EX-99.5 40 ex995s8.htm SCHEDULE 8 - NON ATR QM REPORT
 

GS Mortgage-Backed Securities Trust 2024-PJ2 ABS-15G

Exhibit 99.5 - Schedule 8

 

 

Client Name:  
Client Project Name: GSMBS 2024-PJ2
Start - End Dates: 10/5/2023 - 12/7/2023
Deal Loan Count: 55
   
       
ATR QM Upload    
       
Loans in Report: 55

 

Loan Number Deal Seller Loan Number Original Principal Balance State Loan Level ATR/QM Status Lender Provided ATR/QM Worksheet Initial Lender ATR/QM Status Application Date Borrowers Qualified Through a Non-Resident Alien Program Occupancy Property Type Number of Units Loan Type Exempt Loan Product Type Exempt Loan Housing Agency Community Housing Development Credit Under Economic Stabilization Act Of 2008 Refinance Of Non-Standard Mortgage Higher Priced Covered Transaction State Prepay Exceptions Loan Purpose Loan Term Exceeds 30 Years Interest Only Feature Negative Amortization Balloon Payment Prepay Penalty Flag Prepayment Penalty Type Prohibited Prepayment Penalty Exceeds Points And Fees Exceeds DTI Limit Lien Position APR QM Calculated DTI Adherence QM Lenders DTI Adherence QM Fee Adherence - Total Charges % QM Fee Adherence - Lenders Fee % Fannie Mae Eligible Freddie Mac Eligible VA Guaranty Eligible FHA Insured Eligible USDA Guarantee Eligible Rural Housing Service Insured Eligible QM - Expected Income Or Assets For DTI QM - Current Employment Status For DTI QM - Monthly Payment On Subject Loan For DTI QM - Monthly Payment On Additional Loan For DTI QM - Monthly Payment Mortgage Related Obligations QM - Current Debt Obligations Alimony and Child Support for DTI QM - Monthly DTI Ratio Or Residual Income ATR - Guidelines Provided to Document Approach ATR - Current And Expected Income And Assets ATR - Current Employment Status ATR - Mortgage Payment Obligation ATR - Mortgage Payment on Simultaneous Transaction ATR - Payment For Mortgage Related Obligations ATR - Debt Obligations Including Alimony and Child Support ATR - Monthly DTI Ratio or Residual Income ATR - Consumer Credit History ATR Lenders - DTI (Back) ATR Calculated DTI (Back) QM Lender Value DTI (Back) QM Calculated DTI (Back) Initial DTI (Back) DTI Qualifying (Back) Residual Income Analysis in File Residual Income Guidelines Did Loan Meet Guidelines Residual Income Amount Short Sale Short Sale Date Deed In Lieu Deed In Lieu Date QRM Flag Borrower 2 Guarantor Flag Borrower 3 Guarantor Flag Borrower 4 Guarantor Flag Borrower 1 Paystub Flag Borrower 1 Paystub Number of Months Borrower 2 Paystub Flag Borrower 2 Paystub Number of Months Borrower 3 Paystub Flag Borrower 3 Paystub Number of Months Borrower 4 Paystub Flag Borrower 4 Paystub Number of Months Borrower 1 W2 Flag Borrower 1 W2 Number of Months Borrower 2 W2 Flag Borrower 2 W2 Number of Months Borrower 3 W2 Flag Borrower 3 W2 Number of Months Borrower 4 W2 Flag Borrower 4 W2 Number of Months Borrower 1 Personal Tax Return Flag Borrower 1 Personal Tax Return Number of Months Borrower 2 Personal Tax Return Flag Borrower 2 Personal Tax Return Number of Months Borrower 3 Personal Tax Return Flag Borrower 3 Personal Tax Return Number of Months Borrower 4 Personal Tax Return Flag Borrower 4 Personal Tax Return Number of Months Borrower 1 Business Tax Return Flag Borrower 1 Business Tax Return Number of Months Borrower 2 Business Tax Return Flag Borrower 2 Business Tax Return Number of Months Borrower 3 Business Tax Return Flag Borrower 3 Business Tax Return Number of Months Borrower 4 Business Tax Return Flag Borrower 4 Business Tax Return Number of Months Borrower 1 Verbal VOE Flag Borrower 1 Verbal VOE Number of Months Borrower 2 Verbal VOE Flag Borrower 2 Verbal VOE Number of Months Borrower 3 Verbal VOE Flag Borrower 3 Verbal VOE Number of Months Borrower 4 Verbal VOE Flag Borrower 4 Verbal VOE Number of Months Borrower 1 Written VOE Flag Borrower 1 Written VOE Number of Months Borrower 2 Written VOE Flag Borrower 2 Written VOE Number of Months Borrower 3 Written VOE Flag Borrower 3 Written VOE Number of Months Borrower 4 Written VOE Flag Borrower 4 Written VOE Number of Months Borrower 1 P&L Flag Borrower 1 P&L Number of Months Borrower 2 P&L Flag Borrower 2 P&L Number of Months Borrower 3 P&L Flag Borrower 3 P&L Number of Months Borrower 4 P&L Flag Borrower 4 P&L Number of Months Borrower 1 Lease Agreement Flag Borrower 1 Lease Agreement Number of Months Borrower 2 Lease Agreement Flag Borrower 2 Lease Agreement Number of Months Borrower 3 Lease Agreement Flag Borrower 3 Lease Agreement Number of Months Borrower 4 Lease Agreement Flag Borrower 4 Lease Agreement Number of Months Is the Loan a Short-Term Rental? Equity Income Flag Equity Income Amount Equity Income Number of Months DSCR with Rent Schedule Flag DSCR with Rent Schedule Income Amount DSCR with Lease Agreement Flag DSCR with Lease Agreement Income Amount DSCR % Borrower 1 CPA Letter with Income Flag Borrower 1 CPA Letter with Income Number of Months Borrower 1 CPA Letter without Income Flag Borrower 1 CPA Letter without Income Number of Months Borrower 2 CPA Letter with Income Flag Borrower 2 CPA Letter with Income Number of Months Borrower 2 CPA Letter without Income Flag Borrower 2 CPA Letter without Income Number of Months Borrower 3 CPA Letter with Income Flag Borrower 3 CPA Letter with Income Number of Months Borrower 3 CPA Letter without Income Flag Borrower 3 CPA Letter without Income Number of Months Borrower 4 CPA Letter with Income Flag Borrower 4 CPA Letter with Income Number of Months Borrower 4 CPA Letter without Income Flag Borrower 4 CPA Letter without Income Number of Months Borrower 1 Personal Bank Statements Flag Borrower 1 Personal Bank Statements Number of Months Borrower 2 Personal Bank Statements Flag Borrower 2 Personal Bank Statements Number of Months Borrower 3 Personal Bank Statements Flag Borrower 3 Personal Bank Statements Number of Months Borrower 4 Personal Bank Statements Flag Borrower 4 Personal Bank Statements Number of Months Borrower 1 Business Bank Statements Flag Borrower 1 Business Bank Statements Number of Months Borrower 2 Business Bank Statements Flag Borrower 2 Business Bank Statements Number of Months Borrower 3 Business Bank Statements Flag Borrower 3 Business Bank Statements Number of Months Borrower 4 Business Bank Statements Flag Borrower 4 Business Bank Statements Number of Months Borrower 1 Award Letter Flag Borrower 1 Award Letter Number of Months Borrower 2 Award Letter Flag Borrower 2 Award Letter Number of Months Borrower 3 Award Letter Flag Borrower 3 Award Letter Number of Months Borrower 4 Award Letter Flag Borrower 4 Award Letter Number of Months Borrower 1 Offer Letter Flag Borrower 1 Offer Letter Number of Months Borrower 2 Offer Letter Flag Borrower 2 Offer Letter Number of Months Borrower 3 Offer Letter Flag Borrower 3 Offer Letter Number of Months Borrower 4 Offer Letter Flag Borrower 4 Offer Letter Number of Months Borrower 1 IRS Transcripts - Tax Returns Flag Borrower 1 IRS Transcripts - Tax Returns Number of Months Borrower 1 IRS Transcripts - W2s Flag Borrower 1 IRS Transcripts - W2s Number of Months Borrower 2 IRS Transcripts - Tax Returns Flag Borrower 2 IRS Transcripts - Tax Returns Number of Months Borrower 2 IRS Transcripts - W2s Flag Borrower 2 IRS Transcripts - W2s Number of Months Borrower 3 IRS Transcripts - Tax Returns Flag Borrower 3 IRS Transcripts - Tax Returns Number of Months Borrower 3 IRS Transcripts - W2s Flag Borrower 3 IRS Transcripts - W2s Number of Months Borrower 4 IRS Transcripts - Tax Returns Flag Borrower 4 IRS Transcripts - Tax Returns Number of Months Borrower 4 IRS Transcripts - W2s Flag Borrower 4 IRS Transcripts - W2s Number of Months Borrower 1 Income Doc Type Summary Borrower 2 Income Doc Type Summary Borrower 3 Income Doc Type Summary Borrower 4 Income Doc Type Summary
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.443 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.459 0.459 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – W2(s) - 24 months;
P & L - 12 months;
Personal Tax Return - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.12 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Second Home Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.231 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 36 Yes 36 No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 9 Yes 8 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 204 No (No Data) Yes 192 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 12 months;
Award Letter - 12 months;
Business Tax Return - 36 months;
CPA Letter without Income - 204 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 9 months;
Paystub - 1 months;
Personal Tax Return - 36 months;
W2 - 12 months;
 Award Letter - 12 months;
CPA Letter without Income - 192 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 8 months;
Personal Tax Return - 36 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.103 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.291 0.291 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 7 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 7 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Second Home Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.986 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 12 months;
IRS Transcripts – W2(s) - 24 months;
Personal Bank Statements - 2 months;
 IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.496 1.496 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.532 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 32 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 12 months;
Written VOE - 32 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.267 1.267 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 8 Yes 8 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 8 months;
Personal Tax Return - 24 months;
 Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 8 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.238 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Offer Letter - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.121 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 8 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) CPA Letter without Income - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 8 months;
Personal Tax Return - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.154 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.594 1.594 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 1 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 9 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
P & L - 9 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 1 months;
Written VOE - 24 months;
 Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.388 0.000 No Yes No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Personal Tax Return - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.103 1.103 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX Yes Yes Yes XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.629 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.999 0.989 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.895 0.895 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.169 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.044 0.044 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.105 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.879 0.879 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 2 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 8 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
P & L - 8 months;
Paystub - 2 months;
Personal Tax Return - 12 months;
W2 - 12 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.277 1.020 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 33 Yes 29 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 33 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 29 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.25 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.683 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.421 1.421 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
 IRS Transcripts – W2(s) - 24 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.439 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 27 Yes 31 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 27 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 31 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.178 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) Yes 12 Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
Personal Tax Return - 12 months;
 Business Tax Return - 12 months;
Personal Tax Return - 12 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.164 1.164 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.216 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 31 No (No Data) No (No Data) No (No Data) Yes 9 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
P & L - 9 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 31 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.224 0.224 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 2 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 2 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Cooperative 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 2.155 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.141 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 12 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.222 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 35 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 35 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.178 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 Business Tax Return - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.154 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Offer Letter - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Low Rise Condo (1-4) 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.212 0.212 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 3 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 3 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.018 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 XXXX Yes No 1.655 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 34 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
Written VOE - 34 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.16 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 30 No (No Data) No (No Data) No (No Data) Yes 10 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 24 months;
P & L - 10 months;
Paystub - 1 months;
W2 - 24 months;
Written VOE - 30 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.146 0.000 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 12 Yes 12 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 Paystub - 12 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.145 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 10 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
Written VOE - 10 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.177 0.177 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 2.217 0.000 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – W2(s) - 24 months;
Paystub - 12 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.186 0.186 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
Written VOE - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Not Provided QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.021 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Award Letter - 12 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.155 0.155 No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 2 Yes 2 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) Yes 24 Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 10 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) P & L - 10 months;
Personal Tax Return - 24 months;
 Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 Award Letter - 24 months;
Paystub - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary Detached PUD 1 Conventional No No No No (No Data) No No Rate and Term Refi No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.092 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) 1099 - 1 months;
W2 - 24 months;
 Award Letter - 12 months;
Personal Bank Statements - 1 months;
Personal Tax Return - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No Yes 1 XXXX No No 0.107 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 12 months;
IRS Transcripts – Tax Return(s) - 12 months;
Personal Tax Return - 12 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.098 0.733 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 33 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Paystub - 1 months;
W2 - 24 months;
Written VOE - 33 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.205 0.205 (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) IRS Transcripts – Tax Return(s) - 24 months;
Paystub - 1 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Second Home SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 1.432 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) Yes 1 Yes 1 No (No Data) No (No Data) Yes 24 Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Offer Letter - 1 months;
Paystub - 1 months;
W2 - 24 months;
 Paystub - 1 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.083 Not Applicable (No Data) (No Data) No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) Yes 1 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 2 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) (No Data) IRS Transcripts – Tax Return(s) - 36 months;
Paystub - 1 months;
Personal Bank Statements - 2 months;
Personal Tax Return - 24 months;
W2 - 24 months;
 (No Data) (No Data)
XXXX XXXXXX XXXXXX XXXXXX XXXX QM: Safe Harbor (APOR) Present QM: Safe Harbor (APOR) XXXXXX (No Data) Primary SFR 1 Conventional No No No No (No Data) No No Purchase No No No No No (No Data) (No Data) No No 1 XXXX Yes Yes 0.868 Not Applicable No No No No No No (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) (No Data) Not Applicable (No Data) (No Data) (No Data) (No Data) XXXX XXXX XXXX XXXX XXXX XXXX No No (No Data) XXXX No (No Data) No (No Data) No (No Data) (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) Yes 24 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 12 No (No Data) No (No Data) No (No Data) No No (No Data) (No Data) No (No Data) No (No Data) (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Yes 36 No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) No (No Data) Business Tax Return - 24 months;
IRS Transcripts – Tax Return(s) - 36 months;
Lease Agreement - 12 months;
Personal Tax Return - 24 months;
W2 - 12 months;
 (No Data) (No Data) (No Data)

 

 


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