GS Mortgage-Backed Securities Trust 2022-LTV1 ABS-15G

 

Exhibit 99.2 - Schedule 3

 

Exception Grades

Run Date - 2/2/2022 1:06:28 PM 

AMC Loan ID Customer Loan ID Seller Loan ID Investor Loan Number Loan Exception ID Exception ID Exception Date Exception Type Exception Category Exception Subcategory 15E Category Exception Exception Detail Exception Information Compensating Factors Compensating Factor Information Applying Party Follow-up Comments Cleared Date Cured Date Waived Date Exception Level Grade Exception Level Rating Note Date Property State Occupancy Purpose Exception Remediation Overall
Initial Loan Grade		 Overall
Final Loan Grade		 Credit
Initial Loan Grade		 Credit
Final Loan Grade		 Compliance
Initial Loan Grade		 Compliance
Final Loan Grade		 Property
Initial Loan Grade		 Property
Final Loan Grade		 Originator QM ATR Status TPR QM ATR Status Is Curable
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) TRID non-compliant.  Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.       Reviewer Comment (2021-08-11): XXXXX received Letter of Explanation & Corrected Closing Disclosure.
   08/11/2021   1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $705.00 exceeds tolerance of $505.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-07-30): Sufficient Cure Provided At Closing
   07/30/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $31.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-07-30): Sufficient Cure Provided At Closing
   07/30/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Exception triggered due to missing/incomplete income documentation.       Reviewer Comment (2021-08-20): Loan is SHQM (APOR).


Reviewer Comment (2021-07-30): This will be cleared when other QM exceptions have been cleared.


Seller Comment (2021-07-28): XX/XX/XX DS: Borrower is less than 25% owner (non self employed). K-1 income is other income. See DU other income  K-1 guideline. There is no requirement for a VOB for the use of K-1 only income.
 08/20/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $920.00 exceeds tolerance of $900.00.  Insufficient or no cure was provided to the borrower. The initial LE disclosed Appraisal Fee   $900.00.  and  the final CD reflected 920.00 and the file did not contain a valid Change of circumstance. Cure provided at closing.       Reviewer Comment (2021-06-25): Cure was provided on final CD.
   06/25/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - K-1 Less Than 25 Percent General QM: Unable to verify current K-1 (Less than 25% Ownership) status using reasonably reliable third-party records. Exception triggered due to missing employment verification.       Reviewer Comment (2021-08-20): Exception cleared based on signed/dated 4506-C in file which may be used in lieu of signed/dated tax returns.


Reviewer Comment (2021-07-30): Exception is caused by tax returns not being signed. FNMA selling guide requires 2 most recent signed individual tax returns. Exception remains.


Seller Comment (2021-07-28): XX/XX/XX DS: Borrower is less than 25% owner (non self employed). K-1 income is other income. See DU other income  K-1 guideline. There is no requirement for a VOB for the use of K-1 only income.
 08/20/2021     1 A   XX Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - K-1 Less Than 25 Percent General QM: Unable to verify K-1 (Less than 25% Ownership) income using reasonably reliable third-party records. Third party verification is missing.       Reviewer Comment (2021-08-20): Exception cleared based on signed/dated 4506-C in file which may be used in lieu of signed/dated tax returns.


Reviewer Comment (2021-07-30): Exception is caused by tax returns not being signed. FNMA selling guide requires 2 most recent signed individual tax returns. Exception remains.


Seller Comment (2021-07-28): XX/XX/XX DS: Borrower is less than 25% owner (non self employed). K-1 income is other income. See DU other income  K-1 guideline. There is no requirement for a VOB for the use of K-1 only income.
 08/20/2021     1 A   XX Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $920.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure provided at closing.       Reviewer Comment (2021-08-11): Sufficient Cure Provided At Closing
   08/11/2021   1 A   XX Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $259.00 exceeds tolerance of $181.00 plus 10% or $199.10.  Sufficient or excess cure was provided to the borrower at Closing. Cure of $59.90 was provided to the Borrowers       Reviewer Comment (2021-07-26): Sufficient Cure Provided At Closing
   07/26/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         Reviewer Comment (2021-08-24): Statement received; Sched E income input.


Seller Comment (2021-08-23): XX/XX/XX DS: Please see attached mtg statement. 61 fair rental days was annualized over 365 days. Please clear condition.


Reviewer Comment (2021-08-19): Fair rental days are reflecting 61. Require Lease agreement. Exception remains.


Seller Comment (2021-08-19): XX/XX/XX DS: Please refer to schedule E for rental income. Lease is not required when 1040s are being used to calculate rental income.
 08/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Evidence of earlier borrower receipt was not found in file.       Reviewer Comment (2021-09-09): Earlier CD dated XX/XX/XX was provided, exception was cleared.


Seller Comment (2021-09-08): Please see the attached Lock Confirmation, Revised CD and Final CD.  The lock was extended on XX/XX/XX for an extra day to allow for disbursement.  this was redisclosed and executed by the borrower on XX/XX/XX (see Revised CD).  Closing was on XX/XX/XX, executed by the borrower at closing (see wet-sign on Final CD).


Reviewer Comment (2021-08-20): Changes were made on the final CD dated XX/XX/XX from the CD provided dated XX/XX/XX.  Exception remains.


Seller Comment (2021-08-11): DC XX/XX/XX Disagree. Please see CD acknowledged XX/XX/XX.
 09/09/2021     1 A   XX Primary Purchase No Defined Cure C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Exception triggered due to missing income documentation.       Reviewer Comment (2021-09-02): Exception cleared


Reviewer Comment (2021-09-02): Cleared by mistake.


Reviewer Comment (2021-08-24): Sched E income used.
 09/02/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. Missing Mtg stmt, lease, tax and insurance for the rental property.       Reviewer Comment (2021-09-02): Exception cleared


Reviewer Comment (2021-09-02): Cleared by mistake.


Reviewer Comment (2021-08-24): Sched E income used.
 09/02/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Combined High loan to value discrepancy.   Max LTV for a loan amount over $2 million but under $2.5 million is 80%.       Reviewer Comment (2021-08-24): Duplicate exception.


Reviewer Comment (2021-08-20): Loan was approved utilizing QM AUS Fixed Guidelines. Loan amounts greater than $XXmm are limited to XX% LTV/CLTV.  The loan amount on this loan is XXXXX.  Exception remains.


Seller Comment (2021-08-19): XX/XX/XX DS: Please clear and see attached matrix showing max LTV is XX%.
 08/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: High loan to value discrepancy.   Max LTV for a loan amount over $2 million but under $2.5 million is 80%.       Reviewer Comment (2021-08-24): Duplicate exception.


Reviewer Comment (2021-08-20): Loan was approved utilizing QM AUS Fixed Guidelines. Loan amounts greater than $XXmm are limited to XX% LTV/CLTV.  The loan amount on this loan is XXXXX.  Exception remains.


Seller Comment (2021-08-19): XX/XX/XX DS: Please clear and see attached matrix showing max HCLTV is XX%.
 08/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. Max LTV for a loan amount over $2 million but under $2.5 million is 80%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has verified disposable income of at least $2500.00.		   Owner

Owner		 Reviewer Comment (2021-09-24): Please downgrade and waive with these comp factors: XX in reserves, XXXX FICO & XX in residual income.


Reviewer Comment (2021-09-02): Loan was locked under XXXXX QM AUS Program and guidelines maximum LTV/CLTV is XX%. Exception remains.


Reviewer Comment (2021-09-02): XX/XX/XX Client to review.


Seller Comment (2021-09-01): XX/XX/XX DS: Please see attached matrix at the time of loan application showing max LTV is XX%. This loan meets product requirements.


Reviewer Comment (2021-08-20): Loan was approved utilizing QM AUS Fixed Guidelines. Loan amounts greater than $XXmm are limited to XX% LTV/CLTV.  The loan amount on this loan is XXXXX.  Exception remains.


Seller Comment (2021-08-19): XX/XX/XX DS: Please clear and see attached matrix showing max LTV is XX%.
     09/24/2021 2 B   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___. Max LTV for a loan amount over $2 million but under $2.5 million is 80%. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has verified disposable income of at least $2500.00.		   Owner

Owner		 Reviewer Comment (2021-09-24): Please downgrade and waive with these comp factors: XXXX in reserves, XXX FICO & XXXX in residual income.


Reviewer Comment (2021-09-24): Exception re-opened


Reviewer Comment (2021-09-17): LTV and CLTV matches with AUS.


Reviewer Comment (2021-09-17): Unable to clear the validation.


Seller Comment (2021-09-16): XX/XX/XX DS: Escalate to the investor as you are wrong and we are in disagreement.


Reviewer Comment (2021-09-09): This loan was not submitted under the XXXXX Prime Jumbo program as the document submitted suggests, loan was approved under the XXXXX QM AUS guidelines with a loan amount of XXXXX, the guidelines state loan amount between $2,000,000 and $2,500,000 the maximum LTV is XX%.  Exception remains.


Seller Comment (2021-09-08): XX/XX/XX DS: Please clear as evidence was sent we meet loan requirements.


Reviewer Comment (2021-09-02): Loan was locked under XXXXX QM AUS Program and guidelines maximum LTV/CLTV is XX%. Exception remains.


Reviewer Comment (2021-09-02): XX/XX/XX Client to review.


Seller Comment (2021-09-01): XX/XX/XX DS: Please see attached matrix showing max LTV is XX% at the time of loan approval.


Reviewer Comment (2021-08-20): Loan was approved utilizing QM AUS Fixed Guidelines. Loan amounts greater than $XX are limited to XX% LTV/CLTV.  The loan amount on this loan is XXXXX.  Exception remains.


Seller Comment (2021-08-19): XX/XX/XX DS: Please clear and see attached matrix showing max LTV is XX%.
     09/24/2021 2 B   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Guideline Requirement: Available for Reserves discrepancy.           Reviewer Comment (2021-08-24): Updated reserves per guidelines.


Reviewer Comment (2021-08-20): Duplicate bank statements received, Please provide recent bank statements. Exception remains


Seller Comment (2021-08-19): XX/XX/XX DS: Please see attached assets totaling XXXXX. Two months of each account provided.
 08/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-08-23): updated title received hence Exception cleared


Seller Comment (2021-08-23): XX/XX/XX DS: Please see attached title showing loan amount XXXXX
 08/23/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-08-25): The XXXXX has been provided.
 08/25/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-08-25): The XXXXX has been provided.


Reviewer Comment (2021-08-24): Valuation Received - XX/XX/XX
 08/25/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-09-13): Desk review provided. Exception cleared.
 09/13/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-13): Desk review provided. Exception cleared.


Reviewer Comment (2021-09-10): Valuation Received - XX/XX/XX
 09/13/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $735.00 exceeds tolerance of $535.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $535 on LE but disclosed as $735 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-08-03): Sufficient Cure Provided At Closing
   08/03/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit General Credit Initial Rate Lock rate date is not documented in file.           Reviewer Comment (2021-08-24): Rate lock date provided - cleared exception.


Seller Comment (2021-08-23): Document provided shows rate locked XX/XX/XX shows change of circumstance for becoming locked.


Reviewer Comment (2021-08-19): Initial Rate Lock rate date document is missing hence Exception remains same.
 08/24/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance Missing Non-Required Data (Missing Data) Last Rate Set Date Last Date Rate Set and Initial Rate Lock Date not provided.  Worst Case Scenario between Creditor Application Date and Transaction Date used to determine rate used for testing. Please provide a Rate Lock form that provides the date the rate was locked.       Reviewer Comment (2021-08-24): Rate lock provided - cleared exception.
 08/24/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $160.00 exceeds tolerance of $141.00 plus 10% or $155.10.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-08-16): Sufficient Cure Provided At Closing
   08/16/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		         Reviewer Comment (2021-09-17): Received PDI report run on XX/XX/XX with no damage. Exception Cleared.
 09/17/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Copy of AUS not provided.       Reviewer Comment (2021-09-22): Received AUS document in file hence Exception is cleared.
 09/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2021-10-04): Post Disaster Inspection reflecting No Damage is provided.  Exception cleared.


Seller Comment (2021-10-01): DAIR - No Damage
 10/04/2021     1 A   XX Primary Purchase   A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Broker TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). Final CD provided on XX/XX/XX did not disclose the required Broker Contact NMLS ID.       Reviewer Comment (2021-11-08): XXXXX received a corrected CD and LOE.


Seller Comment (2021-11-03): License ID #s on attached CD


Seller Comment (2021-11-03): XXXXX would not have a NMLS #, She is the Real Estate Broker for the Borrowers


Reviewer Comment (2021-10-25): Neither XXXXX NMLS XXXXX nor XXXXX NMLS XXXXX are located when searched through NMLS.consumer  access website. Each was searched separately by Name or disclosed Number. Please provide additional documentation to support and/or PCCD with correct data; exception remains


Seller Comment (2021-10-25): XXXXX is the # the Broker provided.


Reviewer Comment (2021-10-21): The name of the Broker and NMLS # along with the name of the Contact and NMLS # are not valid/located on the NMLS Consumer Access Website; exception remains


Reviewer Comment (2021-10-13): XXXXX received Corrected CD.  However, it is stil msising the Contact person's NMLS ID #.  Only the XXXXX license ID was added and the NMLS ID number is required.  Corrected CD and LOE to borrower required.


Reviewer Comment (2021-09-28): Post Close CD, dated XX/XX/XX, does not reflect the required Broker Contact NMLS ID (only reflects XXXXX license #).  Exception remains.
   11/08/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Missing Documentation: Loan Approval       Reviewer Comment (2021-11-01): Received AUS and 1008 associated the documents. Exception Cleared


Seller Comment (2021-10-29): Please advise the AUS was provided in the closed loan package, is there other documentation you are looking for?
 11/01/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Evidence of earlier borrower receipt was not found in file.       Reviewer Comment (2021-11-08): XXXXX received proof of receipt.  Exception is cleared.


Seller Comment (2021-11-08): XX/XX/XX - disclosures sent via XXXXX on XX/XX/XX, delivered on XX/XX/XX.  Email to XXXXX with shipping and tracking
 11/08/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $100.00 exceeds tolerance of $90.00 plus 10% or $99.00.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-08-23): Sufficient Cure Provided At Closing
   08/23/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $485.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-09-09): Sufficient Cure Provided At Closing
   09/09/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Please provide evidence that the CD was provided at least 3 business days prior to closing.       Reviewer Comment (2021-08-25): Final CD received signed by Borrower
 08/25/2021     1 A   XX Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $16,109.42 may be required. Please provide all LEs associated with this loan.       Reviewer Comment (2021-08-25): LE's provided and input - Exception cleared.
 08/25/2021     1 A   XX Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2021-08-20): Exception cleared


Reviewer Comment (2021-08-19): The Gift Funds of XXXXX are dated Post Close.  The Gift Letter is dated XX/XX/XX, the deposit receipt is XX/XX/XX and the Note date is XX/XX/XX.  Please provide required reserves pre Note Date.
 08/20/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. Missing Gift letter for XXXXX, received wire confirmation.       Reviewer Comment (2021-08-19): The gift letter and the Deposit slip have been provided.


Reviewer Comment (2021-08-18): XX/XX/XX - Source of funds is missing, Exception remains.
 08/19/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. Missing Gift letter for XXXXX, received wire confirmation.       Reviewer Comment (2021-08-20): Exception cleared


Reviewer Comment (2021-08-19): The Gift Funds of XXXXX are dated Post Close.  The Gift Letter is dated XX/XX/XX, the deposit receipt is XX/XX/XX and the Note date is XX/XX/XX.  Please provide required reserves pre Note Date.
 08/20/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy. Calculated PITIA months reserves of ___ is less than Guideline PITIA months reserves of ___. The Gift of XXXXX is not able to be used for Reserves or Closing because the Gift and Deposit Slip are dated Post Close.  Please provide evidence of Reserves date Prior to Note date.       Reviewer Comment (2021-08-20): Exception cleared.


Reviewer Comment (2021-08-19): The Gift Funds are dated post close. The Gift letter is dated XX/XX/XX, The deposited receipt is XX/XX/XX and the Note date is XX/XX/XX. Please provide required reserves pre Note date. Exception remains.
 08/20/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. E-signed consent dated XX/XX/XX; however, initial LE was executed electronically XX/XX/XX.       Reviewer Comment (2021-09-09): XXXXX received earlier electronic consent


Reviewer Comment (2021-08-25): ***new XX/XX/XX***
 09/09/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2021-08-25): Cash Flow Analysis Provided Exception Cleared


Seller Comment (2021-08-24): Please see Cash Flow Analysis
 08/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. This loan is an ATR Fail due to insufficient sole proprietor documentation.       Reviewer Comment (2021-08-28): docs provided - exception cleared.
 08/28/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.         Reviewer Comment (2021-08-28): docs provided - exception cleared.


Reviewer Comment (2021-08-20): Exception triggered due borrower's Schedule C income not being verified by a third party source.
 08/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Schedule C General QM: Unable to verify Sole Proprietorship income using reasonably reliable third-party records. Exception triggered due to personal returns being signed but not dated.       Reviewer Comment (2021-08-28): docs provided - exception cleared.
 08/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   The File was missing a copy of the Fraud report.       Reviewer Comment (2021-08-26): Received. Exception cleared.


Seller Comment (2021-08-25): Fraud report
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Verification of Non-US Citizen not provided.       Reviewer Comment (2021-08-26): Received. Exception cleared.


Seller Comment (2021-08-25): Identification cards
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by XXXXX   Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2021-09-02): RCE received hence Exception cleared


Seller Comment (2021-09-02): RCE Letter


Reviewer Comment (2021-08-26): HOI coverage is insufficient. Exception remains.


Seller Comment (2021-08-25): Insurance policy
 09/02/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   No Asset documentation was provided.       Reviewer Comment (2021-08-26): Available assets are updated were as Closing is sufficient to cover Cash From Borrower, Hence Exception Cleared


Seller Comment (2021-08-25): bank statements
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Document Inventory General Missing Document Evidence of Taxpayer Consent is Missing, and Taxpayer documentation is present.   The File was missing a copy of Evidence of Taxpayer Consent .       Reviewer Comment (2021-08-26): Received. Exception cleared.


Seller Comment (2021-08-25): Taxpayer consent
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file was missing a copy of the secondary valuation required for securitization purpose.       Reviewer Comment (2021-08-30): Received a XXXXX desk review dated XX/XX/XX which provided a value of XXXXX a 0.00% variance from the appraised value of XXXXX value supported.


Seller Comment (2021-08-30): XXXXX report


Reviewer Comment (2021-08-26): Secondary valuation is missing. Exception remains.
 08/30/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - The file is missing a source Documentation for Borrower.       Reviewer Comment (2021-08-26): Received. Exception cleared.
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - Verification of Non-Us Citizen not provided.       Reviewer Comment (2021-08-26): Received. Exception cleared.
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - The File is missing mortgage statement for XXXXX & XXXXX.       Reviewer Comment (2021-08-26): Received. Exception cleared.


Seller Comment (2021-08-25): REO docs
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Initial CD issued less than 6 days prior to closing and received by the borrower less than 3 business days prior to closing.       Reviewer Comment (2021-09-09): XXXXX received XX/XX/XX CD and electronic receipt.


Seller Comment (2021-08-27): In disclosure tracking the initial CD was sent to the borrower XX/XX/XX. See attached.
 09/09/2021     1 A   XX Primary Purchase No Defined Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-4,419.00. Lender Credit was last disclosed as -$4,419 on LE but disclosed as $0 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-09-09): Sufficient cure to borrower at closing.


Seller Comment (2021-08-30): The final Cd has the tolerance cure for the lender credit on page 2 in section J. Condition is invalid. Please review the final CD.
 09/09/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Calculated PITIA months reserves of 0.00 is less than Guideline PITIA months reserves of 6.00, no assets documentation were provided.       Reviewer Comment (2021-08-26): Received. Exception cleared.


Seller Comment (2021-08-25): Asset docs
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Loan was locked under XXXXX QM AUS Program and requires an AUS findings.       Reviewer Comment (2021-08-26): Received. Exception cleared.
 08/26/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $109.20 exceeds tolerance of $36.00.  Sufficient or excess cure was provided to the borrower at Closing. The Final Closing Disclosure reflects fee which was not initially disclosed on the Loan Estimate.       Reviewer Comment (2021-08-18): Sufficient Cure Provided At Closing
   08/18/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   A second valuation was not done and is required.       Reviewer Comment (2021-10-07): XXXXX is received and verified the details, Exception Cleared.


Reviewer Comment (2021-09-17): The secondary Valuation Report is Still missing in the file. Exception Remains.


Seller Comment (2021-09-17): 1004D
 10/07/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. - A 442 was not provided. The appraisal is marked "Subject To" because the construction is not complete.       Reviewer Comment (2021-09-17): Received Certification Completion Report.


Seller Comment (2021-09-17): 1004D
 09/17/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-10-07): XXXXX is received and verified the details, Exception Cleared.


Reviewer Comment (2021-10-06): Valuation Received - XX/XX/XX
 10/07/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ Hazard Insurance Policy Effective Date XX/XX/XX, is after Transaction Date:  XX/XX/XX, disbursement date is reflected to be XX/XX/XX       Reviewer Comment (2021-09-17): Attached HOI effective XX/XX/XX which is the disbursement date. Exception cleared.


Seller Comment (2021-09-16): XX/XX/XX DS: Please clear condition as see attach HOI effective XX/XX/XX which is the disbursement date. This is acceptable.
 09/17/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure is due to QM failure. The exception will be cleared once all QM specific exceptions have been cleared/cured.       Reviewer Comment (2021-08-27): SHQM
 08/27/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO Schedule E Method General QM: Unable to verify Real Estate Owned income (Schedule E Method).  File does not contain most recent year Tax Transcripts, signed and dated 1040's or Schedule E. 1040 XXXXX was not signed or dated       Reviewer Comment (2021-08-27): Documents in file meets lender guideline requirements
 08/27/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Insufficient assets provided to cover funds to close and required 18 months reserves (12 months for subject property >85% LTV and 6 months for each additional financed property).       Reviewer Comment (2021-08-28): Documentation provided - exception cleared.


Seller Comment (2021-08-26): see attached--these were in the final at initial delivery


Reviewer Comment (2021-08-26): Missing 2 months bank statement for XXXXX account.


Seller Comment (2021-08-25): please see attached breakdown of assets and updated AUS


Reviewer Comment (2021-08-23): As per Uploaded AUS Number of Reserves months calculated by DU is 11 months, System calculated 5.88 , Please provide Asset documentation to fulfill the requirement, Exception Remains.


Seller Comment (2021-08-20): please review the updated AUS uploaded XX/XX/XX


Reviewer Comment (2021-08-19): Due to Insufficient Assets : As per AUS Excess Available Assets, not required to be verified XXXXX and As per system calculation Available for Reserves XXXXX Hence, Required XXXXX All accounts(XXXXX) June Months Bank statements (For CLTV >80%, borrower must have the greater of 6mo reserves or reserves determined by DU or LP )


Seller Comment (2021-08-18): AUS received and cleared on XX/XX/XX---when will this condition be updated?


Reviewer Comment (2021-08-13): Reserve exception will be updated once AUS is received.
 08/28/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Missing AUS in file.       Reviewer Comment (2021-08-18): Received AUS document. Hence condition cleared.
 08/18/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided           Reviewer Comment (2021-08-27): XX/XX/XX - Verification of Non-US Citizen received, Exception cleared.


Seller Comment (2021-08-27): IDs
 08/27/2021     1 A   XX Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ UCPD score was not provided, secondary valuation product required.       Reviewer Comment (2021-09-22): Cleared: Received UCDP submission report reflecting risk score less than 2.5 and as per QM AUS Program loan amount less than 2mn.
 09/22/2021     1 A   XX Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Insufficient documentation in the file.       Reviewer Comment (2021-09-23): Loan Designation of sale harbor QM does match with Due Diligence Loan Designation. Condition Cleared.


Seller Comment (2021-09-22): per underwriting, this is a AUS loan and this condition does not apply
 09/23/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. No asset documentation was provided for review.       Reviewer Comment (2021-09-23): Received bank Statements and Gift letter to verify Asset. Condition Cleared,


Seller Comment (2021-09-22): per underwriting, this is a AUS loan and this condition does not apply


Reviewer Comment (2021-08-31): Received Gift letter on XX/XX/XX. Please provide 2 months bank statement for all the account listed on final 1003. Also provide proof or source of gift fund credited into borrower account. Exception remains


Seller Comment (2021-08-31): XXXXX Gift


Reviewer Comment (2021-08-27): XX/XX/XX - There is only D1C Asset Verification report received but there is no Wire confirmation provided, Exception remains.


Seller Comment (2021-08-27): Bank Statements
 09/23/2021     1 A   XX Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. Initial LE was not provided within 3 days of application.       Reviewer Comment (2021-09-24): LE provided.


Seller Comment (2021-09-22): Please review attached LE dated XX/XX/XX and disclosure tracking showing the LE was sent and received on XX/XX/XX.


Seller Comment (2021-09-14): XXXXX Disclosure Tracking


Reviewer Comment (2021-09-10): Application date is XX/XX/XX and LE was not provided until XX/XX/XX.  Please provide evidence of LE provided within 3 days of application.


Seller Comment (2021-08-31): Please advise on date of LE in question, I've attached the LE sent on the 20th
 09/24/2021     1 A   XX Primary Purchase No Defined Cure D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,672.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. The Final Closing Disclosure reflects fee which was not initially disclosed on the Loan Estimate.       Reviewer Comment (2021-10-26): XXXXX Received PCCD dated XX/XX/XX along with LOE, Copy of check and proof of mailing.


Seller Comment (2021-10-25): CHECK, TRACKING, PCCD, LOE


Reviewer Comment (2021-10-06): XXXXX reviewed exception. As the fee was not initially disclosed admittedly by mistake a cure is due to the borrower. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.


Seller Comment (2021-10-05): Per the closer, it was incorrectly placed on the Seller side for the initial and moved to the Buyers side per the title's CD's.


Reviewer Comment (2021-09-02): XXXXX received changed circumstance dated XX/XX/XX & XX/XX/XX  indicating "Change in the interest rate and addition of county transfer tax fee". No justification was provided for the fee added. Provided a valid changed circumstance with additional information as to why the fee added in CD or cure is required.


Seller Comment (2021-08-31): XXXXX COC
   10/26/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Loan approved using AUS program, AUS was not provided in file.       Reviewer Comment (2021-08-27): XX/XX/XX - AUS is received, Exception Cleared.


Seller Comment (2021-08-27): AUS
 08/27/2021     1 A   XX Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - Currently we have only one month of bank statement for checking account with XXXXX and XXXXX. Provide additional one month of bank statement for both the accounts..       Reviewer Comment (2021-10-05): XX/XX/XX Additional documents provided. Cleared.
 10/05/2021     1 A   XX Primary Purchase   D B C A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Missing evidence of third party verification of self employment.       Reviewer Comment (2021-09-21): Per 1008, Schedule C income is not used for qualifying mortgage hence Third party verification of business is not required. Exception cleared


Seller Comment (2021-09-20): A SE WVOE is not required if we are not using the income to qualify.  If it's a Jumbo AUS and it is not specifically addressed in their AUS matric (see attached) XXXXX defaults to Fannie/Freddie guidelines.


Seller Comment (2021-09-20): See attached FNMA'S Guidelines for this Condition:

B3-3.2-01, Underwriting Factors and Documentation for a Self-Employed Borrower


Reviewer Comment (2021-08-27): Self employment income is used to qualify income, hence require VVOE/Third Party Verification confirming the start date and current sole proprietorship status for XXXXX. Also VVOE/Third Party Verification should be within 10 days of note date - Exception remains.


Seller Comment (2021-08-26): Please waive condition the S/E income was not used for loan. Therefore, need of verification should not be required
 09/21/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. Missing evidence of third party verification of self employment.       Reviewer Comment (2021-09-21): Per 1008, Schedule C income is not used for qualifying mortgage hence Third party verification of business is not required. Exception cleared


Seller Comment (2021-09-20): A SE WVOE is not required if we are not using the income to qualify.  If it's a Jumbo AUS and it is not specifically addressed in their AUS matric (see attached) XXXXX defaults to Fannie/Freddie guidelines.


Seller Comment (2021-09-20): See attached FNMA'S Guidelines for this Condition:

B3-3.2-01, Underwriting Factors and Documentation for a Self-Employed Borrower


Reviewer Comment (2021-08-27): Self employment income is used to qualify income, hence require VVOE/Third Party Verification confirming the start date and current sole proprietorship status for XXXXX. Also VVOE/Third Party Verification should be within 10 days of note date - Exception remains.


Seller Comment (2021-08-26): Self employment was not used to qualify for the loan, please waive this condition.
 09/21/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Initial Closing Disclosure issued less than 6 days prior to closing and received by borrower less than 3 business days prior to closing       Reviewer Comment (2021-10-21): provided as a trailing doc


Reviewer Comment (2021-10-06): XXXXX received lender rebuttal that initial CD sent 8-10.  However, it is missing proof of receipt by borrower and as such the mailbox rule is in effect and borrower would have received on XX/XX/XX which did not meet the 3 day prior to closing review period.  Provide proof of earlier receipt.


Seller Comment (2021-10-05): INITIAL CD SENT XX/XX/XX, CD SIGNED XX/XX/XX AND CLOSING DOCS XX/XX/XX
 10/21/2021     1 A   XX Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-09-16): The XXXXX has been provided
 09/16/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-16): The XXXXX has been provided.


Reviewer Comment (2021-09-15): Valuation Received - XX/XX/XX
 09/16/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.           Reviewer Comment (2021-10-11): Received Property Inspection Report Verified No damage to subject property from recent disaster, Associated the documents. Exception Cleared
 10/11/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date. Disaster Name: ___
Disaster Declaration Date: ___		 The property is located in a FEMA disaster area.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX declared end date.       Reviewer Comment (2021-09-22): Received Final inspection 442-certificate of completion document verified and associated. Exception Cleared
 09/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Missing bank statement ending XXXXX,XXXXX and Earnest money deposit listed in final 1003.       Reviewer Comment (2021-09-28): 2 months bank Statement received & associated, No EMD mention in final 1003, hence exception clear


Seller Comment (2021-09-27): XXXXX Statements


Reviewer Comment (2021-09-20): Received 1 month bank statement  ending XXXXX,XXXXX. Provide 2 month Bank Statements for account ending XXXXX , XXXXX. Condition Remains.
 09/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: All conditions were not met   Missing bank statement ending XXXXX,XXXXX and Earnest money deposit listed in final 1003.       Reviewer Comment (2021-09-28): 2 months bank statements and deposit receipt provided.  Exception cleared.


Seller Comment (2021-09-27): XXXXX Statements


Reviewer Comment (2021-09-20): Received 1 month bank statement  ending XXXXX,XXXXX. Provide 2 month Bank Statements for account ending XXXXX , XXXXX. Condition Remains.
 09/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Missing Insurance Verification, Lease Agreement, Schedule E Only, Statement, Tax Verification for REO XXXXX.       Reviewer Comment (2021-09-20): Received  Statement , Lease Agreement , Insurance Verification , Tax Verification , HOA Docs for XXXXX. Condition Cleared.
 09/20/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Verification of Safe Harbor Loan Designation was not provided.       Reviewer Comment (2021-09-20): Original Loan designation matches with diligence loan designation. Other QM related exceptions are cleared. Condition Cleared.
 09/20/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. Tax transcript XXXXX and XXXXX in file.       Reviewer Comment (2021-09-20): Received Lease Agreement on XX/XX/XX for XXXXX. Condition Cleared.
 09/20/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Confirmed initial CD XX/XX/XX.       Reviewer Comment (2021-09-28): CD received XX/XX/XX.
 09/28/2021     1 A   XX Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           Reviewer Comment (2021-10-11): Desk review provided.
 10/11/2021     1 A   XX Primary Purchase   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Contact Information - Lender TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XX did not disclose the required  Lender Contact Information (Lender Name, Lender NMLS ID, Contact Name, Contact NMLS ID). The loan officer's name is missing on page 5 of the final closing disclosure.       Reviewer Comment (2021-10-05): XXXXX received Letter of Explanation & Corrected Closing Disclosure.


Seller Comment (2021-10-05): See attached PCCD with Lender Contact information


Seller Comment (2021-09-30): AZ XX/XX/XX - Disagree, Per TILA Comment 1026.37(k)-3 the contact information is for the primary borrower contact on the loan which would be the broker's loan officer - Section 1026.37(k)(2) requires the disclosure of the name and NMLSR ID of the person who is the primary contact for the consumer, labeled "Loan Officer." The loan officer is generally the natural person employed by the creditor or mortgage broker disclosed under §1026.37(k)(1) who interacts most frequently with the consumer and who has an NMLSR ID or, if none, a license number or other unique identifier to be disclosed under §1026.37(k)(2), as applicable."

XXXXX is a wholesale lender and would not be the primary point of contact for the borrower. As a wholesale lender, XXXXX team members are not licensed, nor regulated on an individual basis. Per 1026.38(r)(4), the broker would be considered the "the natural person who is the primary contact for the consumer", not an individual at XXXXX.


Reviewer Comment (2021-09-27): Document provided XX/XX/XX. The contact name was not provided on the CD. Exception not cleared as of XX/XX/XX.


Seller Comment (2021-09-15): AZ XX/XX/XX: Disagree,  XXXXX is a wholesale lender and would not be the primary point of contact for the borrower. As a wholesale lender, XXXXX team members are not licensed, nor regulated on an individual basis. Per 1026.38(r)(4), the broker would be considered the "the natural person who is the primary contact for the consumer", not an individual at XXXXX.
   10/05/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-27): Received XXXXX Desk Review dated XX/XX/XX with a value of XXXXX, which gives 0.00% variance from the Appraised Value of XXXXX. Hence, Exception cleared.


Reviewer Comment (2021-09-24): Valuation Received - XX/XX/XX
 09/27/2021     1 A   XX Primary Purchase   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by XXXXX. Provide verification of policy with sufficient coverage or provide copy of insurer's replacement cost estimate supporting current coverage.       Reviewer Comment (2021-09-21): Received RCE with a value XXXXX. Exception cleared


Seller Comment (2021-09-20): Replacement Cost Estimate attached
 09/21/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of 99.96 on Final Closing Disclosure provided on XX/XX/XX not accurate. Verified HOA payment is $15.00 monthly, or $180.00 annually, the Final Closing Disclosure reflects $99.96.       Reviewer Comment (2021-09-22): XXXXX received PCCD and LOE; exception is cured.


Seller Comment (2021-09-16): Correct CD attached
   09/22/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). The Final Closing Disclosure reflects a Finance Charge of $470,670.97, the audit calculates $471,020.97, a variance of -$350.00.       Reviewer Comment (2021-09-22): XXXXX received PCCD, LOE, copy of refund check, and proof of delivery; exception is cured.


Seller Comment (2021-09-16): PCCD, LOE and copy of check attached
   09/22/2021   2 B   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-08-26): XXXXX received tax calculation supported by tax rate


Seller Comment (2021-08-25): TAXES
XXXXX X XXXX + XXXX=XXXX
 08/26/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,520.00 exceeds tolerance of $2,123.00 plus 10% or $2,335.30.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $184.70 . No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $184.70, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-09-14): XXXXX received corrected CD, copy of refund check, LOE to borrower and proof of mailing. 10% violation cured.


Reviewer Comment (2021-09-07): XXXXX received LOE, corrected PCCD, copy of refund check, and shipping label.  Tracking indicates the label has been created; however, it has not been picked up for shipping.  Proof of mailing is required to cure.


Reviewer Comment (2021-09-01): XXXXX received Letter of Attestation that states Initial CD now showed New Loan Service fee as it was disclosed on escrow settlement statement.  However, this attestation does not clarify if this fee was the same as a prior fee in the same amount, and the XX/XX/XX changed circumstance states that the New Loan Service Fee of $430 was redisclosed as this was an unforseen cost, not that it was the same cost as prior.  Based on documentation provided, it appears that the New Loan Service fee was added to the XX/XX/XX CD with no valid reason and does not appear to be the same fee as the prior title-doc prep fee.  If this is the same fee, need an Attestation from the Settlement agent clarifying #1) same fee as the title-doc prep #2) why the name difference makes it the same fee.  Otherwise cure is required to borrower.


Reviewer Comment (2021-08-30): XXXXX Received COC dated XX/XX/XX please provide valid COC which can explain why the Title- New Loan Service fee was increased also Title - Document Preparation Fee and Title - Binder insurance fee is evidenced by the identical fee amount $430.00 for both fees. Provide LOE for attestation comment indicating fee name changed on CD or Cure documents required .


Seller Comment (2021-08-27): When we issued the initial cd, the new loan service fee was on escrow's settlement statement. They did not shop for this fee and this should still fall under the 10% tolerance bucket. If you guys take all the fees disclosed on the last LE issued on XX/XX/XX, the total fees for section c & e=$2553 x110%=$2808.30 for the 10% tolerance and the final cd fees total is $2656 which is still below the 10% allowed at 2808.30


Reviewer Comment (2021-08-27): XXXXX Received COC dated XX/XX/XX which is not valid please provide valid COC which can explain why the Title -  New Loan Service fee was increased or cure required.


Reviewer Comment (2021-08-26): XXXXX received 10% testing breakdown.  However, the Title new Loan Service fee of $430 was added on the Initial CD issued XX/XX/XX for which there was no valid changed circumstance to add the fee.  Fee was not disclosed on the final LE and baseline for that fee would be $0 which then increased the total 10% costs over tolerance and cure is due.  Provide either a valid changed circumstance for adding that fee or provide cure with Corrected CD, LOE to borrower, copy of refund check and proof of mailing.


Seller Comment (2021-08-26): Please escalate


Seller Comment (2021-08-26): Please see cost breakdown and compliance ease


Reviewer Comment (2021-08-26): XXXXX No Relevant documents received. Exception Remains.
   09/14/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The Final Title Policy Amount of XXXXX is insufficient to cover note amount of XXXXX as stated in the Title Commitment       Reviewer Comment (2021-11-15): Verified and associated  Final Title Policy Amount with sufficient to cover note amount of XXXXX. Exception cleared


Seller Comment (2021-11-12): XX/XX/XX RF please see attached updated title policy, please clear thank you
 11/15/2021     1 A   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-11-16): Final title provided.
 11/16/2021     1 A   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The Title Policy Amount of XXXXX note amount of XXXXX as stated on the Title Commitment.       Reviewer Comment (2021-09-21): Client elects to waive.
     09/21/2021 2 B   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Origination Fee.  Fee Amount of $12,236.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. The ReLock changing the Lender Compensation to Borrower paid compensation was dated XX/XX/XX; however, the revised Closing disclosure exceeds the allowed three days and was issued on XX/XX/XX.       Reviewer Comment (2021-10-12): XXXXX received copy of refund check exception cured no further action required.


Seller Comment (2021-10-11): Please see attached copy of check, cashed by borrower. Please note that a check stub is considered an acceptable valid form and should be cleared when provided. Thank you


Reviewer Comment (2021-10-08): XXXXX received PCCD,Proof of delivery,LOE and refund check docs.But provided docs for refund check is not valid document. Require valid check of refund.


Seller Comment (2021-10-08): Please see attached check stub


Reviewer Comment (2021-10-08): XXXXX Received PCCD, LOE and delivery report for the cure provided.. Please provide a Copy of check as it  is missing in the file.


Seller Comment (2021-10-07): Please see attached Letter of Explanation, XXXXX label, Copy of Check Stub, and Corrected CD.
   10/12/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $2,250.00 exceeds tolerance of $1,200.00.  Insufficient or no cure was provided to the borrower. Appraisal Fee was last disclosed as $1,200.00 on LE but disclosed as $2,250.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-09-20): XXXXX Sufficient Cure provided at closing.


Seller Comment (2021-09-17): BR - XX/XX/XX - Disagree - Please see the attached final closing disclosure showing the tolerance of $1050.00 on page 2 in section J
 09/20/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ Please provide a letter of explanation for why the policy effective date is after the transaction date.       Reviewer Comment (2021-10-01): Final CD reflects a Disbursement Date of XX/XX/XX, Hazard Insurance Policy Effective Date XX/XX/XX.  Exception cleared.


Seller Comment (2021-09-29): The effective date on the HOI declaration page matches with the disbursement date of the loan (XX/XX/XX). Please review and clear the outstanding condition.
 10/01/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. -         Reviewer Comment (2021-10-01): Bank Statements From XXXXX #XXXXX received and associated . Exception cleared.


Seller Comment (2021-09-29): Please see pages 297-312 of the bundle for the requested statements. Please review and clear the outstanding condition.
 10/01/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $390.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower. 10% tolerance was exceeded by $390 due to increase of Transfer Tax fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $390, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-09-23): Sufficient Cure Provided within 60 Days of Closing
   09/23/2021   1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.   The subject property is located in a FEMA Disaster area post-close.  There is no end declared date for the disaster as of yet.   A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. The representative FICO score exceeds the guideline minimum by at least 40 points.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

Borrower has verified disposable income of at least $2500.00.		   Owner

Owner

Owner		 Reviewer Comment (2021-12-30): Client elects to waive: Property is not near wildfires based on FEMA map.  Comp Factors: xx% DTI, xx in reserves & xxx FICO


Reviewer Comment (2021-09-28): FEMA maps provided.  Client to review.


Seller Comment (2021-09-27): XX/XX/XX AMB: Please rescind.  See the attached photos below that show the XXXXX fire map and where the subject property is located in relation to the FEMA disaster area.  Per FNMA guidance B2-3-05, the lender is expected to take prudent and reasonable actions to determine whether the condition of the property may have changed.  We have verified based on XXXXX fire maps that our subject property is well outside of the disaster area.  Please escalate for further review to rescind this exception if necessary.
     12/30/2021 2 B   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided   Purchase Agreement not provided.       Reviewer Comment (2021-10-12): Exception cleared.


Seller Comment (2021-10-08): Property was a For Sale By Owner Transaction so there is no Purchase Contract.  Would you please clear?  Thanks!
 10/12/2021     1 A   XX Primary Purchase   D A D A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Property - Appraisal General Appraisal Requirements Property - Appraisal Valuation Error: Subject photos are missing or not legible.   Photos are legible but much of the text is corrupted.       Reviewer Comment (2021-10-06): Received 1004 legible along with clear photos and text. Exception Cleared.
 10/06/2021     1 A   XX Primary Purchase   D A D A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. XXXXX tax returns are required to meet QM requirements.  Lender to provide XXXXX.       Reviewer Comment (2021-09-16): Client elects to waive.


Seller Comment (2021-09-16): Extension
     09/16/2021 2 B   XX Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. XXXXX tax returns are required to meet QM requirements.  Lender to provide XXXXX.       Reviewer Comment (2021-09-16): Client elects to waive.
     09/16/2021 2 B   XX Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $50.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Document Preparation Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $50.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-09-17): Title fees are considered under no tolerance section upon further review.


Seller Comment (2021-09-16): Borrower went with their own Title/Escrow.  These fees should be unlimited.
 09/17/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $795.00 exceeds tolerance of $250.00.  Insufficient or no cure was provided to the borrower. Title Settlement Fee was  last disclosed as $250.00 on LE but disclosed as $795.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $545.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-09-17): Title fees are considered under no tolerance section upon further review.


Seller Comment (2021-09-16): Borrower went with their own Title/Escrow.  These fees should be unlimited.
 09/17/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit General Credit Initial Rate Lock rate date is not documented in file.           Reviewer Comment (2021-09-27): document received showing initial rate lock date as XX/XX/XX, exception cleared


Seller Comment (2021-09-24): See Lock Confirmation attached, which was provided in the original upload.
 09/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-09-27): Final Title provided.
 09/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           Reviewer Comment (2021-09-27): Final title policy received showing correct loan amount, hence exception cleared.


Seller Comment (2021-09-24): See attached FTP that reflects correct amount.
 09/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). Verification of Safe Harbor Loan Designation was not provided.       Reviewer Comment (2021-10-29): Client accepts as Higher Priced QM (APOR).


Reviewer Comment (2021-10-27): Per XXXXX guidelines Program: APR must be < APOR + 1.50%.  APOR is XXXX +1.50 = XXXX and Calculated APR XXXX which exceeds XXXX threshold. Exception remains.


Reviewer Comment (2021-10-20): The designation calculated is Higher Priced QM and should be Safe Harbor QM(APOR).  Would need evidence this is not Higher priced  - were there bona fide discount points that can be excluded?


Seller Comment (2021-10-20): Are there any other items needed to clear this? All other exceptions on site show as completed.


Reviewer Comment (2021-09-28): This is a waterfall exception. Will be cleared once the TRID exception is cleared. Exception remains.


Seller Comment (2021-09-27): All other exceptions have been cleared. This is the only item left. Is there anything specifically needed to clear this?


Reviewer Comment (2021-09-24): Remaining exceptions to be cleared to allow for Safe Harbor QM.


Seller Comment (2021-09-22): Please advise what else is required on this file to clear it?
 10/29/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A B A C A A A Higher Priced QM (APOR) Higher Priced QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2022-01-25): Corrected title provided.


Buyer Comment (2022-01-25): Final Title Policy


Reviewer Comment (2022-01-25): Re-opening for documents to be uploaded.


Reviewer Comment (2021-09-14): Client elects to waive.
 01/25/2022     1 A   XX Primary Purchase   C A B A C A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount. The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file.         Reviewer Comment (2022-01-25): Final title reflecting sufficient coverage has been provided.


Reviewer Comment (2022-01-25): Re-opened, documentation has been received.


Reviewer Comment (2021-09-20): Client elects to waive.
 01/25/2022     1 A   XX Primary Purchase   C A B A C A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           Reviewer Comment (2021-09-13): Desk review provided. Exception cleared.
 09/13/2021     1 A   XX Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year.  
Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX.
Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.		       Reviewer Comment (2021-09-28): Upon further review, annual property costs are acceptable based on received documentation..


Seller Comment (2021-09-17): XX/XX/XX DS: Please rescind and see taxes for both parcels totals XXXX and HOA due of 75 per year. XXXX+75+XXXX / 12=XXXX. CD is correct. Please rescind.
 09/28/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-13): Desk review provided. Exception cleared.


Reviewer Comment (2021-09-10): Valuation Received - XX/XX/XX
 09/13/2021     1 A   XX Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXXX on page 4; however the Taxes, Insurance and HOA dues total $XXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $904.83. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-06): PCCD & LOE provided as trailing docs


Seller Comment (2021-10-05): Please see attached PCCD, LOX, and XXXXX label.
   10/06/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. The Initial Loan Estimate was received by the borrower XX/XX/XX and the earliest E-Sign Disclosure in the file is dated XX/XX/XX.       Reviewer Comment (2021-09-28): Acknowledgement of Intent to Proceed utilized to verify E-Sign approval on XX/XX/XX.


Seller Comment (2021-09-20): BR - XX/XX/XX - Please See attached notice of intent to proceed
 09/28/2021     1 A   XX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $499.60 exceeds tolerance of $255.00.  Insufficient or no cure was provided to the borrower. A portion of the recording fee was seller paid, and is customarily paid by Seller in the state of XXXXX.  The borrower paid portion was properly disclosed.       Reviewer Comment (2021-10-26): XXXXX Received LE and COC dated XX/XX/XX therefore no cure require.


Seller Comment (2021-10-25): A COC was done on XX/XX/XX for the XXXXX addendum to increase the purchase price to XXXXX which resulted in an increase to the loan amount and related fees such as lender's title insurance, transfer taxes and endorsement - see attached COC, XXXXX addendum and redisclosed XX/XX/XX LE.
 10/26/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $3,914.00 exceeds tolerance of $2,627.00.  Insufficient or no cure was provided to the borrower. A portion of the recording fee was seller paid, and is customarily paid by Seller in the state of XXXXX.  The borrower paid portion was properly disclosed.       Reviewer Comment (2021-10-26): XXXXX Received LE and COC dated XX/XX/XX therefore no cure require.


Seller Comment (2021-10-25): A COC was done on XX/XX/XX for the XXXXX addendum to increase the purchase price to XXXXX which resulted in an increase to the loan amount and related fees such as lender's title insurance, transfer taxes and endorsement - see attached COC, XXXXX addendum and redisclosed XX/XX/XX LE.
 10/26/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $10,202.30 exceeds tolerance of $8,787.00.  Insufficient or no cure was provided to the borrower. A portion of the recording fee was seller paid, and is customarily paid by Seller in the state of XXXXX.  The borrower paid portion was properly disclosed.       Reviewer Comment (2021-10-26): XXXXX Received LE and COC dated XX/XX/XX therefore no cure require.


Seller Comment (2021-10-25): A COC was done on XX/XX/XX for the XXXXX addendum to increase the purchase price to XXXXX which resulted in an increase to the loan amount and related fees such as lender's title insurance, transfer taxes and endorsement - see attached COC, XXXXX addendum and redisclosed XX/XX/XX LE.
 10/26/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM Safe Harbor QM Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Loan was submitted with an initial loan application date of XX/XX/XX under SHQM (APOR) designation which was not available at the time of application, therefore, SHQM loan parameters apply and the prior employment verification is needed.       Reviewer Comment (2021-10-28): Client requests to waive.
     10/28/2021 2 B   XX Primary Purchase   C B A A C B A A Safe Harbor QM Safe Harbor QM No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-150.00. Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-150.00, no cure provided to borrower.       Reviewer Comment (2021-10-05): XXXXX received XX/XX/XX VCC.


Seller Comment (2021-10-01): COC uploaded.  Fico changed from XXX to XXX, rebate no longer available.


Reviewer Comment (2021-09-30): XXXXX received XX/XX/XX COC indicating borrower wanted to keep rate at XX% however the rate lock document in file indicates the rate was locked until XX/XX/XX at XX%. Please provide additional details regarding if changed circumstance occurred to change pricing for review or please provide a corrected CD, LOE, refund check, and proof of mailing to cure.


Reviewer Comment (2021-09-29): Increase in points would not be a valid reason for the removal of the Lender Credit; exception remains


Seller Comment (2021-09-27): COC
 10/05/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance State Compliance State Defect XXXXX XXXXX - Certificate of Compliance or Exemption not attached to mortgage for recording. Reviewed file and verified Certificate of Compliance was not provided.       Reviewer Comment (2021-09-22): XXXXX is provided.  Exception is cleared.


Seller Comment (2021-09-21): XXXXX
 09/22/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - The 1003 reflects previous employment (Possible Self-employment) however, there is no income documentation within the loan file to verify previous employment history. Provide prior employment verification per AUS requirements.       Reviewer Comment (2021-11-19): As per selling Guide requirement is met. Exception Cleared.


Seller Comment (2021-11-18): XX/XX/XX JH: Please review FNMA guidelines that were uploaded again. Re-read through all verbal verification requirements. Nowhere does it state that a previous employer must be verified with start and end dates. Then please refer to B3-3.1-09, Other Sources of Income (XXXX) to review Employment Offers or Contracts guidelines, where again, there is no requirement for departing employment to be verified. Then refer to B3-3.1-03 where the guidelines specifically state a two year employment history is "Recommended," and does not say "required." This request is outside the scope of AUS guidelines. Please clear.


Reviewer Comment (2021-11-16): We need to verify the 2 years of employment and income history to determine the income stability, income trend, employment gap etc to have a better underwriting decision. Currently borrower is being qualified using projected income (future income) and we are unable to verify complete 2 years of employment history hence provide WVOE/Third party employment verification / CPA letter for prior business XXXXX. and prior employment with XXXXX. Exception remains.


Seller Comment (2021-11-15): FNMA guidelines


Seller Comment (2021-11-15): XX/XX/XX JH: Please see updated 1003. Start dates for previous employers do not need to be verified as there are no guideline requirements per FNMA guidelines. The XXXXX earnings are documented on the 1040s, which has been well communicated with previous rebuttals.


Reviewer Comment (2021-11-15): Required 1. updated 1003 with XXXXX as self-employed as per Business return 1120 borrower has 100% owner and XXXXX for  1120 business return. 2. required w2 for XXXXX from XXXXX or provide VOE for previous employment dates for the employer listed on 10003.Exception remain


Seller Comment (2021-11-12): 1120 XXXXX


Seller Comment (2021-11-12): XX/XX/XX JH: Please see 1120 for XXXXX in which the borrower is 100% owner. This is the XXXXX returns, further supporting the declaration of employment history. As an 1120, there would be no indication of the business on the 1040s due to the corporation being a completely separate entity. Please see documentation to verify XXXXX compensation and confirm full employment history and rescind.


Reviewer Comment (2021-10-08): Per the 1003 the Borrower worked at 2 different companies in the year XXXXX; however, there is only 1 W2 listed.   There is not enough documentation provided to reflect the information listed on the loan application.  Please provide the W2 for XXXXX on the employer listed for the start date of XX/XX/XX or please provide the Verification of previous employment dates for the employment listed on the 1003.Exception Remains


Seller Comment (2021-10-08): XX/XX/XX JH: Review the page of the returns I sent again please. Schedule 1 lumps the W2 income together, but the XXXXX Schedule IL-WIT breaks out the W2 earned by filing party. XXXXX XXXXX W2 earned from employer with EIN XXXXX, which is linked to XXXXX via the W2 for XXXXX on file, and earned XXXXX according to column C. Here is the AUS as requested with the prior employment removed.


Reviewer Comment (2021-10-06): The 1040s within the loan file reflect two wage earners with a collective total wage income and do not reflect the Borrower W2 income for XXXXX as required on the AUS.  Please provide the required W-2 for XXXXX2 as reflected on the subject loan AUS.  If unable to complete, please rerun the AUS with projected income only with no other  prior employment history there after and supply finding.  Exception remains.


Seller Comment (2021-10-05): XX/XX/XX JH: Employment history has been documented and verified per FNMA. AUS requires documentation on prior year earnings, typically documented with VOE or W2. However, XXXXX returns are on file which verify the borrower's earnings for XXXXX and meet the following message in the AUS feedback: If a W-2 is not available from the prior year, the lender must determine if the income would still be acceptable per the Selling Guide. Third party verification is only required for the borrower's current employer per FNMA B3-3.1-07. Projected income is consistent with earnings on the tax returns for the prior two years for the borrower, following the documentation connections provided in the lender's first response. Please escalate if unwilling to clear.


Reviewer Comment (2021-10-04): Because you are using Projected Income without a Paystub or W-2  (that is required on the Subject property AUS).  Employment history has to be documented and verified per FNMA.  Please provide evidence of previous employment.  Exception remains.


Seller Comment (2021-10-01): XX/XX/XX JH: Please rescind or provide guideline that requires third party verification to verify prior employment. Posting FNMA guideline for reference, which requires verification of active status at current employer only. VVOE for XXXXX is not required, history supported with documents on file.


Reviewer Comment (2021-09-29): Require VVOE for previous employer XXXXX to verify end date of employment and 2 years consecutive employment history require hence exception remains


Seller Comment (2021-09-28): XX/XX/XX JH: Please see updated 1003 with employer listed. Documentation on file supports 2 year employment history with XXXXX.


Reviewer Comment (2021-09-28): Provide Complete 2 years employment history. Final 1003 shows employment at XXXXX has started fromXX/XX/XX hence supporting docs required to verify 2 years employment history. exception remains.


Seller Comment (2021-09-27): XX/XX/XX JH: Please rescind. VVOE guidelines do not require start date verification for previous employer. A two year history has been documented via the returns for XXXXX. The XXXXX W2 for this employer is on file, and the EIN can be linked to the W2 earnings on the XXXXX returns, documenting a 2 year history of earnings. As indicated, XXXXX may be a Corporation, which would not appear on returns. However, XXXXX has neuromuscular specialties, which would be in line with a self employed business owned by the borrower.
 11/19/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Employment Error: Employment job title not provided. -         Reviewer Comment (2021-11-16): Received updated 1003 to confirm the Job Title. Exception cleared.


Seller Comment (2021-11-15): XX/XX/XX JH: Please see updated 1003. There are no guidelines requirements that mandate a job title must be provided.
 11/16/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2021-11-19): As per selling Guide requirement is met. Exception Cleared.


Seller Comment (2021-11-18): XX/XX/XX JH: Please review FNMA guidelines that were uploaded again. Re-read through all verbal verification requirements. Nowhere does it state that a previous employer must be verified with start and end dates. Then please refer to B3-3.1-09, Other Sources of Income (XXXX) to review Employment Offers or Contracts guidelines, where again, there is no requirement for departing employment to be verified. Then refer to B3-3.1-03 where the guidelines specifically state a two year employment history is "Recommended," and does not say "required." This request is outside the scope of AUS guidelines. Please clear.


Reviewer Comment (2021-11-16): As per 1003 received on XX/XX/XX borrower was employed withXXXXX from XX/XX/XX to XX/XX/XX however we do not have supporting document to verify the length of employment. Provide WVOE/Third party employment verification to verify start date and end date of employment to verify complete 2 years of employment history. Exception remains.


Seller Comment (2021-11-15): FNMA guidelines


Seller Comment (2021-11-15): XX/XX/XX JH: Please see attached FNMA guidelines. There are no employment verification requirements for previous employers. Please rescind.
 11/19/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2021-11-19): As per selling Guide requirement is met. Exception Cleared.


Seller Comment (2021-11-18): XX/XX/XX JH: Please review FNMA guidelines that were uploaded again. Re-read through all verbal verification requirements. Nowhere does it state that a previous employer must be verified with start and end dates. Then please refer to B3-3.1-09, Other Sources of Income (XXXX) to review Employment Offers or Contracts guidelines, where again, there is no requirement for departing employment to be verified. Then refer to B3-3.1-03 where the guidelines specifically state a two year employment history is "Recommended," and does not say "required." This request is outside the scope of AUS guidelines. Please clear.


Reviewer Comment (2021-11-16): As per 1003 received on XX/XX/XX borrower was self - employed at XXXXX. from XX/XX/XX however we do not have supporting document to verify the length of business. Provide CPA Letter/Third party employment verification to verify start date and end date of business to verify complete 2 years of employment history. Exception remains.


Seller Comment (2021-11-15): XX/XX/XX JH: Please see attached FNMA guidelines. There are no employment verification requirements for previous employers. Please rescind.
 11/19/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Due to points and fees.       Reviewer Comment (2021-09-22): Evidence of bona fide points provided.


Seller Comment (2021-09-19): XXXXX Bona Fide Discount Points
 09/22/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Self-Employed Tax Return Recency - ATR Ability to Repay (Dodd-Frank 2014): Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. Reviewed file and verified XXXXX Tax Returns was not provided.       Reviewer Comment (2021-09-08): Copy of extension provided.


Seller Comment (2021-09-07): XXXXX Tax Forms
 09/08/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees 2021 Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.09587% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $24,664.19 on a Federal Total Loan Amount of XXXXX vs. an allowable total of $23,900.42 (an overage of $763.77 or .09587%). Loan discount points may be removed with evidence of the undiscounted rate and undiscounted rate price.       Reviewer Comment (2021-09-22): Evidence of bona fide points provided.


Seller Comment (2021-09-19): XXXXX Bona Fide Discount Points
 09/22/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Reviewed file and vertified Assets Statements was not provided.       Reviewer Comment (2021-09-08): Asset statements received and associated.. Exception cleared..


Seller Comment (2021-09-07): XXXXX Bank Statements
 09/08/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Per 1008 loan ran through DU; copy of AUS not provided.       Reviewer Comment (2021-09-08): Copy of AUS provided.


Seller Comment (2021-09-07): XXXXX AUS
 09/08/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XX,  Most Recent Tax Return End Date XX/XX/XX, Tax Return Due Date XX/XX/XX. XXXXX extension provided.       Reviewer Comment (2021-09-22): Extension provided.
 09/22/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS was not provided       Reviewer Comment (2021-09-09): AU associated and updated, Exception Cleared.


Seller Comment (2021-09-09): AUS
 09/09/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   No asset documentation was provided for review.       Reviewer Comment (2021-10-06): Lender provided Bank Statements, 401(k) Statement and 401(k) Loan Agreement


Seller Comment (2021-10-01): All bank statements has already been provided. What are we missing here?


Reviewer Comment (2021-09-28): Please provide bank statement supporting the closing balance amount as per final 1003 which has been used to qualify to get the cash from borrower amount XXXXX. Exception remains.


Seller Comment (2021-09-27): Please see updated 1003, 1008 and AUS. The borrower is not short funds to close.  
Specifically:

Funds to close per final CD -     XXXXX
Verified funds:                        XXXXX
Liquid assets:                          XXXXX
Retirement                               XXXXX

The balance in the borrower's retirement account is > 20% above the amount required so FNMA does not require evidence of liquidation.


Reviewer Comment (2021-09-09): Uploaded bank statements are not valid as recent bank statement closing balance amount are not matching as per final 1003 which has been used to qualify to get the cash from borrower amount  XXXXX , Please provide valid bank statements accordingly, Exception Remains.


Seller Comment (2021-09-09): Assets
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   No asset documentation was provided.       Reviewer Comment (2021-10-06): Lender provided Bank Statements, 401(k) Statement and 401(k) Loan Agreement


Seller Comment (2021-10-01): All bank statements has already been provided. What are we missing here?


Reviewer Comment (2021-09-28): Please provide bank statement supporting the closing balance amount as per final 1003 which has been used to qualify to get the cash from borrower amount XXXXX. Exception remains.


Seller Comment (2021-09-27): Please see updated 1003, 1008 and AUS. The borrower is not short funds to close.  
Specifically:

Funds to close per final CD -     XXXXX
Verified funds:                        XXXXX
Liquid assets:                          XXXXX
Retirement                               XXXXX

The balance in the borrower's retirement account is > 20% above the amount required so FNMA does not require evidence of liquidation.


Reviewer Comment (2021-09-09): Uploaded bank statements are not valid as recent bank statement closing balance amount are not matching as per final 1003 which has been used to qualify to get the cash from borrower amount  XXXXX , Please provide valid bank statements accordingly, Exception Remains.


Seller Comment (2021-09-09): REO docs
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Please provide an updated tax cert confirming the higher figure of $XXXX annually.       Reviewer Comment (2021-11-23): Documentation provided, exception cleared.


Seller Comment (2021-11-22): Please see supporting document tax calculations supporting the higher tax amount of $XXXX


Reviewer Comment (2021-11-17): Have not received missing documents, Received tax cert reflecting annual tax amount of $XXXX which is not supporting the higher tax amount of $XXXX, Please provide supporting documents to consider. Exception Remains


Seller Comment (2021-11-16): The supporting spreadsheet document was provided. With new construction the tax certs are only based off of land value and we have to qualify the borrower on a projected tax amount. Because we aren't sure what the fully assessed values of the properties could be, we use a percent determined by the builder which is on the spreadsheet uploaded with the file. The formula provided below is correct and the calculation is only off by a couple cents. This is typical for every new construction loan.
XXXXX x 0.8% = XXXX / 12 months = XXXX/mo


Reviewer Comment (2021-11-16): Received Tax cert reflecting annual Tax amount of $XXXX. which is not supporting the higher tax amount of $XXXX. Provide supporting document to consider higher amount of $XXXX. Exception remains.


Seller Comment (2021-11-15): Please see attached tax cert.
 11/23/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Survey Fee.  Fee Amount of $625.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Survey Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $625, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-26): XXXXX Received PCCD dated XX/XX/XX along with LOE therefore no cure require.


Seller Comment (2021-10-25): correct CD uploaded


Reviewer Comment (2021-10-19): A Survey Fee (not same as Title - Survey fee) was not previously disclosed as a charge to the Borrower. In Section C this non-disclosed fee is counted as exceeding tolerance. Had it been shown in Section H, it would not have been considered a tolerance discrepancy; exception remains


Seller Comment (2021-10-18): fee is line C (services borrower can shop for)  you don't have to refund - fees can change
 10/26/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   A secondary valuation is not provided.       Reviewer Comment (2021-10-06): Received XXXXX Value (XXXXX) to Appraisal Value (XXXXX) :0.00%. Exception Cleared.
 10/06/2021     1 A   XX Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. The Final Closing Disclosure reflects Date Issued XX/XX/XX, Closing Date XX/XX/XX.  There is no evidence of an earlier receipt.       Reviewer Comment (2021-09-16): Receipt date was documented by D0144 - Exception cleared.
 09/16/2021     1 A   XX Primary Purchase No Defined Cure D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-10-06): Received XXXXX Value (XXXXX) to Appraisal Value (XXXXX) :0.00%. Exception Cleared.


Reviewer Comment (2021-10-05): Valuation Received - XX/XX/XX
 10/06/2021     1 A   XX Primary Purchase   D A A A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of the AUS       Reviewer Comment (2021-09-29): AUS received. Exception cleared.


Seller Comment (2021-09-28): AUS
 09/29/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit System General Appraisal Reconciliation Valuation address does not match Note address. - Subject Address is XXXXX. Note Address XXXXX.       Reviewer Comment (2021-10-07): As per look up zip code, we can determine that note address XXXXX is same as XXXXX mentioned on Valuation report which is acceptable. Hence exception cleared.


Seller Comment (2021-10-06): Please provide us our curative options? Instructions on how you want this to be corrected.


Reviewer Comment (2021-10-04): XX/XX/XX: Documentation provided did not verify that XXXXX and XXXXX are considered one and the same.


Seller Comment (2021-10-01): How do you require this to be corrected? What is our curative options?


Reviewer Comment (2021-09-29): The variance in address is of the city name. Provided XXXXX verification does not confirm city as on the note. Exception remains.


Seller Comment (2021-09-28): Please see XXXXX verification.
 10/07/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   Subject Address is XXXXX. Note Address XXXXX.       Reviewer Comment (2021-10-07): As per look up zip code, we can determine that note address XXXXX is same as XXXXX mentioned on Hazard Insurance policy which is acceptable. Hence exception cleared.


Seller Comment (2021-10-06): Please provide us our curative options? Instructions on how you want this to be corrected.


Reviewer Comment (2021-10-04): XX/XX/XX: Documentation provided did not verify that XXXXX and XXXXX are considered one and the same.


Seller Comment (2021-10-01): How do you require this to be corrected? What is our curative options?


Reviewer Comment (2021-09-29): The variance in address is of the city name. Provided XXXXX verification does not confirm city as on the note. Exception remains.


Seller Comment (2021-09-28): Please see XXXXX verification.
 10/07/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Eligibility Asset Asset Verification Level is less than 4. - Bank statements are not in the file to verify assets. Need full 2 months for the following accounts from XXXXX and XXXXX and XXXXX, and XXXXX and XXXXX.       Reviewer Comment (2021-09-22): Received 2 months Bank statements to verify assets hence Exception Cleared


Reviewer Comment (2021-09-22): Exception Wrongly cleared. Hence Exception opened


Reviewer Comment (2021-09-22): Received Permanent resident alien Card. Exception cleared
 09/22/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   Secondary valuation is missing in the file.       Reviewer Comment (2021-09-23): UCDP submission summary report received . Exception cleared


Seller Comment (2021-09-22): Please see attached SSRs showing the XXXXX Risk Score is 1
 09/23/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Documentation requirement to verify borrower's citizen status is not found in the file.       Reviewer Comment (2021-09-22): Received permanent resident card. Exception cleared
 09/22/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Property Taxes ($XXXX) and Insurance ($XXXX) total $XXXX per year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-12): XXXXX received proof of tax calculation.


Buyer Comment (2021-10-12): This should be assigned to XXXXX and not XXXXX


Seller Comment (2021-10-04): Here is the calculation for the property taxes:
The purchase price, XXXXX x 1.1064 = $XXXX , divided by 12 = $XXXX per month.  HOI is XXXX year/12= XXXX monthly.
XXXX + XXXX= XXX *11 is XXXX. Which is escrowed property cost over year 1
 10/12/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Escrow Payment Under Disclosed TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an escrow payment for payment stream 1 that does not match the actual payment for the loan. The final CD disclosed the Amount of Escrowed Property Costs over Year 1 as $XXXX on page 4; however the Property Taxes ($XXXX) and Insurance ($XXXX) total $XXXXper year. Provide a post-close CD correcting the Escrow Account section and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-12): XXXXX received proof of tax calculation.
 10/12/2021     1 A   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Loan program requires an AUS findings.       Reviewer Comment (2021-09-22): received AUS findings. Exception cleared
 09/22/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Per guidelines: For CLTV >80%, borrower must have the greater of 6mo reserves or reserves determined by DU or LP       Reviewer Comment (2021-10-15): Based on assets of XXXXX, meets 6 mo reserve requirement


Seller Comment (2021-10-13): Please see 1008 and AUS. CLTV is at XX%
 10/15/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Evidence payoff of loan with XXXXX not provided.       Reviewer Comment (2021-10-28): Received bank statement to verify the student loan Payoff with XXXXX. Exception Cleared


Seller Comment (2021-10-27): copy of Student loan , bank statement to show paid off


Reviewer Comment (2021-10-20): Per AUS # 15 loan was omitted; documentation to support omission is required.


Seller Comment (2021-10-19): can you please review this conditions , per DU and 1003 there's nothing that says we need pay off of XXXXX loan . 1003 states it will not be paid off at closing . Please advise what you need to clear this conditions .
 10/28/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,456.99 exceeds tolerance of $5,449.00.  Sufficient or excess cure was provided to the borrower at Closing. The Final Closing Disclosure reflects Transfer Tax fee of $5456.99, the Loan Estimate initially disclosed $5449.00.  Evidence of a cure is not provided.       Reviewer Comment (2021-10-04): Sufficient Cure Provided At Closing
   10/04/2021   1 A   XX Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,456.99 exceeds tolerance of $5,449.00.  Insufficient or no cure was provided to the borrower. The Final Closing Disclosure reflects Transfer Tax fee of $5456.99, the Loan Estimate initially disclosed $5449.00.  Evidence of a cure is not provided.       Reviewer Comment (2021-11-09): XXXXX Received PCCD dated XX/XX/XX along with LOE and Copy of check.


Seller Comment (2021-11-08): Uploaded Tolerance Cure
   11/09/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided           Reviewer Comment (2021-10-07): Recently received Fraud Report which has been associated in XXXXX with provided details. Hence Exception cleared.
 10/07/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $62.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. The Final Closing Disclosure reflects a Title - SubEscrow Fee of $62.50, which was not initially disclosed on the Loan Estimate. A $150.00 Lender credit for increase in Closing Costs is applied at close       Reviewer Comment (2021-09-30): Sufficient Cure Provided At Closing
   09/30/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $105.50 exceeds tolerance of $90.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit Report Fee was last disclosed as $90 on LE but disclosed as $105 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-09-03): Sufficient Cure Provided At Closing
   09/03/2021   1 A   XX Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. LE provided on XX/XX/XX not received by borrower at least 4 business days prior to closing. Evidence of earlier borrower receipt was not found in file.       Reviewer Comment (2021-09-28): Signed Acknowledgement of Receipt from the Borrower is provided.  Exception cleared.


Seller Comment (2021-09-24): Please see attached LE Ack from the borrower and lender.


Seller Comment (2021-09-23): Please advise the LE was issued XX/XX/XX and with 6 day mailbox rule that would make loan available to close XX/XX/XX.  Loan closed XX/XX/XX and funded XX/XX/XX. This LE was mailed.. Can you please provide a contact for us to speak with to escalate regarding this condition.


Reviewer Comment (2021-09-16): Please provide proof of mailing or confirmation of electronic receipt to confirm and test required timelines for the XX/XX/XX LE.


Seller Comment (2021-09-15): Please see attached LOX from the lender.
 09/28/2021     1 A   XX Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of 14,372.28 on Final Closing Disclosure provided on XX/XX/XX not accurate. Total escrows were $14,545.07 in audit. Insurance was entered at a lower amount of $872.30 on the final CD versus actual of $1045.07.       Reviewer Comment (2021-10-12): XXXXX received Hazard insurance and the property cost is matching with Final CD.


Seller Comment (2021-10-11): XX/XX/XX DS: please waive condition as HOI is XXXX and taxes are XXXX which are calculated based on 1.25% of purchase price (XXXXX*.0125=XXXX). Which is XXXX monthly and XXXX monthly which is XXXX annual as CD states. Please waive condition.
 10/12/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-09-28): XXXXX in file - Cleared.


Seller Comment (2021-09-27): Secondary valuation was attached separately before the UCDPs. Please see attached Secondary valuation again.


Reviewer Comment (2021-09-27): UCDP Submission is not considered a valuation, the is no value assigned to the Subject Property, only stating the value assigned by the appraisal.  Exception remains.


Seller Comment (2021-09-24): See attached SSRs (already provided in original file)


Seller Comment (2021-09-24): See attached secondary valuation
 09/28/2021     1 A   XX Primary Purchase   D B A A B B D A Higher Priced QM Higher Priced QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. Employment dates not verified on VVOE.       Reviewer Comment (2021-10-05): Client elects to waive.
     10/05/2021 2 B   XX Primary Purchase   D B A A B B D A Higher Priced QM Higher Priced QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). Finance Charge disclosed is $XXXX.  Calculated finance charge is $XXXX.  Variance of $XXXX.  Based on review of Lender's compliance report, Title Services  was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.       Reviewer Comment (2021-11-12): XXXXX received cancelled check in lieu of proof of delivery.


Seller Comment (2021-11-10): Please see cancelled check as evidence of delivery


Reviewer Comment (2021-11-02): Missing proof of delivery for refund check (fax cover sheet n/a for check); exception remains
   11/12/2021   2 B   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Documentation is missing from file.       Reviewer Comment (2021-09-20): i797 received for borrower. Exception cleared


Seller Comment (2021-09-20): XXXXX Non US Citizen Eligibility


Reviewer Comment (2021-09-16): 0XX/XX/XX SSi form does not verify non us citizen.


Seller Comment (2021-09-15): XXXXX ID SSN
 09/20/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - Missing Verification of Non-US Citizen documentation.       Reviewer Comment (2021-09-20): i797 received for borrower. Exception cleared


Seller Comment (2021-09-20): XXXXX Non US Citizen Eligibility


Reviewer Comment (2021-09-16): XX/XX/XX Document provided does not verify non us Citizen. Exception remains.


Seller Comment (2021-09-15): XXXXX ID SSN
 09/20/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $605.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer tax Fee was last disclosed as $0 on LE but disclosed as $605 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-09-07): Sufficient Cure Provided At Closing
   09/07/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Official Check not provided   Copy of earnest money check and or receipt are missing.       Reviewer Comment (2021-09-15): Received Deposit receipt.


Seller Comment (2021-09-15): XXXXX Earnest Money
 09/15/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Hazard Insurance Document Error Hazard Insurance Hazard Insurance policy does not list Lender or Servicer and its successors and assigns, per guideline requirements.   HOI policy provide reflects incorrect mortgagee clause.  Lender to provide updated policy reflecting "Lender its successors and assigns"       Reviewer Comment (2021-10-25): Received updated HOI policy reflecting ISAOA clause. Exception cleared.


Seller Comment (2021-10-22): See attached updated HOI with ISAOA.
 10/25/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing, Incorrect, or Incomplete Final or Initial 1003 Missing Document: Missing Final 1003     The representative FICO score exceeds the guideline minimum by at least 40 points.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has worked in the same position for more than 3 years.

Borrower has verified disposable income of at least $2500.00.

Borrower has been employed in the same industry for more than 5 years.		   Owner

Owner

Owner

Owner

Owner

Owner

Owner		 Reviewer Comment (2022-01-14): Final signed 1003 provided - exception cleared


Seller Comment (2022-01-13): final signed 1003 uploaded


Reviewer Comment (2022-01-13): Exception re-opened.


Reviewer Comment (2021-10-05): Client elects to waive.
 01/14/2022     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - Missing document for Non-Permanent Resident Alien.       Reviewer Comment (2021-11-23): Non-permanent Resident Alien documentation provided for both borrowers.


Seller Comment (2021-11-23): XXXXX 1003 Updated


Reviewer Comment (2021-10-27): Received 1003 and EAD for XXXXX which were already present in file. As per 1003 XXXXX is permanent resident alien and provided document is EAD. Either provide PRA card for XXXXX or else provide an updated 1003 reflecting citizenship status as Non-permanent resident alien for XXXXX. Exception remains.


Seller Comment (2021-10-26): 1003 & EMPLOYMENT AUTHORIZATION


Reviewer Comment (2021-10-22): As per 1003 received XXXXX is a permanent Resident alien, a permanent resident alien card is required for XXXXX or confirm citizenship status with updated 1003. Condition Remains.


Reviewer Comment (2021-09-28): Per 1003, XXXXX is a permanent Resident alien while the provided document is EAD. Provide green card or confirm citizenship status with updated 1003. Exception remains.


Seller Comment (2021-09-27): XXXXX


Seller Comment (2021-09-27): XXXXX Perm Resident Alien


Reviewer Comment (2021-09-23): A permanent resident alien card is required for XXXXX and a
letter from the employer or verification of employment reflecting continuance is likely are required for XXXXX. Exception remains


Seller Comment (2021-09-22): XXXXX ID
 11/23/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Missing bank statement ending XXXXX, XXXXX, XXXXX,XXXXX and XXXXX listed in final 1003.       Reviewer Comment (2021-09-28): Account number ending with XXXXX,XXXXX, XXXXX, XXXXX and XXXXX already associated in XXXXX and also received IRA bank statement same was associated. Borrower has enough fund at the time of closing. Hence exception cleared.


Seller Comment (2021-09-27): XXXXX Retirement Statements


Reviewer Comment (2021-09-23): Required XXXXX retirement statement in the amount of XXXXX which is reflected in AUS. Exception remains


Seller Comment (2021-09-22): XXXXX Bank Statements
 09/28/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - Missing Permanent Resident Alien card for XXXXX.       Reviewer Comment (2022-01-25): VISA provided for both borrowers.


Reviewer Comment (2022-01-25): Citizenship documentation provided.


Reviewer Comment (2021-09-21): Client elects to waive.
 01/25/2022     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Loan was approved using an AUS program, no AUS was in file.       Reviewer Comment (2021-09-23): Received AUS report. Exception cleared


Seller Comment (2021-09-22): XXXXX AUS
 09/23/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. 11 months was used for Non-Escrowed Property Costs over Year 1 when 12 months should have been used.       Reviewer Comment (2021-09-30): XXXXX received Letter of Explanation & Corrected Closing Disclosure.
   09/30/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The Commitment title report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-09-23): Received Final Title Policy. Exception cleared.
 09/23/2021     1 A   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-10-06): provided as a trailing doc
 10/06/2021     1 A   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The Commitment title report in file disclosed XXXXX  of title insurance coverage; however this is less than the loan amount of XXXXX .  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-09-21): Client elects to waive.
     09/21/2021 2 B   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-06): PCCD & LOE provided as trailing docs


Seller Comment (2021-10-05): Please see attached PCCD, LOX, and XXXXX label.
   10/06/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $5,250.45 exceeds tolerance of $5,232.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer Tax was last disclosed as $5,232.00 on LE but disclosed as $5,250.45 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $18.45 was provided at closing.       Reviewer Comment (2021-10-18): Sufficient Cure Provided At Closing
   10/18/2021   1 A   XX Primary Purchase Final CD evidences Cure D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           Reviewer Comment (2021-11-04): Received XXXXX XXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.
 11/04/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insurance address does not match Note address.   All provided Binders indicate XXXXX as the Zip Code - See Doc ID# XXXX       Reviewer Comment (2021-11-30): Received HOI policy reflecting correct Zip code. Exception cleared.


Seller Comment (2021-11-29): XXXXX XX/XX/XX MWM Please see attached HOI
 11/30/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit System General System Flood Certificate Subject Address does not match Note address.   Provided Flood Certificate indicates XXXXX as the Zip Code - See Doc ID# XXXX       Reviewer Comment (2021-10-27): Received updated Flood Cert. Exception cleared.


Seller Comment (2021-10-26): XX/XX/XX BK: Please rescind. Attached is the flood cert with the correct zip code.
 10/27/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-11-04): Received XXXXX XXXXX dated XX/XX/XX with the value of XXXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.


Reviewer Comment (2021-11-03): Valuation Received - XX/XX/XX
 11/04/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-09-28): n/a after rerun of compliance
 09/28/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-27): XXXXX received on XX/XX/XX, Exception Cleared


Reviewer Comment (2021-09-24): Valuation Received - XX/XX/XX
 09/27/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Fraud report is not in the file.       Reviewer Comment (2021-09-17): Received Fraud report and exception cleared.
 09/17/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Eligibility Asset Asset Verification Level is less than 4. - Documentation requirements not met. Missing 2 months verification for the following accounts: XXXXX and XXXXX and XXXXX.       Reviewer Comment (2021-09-28): deleted after re-run of XXXXX -


Reviewer Comment (2021-09-28): Please provide recent bank statement XXXXX #XXXXX (July) and XXXXX 401K. Because 401K XXXXX amount reflect as $0.06 dated XX/XX/XX. Please confirm the ending balance for XXXXX 401K. Hence exception remains.


Reviewer Comment (2021-09-23): Required recent statement XXXXX # XXXXX(July ) and XXXXX 401K. Because 401K XXXXX amount reflects as $0.06 dated XX/XX/XX. Please confirm the ending balance for XXXXX 401K. Exception remains


Seller Comment (2021-09-22): Just to confirm, a later statement is needed than June and July? The statements we uploaded for the 401k and savings account are June and July.


Reviewer Comment (2021-09-17): Received complete bank statement for XXXXX # XXXXX, Please provided updated bank statement for XXXXX # XXXXX and XXXXX 401K. Exception remains.
 09/28/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $463.90 exceeds tolerance of $175.00 plus 10% or $192.50.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-11): XXXXX received: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD


Reviewer Comment (2021-09-23): XXXXX has not received any valid COC justifying the increase in recording fee on LE dated XX/XX/XX. Kindly provide a valid change of circumstance or cure documents for the same.
   10/11/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $12,235.17 exceeds tolerance of $2,051.00.  Insufficient or no cure was provided to the borrower. The Final Closing Disclosure reflects Loan Discount Points which is not the same amount initially disclosed on the Loan Estimate. Missing a valid COC.       Reviewer Comment (2021-09-30): "XXXXX received valid COC document to clear the exception.


Seller Comment (2021-09-30): The change occured on XX/XX/XX per the COC and a CD on XX/XX/XX showing the change to 12,235.17. I have attached the CD dated XX/XX/XX stating the increase for the COC.


Reviewer Comment (2021-09-23): XXXXX received Changed Circumstance dated XX/XX/XX.  The discount points increased on CD issued XX/XX/XX, which is 5 days from the change date.  In order to re-baseline fees, a revised CD needed to be issued within 3 business days of the change occurring.  Kindly provide a corresponding CD within 3 days timeline from valid change or provide a corrected CD, copy of the refund check, Proof of mailing, and a copy of the letter of explanation sent to the borrower disclosing the changes made.
 09/30/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Loan program requires AUS findings.       Reviewer Comment (2021-09-17): Received AUS and exception cleared.
 09/17/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - Start/End date of contract employment for the co-borrower with XXXXX not verified.       Reviewer Comment (2021-10-28): VVOE from Prior employer XXXXX Received.         Start/End date of contract employment  for XXXXX Verified. Exception Cleared.
 10/28/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-11-04): Final title provided.
 11/04/2021     1 A   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The Title Commitment report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-11-03): Received Title final with coverage value of XXXXX , verified details and associated. Exception cleared.


Seller Comment (2021-11-02): Please see attached final title policy to clear the condition.


Reviewer Comment (2021-10-19): Please provide final title policy or updated title commitment with the policy amount sufficient to cover the loan amount of XXXXX. Exception remains.


Seller Comment (2021-10-18): Please advise if this condition is still "open"- the other condition for the exact same issue was waived by the client. Please confirm if this is still needed.
 11/03/2021     1 A   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The Title Commitment report in file disclosed XXXXX of title insurance coverage; however this is less than the loan amount of XXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-10-12): Client elects to waive.
     10/12/2021 2 B   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2022-01-31): Title provided with amount.


Reviewer Comment (2021-09-13): Received final title policy with insurance amount equal to loan amount. Exception cleared.
 01/31/2022     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-09-29): XX/XX/XX Cleared. Provided.
 09/29/2021     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Verification of Safe Harbor Loan Designation was not provided.       Reviewer Comment (2021-09-29): 0XX/XX/XX Cleared.


Seller Comment (2021-09-28): XX/XX/XX DL: Please clear based on documentation provided for other conditions.
 09/29/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. Verification of Safe Harbor Loan Designation was not provided.       Reviewer Comment (2021-09-29): XX/XX/XX Cleared.


Seller Comment (2021-09-28): XX/XX/XX DL: Please clear based on documentation provided for other conditions.
 09/29/2021     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $275.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. Reinspection Fee was last disclosed as $150 on LE but disclosed as $275 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-29): Sufficient Cure Provided At Closing
   10/29/2021   1 A   XX Primary Purchase Final CD evidences Cure B B A A B B B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - The appraisal was not in the name of the lender. HPML/Safe Harbor requires correct lender to be identified.  Provide a revised appraisal correcting the client.       Reviewer Comment (2021-11-09): Client elects to waive
     11/09/2021 2 B   XX Primary Purchase   B B A A B B B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Miscellaneous Compliance Missing Non-Required Data Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. - ___ The MERS Registration fee did not list a payee on the Initial and Final Closing Disclosure.       Reviewer Comment (2021-11-09): Client elects to waive
     11/09/2021 2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B A A B B B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. Confirmed HOA with valuation no other document in file.       Reviewer Comment (2021-10-06): XXXXX received documentation supporting $221/yr HOA dues.


Seller Comment (2021-10-01): Please see HOA statement. HOA dues are correct on the CD of $18.42 monthly   ($221.00 annual)
 10/06/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Eligibility Asset Asset Verification Level is less than 4. - The DU states If depository assets are needed to support the amount of funds required and reserves, verify the assets with a bank statement covering two months.  Only 1 month has been provided on Account XXXXX       Reviewer Comment (2021-10-27): The Account in question was opened recently and does not have two months verification.  However, the deposits into account have been sourced and seasoned.


Seller Comment (2021-10-25): Asset LOX was provided in the file regarding this account and when it was opened. Please see attached again for reference (refer to #1 on the attached asset LOX).  Borrower opened account on XX/XX/XX.
 10/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by XXXXX.   Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2021-09-27): Replacement Cost estimate has been acknowledged Exception cleared.


Seller Comment (2021-09-24): replacement cost estimate
 09/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Missing bank statements ending XXXXX stated in file 1003.       Reviewer Comment (2021-09-22): Received missing Bank Statement. Exception cleared.


Seller Comment (2021-09-21): bank statements
 09/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Asset documentation is missing from the file.       Reviewer Comment (2021-09-22): Received missing Bank Statement. Exception cleared.


Seller Comment (2021-09-21): Asset docs
 09/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   Secondary valuation not on file       Reviewer Comment (2021-11-03): XXXXX received as secondary valuation. Exception Cleared.
 11/03/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-11-03): XXXXX received, Exception Cleared.


Reviewer Comment (2021-11-02): Valuation Received - XX/XX/XX
 11/03/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $10,227.33 exceeds tolerance of $8,938.00.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was  last disclosed as $8,938.00 on LE but disclosed as $10,237.33 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $1.289.33, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-09-24): XXXXX   COC dated XX/XX/XX is provided showing the change in interest rate.


Seller Comment (2021-09-23): DC XX/XX/XX Disagree. On XX/XX/XX the borrower requested a decrease in the interest rate which caused a hit to pricing and a new CD was disclosed to the borrower.
 09/24/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $120.08 exceeds tolerance of $100.00.  Insufficient or no cure was provided to the borrower. Credit Report Fee was  last disclosed as $100.00 on LE but disclosed as $120.08 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $20.08, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-09-24): XXXXX  Upon further review, Cure was provided at closing. No additional cure needed


Seller Comment (2021-09-23): See attached final CD which includes a $20.08 tolerance cure credit for the under disclosed credit report fee. See page 2 section J Lender Credits.
 09/24/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $120.08 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-09-24): Sufficient Cure Provided At Closing
   09/24/2021   1 A   XX Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           Reviewer Comment (2021-09-21): Client elects to waive.
     09/21/2021 2 B   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.           Reviewer Comment (2021-09-30): Final title provided with sufficient coverage. Exception cleared.
 09/30/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.           Reviewer Comment (2021-09-30): Final title provided with sufficient coverage. Exception cleared.


Seller Comment (2021-09-28): XX/XX/XX JH: Please see final policy attached with sufficient coverage.


Seller Comment (2021-09-28): XX/XX/XX TC please see attached, please clear.
 09/30/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $619.17  is less than amount of binding Lender Credit previously disclosed in the amount of $0.00. Final Lender Credit of $619.17 is less than amount of binding Lender Credit previously disclosed in the amount of $0.00. Missing a valid COC.       Reviewer Comment (2021-09-23): XXXXX received evidence of valid changed circumstance for decrease in lender credit.


Seller Comment (2021-09-20): The initial LE that was issued on XX/XX/XXwas floating so the lender credits can change per TILA 1026.19(e)(3)(iv)(D). When the loan locked on XX/XX/XX it locked with pricing of $-628.08 and a new CD was disclosed to the borrower. Then on XX/XX/XXthe borrower requested a CoC to change the loan amount which had an impact on pricing bringing it to $-619.18 and a new CD was disclosed to the borrower. Please see attached CoC, CDs, and Lock Confirmations.
 09/23/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   Loan is to be securitized, and was originated with an Appraisal.  the supporting secondary valuation is missing       Reviewer Comment (2021-09-21): Received a XXXXX desk review dated XX/XX/XX with value of XXXXX and a 0.00% variance from the appraised value. Exception cleared
 09/21/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Missing bank statements, Earnest money deposit and proof of net proceeds from sale of property stated in final 1003.       Reviewer Comment (2021-09-20): Calculated assets for closing is more than cash from borrower, hence cleared the exception
 09/20/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ Hazard Insurance Policy Effective Date XX/XX/XX. (PURCHASE transactions only).       Reviewer Comment (2021-09-23): Hazard Insurance Policy is Effective on Disbursement Date XX/XX/XX. Exception cleared.


Seller Comment (2021-09-23): This is an Escrow State. Borrower signed on the 2nd. Loan funded and recorded on the 3rd. Effective date is based off the funding date, which is reflecting correctly as the 3rd.
 09/23/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Eligibility Asset Asset Verification Level is less than 4. -         Reviewer Comment (2021-11-10): Associated bank statement confirming the receipt of XXXXX from the sale of property XXXXX, and Asset Verification Level is 4. Hence, exception cleared.


Seller Comment (2021-11-09): Is there anything needed from XXXXX to clear this condition?
 11/10/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Verified liquid assets in the amount of XXXXX are insufficient to meet cash to close of XXXXX..  Final 1008 reflects XXXXX verified, however, no asset documentation is provided in file.       Reviewer Comment (2021-09-29): Bank statement received and attached, exception cleared.


Seller Comment (2021-09-28): XXXXX Bank Statements
 09/29/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file was missing a copy of the Secondary Valuation       Reviewer Comment (2021-09-29): XX/XX/XX Cleared. Document provided.


Seller Comment (2021-09-28): XXXXX XXXXX
 09/29/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Verified assets in the amount of XXXXX are insufficient to meet reserves requirement of XXXXX.  Final 1008 reflects XXXXX verified, however, no asset documentation was included in the file.       Reviewer Comment (2021-09-29): Bank statement received and attached, exception cleared.


Seller Comment (2021-09-28): XXXXX Bank Statements
 09/29/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Lender to provide AUS.       Reviewer Comment (2021-09-29): AUS received and attached, exception cleared.


Seller Comment (2021-09-28): XXXXX AUS
 09/29/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Final Closing Disclosure reflects a Date Issued XX/XX/XXXX, Closing Date XX/XX/XXXX.       Reviewer Comment (2021-10-11): provided as a trailing doc


Seller Comment (2021-10-08): Per attached Disclosure Tracking in the file, the Initial CD was issued to the borrower and viewed & received by borrower on XX/XX/XXXX. This is 3 days prior to closing.
 10/11/2021     1 A   XX Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided           Reviewer Comment (2021-10-25): Received XXXXX card for both borrowers. Exception Cleared.


Seller Comment (2021-10-23): copy of Permanent card front and back
 10/25/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - The additional documentation provided as evidence of US residency does not have validity dates . Only one side was copied in the loan files.       Reviewer Comment (2021-10-25): Received XXXXX card for both borrowers. Exception Cleared.


Seller Comment (2021-10-23): copy of Permanent card front and back
 10/25/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - Invalid US residency documentation provided.       Reviewer Comment (2021-10-25): Received XXXXX card for both borrowers. Exception Cleared.
 10/25/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $493.00 exceeds tolerance of $440.00 plus 10% or $484.00.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded by $242.00 due to addition of recording fees.  No valid COC provided, cure provided at closing.       Reviewer Comment (2021-08-27): Sufficient Cure Provided At Closing
   08/27/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Asset documentation not provided.       Reviewer Comment (2021-10-20): Asset documentation provided.
 10/20/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.           Reviewer Comment (2021-10-20): Asset documentation provided.
 10/20/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Prior employment verification is not required but the XXXXX W-2 is required and was not provided.       Reviewer Comment (2021-10-28): XXXXX W2 provided.
 10/28/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Closing / Title Missing Document  Missing Document: Rider - Other not provided   Missing XXXXX Licensee Information rider.       Reviewer Comment (2021-09-20): Received Rider -XXXXX Licensee on XX/XX/XXXX. Exception cleared


Seller Comment (2021-09-17): Licensee Information Rider
 09/20/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Missing bank statements ending XXXXX stated in file 1003.       Reviewer Comment (2021-09-20): Calculated assets for closing are more than cash from borrower, hence cleared the exception


Seller Comment (2021-09-17): asset docs
 09/20/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. -         Reviewer Comment (2021-10-06): Statements provided, exception cleared.


Seller Comment (2021-10-05): VOD for XXXXX


Seller Comment (2021-10-05): XXXXX findings call for two months OR a VOD. VOD is provided. Product guides do not required 2 months; they require we followXXXXX and XXXXX.  The VOD meets those requirements


Reviewer Comment (2021-09-29): Provided Doc XXXX has not Statement period available as it has only current date i.e., XX/XX/XXXX, however we required XXXXX month bank statement to show 2 months continuity, exception remains.


Seller Comment (2021-09-28): The statements provided is the most recent and the only required months. Please provide more clarification.


Reviewer Comment (2021-09-22): Received Bank Statements However its already in file require latest bank statements for XXXXX // Account Type: Money Markets / Account Number: XXXXX please Provide hence Exception remains same.


Seller Comment (2021-09-22): XXXXX statements.
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file was missing a copy of the secondary valuation that is required for securitization purposes.       Reviewer Comment (2021-09-27): Received a XXXXX dated XX/XX/XXXX which provided a value of $XXXX a -XX% variance from the appraised value of $XXXX, value supported.
 09/27/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $760.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-09-17): Sufficient Cure Provided At Closing
   09/17/2021   1 A   XX Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-27): Received a XXXXX dated XX/XX/XXXX which provided a value of $XXXX a -XX% variance from the appraised value of $XXXX, value supported.


Reviewer Comment (2021-09-24): Valuation Received - 0XX/XX/XXXX
 09/27/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXXX on page 4; however the annual taxes ($XXXXX) and homeowners insurance ($XXXXX) total are $XXXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXXX monthly, correct amount is $XXXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-11): LOE & PCCD provided as trailing docs


Seller Comment (2021-10-07): PCCD and LOE attached.
   10/11/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $XXXXX of title insurance coverage; however this is less than the loan amount of $XXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-10-04): Document provided XX/XX/XXXX. Exception cleared XX/XX/XXXX.
 10/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-10-06): Final title provided.
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance State Compliance State Defect XXXXX SB 1894 XXXXX Predatory Lending Database Program (SB 1894) - Certificate of Compliance or Exemption not attached to mortgage for recording. Disclosure was not provided in loan file.       Reviewer Comment (2021-10-20): SB 1894 provided . Exception cleared


Seller Comment (2021-10-19): cert of compliance
 10/20/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $500.00 exceeds tolerance of $425.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was  last disclosed as $425 on LE but disclosed as $500 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $75, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-14): Sufficient Cure Provided At Closing
   10/14/2021   1 A   XX Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Verification of Safe Harbor Loan Designation was not provided.       Reviewer Comment (2021-10-27): Loan is SHQM (APOR).


Seller Comment (2021-10-27): XX/XX/XXXX DS: Please waive condition or specify what is needed.
 10/27/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees 2021 Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 4.46941% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXXX on a Federal Total Loan Amount of $XXXXX vs. an allowable total of $30,161.21 (an overage of $14,773.04 or 1.46941%). Loan discount points may be removed with evidence of the undiscounted rate and undiscounted rate price.       Reviewer Comment (2021-10-27): Seller Credit Itemization applied to remaining loan discount points.


Reviewer Comment (2021-10-18): Points & Fees - Client requires .25 minimum rate reduction per point paid to be considered bona fide- calculation: Starting rate is XX% with XX% points paid. Borrower paid XX points to reduce rate to XX%, a XX% rate reduction XX / XX = XX rate reduction per point paid. Client requires .25 minimum rate reduction per point paid to be considered bona fide. Exception remains.


Seller Comment (2021-10-15): $XXXXX of discount fee is excluded due to being paid by seller concessions. See attached QM worksheet and Itemization of seller paid fees as confirmation. Also, par/undiscounted rate is within 2% higher than APOR allowing for another 1% bonafide discount points to be excluded. Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage. This is calculated as:
$XXXXX/ $XXXXX= XX %
 10/27/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,325.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. Appraisal Fee was last disclosed as $700.00 on LE but disclosed as $1,325.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $625.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-22): COC provided as a trailing doc


Seller Comment (2021-11-19): CS XX/XX/XXXX Please review attached Change in Circumstance form for appraisal fee increase from $700 up to $1,325 dated XX/XX, AMC Documentation, and LE disclosing appraisal fee increase from $700 up to $1,325 dated XX/XX. Reason for increase: Upon researching the XXXXX found an appraiser who could submit the order within 8 business days. As they have seen extended turn times in this area due to their workload and availability, the appraiser quoted a fee of $1325 due to a Rush fee.


Seller Comment (2021-11-19): CS XX/XX/XXXX Please review attached Change in Circumstance form for appraisal fee increase from $700 up to $1,325 dated XX/XX/XXXX, XXXXX Documentation, and LE disclosing appraisal fee increase from $700 up to $1,325 dated XX/XX/XXXX. Reason for increase: Upon researching the XXXXX found an appraiser who could submit the order within 8 business days. As they have seen extended turn times in this area due to their workload and availability, the appraiser quoted a fee of $1325 due to a Rush fee.
 11/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-3,498.00. The Final Closing Disclosure reflects Lender Credits which is not the same amount initially disclosed on the Loan Estimate. Missing a valid COC.       Reviewer Comment (2021-10-11): Upon further review, Lender credit of $3498.30 was cured at closing.  However, the remaining 0% tolerance fees are held to 0% tolerance and require additional cure.  The title fees were not disclosed to borrower on Final LE and as such were not shoppable to borrower and held to 0%.


Seller Comment (2021-10-06): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/11/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Settlement / Closing / Escrow Fee.  Fee Amount of $2,550.00 exceeds tolerance of $1,520.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): The LE issued XX/XX/XXXX removed all fees from Section C; however, the Final CD reflected Title Fees The file does not contain a valid COC for this fee, nor evidence of a cure. Provide a PCCD disclosing the tolerance cure this exception, a copy of the refund check, proof of delivery and a copy of the LOE sent to the Borrower disclosing the changes made.


Seller Comment (2021-10-21): I have uploaded the SSPL. Please note, title fees were shopped for and shouldn't be held to a tolerance.


Seller Comment (2021-10-21): SSPL


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Courier / Express Mail / Messenger Fee.  Fee Amount of $90.00 exceeds tolerance of $50.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): The LE issued XX/XX/XXXX removed all fees from Section C; however, the Final CD reflected Title Fees The file does not contain a valid COC for this fee, nor evidence of a cure. Provide a PCCD disclosing the tolerance cure this exception, a copy of the refund check, proof of delivery and a copy of the LOE sent to the Borrower disclosing the changes made.


Seller Comment (2021-10-21): Please note, title fees were shopped for and shouldn't be held to a tolerance and the SSPL has been uploaded.


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Loan Tie-In Fee.  Fee Amount of $500.00 exceeds tolerance of $300.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): The LE issued XX/XX/XXXX removed all fees from Section C; however, the Final CD reflected Title Fees The file does not contain a valid COC for this fee, nor evidence of a cure. Provide a PCCD disclosing the tolerance cure this exception, a copy of the refund check, proof of delivery and a copy of the LOE sent to the Borrower disclosing the changes made.


Seller Comment (2021-10-21): Please note, title fees were shopped for and shouldn't be held to a tolerance and the SSPL has been uploaded.


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Processing Fee.  Fee Amount of $45.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): XXXXX Received SSPL however cure required for the Title - Processing Fee as no title fees were charged on Last revised LE dated XX/XX/XXXX. Please provide cure along with cure documents.


Seller Comment (2021-10-21): SSPL


Seller Comment (2021-10-21): I have uploaded the SSPL. Please note, title fees were shopped for and shouldn't be held to a tolerance.


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $14.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): XXXXX Received SSPL however cure required for the Title - Recording Service Fee as no title fees were charged on Last revised LE dated XX/XX/XXXX. Please provide cure along with cure documents.


Seller Comment (2021-10-21): I have uploaded the SSPL. Please note, title fees were shopped for and shouldn't be held to a tolerance.


Seller Comment (2021-10-21): SSPL


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - SubEscrow Fee.  Fee Amount of $62.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): XXXXX Received SSPL however cure required for the Title - SubEscrow Fee as no title fees were charged on Last revised LE dated XX/XX/XXXX. Please provide cure along with cure documents.


Seller Comment (2021-10-21): SSPL


Seller Comment (2021-10-21): I have uploaded the SSPL. Please note, title fees were shopped for and shouldn't be held to a tolerance.


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): The LE issued XX/XX/XXXX removed all fees from Section C; however, the Final CD reflected Title Fees The file does not contain a valid COC for this fee, nor evidence of a cure. Provide a PCCD disclosing the tolerance cure this exception, a copy of the refund check, proof of delivery and a copy of the LOE sent to the Borrower disclosing the changes made.


Seller Comment (2021-10-21): Please note, title fees were shopped for and shouldn't be held to a tolerance and the SSPL has been uploaded.


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $250.00 exceeds tolerance of $150.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded due to increase of fee. No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.


Reviewer Comment (2021-10-22): The LE issued XX/XX/XXXX removed all fees from Section C; however, the Final CD reflected Title Fees The file does not contain a valid COC for this fee, nor evidence of a cure. Provide a PCCD disclosing the tolerance cure this exception, a copy of the refund check, proof of delivery and a copy of the LOE sent to the Borrower disclosing the changes made.


Seller Comment (2021-10-21): Please note, title fees were shopped for and shouldn't be held to a tolerance and the SSPL has been uploaded.


Reviewer Comment (2021-10-11): XXXXX  Rcvd explanation that , title fees were shopped for and shouldn't be held to a tolerance. Upon further review, we see that the Fees were disclosed in Seec C on initial LE dated XX/XX/XXXX, but were not available on the 2 following revised LEs dated XX/XX/XXXX and 0XX/XX/XXXX because of which the fee are been calculated under Zero Tolerance. Please provide a PCCD disclosing the tolerance cure to include amount, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.


Seller Comment (2021-10-11): Please note on the final CD the cure for the lender credit can be found on pg. 2 section J. In addition, title fees were shopped for and shouldn't be held to a tolerance. Please advise. Thank you.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Archive Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. The LE issued XX/XX/XXXX removed all fees from Section C; however, the Final CD reflected an Archive Fee  for $75. The file does not contain a valid COC for this fee, nor evidence of a cure. Provide a PCCD disclosing the tolerance cure to include $75, a copy of the refund check, proof of delivery and a copy of the LOE sent to the Borrower disclosing the changes made.       Reviewer Comment (2021-10-22): As the fees are listed in section C in a LE, they are considered shoppable.
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Missing fraud report.       Reviewer Comment (2021-09-22): Received Fraud Report in file and updated hence Exception is cleared.
 09/22/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Missing bank statement listed on final 1003 ending XXXXX.  Missing proof of Earnest money deposit.       Reviewer Comment (2021-09-28): Statements and deposit receipt provided


Reviewer Comment (2021-09-28): Received statement for account XXXXX, however only 1 month statement for account # XXXXX  is present in the file.
Please provide latest statement for account # XXXXX.
Hence exception remains.


Reviewer Comment (2021-09-23): EMD, Bank Statement account number received for XXXXX account numberXXXXX. Please provide the same. Hence exception remains.
 09/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $7,169.58 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Loan Discount Points. Fee $XXXXX was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $XXXXX, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-05): XXXXX received COC date 0XX/XX/XXXX and LOE.
 10/05/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Loan program requires AUD findings.       Reviewer Comment (2021-09-22): Received AUS document in file and updated hence Exception is cleared.
 09/22/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS was not provided and is required. Lender to provided the AUS, additional exceptions may apply.       Reviewer Comment (2021-11-30): Received AUS. Exception cleared.


Seller Comment (2021-11-26): AUS


Reviewer Comment (2021-10-26): The DTI is not matching because the 1003 is reflecting rental income on the subject property in the amount of $XXXXX per month.  The loan is a Purchase of a Primary Residence.  Please provide evidence of the rental income or please removed from the 1003. Exception Remains.


Reviewer Comment (2021-10-25): Received duplicate document , Kindly provide updated AUS, Exception Remains


Reviewer Comment (2021-10-20): Required Final AUS with correct ratios, since provided AUS and loan underwriting and transmittal summary(1008) ratios are mismatched. Exception remains
 11/30/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Asset documentation is missing from file.  Unable to determine sufficient assets for closing.       Reviewer Comment (2021-10-28): Funds required to close as per XXXXX is $XXXXX and funds available for closing as per XXXX is $ XXXXX, hence exception cleared.


Reviewer Comment (2021-10-26): The DU and Application reflect a Retirement Account  with XXXXX with balance of $XXXXX.  This account verification is missing from the loan file.


Reviewer Comment (2021-10-25): Still missing retirement account core smart plan document, Exception Remains
 10/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Failure due to missing asset documentation.       Reviewer Comment (2021-10-28): Received bank statement document  on XX/XX/XXXX, Exception Cleared
 10/28/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-10-25): Received Bank statement on XX/XX/XXXX, Exception Cleared
 10/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-10-28): Received bank statement (Retirement Account) document  on XX/XX/XXXX, Exception Cleared


Reviewer Comment (2021-10-26): The DU and Application reflect a Retirement Account  with XXXXX with balance of $XXXXX.  This account verification is missing from the loan file.
 10/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-10-25): Received Bank statement on XX/XX/XXXX, Exception Cleared
 10/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-10-28): Received bank statement (Retirement Account) document  on XX/XX/XXXX, Exception Cleared


Reviewer Comment (2021-10-26): The DU and Application reflect a Retirement Account  with XXXXX with balance of $XXXXX.  This account verification is missing from the loan file.
 10/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-09-30): Received a XXXXX dated XX/XX/XXXX which provided a value of $XXXX, a 0% variance from the appraised value of $XXXX, value supported.
 09/30/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003/Declarations:  F. Are you a co-signer or guarantor on any debt or loan that is not disclosed on this application? reflects Yes.  Missing  documented and/or does not meet guideline requirements. -         Reviewer Comment (2021-10-11): LOE in file, exception cleared.


Seller Comment (2021-10-11): XX/XX/XXXX JH: Please see clarification uploaded, declaration marked in error.
 10/11/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of $XXXXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXXX on page 4; however the HOA dues total $XXXXXper year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXXX monthly, correct amount is $XXXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-11): XXXXX received documentation supporting $XXXXX/yr HOA dues.


Seller Comment (2021-10-06): XX/XX/XXXX JH: Please rescind. HOA information more accurate than appraisal. Documentation from HOA shows annual dues as $XXXXX, which breaks down to $XXXXX per month. Property costs disclosed accurately.
 10/11/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-30): Received a XXXXX dated XX/XX/XXXX which provided a value of $XXXX, a 0% variance from the appraised value of $XXXX, value supported.


Reviewer Comment (2021-09-29): Valuation Received - 0XX/XX/XXXX
 09/30/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,200.00 exceeds tolerance of $900.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $900 on LE but disclosed as $1,200 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-14): Sufficient Cure Provided At Closing
   10/14/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. -         Reviewer Comment (2021-11-01): Received and associated Mortgage Statement dated XX/XX/XXXX and it shows the payment is escrowed , hence no tax or insurance verification required. Exception cleared.


Seller Comment (2021-10-29): XXXXX XX/XX/XXXX KR Please see attached mortgage statement.


Reviewer Comment (2021-10-29): Need Mortgage Statement for the property reflecting the P&I amount and showing whether the P&I amount is escrowed or not. As per the settlement statement (closing statement) dated XX/XX/XXXX, we can only check Taxes and Insurance, but we also need to verify the mortgage payment of $XXXXX, reflecting as per Final 1003. Please provide us with Mortgage Statement or the Closing Disclosure for this property. Exception remains.


Seller Comment (2021-10-28): XXXXX XX/XX/XXXX KR Please rescind or provide additional explanation, evidence of completed payment should not be required. Based on disbursement date of this loan the first payment would not have been due until after our loan disbursed. Settlement statement shows evidence that taxes and insurance are escrowed, therefore qualifying payment is correct.


Reviewer Comment (2021-10-27): Lender provided closing statement reflecting that the loan includes taxes and insurance.  Need verification of complete payment.  Loan application reflects $XXXXX.  CD fromXX/XX/XXXX closing, payment letter or mortgage statement would clear the exception.


Seller Comment (2021-10-26): XXXXX XX/XX/XXXX KR Please rescind due to the fact that the provided settlement statement shows that taxes/insurances are escrowed as indicated under "impounds" on page 1.
 11/01/2021     1 A   XX Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,675.00 exceeds tolerance of $1,000.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $1,000 on LE but disclosed as $1,675 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-19): Sufficient Cure Provided At Closing
   10/19/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Miscellaneous Compliance Missing Non-Required Data Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD.   The payee listed on all of the Closing Disclosure's for the Home Warranty (Optional) is TBD.       Reviewer Comment (2021-10-28): Client requests to waive.
     10/28/2021 2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Miscellaneous Compliance Missing Non-Required Data Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. - ___ The Closing Disclosure's all reflect the payee for the Home Warranty (Optional) fees is TBD.       Reviewer Comment (2021-10-28): Client requests to waive.
     10/28/2021 2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   The File was missing a copy of the fraud report.       Reviewer Comment (2021-09-20): Received Fraud report. Exception cleared.
 09/20/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared       Reviewer Comment (2021-09-21): QM Fee Test Worksheet provided
 09/21/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees 2021 Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.05897% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $XXXXX on a Federal Total Loan Amount of $XXXXXvs. an allowable total of $34,016.86 (an overage of $668.65 or .05897%). Missing undiscounted rate and pricing.       Reviewer Comment (2021-09-21): QM Fee Test Worksheet provided
 09/21/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-11): Received XXXXX Submission summary report Document and Associated. Exception Cleared.


Seller Comment (2021-11-10): SSR


Reviewer Comment (2021-11-08): A copy of secondary valuation or UCDP Submission Summary Report with the Collateral Underwriter Score of less than 2.5 is not received. Hence, exception remains.


Seller Comment (2021-11-05): Score 1
 11/11/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-11-08): Received 3 months consecutive bank statements and meets the assets requirement hence clearing the exception.


Seller Comment (2021-11-05): Assets
 11/08/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Extension Fee.  Fee Amount of $766.96 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Extension Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $766.96, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-16): XXXXX upon further review received valid COC and CD dated XX/XX/XXXX hence no further action required.


Seller Comment (2021-11-15): COC
 11/16/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Per guides: For CLTV >80%, borrower must have the greater of 6mo reserves or reserves determined by DU or LP, missing all assets listed on AUS.       Reviewer Comment (2021-11-08): Received bank statements to cover the reserves requirement hence clearing the exception.


Seller Comment (2021-11-05): Assets
 11/08/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,200.00 exceeds tolerance of $1,100.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $1,100 on LE but disclosed as $1,200 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-09-07): Sufficient Cure Provided At Closing
   09/07/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   Secondary valuation required for securitization was not provided.       Reviewer Comment (2021-10-01): Received XXXXX. Hence, Exception cleared.
 10/01/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - Verification of the Borrowers current Employment not in file.       Reviewer Comment (2021-10-26): Recent VVOE attached . Exception Cleared


Seller Comment (2021-10-25): XX/XX/XXXX BK: Please rescind. Attached is the VVOE.
 10/26/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification of the Borrowers current Employment not in file.       Reviewer Comment (2021-10-26): Recent VVOE attached . Document received Exception Cleared.


Reviewer Comment (2021-10-26): Recent VVOE attached . Exception Cleared


Seller Comment (2021-10-25): XX/XX/XXXX BK: Please rescind. Attached is the VVOE.
 10/26/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   Title Commitment reflects an incorrect Policy Amount, Final Title is not provided.       Reviewer Comment (2022-01-31): Title provided.


Reviewer Comment (2022-01-31): .


Reviewer Comment (2021-10-12): Client elects to waive.
 01/31/2022     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - Please provide two months of bank statements from the most recent months.       Reviewer Comment (2021-10-19): XX/XX/XXXX / Associated updated Bank Statements, cleared exception


Seller Comment (2021-10-18): Please see UW rebuttal: Account with XXXXX dated XX/XX/XXXX, XX/XX/XXXX andXX/XX/XXXX
Account with XXXXX, XXXXX dated XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.  Uploading Assets again that were provided in the closing package.
 10/19/2021     1 A   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. Based on the application date more recent tax returns could have been provided. A XXXXX extension was provided.       Reviewer Comment (2021-10-14): Client elects to waive
     10/14/2021 2 B   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. Based on the application date more recent tax returns could have been provided. A XXXXX extension was provided.       Reviewer Comment (2021-10-14): Client elects to waive
     10/14/2021 2 B   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. Based on the application date more recent tax returns could have been provided. A XXXXX extension was provided.       Reviewer Comment (2021-10-14): Client elects to waive
     10/14/2021 2 B   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. Based on the application date more recent tax returns could have been provided. A XXXXX extension was provided.       Reviewer Comment (2021-10-14): Client elects to waive
     10/14/2021 2 B   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. Based on the application date more recent tax returns could have been provided. A XXXXX extension was provided.       Reviewer Comment (2021-10-14): Client elects to waive
     10/14/2021 2 B   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy. Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___.   The qualifying DTI on the loan is at least 10% less than the guideline maximum.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has verified disposable income of at least $2500.00.		 XX% DTI

XXXXXk (XXmo) in reserves

XXXXXk in residual income		 Aggregator,Owner

Aggregator,Owner

Aggregator,Owner		 Reviewer Comment (2021-11-11): Client elects to waive. Comp factors: XXXXXk (XXXXXmo) in reserves, XX% DTI, and XXXXXk in residual income.
     11/11/2021 2 B   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy. Calculated combined loan to value percentage of ___ exceeds Guideline combined loan to value percentage of ___.   The qualifying DTI on the loan is at least 10% less than the guideline maximum.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has verified disposable income of at least $2500.00.		 XX% DTI

XXXXXk (XXmo) in reserves

XXXXXk in residual income		 Aggregator,Owner

Aggregator,Owner

Aggregator,Owner		 Reviewer Comment (2021-11-11): Client elects to waive. Comp factors: XXXXXk (XXXXXmo) in reserves, XX% DTI, and XXXXXk in residual income.
     11/11/2021 2 B   XX Primary Purchase   C B C B B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $575.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $575 on LE but disclosed as $625 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-09-07): Sufficient Cure Provided At Closing
   09/07/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   The file is missing 1008 or other approval document supporting ratio lender used for approval.       Reviewer Comment (2021-09-16): Received 1008 on XX/XX/XXXX. Exception cleared
 09/16/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation XXXXX Disaster Issue: The most recent valuation inspection is dated prior to the most recent XXXXX disaster.   The subject property is located in a XXXXX Disaster area post-close.  There is no end declared date for the disaster as of yet.   A post-disaster inspection verifying there was no damage to the subject property is required once a declared end date is identified. Disaster Name: XXXX. Disaster Declaration Date: XX/XX/XXXX.       Reviewer Comment (2021-09-16): Received post disaster inspection report on XX/XX/XXXX. Exception cleared
 09/16/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   The 1003 indicates the Borrower is a Non-Permanent Resident, the file was missing a copy of the Verification of Non-Citizen status.       Reviewer Comment (2021-10-06): Cleared: Received formXXXXX for both applicant.


Seller Comment (2021-10-04): Photo IDs
 10/06/2021     1 A   XX Primary Purchase   D B D A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - The 1003 indicates the Borrower is a Non-Permanent Resident, the file was missing a copy of the Verification of Non-Citizen status.       Reviewer Comment (2022-01-25): XXXXX and XXXXX provided.


Reviewer Comment (2022-01-25): Citizenship documentation provided.


Reviewer Comment (2021-10-05): Client elects to waive.
 01/25/2022     1 A   XX Primary Purchase   D B D A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - The 1003 indicates the Borrower is a Non-Permanent Resident, the file was missing a copy of the Verification of Non-Citizen status.       Reviewer Comment (2021-10-08): XXXXX's provided, exception cleared.
 10/08/2021     1 A   XX Primary Purchase   D B D A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide verification of sufficient funds.       Reviewer Comment (2021-10-06): Bank Statements and Gift Letter provided verifying sufficient funds to close.  Exception cleared.
 10/06/2021     1 A   XX Primary Purchase   D B D A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. Initial Escrow Payment at Closing reflected on the Final Closing Disclosure, Page 2 Section G, are paid by the Lender and total $XXXXX, the Initial Escrow Payment from Page 4 is $XXXXX.       Reviewer Comment (2021-10-06): Client elects to waive.
     10/06/2021 2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure D B D A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal is missing.; Sec ID: 1   Every page of the 1004 provided, the top portion is cut-off.  Please provide a copy of the Appraisal which every page is completely legible from top to bottom.       Reviewer Comment (2021-10-06): Complete and legible 1004 is provided.  Exception cleared.
 10/06/2021     1 A   XX Primary Purchase   D B D A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   On the 1004 provided, every page is cut-off at the top making the entire appraisal illegible.  Please provide a complete 1004 with every page totally complete and legible.       Reviewer Comment (2021-10-06): Complete and legible 1004 is provided.  Exception cleared.


Seller Comment (2021-10-04): XXXXX


Seller Comment (2021-10-04): Appraisal
 10/06/2021     1 A   XX Primary Purchase   D B D A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2022-01-31): Final title provided.


Reviewer Comment (2022-01-31): Updating exception to cancelled.


Reviewer Comment (2021-10-08): Received Final Title Policy on XX/XX/XXXX with amount of title insurance coverage. Condition Cleared.
 01/31/2022     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-10-08): Received Final Title Policy on XX/XX/XXXX. Condition Cleared.
 10/08/2021     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Lender Credit Tolerance Violation TILA-RESPA Integrated Disclosure: Zero Percent Tolerance exceeded for Lender Credits. Final Lender Credit of $0.00  is less than amount of binding Lender Credit previously disclosed in the amount of $-1,429.00. Final Lender Credit of $-0.00 is less than amount of binding Lender Credit previously disclosed in the amount of $-1429.00 on the LE dated XX/XX/XXXX. COC dated XX/XX/XXXX did not specify the removal of the Lender Credit.       Reviewer Comment (2021-11-08): XXXXX received additional information on changed circumstance.


Reviewer Comment (2021-11-04): XXXXX received lender rebuttal that lock was modificed due to a program change and a copy of a conversation log.  Unable to determine "why" the program was changed.  Rate had been locked and terms appear to not have changed and cannot determine from conversation log "why" program changed. Changed circumstance is missing additional information to confirm if a valid changed circumstance. Changing investors (or identifying an investor) or changing programs are not considered valid changed circumstances in and of themselves, however, a change in fees due to the selection of a new investor or program based on ineligibility for prior loan programs or terms may be valid changed circumstances. If it can be demonstrated the change in program resulted from borrower ineligibility the decrease in lender credit, the COC would be valid.  Provide additional information to support the program change/investor change.


Reviewer Comment (2021-10-29): VCC dated XX/XX/XX is vague and uninformative.  Please provide details on change reason and change reason received date to complete testing.
 11/08/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI Difference from lender due to REO investment property for XXXXX St reflected net monthly income of -$XXXXX.  PITIA is calculated as : I/O payment $XXXXX monthly insurance $XXXXX, monthly Taxes $XXXXX total $XXXXX payment.
2020 Schedule E provided breakdown rent as:
Gross $XXXXX
Expenses: -$XXXXX
Deprecation +$XXXXX
Insurance:  + $XXXXX
Total -$XXXXX / 12 = -$XXXXX + ITI -$XXXXX would be a loss of -$XXXXX which in the case was not included as the loss is greater than the payment.
Rental income calculation is not supported.		       Reviewer Comment (2021-10-13): Included the gross rents into schedule E rental calculation due to being a 2 unit property and decreased DTI which documentation supports.


Seller Comment (2021-10-12): XX/XX/XXXX DS: Unit 1 is primary conversion, unit 2 on tax returns. used returns for unit 2, unit 1 took lease (XXXXX) times vacancy factor (.75) x 12 =XXXXX, added to total rents received from returns (XXXXX) = XXXXX. See attached lease and 1040s.
 10/13/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been cured/cleared.       Reviewer Comment (2021-10-15): Loan is SHQM (APOR).


Seller Comment (2021-10-14): XX/XX/XXXXDS: Please see attached executed 4506C and DU guideline which states the 4506C is acceptable in lieu of executed returns and transcripts.


Reviewer Comment (2021-10-13): DTI has been updated, however ,new stip added for signed XXXXX 1040s due to the use of rental income from the 1040s.


Seller Comment (2021-10-12): XX/XX/XXXX DS: Unit 1 is primary conversion, unit 2 on tax returns. used returns for unit 2, unit 1 took lease (XXXXX) times vacancy factor (.75) x 12 =XXXXX, added to total rents received from returns (XXXXX) = XXXXX. See attached lease and 1040s.
 10/15/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) DTI Difference from lender due to REO investment property for XXXXX St reflected net monthly income of -$XXXXX.  PITIA is calculated as : I/O payment $XXXXX monthly insurance $XXXXX, monthly Taxes $XXXXX total $XXXXX payment.
2020 Schedule E provided breakdown rent as:
Gross $XXXXX
Expenses: -$XXXXX
Deprecation +$XXXXX
Insurance:  + $XXXXX
Total -$XXXXX / 12 = -$XXXXX + ITI -$XXXXX would be a loss of -$XXXXX which in the case was not included as the loss is greater than the payment.
Rental income calculation is not supported.		       Reviewer Comment (2021-10-13): Included the gross rents into schedule E rental calculation due to being a 2 unit property and decreased DTI which documentation supports.


Seller Comment (2021-10-12): XX/XX/XXXX DS: Unit 1 is primary conversion, unit 2 on tax returns. used returns for unit 2, unit 1 took lease (XXXXX) times vacancy factor (.75) x 12 =XXXXX, added to total rents received from returns (XXXXX) = XXXXX. See attached lease and 1040s.
 10/13/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. This loan is a QM Risk due to the DTI exceeding XX%.       Reviewer Comment (2021-10-13): Included the gross rents into schedule E rental calculation due to being a 2 unit property and decreased DTI which documentation supports.


Seller Comment (2021-10-12): XX/XX/XXXX DS: Unit 1 is primary conversion, unit 2 on tax returns. used returns for unit 2, unit 1 took lease (XXXXX) times vacancy factor (.75) x 12 =XXXXX, added to total rents received from returns (XXXXX) = XXXXX. See attached lease and 1040s.
 10/13/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation.  Fee Amount of $12,058.66 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Loan Originator Compensation Fee was not disclosed on Initial Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $50.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-13): COC provided. Exception cleared.


Seller Comment (2021-10-07): SH XX/XX/XXXX: A COC was submitted on XX/XX/XXXX to change from Lender Paid Compensation to Borrower Paid Compensation. This was redisclosed to the borrower on the LE dated XX/XX/XXXX when the COC was approved. No tolerance cure is required.
 10/13/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Reconciliation Property - Appraisal Appraisal is required to be in name of Lender - The lender on the Note is XXXXX and the appraisal is in the name of the Broker: XXXXX       Reviewer Comment (2021-10-12): Client elects to waive.
     10/12/2021 2 B   XX Primary Purchase   C B A A C A B B Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.           Reviewer Comment (2021-10-27): The provided asset has sufficient funds to closed the file. Exception cleared


Seller Comment (2021-10-26): XXXXX XX/XX/XXXX KR Please rescind or provide additional information due to the fact that our borrower has enough qualifying assets. The asset statement endingXX/XX/XXXX shows a value of $XXXXX, less the two EMD's equates to $XXXXX in funds to close. Additionally the closing disclosure shows we only need $XXXXX from our borrower.
 10/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $710.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $710 on LE but disclosed as $1500 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $1,18.23 was provided at closing.       Reviewer Comment (2021-10-19): Sufficient Cure Provided At Closing
   10/19/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $125.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was not disclosed on LE but disclosed as $125 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $1,18.23 was provided at closing.       Reviewer Comment (2021-10-19): Sufficient Cure Provided At Closing
   10/19/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,644.23 exceeds tolerance of $3,041.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer Tax was last disclosed as $3041.00 on LE but disclosed as $3,644.23 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $1,18.23 was provided at closing.       Reviewer Comment (2021-10-19): Sufficient Cure Provided At Closing
   10/19/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2           Reviewer Comment (2021-10-21): Desk review provided.
 10/21/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation XXXXX Disaster Issue: Property is located in a XXXXX Disaster area and has not been inspected.   The property is located in a XXXXX disaster area.  Provide a post-disaster inspection verifying there was no damage.  The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XXXX declared end date.       Reviewer Comment (2021-10-27): Document provided XX/XX/XXXX.


Seller Comment (2021-10-26): XX/XX/XXXX DS: See attached appraisal.
 10/27/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal is missing.; Sec ID: 1           Reviewer Comment (2021-10-27): Received Appraisal on XX/XX/XXXX, Exception Cleared


Seller Comment (2021-10-26): XX/XX/XXXX DS: See attached appraisal.
 10/27/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-04): Received XXXXX dated XX/XX/XXXX with the value of $XXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.
 11/04/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $126.00 exceeds tolerance of $84.00 plus 10% or $92.40.  Sufficient or excess cure was provided to the borrower at Closing. Ten Percent Fee Tolerance exceeded. Total amount of $126.00 exceeds tolerance of $84.00 plus 10% or $92.40.  Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-10-11): Sufficient Cure Provided At Closing
   10/11/2021   1 A   XX Primary Purchase Final CD evidences Cure D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   Missing appraisal.       Reviewer Comment (2021-10-27): Received Appraisal  on XX/XX/XXXX, Exception Cleared


Seller Comment (2021-10-26): XX/XX/XXXX DS: See attached appraisal.
 10/27/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-11-04): Received XXXXX dated XX/XX/XXXX with the value of $XXXX which gives variance of 0.00% from the appraised value. Hence, exception cleared.


Reviewer Comment (2021-11-03): Valuation Received - XX/XX/XXXX
 11/04/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - Borrower's are Non Perm Residents; documentation not provided.       Reviewer Comment (2022-01-25): Documenation received.


Reviewer Comment (2022-01-25): RE-opened to clear, documentation received.


Reviewer Comment (2021-10-05): Client elects to waive.
 01/25/2022     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit TRID Document Error TRID Gift Funds reflected on the CD, however supporting documentation was not found in file. - Gift funds of $XXXXXK reflected on final CD; documentation not provided.       Reviewer Comment (2021-10-06): Gift documentation provided.


Seller Comment (2021-10-05): Gift docs
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Asset documentation not provided.       Reviewer Comment (2021-10-06): Asset documentation provided.


Seller Comment (2021-10-05): asset docs
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Per guidelines AUS required; copy not provided.       Reviewer Comment (2021-10-06): Received AUS. Exception Cleared.


Seller Comment (2021-10-05): AUS
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Eligibility Asset Asset Verification Level is less than 4. - Full evidence of EMD in the amount of $XXXXX not provided; please provide bank statement showing checked cleared.       Reviewer Comment (2021-10-06): Asset documentation provided.


Seller Comment (2021-10-05): Asset docs
 10/06/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Bank Statements - Personal not provided   Missing Documentation: Assets       Reviewer Comment (2021-10-25): Received bank statement on XX/XX/XXXX, Exception Cleared
 10/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Missing Document: Gift Letter not provided   Missing Documentation: Assets       Reviewer Comment (2021-10-25): Received Gift letter on XX/XX/XXXX, Exception Cleared
 10/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Missing Documentation: Assets       Reviewer Comment (2021-10-28): Received Retirement account statement fromXXXXX , verified balance and associated the same.AS per XXXXX , Funds required to close is $XXXXX and we have amount available for closing as per clarity is $XXXXX. Hence exception cleared,


Reviewer Comment (2021-10-26): As per Final 1003, we have Retirement Funds from XXXXX (401K account). We require most recent 2 months bank statements from Retirement account. Exception remains.
 10/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - Missing Documentation: US Citizenship       Reviewer Comment (2021-10-25): Received XXXXX document on XX/XX/XXXX, Exception Cleared
 10/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   Missing Documentation: Fraud Report       Reviewer Comment (2021-10-25): Received Fraud Report document on XX/XX/XXXX, Exception Cleared
 10/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Missing Documentation: Non-US Citizenship Status       Reviewer Comment (2021-10-25): Received XXXXX document on XX/XX/XXXX, Exception Cleared
 10/25/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,119.00 exceeds tolerance of $1,664.00 plus 10% or $1,830.40.  Insufficient or no cure was provided to the borrower. Finance Charge disclosed is $1830.40  Calculated finance charge is $2119.00  Variance of $$288.00.  Based on review of Lender's compliance report, $288.00 fee was not included in finance charge calculation. TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.       Reviewer Comment (2021-11-11): Sufficient cure was provided at closing.


Seller Comment (2021-11-11): The title admin fee $75 - borrower can shopped for and shouldn't be held to a tolerance cure. The final CD had a cure  on page 2 for the tax service fee and increase of title fee $90.60. Also need to ask the investor what fees are included for the finance charge.


Reviewer Comment (2021-10-26): Response regarding assets did not apply to the TRID Exception. No additional trailing docs provided to clear/cure; exception remains


Seller Comment (2021-10-24): Uploaded comment from PC U/W to Investor m there is $XXXXXm XX/XX/XXXX in accounts XXXXXK in earnest money XXXXX K cash to close enough funds for reserves
 11/11/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $16.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Tax service fee was last disclosed as $0.00 on LE but disclosed as $16.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-11-11): Sufficient cure was provided at closing.
 11/11/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Missing all assets per AUS.       Reviewer Comment (2021-10-28): XX/XX/XXXX / Reserves Determined ByXXXXX


Seller Comment (2021-10-27): Per U/W , six months reserves are required per program guides $XXXXX Funds to close $XXXXX for a total of $XXXXX
 10/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,119.00 exceeds tolerance of $1,914.00 plus 10% or $2,105.40.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure was provided at closing.       Reviewer Comment (2021-11-11): Sufficient Cure Provided At Closing
   11/11/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Tax Service Fee (Life Of Loan).  Fee Amount of $16.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure was provided at closing.       Reviewer Comment (2021-11-11): Sufficient Cure Provided At Closing
   11/11/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-09-30): Received a XXXXX dated XX/XX/XXXX which provided a value of $XXXX, a 0% variance from the appraised value of $XXXX, value supported.
 09/30/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Guideline Missing Document: Asset not provided   Final Closing Statement/CD or Note from simultaneous refinance of XXXXX was not provided.       Reviewer Comment (2021-10-07): Final CD from simultaneous refinance provided


Seller Comment (2021-10-06): XX/XX/XXXX AMB: Please rescind.  Please see the attached documentation showing the final CD from the refinance of the property at XXXXX showing the cash-out proceeds to the borrower.
 10/07/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Eligibility Asset Asset Verification Level is less than 4. - Final Closing Statement/CD or Note from simultaneous refinance of XXXXX was not provided.       Reviewer Comment (2021-10-07): Final CD from simultaneous refinance provided


Seller Comment (2021-10-06): XX/XX/XXXX AMB: Please rescind.  Please see the attached documentation showing the final CD from the refinance of the property at XXXXX showing the cash-out proceeds to the borrower.
 10/07/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-09-30): Received a XXXXX dated XX/XX/XXXX which provided a value of $XXXX, a 0% variance from the appraised value of $XXXX, value supported.


Reviewer Comment (2021-09-30): Valuation Received - 0XX/XX/XXXX
 09/30/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   No secondary valuation in file       Reviewer Comment (2021-11-05): Desk review provided.
 11/05/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - Statement received is dated XXXXX - XXXXX and missing most recent consecutive statement that supports balance used to qualify and 60 day seasoning.       Reviewer Comment (2021-11-11): As per guidelines XXXXX, we only need the most recent monthly statement for stocks and mutual funds. Received 1 month statement from  XXXX .Hence  Exception cleared.


Seller Comment (2021-11-10): XX/XX/XXXX BK: Per XXXXX, we only need the most recent monthly statement for stocks and mutual funds. XXXXX is a stocks account, and therefore, even if used for funds, we would only need 1 month.


Reviewer Comment (2021-11-08): Provide additional 1 month bank statement from XXXXX with statement period from XX/XX/XXXX to XX/XX/XXXX .As Per guidelines The statements must cover the most recent full two-month period of account activity (60 days, or, if account information is reported on a quarterly basis, the most recent quarter).  Provide most recent consecutive statement. Final 1003 and 1008 reflects this account. Hence Exception remains.


Seller Comment (2021-11-05): XX/XX/XXXX BK: As per guidelines, if the assets are not being used for closing, we do not need 2 months of assets statements. Without the XXXXX funds we have excessive funds of 15k. The XXXXX funds were not needed and have been removed from our system. Second month of XXXXX Statement is not needed. Please remove the exception.


Reviewer Comment (2021-11-04): As per guideline its required two month consecutive bank statement  for the account XXXXX, Kindly provide the required documents and Exception Remains


Seller Comment (2021-11-03): XX/XX/XXXX BK: XXXXX funds were not needed for funds, therefore no statements for XXXXX were required. We do not need the second month statement. Please rescind. 2 months are only required if funds are needed for closing.


Reviewer Comment (2021-10-27): Per guidelines The statements must cover the most recent full two-month period of account activity (60 days, or, if account information is reported on a quarterly basis, the most recent quarter).  Provide most recent consecutive statement. Exception remains.


Seller Comment (2021-10-26): XX/XX/XXXX BK: Please rescind. Robinhood funds were not needed for funds to close and have been deleted out of our system.
 11/11/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,450.00 exceeds tolerance of $800.00.  Insufficient or no cure was provided to the borrower. Fee was last disclosed as $800.00 on LE but disclosed as $1,450.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing in the amount of $650.00.       Reviewer Comment (2021-11-16): XXXXX received clarification from Seller, sufficient cure for Appraisal Fee is provided at closing.


Seller Comment (2021-11-15): Please see attached final settlement statement showing that the borrower received the $650.00 tolerance credit for the appraisal fee tolerance violation.


Reviewer Comment (2021-10-26): XXXXX upon further review exception will be clear once confirmation received for all tolerance Cures.


Seller Comment (2021-10-25): Disagree: Reinspection fee/Final Inspection was requested by the UW via a condition on XX/XX/XXXX due to receiving the appraisal  onXX/XX/XXXX and the property being subject to repairs or alterations. On XX/XX/XXXX, 2 Change in Circumstance request were made to add/updated the reinspection fee. The first one was submitted internally by the UW for the average amount of the final inspection $200. This was redisclosed on XX/XX/XXXX to the borrower with the fee being $200. The second Change in Circumstance was from the broker for the amount of $300.00 which ended up being the actually cost of final inspection. This was also redisclosed to the borrower on XX/XX/XXXX. Please note we do not count Saturday or Sunday for re-disclosures. Please see attached Change Of Circumstance forms from XX/XX/XXXX, Closing Disclosures for re-disclosure's on XX/XX/XXXX and XX/XX/XXXX, Pg.5 of the Appraisal submitted on XX/XX/XXXX, and Screenshot of Condition created by the UW on XX/XX/XXXX for Final Inspection.


Reviewer Comment (2021-10-21): While a $650 cure was provided at closing, the total Zero Percent Tolerance is $950 and was therefore not applied to offset this single exception. Once the Reinspection fee is cleared, this exception will be updated; exception remains


Seller Comment (2021-10-20): Please see attached Final Closing Disclosure and tolerance breakdown that show a credit was given to the borrower at closing in the form of a tolerance in the amount of $650.00 in section J  on the Closing Disclosure for the Appraisal fee.
 11/16/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Reinspection Fee of $200 was added on XX/XX/XXXX (no COC) and was later increased to $300 (XX/XX/XXXX) with no COC or cure; Provide Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD       Reviewer Comment (2021-11-18): XXXXX  Received LOE for  increase in Fee therefore no cure required.


Seller Comment (2021-11-17): Please review attached Change in Circumstance form for final inspection fee increase from $200 up to $300 dated  XX/XX/XXXX, XXXXX  Documentation, and CD disclosing final inspection fee increase from $200 up to $300 dated  XX/XX/XXXX. Reason for increase: Upon researching the XXXXX found an appraiser who could submit the order within the timeframe needed for closing. As they have seen extended turn times in this area due to their workload and availability, the appraiser quoted a fee of $300 due to extra complexity. Appraiser's reason for increase on this 1004D Final Inspection is due to the location being near/around the lake, there are windy roads around the property complicating the re-inspection and driving around the lake consumes more of the appraiser's time.


Reviewer Comment (2021-10-26): COC for Reinspection Fee $100 increase is not considered valid; Provide corrected PCCD, LOE to the Borrower along with $100 check and proof of delivery; exception remains


Seller Comment (2021-10-25): Given the current environment with the appraisal business, locating appraisers who can deliver within timeframe has been challenging.  The CofC was submitted and approved, an invoice was provided and the change disclosed to the borrower, in compliance with TRID.


Reviewer Comment (2021-10-22): COC does not provided explanation for the higher fee or Appraiser documentation to support the increase; exception remains


Seller Comment (2021-10-21): Please review attached Change in Circumstance form for final inspection fee increase from $200 up to $300 dated XX/XX/XXXX, XXXXX Documentation, and CD disclosing final inspection fee increase from $200 up to $300 dated XX/XX/XXXX. Reason for increase: Upon researching the XXXXX found an appraiser who could submit the order within the timeframe needed for closing. As they have seen extended turn times in this area due to their workload and availability, the appraiser quoted a fee of $300
 11/18/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-11-03): Received the XXXXX document, associated and cleared the exception.


Reviewer Comment (2021-11-02): Valuation Received - XX/XX/XXXX
 11/03/2021     1 A   XX Primary Purchase   D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,450.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-11-18): Sufficient Cure Provided At Closing
   11/18/2021   1 A   XX Primary Purchase Final CD evidences Cure D A C A C A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $XXXXX of title insurance coverage; however this is less than the loan amount of $XXXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-11-09): Client elects to waive
     11/09/2021 2 B   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $XXXXX of title insurance coverage; however this is less than the loan amount of $XXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-11-11): Exception cleared.


Seller Comment (2021-11-11): Final Title Policy uploaded.
 11/11/2021     1 A   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-11-11): Exception cleared.
 11/11/2021     1 A   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $413.00 exceeds tolerance of $347.00 plus 10% or $381.70.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded by $31.30 due to recording fee.  No valid COC provided, cure provided at closing.       Reviewer Comment (2021-11-03): Sufficient Cure Provided At Closing
   11/03/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $275.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Re-Inspection Fee was last disclosed as $200 on LE but disclosed as $275 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-11-03): Sufficient Cure Provided At Closing
   11/03/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2022-01-31): Final title provided.


Reviewer Comment (2022-01-31): Updating exception to cancelled.


Reviewer Comment (2021-11-09): Client elects to waive


Seller Comment (2021-11-08): Please see updated title with policy insurance amount.
 01/31/2022     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2022-01-31): Final title provided.
 01/31/2022     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXXX on page 4; however the HOA dues total $XXXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXXX monthly, correct amount is $XXXXX, Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-06): XXXXX received Letter of Explanation & Corrected Closing Disclosure.


Seller Comment (2021-10-05): Please see attached.


Reviewer Comment (2021-10-05): A Notice of Loan Change is not considered an explanation letter to the Borrower notifying them of the specific changes made to the CD and reason thereof; exception remains as this LOE was not provided


Reviewer Comment (2021-09-30): XXXXX received PCCD.  LOE to consumer still required to complete cure.  Please provide copy of LOE to complete testing.
   10/06/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - Prior employment verification was not provided.       Reviewer Comment (2021-11-02): XX/XX/XXXX:  Documentation has been provided. Is not required 10 days prior to Note date.


Reviewer Comment (2021-10-20): Previous employment dates have not been verified.
 11/02/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Previous employment  verification was not provided.       Reviewer Comment (2021-11-02): XX/XX/XXXX:  Documentation has been provided. Is not required 10 days prior to Note date.


Reviewer Comment (2021-10-20): Previous employment dates have not been verified.
 11/02/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Prior employment verification was not provided.       Reviewer Comment (2021-11-02): XX/XX/XXXX:  Documentation has been provided. Is not required 10 days prior to Note date.


Reviewer Comment (2021-10-20): Previous employment dates have not been verified.
 11/02/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,050.00 exceeds tolerance of $850.00.  Insufficient or no cure was provided to the borrower. Appraisal Fee was  last disclosed as $850.00 on LE but disclosed as $1050.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.       Reviewer Comment (2021-11-01): "Sufficient cure was provided at closing.


Seller Comment (2021-10-29): Appraisal cure for $200.00 was given to the borrower in section J.
 11/01/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $4,022.35 exceeds tolerance of $4,021.00.  Insufficient or no cure was provided to the borrower. Transfer tax Fee was  last disclosed as $4021.00 on LE but disclosed as $4022.35 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.       Reviewer Comment (2021-11-08): XXXXX received PCCD, LOE, Proof of delivery & refund check.


Seller Comment (2021-11-08): PCCD


Seller Comment (2021-11-08): PCCD attached


Reviewer Comment (2021-11-01): XXXXX received PCCD,LOE, Proof of Mailing and copy of refund check but the PCCD dated XX/XX/XXXX does not reflect cure of $1.35 the cure which is reflecting in XX/XX/XXXX PCCD of $200 was already provided at closing for appraisal fees. Please provided corrected PCCD where cure of $1.35 is reflecting.


Seller Comment (2021-10-29): See attached PCCD, copy of the check and proof of delivery.


Seller Comment (2021-10-29): PCCD, Check, and proof of delivery attached
   11/08/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-10-12): XXXXX dated XX/XX/XXXX with 0% variance from the appraised value received. Exception cleared
 10/12/2021     1 A   XX Primary Purchase   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $660.00 exceeds tolerance of $575.00.  Insufficient or no cure was provided to the borrower. Fee was last disclosed as $575.00 on LE but disclosed as $660.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-28): XXXXX received Corrected PCCD, Letter of Explanation, Proof of Delivery, Copy of Refund Check


Seller Comment (2021-10-28): See attached check refund to the borrower for $XXXXX, PCCD, LOE, and FedEx label


Reviewer Comment (2021-10-11): Fee was disclosed on LE in the amount of $%575.00 and increased on CD issued on XX/XX/XXXX file is missing a valid COC or cure of $85.00. Exception remains.


Seller Comment (2021-10-01): SH XX/XX/XXXX:  Please see attached SPL and Final CD. The SPL shows the only title provider as XXXXX while the borrower selected to use XXXXX. Due to this, the final CD shows all Title fees in Section C as no tolerance fees. No tolerance cure is required.


Reviewer Comment (2021-09-30): XXXXX upon further review the Title fees were disclosed under section B on latest LE and therefore Title - Abstarct / Title Search fee comes under zero percent tolerance, Please provide valid COC for the fee increased on CD dated XX/XX/XXXX or provide cure documents in order to cure the exception.


Seller Comment (2021-09-30): SH XX/XX/XXXX: The cited Title - Abstract/Title Search fee is not subject to 0% tolerance as the title fees are put into the no tolerance bucket due to the selected provider not being on the SPL provided to the borrower. No tolerance cure would be required.
   10/28/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-10-12): XXXXX dated XX/XX/XXXX with 0% variance from the appraised value received. Exception cleared


Reviewer Comment (2021-10-11): Valuation Received - XX/XX/XXXX
 10/12/2021     1 A   XX Primary Purchase   D B A A C B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance Missing Disclosure Notice of Special Flood Hazard Disclosure Not Provided Timely XXXXX Notification Rule: Creditor did not provide a Notice of Special Flood Hazard Disclosure within a reasonable time prior to closing. Creditor provided the Notice of special Flood Hazard on XX/XX/XXXX same day as Closing.       Reviewer Comment (2021-11-10): Client elects to waive.


Reviewer Comment (2021-11-05): Received Notice of special Flood Hazard on XX/XX/XXXX but which is not sign and dated, Please provide the sign and dated document. Exception Remains


Seller Comment (2021-11-04): see attached Flood notice provided on XX/XX.XXXX to borrowers. See also TRID disclosure history confirming delivery to borrower
     11/10/2021 2 B   XX Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-05): Desk review provided.
 11/05/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-11-03): Received the XXXXX document, associated and cleared the exception.


Reviewer Comment (2021-11-01): Valuation Received - XX/XX/XXXX
 11/03/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - The Mortgage Statement was not found in the file for the property located at XXXXX Lane.       Reviewer Comment (2021-10-26): Received Supplemental report confirming P&I and Tax and Insurance confirmed from provided documentation. Exception Cleared.


Seller Comment (2021-10-25): XX/XX/XXXX BK: Please rescind. Attached is the previously provided credit supplement showing that XXXXX bank mortgage history.
 10/26/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Second Appraisal Fee.  Fee Amount of $165.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was not disclosed on LE but disclosed as $165 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $165 was provided at closing.       Reviewer Comment (2021-11-29): Sufficient Cure Provided At Closing
   11/29/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $73.72 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit Report Fee was last disclosed as $60 on LE but disclosed as $73.72 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $13.72 was provided at closing.       Reviewer Comment (2021-11-29): Sufficient Cure Provided At Closing
   11/29/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Property - Appraisal Valuation Error: APN Number not provided. - The File was scanned with missing appraisal information.  Tops of pages are missing on images provided.       Reviewer Comment (2021-10-12): Exception cleared
 10/12/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide bank statements/asset documentation.       Reviewer Comment (2021-10-12): Exception cleared
 10/12/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS findings are required for GS QM AUS program.  AUS findings were not provided in loan file.       Reviewer Comment (2021-10-12): Exception cleared
 10/12/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XXXX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Missing E Consent from XX/XX/XXXX.       Reviewer Comment (2021-11-11): Exception clear.


Seller Comment (2021-11-11): I have uploaded the econsent XX/XX/XXXX


Seller Comment (2021-11-11): I have uploaded the econsent dated XX/XX/XXXX
 11/11/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,150.00 exceeds tolerance of $705.00.  Sufficient or excess cure was provided to the borrower at Closing. Second Appraisal Fee was last disclosed as $705.00 on LE but disclosed as $1,150.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-26): Sufficient Cure Provided At Closing
   10/26/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. The signed XX/XX/XXXX Closing Disclosure reflected loan will not have an escrow.       Reviewer Comment (2021-11-16): XXXXX received Corrected CD and LOE to borrower with corrected page 4 costs.


Seller Comment (2021-11-12): XX/XX/XXXX JH: All CDs have been provided. This upload is the corrected CD with escrow noted on page 1 and page 4 with the letter sent by the correspondent lender. XXXXX does not need to send a corrected CD because this has already been sent to the borrower. Please clear this exception.


Reviewer Comment (2021-11-10): XXXXX received XX/XX/XXXX CD again and lender states Final CD.  However, the notary date and closing date on this transaction of XX/XX/XXXX and there is a CD issued XX/XX/XXXXthat is signed by borrowers on XX/XX/XXXX which is considered the Final CD.  This document is found doc ID 0040.  As previously stated, page 4 does not have the escrow account section completed but only the no Escrow account information completed which does not reflect the escrowed costs.  Please provide a Corrected CD and LOE to borrower correcting page 4.


Seller Comment (2021-11-08): XX/XX/XXXX JH: The final CD signed by the borrower with all data entered correctly. Please clear this exception.


Seller Comment (2021-11-08): Final CD


Reviewer Comment (2021-11-03): XXXXX received XX/XX/XXXX Initial CD and LOE to borrower.  However the Final CD is dated XX/XX/XXXX and there are no other Corrected CD's in file.  The XX/XX/XXXX Final CD reflects that property taxes and homeowner insurance are included in escrow and matches to page 2 section G for reserve collected, however Page 4 only reflects figure in No Escrow section.  The Escrow Account section should be completed and match to escrowed and non-escrowed costs.  Corrected CD & LOE to borrower.


Seller Comment (2021-11-02): XX/XX/XXXX JH: Please see LOE from correspondent lender and accurate CD


Reviewer Comment (2021-10-27): LOE refers to update, but no updated CD provided; trailing CD was issued XX/XX/XXXX and signed same day; exception remains


Seller Comment (2021-10-26): XX/XX/XXXX JH: Please see a letter stating the required corrections with the updated CD
 11/16/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. The signed XX/XX/XXXX Closing Disclosure reflected loan will not have an escrow.       Reviewer Comment (2021-11-16): XXXXX received Corrected CD and LOE to borrower with corrected page 4 costs.


Seller Comment (2021-11-12): CD


Seller Comment (2021-11-12): XX/XX/XXXX JH: All CDs have been provided. This upload is the corrected CD with escrow noted on page 1 and page 4 with the letter sent by the correspondent lender. XXXXX does not need to send a corrected CD because this has already been sent to the borrower. Please clear this exception.


Reviewer Comment (2021-11-10): XXXXX received XX/XX/XXXX CD again and lender states Final CD.  However, the notary date and closing date on this transaction of XX/XX/XXXX and there is a CD issued XX/XX/XXXXthat is signed by borrowers on XX/XX/XXXX which is considered the Final CD.  This document is found doc ID 0040.  As previously stated, page 4 does not have the escrow account section completed but only the no Escrow account information completed which does not reflect the escrowed costs.  Please provide a Corrected CD and LOE to borrower correcting page 4.


Seller Comment (2021-11-08): XX/XX/XXXXJH: The final CD signed by the borrower with all data entered correctly. Please clear this exception.


Reviewer Comment (2021-11-03): XXXXX received XX/XX/XXXXInitial CD and LOE to borrower.  However the Final CD is dated XX/XX/XXXX and there are no other Corrected CD's in file.  The XX/XX/XXXX Final CD reflects that property taxes and homeowner insurance are included in escrow and matches to page 2 section G for reserve collected, however Page 4 only reflects figure in No Escrow section.  The Escrow Account section should be completed and match to escrowed and non-escrowed costs.  Corrected CD & LOE to borrower.


Seller Comment (2021-11-02): XX/XX/XXXX JH: Please see LOE from correspondent lender and accurate CD


Reviewer Comment (2021-10-27): LOE refers to update, but no updated CD provided; trailing CD was issued XX/XX/XXXX and signed same day; exception remains


Seller Comment (2021-10-26): XX/XX/XXXX JH: Please see a letter stating the required corrections with the updated CD
 11/16/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Seller Closing Disclosure Fees seller paid fees do not match Consumer's Final CD TILA-RESPA Integrated Disclosure: the Seller's final CD total seller paid fee amounts do not match the values used for compliance testing. TRID non-compliant.  Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.       Reviewer Comment (2021-11-16): XXXXX received Corrected CD and LOE to borrower with corrected page 4 costs.
 11/16/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Document Preparation Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-10-08): Sufficient Cure Provided At Closing
   10/08/2021   1 A   XX Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. The signed XX/XX/XXXX Closing Disclosure reflects $XXXXX which is baes solely on HOA monthly fee of $XXXXX.       Reviewer Comment (2021-11-16): XXXXX received Corrected CD and LOE to borrower with corrected page 4 costs.


Seller Comment (2021-11-12): XX/XX/XXXX JH: All CDs have been provided. This upload is the corrected CD with escrow noted on page 1 and page 4 with the letter sent by the correspondent lender. XXXXX does not need to send a corrected CD because this has already been sent to the borrower. Please clear this exception.


Reviewer Comment (2021-11-10): XXXXX received XX/XX/XXXX CD again and lender states Final CD.  However, the notary date and closing date on this transaction of XX/XX/XXXX and there is a CD issued XX/XX/XXXXthat is signed by borrowers on XX/XX/XXXX which is considered the Final CD.  This document is found doc ID XX.  As previously stated, page 4 does not have the escrow account section completed but only the no Escrow account information completed which does not reflect the escrowed costs.  Please provide a Corrected CD and LOE to borrower correcting page 4.


Seller Comment (2021-11-08): XX/XX/XXXX JH: The final CD signed by the borrower with all data entered correctly. Please clear this exception.


Reviewer Comment (2021-11-03): XXXXX received XX/XX/XXXXInitial CD and LOE to borrower.  However the Final CD is dated XX/XX/XXXX and there are no other Corrected CD's in file.  The XX/XX/XXXXFinal CD reflects that property taxes and homeowner insurance are included in escrow and matches to page 2 section G for reserve collected, however Page 4 only reflects figure in No Escrow section.  The Escrow Account section should be completed and match to escrowed and non-escrowed costs.  Corrected CD & LOE to borrower.


Seller Comment (2021-11-02): XX/XX/XXXX JH: Please see LOE from correspondent lender and accurate CD


Reviewer Comment (2021-10-27): LOE refers to update, but no updated CD provided; trailing CD was issued XX/XX/XXXX and signed same day; exception remains


Seller Comment (2021-10-26): XX/XX/XXXX JH: Please see a letter stating the required corrections with the updated CD
 11/16/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of $XXXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. XXXXX received Corrected CD and LOE to borrower with corrected page 4 costs.       Reviewer Comment (2021-11-29): PCCD & LOE provided as trailing docs


Seller Comment (2021-11-24): Please see attached


Reviewer Comment (2021-11-16): XXXXX received Corrected CD and LOE to borrower.  The total disclosed on page four of CD for escrowed cost is $XXXXX which is XXXXX months of page 1 monthly escrowed of $XXXXX. The documentation indicates the total should be $XXXXX/year.  (12 months). The acceptable amounts are 10,11, or 12 months. The allowable tolerance for the escrow account fields is $1 for underdisclosuare and no penalty for overdisclosure however the amount cannot exceed 12 months of calculated costs or less than 9 months.  Letter of Explanation and Corrected CD required to cure.
   11/29/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. XXXXX Tax Return Extension filed       Reviewer Comment (2021-10-06): Client elects to waive.
     10/06/2021 2 B   XX Primary Purchase   B B A A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Failure due to missing documentation.       Reviewer Comment (2021-10-22): XX/XX/XXXX Cleared. Leases provided.
 10/22/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. Lease agreement is missing for this property.       Reviewer Comment (2021-10-22): XX/XX/XXXX Cleared. Leases provided.
 10/22/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. Lease agreement is missing for this property.       Reviewer Comment (2021-10-22): XX/XX/XXXX Cleared. Leases provided.
 10/22/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Aus is missing and required per guidelines.  Additional conditions may apply.       Reviewer Comment (2021-10-28): Received AUS associated. Exception cleared.


Reviewer Comment (2021-10-22): XX/XX/XXXX Aus was provided but does not meet guideline requirment of approve/ineligible.  AUS provided is refer with caution due to ratio XX%.  Please provide AUS that meets guidelines. Exception remains.
 10/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-10-14): Final title provided.
 10/14/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-10-05): Received final report with updated loan policy coverage amount.Exception cleared


Seller Comment (2021-10-04): Title Report
 10/05/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Mortgage statements and evidence of hoa dues is missing for both properties.       Reviewer Comment (2021-10-12): Mortgage statements and evidence of HOA dues for both REO received. Exception cleared


Seller Comment (2021-10-11): HOA docs


Reviewer Comment (2021-10-05): Documentation received for  XXXXX, Please provide HOA for XXXXX  as it is Escrowed for Taxes and Insurance, Exception Remains.


Seller Comment (2021-10-04): REO docs
 10/12/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $XXXXX of title insurance coverage; however this is less than the loan amount of $XXXXX  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-10-13): Exception cleared.


Seller Comment (2021-10-13): Uploaded title policy
 10/13/2021     1 A   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $XXXXX of title insurance coverage; however this is less than the loan amount of $XXXXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-10-12): Client elects to waive.
     10/12/2021 2 B   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $121.00 exceeds tolerance of $100.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer Tax  was last disclosed as $100 on LE but disclosed as $121 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-05): Sufficient Cure Provided At Closing
   10/05/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Aus is required but missing.       Reviewer Comment (2021-10-05): XX/XX/XXXX Document provided. Cleared.
 10/05/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation XXXXX Disaster Issue: Property is located in a XXXXX Disaster area and has been affected by the disaster. Disaster Name: ___
Disaster Declaration Date: ___		 A post disaster inspection is not available to determine disaster costs       Reviewer Comment (2021-11-22): Received Post Inspection Repot on XX/XX/XXXX, Exception Cleared


Seller Comment (2021-11-19): XX/XX/XXXX TC please see attached, FEMA report.
 11/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $950 on LE but disclosed as $750 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $200 was provided at closing.  Se Doc ID# 40 page 2 of Final CD       Reviewer Comment (2021-11-03): Sufficient Cure Provided At Closing
   11/03/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $6,681.88 exceeds tolerance of $6,500.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer Tax was last disclosed as $6,500 on LE but disclosed as $6,681.88 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $181.88 was provided at closing. See Doc ID# 40 page 2 of Final CD       Reviewer Comment (2021-11-03): Sufficient Cure Provided At Closing
   11/03/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $630.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $600 on LE but disclosed as $630 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $30 was provided at closing.       Reviewer Comment (2021-10-21): Sufficient Cure Provided At Closing
   10/21/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. Variance between HOA monthly fee at $XXXXX per final CD, and $XXXXX per 1004.       Reviewer Comment (2021-09-29): Letter of Explanation & Corrected Closing Disclosure provided. Exception cured.


Seller Comment (2021-09-22): The non escrow HOA is $XXXXX per month, multiplied by 11 months based on consummation date, brings it to $XXXXX for non escrow property costs over year 1


Seller Comment (2021-09-22): Per appraisal, HOA is $XXXXX annually, for a monthly premium of $XXXXX
   09/29/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   Title Commitment reflects an incorrect Policy Amount, Final Title is not provided.       Reviewer Comment (2022-01-31): Title provided with amount.


Reviewer Comment (2022-01-31): .


Reviewer Comment (2021-11-02): Client elects to waive
 01/31/2022     1 A   XX Primary Purchase   B B B A B B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Projected income. Borrower did not start new employment until after the Note date.       Reviewer Comment (2021-11-02): Client elects to waive
     11/02/2021 2 B   XX Primary Purchase   B B B A B B A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - The file was missing a copy of the HOA verifications for XXXXX Rd and XXXXX.       Reviewer Comment (2021-09-23): HOA doc received and verified. Exception cleared.


Seller Comment (2021-09-23): Please see attached.
 09/23/2021     1 A   XX Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. XXXXX tax return extension was not provided for the Borrower's personal 1040's.       Reviewer Comment (2021-09-29): Client elects to waive.


Reviewer Comment (2021-09-23): As per General QM, Require Most recent XXXXX Signed, dated Business and Personal tax returns. Exception remains.


Seller Comment (2021-09-23): Please see attached.
     09/29/2021 2 B   XX Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Self-Employed Tax Return Recency - QM General QM: Self Employed Tax Returns - The business or personal tax returns provided are not the most recent. Application Date XX/XX/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. XXXXX tax return extension was not provided for the Borrower's personal 1040's.       Reviewer Comment (2021-09-29): Client elects to waive.


Reviewer Comment (2021-09-23): As per General QM, Require Most recent XXXXX Signed, dated Business and Personal tax returns. Exception remains.


Seller Comment (2021-09-23): Please see attached.
     09/29/2021 2 B   XX Primary Purchase   C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,714.35 exceeds tolerance of $1,703.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,714.35 exceeds tolerance of $1,703.00.  Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-09-20): Sufficient Cure Provided At Closing
   09/20/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Copy of AUS as required by guidelines not provided.       Reviewer Comment (2021-11-04): AUS received and associated. Exception Cleared.
 11/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Asset documentation not provided.       Reviewer Comment (2021-11-04): Received Bank statement with sufficient assets amount. Exception Cleared.
 11/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Asset documentation not provided.       Reviewer Comment (2021-11-04): Received Bank statement with sufficient assets amount. Exception Cleared.
 11/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2021-11-04): Received VVOE, Confirming borrower's employment is still active. Exception Cleared.


Seller Comment (2021-11-03): XX/XX/XXXX MAZ. Please rescind, XXXXX the paystub must be no more than 4 months old on the note date. The paystub for the borrower is date XX/XX/XXXX and would expire on XX/XX/XXXX and the file disbursed on XX/XX/XXXX.
 11/04/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Wages General QM: Unable to verify current Wages / W-2 employment status using reasonably reliable third-party records. Pay Period end date XX/XX/XXXXX entered for the paystub is dated more than 90 days prior to Note Date.  Missing recent paystub with YTD earnings prior to note date dated within 90 days.       Reviewer Comment (2021-11-04): Received VVOE, Confirming borrower's employment is still active. Exception Cleared.


Seller Comment (2021-11-03): XX/XX/XXXX MAZ. Please rescind, XXXXX the paystub must be no more than 4 months old on the note date. The paystub for the borrower is date XX/XX/XXXX and would expire on XX/XX/XXXX and the file disbursed on XX/XX/XXXX.
 11/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - Missing employment verification for primary employer dated within 10 business days of closing.       Reviewer Comment (2021-11-04): Received VVOE, Confirming borrower's employment is still active. Exception Cleared.


Seller Comment (2021-11-04): XX/XX/XXXX MAZ Please rescind, see attached employment verification for the primary employer for XXXXX.
 11/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of the AUS, additional conditions may apply.       Reviewer Comment (2021-11-09): AUS received and associated. Exception cleared.


Seller Comment (2021-11-08): BANK STATEMENTS


Reviewer Comment (2021-10-28): Missing AUS, Exception Remains
 11/09/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-10-28): Received Bank statement on XX/XX/XXXX, Exception Cleared
 10/28/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-18): Received XXXXXSubmission Summary Report and Collateral Underwriter Risk Score is 1. Hence, secondary valuation is not required. Exception cleared.


Seller Comment (2021-11-17): Collateral Credit Score is 1 - 1 out of 5
 11/18/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Asset documentation is missing from file. Reserves are required for ltv greater than 80%       Reviewer Comment (2021-10-28): Received Bank statement on XX/XX/XXXX, Exception Cleared
 10/28/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2021-11-10): Received Hazard Insurance Policy and Replacement Cost Estimator. Coverage shortfall is zero. Hence, exception cleared.


Seller Comment (2021-11-09): XX/XX/XXXX AMB: Attaching RCE.


Seller Comment (2021-11-09): XX/XX/XXXX AMB: Attaching HOI policy.


Seller Comment (2021-11-09): XX/XX/XXXX AMB: Please rescind.  Please see the attached HOI policy on the subject property, along with the Replacement Cost Estimate proving sufficient coverage.
 11/10/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-24): Received XXXXX dated XX/XX/XXXX with the value of $XXXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.
 11/24/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $33.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-11-15): Sufficient Cure Provided At Closing
   11/15/2021   1 A   XX Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-11-24): Received XXXXX dated XX/XX/XXXX with the value of $XXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.


Reviewer Comment (2021-11-22): Valuation Received - XX/XX/XXXX
 11/24/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Rider - Acknowledgment and Waiver of Borrower's Rights not provided   The Acknowledgement and Waiver of Borrower's Rights rider was not provided with the security instrument.       Reviewer Comment (2021-10-29): Signed waiver provided - Exception cleared.


Reviewer Comment (2021-10-28): Received Waiver of Borrower's Right Rider however page 3 is missing. Provide 3rd page of the same. Exception remains.
 10/29/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS is required for GS QM AUS program.  AUS findings were not provided in loan file.       Reviewer Comment (2021-10-26): AUS findings provided
 10/26/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXXX on Final Closing Disclosure provided on XX/XX/XXXX not accurate. The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXXX on page 4; however the HOA dues total $XXXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXXX monthly, correct amount is $XXXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-11): LOE and PCCD in file.


Seller Comment (2021-11-11): PCCD and LOE Uploaded


Seller Comment (2021-11-11): PCCD AND LOE / ASSETS EMD


Seller Comment (2021-11-11): PCCD AND LOE
   11/11/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Documentation verifying sufficient funds to close and cover any required reserves was not provided.  Only received business bank statements in loan file.       Reviewer Comment (2021-10-26): Personal bank statements provided
 10/26/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Source of Funds/Deposit not provided   Documentation verifying source of funds for $XXXXX EMD was not provided in loan file.       Reviewer Comment (2021-11-11): Exception cleared.
 11/11/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure due to QM failure.  This exception will be cleared once all QM specific exceptions have been cured/cleared.       Reviewer Comment (2021-11-09): SHQM


Reviewer Comment (2021-11-04): Exception remains. Require all other QM exceptions to be cleared.


Seller Comment (2021-11-03): (Rate Lock) all other exceptions cleared
 11/09/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   LTVs over 80% require the greater of the AUS requirements or 6 months; AUS has no requirement, 6 months required.       Reviewer Comment (2021-11-02): Lender provided additional bank statements - exception is clear


Seller Comment (2021-11-01): (Rate Lock) Please see XXXXX business checking XXXXX with an additional $XXXXX funds


Reviewer Comment (2021-10-28): Currently available reserves is $XXXXX , provide additional asset document of $XXXXX to meet the reserves requirement. Exception remains.
 11/02/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Earnest Money Deposit is unsourced.  Per guidelines EMD source is required.   Missing source of EMD of $XXXXX.       Reviewer Comment (2021-12-02): Deposit Receipt, Wire Confirmation of EMD and Bank Statement reflecting debit of EMD amount of $XXXXX from XXXXX account. Docs received and associated. Exception cleared.


Seller Comment (2021-12-01): EMD Docs.
 12/02/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-05): Desk review provided.
 11/05/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $825.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $825 on LE but disclosed as $950 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-19): Sufficient Cure Provided At Closing
   10/19/2021   1 A   XX Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXXX / 2 days - XXXXX - No MLS Sheets       Reviewer Comment (2021-11-03): Received XXXX document and associated, exception cleared.


Reviewer Comment (2021-11-02): Valuation Received - XX/XX/XXXX
 11/03/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $84.50 exceeds tolerance of $42.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit Report Fee was last disclosed as $42.00 on LE but disclosed as $84.50 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-20): Sufficient Cure Provided At Closing
   10/20/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - XXXXX Statement is over 90 days.  The Approval also requests an updated statement and was signed off as received.  However, the statement was not located within the loan file for XXXXX account.       Reviewer Comment (2021-11-05): Received statement dated XX/XX/XX, verified details and associated the document. Exception cleared.
 11/05/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - The XXXXX Statement is over 90 days.  The Approval also requests an updated statement and was signed off as received.  However, the statement was not located within the loan file.       Reviewer Comment (2021-11-05): Received statement dated XX/XX/XX, verified details and associated the document. Exception cleared.
 11/05/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $84.50 exceeds tolerance of $42.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-11-04): Sufficient Cure Provided within 60 Days of Closing
   11/04/2021   1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX which is after the consummation date of XX/XX/XX. It should be noted the final CD in file shows a disbursement date of XX/XX/XX.  Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation.       Reviewer Comment (2021-10-22): XX/XX/XX Cleared.  PCCD provided with correct disbursement date.


Seller Comment (2021-10-21): I have uploaded the pccd showing the disbursement date XX/XX/XX.  Thee insurance is correct
 10/22/2021     1 A   XX Primary Purchase   C A C A C A A A Higher Priced QM (APOR) Higher Priced QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of Higher Priced QM (APOR). Diligence review determined loan to be a higher price loan.       Reviewer Comment (2021-11-10): Client accepts as Higher Priced QM (APOR).


Reviewer Comment (2021-10-27): Per GS QM AUS guidelines Program: APR must be < APOR + XX%.  APOR is XX +XX = XX and Calculated APR XX which exceeds XX threshold. Exception remains.


Seller Comment (2021-10-21): uploading the qm
 11/10/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Higher Priced QM (APOR) Higher Priced QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $240.00 exceeds tolerance of $191.00 plus 10% or $210.10.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $49 due to increase of recording fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $49, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-25): SitusAMC received PCCD and FSS reflecting reduction in recording fee.


Seller Comment (2021-10-22): uploading final settlement statement from title


Reviewer Comment (2021-10-22): SitusAMC has received PCCD reflecting decrease in recording fee to $95, however we would require the true and certified copy of the Final Settlement Statement(FSS) in order to verify the same. Kindly provide the FSS for further evaluation.


Seller Comment (2021-10-21): uploading the pccd that shows recording fees are lower than the initial CD.  we are not out of tolerance
 10/25/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Higher Priced QM (APOR) Higher Priced QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - File was missing a copy of mortgage Statement, and documentation verifying taxes, insurance & HOA dues for XXXXX       Reviewer Comment (2021-10-28): Received Mortgage statement reflecting taxes and insurance are escrowed along with borrower LOE stating property does not have any HOA expense. Exception cleared.
 10/28/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees 2021 Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.84922% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $23,322.60 on a Federal Total Loan Amount of $605,905.21 vs. an allowable total of $18,177.15 (an overage of $5,145.45 or .84922%). Provide copy of rate at PAR with no points.       Reviewer Comment (2021-11-02): Discount Point Fee Disclosure was found in the file with Par Rate and Price - Exception cleared.
 11/02/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Due to points and fees.       Reviewer Comment (2021-11-02): Discount Point Fee Disclosure was found in the file with Par Rate and Price - Exception cleared.
 11/02/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Statement to verify payment includes escrows not provided; transaction history was provided. Does not show minimum principal payment.       Reviewer Comment (2021-11-02): Lender provided Mortgage Statement - Exception cleared


Seller Comment (2021-11-01): transaction history is on page 2 and shows the minimum payment breakdown
 11/02/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by $XXXX.   Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2021-11-05): Received Replacement Cost Estimator for the amount of $XXXX and document associated. Shortfall covered. Hence, exception cleared.


Seller Comment (2021-11-04): XX/XX/XX - MJP: Reconstruction cost estimator on file reflects reconstruction cost of $XXXXwhich HOI policy covers. Please see attached HOI policy and RCE.
 11/05/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $150 on LE but disclosed as $175 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-09-29): Sufficient Cure Provided At Closing
   09/29/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Documentation Insurance Flood Insurance Error: Policy expiration date not provided.   Flood Insurance application does not reflect effective end date.       Reviewer Comment (2021-07-24): Provided. Clear.


Buyer Comment (2021-07-16): Flood uploaded.
 07/24/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.           Reviewer Comment (2021-07-24): Provided. Clear.


Buyer Comment (2021-07-16): Report uploaded.
 07/24/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           Reviewer Comment (2021-07-24): Provided. Clear.


Buyer Comment (2021-07-16): AUS uploaded.
 07/24/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Mortgage Broker Fee.  Fee Amount of $12,744.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded       Reviewer Comment (2021-07-26): SitusAMC received Valid Changed Circumstance on XX/XX/XX & XX/XX/XX.


Buyer Comment (2021-07-22): COC uploaded for XX/XX/XX


Reviewer Comment (2021-07-19): SitusAMC: received COC for increased in loan amount. However, we required COC for addition of Mortgage broker fee on LE dated XX/XX/XX. As on revised LE dated XX/XX/XX the Mortgage broker fee is $0 whereas on received LE dated XX/XX/XX it was disclosed $12,488 without any valid COC. Please provide valid COC for LE dated XX/XX/XX with additional information as why Mortgage broker fee is added on loan.


Buyer Comment (2021-07-16): COC uploaded.
 07/26/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $600.00.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded       Reviewer Comment (2021-07-19): SitusAMC: received corrected PCCD, LOE, Proof of delivery and copy of check


Buyer Comment (2021-07-16): REfund uploaded.
   07/19/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance The Flood Insurance Policy effective date is after the Note Date.   Exception set       Reviewer Comment (2021-07-24): Provided. Clear.


Buyer Comment (2021-07-16): Flood uploaded.
 07/24/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $600.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-08-06): Sufficient Cure Provided within 60 Days of Closing
   08/06/2021   1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is missing secondary valuation product required for securitization.   Secondary valuation not provided       Reviewer Comment (2021-07-19): Cleared


Buyer Comment (2021-07-12): CU score is less than 2.5. Secondary valuation not required.
 07/19/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Not provided       Reviewer Comment (2021-08-11): Received Approval document with corrected loan amount , Exception cleared.


Buyer Comment (2021-08-10): Uploaded loan approval


Reviewer Comment (2021-07-19): Loan approval loan amount does not match actual loan amount.


Buyer Comment (2021-07-12): Uploaded loan approval
 08/11/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   Not provided       Reviewer Comment (2021-07-19): Cleared


Buyer Comment (2021-07-12): Uploaded HUD-1
 07/19/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $22,383.19 exceeds tolerance of $22,219.00.  Insufficient or no cure was provided to the borrower. Insufficient cure for fee exceeding tolerance       Reviewer Comment (2021-07-29): SitusAMC received valid COC and updated LE


Buyer Comment (2021-07-14): Uploaded LE on XX/XX/XX


Reviewer Comment (2021-07-13): SitusAMC received COC dated XX/XX/XX and XX/XX/XX for increased in loan discount. However, subsequent LE is missing for COC dated XX/XX/XX for Rate lock. Please provide subsequent LE within 3 business days from COC date XX/XX/XX. Also, the loan amount is decreased and Discount point percentage is increased on initial CD as compare to initial LE


Buyer Comment (2021-07-12): COC on page 11 and 12
 07/29/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years current employment. Audited P&L provided for YTD income, 2 years plus YTD utilized for calculation.       Reviewer Comment (2021-07-29): Cleared


Reviewer Comment (2021-07-22): Third party documentation (i.e. CPA letter, business license, certificate of good standing) is required to verify the start date of the company as well as to verify the company is still active.


Buyer Comment (2021-07-20): Please specify 3rd party verification needed. CPA Letter?? P&L completed by a CPA????


Reviewer Comment (2021-07-19): Missing 3rd party verification of employment.


Buyer Comment (2021-07-16): Uploaded  P&L for XXXXX and XXXXX


Buyer Comment (2021-07-12): Uploaded XXXXX and XXXXX tax return to show profit and loss
 07/29/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). Audited P&L provided for YTD income, 2 years plus YTD utilized for calculation.       Reviewer Comment (2021-07-19): Cleared


Buyer Comment (2021-07-16): Upload P&L's for XXXXX and XXXXX


Buyer Comment (2021-07-12): Schedule C enclosed in XXXXX and XXXXX tax return
 07/19/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Sole Proprietorship Income Documentation Test Qualified Mortgage (Dodd-Frank 2014): Self-employed income documentation not sufficient (Sole Proprietorship). Audited P&L provided for YTD income, 2 years plus YTD utilized for calculation.       Reviewer Comment (2021-07-19): Cleared


Buyer Comment (2021-07-16): Uploaded P&L's for XXXXX and XXXXX


Buyer Comment (2021-07-12): Schedule C enclosed for XXXXX and XXXXX
 07/19/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General ATR Provision Investor and Non QM DTIs match and both moderately exceed Guidelines Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and 1026.43(c)(5) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.) DTI exceeds guideline threshold of XX%       Reviewer Comment (2021-07-29): cleared


Reviewer Comment (2021-07-19): Missing DU dated prior to closing. Unable to clear


Buyer Comment (2021-07-12): Per E1 Program guidelines: Maximum DTI Ratio XX% DTI except with AUS Express lesser of XX% or FNMA DU with Approved / Ineligible recommendation where the ineligibility is solely due to the loan amount exceeding agency limits. The loan is AUS Express.
 07/29/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of ATR Risk. DTI exceeds guideline threshold of XX%       Reviewer Comment (2021-07-29): Cleared


Reviewer Comment (2021-07-19): Missing DU dated prior to closing. Unable to clear


Buyer Comment (2021-07-12): Is this a waterfall condition?
 07/29/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM DTI Qualified Mortgage (Dodd-Frank 2014): Total Debt to Income Ratio exceeds XX% and the images do not provide evidence loan is eligible for purchase, guarantee or insurance by the appropriate agency. DTI exceeds guideline threshold of XX%       Reviewer Comment (2021-07-29): Cleared


Reviewer Comment (2021-07-19): Missing DU dated prior to closing. Unable to clear


Buyer Comment (2021-07-12): Per E1 loan program guidelines: Maximum DTI Ratio XX% DTI except with AUS Express lesser of XX% or FNMA DU with Approved / Ineligible recommendation where the ineligibility is solely due to the loan amount exceeding agency limits. This loan AUS express, therefore within DTI of less than XX%/
 07/29/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   DTI exceeds guideline threshold of XX%       Reviewer Comment (2021-07-19): Cleared


Buyer Comment (2021-07-12): Per E1 Program Guidelines : Maximum DTI Ratio XX% DTI except with AUS Express lesser of XX% or FNMA DU with Approved / Ineligible recommendation where the ineligibility is solely due to the loan amount exceeding agency limits. This loan is AUS Express, therefore within less than XX% DTI requirement.
 07/19/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General Ability To Repay Provision Investor Guidelines Ability to Repay (Dodd-Frank 2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. DTI exceeded guideline threshold, causing designation to change from Safe Harbor QM, due to 1008 not being provided unable to verifies lenders income calculation.       Reviewer Comment (2021-07-29): Cleared


Reviewer Comment (2021-07-19): Missing DU dated prior to closing. Unable to clear


Buyer Comment (2021-07-12): This loan is AUS Express therefore DTI meets guidelines of less than XX%. See uploaded guidelines.
 07/29/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   DU in loan file is dated day of closing however time stamp is after time stamp on Final CD. Please provide evidence loan closed after DU time stamp or please provide Approve/Ineligible DU prior to date and time stamp on Final CD.       Reviewer Comment (2021-08-05): DU/AUS received


Buyer Comment (2021-07-29): Uploaded DU dated prior to closing.
 08/05/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk.         Reviewer Comment (2021-07-29): Cleared


Reviewer Comment (2021-07-22): Yes.  Once all QM issues are resolved, this will clear.


Buyer Comment (2021-07-20): Is this a waterfall condition?
 07/29/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Missing verification of employment for Sch C businesses.       Reviewer Comment (2021-08-11): Received CPA letter for XXXXX, exception cleared.


Buyer Comment (2021-08-10): Uploaded CPA letter


Reviewer Comment (2021-08-05): Document received for one of the businesses - still needed for XXXXX.  Please provide third party confirmation for XXXXX.


Buyer Comment (2021-08-03): Uploaded 3rd party verification for Sch C income


Reviewer Comment (2021-07-26): Schedule C are already in file. Please provide third party verification of business for both schedule C business. Exception remains.


Buyer Comment (2021-07-22): Uploaded Schedule C. Please specify which business Schedule C is missing for ?
 08/11/2021     1 A   XX Primary Purchase   C A C A C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $572.50 exceeds tolerance of $550.00.  Sufficient or excess cure was provided to the borrower at Closing. The Final Closing Disclosure reflects a Title - Endorsement Fee of $572.5, the Loan Estimate initially disclosed $550.00.  A Lender Credit of $22.50 for increase in Closing Costs is applied at close.       Reviewer Comment (2021-09-30): Sufficient Cure Provided At Closing
   09/30/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   Title Commitment reflects an incorrect Policy Amount.  Final Title is not provided.       Reviewer Comment (2022-01-31): Title provided with amount.


Reviewer Comment (2022-01-31): .


Reviewer Comment (2021-10-05): Client elects to waive.
 01/31/2022     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,125.00 exceeds tolerance of $850.00.  Insufficient or no cure was provided to the borrower. Appraisal Fee was  last disclosed as $850.00 on LE but disclosed as $1,125.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $275, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-03): SitusAMC received a valid COC on XX/XX & XX/XX fro the Appraisal fee increased due to Unique/Complexity property and Turn time.


Reviewer Comment (2021-10-29): Missing COC for Appraisal increase reflected on LE issued XX/XX/XX. In addition, trailing COC (XX/XX/XX) does not provide a valid reason for increase; exception remains
 11/03/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Missing Employment Dates to verify two years employment history for prior employment for XXXX. A verbal VOE or third party verification providing the start and end date of the previous employment was not provided.       Reviewer Comment (2021-10-29): Third party verification from Employer XXXXX for borrower XXXXX received . Verified start/End Dates . Exception cleared .
 10/29/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - Missing Employment Dates to verify two years employment history for prior employment for XXXX. A verbal VOE or third party verification providing the start and end date of the previous employment was not provided.       Reviewer Comment (2021-10-29): Third party verification from Employer XXXXX for borrower XXXXX received . Verified start/End Dates . Exception cleared .
 10/29/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Missing Employment Dates to verify two years employment history for prior employment for XXXX. A verbal VOE or third party verification providing the start and end date of the previous employment was not provided.       Reviewer Comment (2021-10-29): Third party verification from Employer XXXXX for borrower XXXXX received . Verified start/End Dates . Exception cleared .
 10/29/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy.   Reviewed guides dated XX/XX/XX and max LTV/CLTV is XX%.       Reviewer Comment (2021-11-02): Lender provided updated Caliber Guidelines that allowed for the increase in the LTV to XX% - exception cleared.
 11/02/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Reviewed guides dated XX/XX/XX and max LTV/CLTV is XX%.       Reviewer Comment (2021-11-02): Lender provided updated Caliber Guidelines that allowed for the increase in the CLTV to XX% - exception cleared.
 11/02/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $645.00 exceeds tolerance of $625.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $645.00 exceeds tolerance of $625.00.  Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-10-28): Sufficient Cure Provided At Closing
   10/28/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   100% of the retirement account was used for closing and reserves when FNMA allows 60%.       Reviewer Comment (2021-11-10): Previously EMD amount was updated and the same has been excluded in error due to which assets for closing was less then cash from borrower. After correction assets for closing is 211288.8. Also the usability for IRA is updated as per guideline. Exception Cleared.


Seller Comment (2021-11-09): XX/XX/XX MAZ: Please rescind. The cash to close that is needed from the retirement account is $XXXX. Per FNMA section B3-4.3-03 AND B3-4.3-01 the retirement account has to have at least 20% more in the account in order to use the full amount towards cash to close. This retirement account has more than 20% over our cash to close required from it.


Reviewer Comment (2021-11-05): Exception remains. Retirement account used as per guidelines.


Seller Comment (2021-11-04): XX/XX/XX MAZ Please rescind, the guidelines that require the haircut of retirement accounts changed. We are able to use 100% of the account and do not require liquidation for funds to close.
 11/10/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Failure due to missing or incomplete documentation.       Reviewer Comment (2021-11-02): Reflected XXXXX 1040 as signed - this cleared the exception


Seller Comment (2021-10-29): XX/XX/XX cbb see attached VOB
 11/02/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. (Final/XX/XX/XX)       Reviewer Comment (2021-10-21): SitusAMC received CD dated XX/XX/XX.


Seller Comment (2021-10-21): Please see attached Closing Disclosure and TRID worksheet with proof borrower was sent an Initial Closing Disclosure on XX/XX/XX and was e-consented to on XX/XX/XX This meets the 3 business days prior to the closing date of XX/XX/XX.
 10/21/2021     1 A   XX Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation.  Fee Amount of $18,110.50 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Originator compensation was  last disclosed as $0.00 on LE but disclosed as $18110.50 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $18110.50, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-22): SitusAMC has received valid changed circumstance for fee increase.


Seller Comment (2021-10-21): .


Seller Comment (2021-10-21): Please review attached Change of Circumstance for Compensation Plan change from Lender to Borrower Paid dated XX/XX/XX, and Closing Disclosure disclosing Compensation Plan change from Lender to Borrower Paid dated XX/XX/XX
 10/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - Verification of employment for co borrower is greater than 10 days old at closing.       Reviewer Comment (2021-11-09): Verified and associated VVOE for  XXXXX is within 10 business days of note date. Exception cleared


Seller Comment (2021-11-08): XX/XX/XX Closing was XX/XX/XX VVOE was on XX/XX/XX this is with in 10 days. Please clear this.


Reviewer Comment (2021-11-08): Third party verification of employment ( income /Employment ) is not within 10 business days of the Note. Please provided updated documents . Exception remains.


Seller Comment (2021-11-05): XX/XX/XX AMB: Attached VVOE for the co-borrower.


Seller Comment (2021-11-05): XX/XX/XX AMB: Please rescind.  Please see the VVOE attached for the co-borrower.  Please note that the employment was verified within 10 business days of the closing date of the loan.


Reviewer Comment (2021-11-01): Received Verification of Business and Business Entity Listing, Please provide Verification of employment for co borrower. Exception remains.


Seller Comment (2021-10-29): XX/XX/XX cbb see attached VOB
 11/09/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ The homeowner's insurance declarations page in the file verified an effective date of XX/XX/XX  which is after the disbursement date of XX/XX/XX,  Provide a revised homeowner's insurance declaration page or policy verifying coverage in effect at or prior to consummation.       Reviewer Comment (2021-10-07): XX/XX/XX Cleared. Disbursement documented.


Seller Comment (2021-10-06): Please see final settlement statement with disbursement of XX/XX/XX
 10/07/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - The Mortgage Statement and Insurance information were not found in the file for the property at XXXXX.       Reviewer Comment (2021-11-04): Recently received Mortgage Statement and Insurance document  & same has been associated in clarity, hence Exception cleared.
 11/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Per the DU Findings the loan was approved with the use of a Savings Account from XXXX and a Checking Account with XXXX.  This information was not found in the file       Reviewer Comment (2021-11-16): Bank statement received for both the accounts. Exception cleared


Seller Comment (2021-11-15): BANK STATEMENTS


Reviewer Comment (2021-11-04): Recently received Bank statement  same has been associated in clarity along with details updated in Assets screen, hence Exception remain.
 11/16/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Asset documentation requirements not met.   Asset account provided did not have any Documents to support them in file.       Reviewer Comment (2021-11-16): Bank statement received. Exceptions cleared


Seller Comment (2021-11-15): ASSETT DOCUMENTATION


Reviewer Comment (2021-11-04): Recently received Bank statement  same has been associated in clarity along with details updated in Assets screen but one more month statement is require for the complete AUS guideline, hence Exception remain.
 11/16/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $77.50 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer tax fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee of $77.50 disclosed in the Closing Disclosure. Cure was provided at closing.       Reviewer Comment (2021-10-28): Sufficient Cure Provided At Closing
   10/28/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $XXXX of title insurance coverage; however this is less than the loan amount of $XXXX.  Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-11-05): Received Final Title Policy with the coverage amount of $634,430 and document associated. Hence, exception cleared.


Seller Comment (2021-11-04): XX/XX/XX TC please see attached title policy for the correct loan amount.
 11/05/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-11-05): Received Final Title Policy with the coverage amount of $634,430 and document associated. Hence, exception cleared.
 11/05/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $47.00 exceeds tolerance of $31.00.  Insufficient or no cure was provided to the borrower. Credit Report Fee was  last disclosed as $31.00 on LE but disclosed as $91.00 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $16, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-10): SitusAMC received PCCD, LOE, refund check and proof of delivery.


Seller Comment (2021-11-10): check,pccd,loe,fedex


Seller Comment (2021-11-10): HC XX/XX/XX See attached refund check to borrower, PCCD, LOE, and FedEx label
   11/10/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Provided Assets match Final 1003       Reviewer Comment (2021-11-05): Assets verified. Exception cleared.


Seller Comment (2021-11-04): XX/XX/XX BK: Please rescind. See the most recent AUS run showing that we have plenty of assets.
 11/05/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Source of Funds/Deposit not provided   Provide proof of large deposit into XXXX account #XXXX on XX/XX/XX in amount of $XXXX.       Reviewer Comment (2021-12-06): Received letter of explanation doesn't provide the large deposit amount however considered the proof and Exception cleared.


Seller Comment (2021-12-03): Situs AMC XX/XX/XX MWM Please Rescind as the letter of explanation for the deposit is all that is required per guidelines


Reviewer Comment (2021-11-30): Received LOX on XX/XX/XX however amount of $XXXX is not mentioned and missing proof of large deposit document, Exception Remains


Seller Comment (2021-11-29): Situs AMC XX/XX/XX MWM Please Rescind as B3-4.2-02 guidelines indicate LOX for large deposit is sufficient
 12/06/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Originator Compensation (YSP).  Fee Amount of $1,268.03 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Loan Origination Compensation Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $50.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-05): "SitusAMC received valid COC, CD document to clear the exception.


Seller Comment (2021-11-05): CofC XX/XX/XX


Seller Comment (2021-11-05): XX/XX/XX CD


Seller Comment (2021-11-05): XX/XX/XX HC - A CofC was processed on XX/XX/XX switching from Lender Paid to Borrower Paid compensation which disclosed a new CD to the borrower. See attached CofC with reason for the change as well as the disclosed CD.
 11/05/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Failure due to points and fees.       Reviewer Comment (2021-11-04): Exception cleared


Seller Comment (2021-11-03): 8945.00 of discount points and $1055 underwriting fee are excluded from QM test due to being paid via seller credit. Total fees in test is $30847.55. Also, the difference between our undiscounted rate of XX% and apor XX% is within 2% different which allows for 1% bonafide discount to also be excluded ($8549.04). See attached itemization of settlement charges and QM test with breakdown highlighted at bottom: Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage. this is calculated as:
$XXXX - $XXXX = $XXXX / = XX %
 11/04/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees 2021 Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.86529% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $32,173.51 on a Federal Total Loan Amount of $832,370.43 vs. an allowable total of $24,971.11 (an overage of $7,202.40 or .86529%). Loan discount points may be removed with evidence of the undiscounted rate and undiscounted rate price.       Reviewer Comment (2021-11-04): Exception cleared


Seller Comment (2021-11-03): 8945.00 of discount points and $1055 underwriting fee are excluded from QM test due to being paid via seller credit. Total fees in test is $30847.55. Also, the difference between our undiscounted rate of XX% and apor XX% is within 2% different which allows for 1% bonafide discount to also be excluded ($8549.04). See attached itemization of settlement charges and QM test with breakdown highlighted at bottom: Included Fees - Bona Fide Points = Total Fees / Total Loan Amount (Amount Financed) = Total Fees Percentage. this is calculated as:
$XXXX5 - $XXXX = $XXXX / $XXXX = XX %
 11/04/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Revised Loan Estimate Timing Before Closing TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on XX/XX/XX not received by borrower at least four (4) business days prior to closing. Documentation of earlier reciept not provided.       Reviewer Comment (2021-11-09): SitusAMC received disclosure tracking indicating the revised LE was received the same day issued.


Seller Comment (2021-11-05): Disagree: Please see that attached TRID worksheet, Loan Estimate, and Final Closing Disclosure. The borrowers received and consented to the loan estimate on XX/XX/XX, 4 days prior to the Final Closing Disclosure on XX/XX/XX.
 11/09/2021     1 A   XX Primary Purchase No Defined Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $156.92 exceeds tolerance of $120.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit report Fee was last disclosed as $120 on LE but disclosed as $156.92 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-25): Sufficient Cure Provided At Closing
   10/25/2021   1 A   XX Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-05): Desk review provided.
 11/05/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   Clear Capital / 2 days - CDA - No MLS Sheets       Reviewer Comment (2021-11-03): CDA received and associated the same, exception cleared.


Reviewer Comment (2021-11-02): Valuation Received - XX/XX/XX
 11/03/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Fraud Report not provided   The loan file does not contain the Fraud Report.       Reviewer Comment (2021-11-16): Fraud Report received and all red flags addressed. Exception cleared.


Seller Comment (2021-11-12): XX/XX/XX AMB: Please rescind.  Please see Fraud Guard report attached.
 11/16/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Homeowners Insurance Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether Homeowners Insurance is included in escrow. The Post Closing CD corrects this issue, however still missing: Letter of Explanation, Proof of Delivery, and Re-open Rescission.       Reviewer Comment (2021-11-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.


Seller Comment (2021-11-09): XX/XX/XX AMB: Please rescind.  Please see the updated closing disclosure for the transaction showing the corrected information regarding the escrows for taxes and insurance.
   11/11/2021   2 B   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Property Taxes Included In Escrow TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether property taxes are included in escrow. The Post Closing CD corrects this issue, however still missing: Letter of Explanation, Proof of Delivery, and Re-open Rescission.       Reviewer Comment (2021-11-11): SitusAMC received Letter of Explanation & Corrected Closing Disclosure.


Seller Comment (2021-11-09): XX/XX/XX AMB: Attaching final closing disclosure.


Seller Comment (2021-11-09): XX/XX/XX AMB: Please rescind.  Please see the updated closing disclosure for the transaction showing the corrected information regarding the escrows for taxes and insurance.
   11/11/2021   2 B   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing evidence of Assets in order to verify cash to close.       Reviewer Comment (2021-11-10): Received signed and dated copy of settlement statement for the sale of property XXXXX. Available for Closing $XXXX is sufficient to cover Cash From Borrower. Hence, exception cleared.


Seller Comment (2021-11-09): Previous sale


Reviewer Comment (2021-11-08): Please provide signed and dated copy of closing settlement statement/CD for net proceed of sale from real estate. Exception remains
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail due to insufficient Rental Income information.       Reviewer Comment (2021-11-10): Received signed Lease agreement, HOA  document, associated the documents. Exception Cleared


Seller Comment (2021-11-09): Previous sale
 11/10/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-11-05): Associate the received Title Commitment and update the loan amount. Hence Exception Cleared.
 11/05/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   The Loan Application reflects the borrowers are Permanent Resident Aliens - there was no evidence in the file to verify.       Reviewer Comment (2021-11-05): Received United States of America- Permanent Resident Card which is valid till XX/XX/XX for  both the borrower's.
 11/05/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. The Lease Agreement was not found in the file for the property at XXXXX       Reviewer Comment (2021-11-10): Received signed Lease agreement, HOA  document, associated the documents for property XXXXX. Exception Cleared


Seller Comment (2021-11-09): lease


Reviewer Comment (2021-11-05): Exception remains. Require Lease Agreement for XXXXX.
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. The Lease Agreement was not found in the file for the property at XXXXX       Reviewer Comment (2021-11-10): Received signed Lease agreement, HOA  document, associated the documents for property XXXXX. Exception Cleared


Seller Comment (2021-11-09): lease


Reviewer Comment (2021-11-05): Exception remains. Require Lease Agreement for XXXXX.
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - REO 25% Method General QM: Unable to verify Real Estate Owned income (25% Method) using reasonably reliable third-party records. The Lease Agreement was not found in the file for the property at XXXXX       Reviewer Comment (2021-11-05): Lease agreement received and associated in clarity.
 11/05/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Noted documentation is missing for XXXXX       Reviewer Comment (2021-11-10): Received signed Lease agreement, HOA  document, associated the documents for property XXXXX. Exception Cleared


Seller Comment (2021-11-09): hoa  dues


Reviewer Comment (2021-11-05): Still missing Lease Agreement, HOA Verification for XXXXX hence Exception Remains.
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Noted documentation is missing for XXXXX       Reviewer Comment (2021-11-10): Received signed Lease agreement, HOA  document, associated the documents for property XXXXX. Exception Cleared


Seller Comment (2021-11-09): REO docs
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - The noted documentation is missing for XXXXX       Reviewer Comment (2021-11-10): Received signed Lease agreement, HOA  document, associated the documents for property XXXXX. Exception Cleared


Seller Comment (2021-11-09): HOA docs


Reviewer Comment (2021-11-05): Still missing HOA Verification for XXXXX hence Exception Remains.
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Eligibility Asset Asset Verification Level is less than 4. - Please provide bank statement confirming the receipt of $XXXX from the sale of REO.       Reviewer Comment (2021-11-19): Document associated & exception cleared.


Seller Comment (2021-11-18): LOX, AUS, CD
 11/19/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $700.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $700 on LE but disclosed as $900 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-01): Sufficient Cure Provided At Closing
   10/01/2021   1 A   XX Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect K-1 Documentation Qualified Mortgage (Dodd-Frank 2014): Required K-1s or signed tax returns/transcripts not provided for K-1 (Less than 25% Ownership) income. XXXXX K1 not provided.       Reviewer Comment (2021-10-13): XXXXX K1 provided.


Reviewer Comment (2021-10-07): Document provided is not copy of Federal XXXXX K1.
 10/13/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM does not match Due Diligence Loan Designation of Non QM. Due to missing income docs.       Reviewer Comment (2021-10-13): XXXXX K1 provided.
 10/13/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit Guideline Requirement: Property type discrepancy. Appraisal property type of ___ does not match Guideline property type of ___. Appraisal reflects property as SFD; AUS reflects PUD.       Reviewer Comment (2021-10-15): Exception cleared.


Seller Comment (2021-10-14): Please see attached.
 10/15/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   Loan file is missing a copy of the AUS as required by the loan program       Reviewer Comment (2021-11-12): Exception cleared.


Seller Comment (2021-11-12): AUS
 11/12/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Underwriting Fee.  Fee Amount of $300.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Underwriting Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $300.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-27): SitusAMC received COC dated XX/XX/XX
 10/27/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Appraisal Desk Review Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $150.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-27): SitusAMC received COC dated XX/XX/XX
 10/27/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Verification of non US Citizen not found in file       Reviewer Comment (2021-11-15): Received VISA along with Driver's License and details verified and associated the documnet.EXception cleared.


Seller Comment (2021-11-12): NON RESIDENT DOCS
 11/15/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   No documentation on file for asset verification       Reviewer Comment (2021-11-15): Received Bank statement for borrower Assets updated the details and verified with final 1003. Exception Cleared


Seller Comment (2021-11-12): NON RESIDENT DOCS
 11/15/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-11-15): Received final title policy with the insurance amount of $674,925 and document associated. Exception cleared.


Seller Comment (2021-11-12): XX/XX/XX RF please see attached updated policy with correct loan amount, please clear thankyou
 11/15/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file is missing a copy of the final title policy.       Reviewer Comment (2021-11-15): Received final title policy with the insurance amount of $674,925 and document associated. Exception cleared.
 11/15/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - The file was missing a copy of the tax verification for XXXXX.       Reviewer Comment (2021-10-27): Document provided XX/XX/XX. Exception cleared XX/XX/XX.


Seller Comment (2021-10-26): XX/XX/XX - MJP: Please see attached tax documentation for REO located at XXXXX
 10/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Max DTI is XX%.       Reviewer Comment (2021-11-03): Worked on liabilites part as per Credit Report and now the DTI is XX% which is lesser than XX%. Exception cleared.


Seller Comment (2021-11-02): Situs AMC XX/XX/XX MWM Please Rescind or provide explanation for DTI discrepancy. Please see DTI breakdown supported by AUS
 11/03/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Please provide a mortgage statement for XXXXX to verify principal and interest payment.  If taxes and insurance is not included in the payment, please also provide tax verification.       Reviewer Comment (2021-10-27): Final CD received and verified the details. Exception Cleared.


Seller Comment (2021-10-26): XX/XX/XX DS: Please see attached CD showing taxes and insurance are escrowed.
 10/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $750.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. The Final Closing Disclosure reflects an Appraisal Fee of $750.00, which was not initially disclosed on the Loan Estimate. A $781.00 Lender credit for increase in Closing Costs is applied at close.       Reviewer Comment (2021-10-14): Sufficient Cure Provided At Closing
   10/14/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $31.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. The Final Closing Disclosure reflects a Credit Report Fee of $31.00, which was not initially disclosed on the Loan Estimate. A $781.00 Lender credit for increase in Closing Costs is applied at close.       Reviewer Comment (2021-10-14): Sufficient Cure Provided At Closing
   10/14/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   Hazard Insurance coverage is insufficient by $71.912.00.   Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2021-11-23): Received Replacement Cost Estimator for the amount of $405,000.00 and document associated. Shortfall covered. Hence, exception cleared.


Seller Comment (2021-11-22): hoi
 11/23/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   There are two gift letters in the file for $XXXX and $XXXX, but only $XXXX in gift funds was verified.  There are four wire receipts from XX/XX/XX, XX/XX/XX, XX/XX/XX, and XX/XX/XX for $XXXX each.  Please provide receipt of the remaining gift funds or other assets used to meet the requirement.       Reviewer Comment (2021-11-02): Lender provided updated closing statement reflecting the use of the $XXXX Gift - exception cleared
 11/02/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   There are two gift letters in the file for $XXXX and $XXXX, but only $XXXX in gift funds was verified.  There are four wire receipts from XX/XX/XX, XX/XX/XX, XX/XX/XX, and XX/XX/XX for $XXXX each.  Please provide receipt of the remaining gift funds or other assets used to meet the requirement.       Reviewer Comment (2021-11-02): Lender provided updated closing statement reflecting the use of the $XXXXGift - exception cleared
 11/02/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2022-01-31): Title provided with amount.


Reviewer Comment (2022-01-31): .


Reviewer Comment (2021-10-26): Client elects to waive.
 01/31/2022     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - It appears a new account with XXXX, account number XXXX, was opened with a large deposit of $XXXX coming from XXXX with the source not verified.       Reviewer Comment (2021-10-27): Bank statement from Royal Bank is received and large deposit amount is verified. The large deposit is transferred from borrower's (XXXXX) own account hence exception cleared.


Seller Comment (2021-10-26): XX/XX/XX MAZ. Please rescind, the transfer into the XXXXX was a transfer from the borrower's own account with the XXXXX. Please see attached document that shows that borrower is the owner of the XXXXX account.
 10/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - AUS requires a prior year W2 or WVOE with prior and YTD breakdown.       Reviewer Comment (2021-10-27): Borrower was transferred from Canada to the US and provided T4 form instead of W-2 for last two years employment history. Verified the details and associated the documents. Exception Cleared.


Seller Comment (2021-10-26): XX/XX/XX MAZ Please rescind, the borrower worked for their current employer in Canada. Provide was a letter from the employer for the transfer and the T4 which is the Canadian equivalent of the US W-2.
 10/27/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. File is failing Points and fees; subsequently, failing QM. Once points and fees are cleared, file will meet QM.       Reviewer Comment (2021-11-18): Bona Fide pricing provided. Exception cleared.


Seller Comment (2021-11-11): $22549.73 of discount fee and $1055 of underwriting fee are excluded from QM due to being paid by seller credit and not borrower. See attached QM test with $30,000.00 total points and fees, and also the itemization of settlement charges document confirming seller paid fees
 11/18/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Points and Fees 2021 Qualified Mortgage (Dodd Frank 2014): Points and Fees on subject loan of 3.56522% is in excess of the allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $53,604.73 on a Federal Total Loan Amount of $1,503,547.66 vs. an allowable total of $45,106.42 (an overage of $8,498.31 or .56522%). Loan discount points may be removed with evidence of the undiscounted rate and undiscounted rate price.       Reviewer Comment (2021-11-18): Bona Fide pricing provided. Exception cleared.


Seller Comment (2021-11-11): $22549.73 of discount fee and $1055 of underwriting fee are excluded from QM due to being paid by seller credit and not borrower. See attached QM test with $30,000.00 total points and fees, and also the itemization of settlement charges document confirming seller paid fees
 11/18/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Of Payments TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Total of Payments on page 5 that does not match the actual total of payments for the loan (fee amounts included in TOP calculation are based on Closing Disclosure dated XX/XX/XX). Correction made on post close CD, however missing: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, and Re-open Rescission.       Reviewer Comment (2021-12-14): SitusAMC received PCCD within 60 days of consummation correcting fees.


Seller Comment (2021-12-10): DJ: PCCD, final settlement statement, POD and LOX
 12/14/2021     1 A   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission if Applicable C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-16): Received UCDP Submission Summary Report and Collateral Underwriter Risk Score is 1. Hence, secondary valuation is not required. Exception cleared.


Seller Comment (2021-11-12): UCD SSR
 11/16/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-11-16): Received bank statements from XXXXX, XXXXX and XXXXX account . Verified assets totaling  $XXXX.
Hence exception Cleared .


Seller Comment (2021-11-12): Assets
 11/16/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Missing Documentation: Non-US Citizen Status       Reviewer Comment (2021-11-16): Received Permanent Resident Card and document associated. Exception cleared.


Seller Comment (2021-11-12): Perm resident card
 11/16/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-11-16): Received bank statements from XXXXX, XXXXX and XXXXX account . Verified assets totaling  $XXXX.
Hence exception Cleared .


Seller Comment (2021-11-12): Assets
 11/16/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - There are no documents in the loan files to verify Borrower's Residency status in the US.       Reviewer Comment (2021-11-16): Received Permanent Resident Card and document associated. Exception cleared.


Seller Comment (2021-11-12): Perm resident card
 11/16/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Asset documentation requirements not met.   Per final 1008 and 1003 assets verified totaling $XXXX, missing all assets.       Reviewer Comment (2021-11-16): Received bank statements from XXXXX, XXXXX and XXXXX account . Verified assets totaling  $XXXX
Hence exception Cleared .


Seller Comment (2021-11-12): Assets
 11/16/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided           Reviewer Comment (2021-11-16): Received and associated AUS. Exception cleared.


Seller Comment (2021-11-12): AUS
 11/16/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $88.00 exceeds tolerance of $85.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit Report Fee was last disclosed as $85 on LE but disclosed as $88 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-11-10): Sufficient Cure Provided At Closing
   11/10/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of the AUS       Reviewer Comment (2021-11-18): Received AUS Document and updated in Clarity and Associated. Exception Cleared.


Seller Comment (2021-11-16): AUS
 11/18/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-18): Received UCDP Submission summary report document and Associated. Exception Cleared.


Seller Comment (2021-11-17): The collateral credit risk score is a 1 out of 1-5
 11/18/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-11-18): Received Bank statements and Associated. Exception Cleared.


Seller Comment (2021-11-16): BANK STATEMENTS
 11/18/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   For CLTV >80%, borrower must have the greater of 6mo reserves or reserves determined by DU or LP       Reviewer Comment (2021-11-24): XX/XX/XX Cleared. Sufficient assets documented.


Seller Comment (2021-11-22): BANK STATEMENTS
 11/24/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The file was missing a copy of the AUS       Reviewer Comment (2021-11-17): Received AUS dated XX/XX/XX. Exception cleared.


Seller Comment (2021-11-15): AUS
 11/17/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   The file was missing required asset verification.  Per guidelines, assets to be used for down payment, closing costs, debt payoff, and reserves must be seasoned for 60 days or sourced. Lender to provide additional statement.       Reviewer Comment (2021-11-17): Received asset statement to cover the cash to close requirement. Exception cleared.


Seller Comment (2021-11-15): Assets
 11/17/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. The final CD disclosed the Amount of Non-Escrowed Property Costs over Year 1 as $XXXX on page 4; however the HOA dues total $XXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting the Escrow Account section on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-24): SitusAMC received document used to calculate HOA dues.


Seller Comment (2021-11-23): per our closing dept...The appraisal on this file shows the HOA as $370.00 per year.     The 1003 is showing $$30.80.       The Sales contract is showing HOA dues paid quarterly of $92.41 or $369.64 yearly/30.80 monthly
 11/24/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   For CLTV >80%, borrower must have the greater of 6mo reserves or reserves determined by DU or LP       Reviewer Comment (2021-11-17): Received asset statement to cover the reserves requirement. Exception cleared.


Seller Comment (2021-11-15): Assets
 11/17/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $800.00 exceeds tolerance of $675.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-11-02): Sufficient Cure Provided At Closing
   11/02/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy.   The file was missing a copy of the final title policy.       Reviewer Comment (2021-11-09): Received Final Title with the insurance amount of $1,364,875 and document associated. Hence, exception cleared.
 11/09/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2022-01-31): Fina title provided.


Reviewer Comment (2022-01-31): Updating exception to cancelled.


Reviewer Comment (2021-11-09): Received Final Title with the insurance amount of $1,364,875 and document associated. Hence, exception cleared.


Seller Comment (2021-11-08): XX/XX/XX RF please see attached title  policy with correct loan amount, please clear thank you
 01/31/2022     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   Missing title commitment to read loan amount of $XXXX.       Reviewer Comment (2022-01-31): Title provided with amount.


Reviewer Comment (2022-01-31): .


Reviewer Comment (2021-10-26): Client elects to waive.


Seller Comment (2021-10-26): TITLE COMM WITH LOAN AMT
 01/31/2022     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Data Integrity Property - Appraisal Appraiser's license or certification was not active at the time of the appraisal. - The appraiser's license in the file did not reflect an effective date.       Reviewer Comment (2021-10-19): Lender provided Certificate of License History for the Appraiser that included an effective date for the appraiser.  Updated Clarity - exception is cleared.


Seller Comment (2021-10-18): Please see attached.
 10/19/2021     1 A   XX Primary Purchase   C A A A A A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $20,855.05 exceeds tolerance of $13,133.00.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was  last disclosed as $13,133.00 on LE but disclosed as $20,855.05 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $7,722.05, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-10-13): SitusAMC Received CD and COC dated XX/XX/XX therefore no cure require.
 10/13/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   The application reflects borrower is a Non-Permanent Resident Alien. There was no documentation of a Work Visa provided for this borrower.       Reviewer Comment (2021-11-10): Received Visa verified details and associated. Exception cleared.


Seller Comment (2021-11-09): Work Visa
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   There was no documentation of assets for closing and reserves.       Reviewer Comment (2021-11-10): Received bank statements and Available for Closing $XXXX is sufficient to cover Cash From Borrower $XXXX. Hence, exception cleared.


Seller Comment (2021-11-09): Bank Statements
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $2,471.76 exceeds tolerance of $2,000.00.  Insufficient or no cure was provided to the borrower. Loan Discount Points Fee was  last disclosed as $2,472.00 on LE but disclosed as $2,471.76 on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file.   Provide a post-close CD disclosing the tolerance cure to include $.24, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-22): SitusAMC  Received COC dated XX/XX/XX shows interest rate locked. No cure is needed for LDP


Seller Comment (2021-11-22): COC
 11/22/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 business days of the Note. - VVOE not within 10 business days of Note for employment started on XX/XX/XX.       Reviewer Comment (2021-11-10): WVOE available on file and verified the start and end date, XXXXX and state employment is not an active employment so its not required VOE within 10 days of note date, Exception Cleared


Seller Comment (2021-11-09): VVOE
 11/10/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation FEMA Disaster Issue: The most recent valuation inspection is dated prior to the most recent FEMA disaster.   The property is located in XXXXX.  Provide a Post-disaster inspection verifying there was no damage from Remnants of XXXX.  The inspection must include exterior photos and the property must be re-inspected on or after XX/XX/XX.       Reviewer Comment (2021-10-18): Inspection report dated XX/XX/XX received confirming no damage to property. Exception cleared


Seller Comment (2021-10-15): Please see attached.
 10/18/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Co Borrower electronically signed the Initial LE on XX/XX/XX and signed the E-Consent on XX/XX/XX as well - See Doc ID# XXXX & XXXX       Reviewer Comment (2021-10-19): Lender managed consent date provided.


Reviewer Comment (2021-10-15): Trailing doc highlighted date refers to Lender Managed Consent and doesn't reference the Borrowers' consent to receive docs electronically; exception remains


Seller Comment (2021-10-15): Please see attached.


Seller Comment (2021-10-14): DAIR XX/XX/XX
 10/19/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Documentation verifying borrower & co-borrower Permanent Resident Alien Status was not provided in loan file.       Reviewer Comment (2021-11-22): Received and associated Permanent Resident Alien card for both borrowers . Exception cleared.


Seller Comment (2021-11-19): NON US CITIZEN DOCS
 11/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-11-05): Desk review provided.
 11/05/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $760.00 exceeds tolerance of $725.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $725 on LE but disclosed as $760 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-25): Sufficient Cure Provided At Closing
   10/25/2021   1 A   XX Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,827.50 exceeds tolerance of $2,826.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer Tax Fee was last disclosed as $2,826 on LE but disclosed as $2,827.50 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-25): Sufficient Cure Provided At Closing
   10/25/2021   1 A   XX Primary Purchase Final CD evidences Cure D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXX/ 2 days - CDA - No MLS Sheets       Reviewer Comment (2021-11-03): CDA received and associated the same, exception cleared.


Reviewer Comment (2021-11-02): Valuation Received - XX/XX/XX
 11/03/2021     1 A   XX Primary Purchase   D A A A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Purchase Agreement / Sales Contract not provided   Purchase contract was not provided in loan file       Reviewer Comment (2021-11-05): Document associated & exception cleared.


Seller Comment (2021-11-04): 11/4 MAZ Please rescind, please see attached purchase agreement for the transaction.
 11/05/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   Loan to be securitized.  Acceptable secondary valuation is missing.       Reviewer Comment (2021-11-16): Received Clear Capital CDA dated XX/XX/XX with the value of $XXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.
 11/16/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $950.00 exceeds tolerance of $715.00.  Sufficient or excess cure was provided to the borrower at Closing. A cure of $XXXX needs to be reimbursed to borrower due to no change of circumstance       Reviewer Comment (2021-11-01): Sufficient Cure Provided At Closing
   11/01/2021   1 A   XX Primary Purchase Final CD evidences Cure D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation General Valuation Valuation Product pending   XXXX/ 2 days - CDA - No MLS Sheets       Reviewer Comment (2021-11-16): Received Clear Capital CDA dated XX/XX/XX with the value of $XXXX, which gives variance of 0.00% from the appraised value. Hence, exception cleared.


Reviewer Comment (2021-11-15): Valuation Received - XX/XX/XX
 11/16/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided   The Hazard Insurance Policy was not found in the file.  HOI invoice and CD were used to verify premium.       Reviewer Comment (2021-10-27): Lender provided Homeowners Insurance declarations page.  Exception is cleared.


Seller Comment (2021-10-26): Situs AMC XX/XX/XX MWM Please Rescind and see attached declarations page found in file.
 10/27/2021     1 A   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file disclosed $XXXX of title insurance coverage; however this is less than the loan amount of $XXXX. Provide a copy of the final title policy or a supplemental title report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-10-26): Client elects to waive.
     10/26/2021 2 B   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $493.00 exceeds tolerance of $440.00 plus 10% or $484.00.  Sufficient or excess cure was provided to the borrower at Closing. 10% tolerance was exceeded by $9.00 due to increase in recording fee .  No valid COC provided, cure provided at closing.       Reviewer Comment (2021-10-18): Sufficient Cure Provided At Closing
   10/18/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Realtor Transaction Fee.  Fee Amount of $695.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Realtor Transaction Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, nor evidence of cure.  Provide a post-close CD disclosing the tolerance cure to include $695.00, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-12): SitusAMC received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.
   11/12/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title Document Error Title There is no dollar amount noted on the title policy.   Updated commitment with correct loan amount.       Reviewer Comment (2022-01-31): Title provided with amount.


Reviewer Comment (2022-01-31): .


Reviewer Comment (2021-11-09): Client elects to waive
 01/31/2022     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Verification of Non-US Citizen Status not provided   Permanent Resident Alien Card not provided       Reviewer Comment (2021-11-08): Received Permanent Resident Alien Card and associated in file, Exception cleared.


Seller Comment (2021-11-05): Previous comment is in error


Seller Comment (2021-11-05): Borrower is US Citizen
 11/08/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation 1003 Error: Citizenship Source Documentation  was not provided - No Non-Resident Alien documentation found in the file.       Reviewer Comment (2021-11-08): Non-Resident Alien documentation received in the file. Exception cleared.


Seller Comment (2021-11-05): Previous comment is in error
 11/08/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit 1003 Document Error 1003 Borrower(s) is not a U.S. Citizen, and the guideline required documentation was not provided. - Permanent Resident Alien Card not provided       Reviewer Comment (2021-11-08): Permanent Resident Alien Card received in the file and associated. Exception cleared


Seller Comment (2021-11-05): Previous comment is in error
 11/08/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Bank Statements not provided       Reviewer Comment (2021-11-08): Received bank statements for XXXXX with balance $XXXX and XXXXX with balance $XXXX. Available for closing is sufficient to cover cash from borrower. Hence, exception cleared.


Seller Comment (2021-11-05): Bank Statements
 11/08/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided   1.25% Check Box does not match Final 1003 & 1008, Used Higher value provided by previous UW       Reviewer Comment (2021-11-24): Tax Cert provided - See Doc ID# XXXX


Seller Comment (2021-11-23): Property tax docs provided and used to calculate monthly taxes by Underwriter to qualify. At closing taxes came in higher and borrower qualifies for higher tax amount per review of the JUMBO UW Team.


Reviewer Comment (2021-11-08): Tax amount considered by the underwriter not matching with provided tax certificates, please provide clarification.
Exception remains.


Seller Comment (2021-11-05): tax info
 11/24/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   CDA not provided       Reviewer Comment (2021-11-11): Received UCDP document updated CU score as 1,hence Exception cleared.


Seller Comment (2021-11-10): SSR


Reviewer Comment (2021-11-08): A copy of secondary valuation or UCDP Submission Summary Report reflecting the collateral underwriter score less than 2.5 is not received. Hence, exception remains.


Seller Comment (2021-11-05): Score 1
 11/11/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Bank statements were not provided to verify the assets used to qualify.       Reviewer Comment (2021-11-11): Received IRA account Bank statement associated and updated hence Exception cleared.


Seller Comment (2021-11-10): retirement account


Reviewer Comment (2021-11-08): Statement for Retirement funds of XXXXX is still missing in the file. Exception remains.


Seller Comment (2021-11-05): Assets
 11/11/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records.         Reviewer Comment (2021-11-11): Received Bank statement for IRA account hence Exception cleared.
 11/11/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail.       Reviewer Comment (2021-11-11): Loan designation matches
 11/11/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Bank Statements - Personal not provided   Please provide at least 2 months statements for XXXX.       Reviewer Comment (2021-11-11): Received Bank statement for IRA account associated in clarity, hence Exception cleared.
 11/11/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Missing Document: Gift Letter not provided   Required Gift letter for Cash gift of $XXXX as deposit.       Reviewer Comment (2021-11-22): Received gift letter along with bank statement confirming receipt of funds. Exception cleared


Seller Comment (2021-11-19): Gift letter
 11/22/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Missing Document: Gift Letter not provided   Required Gift letter for Cash gift of $XXXX as deposit.       Reviewer Comment (2021-11-22): Received gift letter along with bank statement confirming receipt of funds. Exception cleared


Seller Comment (2021-11-19): Gift letter
 11/22/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. Required Gift letter to verify the cash gift $XXXX is from a relative       Reviewer Comment (2021-11-22): Received gift letter along with bank statement confirming receipt of funds. Exception cleared


Seller Comment (2021-11-19): Gift letter
 11/22/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. Required Gift letter to verify the cash gift $XXXX is from a relative       Reviewer Comment (2021-11-22): Received gift letter along with bank statement confirming receipt of funds. Exception cleared


Seller Comment (2021-11-19): Gift letter
 11/22/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee.  Fee Amount of $1,290.00 exceeds tolerance of $1,140.00.  Sufficient or excess cure was provided to the borrower at Closing. Administration Fee was last disclosed as $1,140 on LE but disclosed as $1,290 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-19): Sufficient Cure Provided At Closing
   10/19/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $550.00 exceeds tolerance of $425.00.  Sufficient or excess cure was provided to the borrower at Closing. Fee was last disclosed as $425.00 on LE but disclosed as $550.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-20): Sufficient Cure Provided At Closing
   10/20/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Asset Issue:  Gift funds are missing evidence of receipt   Gifts missing the following to meet guidelines:
(1) Missing receipt of gift funds from XXXX in the amount of $XXXXX reflect withdraw on XX/XX/XX but do not reflect in borrower's account.
(2) Missing transfer of funds funds in the amount of $XXXXX from XXXX.  Reflect a XXXXK deposit on XX/XX/XX but missing validation came from a donor.
(3) Missing gift transfer from donor XXXX to borrower in the amount of $XXXX.		       Reviewer Comment (2021-11-02): Documentation provided XX/XX/XX. Exception cleared XX/XX/XX.


Seller Comment (2021-11-01): Proof funds deposited for gifts LOX


Reviewer Comment (2021-10-29): XX/XX/XX Documentation requirement met for gifts from XXXX and XXXX.   Gift from XXXX not cleared cancelled check is payable to XXXX.  Gift from XXXX not cleared have copy of front of check do not have cancelled check.  Exception remains.


Seller Comment (2021-10-28): All documentation in file:

$XXXX gift from XXXXX, brother, has been received and is on deposit (have donors bank statement showing the transfer of funds to borrowers account $XXXX on XX/XX/XX + $XXXX on XX/XX/XX + $XXXX on XX/XX/XX for total of $XXXX.

$XXXX gift from spouse, XXXXX, has been received and is on deposit (have donors bank account transaction history showing the transfer of funds between donor and borrowers account on XX/XX).

$XXXX gift from mother, XXXXX, received XX/XX/XX into XXXXX (also have donors cancelled check).

$XXXX gift from mother in law, XXXXX, received XX/XX/XX into XXXXX (also have donors cancelled check).

XXXXX XX/XX/XX $XXXX; balance includes $XXXX total gift funds from XXXXX ($XXX XX/XX/XX, $XXXX XX/XX/XX & $XXXX XX/XX).
XXXXX XX/XX/XX $XXXX; includes $XXXX gift from XXXXX received XX/XX/XX, $XXXX gift from XXXXX received XX/XX/XX and $XXXX gift from XXXXX received on XX/XX/XX.  Please clear conditions or advise further what documents you can't locate with the closing package we provided.
 11/02/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,250.00 exceeds tolerance of $775.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,250.00 exceeds tolerance of $775.00.  Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-10-20): Sufficient Cure Provided At Closing
   10/20/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $150.00.  Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-10-20): Sufficient Cure Provided At Closing
   10/20/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,000.00 exceeds tolerance of $650.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-10-26): Sufficient Cure Provided At Closing
   10/26/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by $XXXX.   Provide verification of policy with sufficient coverage OR provide copy of insurer's replacement cost estimate supporting current coverage amount.       Reviewer Comment (2021-11-04): Received replacement cost estimator document and verified. Exception Cleared.


Seller Comment (2021-11-03): per the letter, the Dwelling coverage is exactly equal to the estimated replacement cost of the property, so there is no issue here.
 11/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Due to missing third party verification.       Reviewer Comment (2021-11-15): Received internet search of borrower business within 10 days of note. Exception cleared


Reviewer Comment (2021-11-08): Third party verification document is required for XXXXX Consultant. Website search result is not valid as third party verification. Exception remains.


Seller Comment (2021-11-05): ATR/QM has been provided-Please Advise


Reviewer Comment (2021-11-04): Third party verification is missing on file for business XXXXX consultant. Exception Remains.
 11/15/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $99.00 exceeds tolerance of $98.00.  Sufficient or excess cure was provided to the borrower at Closing. Final Closing Disclosure dated XX/XX/XX reflects state tax/stamps in the amount $99       Reviewer Comment (2021-10-28): Sufficient Cure Provided At Closing
   10/28/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records. Third Party Verification was not provided       Reviewer Comment (2021-11-15): Received internet search of borrower business within 10 days of note. Exception cleared


Seller Comment (2021-11-11): Please see attached.


Reviewer Comment (2021-11-08): Third party verification document is required for XXXXX Consultant. Website search result is not valid as third party verification. Exception remains.


Seller Comment (2021-11-05): Document showing borrower and company was provided-Please advise


Reviewer Comment (2021-11-04): Third party verification is missing on file for business XXXXX consultant. Exception Remains.
 11/15/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. Evidence of earlier borrower receipt was not found in file.       Reviewer Comment (2021-11-05): SitusAMC received proof of receipt.  Exception is cleared.


Seller Comment (2021-11-03): LE was sent on XX/XX/XX
 11/05/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Loan Estimate Timing TILA-RESPA Integrated Disclosure: Loan Estimate not delivered or placed in the mail to Borrower(s) within three (3) business days of application. Per loan file, application date was XX/XX/XX.  Earliest LE in loan file is dateXX/XX/XX.       Reviewer Comment (2021-11-15): SitusAMC received initial LE.


Seller Comment (2021-11-11): Please see attached.


Reviewer Comment (2021-11-11): SitusAMC received the XX/XX/XX ereceipt on the XX/XX/XX LE.  However, the application date is XX/XX/XX and initial LE due to borrower by XX/XX/XX and if received electronically the e-consent also by XX/XX/XX.  XX/XX/XX is the earliest LE in file.  Provide the noted XX/XX/XX LE which is missing from file.


Seller Comment (2021-11-09): this was originally disclosed on XX/XX/XX and then the entire package was re-disclosed and the LE with the NOLC was provided adding the co-borrower
 11/15/2021     1 A   XX Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,600.00 exceeds tolerance of $1,000.00.  Insufficient or no cure was provided to the borrower. A COC is dated XX/XX/XX regarding the increase however the increase was not disclosed until XX/XX/XX LE. Please provide a corrected CD, LOE, refund check, and proof of mailing to cure.       Reviewer Comment (2021-11-16): SitusAMC received LE & COC dated XX/XX/XX


Seller Comment (2021-11-15): The LE was sent to all borrowers on XX/XX/XX per confirmation attached to document. The LE was sent electronically to the borrowers on the same date it was issued (XX/XX/XX), which satisfies TRID guidelines. We do not have control over when the borrowers sign the document.
 11/16/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $99.00 exceeds tolerance of $98.00.  Insufficient or no cure was provided to the borrower. A cure was provided at close.       Reviewer Comment (2021-11-15): A cure was provided at close.
 11/15/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis.  Fee Amount of $150.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. The Appraisal Fee paid to Clear Capital was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-11-02): Sufficient Cure Provided At Closing
   11/02/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Title General Title Final Title Policy Coverage is less than Original Loan Amount.   The preliminary title report in file did not disclose the amount of title insurance coverage.  Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount.       Reviewer Comment (2021-11-10): Received Title Commitment dated XX/XX/XX  with policy amount updated the details. Exception Cleared


Seller Comment (2021-11-08): Title
 11/10/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - AUS requires the prior years W2, documentation was missing from the loan file.       Reviewer Comment (2021-11-11): Received 1099 for XXXXX for employment at XXXXX and XXXXX. XXXXX w-2 for the XXXXX is also in the file. Exception cleared.


Seller Comment (2021-11-10): XXXXX W2 for XXXXX was uploaded on XX/XX/XX. Please clear this condition


Reviewer Comment (2021-11-09): W-2 of employer XXXXX for the borrower XXXXX is not received .
Exception remains.


Seller Comment (2021-11-08): W2s
 11/11/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $495.00 exceeds tolerance of $425.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $425 on LE but disclosed as $495 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-28): Sufficient Cure Provided At Closing
   10/28/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Title Title Policy is Preliminary or Commitment, and not a Final Title Policy. Title Evidence: ___ The file was missing a copy of the final title policy.       Reviewer Comment (2021-12-03): Bank Statements provided - See Doc ID# XX, XX & XX
 12/03/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $625.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Fee was last disclosed as $450.00 on LE but disclosed as $625.00 on Final Closing Disclosure.  File does not contain a valid COC for this fee, a cure of $175 was provided at closing - See Doc ID# 98       Reviewer Comment (2021-11-23): Sufficient Cure Provided At Closing
   11/23/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   No asset documentation found in file       Reviewer Comment (2021-12-03): Bank Statements provided


Seller Comment (2021-12-02): BANK AND IRA STATEMENT
 12/03/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Loan designation failure is due to QM failure. The exception will be cleared once all QM specific exceptions have been cleared/cured.       Reviewer Comment (2021-12-03): Lender sent required Bank Statements for Purchase
 12/03/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Assets General QM: Unable to verify assets using reasonably reliable third-party records. No asset documentation found in file. Unable to source EMD       Reviewer Comment (2021-12-03): Lender sent Bank Statements and 401(k) Statement as listed on Final 1003


Seller Comment (2021-12-02): REO DOCS : XXXXX
 12/03/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - All REO documents for Departing Residence not provided - Mortgage Statement, Insurance and Tax documents       Reviewer Comment (2021-12-03): Lender send Tax, Insurance, HOA and Mortgage Statement


Seller Comment (2021-12-02): REO DOCS : XXXXX
 12/03/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - The Mortgage Statement was not found in the file for the property located at XXXXX.       Reviewer Comment (2021-11-30): Received mortgage statement for XXXXX updated the details. Exception Cleared


Seller Comment (2021-11-26): mort stmt
 11/30/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS not provided       Reviewer Comment (2021-07-29): Received AUS and information updated in AUS tab. Cleared


Buyer Comment (2021-07-26): AUS for review
 07/29/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Eligibility Guideline There are red flags on the fraud report that have not been addressed - REd flags on fraud report have not been addressed. Auto Refer - ID/App Verify       Reviewer Comment (2021-10-14): Received Fraud Report with all High Alerts address. Exception clear.


Buyer Comment (2021-10-12): Fraud reports are uploaded and are all passing with no red flags unaddressed.  Provided a current Fraud Report post closing to further certify that all red flags are cleared.  Please clear this exception.


Reviewer Comment (2021-10-12): Provided one is compliance report , we need fraud report with clearing high alerts mention in below comment of XX/XX/XX , Exception remains.


Buyer Comment (2021-10-07): Updated Fraud Report for review


Reviewer Comment (2021-10-07): Provide an updated Fraud report clearing High Alerts with Code # 6102 , 6100 & 1507. all this are in open status. Exception Remains.


Buyer Comment (2021-10-06): Please advise exactly what red flags need to be addressed. The High alerts showed possible new debt hence new Inquiries LOE were provided


Reviewer Comment (2021-10-06): We need red flags to be addressed from fraud report of submission date XX/XX/XX of fraud report , LOE provided is for credit report inquiries , Exception remains.


Buyer Comment (2021-10-04): Inquiries were already addressed. LOE for review


Reviewer Comment (2021-09-30): Red flags (High and Medium) needs to be addressed or clear from the fraud report which submission date was XX/XX/XX , Exception remains.


Buyer Comment (2021-09-29): Could you please let XXXX know what red flags needs to be addressed. AMC needs to tell us since its your condition. Thanks for your help


Reviewer Comment (2021-09-29): We will not accept fraud report with submission date of XX/XX/XX as there was another report pulled post that on XX/XX/XX which had the red flags . So need fraud report post XX/XX/XX showing no red flags, Exception remains.


Buyer Comment (2021-09-28): Final Drive Report for review. The report has all passes.


Reviewer Comment (2021-08-16): please review the fraud report


Buyer Comment (2021-08-11): Please be specific on what the red flag(s) are.
 10/14/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - Asset date for account XXXXX is more than 90 days prior to closing       Reviewer Comment (2021-10-26): Cleared


Reviewer Comment (2021-10-26): Document uploaded on XX/XX/XX is not legible cannot see an details. We have XXXXX statement for XX/XX/XX - XX/XX/XX. Provide additional 1 month consecutive statement. Exception Remains.


Buyer Comment (2021-10-22): Another try for XXXXX


Reviewer Comment (2021-10-12): Still it shows in blurry and zoomed off format , we are not able to verify anything from given statement , Exception remains.


Buyer Comment (2021-10-07): May Statement for review. I can view this one clearly.


Reviewer Comment (2021-10-07): Bank Statement provided is for the month of XX/XX/XX i.e., from XX/XX/XX to XX/XX/XX. The other one which was forwarded on XX/XX/XX was not visible/blurry as that was totally zoomed off and same was uploaded again. Exception remains.


Buyer Comment (2021-10-06): You have the May statement in the file since XX/XX/XX....Please clear


Reviewer Comment (2021-10-06): XXXXX statement for account #XXXXX is not visible due to pages seems to be small picture , please provide clear and visible statement , Exception remains.


Buyer Comment (2021-10-05): AMC has had the XXXXX statement since XX/XX/XX. This file is aged. XXXXX Statement for review. Please clear


Reviewer Comment (2021-10-05): Received only 1 month for #XXXXX from XX/XX/XX to XX/XX/XX , we required at least 2 months consecutive statement which is acceptable , Exception remains.


Buyer Comment (2021-10-01): XXXXX June statement for review


Reviewer Comment (2021-09-30): XXXXX account not provided


Reviewer Comment (2021-09-30): Received documents which were already present in file ,Did not received required documents , please provide recent most 2 months consecutive bank statement for account #XXXXX  or #XXXXX instead , Exception remains.


Buyer Comment (2021-09-29): Assets for review


Reviewer Comment (2021-09-22): please provide requested documentation in the comment below


Reviewer Comment (2021-09-16): Thank you for Statment, however XXXXX Stmt provided is for Acct #XXXXX (and only 1 month given Dated XX/XX/XX - XX/XX/XX)  The XXXXX statment needed is Acct #XXXXX).  If using #XXXXX instead, must provide two months (consecutive)


Buyer Comment (2021-09-08): XXXXX statement for review


Reviewer Comment (2021-08-16): This condition is not about being short assets, it is about the account statement for XXXXX, being aged greater than 90 days


Buyer Comment (2021-08-11): Per your Assets in Acuity you have $XXXX left for reserves after EMD and Down Payment


Reviewer Comment (2021-08-04): Documents provided do not include an updated statement for the account noted.  Condition remains open.


Buyer Comment (2021-07-26): XXXXX April and May
 10/26/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Appraisal Disclosure - ECOA Status ECOA - File does not evidence the consumer was provided with the right to receive a copy of the Appraisal Disclosure. Borrower was not provided with the right to receive a copy of the Appraisal Disclosure       Reviewer Comment (2021-08-04): Cleared


Buyer Comment (2021-07-27): Right to receive Copt of Appraisal
 08/04/2021     1 A   XX Primary Purchase Good faith redisclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Safe harbor QM(APOR) does not match Due Diligence designation of QM (APOR) risk       Reviewer Comment (2021-09-28): Cleared
 09/28/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Missing RESPA Disclosure Rule (Dodd-Frank 2014): Creditor did not provide List of Homeownership Counseling Organizations to borrower. Creditor did not provide List of Homeownership Counseling Organizations       Reviewer Comment (2021-08-04): Cleared


Buyer Comment (2021-07-27): Homeownership for review
 08/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Closing disclosure not provided at least 3 business days before closing       Reviewer Comment (2021-08-04): Cleared


Buyer Comment (2021-07-27): Initial Cd for review
 08/04/2021     1 A   XX Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $28,325.84 may be required. Loan Estimate not provided. Closing disclosure used as the estimated baseline for Tolerance testing       Reviewer Comment (2021-08-04): Cleared


Buyer Comment (2021-07-27): LE for review
 08/04/2021     1 A   XX Primary Purchase No Defined Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Guideline Requirement: Available for Reserves discrepancy.   Calculated Available for Reserves of $XXXX is less than Guideline Available for Reserves of $XXXX (12 x subject PITI XXXX) + (6 mo x REO PITI XXXX)       Reviewer Comment (2021-10-27): cleared


Buyer Comment (2021-10-26): XXXXX shows $XXK should be enough for Reserves


Reviewer Comment (2021-10-26): Exception Explanation Updated from: Calculated Available for Reserves of $XXXXX is less than Guideline Available for Reserves of $XXXX


Reviewer Comment (2021-10-05): Please provide XXXXX 2 months consecutive statement for account #XXXXX and #XXXXX , #XXXXX account statement expired 90 days prior  note date and #XXXXX listed on 1003 and only 1 month provided (XX/XX/XX) , also reserve requirement not getting fulfill , Exception remains.


Buyer Comment (2021-10-01): Updated Assets should be sufficient for Reserves


Reviewer Comment (2021-08-04): Updated assets - condition remains


Buyer Comment (2021-07-27): XXXXX, XXXXX, 401K for review


Buyer Comment (2021-07-27): XXXXX
 10/27/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Calculated investor qualifying total debt ratio of XX% exceeds Guideline total debt ratio of XX%.       Reviewer Comment (2021-09-28): Received updated information. Cleared.


Buyer Comment (2021-09-21): The overall DTI on this loan is XX%.  Please ensure that you are following the guideline on this that allows for the child support / sep maintenance to be subtracted from the payor's income as it is auto deducted each paycheck rather than added as a separate liability as you are showing it now.  Please adjust the income for XXXX to reflect 6519.22 monthly MINUS $159 Monthly CS = 6360.22 and remove the $159 CS from the liabilities. Once that is done your DTI will match ours at XX% and the DTI and AUS DTI exceptions will be resolved.   using the income reduced by the child support as allowed by the guidelines results in income for the CB of 6360.22 and DTI of XX%.  See below guideline for reference:                      b3-6-05  Alimony, Child Support, and Separate Maintenance Payments:  A copy of the divorce decree, separation agreement, court order, or equivalent documentation confirming the amount of the obligation must be obtained and retained in the loan file.

For alimony and separate maintenance obligations, the lender has the option to REDUCE THE QUALIFYING INCOME BY THE AMOUNT OF THE OBLIGATION in lieu of including it as a monthly payment in the calculation of the DTI ratio.


Reviewer Comment (2021-08-04): Audit reflects higher debt than reflected on 1008


Buyer Comment (2021-07-27): Income Calcs for review
 09/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. Based on DTI, the loan is at QM risk       Reviewer Comment (2021-09-28): Cleared
 09/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both moderately exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% moderately exceeds the guideline maximum of XX%. (DTI Exception is eligible to be regraded with compensating factors.)         Reviewer Comment (2021-09-28): Cleared


Buyer Comment (2021-09-21): DTI of XX% is within tolerance of the AUS and is within the threshold of XX% DTI.
 09/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   DTI is over max guideline       Reviewer Comment (2021-09-28): Received updated information. Cleared.


Buyer Comment (2021-09-21): Final DTI once the Child Support obligation is subtracted from the CB income rather than added as a liability which is allowed per the guides, is XX which is within tolerance of the AUS and this exception should be resolved.


Reviewer Comment (2021-08-27): Total debts $XXXX / total income $XXXX = XX%
PITIA:  $P&I $XXXX + tax $XXXX + HOI $XXXX + HOA $XXXX = $XXXX
Other debts:  consumer $XXXX (137+29+25+20+29+159+502.24) + REO neg rent -XXXX ($XX%=XXXX net rents PITIA $XXXX + XXXX +HOA 50=$XXXX)
The 1008 has a comment about income based student loan payment documentation to exclude the payment.  The loan documents in the file indicate a monthly payment of $XXXX, which matches the amount disclosed on the 1003 and included in ratios.  The maximum DTI for an AUS E1 loan is XX%.


Buyer Comment (2021-08-17): Not for E1 loans following DU Findings. Please clear


Reviewer Comment (2021-08-16): The Max DTI is XX%, which the audit DTI Exceeds.


Buyer Comment (2021-08-09): This is well within the Tolerance per FNMA guides
 09/28/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title- Technology Fee.  Fee Amount of $10.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Final; Closing Disclosure discloses Lender's cure credit for tolerance       Reviewer Comment (2021-11-01): Sufficient Cure Provided At Closing
   11/01/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Reinspection Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Final; Closing Disclosure discloses Lender's cure credit for tolerance       Reviewer Comment (2021-11-01): Sufficient Cure Provided At Closing
   11/01/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   E2 Premier Jumbo Full Doc AUS Express       Reviewer Comment (2021-11-04): Cleared


Buyer Comment (2021-11-03): Uploaded AUS.
 11/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit TRID Document Error TRID Gift Funds reflected on the CD, however supporting documentation was not found in file.   Missing copy of source verification and donor's (XXXXX) for $XXXX (of total $XXXX Gift Funds disclosed on CD).    Documentation in file does not support funds are not from joint account held by Borrower and Donor       Reviewer Comment (2021-11-04): Cleared


Buyer Comment (2021-11-03): Uploaded documentation.
 11/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval not provided       Reviewer Comment (2021-11-04): Cleared


Buyer Comment (2021-11-03): Uploaded approval.
 11/04/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Credit Missing Document: Compliance Report (Mavent, ComplianceEase, etc.) not provided           Reviewer Comment (2021-09-14): Received Compliance Report. Exception clear.


Buyer Comment (2021-09-13): Mavent prior to closing


Reviewer Comment (2021-09-09): Received compliance report however it is post dated to note date , Exception remains.


Buyer Comment (2021-09-08): Mavent for review
 09/14/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Wages General QM: Unable to verify current Wages / W-2 employment status using reasonably reliable third-party records.         Reviewer Comment (2021-09-13): Cleared


Buyer Comment (2021-09-13): Please see uploaded doc
 09/13/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Income and Assets - Wages General QM:  Unable to verity income due to, missing  W-2, Paystub, LES, ETS or WVOE.         Reviewer Comment (2021-09-28): Cleared


Buyer Comment (2021-09-27): There is a newer contract uploaded that is dated on XX/XX/XX that shows the start date of XX/XX/XX.  Please clear the condition so we can get this loan purchased asap.  Thank you!


Reviewer Comment (2021-09-23): The LOE is not going to work,  we need something third party


Buyer Comment (2021-09-14): LOE from Borrower


Reviewer Comment (2021-09-13): Do you have anything dated closer to closing regarding the new employment? A voe or anything? The letter is dated from April.


Buyer Comment (2021-09-07): Paystubs and W-2s
 09/28/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: -         Reviewer Comment (2021-09-09): Borrower has joined new employment just now XX/XX/XX , we have Employer letter in file , Exception cleared.


Buyer Comment (2021-09-08): Signed Offer Letter for review
 09/09/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. The only CD in the loan file is dated the same day as closing.       Reviewer Comment (2021-09-16): Initial CD provided.


Buyer Comment (2021-09-15): Fee never changed Initial LE for review


Buyer Comment (2021-09-08): Initial CD for review
 09/16/2021     1 A   XX Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). Finance Charge disclosed is $624,323.75, and the Calculated finance charge is $624,909.75.  Variance of $586.00. Based on review of Lender's compliance report, a fee was not included in finance charge disclosed to borrower.       Reviewer Comment (2021-09-29): SitusAMC received Corrected CD and LOE to borrower moving fee to Section H, borrower chosen attorney fee.


Buyer Comment (2021-09-29): This Attorney Fee has been moved to Sec H and Attestation for review. The Borrower chose to shop for a Attorney therefore the fee is not included in the Finance charge. SSPL was provided to show this


Reviewer Comment (2021-09-28): SitusAMC received SSPL disclosure.  However, SSPL disclosure would not address the Buyer's Attorney Fee in Section C for $775 not being a Finance Charge.  SSPL would only relate to Good Faith tolerance of fees and Finance Charge is a separate regulation and calculation of finance charges.  If lender feels fee is not a finance charge, provide an Attestation from the title company/Settlement agent confirming the purpose of the fee and why it would not be a Finance Charge, otherwise cure is due.


Buyer Comment (2021-09-21): SSPL for review


Reviewer Comment (2021-09-17): The Buyers Attorney Review Fee is considered a finance charge per review guidelines.  Cure required.


Buyer Comment (2021-09-08): Mavent for review
 09/29/2021     1 A   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TILA-RESPA Integrated Disclosure: application date on or after 10/3/2015, no Loan Estimates in the Loan File TILA-RESPA Integrated Disclosure: Loan Estimate not provided within loan images to evidence delivery to the Borrower(s).  The earliest Closing Disclosure provided in the loan file was used as the estimated baseline for Tolerance Testing.  Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $11,347.20 may be required. Depending on the actual values on the initial Loan Estimate, a fee tolerance cure of up to $11,347.20 may be required.       Reviewer Comment (2021-09-13): SitusAMC received the initial LE, exception is cleared.


Buyer Comment (2021-09-08): LE for review
 09/13/2021     1 A   XX Primary Purchase No Defined Cure C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance RESPA RESPA Disclosure - List of Homeownership Counseling Organizations Not Provided Within 3 Business Days of Application RESPA Disclosure Rule (Dodd-Frank 2014): List of Homeownership Counseling Organizations not provided to applicant within three (3) business days of application. Confirmed the Homeowner Counseling Org disclosure was not provided to the borrower within 3 business days of the application.       Buyer Comment (2021-09-16): Sprout has elected to waive this exception.


Reviewer Comment (2021-09-13): this is the same disclosure that is in the file.  please provide the one that was given to the borrower within 3 days of application


Buyer Comment (2021-09-08): Homeownership Counseling for review
     09/16/2021 2 B   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Due to missing documentation, the loan designation was determined to be QM (APOR) Fail       Reviewer Comment (2021-09-28): Cleared


Buyer Comment (2021-09-27): There is an update date contact with the executed date of XX/XX/XX with a start date of XX/XX/XX.  Please clear this conditon.


Reviewer Comment (2021-09-23): provided LOE is not going to work


Reviewer Comment (2021-09-13): this is a waterfall condition


Buyer Comment (2021-09-13): Please see uploaded docs
 09/28/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Borrower did not sign a document at closing indicating they received the Appraisal 3 days prior to closing.       Reviewer Comment (2021-09-13): Cleared


Buyer Comment (2021-09-08): Appraisal Delivery for review
 09/13/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Valuation Valuation Issue Valuation The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal   The effective date on the AVM is XX/XX/XX.       Reviewer Comment (2021-09-23): Cleared


Buyer Comment (2021-09-22): XX/XX/XX was the appraisal used, not XX/XX/XX


Reviewer Comment (2021-09-17): As per effective date of Primary appraisal XX/XX/XX , AVM effective date should be same as primary appraisal , Exception remains.


Buyer Comment (2021-09-15): Appraisal was updated on XX/XX/XX


Reviewer Comment (2021-09-14): Please provide updated AVM with correct effective date. Exception remains.


Reviewer Comment (2021-09-09): Effective date of AVM should be same as per effective date of primary appraisal i.e., XX/XX/XX , Exception remains.


Buyer Comment (2021-09-08): ARR has XX/XX/XX which is correct
 09/23/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. No VCC was located in the loan file to explain the addition of the fee.  Cure is required.       Reviewer Comment (2021-09-17): SitusAMC received  VCC, exception is cleared.


Buyer Comment (2021-09-17): Exe CD has cure at closing


Reviewer Comment (2021-09-17): SitusAMC received SSPL. Borrower was unable to shop for service. Valid changed circumstance for the addition of the desk review fee or cure is required.


Buyer Comment (2021-09-16): SSPL for review


Buyer Comment (2021-09-15): SSPL for review
 09/17/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. -         Reviewer Comment (2021-09-14): Borrower has joined new employment "XXXXX" on XX/XX/XX which comes after the closing date and we have Employer Letter in the file to confirm that. Exception clear.
 09/14/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $155.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-09-17): Sufficient Cure Provided At Closing
   09/17/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation Unable to determine if the borrower signed a valuation receipt acknowledgment due to missing information. need delivery       Reviewer Comment (2021-09-23): Cleared
 09/23/2021     1 A   XX Primary Purchase   C B C A C B C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Loan Package Documentation Missing Document: Forbearance Agreement not provided           Reviewer Comment (2021-09-15): Received Forbearance Agreement  , Exception cleared.


Buyer Comment (2021-09-14): Forbearance for review
 09/15/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. No evidene located in file that borrowers were provide a copy of Appraisal Report.       Reviewer Comment (2021-09-21): Cleared


Buyer Comment (2021-09-14): Appraisal Delivery for review
 09/21/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,926.25 exceeds tolerance of $1,737.00 plus 10% or $1,910.70.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-09-08): Sufficient Cure Provided At Closing
   09/08/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A B A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Credit Insufficient Verification of Rental History.   Ten months rent history documented with VOR. Minimum 12 months housing history verified with institutional VOR and 12 months cancelled checks 0X30 not provided       Reviewer Comment (2021-09-30): Cleared


Buyer Comment (2021-09-23): Uploaded Institutional VOR and Lease agreement. Uploaded XXXXX Transaction history of rental payments made by borrower.
 09/30/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - ___ Income Docs Missing. VVOE not provided for former employment       Reviewer Comment (2021-09-30): Cleared


Buyer Comment (2021-09-30): Previous employment history has been provided with 2 years W2s and the AUSW uploaded does not require the previous WVOE. Therefore pl;ease clear.


Reviewer Comment (2021-09-24): We need complete 2 yrs of employment history , current employment is not covering 2 yrs , hence we require previous employment history with start and end date from VVOE , Exception remains.


Buyer Comment (2021-09-23): Uploaded W2 foe XXXXX and XXXXX which has current a previous employment covering 2 years. The Employment and Income section of the AUS states income can be calculated using a Paystub and W2 from the prior year. The AUS does not require a VOE from previous employer in the employment and income section.
 09/30/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,594.40 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Loan Discount points fee tolerance of $5,594.40 exceeds tolerance of $0.00. No cure was provided to the borrower       Reviewer Comment (2021-09-24): SitusAMC has received valid changed circumstance for fee increase.


Buyer Comment (2021-09-23): Uploaded COC
 09/24/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Guideline Guideline Issue Guideline Borrower has been on current job less than 2 years, and prior employment history was not documented as required. - Borrower has been on current job less than 2 years, and prior employment history was not documented as required.       Reviewer Comment (2021-09-30): Cleared


Buyer Comment (2021-09-30): The previous employment is verified by W2's and does not require a WVOE. The two year employment history has been provided. Please see upload of AUS  from other Exception  issue which will validated this. Please clear


Reviewer Comment (2021-09-24): We need complete 2 yrs of employment history , current employment is not covering 2 yrs , hence we require previous employment history with start and end date from VVOE , Exception remains.


Buyer Comment (2021-09-23): Uploaded W2 foe XXXXX and XXXXX which has current a previous employment covering 2 years. The Employment and Income section of the AUS statesincome can be calculated using a Paystub and W2 from the prior year.
 09/30/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS reflecting Approve/Ineligible is missing from file.       Reviewer Comment (2021-09-30): Cleared


Buyer Comment (2021-09-23): Uploaded AUS
 09/30/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Documentation Insurance Flood Insurance Error: Insurance premium was not provided.   The flood insurance policy document is missing and needs to be provided       Reviewer Comment (2021-09-24): Document received. Exception clear.


Buyer Comment (2021-09-23): Uploaded Flood Insurance
 09/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   The AUS need to be provided as required by the type of loan       Reviewer Comment (2021-10-07): Provided.


Buyer Comment (2021-10-01): Uploaded AUS XX/XX/XX


Reviewer Comment (2021-09-30): AUs provided is post close and is unacceptable


Buyer Comment (2021-09-23): Uploaded AUS.
 10/07/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Documentation Insurance Missing Document: Flood Insurance Policy not provided   The flood Insurance policy is found missing, this document needs to provided       Reviewer Comment (2021-09-24): Document received. Exception clear.


Buyer Comment (2021-09-23): Uploaded flood Insurance
 09/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Source of Funds/Deposit not provided   Document was found missing       Reviewer Comment (2021-09-24): Received check. Exception clear.


Buyer Comment (2021-09-23): Uploaded Source of funds.
 09/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.         Reviewer Comment (2021-09-24): Document received. Exception clear.


Buyer Comment (2021-09-23): Uploaded third party verification
 09/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - Schedule C General QM: Unable to verify current Sole Proprietorship status using reasonably reliable third-party records.         Reviewer Comment (2021-09-24): Document received. Exception clear.


Buyer Comment (2021-09-23): Uploaded third party verification
 09/24/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Due to missing documentation, the loan designation is QM (APOR) Fail       Reviewer Comment (2021-09-24): Document received. Exception clear.
 09/24/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Legal / Regulatory / Compliance Title / Lien Defect Legal / Regulatory / Compliance Final Title Policy is missing. No evidence of title in file.   The Title Preliminary document was not found and needs to be provided       Reviewer Comment (2021-09-27): Considered , exception cleared.


Buyer Comment (2021-09-24): Page 1 first paragraph states the Alta Loan policy in the amount indicated above and insuring the aforesaid named insured. Under RE: Borrower the loan amount $XXXX is the amount referenced. Therfore insured for that amount and is correct. Please clear


Reviewer Comment (2021-09-24): Provided document does not have the policy amount updated. Exception remains.


Buyer Comment (2021-09-23): Uploaded Title Report
 09/27/2021     1 A   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Allow appraisal to be ordered through XXXX vs. program requirement that for all Wholesale loans appraisals are ordered through a XXXX Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.		 Lender comp factor Owner

Owner,Originator		 Reviewer Comment (2021-09-15): Lender granted an exception
     09/15/2021 2 B   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Private party VOR provided showing zero late payments vs. program requirement that VORs from a third party must be supported with cancelled checks, monthly bank statements etc. for the last 12 mo including but not limited to the month prior to the note date of the transaction.  Per signed LOE from seller, borrower moved in early due to needing to vacate prior residence.  A verbal agreement was made that the seller would not collect rent until the purchase closed, but it was delayed so a payment of $XXX (for XX/XX/XX through XX/XX/XX) was made with agreement that no further rent would be due until the loan closed. Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.		 Lender comp factor Owner

Owner,Originator		 Reviewer Comment (2021-09-15): Lender granted an exception
     09/15/2021 2 B   XX Primary Purchase   C B C B C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS not provided       Reviewer Comment (2021-10-13): Cleared


Buyer Comment (2021-10-05): see aus - added for your review
 10/13/2021     1 A   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Guideline The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file.   VOR for the rent history after sale of primary residence (3 months), not provided       Reviewer Comment (2021-10-13): cleared


Buyer Comment (2021-10-05): XXXXX rent paid XX/XX/XX see bank statement added for your review.


Buyer Comment (2021-10-05): See borrower LOE for payment of rents.


Buyer Comment (2021-10-05): see bank statements, borrower rent payment XXXXX and XXXXX
 10/13/2021     1 A   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Guideline Aged document: Credit Report  is more than 90 days prior to the note date. - Credit report is more that 90 days prior to note date Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has been employed in the same industry for more than 5 years.

The representative FICO score exceeds the guideline minimum by at least 40 points.		 Comp Factors used to waive exception Owner

Owner

Owner

Owner,Originator		 Reviewer Comment (2021-11-02): Comp factors used to waive exception


Buyer Comment (2021-10-26): approved exception added


Reviewer Comment (2021-10-13): Per XXXX guidelines Credit reports are to be no older than 90 days.  Section 5.2


Buyer Comment (2021-10-05): FNMA Allows for 120 days per B1-1-03, Allowable Age of Credit Documents, credit refresh not required at closing
     11/02/2021 2 B   XX Primary Purchase   C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $1,667.43 exceeds tolerance of $579.00.  Insufficient or no cure was provided to the borrower. Loan discount points fee amount of $1,667.43 exceeds tolerance of $579.00. No cure was provided to the borrower       Reviewer Comment (2021-10-05): SitusAMC Received COC dated XX/XX/XX therefore no cure require.


Buyer Comment (2021-10-05): coc added for your review - loan lock extended
 10/05/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. Amount of non escrowed property costs over 1 year of $XXX is not accurate. The monthly HOA fee of $XXXX over the 12 month period would equal $XXXX       Reviewer Comment (2021-10-11): SitusAMC received a PCCD correcting non escrowed property costs and LOE.


Buyer Comment (2021-10-06): see proof of delivery


Buyer Comment (2021-10-06): see corrected PCCD / LOE


Buyer Comment (2021-10-06): see estoppel updated which reflect association dues on pg 2 as 537.80/monthly x 11 = $5915.80.
   10/11/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C B C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Approval not provided   Approval not provided       Reviewer Comment (2021-09-22): Received approval document however rate is mismatch with note and 1008 , Exception remains.


Buyer Comment (2021-09-21): Uploaded approval.
 09/22/2021     1 A   XX Primary Purchase   C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS not provided       Reviewer Comment (2021-10-20): cleared


Buyer Comment (2021-10-12): Uploaded screen shot of Disclosure Tracking screen showing documents were ordered at XXXXX after the time of the AUS at XXXXX.


Reviewer Comment (2021-10-07): The AUS was run at XXXXX on the same day as the Note.  Verification required to document when the closing documents were ordered to verify the AUS is prior to consummation of the loan documents.


Buyer Comment (2021-09-30): Uploaded AUS dated XX/XX/XX.


Reviewer Comment (2021-09-30): The AUS provided is dated XX/XX/XX, which is 1 day after the Note date of XX/XX/XX.  Provide a valid AUS dated on or prior to the Note date.


Buyer Comment (2021-09-21): Uploaded AUS.
 10/20/2021     1 A   XX Primary Purchase   C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Allow rental housing payment history documented with 15 months of cancelled checks without a VOR vs program requirement that housing history VOR from an institutional third party must be supported with cancelled checks for the last 24 months The representative FICO score exceeds the guideline minimum by at least 40 points.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has verified disposable income of at least $2500.00.

Borrower has been employed in the same industry for more than 5 years.		 Credit score is XXXX, XXXX points > program requirement of XXXX
DTI is XX, XX% < program maximum of XX%
No public records		 Owner

Owner

Owner

Owner

Owner,Originator		 Reviewer Comment (2021-09-16): Compensating Factors used to waive Exception.
     09/16/2021 2 B   XX Primary Purchase   C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Appraisal Reconciliation Value Discrepancy Appraisal Reconciliation Loan is missing secondary valuation product required for securitization.           Reviewer Comment (2021-09-22): As per SSR report Cu score is  1 which is less than 2.5 , Exception cleared.


Buyer Comment (2021-09-22): Uploaded FNMA SSR reflecting score of 1.
 09/22/2021     1 A   XX Primary Purchase   C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. Safe Harbor QM (APOR) does not match Due diligence loan designation of QM (APOR) Fail. Unable to verify using reliable third party records       Reviewer Comment (2021-10-20): Cleared


Buyer Comment (2021-10-12): Uploaded screen shot of Disclosure Tracking screen showing documents were ordered at XXXXX after the time of the AUS at XXXXX.


Reviewer Comment (2021-10-07): Will review once verification of documents were ordered after the submission time of the AUS provided.


Buyer Comment (2021-09-30): Uploaded AUS dated XX/XX/XX.


Reviewer Comment (2021-09-30): Valid AUS required to clear this exception.


Buyer Comment (2021-09-22): This is a waterfall finding related to other findings for which documentation has been provided.
 10/20/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. Unable to verify current status using reliable third party records. Third party verification or CPA letter not provided       Reviewer Comment (2021-10-20): Cleared


Buyer Comment (2021-10-12): Uploaded screen shot of Disclosure Tracking screen showing documents were ordered at XXXXX after the time of the AUS at XXXXX.


Reviewer Comment (2021-10-07): Will review once verification of documents were ordered after the submission time of the AUS provided.


Buyer Comment (2021-09-30): Uploaded AUS dated XX/XX/XX.


Reviewer Comment (2021-09-30): Valid AUS or business transcripts required to clear this exception.


Buyer Comment (2021-09-22): Uploaded 3rd party verification.
 10/20/2021     1 A   XX Primary Purchase   C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Employment - S-Corp General QM: Unable to verify current S-Corp status using reasonably reliable third-party records. Unable to verify current status using reliable third party records. Third party verification or CPA letter not provided       Reviewer Comment (2021-09-30): Provided.


Buyer Comment (2021-09-22): Uploaded 3rd party verification.
 09/30/2021     1 A   XX Primary Purchase   C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,200.00 exceeds tolerance of $725.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal fee amount of $1,200.00 exceeds tolerance of $725.00. Sufficient cure was provided to the borrower.       Reviewer Comment (2021-09-15): Sufficient Cure Provided At Closing
   09/15/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C B C A C A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Guideline Credit Exception:   Allow use of Appraisal report from Apex Appraisal Services, Inc., which is not an approved AMC vs program requirement that appraisals are ordered through a Sprout approved AMC The representative FICO score exceeds the guideline minimum by at least 40 points.

Borrowers made a down payment from their own funds on this purchase transaction of at least 5% and $5,000.00.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

Borrower has worked in the same position for more than 3 years.

Borrower has verified disposable income of at least $2500.00.

The qualifying DTI on the loan is at least 10% less than the guideline maximum.		 Credit score is XXXX, XXXX points > program requirement of XXXX
Reserves are XX months, XX months > program requirement of XX months		 Owner

Owner

Owner

Owner

Owner

Owner,Originator		 Reviewer Comment (2021-08-30): Compensating Factors used to waive Exception.
     08/30/2021 2 B   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $60.75 exceeds tolerance of $50.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit report fee amount of $60.75 exceeds tolerance of $50.00. Sufficient cure was provided to the borrower.       Reviewer Comment (2021-08-27): Sufficient Cure Provided At Closing
   08/27/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS not provided       Reviewer Comment (2021-09-10): Cleared


Buyer Comment (2021-08-31): Uploaded, please find the AUS. Thank you.
 09/10/2021     1 A   XX Primary Purchase   C B C B A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: AUS not provided   AUS not provided       Reviewer Comment (2021-10-05): Provided.


Buyer Comment (2021-09-23): Uploaded AUS
 10/05/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Credit Insufficient Verification of Rental History.   Institutional VOR for the period XX/XX/XX-XX/XX/XX not provided. Cancelled checks in file cover the period thru XX/XX/XX.       Reviewer Comment (2021-10-29): Considered XX/XX/XX to XX/XX/XX rent paid through XXXXX statement and cancelled check of dated XX/XX/XX is of XX/XX/XX rent payment , Exception cleared.


Buyer Comment (2021-10-25): Please Review again; Thanks! - Doc uploaded  on XX/XX/XX;     There is a copy of the lease in the Rental Agreement zelle statements showing paid receipts for 2 transactions matching initial amount on lease for rent from XX/XX/XX-XX/XX/XX as well as a copy of the cancelled rent check  dated XX/XX/XX for the XX/XX/XX rent payment in the cancelled checks.  Uploaded again for reference.


Reviewer Comment (2021-10-25): XXXXX and XXXXX rent history confirmed through cancelled check and pay history however still XXXXX rent payment history not received to complete most recent 12 months history, Exception remains.


Buyer Comment (2021-10-20): Lease begins on page 59. VOR PMTs also uploaded


Buyer Comment (2021-10-20): Uploaded Lease Agreement and Payment for XXXXX & XXXXX


Reviewer Comment (2021-10-01): As per Guideline we require rents to be verified for the Most Recent 12 consecutive months. Missing for XX/XX/XX  and  XX/XX/XX. Exception remains.


Buyer Comment (2021-09-23): Uploaded VOR
 10/29/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,175.00 exceeds tolerance of $495.00.  Insufficient or no cure was provided to the borrower. 0% tolerance exceeded by $680.00 due to Appraisal Fee increase. No Valid Changed Circumstance provided, and the cure on the Final CD was not sufficient to cure all tolerance issues.       Reviewer Comment (2021-09-23): SitusAMC  Received Cure for $680 at closing, no additional cure needed


Buyer Comment (2021-09-23): Not required - $680 LC applied at closing. Uploaded Executed CD.
 09/23/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,175.00 exceeds tolerance of $495.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-10-04): Sufficient Cure Provided At Closing
   10/04/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   The file is missing a copy of the Loan Underwriting and Transmittal Summary 1008 to verify the final approved loan parameters.       Reviewer Comment (2021-11-08): Received the 1008.


Buyer Comment (2021-11-05): 1008
 11/08/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). Final Closing Disclosure disclosed a finance charge of $XXXX; calculated finance charge is $XXXX, which is a difference of $XXXX for the subject purchase transaction. Increase is due the a Real Estate Broker Admin Fee was not disclosed on the Initial Loan Estimate, but disclosed as $XXXX in Section C instead of Section H on the Final Closing Disclosure.       Reviewer Comment (2021-11-08): Received the Letter of Explanation and Corrected CD required to cure. Real Estate Admin Fee of $375.00 was moved from Section C to Section H.


Buyer Comment (2021-11-05): Corrected CD
 11/08/2021     1 A   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Real Estate Broker Admin Fee.  Fee Amount of $350.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Real Estate Broker Admin Fee was not disclosed on the Initial Loan Estimate, but disclosed as $350.00 in Section C instead of Section H on the Final Closing Disclosure without a valid Change of Circumstance. Evidence of cure for the increase of $350.00 was not provided.       Reviewer Comment (2021-11-08): SitusAMC upon further review received updated PCCD & LOE moving the fee to sec H, hence no further action reequired.


Buyer Comment (2021-11-05): Corrected CD
 11/08/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XXXX. Non-Escrowed Property Costs are $0.00 per month, which equals calculated Non-Escrowed Property Costs over Year 1 of $0.00. Difference of $XXXX is due to borrower was qualified with monthly HOA Dues of $XXXX however, the subject property appraised as a single family residence and the file is missing verification for the $XXXX monthly HOA dues.       Reviewer Comment (2021-11-12): SitusAMC received PCCD and LOE; exception is cured.


Buyer Comment (2021-11-11): upld pccd docs
   11/12/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $700.00 exceeds tolerance of $475.00.  Sufficient or excess cure was provided to the borrower at Closing. Cure provided       Reviewer Comment (2021-11-08): Sufficient Cure Provided At Closing
   11/08/2021   1 A   XX Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Cure provided       Reviewer Comment (2021-11-08): Sufficient Cure Provided At Closing
   11/08/2021   1 A   XX Primary Purchase Final CD evidences Cure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income Document Error Income YTD P&L Statement does not include the  most recent month preceding the application date.   (GSE COVID-19) - P&L Statement for this business is through XX/XX/XX, which is prior to the subject loan application date of XX/XX/XX. A current P&L statement through the most recent quarter on XX/XX/XX is required.       Reviewer Comment (2021-11-11): Received a P&L Statement for this business dated through XX/XX/XX, which cleared this exception.


Reviewer Comment (2021-11-05): The most recent PnL statement received is for XX/XX/XX. Which is still before the loan application date. We request you to please provide us a PnL statement signed and dated till (XX/XX/XX) recent quarter. Exception Remains for required document.
 11/11/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Appraisal is missing.; Sec ID: 1   File is missing the Appraisal for the subject primary residence purchase. Subject loan is slated to be securitized. File is missing the secondary valuation required for securitization.       Reviewer Comment (2021-10-04): Appraisal Provided
 10/04/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Property - Appraisal Appraisal Documentation Property - Appraisal Missing Document: Appraisal not provided   File is missing a copy of the Appraisal Report for the subject primary residence purchase as required by DU Condition #26. Upon receipt of the missing appraisal, additional conditions may apply.       Reviewer Comment (2021-10-04): Appraisal Provided
 10/04/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   File is missing the Fannie Mae UCDP Submission Summary Report for the subject primary residence purchase. Subject loan is slated to be securitized. File is missing the secondary valuation required for securitization.       Reviewer Comment (2021-10-04): UDCP score less than 2.5
 10/04/2021     1 A   XX Primary Purchase   D A D A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,500.00 exceeds tolerance of $975.00.  Sufficient or excess cure was provided to the borrower at Closing. Lender credit in the amount of $975 was issued at closing to cover the Appraisal Fee tolerance violation of $975.00.       Reviewer Comment (2021-09-27): Sufficient Cure Provided At Closing
   09/27/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Verified assets of XXXXX are insufficient to cover the funds required for closing of XXXXX. Shortage is due to the Final 1003 disclosed the borrower's departure residence as a Pending sale however, the file is missing the executed Final CD or Settlement Statement to verify the departure residence sold prior to the subject loan closing as required by DU Condition #20. Upon receipt of the missing executed Final CD or Settlement Statement, additional conditions may apply.       Reviewer Comment (2021-10-07): Final Sellers CD and Closing Statement to evidence sale of XXXXX for departure residence provided in file.


Buyer Comment (2021-10-07): XXXXX MHR uploaded document to portal. Please Advise if anything else is needed.
 10/07/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline AUS Findings: Qualifying asset balance discrepancy.   Verified assets of XXXXX are insufficient to cover the DU required assets of XXXXX. Shortage is due to the Final 1003 disclosed the borrower's departure residence as a Pending Sale however, the file is missing the executed Final CD or Settlement Statement to verify the departure residence sold prior to the subject loan closing as required by DU Condition #20. Upon receipt of the missing executed Final CD or Settlement Statement, additional conditions may apply.       Reviewer Comment (2021-10-07): Final Sellers CD and Closing Statement to evidence sale of XXXXX for departure residence provided in file.


Buyer Comment (2021-10-07): XXXXX MHR uploaded document for conditions 2,3,4,5. Please advise if anything else needed.
 10/07/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Verified reserves of XXXXX are insufficient to cover the GS AUS guidelines required reserves of 6 months for the subject loan with an LTV of xx%. Shortage is due to the Final 1003 disclosed the borrower's departure residence as a Pending Sale however, the file is missing the executed Final CD or Settlement Statement to verify the departure residence sold prior to the subject loan closing as required by DU Condition #20. Upon receipt of the missing executed Final CD or Settlement Statement, additional conditions may apply.       Reviewer Comment (2021-10-07): Final Sellers CD and Closing Statement to evidence sale of XXXXX for departure residence provided in file.


Buyer Comment (2021-10-07): XXXXX MHR uploaded documents please advise if anything else needed.
 10/07/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   DU qualified the borrower with a DTI of XX% however, the calculated DTI is XX%. DTI increase is due to the file is missing the executed Final CD or Settlement Statement to verify the borrower's departure residence sold prior to the subject loan closing and the existing mortgage paid in full as required by DU Condition #13. Because the DTI increase of XX% exceeds the DU DTI Tolerance of XX%, resubmission to DU is required., unless the missing executed Final CD or Settlement Statement is provided to verify the existing mortgage payoff.       Reviewer Comment (2021-10-07): Final Sellers CD and Closing Statement to evidence sale of XXXXX for departure residence provided in file. REO excluded from DTI.
 10/07/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. Due to missing documentation to verify the sale of the borrower's departure residence prior to the subject loan closing, the subject loan designation is QM Risk.       Reviewer Comment (2021-10-11): Cleared.


Reviewer Comment (2021-10-11): Cleared in error. Reopening.


Reviewer Comment (2021-10-07): Final Sellers CD and Closing Statement to evidence sale of XXXXX for departure residence provided in file. REO excluded from DTI.
 10/11/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   Borrowers were qualified with a monthly net rental loss of -$XXXX for the XXXXX property and a DTI of XX% however, file is missing the borrowers most recent tax return including Schedule E, or a copy of the current lease agreement(s) as required by DU Condition #13. The calculated net rental loss for this property is -$XXXX resulting in a DTI of XX%.       Reviewer Comment (2021-10-04): 1040 Schedule E provided.


Buyer Comment (2021-10-01): Please see attached Forensic Response.
 10/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   Borrowers were qualified with a monthly net rental loss of -$XXXX for the XXXXX property and a DTI of XX% however, file is missing the borrowers most recent tax return including Schedule E, or a copy of the current lease agreement(s) as required by DU Condition #13. The calculated net rental loss for this property is -$XXX resulting in a DTI of XX%.       Reviewer Comment (2021-10-04): 1040 Schedule E provided.


Buyer Comment (2021-10-01): Please see attached Forensic Response.
 10/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) Borrowers were qualified with a monthly net rental loss of -$XXXX for the XXXXX property and a DTI of XX% however, file is missing the borrowers most recent tax return including Schedule E, or a copy of the current lease agreement(s) as required by DU Condition #13. The calculated net rental loss for this property is -$XXXX resulting in a DTI of XX%.       Reviewer Comment (2021-10-04): 1040 Schedule E provided.


Buyer Comment (2021-10-01): Please see attached Forensic Response.
 10/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Due to missing rental income documentation and a DTI of XX%, the subject loan designation is QM (APOR) Risk.       Reviewer Comment (2021-10-04): 1040 Schedule E provided.


Buyer Comment (2021-10-01): Please see attached Forensic Response.
 10/04/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. Due to missing rental income documentation and a DTI of XX%, the subject loan is at QM (APOR) Risk.       Reviewer Comment (2021-10-04): 1040 Schedule E provided.


Buyer Comment (2021-10-01): Please see attached Forensic Response.
 10/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: PITIA reserves months discrepancy.   Verified reserves after closing of XXXXX months and XXXXX dollar amount  are insufficient to cover the required reserves of XXXXX months or XXXXX dollar amount for a loan with an LTV on XX%. Shortage is due to borrowers TD checking account reflects a large deposit of XXXXX that was not sourced and the assets submitted to DU are also insufficient to cover the required reserves.       Reviewer Comment (2021-10-04): Required assets provided.


Buyer Comment (2021-10-01): Please see attached Forensic Response.
 10/04/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1. The final CD Page 1 reflects both taxes and insurance will be included in escrow and Page 4 is marked that loan will not have an escrow account and property costs both escrowed and non-escrowed are blank.       Reviewer Comment (2021-10-27): XXXXX received Letter of Explanation & Corrected Closing Disclosure.
   10/27/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Desk Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Appraisal Desk Review Fee was not disclosed on Loan Estimate.  File does not contain a valid COC for this fee. Sufficient cure was provided at closing.       Reviewer Comment (2021-10-21): Sufficient Cure Provided At Closing
   10/21/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. The final CD Page 1 reflects both taxes and insurance will be included in escrow and Page 4 is marked that loan will not have an escrow account.       Reviewer Comment (2021-10-27): Received the Letter of Explanation and Corrected CD required to cure.
   10/27/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. The final CD Page 1 reflects both taxes and insurance will be included in escrow and Page 4 is marked that loan will not have an escrow account and property costs both escrowed and non-escrowed are blank.       Reviewer Comment (2021-10-27): Received the Letter of Explanation and Corrected CD required to cure.
   10/27/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Reason TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. The final CD Page 1 reflects both taxes and insurance will be included in escrow and Page 4 is marked that loan will not have an escrow account.       Reviewer Comment (2021-10-27): Received the Letter of Explanation and Corrected CD required to cure.
   10/27/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow Account TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX incorrectly disclosed whether the loan will have an escrow account. The final CD Page 1 reflects both taxes and insurance will be included in escrow and Page 4 is marked that loan will not have an escrow account.       Reviewer Comment (2021-10-27): Received the Letter of Explanation and Corrected CD required to cure.


Buyer Comment (2021-10-26): These documents should clear up all 5 TRID conditions
   10/27/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Credit AUS Findings: Property type discrepancy.   DU approved the subject property as Single Family Detached however, the subject property appraised as a PUD and file contains the PUD Rider.       Reviewer Comment (2021-11-01): Received recent AUS, property type is changed to PUD as per recent AUS and associated the same. Exception cleared
 11/01/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - Borrower's IRA accounts XXXXX and XXXXX were verified with an XXXXX statement that only reported an account history from XX/XX/XX through XX/XX/XX. File is missing a second statement as required by DU Condition #19.       Reviewer Comment (2021-11-01): Received D1C asset report for IRA account and associated the same. Exception cleared
 11/01/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Incomplete Document: Closing Disclosure is incomplete   Final signed Closing Disclosure is missing page 2. Fee testing was completed using the unsigned Closing Disclosure dated XX/XX/XX. Upon receipt of the missing Final Closing Disclosure page 2, additional conditions may apply.       Reviewer Comment (2021-10-06): Received complete Final signed CD. Exception cleared.


Buyer Comment (2021-10-06): XXXXX MHR uploaded completed final CD executed at closing all pages. Please Advise if anything else is needed.
 10/06/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $825.00 exceeds tolerance of $700.00.  Insufficient or no cure was provided to the borrower. Appraisal Fee was disclosed as $700.00 on the Initial Loan Estimate, but disclosed as $825.00 on the Final Closing Disclosure without a valid Change of Circumstance. Cure of $125.00 disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling $300.00.       Reviewer Comment (2021-10-11): XXXXX :- Upon further review, sufficient cure was provided at closing.


Buyer Comment (2021-10-08): XXXXX MHR Uploaded documents to portal. Please advise if anything else is needed.


Reviewer Comment (2021-10-07): Post Close CD dated XX/XX/XX with cure provided, however, Missing LOE to borrower and evidence of refund check. Exception remains.


Seller Comment (2021-10-07): (Rate Lock) This was cured at closing. Please review final Cd and PCCD.
 10/11/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee.  Fee Amount of $175.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Appraisal Desk Review Fee was not disclosed on the Initial Loan Estimate, but disclosed as $175.00 on the Final Closing Disclosure without a valid Change of Circumstance. Cure of $125.00 disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling $300.00.       Reviewer Comment (2021-10-11): XXXXX received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.


Buyer Comment (2021-10-07): Pending receipt of check for tolerance cure for appraisal desk fee.


Reviewer Comment (2021-10-07): Post Close CD dated XX/XX/XX with cure provided, however, Missing LOE to borrower and evidence of refund check. Exception remains.


Seller Comment (2021-10-07): (Rate Lock) This was cured at closing. Please review final Cd and PCCD.
   10/11/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Loan Estimate Timing Electronically Provided TILA-RESPA Integrated Disclosure: Loan Estimate not delivered to Borrower(s) within three (3) business days of application. Initial Loan Estimate dated XX/XX/XX was electronically provided without or prior to borrower's consent to receive electronic disclosures. Failure to comply with the provisions of the E-Sign Act and failure to provide good faith estimate of fees timely may result in additional fee tolerance violations. Initial Loan Estimate was electronically provided to the borrower on XX/XX/XX however, the borrower did not consent to electronic disclosures until XX/XX/XX. Initial Loan Estimate sent electronically prior to e-sign consent may result in additional fee tolerance violations.       Reviewer Comment (2021-09-30): EConsent date verified as XX/XX/XX. Data corrected.
 09/30/2021     1 A   XX Primary Purchase   C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Escrowed Property Costs Year 1 -  October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. Final Closing Disclosure disclosed Estimated Property Costs over Year 1 of $XXXX. Estimated Property Costs are $XXXX per month, which equals calculated Estimated Property Costs over Year 1 of $XXXX.       Reviewer Comment (2021-10-19): Received the Letter of Explanation and Corrected Closing Disclosure required to cure.


Buyer Comment (2021-10-18): Please see attached PCCD and loe


Reviewer Comment (2021-10-06): Discrepancy is due to HOA dues. Appraisal reflects $481.00 per  month and loan was qualified using $483.00, and the file does not contain any additional HOA documentation. Exception remains.


Buyer Comment (2021-10-06): XXXXX MHR  Please waive the calculation on Final CD is correct.  If you take $XXXX x 12 mths = $XXXX.  Breakdown Calculation HOI $XXXX x 12mths = $=XXXXX.  Property Taxes $ XXXX x 12mths=$ XXXX.  Add  $XXXX + $XXXX =$ XXXX. Which equals the total amount of 1yr property cost.
Please Advise if anything else is needed.
   10/19/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XXXX. Non-Escrowed Property Costs (HOA Dues) are $XXXX per month, which equals calculated Non-Escrowed Property Costs over Year 1 of $XXXX). Difference of $XXXX is due to borrowers were qualified with monthly HOA Dues of $XXXX however, the purchase agreement and appraisal verify the monthly HOA Dues are $XXXX.       Reviewer Comment (2021-10-19): Received the Letter of Explanation and Corrected Closing Disclosure required to cure.


Buyer Comment (2021-10-18): Please see attached PCCD, LOX
   10/19/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $900.00 exceeds tolerance of $475.00.  Insufficient or no cure was provided to the borrower. Appraisal Fee was disclosed as $475.00 on the Initial Loan Estimate, but disclosed as $900.00 on the Final Closing Disclosure. COC dated XX/XX/XX disclosed the date of change as XX/XX/XX however, the change was not disclosed to the borrowers within 3 business days of discovery. Cure of $440.00 disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling $782.00.       Reviewer Comment (2021-10-20): XXXXX : Upon further review, sufficient cure was provided at closing.


Buyer Comment (2021-10-19): XXXXX MHR upld documents to portal. Please Advise if anything else is needed.


Reviewer Comment (2021-10-19): Received the Letter of Explanation and Corrected Closing Disclosure which disclosed a total cure of $782.00 however, as of XX/XX/XX, still have not received a copy of the refund check for $357.00 and proof of mail delivery.


Reviewer Comment (2021-10-11): Cure of $440 insufficient for increase in fees, Exception remains.


Buyer Comment (2021-10-07): Disclosed XX/XX/XX due to size of home- valid COC.
 10/20/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $6,435.00 exceeds tolerance of $6,078.00.  Insufficient or no cure was provided to the borrower. Transfer Taxes were disclosed as $6,078.00 on the Initial Loan Estimate, but disclosed as $6,435.00 on the Final Closing Disclosure without a valid Change of Circumstance. Cure of $440.00 disclosed on the Final Closing Disclosure is insufficient to cover the 2 tolerance violations totaling $782.00.       Reviewer Comment (2021-10-20): XXXXX received  Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected PCCD.


Buyer Comment (2021-10-19): XXXXX MHR upld document to portal. Please Advise if anything else is needed.


Reviewer Comment (2021-10-19): Received the Letter of Explanation and Corrected Closing Disclosure which disclosed a total cure of $782.00 however, as of XX/XX/XX, still have not received a copy of the refund check for $357.00 and proof of mail delivery.


Reviewer Comment (2021-10-11): COC provided not valid for increase in transfer tax fee. Provide COC reflecting reason for transfer fee increase. Exception remains


Buyer Comment (2021-10-07): This should be cured with COC as the loan amount went up.
   10/20/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Divorce Decree / Child Support not provided   The file is missing the borrower's divorce decree or child support order to verify the monthly payment and number of months remaining, as required by DU Condition #11. Upon receipt of the missing divorce decree or child support order, additional conditions may apply.       Reviewer Comment (2021-10-01): Divorce Decree provided in file.


Reviewer Comment (2021-09-24): The file is missing the borrower's divorce decree or child support order to verify the monthly payment and number of months remaining, as required by DU Condition #11. Upon receipt of the missing divorce decree or child support order, additional conditions may apply: Exception remains


Reviewer Comment (2021-09-23): The file is missing the borrower's divorce decree or child support order to verify the monthly payment and number of months remaining, as required by DU Condition #11. Upon receipt of the missing divorce decree or child support order, additional conditions may apply. Exception remains
 10/01/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $855.00 exceeds tolerance of $800.00.  Insufficient or no cure was provided to the borrower. Appraisal Fee was disclosed as $800.00 on the Initial Loan Estimate, but disclosed as $855.00 on the Final Closing Disclosure without a valid Change of Circumstance. Cure of $55.00 disclosed on the Final Closing Disclosure is insufficient to cover the 3 tolerance violations totaling $2,344.00.       Reviewer Comment (2021-09-23): Cure provided


Reviewer Comment (2021-09-23): Final CD provided cure $55 for increase in fee.


Buyer Comment (2021-09-23): cured at closing, please waive.
 09/23/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Home Inspection Fee (Optional).  Fee Amount of $810.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Same provider fee       Reviewer Comment (2021-09-24): Post Closing CD provided moving Home warranty fee from section C to section H.
 09/24/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Tax Certificate not provided   Lender to provide property tax calculations for the amount used to qualify of $XXXX a month.       Reviewer Comment (2021-09-27): Received tax calculations from lender verifying monthly property tax amount used to qualify. Exception cleared.


Buyer Comment (2021-09-27): upld lox showing tax calculation, please rvw and clear.


Reviewer Comment (2021-09-24): Lender to provide property tax calculations for the amount used to qualify of $XXXX a month. Exception remains


Reviewer Comment (2021-09-23): Tax Certification provided 1st installment $XXXX, 2nd installment $XXXX= $XXXX/12= $XXXX monthly taxes. AUS and 1008 DTI XX% with lender calculated taxes $XXXX. Provide tax certification reflecting annual tax $XXXX. Exception remains
 09/27/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Documentation Asset Guideline Issue:Insufficient asset documentation. - Borrower's IRA account was verified with a statement dated from XX/XX/XX to XX/XX/XX and a printout dated XX/XX/XX with no prior history. File is missing the August 2021 statement as required by DU Condition #21.       Reviewer Comment (2021-09-27): Received ETrade statement from XX/XX/XX - XX/XX/XX. Exception cleared.


Reviewer Comment (2021-09-24): File is missing the August 2021 statement as required by DU Condition #21.Exception remains


Reviewer Comment (2021-09-23): File is missing the August 2021 statement as required by DU Condition #21.: Exception remains
 09/27/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Missing Document General Missing Document Missing Document: Official Check not provided   Borrower received a gift of XXXXX. File is missing documentation to verify the transfer of gift funds to the borrower as required by DU Condition #23.       Reviewer Comment (2021-10-05): Wire and Deposit receipt provided.


Reviewer Comment (2021-09-24): File is missing documentation to verify the transfer of gift funds to the borrower as required by DU Condition #23. Exception remains


Reviewer Comment (2021-09-23): File is missing documentation to verify the transfer of gift funds to the borrower as required by DU Condition #23.: Exception remains
 10/05/2021     1 A   XX Primary Purchase   C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance.  Fee Amount of $1,479.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Title - Lender's Title Insurance Fee was not disclosed on the Initial Loan Estimate, but disclosed as $1,479.00 on the Final Closing Disclosure without a Payee Name. Itemization of Costs and Credits also did not disclose the Payee Name for this fee and it cannot be verified the borrower was allowed to shop for this fee. Cure of $55.00 disclosed on the Final Closing Disclosure is insufficient to cover the 3 tolerance violations totaling $2,344.00.       Reviewer Comment (2021-09-23): Cure provided
 09/23/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Miscellaneous Compliance Missing Non-Required Data Paid To party cannot be determined on the Closing Disclosure. For compliance testing purposes, Paid To of Lender will be considered in lieu of UTD. - Final Closing Disclosure, Section C did not disclose the Payee name for the Title - Lender's Title Insurance Fee of $1,479.00. This is TRID non-compliant.       Reviewer Comment (2021-09-23): Third party fee.
 09/23/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $855.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. Cure provided       Reviewer Comment (2021-09-23): Sufficient Cure Provided At Closing
   09/23/2021   1 A   XX Primary Purchase Final CD evidences Cure C A C A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Non Escrowed Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Non-Escrowed Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. Final Closing Disclosure disclosed Non-Escrowed Property Costs over Year 1 of $XXXX. Non-Escrowed Property Costs are $XXXX per month, which equals calculated Non-Escrowed Property Costs over Year 1 of $XXXX.       Reviewer Comment (2021-09-16): Subject property is PUD and HOA verification provided in file.


Buyer Comment (2021-09-16): Hello,

Please see attached HOA Dues verification. The Dues are included in the Non-Escrowed Property Costs. XXXXX does not allow for more than 2 decimal places to be listed in monthly payment fees. Please clear this condition.
   09/16/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,100.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing. Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,100.00 exceeds tolerance of $800.00.  Sufficient or excess cure was provided to the borrower at Closing.       Reviewer Comment (2021-09-10): Sufficient Cure Provided At Closing
   09/10/2021   1 A   XX Primary Purchase Final CD evidences Cure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - File is missing the mortgage statement to verify that the payment for the XXXXX investment property includes escrows. Upon receipt of the missing mortgage statement, additional conditions may apply.       Reviewer Comment (2021-09-16): Mortgage Statement provided in file.


Buyer Comment (2021-09-15): Please see attached Forensic Response.
 09/16/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility AUS Findings: Investor qualifying total debt ratio discrepancy.   DU qualified the borrowers with a DTI of XX%. Calculated DTI is XX% due to the credit report and property history report verify a mortgage payment of $XXXX for the XXXXX investment property. File is missing a lease agreement to verify the net rental loss of -$XXXX for this  property that was disclosed on the Final 1003.       Reviewer Comment (2021-09-20): Evidence mortgage is paid with business account with12 months bank statements, SBA debt relief and mortgage statement provided in file


Buyer Comment (2021-09-15): Please see attached Forensic Response.
 09/20/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Investor qualifying total debt ratio discrepancy.   File is missing the 1008 approval. DU qualified the borrowers with a DTI of XX%. Calculated DTI is XX% due to the credit report and property history report verify a mortgage payment of $XXXX for the XXXXX investment property. File is missing a lease agreement to verify the net rental loss of -$XXXX for this  property that was disclosed on the Final 1003.       Reviewer Comment (2021-09-20): Evidence mortgage is paid with business account with12 months bank statements, SBA debt relief and mortgage statement provided in file


Buyer Comment (2021-09-15): Please see attached Forensic Response.
 09/20/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor and QM DTIs match and both significantly exceed Guidelines General QM: The DTI calculated in accordance with the Lenders Guidelines and 1026.43(e) of XX% significantly exceeds the guideline maximum of XX%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) File is missing the 1008 approval. DU qualified the borrowers with a DTI of XX%. Calculated DTI is XX% due to the credit report and property history report verify a mortgage payment of $XXXX for the XXXXX investment property. File is missing a lease agreement to verify the net rental loss of -$XXXX for this  property that was disclosed on the Final 1003.       Reviewer Comment (2021-09-20): Evidence mortgage is paid with business account with12 months bank statements, SBA debt relief and mortgage statement provided in file.


Buyer Comment (2021-09-15): Please see attached Forensic Response.
 09/20/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect General QM Provision Investor Guidelines Violation General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. Due to missing rental income documentation and a DTI of XX%, the subject loan is at QM Risk.       Reviewer Comment (2021-09-20): Evidence mortgage is paid with business account with12 months bank statements, SBA debt relief and mortgage statement provided in file


Buyer Comment (2021-09-15): Please see attached Forensic Response.
 09/20/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect Check Loan Designation Match - QM Qualified Mortgage (Dodd-Frank 2014): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. Due to missing rental income documentation and a DTI of XX%, the subject loan designation is QM (APOR) Risk.       Reviewer Comment (2021-09-20): Evidence mortgage is paid with business account with12 months bank statements, SBA debt relief and mortgage statement provided in file


Buyer Comment (2021-09-15): Please see attached Forensic Response.
 09/20/2021     1 A   XX Primary Purchase Lender to provide updated ATR/QM status C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Application / Processing Missing Document  Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided   File only contains the DU Findings and is missing the 1008 approval.       Reviewer Comment (2021-09-16): 1008 Transmittal Summary provided in file.


Buyer Comment (2021-09-15): Please see attached 1008.
 09/16/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $850.00 exceeds tolerance of $450.00.  Sufficient or excess cure was provided to the borrower at Closing. Initial LE disclosed a $450 appraisal fee.  Final CD disclosed an $850 fee.       Reviewer Comment (2021-09-03): Sufficient Cure Provided At Closing
   09/03/2021   1 A   XX Primary Purchase Final CD evidences Cure A A A A A A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment The verification of employment is required and was not found in file. - Missing the VVOE for Borrower's Former Employment with XXXXX. The VVOE should include Employment Status, Start and End Dates in order to verify Required 2 Year Employment History.       Reviewer Comment (2021-11-12): Received The XXXXX with start date and end date for employer XXXXX. Verification timeline not applicable for former employer. Exception Cleared.


Buyer Comment (2021-11-11): Previous VVOE attached
 11/12/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Verification(s) of employment is not within 10 calendar days of the Note. - The Provided Third Party VVOE for Borrower's Current employment was completed XX/XX/XX which does not meet the 10 Calendar Day requirement prior to the Closing / Note Date of XX/XX/XX.       Reviewer Comment (2021-11-09): VVOE of current employment has been received within 10 calendar days of note, exception cleared.


Buyer Comment (2021-11-08): Verification was completed XX/XX/XX. Please see attached.
 11/09/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ATR/QM Defect QM Employment History - Current and/or Previous Employment Documentation lacks Date Info Qualified Mortgage (Dodd-Frank 2014): Missing Employment Dates to verify two years employment history for current and/or prior employment. Missing the VVOE for Borrower's Former Employment with XXXXX. The VVOE should include Employment Status, Start and End Dates in order to verify Required 2 Year Employment History.       Reviewer Comment (2021-11-12): Received The XXXXX with start date and end date for employer XXXXX. Verification timeline not applicable for former employer. Exception Cleared.


Buyer Comment (2021-11-11): Previous VVOE attached
 11/12/2021     1 A   XX Primary Purchase   C A C A B A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. -         Reviewer Comment (2021-11-09): Confirmation received . Exception cleared.


Buyer Comment (2021-11-08): Please remove the exception as this is Informational only.
 11/09/2021     1 A   XX Primary Purchase   B B B A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Guideline Reported liability reflects the borrower as an Authorized User.  This debt has been excluded from QM qualification. - Per Guidelines, credit report tradelines that list a borrower as an authorized user cannot be considered in the underwriting decision.       Reviewer Comment (2021-11-09): Confirmation received . Exception cleared.


Buyer Comment (2021-11-08): Please remove the exception as this is Informational only.
 11/09/2021     1 A   XX Primary Purchase   B B B A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Have Escrow -  Initial Escrow Payment By All Parties TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX disclosed an Initial Escrow Payment that includes both borrower and non-borrower paid amounts. Initial Escrow Payment was disclosed  as $2387.66 on Escrow Account section (pg 4). Section G subtotal reflects initial escrow deposit of $864.08.  Lender to provide corrected initial escrow payment disclosure.       Buyer Comment (2021-11-17): Lender acknowledged non material EV2


Reviewer Comment (2021-11-17): With regard to the initial escrow payment, we have discussed this specific issue with outside counsel in the past. We note that 1026.38(l)(7) [Escrow Account on page 4] basically refers to 1026.38(g)(3) [Section G on page 2 of CD]. In (g)(3), the only total that is referenced is the borrower-paid total. Further, it makes sense that the (l)(7) disclosure in the CD matches up with the borrower-paid total because we note that the (l)(7) disclosure states "A cushion for the escrow account you [i.e., the borrower] pay for at closing." (Emphasis added). To permit a total that is both borrower- and non-borrower paid would appear misleading since that would then not be the amount that "you [i.e., the borrower]" is paying.  Letter of Explanation & Corrected Closing Disclosure with only the borrower paid portion on page 4 is required to cure.


Buyer Comment (2021-11-15): LOE
     11/17/2021 2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure B B B A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Eligible in file- Please confirm Program Type.       Reviewer Comment (2021-11-09): Client acknowledged with XXXXX. Exception cleared.


Buyer Comment (2021-11-08): Confirming XXXXX lock uploaded
 11/09/2021     1 A   XX Primary Purchase   B B B A B B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Initial Closing Disclosure Timing without Waiver TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. Missing proof of delivery to the Borrower(s) that Initial CD issued XX/XX/XX was received timely at least three (3) business days prior to closing.       Reviewer Comment (2021-11-17): XXXXX received disclosure tracking indicating the initial CD was received XX/XX/XX.


Buyer Comment (2021-11-15): Esign consent
 11/17/2021     1 A   XX Primary Purchase No Defined Cure C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file -- Lender to Confirm Loan Program Used.       Reviewer Comment (2021-11-12): Client Confirmed loan reviewed to XXXXX guidelines.


Buyer Comment (2021-11-11): Loan is XXXXX - please clear.
 11/12/2021     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2   Secondary Valuation not found in the file       Reviewer Comment (2021-09-02): Received XXXXX. Exception Cleared.


Buyer Comment (2021-09-01): XXXXX uploaded
 09/02/2021     1 A   XX Primary Purchase   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance ECOA ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. Verification appraisal was delivered to borrower was not provided.       Buyer Comment (2021-09-20): Received email confirmation from the borrower stating they received the report 1004; Lender Acknowledged non material EV2


Reviewer Comment (2021-09-15): Received Borrower Emailed confirmation from borrower that they have signed confirmation on portal, however unable to clear using Email and require Borrower signed/dated acknowledgement document at closing to clear the exception. Note date is XX/XX/XX and Report was  provided on XX/XX/XX which was at edge of the requirement hence need the documents to clear the exception.


Buyer Comment (2021-09-14): Email from borrower


Reviewer Comment (2021-09-01): Received Disclosure Tracking confirmed appraisal was provided on XX/XX/XX. however, provide Borrower's Acknowledgement signed at closing of their receipt of the valuation 3 days prior to closing in order to clear the exception.


Buyer Comment (2021-08-31): Appraisal delivery
     09/20/2021 2 B   XX Primary Purchase   D B A A B B D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $74.15 exceeds tolerance of $60.00.  Sufficient or excess cure was provided to the borrower at Closing. Credit Report Fee was last disclosed as $60.00 on LE but disclosed as $74.15 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-04): Sufficient Cure Provided At Closing
   10/04/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,288.53 exceeds tolerance of $3,288.00.  Sufficient or excess cure was provided to the borrower at Closing. Transfer Tax was last disclosed as $3288.00 on LE but disclosed as $3288.53 on Final Closing Disclosure.  File does not contain a valid COC for this fee, cure provided at closing.       Reviewer Comment (2021-10-04): Sufficient Cure Provided At Closing
   10/04/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file.       Reviewer Comment (2021-10-08): Client Confirmed loan to reviewed XXXXX guidelines. AUS (DU) with risk Approve/Ineligible on the file.


Buyer Comment (2021-10-07): Loan to be reviewed as XXXXX
 10/08/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure No Seller Paid Fees Primary Residence First Lien TRID Final Closing Disclosure XX/XX/XX on a first lien purchase transaction did not disclose any Seller paid fees/charges on page 2. (Points and Fees testing limited to Borrower paid fees.) Seller paid fees on Seller's Closing Disclosure are not consistent with those reflected on the Borrower's Final Closing Disclosure.       Reviewer Comment (2021-11-18): Borrower is responsible for all closing costs per XXXXX.


Buyer Comment (2021-11-16): Per Lender:  Per the purchase agreement and addendums the seller is not paying any closing costs on this transaction. There are no seller paid fees to be listed on page 2 of the CD as the buyer is responsible for all of them. The seller CD (prepared by the escrow company) does not show any fees being charged to the seller only final bills. Final bills show on page 3 of the borrower CD in XXXXX. This column on the buyer CD page 3 is the only column per TRID that can be blank.
 11/18/2021     1 A   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Tape Data on file states XXXXX, however AUS Approve/Ineligible in file.  Please confirm Program type.       Reviewer Comment (2021-11-17): Client acknowledged with XXXXX. Exception cleared.


Buyer Comment (2021-11-16): Confirming XXXXX lock uploaded
 11/17/2021     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   "Data Tape reflects Jumbo, however AUS Approve/Ineligible in file"       Reviewer Comment (2021-08-10): Lender confirmed loan is to be reviewed as XXXXX.


Buyer Comment (2021-08-04): Loan to be reviewed as XXXXX
 08/10/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Credit Documentation Guideline Missing Document: Asset not provided   Missing evidence of receipt of proceeds from sale of departure residence,  XXXXX.       Reviewer Comment (2021-08-10): Settlement statement and letter from title company is in file. Exception cleared.


Buyer Comment (2021-08-09): Per the seller: There was no deposit for these funds they were held by the attorney for closing per my LOX. They were deposited from sale into the attorney and the attorney held them for the close of subject property.


Reviewer Comment (2021-08-06): Received closing statement & letter from XXXXX , provide bank statement reflecting this deposit or proof of wire transfer, Exception Remains


Buyer Comment (2021-08-05): please see attached
 08/10/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $332.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Title-Abstract/Title Search fee exceeds guideline tolerance without a valid COC       Reviewer Comment (2021-08-18): XXXXX received corrected CD,proof of mailing, Copy of refund check and LOX.


Buyer Comment (2021-08-17): PCCD - clear copy.


Reviewer Comment (2021-08-17): XXXXX: received LOE, Copy of check, Proof of delivery and PCCD. However, The provided PCCD  is not legible as all the page are cut off from bottom. Please provide legible copy of PCCD.


Buyer Comment (2021-08-16): Copy of check, shipping label, LOX and corrected CD


Reviewer Comment (2021-08-10): XXXXX upon further review the Title fees were listed on Section B  and therefore it comes zero percent tolerance .Please provide cure documents.


Buyer Comment (2021-08-10): Please re-review and refer to SSPL (XXXXX images pg. 162 [XXXX]. Borrower shopped for title company and chose a provider not listed on the SSPL. Unlimited tolerance applies to these fees.
   08/18/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $20.00 exceeds tolerance of $15.00.  Insufficient or no cure was provided to the borrower. Title Recording service fee exceeds guideline tolerance without a valid COC       Reviewer Comment (2021-08-18): XXXXX received corrected CD,proof of mailing, Copy of refund check and LOX.


Reviewer Comment (2021-08-17): XXXXX: received LOE, Copy of check, Proof of delivery and PCCD. However, The provided PCCD  is not legible as all the page are cut off from bottom. Please provide legible copy of PCCD.


Buyer Comment (2021-08-16): Copy of check, Shipping label, LOX and corrected CD


Reviewer Comment (2021-08-10): XXXXX upon further review the Title fees were listed on Section B and therefore it comes zero percent tolerance .Please provide cure documents.


Buyer Comment (2021-08-10): Please re-review and refer to SSPL (XXXXX images pg. 162 [XXXX]. Borrower shopped for title company and chose a provider not listed on the SSPL. Unlimited tolerance applies to these fees.
   08/18/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Title wire/funding fee exceeds guideline tolerance without a valid COC       Reviewer Comment (2021-08-18): XXXXX received corrected CD,proof of mailing, Copy of refund check and LOX.


Reviewer Comment (2021-08-17): XXXXX: received LOE, Copy of check, Proof of delivery and PCCD. However, The provided PCCD  is not legible as all the page are cut off from bottom. Please provide legible copy of PCCD.


Buyer Comment (2021-08-16): Copy of check, Shipping label, LOX and corrected CD


Reviewer Comment (2021-08-10): XXXXX upon further review the Title fees were listed on Section B and therefore it comes zero percent tolerance .Please provide cure documents.


Buyer Comment (2021-08-10): Please re-review and refer to SSPL (XXXXX images pg. 162 [XXXX]. Borrower shopped for title company and chose a provider not listed on the SSPL. Unlimited tolerance applies to these fees.
   08/18/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notice of Settlement Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Title notice to settlement fee exceeds guideline tolerance without a valid COC       Reviewer Comment (2021-08-18): XXXXX received corrected CD,proof of mailing, Copy of refund check and LOX.


Reviewer Comment (2021-08-17): XXXXX: received LOE, Copy of check, Proof of delivery and PCCD. However, The provided PCCD  is not legible as all the page are cut off from bottom. Please provide legible copy of PCCD.


Buyer Comment (2021-08-16): Copy of check, Shipping label, LOX and corrected CD


Reviewer Comment (2021-08-10): XXXXX upon further review the Title fees were listed on Section B and therefore it comes zero percent tolerance .Please provide cure documents.


Buyer Comment (2021-08-10): Please re-review and refer to SSPL (XXXXX images pg. 162 [XXXX]. Borrower shopped for title company and chose a provider not listed on the SSPL. Unlimited tolerance applies to these fees.
   08/18/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Title Examination  fee exceeds guideline tolerance without a valid COC       Reviewer Comment (2021-08-18): XXXXX received corrected CD,proof of mailing, Copy of refund check and LOX.


Reviewer Comment (2021-08-17): XXXXX: received LOE, Copy of check, Proof of delivery and PCCD. However, The provided PCCD  is not legible as all the page are cut off from bottom. Please provide legible copy of PCCD.


Buyer Comment (2021-08-16): Copy of check, Shipping label, LOX and corrected CD


Reviewer Comment (2021-08-10): XXXXX upon further review the Title fees were listed on Section B and therefore it comes zero percent tolerance .Please provide cure documents.


Buyer Comment (2021-08-10): Please re-review and refer to SSPL (XXXXX images pg. 162 [XXXX]. Borrower shopped for title company and chose a provider not listed on the SSPL. Unlimited tolerance applies to these fees.
   08/18/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Title - Endorsement Fee. Fee Amount of $75.00 exceeds tolerance of $0.00.       Reviewer Comment (2021-08-18): XXXXX received corrected CD,proof of mailing, Copy of refund check and LOX.


Reviewer Comment (2021-08-17): XXXXX: received LOE, Copy of check, Proof of delivery and PCCD. However, The provided PCCD  is not legible as all the page are cut off from bottom. Please provide legible copy of PCCD.


Buyer Comment (2021-08-16): Copy of check, Shipping label, LOX and corrected CD


Reviewer Comment (2021-08-10): XXXXX upon further review the Title fees were listed on Section B and therefore it comes zero percent tolerance .Please provide cure documents.


Buyer Comment (2021-08-10): Please re-review and refer to SSPL (XXXXX images pg. 162 [XXXX]. Borrower shopped for title company and chose a provider not listed on the SSPL. Unlimited tolerance applies to these fees.
   08/18/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Borrower and Mortgage Eligibility Mortgage / Program Eligibility Borrower and Mortgage Eligibility Guideline Requirement: Loan to value discrepancy.   Overlays Max LTV/CLTV XX%%/XX%.       Reviewer Comment (2021-09-15): Moved review to XXXXX client request XXXXX guides, and overlays LTV/CLTV allowed XX
 09/15/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit AUS Discrepancy / Guidelines Discrepancy Guideline Guideline Requirement: Combined loan to value discrepancy.   Overlays Max LTV/CLTV XX%%/XX%.       Reviewer Comment (2021-09-15): Moved review to XXXXX client request XXXXX guides, and overlays LTV/CLTV allowed XX
 09/15/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Moving from XXXXX to XXXXX review, client request.       Reviewer Comment (2021-09-15): Client confirmed see email in file.
 09/15/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Abstract / Title Search.  Fee Amount of $332.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-09-15): Sufficient Cure Provided within 60 Days of Closing
   09/15/2021   1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Recording Service Fee.  Fee Amount of $20.00 exceeds tolerance of $15.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-09-15): Sufficient Cure Provided within 60 Days of Closing
   09/15/2021   1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Wire /Funding/ Disbursement Fee.  Fee Amount of $30.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-09-15): Sufficient Cure Provided within 60 Days of Closing
   09/15/2021   1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Notice of Settlement Fee.  Fee Amount of $40.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-09-15): Sufficient Cure Provided within 60 Days of Closing
   09/15/2021   1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee.  Fee Amount of $75.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-09-15): Sufficient Cure Provided within 60 Days of Closing
   09/15/2021   1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Title - Examination Fee.  Fee Amount of $100.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower.         Reviewer Comment (2021-09-15): Sufficient Cure Provided within 60 Days of Closing
   09/15/2021   1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $118.00 exceeds tolerance of $0.00 plus 10% or $0.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient amount to cure Ten Percent Tolerance Fee       Reviewer Comment (2021-10-20): Sufficient Cure Provided At Closing
   10/20/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $3,836.10 exceeds tolerance of $3,465.00.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient amount to cure Zero Percent Tolerance Fee       Reviewer Comment (2021-10-20): Sufficient Cure Provided At Closing
   10/20/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file -- Lender to Confirm Loan Program Used.       Reviewer Comment (2021-10-25): Client Confirmed loan reviewed to XXXXX guidelines.


Buyer Comment (2021-10-22): This loan was submitted as an XXXXX as shown on the AUS provided and 1008. Please proceed as Express and clear exception.
 10/25/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $770.00 exceeds tolerance of $728.00.  Sufficient or excess cure was provided to the borrower at Closing. Cure provided at closing.       Reviewer Comment (2021-08-31): Sufficient Cure Provided At Closing
   08/31/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file.       Reviewer Comment (2021-09-10): The program was confirmed by the client, exception cleared.


Buyer Comment (2021-09-09): This loan was submitted as an XXXXX as shown on the AUS provided and 1008. Please waive.
 09/10/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $134.00 exceeds tolerance of $120.00 plus 10% or $132.00.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $2 due to increase of recording fee.  No valid COC provided, nor evidence of cure in file.       Reviewer Comment (2021-10-13): XXXXX has received corrected PCCD, copy of refund check, proof of mailing and LOE to borrower.


Buyer Comment (2021-10-12): LOE, PCCD, refund check and proof of delivery
   10/13/2021   2 B   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   - Data tape on file states XXXXX, however AUS in file       Reviewer Comment (2021-10-04): Client Confirmed loan to reviewed XXXXX guidelines. AUS (DU) shows risk Approve/Ineligible on the file.


Buyer Comment (2021-10-01): This loan was submitted as an XXXXX as shown on the AUS provided and 1008. Please waive.
 10/04/2021     1 A   XX Primary Purchase   C B B A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. -         Reviewer Comment (2021-10-22): Quarterly Statement is only available and present in file till XX/XX/XX exception cleared.


Buyer Comment (2021-10-21): This loan closed XX/XX/XX. The statement for July-September would not have been available for XXXXX


Reviewer Comment (2021-10-18): Please provide a bank statements for account number XXXXX, and 401K accounts within 90 days from the note date.


Buyer Comment (2021-10-15): Bank statements provided.
 10/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Guideline Guideline Issue Guideline Aged document: Asset Account date is more than 90 days prior to Closing. - We have bank statements from April to June however we need consecutive bank statements within 90 days from the note date.       Reviewer Comment (2021-10-22): Bank Account XXXXX - Updated Bank Statement received. Exception cleared.


Buyer Comment (2021-10-21): This loan closed XX/XX/XX. The statement for July-September would not have been available.
 10/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1.         Reviewer Comment (2021-09-14): XXXXX received Letter of Explanation & Corrected Closing Disclosure.


Buyer Comment (2021-09-13): LOE, Corrected CD
   09/14/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $5,653.96 exceeds tolerance of $4,305.21.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $5,653.96 exceeds tolerance of $2,687.00. Insufficient or no cure was provided to the borrower.       Reviewer Comment (2021-09-14): XXXXX Received COC dated XX/XX/XX therefore no cure require.


Buyer Comment (2021-09-13): LOE


Reviewer Comment (2021-09-03): XXXXX received two COC dated XX/XX/XX stating " Rate lock extended" however we need reason as to why the rate lock extended on the same date CD dated XX/XX/XX or provide cure docs.


Buyer Comment (2021-09-02): COCs and CD uploaded


Buyer Comment (2021-09-02): Exception disclosed 2 different binding tolerance amounts. COC in file $4305.21, please confirm this is the binding tolerance XXXXX is using.
 09/14/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,980.00 exceeds tolerance of $1,320.00.  Insufficient or no cure was provided to the borrower. Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $1,980.00 exceeds tolerance of $1,320.00. Insufficient or no cure was provided to the borrower.       Reviewer Comment (2021-09-28): XXXXX Received  Final Settlement Statement. Exception Cleared.


Buyer Comment (2021-09-28): Settlement statement


Reviewer Comment (2021-09-22): XXXXX has not received any Final Settlement Statement or Disbursement ledger which would confirm the final cash to close of the borrower. Kindly provide the same in order to evaluate further. Else, please provide the copy of refund check of $660 along with the proof of mailing / shipping label.


Buyer Comment (2021-09-21): Final settlement statement


Reviewer Comment (2021-09-14): XXXXX Received PCCD XX/XX/XX and LOE however Please Provide Final settlement statement to confirm cure has already provided to the borrower or please provide cure of Copy of check $660.00 along with proof of mailing and LOE.
 09/28/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Estimated Taxes, Insurance And Assessments TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on XX/XX/XX disclosed an Estimated Taxes, Insurance, and Assessments payment that does not match the actual payment for the loan. Estimated property costs were not disclosed in CD dated XX/XX/XX       Reviewer Comment (2021-09-14): XXXXX received Letter of Explanation & Corrected Closing Disclosure.


Buyer Comment (2021-09-14): Please see corrected cure documents. XX/XX/XX CD.
   09/14/2021   2 B   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1 TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. Estimated property costs were not disclosed in CD dated XX/XX/XX       Reviewer Comment (2021-09-14): XXXXX received Letter of Explanation & Corrected Closing Disclosure.


Buyer Comment (2021-09-14): Please review cure docs provided
   09/14/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure - 1026.19(f)(2) Cure TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $1,980.00 exceeds tolerance of $1,320.00.  Sufficient or excess cure was provided to the borrower. n/a       Reviewer Comment (2021-09-14): Sufficient Cure Provided within 60 Days of Closing
   09/14/2021   1 A   XX Primary Purchase   C B A A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Asset Asset Calculation / Analysis Asset Available for Closing is insufficient to cover Cash From Borrower.   Insufficient liquid funds to close, would need to utilize part of retirement account funds to verify sufficient funds.       Reviewer Comment (2021-09-24): IRA account is not excluded from the closing, updated assets as per the AUS, exception cleared.


Buyer Comment (2021-09-23): CD reflects cash from borrower XXXXX vs. XXXXX. Please clarify exception.
 09/24/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Finance Charge TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XX disclosed an inaccurate Finance Charge on page 5 that does not match the actual Finance Charge for the loan (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated XX/XX/XX). Final Closing Disclosure disclosed a finance charge of 751,043.98; calculated finance charge is $751,153.98, which is a difference of $110.00 for the subject purchase transaction.       Reviewer Comment (2021-10-28): Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, and Corrected CD provided.


Buyer Comment (2021-10-26): PCCD, LOE, refund check and tracking


Reviewer Comment (2021-10-15): PCCD received and since fees have changed on XX/XX/XX CD, the Finance Charge discrepancy is now reflecting a difference of $285.00. Provide PCCD, LOE to borrower, refund check and proof of delivery for additional cure required of $175.00.


Buyer Comment (2021-10-13): LOE, PCCD, refund check and tracking
   10/28/2021   2 B   XX Primary Purchase TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission if Applicable C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file.       Reviewer Comment (2021-09-24): The program was confirmed by the client, exception cleared.


Buyer Comment (2021-09-23): Loan to be reviewed as XXXXX
 09/24/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - Missing Statement for 2nd Mortgage confirming P&I.       Reviewer Comment (2021-10-28): Received first payment letter for both the mortgage. Exception cleared.


Buyer Comment (2021-10-27): First payment letter-signed.


Reviewer Comment (2021-10-22): First payment letter is present in the file for 1st mortgage amount of $XXXX and 2nd mortgage amount of $XXXX, however, its not executed by the borrowers, please provided signed and dated final Closing Disclosure for both the mortgage or signed and dated first payment letter for each mortgage. Exception remains.


Buyer Comment (2021-10-21): Hud settlement statement, home equity docs, lease . These docs show the transaction was completed.


Reviewer Comment (2021-10-14): Received 2nd Mortgage first payment letter, however, it is not signed/dated by borrower. provide Final CD and/or supporting document to support first payment letter amount and to validate  refinance has completed for 2nd mortgage. Exception Remains.


Buyer Comment (2021-10-13): 2nd Mortgage Payment Letter attached


Reviewer Comment (2021-09-30): Received mortgage statement is for 1st mortgage of $2,720.48. Please provide Statement for 2nd Mortgage confirming P&I. Exception remains.


Buyer Comment (2021-09-29): 2nd mtg statement
 10/28/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $3,836.00 exceeds tolerance of $1,599.00 plus 10% or $1,758.90.  Insufficient or no cure was provided to the borrower. 10% tolerance was exceeded by $2077.10 due to increase of settlement/closing/escrow fee, endorsement fee and lenders tile insurance fee.  No valid COC provided, nor evidence of cure in file. Provide a post-close CD disclosing the tolerance cure to include $2077.10, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-09-16): Upon further review the exception is cleared.


Reviewer Comment (2021-09-16): File has been re-reviewed by internal compliance. It is acknowledged that the final settlement statement is indeed signed/dated by all required parties, however the problem is that the closing statements in file now do not show the lenders title insurance fee noted on the provided PCCD (CS - $175 vs PCCD - $1138). The closing statement has to match the fees on the PCCD to show the borrower was never charged the title insurance fee shown on the final CD. Or standard cure documents, (PCCD, copy of check, proof of delivery, etc..) to show borrower was made whole.


Buyer Comment (2021-09-16): The $963.00 is not being used as a tolerance cure. the final 10% charges as disclosed on the final Closing Statement are no under disclosed by $2077.10 due to the actual amounts charged by to the borrower. The "Broker tolerance cure" which has been acknowledged by XXXXX as acceptable even though it is in the wrong place that was provided at closing is now a sufficient amount to cure the 10% tolerance amount remaining, see clarity images page 662 other for updated 10% calcu based on the correct final fee.


Buyer Comment (2021-09-16): The Settlement statement is final, dated XX/XX/XX and is signed, see XXXX signature page for settlement statement and signed by the borrowers and Settlement agent. The CD shows the full amount the Lenders title insurance as required by the CFPB, $1138.00 on page 2. as directed by the CFPB the rebate should not be deducted from the Title insurance disclosed on the CD. Therefore $175.00 on the closing statement + $963.00 the rebate equals $1138.00 as disclosed on page 2. Please re-review and advise.


Reviewer Comment (2021-09-16): The PCCD is considered a correction.  The borrower was charged $2437 for Lender's title insurance at closing on XX/XX/XX. On XX/XX/XX a PCCD was provided indicating the fee was reduced to $1138.  The closing statements are not signed and dated final closing statements, nor do they support the $1138 amount shown on the PCCD.  The $963 adjustment was shown on the XX/XX/XX, XX/XX/XX and XX/XX/XX CD's and cannot be credited to cure.  XXXXX required proof the borrower was made whole for the charges on the final CD, or were not charged for the title insurance on the final CD.  No refund check and required cure documents, or closing statement has been located in loan file indicating the fee change has been cured, or did not occur at closing.


Buyer Comment (2021-09-15): XXXXX compliance has already established the "broker cure" for tolerance is not page 2 but is considered a refund cure. Please rerun compliance based on the actual fees documented by the PCCD and Final Settlement statement provided. The Lender Title insurance decrease has changed the cure amount, which is already covered by the Broker tolerance cure.


Reviewer Comment (2021-09-15): Provided PCCD shows cure, incorrectly, on page 3 in the amount of $1116.60.  The remaining cure is not listed as a tolerance cure and cannot be counted towards that amount.  Please provide PCCD and LOE showing full cure required in section J.


Buyer Comment (2021-09-14): LOE or PCCD


Reviewer Comment (2021-08-31): File was escalated with information provided on most recent letter uploaded for review on XX/XX/XX. Per internal compliance review: It is not clear from the placement on the CD that all fees are for a tolerance cure.  Corrected CD and LOE required to clear exception. **It is not evident on the CD that the title adjustment premium was applied due to a tolerance violation** Please provide LOE to borrower and corrected CD showing full tolerance cure amount needed of $2077.10.


Buyer Comment (2021-08-31): LOX for 10% tolerance


Reviewer Comment (2021-08-24): XXXXX received letter from lender.  It is not clear from the placement on the CD that all fees are for a tolerance cure.  Corrected CD and LOE required to clear exception.


Buyer Comment (2021-08-20): Please see Lender LOE - I believe this may have been previously provided however loan flipped back with no response/comment from XXXXX.


Buyer Comment (2021-07-28): Lender rebuttal
 09/16/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $2,612.00 exceeds tolerance of $1,599.00 plus 10% or $1,758.90.  Sufficient or excess cure was provided to the borrower at Closing. Sufficient cure provided at closing.       Reviewer Comment (2021-09-16): Sufficient Cure Provided At Closing
   09/16/2021   1 A   XX Primary Purchase Final CD evidences Cure C A A A C A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Loan Package Documentation Loan File Missing Document  Missing Document: Hazard Insurance Policy not provided           Reviewer Comment (2021-11-22): Received Hazard Insurance Policy for subject property. Exception Cleared.


Buyer Comment (2021-11-19): Property Insurance Policy XXXXX uploaded


Reviewer Comment (2021-11-16): Provided Hazard Insurance Binder is for investment property 'XXXXX', please provide hazard insurance document for subject property 'XXXXX'. Exception remains.


Buyer Comment (2021-11-15): Hazard Insurance Uploaded
 11/22/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file- Please confirm Program Type.       Reviewer Comment (2021-11-11): Loan Program is XXXXX and AUS with recommendation as Approve/Ineligible is in file. Exception cleared.


Buyer Comment (2021-11-10): Confirmed XXXXX
 11/11/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Missing Document REO Documents are missing. - All components of the PITIA must be documented/verified for each property.  Missing HOA verification.       Reviewer Comment (2021-11-16): Received ACH verification document for HOA payment of $229.42. Exception cleared.


Buyer Comment (2021-11-15): HOA verification XXXXX. uploaded
 11/16/2021     1 A   XX Primary Purchase   C A C A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file- Please confirm Program Type       Reviewer Comment (2021-11-24): Confirmation received to proceed Loan program as XXXXX. Exception cleared.


Buyer Comment (2021-11-23): confirmed XXXXX; lock attached
 11/24/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance Insufficient Coverage: Hazard insurance coverage amount is insufficient.   HOI coverage is insufficient by XXXXX.  Provide updated policy reflecting minimum coverage of XXXXX OR provide copy of insurer's replacement cost estimate supporting current  coverage amount.       Reviewer Comment (2021-11-30): Received RCE (Screenshot) with insurance company Letter. Exception Cleared.


Buyer Comment (2021-11-29): RCE
 11/30/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Property Property - Appraisal Appraisal Documentation Property - Appraisal Loan is to be securitized.  Secondary  valuation is missing.; Sec ID: 2 Note Date:  ___; Lien Position: ___ The file is missing a copy of the secondary valuation required for securitization purposes.       Reviewer Comment (2021-12-01): As per the XXXXX Appraisal Requirements, Seller must order a XXXXX. Loans with a collateral uw score of 2.5 or lower are exempt from this requirement, UCDP reflecting collateral uw score of 1.8 and XXXXX is not required. Exception cleared.


Buyer Comment (2021-11-30): UW Score 1.8. XXXXX not required
 12/01/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file- Please confirm Program Type.       Reviewer Comment (2021-11-24): Loan reviewed as per XXXXX as confirmed by deal notes. Exception cleared


Buyer Comment (2021-11-23): Loan is XXXXX- please clear
 11/24/2021     1 A   XX Primary Purchase   D A C A A A D A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $154.00 exceeds tolerance of $125.00 plus 10% or $137.50.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-11-09): Sufficient Cure Provided At Closing
   11/09/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee.  Fee Amount of $1,236.00 exceeds tolerance of $1,200.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-11-09): Sufficient Cure Provided At Closing
   11/09/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Credit Report Fee.  Fee Amount of $78.56 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing.         Reviewer Comment (2021-11-09): Sufficient Cure Provided At Closing
   11/09/2021   1 A   XX Primary Purchase Final CD evidences Cure B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file- Please confirm Program Type.       Reviewer Comment (2021-11-12): Client Confirmed Loan to reviewed XXXXX Guideline. AUS with Approve/Ineligible risk result on the file.


Buyer Comment (2021-11-11): Please proceed as an XXXXX.
 11/12/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Income / Employment Income Documentation Income / Employment Income Docs Missing: - Most recent 2 year period is required per DU.  Missing XXXXX W2 for XXXXX.       Reviewer Comment (2021-11-09): Received XXXXX W2. Exception cleared.


Buyer Comment (2021-11-08): XXXXX W2 attached


Buyer Comment (2021-11-08): .


Reviewer Comment (2021-11-04): Provided W-2 Wage and Income Transcript is already present in the file, Please provide W-2 for XXXXX to clear this exception. Exception remains.


Buyer Comment (2021-11-03): W2 Tax Transcripts uploaded.
 11/09/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Insurance Insurance Analysis Insurance The Hazard Insurance Policy effective date is after the Transaction Date. Hazard Insurance Policy Effective Date ___, Transaction Date:  ___ The Hazard Insurance Policy Effective Date of XX/XX/XX is after Transaction Date of XX/XX/XX.       Reviewer Comment (2021-11-05): Updated PCCD received with disbursement date of XX/XX/XX which is post HOI effective date XX/XX/XX. Exception cleared.


Buyer Comment (2021-11-04): The attached Post CLosing CD shows Disbursement Date of XX/XX/XX and the effective date for the HOI is XX/XX/XX.  Please clear this condition
 11/05/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Final Closing Disclosure Total Property Costs Year 1 - October 2018 Test TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of XXXX on Final Closing Disclosure provided on XX/XX/XX not accurate. The final CD disclosed the Amount of Total Property Costs over Year 1 as $XXXX on page 4; however the annual taxes ($XXXX) and homeowners insurance ($XXXX) total are $XXXX per year.  Final CD reflects Estimated Taxes, Insurance & Assessments of $XXXX monthly, correct amount is $XXXX. Provide a post-close CD correcting on page 4 and Estimated Taxes, Insurance & Assessments on page 1; and a copy of the letter of explanation letter sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-10): XXXXX received Corrected Cd and LOX.


Buyer Comment (2021-11-09): The LOE was uploaded on XX/XX/XX.  Please refer to XXXXX Images pg 316 [D0146]


Reviewer Comment (2021-11-08): XXXXX received PCCD correcting total property costs. Please provide LOE to borrower to cure.


Buyer Comment (2021-11-04): LOE and PCCD
   11/10/2021   2 B   XX Primary Purchase Letter of Explanation & Corrected Closing Disclosure C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Eligible in file- Please confirm Program Type.       Reviewer Comment (2021-11-01): Loan Program is XXXXX and AUS with recommendation as Approve/Ineligible is in file, exception cleared.


Buyer Comment (2021-10-29): MaxEx Loan Lock Confirmation reflects loan locked on XX/XX/XX as XXXXX.  1008 reflects AUS; Please clear this finding.
 11/01/2021     1 A   XX Primary Purchase   C B C A C B A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No
[redacted] [redacted] [redacted] [redacted] XXXX     Compliance Compliance Federal Compliance TRID Defect TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Loan Discount Points.  Fee Amount of $6,310.55 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. Loan Discount Point Fee was not disclosed on Loan Estimate. Loan lock on XX/XX/XX and COC in file, however no evidence COC or corresponding LE was provided to borrower with in allowed time frame. Provide a post-close CD disclosing the tolerance cure to include $6,310.55, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.       Reviewer Comment (2021-11-30): XXXXX received LE dated XX/XX/XX, COC XX/XX/XX & Lock Confirmation dated XX/XX/XX.


Buyer Comment (2021-11-29): LE and COC
 11/30/2021     1 A   XX Primary Purchase Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD C A B A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) Yes
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects XXXXX program, however AUS Approve/Ineligible in file. File reviewed as XXXXX program. Please confirm program.       Reviewer Comment (2021-11-29): Client confirmed loan re-reviewed to XXXXX guides.


Buyer Comment (2021-11-26): Loan locked as XXXXX: 1008 indicates Manual UW & XX/XX/XX Lock Confirmation reflects XXXXX;
Please see uploaded Lock & clear this finding.


Buyer Comment (2021-11-26): Loan locked as XXXXX:  1008 indicates Manual UW & XX/XX/XX Lock Confirmation reflects XXXXX; Please see uploaded Lock & clear this finding.
 11/29/2021     1 A   XX Primary Purchase   C A B A C A A A Safe Harbor QM (43-Q) Safe Harbor QM (43-Q) No
[redacted] [redacted] [redacted] [redacted] XXXX     Credit Credit Miscellaneous Credit Miscellaneous Credit (Non-Material):   Data Tape reflects Jumbo, however AUS Approve/Ineligible in file -- Lender to Confirm Loan Program Used.       Reviewer Comment (2021-10-11): Client Confirmed loan to reviewed XXXXX guidelines. AUS (DU) with risk Approve/Ineligible on the file.


Buyer Comment (2021-10-08): Loan to be review as XXXXX.
 10/11/2021     1 A   XX Primary Purchase   B A B A A A A A Safe Harbor QM (APOR) Safe Harbor QM (APOR) No