/XX/XXXX @ 1:36 pm. The property is not listed on Schedule E of tax returns. The lease provided in file was for the subject property. - Due Diligence Vendor-04/21/2025

Resolved-Bank statements provided with 12 payments made by another person. Lease not required. - Due Diligence Vendor-04/25/2025

XXXX

Investment

Refinance

Cash Out - Other

3916073

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009036

Closed

2025-04-30 16:44

2025-05-02 16:24

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-HOA doc received. - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/01/2025

Open-Missing evidence for HOA dues for primary residence. - Due Diligence Vendor-04/30/2025

Resolved-HOA doc received. - Due Diligence Vendor-05/02/2025

XXXX

Investment

Refinance

Cash Out - Other

4006058

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009036

Closed

2025-04-30 16:59

2025-05-02 16:22

Resolved

1 - Information

Compliance

Missing Doc

Missing Final HUD-1: HUD in file Not Signed or Stamped Certified

Resolved-FSS received. - Due Diligence Vendor-05/02/2025

Ready for Review-Document Uploaded. Please see attached Final ALTA - Buyer-05/02/2025

Open-Missing Final HUD-1: Compliance testing utilized Unexecuted & Uncertified HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. Final Alta Settlement Statement provided in file is not signed or certified. Additional conditions may apply upon receipt. - Due Diligence Vendor-04/30/2025

Resolved-FSS received. - Due Diligence Vendor-05/02/2025

XXXX

Investment

Refinance

Cash Out - Other

4006245

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009014

Closed

2025-06-04 19:00

2025-06-06 00:34

Resolved

1 - Information

Property

Missing Doc

Missing Appraisal (Property)

Resolved-Received 2055 appraisal. Condition cleared. - Due Diligence Vendor-06/06/2025

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-06/06/2025

Ready for Review-Document Uploaded. Please find the attached Appraisal Report. - Buyer-06/05/2025

Open-Appraisal or other primary valuation product is missing Subject loan is a 1st lien with a CTLV <= 65%. Lender Guidelines require a 2055 appraisal or an AVM with an exterior property inspection. AVM in file does not have an exterior property inspection. File contains an invoice for a 2055 appraisal and Settlement Statement shows borrower paid a fee for an appraisal. File is missing the copy of the 2055 appraisal. - Due Diligence Vendor-06/04/2025

Resolved-Received 2055 appraisal. Condition cleared. - Due Diligence Vendor-06/06/2025

Resolved-Appraisal or other primary valuation product was provided - Due Diligence Vendor-06/06/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4335517

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009014

Closed

2025-05-30 15:48

2025-06-04 19:11

Acknowledged

2 - Non-Material

Compliance

Disclosure

RESPA: AfBA Disclosure not provided timely

Acknowledged-RESPA: AfBA Disclosure Date XX/XX/XXXX is not within three business days of Application Date XX/XX/XXXX.This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/30/2025

Primary Residence

Refinance

Cash Out - Other

4284265

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009032

Closed

2025-05-09 18:39

2025-05-19 16:25

Resolved

1 - Information

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Resolved-Asset Depletion is an acceptable source of income for refinance transaction. Using this source of income results in a DTI of 48.85% which meets lender guideline. Finding resolved. - Due Diligence Vendor-05/19/2025

Ready for Review-As per XXXXXX guideline 4-2-6-13b Asset Depletion, we can use the income from Borrower's IRA over the 30 year amortization period of subject loan. - Buyer-05/16/2025

Open-Audited DTI of 51.13% exceeds Guideline DTI of 50% Lender used income of $XXX.XX per month for qualification based on calculating income from Borrower's IRA over the 30 year amortization period of the subject loan. This was done in accordance with Fannie Mae Guideline B3-3.1-09 Employment Related Assets As Qualifying Income. The subject loan was a cash out refinance. Fannie Mae Guidelines only allow Employment Related Assets As Qualifying Income for purchase and limited cash-out refinance transactions. With this income source excluded, the Debt Ratio exceeds Lender Guideline requirements. - Due Diligence Vendor-05/09/2025

Primary Residence

Refinance

Cash Out - Other

4098673

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009105

Closed

2025-05-07 14:31

2025-05-16 16:35

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-05/16/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/16/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/07/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/16/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4068890

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009093

Closed

2025-05-19 13:26

2025-05-21 15:55

Resolved

1 - Information

Credit

Missing Doc

Missing YTD Profit & Loss (Borrower 2)

Resolved-Received signed XXXX and YTD XXXX P&L. Condition cleared. - Due Diligence Vendor-05/21/2025

Ready for Review-Document Uploaded. PFA P&L - Buyer-05/21/2025

Open-Borrower 2 is self-employed and the YTD Profit & Loss is either missing or not executed. File is missing either a Profit and Loss Statement or Balance Sheet signed by Borrower 2 as required by Lender Guidelines. - Due Diligence Vendor-05/19/2025

Resolved-Received signed XXXX and YTD XXXX P&L. Condition cleared. - Due Diligence Vendor-05/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4176804

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009093

Closed

2025-05-19 13:25

2025-05-21 15:55

Resolved

1 - Information

Credit

Missing Doc

Missing YTD Profit & Loss (Borrower 1)

Resolved-Received signed 2024 and YTD 2025 P&L. Condition cleared. - Due Diligence Vendor-05/21/2025

Ready for Review-Document Uploaded. PFA P&L - Buyer-05/21/2025

Open-Borrower 1 is self-employed and the YTD Profit & Loss is either missing or not executed. File is missing either a Profit and Loss Statement or Balance Sheet signed by Borrower 1 as required by Lender Guidelines. - Due Diligence Vendor-05/19/2025

Resolved-Received signed XXXX and YTD XXXX P&L. Condition cleared. - Due Diligence Vendor-05/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4176800

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009093

Closed

2025-05-19 13:32

2025-05-21 15:51

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Personal Tax Returns Missing

Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-05/21/2025

Open-File is missing Borrower 1's XXXX 1040 Federal Tax Return. - Due Diligence Vendor-05/19/2025

Resolved-Borrower 1 Personal Tax Returns Provided - Due Diligence Vendor-05/21/2025

Primary Residence

Refinance

Cash Out - Other

4176883

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009093

Closed

2025-05-19 13:32

2025-05-21 15:51

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 Personal Tax Returns Missing

Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/21/2025

Open-File is missing Borrower 2's XXXX 1040 Federal Tax Return. - Due Diligence Vendor-05/19/2025

Resolved-Borrower 2 Personal Tax Returns Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/21/2025

Primary Residence

Refinance

Cash Out - Other

4176888

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009049

Closed

2025-04-28 16:54

2025-05-05 17:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded. VOE is dated XX/XX/XXXX and Note date is XX/XX/XXXX. VOE is within 10 business days of the Note date. Please find the attached document. - Buyer-05/05/2025

Open-Borrower 1 3rd Party VOE Prior to Close Missing Guidelines require a verbal verification of employment within 10 business days of the Note date when the paystubs are not within 10 days of closing. No Verbal provided and Paystubs are greater than 10 days. Additional conditions may apply upon receipt. - Due Diligence Vendor-04/28/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3981471

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009049

Closed

2025-04-28 16:54

2025-05-05 17:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 3rd Party VOE Prior to Close Missing

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/05/2025

Ready for Review-Document Uploaded. VOE is dated XX/XX/XXXX and Note date is XX/XX/XXXX. VOE is within 10 business days of the Note date. Please find the attached document. - Buyer-05/05/2025

Open-Borrower 2 3rd Party VOE Prior to Close Missing Guidelines require a verbal verification of employment within 10 business days of the Note date when the paystubs are not within 10 days of closing. No Verbal provided and Paystubs are greater than 10 days. Additional conditions may apply upon receipt. - Due Diligence Vendor-04/28/2025

Resolved-Borrower 2 3rd Party VOE Prior to Close Was Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-05/05/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3981472

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009059

Closed

2025-05-13 16:43

2025-05-20 13:01

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/13/2025

Primary Residence

Refinance

Cash Out - Other

4128814

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009011

Closed

2025-05-13 14:31

2025-05-27 12:35

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-5/27/25-Final HUD provided. Compliance resubmitted/cleared. - Due Diligence Vendor-05/27/2025

Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-05/27/2025

Ready for Review-Document Uploaded. Please see attached revised Post Close HELOC disbursement schedule and final ALTA - Seller-05/26/2025

Open-Final HUD-1 Document is missing. Compliance testing utilized Preliminary/ Estimated HUD from loan file. Additional exceptions may occur upon receipt of complete Final HUD-1. - Due Diligence Vendor-05/13/2025

Ready for Review-Document Uploaded. Please see attached revised Post Close HELOC disbursement schedule and final ALTA - Seller-05/26/2025

Resolved-5/27/25-Final HUD provided. Compliance resubmitted/cleared. - Due Diligence Vendor-05/27/2025

Resolved-Final HUD-1 Document is not missing. - Due Diligence Vendor-05/27/2025

XXXX

Investment

Refinance

Cash Out - Other

4126370

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009011

Closed

2025-05-13 13:59

2025-05-23 19:15

Resolved

1 - Information

Credit

Eligibility

OFAC Check Not Completed and/or Cleared

Resolved-Drive Report was provided. Condition cleared. - Due Diligence Vendor-05/23/2025

Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-05/23/2025

Open-OFAC Check Not Completed and/or Cleared - Due Diligence Vendor-05/13/2025

Resolved-Drive Report was provided. Condition cleared. - Due Diligence Vendor-05/23/2025

XXXX

Investment

Refinance

Cash Out - Other

4125943

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009011

Closed

2025-05-13 13:59

2025-05-23 19:14

Resolved

1 - Information

Credit

Missing Doc

Third Party Fraud Report not Provided

Resolved-Drive Report was provided. Condition cleared. - Due Diligence Vendor-05/23/2025

Ready for Review-Document Uploaded. Please find the attached documents. Property address XX X XXXXX XX, XXXXXXX, XX XXXXX is added on XX X XXXXX XX, XXXXXXX, XX XXXXX in VOM section and revised 1003 and 1008 printed and uploaded. - Buyer-05/23/2025

Open-Missing Third Party Fraud Report - Due Diligence Vendor-05/13/2025

Resolved-Drive Report was provided. Condition cleared. - Due Diligence Vendor-05/23/2025

XXXX

Investment

Refinance

Cash Out - Other

4125944

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009011

Closed

2025-05-13 13:59

2025-05-23 19:14

Resolved

1 - Information

Credit

Eligibility

All Interested Parties Not Checked with Exclusionary Lists

Resolved-Drive Report was provided. Condition cleared. - Due Diligence Vendor-05/23/2025

Ready for Review-Document Uploaded. Please find the attached documents. - Buyer-05/23/2025

Open-All Interested Parties Not Checked with Exclusionary Lists - Due Diligence Vendor-05/13/2025

Resolved-Drive Report was provided. Condition cleared. - Due Diligence Vendor-05/23/2025

XXXX

Investment

Refinance

Cash Out - Other

4125942

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009011

Closed

2025-05-19 21:25

2025-05-23 18:56

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lender provided mortgage statement on primary residence reflecting spouse as the borrower, spouse is not a borrower on the subject transaction. Condition cleared. - Due Diligence Vendor-05/23/2025

Ready for Review-Document Uploaded. Please find the attached document. Mortgage is in borrower's spouse name only and taxes insurance are escrowed. - Buyer-05/23/2025

Open-Missing evidence that the Borrower has no primary housing expenses. - Due Diligence Vendor-05/19/2025

XXXX

Investment

Refinance

Cash Out - Other

4184742

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009056

Closed

2025-05-30 10:28

2025-06-05 16:33

Resolved

1 - Information

Compliance

Missing Doc

Final HUD-1 Document is Missing

Resolved-. - Due Diligence Vendor-06/05/2025

Resolved-Final HUD-1 Document is not missing. Condition cleared. - Due Diligence Vendor-06/05/2025

Ready for Review-Document Uploaded. Please see attached Final SS - Buyer-06/05/2025

Open-Final HUD-1 Document is missing. - Due Diligence Vendor-05/30/2025

Resolved-. - Due Diligence Vendor-06/05/2025

Resolved-Final HUD-1 Document is not missing. Condition cleared. - Due Diligence Vendor-06/05/2025

XXXX

Investment

Refinance

Cash Out - Other

4280166

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009056

Closed

2025-05-30 11:11

2025-06-05 16:23

Resolved

1 - Information

Credit

Missing Doc

Missing income documentation

Resolved-Received WVOE. Condition cleared. - Due Diligence Vendor-06/05/2025

Ready for Review-Document Uploaded. WVOE is provided in file. Please find the attached document. - Buyer-06/05/2025

Open-The lender guideline require a minimum of two years employment history with either 2 Years W2 or 2 years IRS Transcripts. The file only contains one-year IRS Transcripts. - Due Diligence Vendor-05/30/2025

Resolved-Received WVOE. Condition cleared. - Due Diligence Vendor-06/05/2025

XXXX

Investment

Refinance

Cash Out - Other

4280465

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009056

Closed

2025-05-30 09:59

2025-06-05 16:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 3rd Party VOE Prior to Close Missing

Resolved-. - Due Diligence Vendor-06/05/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. Condition cleared. - Due Diligence Vendor-06/05/2025

Ready for Review-Document Uploaded. WVOE provided in file is within 10 business days of closing. Please find the attached document. - Seller-06/05/2025

Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-05/30/2025

Ready for Review-Document Uploaded. WVOE provided in file is within 10 business days of closing. Please find the attached document. - Seller-06/05/2025

Resolved-. - Due Diligence Vendor-06/05/2025

Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided. Condition cleared. - Due Diligence Vendor-06/05/2025

XXXX

Investment

Refinance

Cash Out - Other

4279766

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009056

Closed

2025-06-04 14:58

2025-06-05 16:21

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Award Letter Missing

Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-06/05/2025

Resolved-. - Due Diligence Vendor-06/05/2025

Resolved-Received Award letters. Condition cleared. - Due Diligence Vendor-06/05/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-06/05/2025

Open-Borrower 1 Award Letter Missing The file is either an award letter or 1099 for Social Security reported on the final 1003. Additional conditions may apply. - Due Diligence Vendor-06/04/2025

Resolved-Borrower 1 Award Letter Provided - Due Diligence Vendor-06/05/2025

Resolved-. - Due Diligence Vendor-06/05/2025

Resolved-Received Award letters. Condition cleared. - Due Diligence Vendor-06/05/2025

XXXX

Investment

Refinance

Cash Out - Other

4331059

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009068

Closed

2025-05-07 11:15

2025-05-09 20:26

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Audited DTI of 46.68% exceeds Guideline DTI of 43% Lender Guideline states Max DTI is 43% however calculated DTI is 46.68%. Lender Exception provided dated prior to consummation and all lender compensating factors have been documented and Validated - Due Diligence Vendor-05/07/2025

Employment of 5 years same job - 11 years

36+ Months 0x30 housing payment history - 43 months

Primary Residence

Refinance

Cash Out - Debt Consolidation

4066417

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009068

Closed

2025-05-06 20:55

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/06/2025

Primary Residence

Refinance

Cash Out - Debt Consolidation

4062712

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009085

Closed

2025-05-12 20:03

2025-05-21 15:33

Resolved

1 - Information

Credit

Missing Doc

Flood Insurance Policy Missing

Resolved-. - Due Diligence Vendor-05/21/2025

Resolved-Flood Insurance Policy received. Condition cleared. - Due Diligence Vendor-05/21/2025

Ready for Review-Document Uploaded. PFA Flood Ins - Buyer-05/21/2025

Open-Missing Flood Insurance Policy - Due Diligence Vendor-05/12/2025

Resolved-. - Due Diligence Vendor-05/21/2025

Resolved-Flood Insurance Policy received. Condition cleared. - Due Diligence Vendor-05/21/2025

XXXX

Investment

Refinance

Cash Out - Other

4119462

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009103

Closed

2025-05-13 13:22

2025-05-20 14:24

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure is Missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/13/2025

Primary Residence

Refinance

Cash Out - Other

4125374

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009028

Closed

2025-05-12 16:16

2025-05-23 17:05

Resolved

1 - Information

Property

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

Resolved-05/23/25-A clear property inspection report dated 05/21/2025 provided. - Due Diligence Vendor-05/23/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/23/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/22/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-05/12/2025

Resolved-05/23/25-A clear property inspection report dated 05/21/2025 provided. - Due Diligence Vendor-05/23/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-05/23/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4115085

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009089

Closed

2025-05-15 14:15

2025-05-20 19:03

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete Homeownership Counseling Organizations Disclosure is missing. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-05/15/2025

Primary Residence

Refinance

Cash Out - Other

4149592

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009019

Closed

2025-06-10 17:56

2025-06-24 16:37

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 Credit Report is Missing

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/24/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-06/20/2025

Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-06/10/2025

Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-06/24/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4398631

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009026

Closed

2025-06-12 11:12

2025-09-18 19:30

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

- Due Diligence Vendor-09/18/2025

Waived-Audited DTI of 47.37% exceeds Guideline DTI of 43% - Due Diligence Vendor-06/12/2025

- Due Diligence Vendor-09/18/2025

Waived-Audited DTI of 47.37% exceeds Guideline DTI of 43% - Due Diligence Vendor-06/12/2025

1. IRA Distribution on tax return not being Used.

2. 36+ Months 0x30 Housing history payment

Primary Residence

Refinance

Cash Out - Other

4421844

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009003

Closed

2024-02-23 19:44

2024-02-27 17:44

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation on Pre-TRID loan is missing for borrower(s)

Resolved-E Consent received. - Due Diligence Vendor-02/27/2024

Ready for Review-Document Uploaded. Please refer attached E-consent document. - Buyer-02/27/2024

Open-E-Consent documentation on Pre-TRID loan is missing for borrower(s) - Due Diligence Vendor-02/23/2024

Resolved-E Consent received. - Due Diligence Vendor-02/27/2024

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1451702

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009003

Closed

2024-02-23 19:21

2024-02-26 19:39

Resolved

1 - Information

Credit

Missing Doc

HO6 Insurance Policy is Missing

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-02/26/2024

Ready for Review-Document Uploaded. Please see attached Master policy. - Buyer-02/26/2024

Counter-Please provide master policy. - Due Diligence Vendor-02/26/2024

Ready for Review-Document Uploaded. Please see attached HO6 policy - Buyer-02/26/2024

Open-Missing HO-6 Master Insurance Policy - Due Diligence Vendor-02/23/2024

Resolved-HO-6 Master Insurance Policy is fully present - Due Diligence Vendor-02/26/2024

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1451644

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009003

Closed

2024-02-23 21:07

2024-02-26 18:14

Resolved

1 - Information

Credit

Missing Doc

Missing Evidence of HOA Dues for Primary Residence

Resolved-Proof of HOA dues received. - Due Diligence Vendor-02/26/2024

Ready for Review-Document Uploaded. Please see attached HOA Dues for Primary Residence. - Seller-02/26/2024

Open-Missing Evidence of HOA Dues for Primary Residence - Due Diligence Vendor-02/23/2024

Ready for Review-Document Uploaded. Please see attached HOA Dues for Primary Residence. - Seller-02/26/2024

Resolved-Proof of HOA dues received. - Due Diligence Vendor-02/26/2024

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1451863

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009003

Closed

2024-02-23 18:49

2024-02-23 21:06

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/23/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1451550

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009003

Closed

2024-02-23 19:47

2024-02-23 21:05

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1451708

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-02 11:44

2024-02-12 15:48

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-02/12/2024

Ready for Review-Document Uploaded. Please see disaster report uploaded with no damage to the subject property - Seller-02/09/2024

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-02/02/2024

Ready for Review-Document Uploaded. Please see disaster report uploaded with no damage to the subject property - Seller-02/09/2024

Resolved-Post incident inspection provided - Due Diligence Vendor-02/12/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

1410021

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-02 10:47

2024-02-08 17:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 1 W2/1099 Missing

Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-02/08/2024

Ready for Review-Document Uploaded. Please see attached W2 for XXXX-XXXX for Borrower 1 - Seller-02/07/2024

Open-Borrower 1 W2/1099 Missing - Due Diligence Vendor-02/02/2024

Ready for Review-Document Uploaded. Please see attached W2 for XXXX-XXXX for Borrower 1 - Seller-02/07/2024

Resolved-Borrower 1 W2/1099 Provided - Due Diligence Vendor-02/08/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

1409915

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-02 10:47

2024-02-08 17:22

Resolved

1 - Information

Credit

Missing Doc

Borrower 2 W2/1099 Missing

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/08/2024

Ready for Review-Document Uploaded. Please see attached, Borrower 2 W2 for XXXX-XXXX - Buyer-02/07/2024

Open-Borrower 2 W2/1099 Missing - Due Diligence Vendor-02/02/2024

Resolved-Borrower 2 W2/1099 Provided or Not Applicable (Number of Borrowers equals 2) - Due Diligence Vendor-02/08/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

1409916

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-05 20:07

2024-02-08 16:53

Resolved

1 - Information

Credit

Missing Doc

Required Documentation is Missing

Resolved-Lien certificate on notice of tax lien and lien number on payoff demand match. - Due Diligence Vendor-02/08/2024

Ready for Review-Document Uploaded. Please see attached documents from the loan file confirming the Lien amount for federal tax, - Seller-02/07/2024

Open-Missing documentation to verify if Tax lien payoff of $XXXX.XX is the same as reflected on title for $XX,XXX.XX. - Due Diligence Vendor-02/05/2024

Ready for Review-Document Uploaded. Please see attached documents from the loan file confirming the Lien amount for federal tax, - Seller-02/07/2024

Resolved-Lien certificate on notice of tax lien and lien number on payoff demand match. - Due Diligence Vendor-02/08/2024

XXXX

Primary Residence

Refinance

Cash Out - Other

1414315

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-05 19:52

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 2 IRS Transcripts Missing

Waived-GL section 4-2-6-5, requires transcripts for all borrowers, however our investor’s guidelines require transcripts for only self-employed borrowers. We have provided a blanket internal exception to waive transcripts for non S/E borrowers. - Due Diligence Vendor-02/05/2024

Primary Residence

Refinance

Cash Out - Other

1414278

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-05 19:51

Waived

2 - Non-Material

Credit

Missing Doc

Borrower 1 IRS Transcripts Missing

Primary Residence

Refinance

Cash Out - Other

1414276

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-05 19:46

Waived

2 - Non-Material

Credit

Eligibility

Transaction Ineligible

Waived-Guidelines require a minimum draw period of 60 months; however, the HELOC Agreement reflects a draw period 36 months. Lender has provided a blanket certification allowing for a draw period of 36 months. - Due Diligence Vendor-02/05/2024

Primary Residence

Refinance

Cash Out - Other

1414259

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-02 13:32

2024-02-05 19:43

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/02/2024

Primary Residence

Refinance

Cash Out - Other

1410251

Originator Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-02 11:12

2024-02-05 19:42

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/05/2024

Primary Residence

Refinance

Cash Out - Other

1409948

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009001

Closed

2024-02-02 13:29

2024-02-05 19:41

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/05/2024

Primary Residence

Refinance

Cash Out - Other

1410235

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009002

Closed

2024-02-23 17:14

2024-02-27 17:39

Resolved

1 - Information

Compliance

Disclosure

HELOC Initial Disclosure is missing

Resolved-HELOC Initial Disclosure provided - Due Diligence Vendor-02/27/2024

Ready for Review-Document Uploaded. Please refer attached Initial Disclosure. - Buyer-02/27/2024

Open-HELOC Initial Disclosure is missing - Due Diligence Vendor-02/23/2024

Resolved-HELOC Initial Disclosure provided - Due Diligence Vendor-02/27/2024

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1451276

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009002

Closed

2024-02-23 13:30

2024-02-27 17:37

Resolved

1 - Information

Compliance

Disclosure

E-Consent documentation is missing for borrower(s)

Resolved-E Consent received. - Due Diligence Vendor-02/27/2024

Ready for Review-Document Uploaded. Please refer attached E-consent document. - Buyer-02/27/2024

Open-E-Consent documentation on TRID loan is missing for borrower(s) - Due Diligence Vendor-02/23/2024

Resolved-E Consent received. - Due Diligence Vendor-02/27/2024

XXXX

Primary Residence

Refinance

Cash Out - Debt Consolidation

1450602

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009002

Closed

2024-02-22 19:31

2024-02-23 17:12

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/23/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1449373

Originator Post-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009002

Closed

2024-02-23 13:00

2024-02-23 17:12

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-02/23/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1450554

Originator Post-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009002

Closed

2024-02-23 12:59

2024-02-23 17:11

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Privacy Notice Required - Missing or Incomplete

Acknowledged-Privacy Notice Required - Missing or Incomplete This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-02/23/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1450551

Originator Post-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009005

Closed

2024-11-11 20:52

2024-11-13 17:16

Resolved

1 - Information

Compliance

Missing Doc

Missing HUD-1 Closing Statement

Resolved-Received - Due Diligence Vendor-11/13/2024

Ready for Review-Document Uploaded. Please find the attached. - Buyer-11/12/2024

Open-File contained estimated settlement statement. Final settlement statement not provided in file. - Due Diligence Vendor-11/11/2024

Resolved-Received - Due Diligence Vendor-11/13/2024

XXXX

Investment

Refinance

Cash Out - Other

2785550

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009005

Closed

2024-11-11 20:14

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/11/2024

Investment

Refinance

Cash Out - Other

2785128

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009004

Closed

2024-04-11 15:22

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.

- Due Diligence Vendor-04/11/2024

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A.

- Due Diligence Vendor-04/11/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1570871

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009004

Closed

2024-04-11 14:36

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: AfBA Disclosure is Missing

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.

- Due Diligence Vendor-04/11/2024

Acknowledged-RESPA: AfBA Disclosure is Missing This finding is non-material and will be rated a B for all agencies.

- Due Diligence Vendor-04/11/2024

Primary Residence

Refinance

Cash Out - Debt Consolidation

1570392

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009106

Closed

2024-11-05 18:19

2024-11-12 14:45

Acknowledged

2 - Non-Material

Compliance

Missing Doc

Homeownership Counseling Organizations Disclosure Missing or Incomplete

Acknowledged-Homeownership Counseling Organizations Disclosure Missing or Incomplete. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-11/12/2024

Primary Residence

Refinance

Cash Out - Other

2747024

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009106

Closed

2024-11-05 19:34

Acknowledged

1 - Information

Property

Value

S&P value equals C, junior lien and no secondary product

Acknowledged-S&P RA Only – Junior lien and no secondary product. This finding will be rated a C for S&P. All other agencies will be rated as A. - Due Diligence Vendor-11/05/2024

Primary Residence

Refinance

Cash Out - Other

2747973

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009107

Closed

2025-03-20 19:09

2025-03-24 19:33

Resolved

1 - Information

Property

Value

Missing Valuation Review Product - 1

Resolved-AVM received. - Due Diligence Vendor-03/24/2025

Ready for Review-Document Uploaded. Please find attached AVM - Buyer-03/21/2025

Counter-Valuations are same vendor, same day. Separate valuations, separate vendors are required. - Due Diligence Vendor-03/21/2025

Ready for Review-Document Uploaded. Please find attached AVM + PCI report for your reference. - Buyer-03/20/2025

Open-A valid secondary valuation supporting the origination appraisal value is not present. A valid secondary valuation supporting the origination appraisal value is not present. - Due Diligence Vendor-03/20/2025

Resolved-AVM received. - Due Diligence Vendor-03/24/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3661609

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009107

Closed

2025-03-07 15:44

2025-03-20 19:10

Resolved

1 - Information

Property

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

Resolved-Post incident inspection provided - Due Diligence Vendor-03/20/2025

Ready for Review-Document Uploaded. AVM+PCI Report is available in file. Please find the attached document. - Buyer-03/20/2025

Open-Subject property is in recent disaster area and there is no post incident inspection - Due Diligence Vendor-03/07/2025

Resolved-Post incident inspection provided - Due Diligence Vendor-03/20/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3555262

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009111

Closed

2025-04-03 13:07

2025-04-21 19:22

Resolved

1 - Information

Compliance

Disclosure

HUD fees and HELOC Agreement fees do not match

Resolved-Final Settlement Statement received. - Due Diligence Vendor-04/21/2025

Ready for Review-Document Uploaded. Please see attached updated ALTA. Also regarding NOTE Fee not matching with alta, we have resolved these conditions in past by providing signed HELOC Disbursement Schedule, which I have uploaded here too on XX/XX- Buyer-04/21/2025

Counter-Documentation provided is insufficient and does not match signed Note, additionally, HUD confirming fees not received. - Due Diligence Vendor-04/16/2025

Ready for Review-Document Uploaded. Please see attached signed HELOC Disbursement Schedule for updated Fees. Also please see attached updated HUD reflecting the said 3 fees paid by Lender - Buyer-04/15/2025

Open-Fees collected on HUD1/Settlement Statement do not match fees reflected in HELOC Agreement. The Final HUD and Disbursement Schedule fees do not match the HELOC Agreement Fees. The HELOC Note shows Settlement Fee $XXX and the Final HUD shows $XXX. The Note shows Title Insurance $XXX and the HUD shows $X. The Note has Recording Fees $XXX and The HUD $XXX. The Note does not have a Tax Certification fee but the HUD has Tax Certification $XX. Additionally, The Note shows the Appraisal Review Fee, Due Diligence Report and Flood Certification as POC/L but the HUD shows Paid outside closing by Borrower. The Note shows the Credit Report fee PAC/B, but the HUD shows Paid outside closing by Borrower. Provide correct Fees. Upon receipt, additional conditions may apply. - Due Diligence Vendor-04/03/2025

Resolved-Final Settlement Statement received. - Due Diligence Vendor-04/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

3763104

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009114

Closed

2025-04-23 19:33

2025-04-23 19:44

Waived

2 - Non-Material

Credit

Eligibility

Credit history does not meet guidelines

Waived-Lender Guidelines require two active tradelines with 24 month history and active mortgage with 12 months 0x30 OR 3 years of 0x30 mortgage history. Borrower has no mortgage history. A lender exception is present in the loan file, dated prior to consummation, providing adequate comp factors. This finding is non-material and will be rated a B for all agencies. - Due Diligence Vendor-04/23/2025

CLTV <5% below the maximum qualifying - G/L Max CLTV - 85%, actua CLTV 15.07%l

DTI <5% below maximum qualifying - G/L DTI 43% - Actual DTI 19.33%

Income not used to Qualify - Retirement Income not used to qualify

Primary Residence

Refinance

Cash Out - Debt Consolidation

3942861

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009114

Closed

2025-04-22 18:55

Acknowledged

2 - Non-Material

Compliance

Missing Doc

RESPA: Servicing Transfer Notice Missing

Acknowledged-RESPA: Servicing Transfer Notice Missing. Servicing Transfer Notice Missing. - Due Diligence Vendor-04/22/2025

Primary Residence

Refinance

Cash Out - Debt Consolidation

3929689

Investor Post-Close

XXXXXX XXXXXX

XXXXXXXXX

20251009115

Closed

2025-04-30 13:11

2025-05-21 15:58

Resolved

1 - Information

Compliance

Rescission:Variance

Federal - Right of Rescission Disclosure Variance Failure (TILA)

Resolved-Corrected and recorded Mortgage was provided reflecting notary date of XX/XX/XXXX. Loan was disbursed on XX/XX/XXXX after end of rescission period of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/21/2025

Ready for Review-Document Uploaded. Please see attached the rerecorded copy with correct Notarized date on Mortgage - Buyer-05/21/2025

Open-The lender's disclosed "Right to Cancel Expire Date" (XX/XX/XXXX) is earlier than the calculated "Right to Cancel Expire Date" (XX/XX/XXXX7). Under Reg Z, funds may not be disbursed to the borrower until the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c); 12 CFR 1026.15(c); and the Official Staff Commentary to Reg Z) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The Mortgage was Notarized on XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the Settlement Statement and the Home Equity Revolving Loan Disbursement Schedule, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-04/30/2025

Resolved-Corrected and recorded Mortgage was provided reflecting notary date of XX/XX/XXX. Loan was disbursed on XX/XX/XXXX after end of rescission period of XX/XX/XXXX. Condition cleared. - Due Diligence Vendor-05/21/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4002262

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009115

Closed

2025-04-30 13:11

2025-05-21 15:58

Resolved

1 - Information

Compliance

Rescission:Disbursement

Federal - Right of Rescission (Loan Disbursement) (TILA)

Ready for Review-Document Uploaded. Please see attached re-recorded copy with correct Notarized date on Mortgage as XX/XX - Buyer-05/21/2025

Open-The loan disbursement date (XX/XX/XXXX) is earlier than, or the same day as, the calculated "Right to Cancel Expire Date" (XX/XX/XXXX). Under Reg Z, funds may not be disbursed to the borrower until after the expiration of the rescission period. (Reg Z, 12 CFR 1026.23(c); 12 CFR 1026.15(c); and the Official Staff Commentary to Reg Z) Right to Cancel provided in the loan file reflects a transaction date of XX/XX/XXXX with an expiration date of XX/XX/XXXX. The Mortgage was Notarized on XX/XX/XXXX. The loan disbursed on XX/XX/XXXX per the Settlement Statement and the Home Equity Revolving Loan Disbursement Schedule, which did not give the Borrower a full 3 days rescission. Provide Letter of Explanation, Re-Disclose Correct Information, Proof of Borrower Receipt, and Re-open Rescission. - Due Diligence Vendor-04/30/2025

XXXX

Primary Residence

Refinance

Cash Out - Other

4002261

N/A

XXXXXX XXXXXX

XXXXXXXXX

20251009115

Closed

2025-04-28 15:56

2025-04-30 13:12

Waived

2 - Non-Material

Credit

Eligibility

Audited DTI Exceeds Guideline DTI

Waived-Audited DTI of 49.46% exceeds Guideline DTI of 43% Guidelines allow a maximum DTI of 43%. The calculated DTI of 49.46% exceed the maximum DTI. Lender provided approved exception dated prior to consummation and all lender compensating factors have been documented and validated.

- Due Diligence Vendor-04/28/2025

1. FICO 10 points above requirement

2. 36+ Months 0x30 housing payment history

Primary Residence

Refinance

Cash Out - Other

3980630

Originator Pre-Close

Yes

XXXXXX XXXXXX

XXXXXXXXX

20251009112

Closed

2025-05-15 18:12

2025-05-27 12:05

Resolved

1 - Information

Credit

Missing Doc

Missing proof of residency status for Non-US Citizen (Borrower 2)

Resolved-5/27/25-Employment authorization document reflecting an expiration date of XX/XX/XXXX for B2 provided. - Due Diligence Vendor-05/27/2025

Ready for Review-Document Uploaded. Please find the attached document. - Buyer-05/23/2025

Open-Missing proof of residency status for Non-US Citizen (Borrower2) - Due Diligence Vendor-05/15/2025

Resolved-5/27/25-Employment authorization document reflecting an expiration date of XX/XX/XXXX for B2 provided. - Due Diligence Vendor-05/27/2025

XXXX

Investment

Refinance

Cash Out - Other

4154010

N/A