EXHIBIT 99.22
| Seller | Loan ID | Alternate Loan ID | Investor Loan ID | Queue | Created Date | Last Modified Date | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Reviewer Comments | Seller Comments | Finding Resolution | Finding Document | Reviewer Comp Factors | Originator Comp Factors | State | Occupancy | Loan Purpose | Refinance Purpose | Unique Finding ID | Acknowledged / Waived By | Waiver in File? |
| XXXX | XXXX | 10322 | Closed | 2022-06-27 19:08 | 2022-12-16 15:34 | Resolved | 1 - Information | C | A | Credit | Credit | Deficient undewriting exception form. | XXXX | XXXX |
Resolved-Borrower has 9 financed properties totaling $1,694,231 which is less than 10 financed properties and maximum of $4,000,000 required by the guideline. Finding resolved. ( see uploaded documents). - Due Diligence Vendor-06/27/2022 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 510281 | N/A | N/A | |||
| XXXX | XXXX | 10325 | Closed | 2022-06-30 08:53 | 2022-07-22 15:44 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Missing | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/01/2022 Ready for Review-Document Uploaded. Please see the attached Flood Ins policy. Please clear the condition. - Seller-07/01/2022 Open-Missing Flood Insurance Policy - Due Diligence Vendor-06/30/2022 |
Ready for Review-Document Uploaded. Please see the attached Flood Ins policy. Please clear the condition. - Seller-07/01/2022 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/01/2022 |
XXXX | FL | Investment | Purchase | NA | 524540 | N/A | N/A | |||
| XXXX | XXXX | 10325 | Closed | 2022-06-30 17:03 | 2022-07-06 14:43 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | XXXX | XXXX |
FL | Investment | Purchase | NA | 525470 | N/A | N/A | |||||
| XXXX | XXXX | 10325 | Closed | 2022-06-30 17:04 | 2022-07-06 14:38 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Not all borrowers signed HUD | XXXX | XXXX |
Resolved-Acceptable explanation finding resolved. - Due Diligence Vendor-07/06/2022 |
FL | Investment | Purchase | NA | 525476 | N/A | N/A | ||||
| XXXX | XXXX | 10325 | Closed | 2022-06-30 17:03 | 2022-07-06 14:37 | Resolved | 1 - Information | C | A | Compliance | Compliance | Note; missing, illegible or incomplete. | XXXX | XXXX |
Resolved-Acceptable explanation finding resolved. - Due Diligence Vendor-07/06/2022 |
FL | Investment | Purchase | NA | 525471 | N/A | N/A | ||||
| XXXX | XXXX | 10327 | Closed | 2022-07-01 06:56 | 2022-07-06 14:51 | Resolved | 1 - Information | C | A | Compliance | Closing | Final HUD-1 Closing Date does not match Transaction Date | XXXX | Ready for Review-Document Uploaded. Please see the attached Final Hud 1 showing closing date the Note and DOT are dated correctly the final hud 1 does not t have to be the same date as the NOTE/ DOT. Please clear the condition. - Seller-07/05/2022 |
Resolved-Acceptable and acknowledged. Finding resolved - Due Diligence Vendor-07/06/2022 |
XXXX | CA | Investment | Refinance | No Cash Out - Borrower Initiated | 526577 | N/A | N/A | |||
| XXXX | XXXX | 10328 | Closed | 2022-07-05 09:52 | 2022-07-22 15:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 2 Ethnicity Selection is Not Provided | Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 Rescinded-Borrower 2 Ethnicity Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022 |
Resolved-Borrower 2 Ethnicity Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 Rescinded-Borrower 2 Ethnicity Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022 |
CA | Investment | Refinance | Cash Out - Other | 528198 | N/A | N/A | |||||
| XXXX | XXXX | 10328 | Closed | 2022-07-05 09:52 | 2022-07-22 15:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 2 Gender Selection is Not Provided | Resolved-Borrower 2 Gender Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 Rescinded-Borrower 2 Gender Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022 |
Resolved-Borrower 2 Gender Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 Rescinded-Borrower 2 Gender Selection is Not Provided Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/05/2022 |
CA | Investment | Refinance | Cash Out - Other | 528199 | N/A | N/A | |||||
| XXXX | XXXX | 10328 | Closed | 2022-07-06 13:45 | 2022-07-22 15:41 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower 2 Race Selection is Not Provided | Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 Rescinded-Borrower 2 Race Selection is Not Provided - Due Diligence Vendor-07/06/2022 Rescinded-Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/06/2022 |
Resolved-Borrower 2 Race Selection is Provided or is Not Applicable (Number of Borrowers is 2) - Due Diligence Vendor-07/14/2022 Rescinded-Borrower 2 Race Selection is Not Provided - Due Diligence Vendor-07/06/2022 Rescinded-Will be resolved by open finding for Final 1003 for borrower 2 - Due Diligence Vendor-07/06/2022 |
CA | Investment | Refinance | Cash Out - Other | 530937 | N/A | N/A | |||||
| XXXX | XXXX | 10328 | Closed | 2022-07-06 14:05 | 2022-07-22 15:41 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Incomplete | XXXX | XXXX |
Resolved-The Final 1003 is Present - Due Diligence Vendor-07/14/2022 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 531040 | N/A | N/A | |||
| XXXX | XXXX | 10329 | Closed | 2022-07-06 06:24 | 2022-12-15 23:26 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Loan does not conform to program guidelines | XXXX | XXXX |
1. High reserves, 6 mos required (total 16..68 mos) 2. High FICO score (currently 771) 3. Mortgage history 0x30 |
MO | Investment | Purchase | NA | 530370 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10332 | Closed | 2022-07-19 00:39 | 2023-01-09 19:52 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Insurance Policy Partially Provided | Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/19/2022 Ready for Review-Document Uploaded. Please see attached Flood Declarations Page which includes the premium. Please clear this exception. - Seller-07/19/2022 Open-Flood Insurance Policy Partially Provided The provided flood insurance policy does not have a premium. Please provide updated documentation. - Due Diligence Vendor-07/19/2022 |
Ready for Review-Document Uploaded. Please see attached Flood Declarations Page which includes the premium. Please clear this exception. - Seller-07/19/2022 |
Resolved-Flood Insurance Policy is fully present - Due Diligence Vendor-07/19/2022 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 555893 | N/A | N/A | |||
| XXXX | XXXX | 10332 | Closed | 2022-07-18 21:12 | 2022-07-19 20:37 | Resolved | 1 - Information | C | A | Compliance | Right to Rescind | TILA Right of Rescission Test | XXXX | XXXX |
Resolved-No timing issues. finding resolved. - Due Diligence Vendor-07/19/2022 |
XXXX | FL | Primary Residence | Refinance | Cash Out - Other | 555638 | N/A | N/A | |||
| XXXX | XXXX | 10115 | Closed | 2022-07-25 05:43 | 2022-08-30 14:58 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited HCLTV Exceeds Guideline HCLTV | Resolved- - Due Diligence Vendor-08/30/2022 Open- - Due Diligence Vendor-08/30/2022 Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 Open-Audited HLTV of 80% exceeds Guideline HCLTV of 75% Per guidelines the maximum LTV for a DSCR purchase with 666 qualifying FICO is 75%. This loan is at 80% please provide exception or explanation. - Due Diligence Vendor-07/25/2022 |
Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 |
Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 |
pg 136-137 GL.pdf | GA | Investment | Purchase | NA | 567299 | N/A | N/A | |||
| XXXX | XXXX | 10115 | Closed | 2022-07-25 05:43 | 2022-08-30 14:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Resolved- - Due Diligence Vendor-08/30/2022 Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% Per guidelines the maximum LTV for a DSCR purchase with 666 qualifying FICO is 75%. This loan is at 80% please provide exception or explanation. - Due Diligence Vendor-07/25/2022 |
Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 |
Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 |
pg 136-137 GL.pdf | GA | Investment | Purchase | NA | 567298 | N/A | N/A | |||
| XXXX | XXXX | 10115 | Closed | 2022-07-25 05:43 | 2022-08-30 14:57 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Resolved- - Due Diligence Vendor-08/30/2022 Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 Open-Audited LTV of 80% exceeds Guideline LTV of 75% Per guidelines the maximum LTV for a DSCR purchase with 666 qualifying FICO is 75%. This loan is at 80% please provide exception or explanation. - Due Diligence Vendor-07/25/2022 |
Ready for Review-Document Uploaded. Per the guidelines we can go up to 80% with using the broker score 0f 680. Please see the attached guidelines and please clear the exception no exception is needed. - Seller-07/29/2022 |
Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 |
pg 136-137 GL.pdf | GA | Investment | Purchase | NA | 567300 | N/A | N/A | |||
| XXXX | XXXX | 10115 | Closed | 2022-08-08 20:03 | 2022-08-18 20:30 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR is less than 1.00 | Resolved-Lender used higher market rent of $2100 on page 383 as rental income. DSCR = 2100/1870.8 = 1.12. Finding Resolved. - Due Diligence Vendor-08/18/2022 Ready for Review-We used the 2nd appraisal for the value which was lower and should have also used the lower market rents from that appraisal as well. But used the higher market rents from Appraisal 1 which used 2 comps that were further away. Please clear the condition. - Seller-08/17/2022 Open-Calculated DSCR is 1650/1870.80 = 0.88 while the Tape Data is showing a DSCR of 1.12 Please Clarify or provide justification. - Due Diligence Vendor-08/08/2022 |
Ready for Review-We used the 2nd appraisal for the value which was lower and should have also used the lower market rents from that appraisal as well. But used the higher market rents from Appraisal 1 which used 2 comps that were further away. Please clear the condition. - Seller-08/17/2022 |
Resolved-Lender used higher market rent of $2100 on page 383 as rental income. DSCR = 2100/1870.8 = 1.12. Finding Resolved. - Due Diligence Vendor-08/18/2022 |
GA | Investment | Purchase | NA | 590334 | N/A | N/A | ||||
| XXXX | XXXX | 10115 | Closed | 2022-07-25 06:29 | 2022-07-30 03:58 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 Ready for Review-Document Uploaded. Please see the attached we went off the broker credit score which is 680 which we are allowed to use for this loan type in our system we used the broker credit score of 680. Please clear the exception. - Seller-07/28/2022 Open-As per the Latest Appraisal form 1007 which is on Page 293 we are getting a DSCR value of 0.88, $1650/$1870.80 = 0.88 If we calculate DSCR with older Appraisal form 1007 which is on Page 251 we will get 1.12, $2100/$1870.80 = 1.12, Originator considered the older value, we have updated latest one. On tape data FICO score is updated from Old credit report which is on Page #193, True data's FICO score is updated from Latest credit report which is on Page #226 - Due Diligence Vendor-07/25/2022 |
Ready for Review-Document Uploaded. Please see the attached we went off the broker credit score which is 680 which we are allowed to use for this loan type in our system we used the broker credit score of 680. Please clear the exception. - Seller-07/28/2022 |
Resolved-Per the guidelines we can go up to 80% with using the broker score 0f 680. - Due Diligence Vendor-07/30/2022 |
XXXX | GA | Investment | Purchase | NA | 567314 | N/A | N/A | |||
| XXXX | XXXX | 10338 | Closed | 2022-07-28 15:13 | 2022-12-15 23:47 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Waived-Loan Exception Letter Provided in File Pg: 180. Exception Type: Other. Current Guidelines: 12 Mo Housing History Required. Exception Request: Exception for not being document housing payment history. Borrower has housing history. Currently Owns Property free & Clear. Borrower is not a FTHB. - Due Diligence Vendor-07/28/2022 |
Waived-Loan Exception Letter Provided in File Pg: 180. Exception Type: Other. Current Guidelines: 12 Mo Housing History Required. Exception Request: Exception for not being document housing payment history. Borrower has housing history. Currently Owns Property free & Clear. Borrower is not a FTHB. - Due Diligence Vendor-07/28/2022 |
Compensating Factor: Reserves: $33,000. LTV: 70.70% FICO: 751. Years in Present Address: 5. Mortgage History: 0x30. |
FL | Investment | Purchase | NA | 575120 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10339 | Closed | 2022-08-02 16:11 | 2022-08-08 15:11 | Resolved | 1 - Information | C | A | Compliance | Missing Doc | Final HUD-1 Document is Missing | Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/08/2022 Rescinded-Document acceptable - Due Diligence Vendor-08/04/2022 Ready for Review-Document Uploaded. Please see attached Legible Final Settlement Statement. Please clear this exception. - Seller-08/03/2022 Open-The provided HUD document is ineligible please provide a clearer document. - Due Diligence Vendor-08/02/2022 |
Ready for Review-Document Uploaded. Please see attached Legible Final Settlement Statement. Please clear this exception. - Seller-08/03/2022 |
Resolved-Final HUD-1 Document is Present or Not Applicable - Due Diligence Vendor-08/08/2022 Rescinded-Document acceptable - Due Diligence Vendor-08/04/2022 |
XXXX | FL | Investment | Refinance | Cash Out - Other | 579954 | N/A | N/A | |||
| XXXX | XXXX | 10340 | Closed | 2022-07-29 05:52 | 2022-08-02 13:59 | Resolved | 1 - Information | D | A | Property | Missing Doc | Missing Primary Appraisal | Resolved-Validation Resolved - Due Diligence Vendor-08/02/2022 Ready for Review-Document Uploaded. Please see attached appraisal. Please clear the condition. - Seller-08/01/2022 Open-Primary Value has not been selected Please Provide Appraisal Report for Subject Property - Due Diligence Vendor-07/29/2022 |
Ready for Review-Document Uploaded. Please see attached appraisal. Please clear the condition. - Seller-08/01/2022 |
Resolved-Validation Resolved - Due Diligence Vendor-08/02/2022 |
XXXX | CO | Investment | Refinance | Cash Out - Other | 576312 | N/A | N/A | |||
| XXXX | XXXX | 10340 | Closed | 2022-07-29 05:52 | 2022-08-02 13:59 | Resolved | 1 - Information | C | A | Property | Appraisal | Missing Core Valuation Product | Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-08/02/2022 Ready for Review-Document Uploaded. Please see attached CU which supports the primary appraisal. Please clear the condition. - Seller-08/01/2022 Open-None of the Valuation entries contain core valuation types. Please Provide Appraisal Report for Subject Property - Due Diligence Vendor-07/29/2022 |
Ready for Review-Document Uploaded. Please see attached CU which supports the primary appraisal. Please clear the condition. - Seller-08/01/2022 |
Resolved-The valuation entries contain one of the core valuation types or all appraisals are waived. - Due Diligence Vendor-08/02/2022 |
XXXX | CO | Investment | Refinance | Cash Out - Other | 576313 | N/A | N/A | |||
| XXXX | XXXX | 10340 | Closed | 2022-07-29 08:37 | 2022-08-02 13:51 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Data Discrepancy - Tape Data is Different to Original Document Data | Resolved-Appraisal report uploaded with completed form 1007. DSCR re-calculated as 1.01 - Due Diligence Vendor-08/02/2022 Ready for Review-Document Uploaded. Please see attached appraisal with completed 1007. Please clear the condition. - Seller-08/01/2022 Open-Calculated DSCR is 0.92. Considered Rent Amount from 1007 Pg #278 & PITIA from Diligence Final Look (Please Provide Appraisal Report ) - Due Diligence Vendor-07/29/2022 |
Ready for Review-Document Uploaded. Please see attached appraisal with completed 1007. Please clear the condition. - Seller-08/01/2022 |
Resolved-Appraisal report uploaded with completed form 1007. DSCR re-calculated as 1.01 - Due Diligence Vendor-08/02/2022 |
XXXX | CO | Investment | Refinance | Cash Out - Other | 576379 | N/A | N/A | |||
| XXXX | XXXX | 10341 | Closed | 2022-08-01 07:19 | 2022-08-09 15:10 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/09/2022 Ready for Review-Document Uploaded. Please see updated Patriot act for and DL for the borrowers. Please clear the condition. - Seller-08/05/2022 Open-Borrower 1 Citizenship Documentation Is Missing B1 Photo Identification is Missing, Provided USA PATRIOT CUSTOMER IDENTIFICATION VERIFICATION Pg: 620 is also Incomplete. - Due Diligence Vendor-08/01/2022 |
Ready for Review-Document Uploaded. Please see updated Patriot act for and DL for the borrowers. Please clear the condition. - Seller-08/05/2022 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-08/09/2022 |
XXXX | FL | Investment | Purchase | NA | 577880 | N/A | N/A | |||
| XXXX | XXXX | 10342 | Closed | 2022-08-03 02:50 | 2022-12-16 19:21 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Asset do not meet guidelines | XXXX | Ready for Review-Document Uploaded. Please see Approved Loan Exception. Please clear this exception. - Seller-08/04/2022 |
Waived-Exception for home equity rule has been received - Due Diligence Vendor-12/16/2022 |
XXXX | 1. Borrower has LOW DTI 16.09% 2. 4 Years rental at primary 3. With employer since 2013 |
PA | Primary Residence | Purchase | NA | 581196 | Originator Pre-Close | Yes | ||
| XXXX | XXXX | 10344 | Closed | 2022-08-02 06:42 | 2022-08-09 15:25 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Flood Certificate Missing | Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/09/2022 Ready for Review-Document Uploaded. Please see attached flood cert for rile, please clear the condition. - Seller-08/08/2022 Open-Missing Flood Certificate in Doc. - Due Diligence Vendor-08/02/2022 |
Ready for Review-Document Uploaded. Please see attached flood cert for rile, please clear the condition. - Seller-08/08/2022 |
Resolved-Flood Certificate is fully present - Due Diligence Vendor-08/09/2022 |
XXXX | CA | Investment | Refinance | Cash Out - Other | 579379 | N/A | N/A | |||
| XXXX | XXXX | 10346 | Closed | 2022-08-08 22:28 | 2022-10-18 22:08 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | XXXX | XXXX |
FICO 760; Assets post close more than $110,739.76 | IL | Investment | Purchase | NA | 590768 | Investor Post-Close | No | ||||
| XXXX | XXXX | 10347 | Closed | 2022-08-11 18:46 | 2023-01-13 17:25 | Waived | 2 - Non-Material | B | B | Credit | Credit | Lender Approved Exceptions Stipulations Not Met | XXXX | Waived-31.725K equity guideline requirement of 50K not met - Due Diligence Vendor-01/13/2023 Waived-Exception request found on pg. 943 in the file for the following: 50K net requirement and primary housing mortgage history. - Due Diligence Vendor-08/11/2022 |
778 fico score, Seasoned investor Meets trades with 5k line as well, 99 months of solid payment history |
PA | Investment | Refinance | Cash Out - Other | 598004 | Originator Post-Close | Yes | ||||
| XXXX | XXXX | 10347 | Closed | 2022-08-10 17:14 | 2022-08-15 14:04 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | XXXX | Ready for Review-Document Uploaded. Please see the attached updated prelim showing the correct coverage amount. Please clear the condition. - Seller-08/12/2022 |
Resolved-Title Coverage Amount of $103275 is equal to or greater than Total Amount of Subject Lien(s) - Due Diligence Vendor-08/15/2022 Resolved-Lender's uploaded supporting document reflects a Title Coverage Amount of $103,275 which is the correct coverage amount of the subject property. Finding Resolved. - Due Diligence Vendor-08/15/2022 |
Prelim-Title - updated_2022_08_12_@12_34_25.pdf | PA | Investment | Refinance | Cash Out - Other | 595283 | N/A | N/A | |||
| XXXX | XXXX | 10028 | Closed | 2022-08-18 16:43 | 2022-08-22 21:05 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Missing Verification of Rent | Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/22/2022 Ready for Review-Document Uploaded. Please see the attached verification of rents. Please clear the exception. - Seller-08/19/2022 Open-Document Uploaded. - Due Diligence Vendor-08/18/2022 Open-Missing Verification of Rent Please provide evidence of rental history as required by the guidelines. - Due Diligence Vendor-08/18/2022 |
Ready for Review-Document Uploaded. Please see the attached verification of rents. Please clear the exception. - Seller-08/19/2022 |
Resolved-Document uploaded. Finding Resolved. - Due Diligence Vendor-08/22/2022 |
Rent History Requirement.png 20220819165136678.pdf |
TX | Investment | Refinance | Cash Out - Other | 610254 | N/A | N/A | |||
| XXXX | XXXX | 10031 | Closed | 2022-08-17 08:11 | 2022-08-18 14:30 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Asset do not meet guidelines | Waived-Equity Must be $50000 or higher per guidelines - Due Diligence Vendor-08/17/2022 |
Waived-Equity Must be $50000 or higher per guidelines - Due Diligence Vendor-08/17/2022 |
XXXX | IL | Investment | Purchase | NA | 606819 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10033 | Closed | 2022-08-22 20:35 | 2022-09-02 21:25 | Resolved | 1 - Information | B | A | Compliance | Compliance | TRID CD disclosure violation; missing tax deductions information on Closing Disclosure. | Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 Ready for Review-Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/02/2022 Open-The Final Disclosure on page 580 does not show that an escrow account was set up for property taxes which is contrary to Impound authorization on page 1087. Please clarification or justification. - Due Diligence Vendor-08/22/2022 |
Ready for Review-Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/02/2022 |
Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 |
CO | Primary Residence | Purchase | NA | 616066 | N/A | N/A | ||||
| XXXX | XXXX | 10033 | Closed | 2022-08-19 11:21 | 2022-09-02 14:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 Ready for Review-Document Uploaded. . Property taxes are included in the HOA payment. - Seller-09/01/2022 Open-This loan failed the higher-priced mortgage loan required escrow account test. ( 12 CFR §1026.35(b) )This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. Please provide final CD reflecting property taxes escrow. page 580 - Due Diligence Vendor-08/19/2022 |
Ready for Review-Document Uploaded. . Property taxes are included in the HOA payment. - Seller-09/01/2022 |
Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 |
XXXX | CO | Primary Residence | Purchase | NA | 611719 | N/A | N/A | |||
| XXXX | XXXX | 10033 | Closed | 2022-08-19 11:21 | 2022-09-02 14:45 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Required Escrow Account Test | Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 Ready for Review-Document Uploaded. Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/01/2022 Open-This loan failed the higher-priced mortgage loan required escrow account test. ( 12 CFR §1026.35(b) )This loan fails to collect reserves for either:The payment of homeowner's insurance and property taxes for properties that are not a condominium, high rise condominium, or planned unit development, orThe loan contains a custom fee with an associated attribute of "escrow or reserves" but the fee does not have a dollar value listed; orThe payment of property taxes for condominium, or high rise condominium, or planned unit development.Except as provided in 1026.35(b)(2) regarding exemptions, a creditor may not extend a higher-priced mortgage loan secured by a first lien on a consumer's principal dwelling unless an escrow account is established before consummation for payment of property taxes and premiums for mortgage-related insurance required by the creditor, such as insurance against loss of or damage to property, or against liability arising out of the ownership or use of the property, or insurance protecting the creditor against the consumer's default or other credit loss.Insurance premiums described in above need not be included in escrow accounts for loans secured by dwellings in condominiums, planned unit developments, or other common interest communities in which dwelling ownership requires participation in a governing association, where the governing association has an obligation to the dwelling owners to maintain a master policy insuring all dwellings.PLEASE NOTE:(1)This test does not consider whether the creditor complies with 12 CFR §1026.35(b)(2)(iii) regarding properties that are located in counties designated as either "rural" or "underserved" by the Consumer Financial Protection Bureau.(2)This test does not account for instances when mortgage insurance reserves must be escrowed based on 12 CFR §1026.35. See Higher-Priced Mortgage Loan Alert (below) for full escrow requirements. Please provide final CD reflecting property taxes escrow. page 580 - Due Diligence Vendor-08/19/2022 |
Ready for Review-Document Uploaded. Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/01/2022 |
Resolved-Taxes included in HOA - Due Diligence Vendor-09/02/2022 |
XXXX | CO | Primary Residence | Purchase | NA | 611720 | N/A | N/A | |||
| XXXX | XXXX | 10033 | Closed | 2022-08-19 17:10 | 2022-09-01 22:10 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Property taxes are included in the HOA payment. Please clear the exception. - Seller-09/01/2022 |
Resolved-Taxes included in HOA - Due Diligence Vendor-09/01/2022 |
XXXX | CO | Primary Residence | Purchase | NA | 612812 | N/A | N/A | |||
| XXXX | XXXX | 10035 | Closed | 2022-08-25 08:03 | 2022-09-01 14:54 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Closing Disclosure Date and Funding Date Validation Test | XXXX | XXXX |
Resolved-Document acceptable - Due Diligence Vendor-09/01/2022 |
Closing_Disclosure_Documents_2022_08_31_630fc6c8a150e.pdf | CA | Primary Residence | Purchase | NA | 620856 | N/A | N/A | |||
| XXXX | XXXX | 10020 | Closed | 2022-08-29 22:20 | 2022-08-31 19:30 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Required rider to note is missing | Resolved-Riders required for investment properties this is a primary residence - Due Diligence Vendor-08/31/2022 Ready for Review-Document Uploaded. The note does not have riders they only have addendums. Please see the attached DOT there are no riders for this loan see page 2 . Please clear the exception. - Seller-08/31/2022 Open-Per guidelines a 1-4 family rider is required. Please provide. - Due Diligence Vendor-08/29/2022 |
Ready for Review-Document Uploaded. The note does not have riders they only have addendums. Please see the attached DOT there are no riders for this loan see page 2 . Please clear the exception. - Seller-08/31/2022 |
Resolved-Riders required for investment properties this is a primary residence - Due Diligence Vendor-08/31/2022 |
Mortgage - Deed of Trust_2022_08_31_@10_13_47.pdf | CA | Primary Residence | Purchase | NA | 626700 | N/A | N/A | |||
| XXXX | XXXX | 10022 | Closed | 2022-08-30 15:01 | 2022-09-01 22:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Purchase Contract is Missing | Resolved-File updated - Due Diligence Vendor-09/01/2022 Ready for Review-Document Uploaded. Please see the attached For sale by owner escrow instruction. Please clear the exception. - Seller-09/01/2022 Open-Provide a copy of Purchase Contract. - Due Diligence Vendor-08/30/2022 |
Ready for Review-Document Uploaded. Please see the attached For sale by owner escrow instruction. Please clear the exception. - Seller-09/01/2022 |
Resolved-File updated - Due Diligence Vendor-09/01/2022 |
XXXX | CA | Primary Residence | Purchase | NA | 627399 | N/A | N/A | |||
| XXXX | XXXX | 10023 | Closed | 2022-08-31 14:31 | 2022-09-01 22:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | XXXX | XXXX |
Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-09/01/2022 |
XXXX | CA | Primary Residence | Purchase | NA | 629351 | N/A | N/A | |||
| XXXX | XXXX | 10023 | Closed | 2022-08-31 14:31 | 2022-09-01 22:00 | Resolved | 1 - Information | C | A | Credit | Eligibility | Potential Fraud Reflected on Fraud Report | XXXX | XXXX |
Resolved-Potential Fraud Reflected on Fraud Report is Resolved or None Exists - Due Diligence Vendor-09/01/2022 |
XXXX | CA | Primary Residence | Purchase | NA | 629352 | N/A | N/A | |||
| XXXX | XXXX | 10127 | Closed | 2022-09-15 10:50 | 2023-01-11 20:55 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | Resolved-Client acknowledged tape data provided different to Diligence verified document calculations. Data Compare report details these differences. No guideline breach - Due Diligence Vendor-01/11/2023 Resolved-Lender acknowledged - Due Diligence Vendor-10/04/2022 Ready for Review-You are correct and we acknowledge the condition so please clear the condition - Seller-10/03/2022 Open-There is difference of $13.40 in monthly Hazard Insurance resulting in DTI difference, finding already added for Difference in Hazard Insurance. - Due Diligence Vendor-09/15/2022 |
Ready for Review-You are correct and we acknowledge the condition so please clear the condition - Seller-10/03/2022 |
Resolved-Client acknowledged tape data provided different to Diligence verified document calculations. Data Compare report details these differences. No guideline breach - Due Diligence Vendor-01/11/2023 Resolved-Lender acknowledged - Due Diligence Vendor-10/04/2022 |
UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 652338 | N/A | N/A | ||||
| XXXX | XXXX | 10127 | Closed | 2022-09-13 10:11 | 2022-09-19 19:28 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Borrower 1 Business Tax Returns Less Than 24 Months Provided | Resolved-Bank statements can be used in lieu of tax returns - Due Diligence Vendor-09/19/2022 Ready for Review-Business tax return were not used to qualify - Seller-09/16/2022 Open-Borrower 1 Business Tax Returns Less Than 24 Months Provided Per guidelines we require 2 years of tax returns - Due Diligence Vendor-09/13/2022 |
Ready for Review-Business tax return were not used to qualify - Seller-09/16/2022 |
Resolved-Bank statements can be used in lieu of tax returns - Due Diligence Vendor-09/19/2022 |
UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 648503 | N/A | N/A | ||||
| XXXX | XXXX | 10127 | Closed | 2022-09-13 12:00 | 2022-09-19 19:26 | Resolved | 1 - Information | C | A | Credit | Doc Issue | Missing proof of hazard insurance | XXXX | Ready for Review-Document Uploaded. Please see attached hazard ins - Seller-09/16/2022 |
Resolved-File updated - Due Diligence Vendor-09/19/2022 |
EOI-INV AMOUNT DUE 260.83_2022_09_16_@11_12_41.pdf | UT | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 648591 | N/A | N/A | |||
| XXXX | XXXX | 10128 | Closed | 2022-09-15 13:13 | 2022-09-30 15:07 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Please see the attached credit report dated 8/11 please clear the exception - Seller-09/29/2022 Ready for Review-Document Uploaded. Please see the attached Please clear the exception - Seller-09/26/2022 Ready for Review-Document Uploaded. Please see the attached qualifying DTI of 44.56%. Please clear the exception. - Seller-09/21/2022 Ready for Review-HI, please advise what dti you came up with - Seller-09/16/2022 |
Resolved-all docs received and info entered - resolved - Due Diligence Vendor-09/30/2022 |
XXXX | FL | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 652483 | N/A | N/A | |||
| XXXX | XXXX | 10689 | Closed | 2022-09-21 10:40 | 2022-10-03 14:52 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Please see the attached tax cert. Please clear the condition. - Seller-09/29/2022 Ready for Review-Document Uploaded. Please see the attached tax cert . Please clear the exception. - Seller-09/22/2022 |
Resolved-Tax amount was updated to match 1003 - Due Diligence Vendor-10/03/2022 Resolved-File updated - Due Diligence Vendor-10/03/2022 Rescinded-tax amount updated in file - Due Diligence Vendor-09/27/2022 |
Tax Cert_2022_09_22_@01_03_44.pdf Tax Cert_2022_09_29_@09_55_22.pdf |
FL | Primary Residence | Purchase | NA | 659703 | N/A | N/A | |||
| XXXX | XXXX | 10689 | Closed | 2022-09-21 15:33 | 2022-10-03 14:51 | Resolved | 1 - Information | C | A | Credit | Eligibility | Missing Property Tax Cert | XXXX | XXXX |
Resolved-Tax amount updated to match final 1003 - Due Diligence Vendor-10/03/2022 Rescinded-File updated - Due Diligence Vendor-09/27/2022 |
XXXX | FL | Primary Residence | Purchase | NA | 660100 | N/A | N/A | |||
| XXXX | XXXX | 10689 | Closed | 2022-09-20 08:20 | 2022-09-30 15:12 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: Total of Payments (TOP) discrepancy | Resolved-page 5 with TOP info uploaded - entered - resolved - Due Diligence Vendor-09/30/2022 Ready for Review-Document Uploaded. Please see the attached page 5. Please clear the exception. - Seller-09/29/2022 Counter-Document Uploaded. The provided document is missing the TIL information that we require. We need page 5 of 5 not just 5 pages. Please see uploaded screenshot showing missing information that is required - Due Diligence Vendor-09/27/2022 Ready for Review-Document Uploaded. Please clear the exception all 5 pages of the cd - Seller-09/26/2022 Counter-Page 5 of 5 is missing please provide updated document - Due Diligence Vendor-09/26/2022 Ready for Review-Document Uploaded. Please see the attached closing disclosure all pages. Please clear the exception. - Seller-09/22/2022 Open-Total Payments page is missing from final cd in the file. - Due Diligence Vendor-09/20/2022 |
Ready for Review-Document Uploaded. Please see the attached page 5. Please clear the exception. - Seller-09/29/2022 Ready for Review-Document Uploaded. Please clear the exception all 5 pages of the cd - Seller-09/26/2022 Ready for Review-Document Uploaded. Please see the attached closing disclosure all pages. Please clear the exception. - Seller-09/22/2022 |
Resolved-page 5 with TOP info uploaded - entered - resolved - Due Diligence Vendor-09/30/2022 |
Final HomeX Closing Disclosure_2022_09_22_@01_18_47.pdf 20220926165741342.pdf Missing Section from Final CD.png 20220929135434691.pdf |
FL | Primary Residence | Purchase | NA | 657836 | N/A | N/A | |||
| XXXX | XXXX | 10129 | Closed | 2022-09-20 13:59 | 2022-10-11 12:59 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review- acknowledged Please clear - Seller-10/10/2022 Ready for Review-Document Uploaded. Please see the attached final loan approval . Please clear the exception. - Seller-09/23/2022 |
Resolved-Document acceptable - Due Diligence Vendor-09/26/2022 |
Final Loan Approval_2022_09_23_@02_29_36.pdf | OK | Primary Residence | Purchase | NA | 658220 | N/A | N/A | |||
| XXXX | XXXX | 10129 | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the reimbursement amount validation test.The loan failed one or more tolerance tests and did not provide a reimbursement amount. This information is necessary in order to correctly perform reimbursement calculations. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
OK | Primary Residence | Purchase | NA | 658183 | N/A | N/A | |||||
| XXXX | XXXX | 10129 | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | OK HOEPA Higher-Priced Mortgage Loan Test | XXXX | XXXX |
OK | Primary Residence | Purchase | NA | 658184 | N/A | N/A | |||||
| XXXX | XXXX | 10129 | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information | C | A | Compliance | Disclosure | Consummation or Reimbursement Date Validation Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the closing or reimbursement date validation test.The loan failed one or more tolerance tests and did not provide either a reimbursement date or a consummation date (or closing / settlement date, if consummation date is not available). This information is necessary in order to correctly perform reimbursement calculations. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
OK | Primary Residence | Purchase | NA | 658185 | N/A | N/A | |||||
| XXXX | XXXX | 10129 | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information | C | A | Compliance | TRID | Charges That Cannot Increase Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.40.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $0.40.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
OK | Primary Residence | Purchase | NA | 658186 | N/A | N/A | |||||
| XXXX | XXXX | 10129 | Closed | 2022-09-20 13:49 | 2022-09-27 15:35 | Resolved | 1 - Information | C | A | Compliance | Points & Fees | Higher-Priced Mortgage Loan Test | Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
Resolved-Resolved - Due Diligence Vendor-09/27/2022 Rescinded-This loan failed the higher-priced mortgage loan test. ( 12 CFR § 1026.35(a)(1) )Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. Pending missing documents to run compliance ease, when all documents are received please run compliance - Due Diligence Vendor-09/20/2022 |
OK | Primary Residence | Purchase | NA | 658179 | N/A | N/A | |||||
| XXXX | XXXX | 10129 | Closed | 2022-09-19 15:26 | 2022-09-26 19:22 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Deed of Trust is Incomplete | Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/26/2022 Open- - Due Diligence Vendor-09/26/2022 Ready for Review-Document Uploaded. Please see the attached complete DOT with notary date filled out. Please clear the condition. - Seller-09/23/2022 Open-The Deed of Trust is Incomplete Notary date not filled in on page 743 please provide complete final mortgage - Due Diligence Vendor-09/19/2022 |
Ready for Review-Document Uploaded. Please see the attached complete DOT with notary date filled out. Please clear the condition. - Seller-09/23/2022 |
Resolved-The Deed of Trust is Present and Complete - Due Diligence Vendor-09/26/2022 |
Mortgage - Deed of Trust_2022_09_23_@02_23_21.pdf | OK | Primary Residence | Purchase | NA | 656504 | N/A | N/A | |||
| XXXX | XXXX | 10129 | Closed | 2022-09-19 15:15 | 2022-09-26 17:53 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/26/2022 Ready for Review-Document Uploaded. Please see the attached Patriots Act . Please clear the condition. - Seller-09/23/2022 Open-Borrower 1 Citizenship Documentation Is Missing Borrower ID not in file and US patriot forms in the file are not completed - please provide - Due Diligence Vendor-09/19/2022 |
Ready for Review-Document Uploaded. Please see the attached Patriots Act . Please clear the condition. - Seller-09/23/2022 |
Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-09/26/2022 |
20220923161254102.pdf | OK | Primary Residence | Purchase | NA | 656451 | N/A | N/A | |||
| XXXX | XXXX | 10130 | Closed | 2022-09-23 15:52 | 2023-01-13 17:29 | Waived | 2 - Non-Material | C | B | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-Document Uploaded. Please see the attached loan exception for the DTI please clear the exception - Seller-10/05/2022 Ready for Review-Document Uploaded. Please see final hud 1 for the accounts in question that were paid offu - Seller-10/03/2022 Ready for Review-1. Acknowledged - Seller-10/03/2022 |
Waived-50% MAX DTI. Loan qualified with 50.55% DTI. - Due Diligence Vendor-10/05/2022 |
Final Settlement Statement_2022_10_03_@04_47_11.pdf Loan Exception form_2022_10_05_@07_32_57.pdf |
LTV/CLTV 65.33% Credit history dating back to 2008 19 mos clean mortgage history |
AZ | Primary Residence | Refinance | Cash Out - Other | 663234 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 10130 | Closed | 2022-09-23 14:58 | 2023-01-11 15:20 | Waived | 2 - Non-Material | C | B | Credit | Income/Employment | Borrower 1 Personal Bank Statements Less Than 12 Months Provided | XXXX | Ready for Review-Document Uploaded. We can't provide them with the statement that reflects $5120, the numbers were transposed on the income worksheet. The actual deposits were $1250. When that figure was corrected in the income workbook, our DTI went over 50%, and that is what the exception is for. Please clear the exception I am uploading the dti loan exception - Seller-10/06/2022 Ready for Review-Document Uploaded. Please see the attached loan exception for the DTI. Please clear the exception - Seller-10/05/2022 |
Waived-Document Uploaded. We can't provide them with the statement that reflects $5120, the numbers were transposed on the income worksheet. The actual deposits were $1250. When that figure was corrected in the income workbook, our DTI went over 50%, and that is what the exception is for. Please clear the exception I am uploading the dti loan exception - Due Diligence Vendor-01/11/2023 Waived-Exception for: 50% MAX DTI. Loan qualified with 50.55% DTI. - Due Diligence Vendor-01/11/2023 Resolved-Lender acknowledged error occurred and this was then addressed in the DTI findings. - Due Diligence Vendor-10/11/2022 |
Loan Exception form_2022_10_05_@07_32_57.pdf Loan Exception form_2022_10_06_@04_38_56.pdf |
LTV: 65.33/65.33 Yrs of monthly payments: Credit history dating back to 2008 # of months 0x30 payments: 19 months of clean mortgage history Decision Reason: Borrower is 1099'd, expense factor used used to qualify is higher than true expenses. Low LTV |
AZ | Primary Residence | Refinance | Cash Out - Other | 663101 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 10130 | Closed | 2022-09-23 14:53 | 2022-12-13 17:36 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | XXXX | XXXX |
Resolved-Borrower 1 WVOE Provided - Due Diligence Vendor-10/04/2022 |
XXXX | AZ | Primary Residence | Refinance | Cash Out - Other | 663082 | N/A | N/A | |||
| XXXX | XXXX | 10130 | Closed | 2022-09-23 14:31 | 2022-10-13 16:07 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/04/2022 Ready for Review-Document Uploaded. Please see the attached initial 1003 Please clear the condition - Seller-10/04/2022 Counter-Please provide the Initial 1003 for this loan file - Due Diligence Vendor-10/04/2022 Ready for Review-Document Uploaded. Please see the attached final 1003. Please clear the exception. - Seller-10/03/2022 Open-The Initial 1003 is Missing, Incomplete Initial 1003 is available on pg691 but there are only 2 pages available, Also not able to verify Loan Officer Signature in available 1003. Additional 1003 is available on pg179 signed on 08/16/2022 but initial LE is issue on 08/10/2022(not within 3 days). Please Provide Completed initial 1003. ## Also Did not Run compliance as initial 1003 is missing## - Due Diligence Vendor-09/23/2022 |
Ready for Review-Document Uploaded. Please see the attached initial 1003 Please clear the condition - Seller-10/04/2022 Ready for Review-Document Uploaded. Please see the attached final 1003. Please clear the exception. - Seller-10/03/2022 |
Resolved-The Initial 1003 is Present - Due Diligence Vendor-10/04/2022 |
Final Signed 1003_2_2022_10_03_@10_12_53.pdf Final Signed 1003_2_2022_10_04_@11_02_25.pdf signed 1003_2022_10_04_@11_00_36.pdf |
AZ | Primary Residence | Refinance | Cash Out - Other | 663039 | N/A | N/A | |||
| XXXX | XXXX | 10132 | Closed | 2022-09-30 09:53 | 2022-10-12 18:19 | Waived | 2 - Non-Material | B | B | Credit | Credit | Reserve requirement was not met | XXXX | Waived-Allowing 4-months PITI(15,313) reserves instead of 6. Borrowers Have the money, it's just that not every last dime of the reserves has been in accounts for 60 days. Relying primarily on business account for DP, cc & reserves; the $18,125.87 figure noted below can be seasoned back, consistently, 60+ days. - Due Diligence Vendor-10/12/2022 Rescinded-Loan exception provided for reserves not met. however this file having enough reserves as per guideline, hence this exception become invalid. page #254 - Due Diligence Vendor-09/30/2022 |
XXXX | IL | Primary Residence | Purchase | NA | 672010 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10133 | Closed | 2022-10-03 20:34 | 2022-10-07 13:57 | Resolved | 1 - Information | C | A | Credit | Credit | FICO score does not meet guidelines | Resolved-File updated - Due Diligence Vendor-10/07/2022 Ready for Review-Document Uploaded. Please see the attached updated approval showing the Qualifying FICO of 680. Please clear the condition - Seller-10/06/2022 Open-The Qualifying FICO per the Approval Certificate on page 1 of the file is 648. Per the Credit Report the Qualifying FICO is 680. Please advise on this discrepancy and provide an updated Approval or an Exception letter. Thank you. - Due Diligence Vendor-10/03/2022 |
Ready for Review-Document Uploaded. Please see the attached updated approval showing the Qualifying FICO of 680. Please clear the condition - Seller-10/06/2022 |
Resolved-File updated - Due Diligence Vendor-10/07/2022 |
Final Approval_2022_10_06_@01_22_05.pdf | TX | Primary Residence | Purchase | NA | 675571 | N/A | N/A | |||
| XXXX | XXXX | 10134 | Closed | 2022-10-04 11:36 | 2022-10-05 17:08 | Waived | 2 - Non-Material | B | B | Credit | Eligibility | Payment shock exceeds guideline | Waived-Payment shock currently at 505% >300% max - Due Diligence Vendor-10/04/2022 | Waived-Payment shock currently at 505% >300% max - Due Diligence Vendor-10/04/2022 |
# of Months Reserve-110mo. PITI DTI-21.44%/26.24% LTV/CLTV%-60% Years o the job-8 years Exception document on page 171 |
CA | Primary Residence | Refinance | Cash Out - Other | 676077 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10136 | Closed | 2022-10-05 10:26 | 2022-12-16 15:37 | Resolved | 1 - Information | C | A | Credit | Income/Employment | Income/Employment General | XXXX | XXXX |
Resolved-info received - resolved - Due Diligence Vendor-10/12/2022 |
20221010142510460.pdf | NV | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 678037 | N/A | N/A | |||
| XXXX | XXXX | 10137 | Closed | 2022-10-05 12:09 | 2022-10-13 20:26 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | XXXX | Ready for Review-Document Uploaded. Please see the attached gift letters you already have the bank statement to support the letters - Seller-10/13/2022 Ready for Review-Document Uploaded. Please see the attached evidence of receipt for the $45 000 gift explained in the LOX . Please clear the condition. - Seller-10/12/2022 |
Resolved-Provided statements match with gift forms - Due Diligence Vendor-10/13/2022 |
20221012145226462.pdf 20221013140826554.pdf |
TX | Primary Residence | Purchase | NA | 678091 | N/A | N/A | |||
| XXXX | XXXX | 10137 | Closed | 2022-10-05 09:22 | 2022-10-11 15:23 | Waived | 2 - Non-Material | B | B | Credit | Credit | Total Reserves Requirement not met | Waived-Total Reserves Requirement not met Exception available in pg#164 shows :6 months PITIA in reserves required for CLTV over 75%. Borrower has 5 months in reserves and is financing points to 76.41% - Due Diligence Vendor-10/05/2022 |
Waived-Total Reserves Requirement not met Exception available in pg#164 shows :6 months PITIA in reserves required for CLTV over 75%. Borrower has 5 months in reserves and is financing points to 76.41% - Due Diligence Vendor-10/05/2022 |
Comp Factor shows -Number of Months Reserves 5 months and Fico scores of 734 , # of Months 0X30 Payments 0x30 in last 12 months of rental history. | TX | Primary Residence | Purchase | NA | 678014 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10691 | Closed | 2022-10-11 05:56 | 2022-10-26 14:25 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Missing an established escrow impound account for taxes and insurance. | Resolved-Documents provided. - Due Diligence Vendor-10/26/2022 Rescinded-invalid finding - Due Diligence Vendor-10/24/2022 Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-10/24/2022 Counter-Document Uploaded. page 831 there is an exception request for HPML but no compensating factors listed. Please provide approved Exception with Compensating factors - Due Diligence Vendor-10/14/2022 Ready for Review-Document Uploaded. Please see the attached exception waiver for the HPML Waive Impounds. Please clear the condition - Seller-10/13/2022 Open-Please provide an exception waiver for the HPML Waive Impounds with compensating factors - Due Diligence Vendor-10/11/2022 |
Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-10/24/2022 Ready for Review-Document Uploaded. Please see the attached exception waiver for the HPML Waive Impounds. Please clear the condition - Seller-10/13/2022 |
Resolved-Documents provided. - Due Diligence Vendor-10/26/2022 Rescinded-invalid finding - Due Diligence Vendor-10/24/2022 |
XXXX | GA | Primary Residence | Purchase | NA | 686929 | N/A | N/A | |||
| XXXX | XXXX | 10692 | Closed | 2022-10-14 17:51 | 2022-10-24 14:04 | Resolved | 1 - Information | C | A | Credit | Missing Doc | Borrower 1 3rd Party VOE Prior to Close Missing | Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/24/2022 Rescinded-Invalid Finding - Due Diligence Vendor-10/19/2022 Ready for Review-Document Uploaded. bwr is self employed alt doc 12 month business bank statements no VOE is needed. - Seller-10/18/2022 Counter-Please provide per GLs a verbal verification of employment within 3 business days of closing. docs provided are more than 3 days - Due Diligence Vendor-10/18/2022 Ready for Review- - Due Diligence Vendor-10/18/2022 Ready for Review-Document Uploaded. Please see the attached business license - Seller-10/17/2022 Ready for Review-Document Uploaded. Please see the attached cpa letter to verify bwrs business license - Seller-10/17/2022 Open-Borrower 1 3rd Party VOE Prior to Close Missing - Due Diligence Vendor-10/14/2022 |
Ready for Review-Document Uploaded. bwr is self employed alt doc 12 month business bank statements no VOE is needed. - Seller-10/18/2022 Ready for Review-Document Uploaded. Please see the attached business license - Seller-10/17/2022 Ready for Review-Document Uploaded. Please see the attached cpa letter to verify bwrs business license - Seller-10/17/2022 |
Resolved-Borrower 1 3rd Party VOE Prior to Close Was Provided - Due Diligence Vendor-10/24/2022 Rescinded-Invalid Finding - Due Diligence Vendor-10/19/2022 |
XXXX | UT | Primary Residence | Refinance | Cash Out - Other | 693831 | N/A | N/A | |||
| XXXX | XXXX | 10692 | Closed | 2022-10-14 17:51 | 2022-10-24 14:04 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 1 WVOE Missing | Resolved-Borrower 1 WVOE Provided received CPS letter to cover the CPA section and the WVOE section - resolved - Due Diligence Vendor-10/18/2022 Ready for Review-Document Uploaded. Please see the attached CPA letter to verify bwr is self employed - Seller-10/17/2022 Ready for Review-Please see the attached business license . Please clear the exception. - Seller-10/17/2022 Open-Borrower 1 WVOE Missing - Due Diligence Vendor-10/14/2022 |
Ready for Review-Document Uploaded. Please see the attached CPA letter to verify bwr is self employed - Seller-10/17/2022 Ready for Review-Please see the attached business license . Please clear the exception. - Seller-10/17/2022 |
Resolved-Borrower 1 WVOE Provided received CPS letter to cover the CPA section and the WVOE section - resolved - Due Diligence Vendor-10/18/2022 |
CPA letter time in business.pdf_2022_10_17_@12_05_57.pdf | UT | Primary Residence | Refinance | Cash Out - Other | 693832 | N/A | N/A | |||
| XXXX | XXXX | 10694 | Closed | 2022-10-14 08:29 | 2022-11-14 15:13 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of 6.03 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/14/2022 Resolved-Provided assets sufficient for reserves - Due Diligence Vendor-10/20/2022 Ready for Review-Document Uploaded. Please see the attached assets please clear the condition - Seller-10/19/2022 Counter-Please provide evidence of sufficient assets to cover reserves - Due Diligence Vendor-10/19/2022 Ready for Review-Document Uploaded. Please see the attached final 1003 . Please clear the condition - Seller-10/19/2022 Open-Audited Reserves of month(s) are less than Guideline Required Reserves of 6 month(s) Assets are not provided in Final 1003 to verify total qualifying assets - Due Diligence Vendor-10/14/2022 |
Ready for Review-Document Uploaded. Please see the attached assets please clear the condition - Seller-10/19/2022 Ready for Review-Document Uploaded. Please see the attached final 1003 . Please clear the condition - Seller-10/19/2022 |
Resolved-Audited Reserves of 6.03 month(s) are greater than or equal to Guideline Required Reserves of 6 month(s) - Due Diligence Vendor-11/14/2022 Resolved-Provided assets sufficient for reserves - Due Diligence Vendor-10/20/2022 |
Final Signed 1003- BY BORR_2022_10_19_@09_44_54.pdf 20221019205246143.pdf |
FL | Primary Residence | Purchase | NA | 692815 | N/A | N/A | |||
| XXXX | XXXX | 10694 | Closed | 2022-10-14 11:13 | 2022-11-14 14:52 | Resolved | 1 - Information | C | A | Compliance | TRID | TRID Initial Loan Estimate Date and Initial Closing Disclosure Date Validation Test | Resolved-Fired in error - Due Diligence Vendor-11/14/2022 Rescinded-Fired in error, updated entries rescinded - Due Diligence Vendor-11/10/2022 Ready for Review-Document Uploaded. DISAGREE: The final LE (attached) is dated 9/15/22, while the initial CD (attached) is dated 9/28/22. - Seller-11/08/2022 Counter-Document Uploaded. We have a CD dated 09/08 on page 1201 and an LE dated 09/15 please provide justification for this. The CD is dated before the LE. See attached files - Due Diligence Vendor-10/24/2022 Ready for Review-Document Uploaded. DISAGREE: Please find attached the only two loan estimates delivered on this loan, the first on 9/1/22 and the second (per a COC) on 9/15/22. Both dates significantly precede any closing disclosure delivery dates. - Seller-10/21/2022 Open-This loan failed the TRID initial loan estimate date and initial closing disclosure date validation test.This loan contains an initial closing disclosure receipt date (or initial closing disclosure delivery date if receipt date was not provided) that is on or before any loan estimate delivery date. Please review the loan data to ensure the dates are in the correct fields. Finding is due to Initial CD date is after is before Revised LE - Due Diligence Vendor-10/14/2022 |
Ready for Review-Document Uploaded. DISAGREE: The final LE (attached) is dated 9/15/22, while the initial CD (attached) is dated 9/28/22. - Seller-11/08/2022 Ready for Review-Document Uploaded. DISAGREE: Please find attached the only two loan estimates delivered on this loan, the first on 9/1/22 and the second (per a COC) on 9/15/22. Both dates significantly precede any closing disclosure delivery dates. - Seller-10/21/2022 |
Resolved-Fired in error - Due Diligence Vendor-11/14/2022 Rescinded-Fired in error, updated entries rescinded - Due Diligence Vendor-11/10/2022 |
XXXX | FL | Primary Residence | Purchase | NA | 692870 | N/A | N/A | |||
| XXXX | XXXX | 10694 | Closed | 2022-10-18 09:30 | 2022-10-20 16:54 | Resolved | 1 - Information | C | A | Credit | Assets Insufficient | Assets are not sufficient to close | XXXX | XXXX |
Resolved-File updated - Due Diligence Vendor-10/20/2022 |
XXXX | FL | Primary Residence | Purchase | NA | 697091 | N/A | N/A | |||
| XXXX | XXXX | 10695 | Closed | 2022-10-14 11:24 | 2022-10-19 19:44 | Resolved | 1 - Information | C | A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | XXXX | Ready for Review-Document Uploaded. Please see the attached supplement. Please clear the condition - Seller-10/19/2022 |
XXXX |
Title Supplement- PROPOSED INSURED_2022_10_19_@09_23_22.pdf | CA | Primary Residence | Refinance | No Cash Out - Borrower Initiated | 692874 | N/A | N/A | |||
| XXXX | XXXX | 10698 | Closed | 2022-10-18 09:44 | 2022-10-20 15:38 | Resolved | 1 - Information | D | A | Compliance | Missing Doc | The Final 1003 is Missing | Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2022 Ready for Review-Document Uploaded. Please see the attached executed 1003 showing broker signature. Please clear - Seller-10/19/2022 Counter-The provided 1003 does not have an LO signature please provide updated document - Due Diligence Vendor-10/19/2022 Ready for Review-Document Uploaded. Please see the attached signed 1003. Please clear the condition - Seller-10/19/2022 Open-The Final 1003 is Missing Final 1003 is missing in the file. Updated the information from page no: 667, 796 because income is matching with the conditional approval on page no: 01, income calculation sheet on page no: 351 and ATR calculation sheet on page no: 320 and also funds to close is matching with the Final CD. - Due Diligence Vendor-10/18/2022 |
Ready for Review-Document Uploaded. Please see the attached executed 1003 showing broker signature. Please clear - Seller-10/19/2022 Ready for Review-Document Uploaded. Please see the attached signed 1003. Please clear the condition - Seller-10/19/2022 |
Resolved-The Final 1003 is Present - Due Diligence Vendor-10/20/2022 |
XXXX | IL | Primary Residence | Purchase | NA | 697106 | N/A | N/A | |||
| XXXX | XXXX | 10698 | Closed | 2022-10-18 08:34 | 2022-10-19 22:07 | Resolved | 1 - Information | C | A | Compliance | TRID | Final CD: File # is missing | Resolved-Cmpliance ran file updated - Due Diligence Vendor-10/19/2022 Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the condition - Seller-10/19/2022 Open- - Due Diligence Vendor-10/18/2022 |
Ready for Review-Document Uploaded. Please see the attached final cd . Please clear the condition - Seller-10/19/2022 |
Resolved-Cmpliance ran file updated - Due Diligence Vendor-10/19/2022 |
XXXX | IL | Primary Residence | Purchase | NA | 697050 | N/A | N/A | |||
| XXXX | XXXX | 10698 | Closed | 2022-10-18 09:00 | 2022-10-19 21:55 | Resolved | 1 - Information | B | A | Credit | Doc Issue | USA Patriot Act Disclosure-Borrower Identification is Incomplete | Resolved-Executed document provided finding resolved - Due Diligence Vendor-10/19/2022 Ready for Review-Document Uploaded. Please see the attached patriot act. Please clear the condition - Seller-10/19/2022 Open- - Due Diligence Vendor-10/18/2022 |
Ready for Review-Document Uploaded. Please see the attached patriot act. Please clear the condition - Seller-10/19/2022 |
Resolved-Executed document provided finding resolved - Due Diligence Vendor-10/19/2022 |
XXXX | IL | Primary Residence | Purchase | NA | 697075 | N/A | N/A | |||
| XXXX | XXXX | 10698 | Closed | 2022-10-18 08:30 | 2022-10-19 21:41 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/19/2022 Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-10/19/2022 Open-The Deed of Trust is Not Executed Deed of Trust document is not signed. Please provide DOT document with signature. - Due Diligence Vendor-10/18/2022 |
Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-10/19/2022 |
Resolved-The Deed of Trust is Executed - Due Diligence Vendor-10/19/2022 |
XXXX | IL | Primary Residence | Purchase | NA | 697046 | N/A | N/A | |||
| XXXX | XXXX | 10698 | Closed | 2022-10-18 08:28 | 2022-10-19 21:40 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-The Note is Executed - Due Diligence Vendor-10/19/2022 Ready for Review-Document Uploaded. Please see the attached executed note please clear the condition - Seller-10/19/2022 Open-The Note is Not Executed Note document is not signed. Please provide Note document with signature. - Due Diligence Vendor-10/18/2022 |
Ready for Review-Document Uploaded. Please see the attached executed note please clear the condition - Seller-10/19/2022 |
Resolved-The Note is Executed - Due Diligence Vendor-10/19/2022 |
XXXX | IL | Primary Residence | Purchase | NA | 697044 | N/A | N/A | |||
| XXXX | XXXX | 10699 | Closed | 2022-10-20 08:41 | 2022-11-08 19:25 | Resolved | 1 - Information | C | A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | XXXX | Ready for Review-Document Uploaded. Please see the attached additional assets. Please clear the condition - Seller-11/03/2022 Ready for Review-Document Uploaded. Please see the attached - Seller-10/25/2022 Ready for Review-Document Uploaded. Please see the attached and please clear the exception - Seller-10/24/2022 Ready for Review-Document Uploaded. Please see the attached and please clear the condition - Seller-10/24/2022 |
Resolved-Audited Reserves of 3.85 month(s) are greater than or equal to Guideline Required Reserves of 0 month(s) - Due Diligence Vendor-11/07/2022 |
XXXX | IL | Primary Residence | Purchase | NA | 699967 | N/A | N/A | |||
| XXXX | XXXX | 10699 | Closed | 2022-10-20 09:57 | 2022-10-20 12:48 | Waived | 2 - Non-Material | B | B | Compliance | State Reg | Interest Rate Test | Waived-Loan Exception page no: 52, Reason: Must lower rate to comply w/ CCHC APR - Due Diligence Vendor-10/20/2022 |
XXXX |
DTI 40.85% FICO 657 |
IL | Primary Residence | Purchase | NA | 699994 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10704 | Closed | 2022-10-31 12:30 | 2023-01-13 20:53 | Waived | 2 - Non-Material | B | B | Credit | Credit | Assets not properly documented/insufficient | Waived- - Due Diligence Vendor-11/02/2022 Resolved-Received signed Exception - Due Diligence Vendor-11/02/2022 Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-11/01/2022 Waived-The request is for less than $50k in Equity Ok with exception for less than $50k equity position. Good income/DTI, Good FICO 728, Good consumer credit - Due Diligence Vendor-10/31/2022 |
Ready for Review-Document Uploaded. Please see the attached loan exception. Please clear the condition - Seller-11/01/2022 |
Resolved-Received signed Exception - Due Diligence Vendor-11/02/2022 Waived-The request is for less than $50k in Equity Ok with exception for less than $50k equity position. Good income/DTI, Good FICO 728, Good consumer credit - Due Diligence Vendor-10/31/2022 |
Loan Exception Form_2022_11_01_@09_51_11.pdf | XXXX | AZ | Second Home | Purchase | NA | 715679 | Originator Post-Close | Yes | ||
| XXXX | XXXX | 10704 | Closed | 2022-10-28 06:20 | 2022-11-02 13:50 | Resolved | 1 - Information | C | A | Credit | Credit | Letter of Explanation (Assets) missing or unexecuted | Resolved-Bank statement in file. Borrower owns 100 percent of the business. - Due Diligence Vendor-11/02/2022 Ready for Review-Document Uploaded. Please see the attached business license statement . Please clear the condition - Seller-11/01/2022 Open-LOX missing as business account balance using for reserves. - Due Diligence Vendor-10/28/2022 |
Ready for Review-Document Uploaded. Please see the attached business license statement . Please clear the condition - Seller-11/01/2022 |
Resolved-Bank statement in file. Borrower owns 100 percent of the business. - Due Diligence Vendor-11/02/2022 |
5699 - 2022-08-31_2022_11_01_@09_39_50.pdf | AZ | Second Home | Purchase | NA | 712841 | N/A | N/A | |||
| XXXX | XXXX | 10704 | Closed | 2022-10-31 12:16 | 2022-11-02 13:36 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | Ready for Review-we acknowledged . Please clear the condition - Seller-11/01/2022 |
Resolved-Acknowledged by client. Resolved finding. - Due Diligence Vendor-11/02/2022 |
AZ | Second Home | Purchase | NA | 715661 | N/A | N/A | ||||
| XXXX | XXXX | 10705 | Closed | 2022-10-28 06:52 | 2023-01-06 15:53 | Waived | 2 - Non-Material | B | B | Credit | Assets | Asset General | Waived-Does not meet the min equity requirement of 50K. (Refer page 330) Compensating Factors: No. of months reserve = 6 DTI < 30 LTV/CLTV 80 FICO 708 # Tradelines 11 Year of monthly payment 1996 Years on the Job 2/36 Years at Present address 2 No. of months 0*30 payments = 0 on investment property benefit to borrower = Purchase of primary - Due Diligence Vendor-10/28/2022 |
Waived-Does not meet the min equity requirement of 50K. (Refer page 330) Compensating Factors: No. of months reserve = 6 DTI < 30 LTV/CLTV 80 FICO 708 # Tradelines 11 Year of monthly payment 1996 Years on the Job 2/36 Years at Present address 2 No. of months 0*30 payments = 0 on investment property benefit to borrower = Purchase of primary - Due Diligence Vendor-10/28/2022 |
XXXX | FL | Primary Residence | Purchase | NA | 712855 | Originator Pre-Close | Yes | ||||
| XXXX | XXXX | 10706 | Closed | 2022-10-31 06:31 | 2022-12-16 20:46 | Resolved | 1 - Information | C | A | Property | Property | Property Condition Rating Does Not Meet Program Requirements | Resolved-Received satisfactory desk review from the client, finding has been resolved and cleared. - Due Diligence Vendor-12/16/2022 Resolved- - Due Diligence Vendor-11/01/2022 Ready for Review-Document Uploaded. Please see the attached desk review. Please clear the condition - Seller-11/01/2022 Open-Primary Value Valuation Property Condition Rating Does Not Meet Program Requirements - Due Diligence Vendor-10/31/2022 |
Ready for Review-Document Uploaded. Please see the attached desk review. Please clear the condition - Seller-11/01/2022 |
Resolved-Received satisfactory desk review from the client, finding has been resolved and cleared. - Due Diligence Vendor-12/16/2022 |
Appraisal - Desk Review_2022_11_01_@08_24_08.pdf | GA | Primary Residence | Purchase | NA | 715453 | N/A | N/A | |||
| XXXX | XXXX | 10707 | Closed | 2022-10-31 06:09 | 2022-11-01 17:53 | Resolved | 1 - Information | C | A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | XXXX | Ready for Review-Document Uploaded. Please see the attached updated Ins Dated of 10-11-2022. Please clear the condition - Seller-11/01/2022 |
XXXX |
XXXX | CA | Primary Residence | Purchase | NA | 715426 | N/A | N/A | |||
| XXXX | XXXX | 10707 | Closed | 2022-10-31 05:43 | 2022-11-01 17:33 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing income documentation | XXXX | Ready for Review-Document Uploaded. Please see the attached proof of rental income. Please clear the condition - Seller-11/01/2022 |
Resolved-Updated employment screen with information. - Due Diligence Vendor-11/01/2022 Resolved-Document acceptable - Due Diligence Vendor-11/01/2022 |
XXXX | CA | Primary Residence | Purchase | NA | 715414 | N/A | N/A | |||
| XXXX | XXXX | 10707 | Closed | 2022-10-31 07:26 | 2022-11-01 16:36 | Resolved | 1 - Information | C | A | Credit | Credit | Missing documentation evidencing borrower's identity | Resolved-File updated - Due Diligence Vendor-11/01/2022 Ready for Review-Document Uploaded. Please see the attached primary bwrs driver license. Please clear the condition - Seller-11/01/2022 Open-Borrower 1 personal ID is missing. Also, USA Patriot Act Customer Identification Document doesn't show the Expiration date. - Due Diligence Vendor-10/31/2022 |
Ready for Review-Document Uploaded. Please see the attached primary bwrs driver license. Please clear the condition - Seller-11/01/2022 |
Resolved-File updated - Due Diligence Vendor-11/01/2022 |
23 his id.pdf | CA | Primary Residence | Purchase | NA | 715502 | N/A | N/A | |||
| XXXX | XXXX | 10708 | Closed | 2022-11-03 03:27 | 2022-11-15 20:34 | Resolved | 1 - Information | C | A | Credit | Eligibility | Borrower 1 Credit Report is Expired | Resolved-Credit report is greater than 120 days which is reason the latest credit report was pulled on 10/25/2022. - Due Diligence Vendor-11/15/2022 Resolved- - Due Diligence Vendor-11/15/2022 Ready for Review-Document Uploaded. The loan was submitted with expired credit reports. Underwriter made that a condition of the loan to pull updated credit reports which was done on 10/25/2022. Please see attached updated credit reports and clear this exception. - Seller-11/15/2022 Counter-Please provide at time of application. The same credit report was uploaded from June. Thanks - Due Diligence Vendor-11/14/2022 Counter- Please provide the Credit report for both bwrs at time of application-09/13/2022 - Due Diligence Vendor-11/14/2022 Ready for Review-Document Uploaded. See attached Credit reports both borrowers at application. Please clear this exception - Seller-11/11/2022 Counter-*initial CBR date is 6/23/22 *GAP report date is 10/25/22 application date is 9/13/22 please provide the Credit report for both bwrs at time of application - Due Diligence Vendor-11/08/2022 Ready for Review-Document Uploaded. Please see attached updated Credit Report pulled on 10/25/2022 - Seller-11/07/2022 Open-Borrower 1 Credit Report is Expired (Greater than 120 days from the Closing Date). - Due Diligence Vendor-11/03/2022 |
Ready for Review-Document Uploaded. The loan was submitted with expired credit reports. Underwriter made that a condition of the loan to pull updated credit reports which was done on 10/25/2022. Please see attached updated credit reports and clear this exception. - Seller-11/15/2022 Ready for Review-Document Uploaded. See attached Credit reports both borrowers at application. Please clear this exception - Seller-11/11/2022 Ready for Review-Document Uploaded. Please see attached updated Credit Report pulled on 10/25/2022 - Seller-11/07/2022 |
Resolved-Credit report is greater than 120 days which is reason the latest credit report was pulled on 10/25/2022. - Due Diligence Vendor-11/15/2022 |
XXXX | NJ | Primary Residence | Purchase | NA | 721393 | N/A | N/A | |||
| XXXX | XXXX | 10708 | Closed | 2022-11-03 03:23 | 2022-11-14 21:50 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | XXXX |
Resolved-Client acknowledges the discrepancy. No change in DTI that would cause a change ok to proceed. - Due Diligence Vendor-11/14/2022 |
NJ | Primary Residence | Purchase | NA | 721392 | N/A | N/A | ||||
| XXXX | XXXX | 10711 | Closed | 2022-11-02 10:54 | 2022-11-08 21:06 | Resolved | 1 - Information | C | A | Credit | Assets | Asset General | Resolved-Document acceptable - Due Diligence Vendor-11/08/2022 Ready for Review-Document Uploaded. Please see attached Gift Letter. - Seller-11/08/2022 Open-Final CD reflecting Gift Amount $107,000 where as gift letter and final 1003 reflecting gift amount $97,000. Provide a Gift letter $10,000 or Provide updated final CD with Gift amount $97,000 - Due Diligence Vendor-11/02/2022 |
Ready for Review-Document Uploaded. Please see attached Gift Letter. - Seller-11/08/2022 |
Resolved-Document acceptable - Due Diligence Vendor-11/08/2022 |
XXXX | CA | Primary Residence | Purchase | NA | 719540 | N/A | N/A | |||
| XXXX | XXXX | 10712 | Closed | 2022-11-04 03:25 | 2022-11-15 21:07 | Resolved | 1 - Information | B | A | Credit | Credit | Missing subject property tax certificate | XXXX | XXXX |
CA | Second Home | Purchase | NA | 723291 | N/A | N/A | |||||
| XXXX | XXXX | 10713 | Closed | 2022-11-04 12:16 | 2022-11-18 17:16 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Evidence of Property Tax Missing | XXXX | XXXX |
Resolved-Evidence of Property Tax is present - Due Diligence Vendor-11/14/2022 |
XXXX | OR | Primary Residence | Purchase | NA | 723565 | N/A | N/A | |||
| XXXX | XXXX | 10713 | Closed | 2022-11-04 12:38 | 2022-11-14 21:48 | Resolved | 1 - Information | C | A | Property | Property | No HOA fees on appraisal and property identified as a PUD | XXXX | Ready for Review-Document Uploaded. There are no HOA dues. Underwriter has removed them. Please see updated Loan Approval and clear this exception. - Seller-11/11/2022 |
Resolved-File updated property not in a PUD - Due Diligence Vendor-11/14/2022 |
XXXX | OR | Primary Residence | Purchase | NA | 723584 | N/A | N/A | |||
| XXXX | XXXX | 10713 | Closed | 2022-11-04 10:28 | 2022-11-14 21:43 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing letter of explanation | XXXX | Ready for Review-Document Uploaded. see attached Access letters and bank statements. Please clear this exception. - Seller-11/14/2022 |
Resolved-Document acceptable - Due Diligence Vendor-11/14/2022 |
XXXX | OR | Primary Residence | Purchase | NA | 723489 | N/A | N/A | |||
| XXXX | XXXX | 10779 | Closed | 2022-11-29 13:26 | 2022-11-30 20:45 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | XXXX |
Resolved-DTI is within 1% allowable tolerance. Finding resolved. - Due Diligence Vendor-11/30/2022 |
CA | Investment | Purchase | NA | 749709 | N/A | N/A | ||||
| XXXX | XXXX | 10779 | Closed | 2022-11-29 13:18 | 2022-11-30 17:38 | Resolved | 1 - Information | C | A | Compliance | Closing | HUD-1 not executed properly | Resolved-Executed HUD document provided. Updated screens. Finding resolved. - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. Borrower signature is not required on HUD. However, please accept the attached certified final HUD and clear finding. - Seller-11/29/2022 Open-Date not reflecting near Signature of Borrower in provided HUD. Please provide updated HUD doc with date near Borrower Signature - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. Borrower signature is not required on HUD. However, please accept the attached certified final HUD and clear finding. - Seller-11/29/2022 |
Resolved-Executed HUD document provided. Updated screens. Finding resolved. - Due Diligence Vendor-11/30/2022 |
XXXX | CA | Investment | Purchase | NA | 749701 | N/A | N/A | |||
| XXXX | XXXX | 10780 | Closed | 2022-11-29 17:34 | 2022-11-30 15:58 | Resolved | 1 - Information | C | A | Credit | Borrower | Borrower information on 1003 is incomplete | Resolved-Loan is DSCR. Section 3 and 5a not required. Finding resolved. - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. Please see the attached updated 1003 showing residence and investment prop. Please clear the condition - Seller-11/29/2022 Open-Section 1a of 1003 states borrowers owns his primary residence but in Section 3 and Section 5a) borrower declares he does not own any real estate . please provide updated documents - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. Please see the attached updated 1003 showing residence and investment prop. Please clear the condition - Seller-11/29/2022 |
Resolved-Loan is DSCR. Section 3 and 5a not required. Finding resolved. - Due Diligence Vendor-11/30/2022 |
Final Signed 1003_2_2022_11_29_@03_38_01.pdf | CO | Investment | Purchase | NA | 750365 | N/A | N/A | |||
| XXXX | XXXX | 10780 | Closed | 2022-11-29 13:13 | 2022-11-30 14:30 | Resolved | 1 - Information | B | A | Compliance | Missing Doc | Missing Initial Escrow Disclosure | Resolved-Executed Initial Escrow Doc provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. Please see the attached initial escrow disc. Please clear the condition - Seller-11/29/2022 Open-Initial Escrow Doc in File But No Sign So please provide Initial Escrow Doc with Sign. Thank you. - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. Please see the attached initial escrow disc. Please clear the condition - Seller-11/29/2022 |
Resolved-Executed Initial Escrow Doc provided. Updated Disclosure screen. Finding resolved. - Due Diligence Vendor-11/30/2022 |
Initial Escrow Acct Disclosure_2022_11_29_@03_43_17.pdf | CO | Investment | Purchase | NA | 749694 | N/A | N/A | |||
| XXXX | XXXX | 10780 | Closed | 2022-11-29 11:31 | 2022-11-30 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation provided. Updated Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. Please see the attached Patriot Act for bwr 1. Please clear the condition - Seller-11/29/2022 Open-Borrower 1 Citizenship Documentation Is Missing Missing USA Patriot Doc in File Please Provide Thank you. - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. Please see the attached Patriot Act for bwr 1. Please clear the condition - Seller-11/29/2022 |
Resolved-Borrower 1 Citizenship Documentation provided. Updated Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/30/2022 |
USA PATRIOT ACT_2022_11_29_@03_47_11 bwr 1.pdf | CO | Investment | Purchase | NA | 749628 | N/A | N/A | |||
| XXXX | XXXX | 10780 | Closed | 2022-11-29 11:31 | 2022-11-30 14:23 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Borrower 2 Citizenship Documentation Not Provided | XXXX | XXXX |
Resolved-Borrower 2 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-11/30/2022 Resolved-Borrower 2 Citizenship Documentation provided. Updated Fraud screen. Finding resolved. - Due Diligence Vendor-11/30/2022 |
XXXX | CO | Investment | Purchase | NA | 749629 | N/A | N/A | |||
| XXXX | XXXX | 10780 | Closed | 2022-11-29 11:31 | 2022-11-30 14:23 | Resolved | 1 - Information | C | A | Compliance | Closing | The Final 1003 is Not Executed | Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/30/2022 Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Open- - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. Please see the attached final executed 1003 Please clear the condition - Seller-11/29/2022 Open-The Final 1003 is Not Executed Final 1003 Doc file But not in Sign So Please Provide Final 1003 with Sign Thank you - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. Please see the attached final executed 1003 Please clear the condition - Seller-11/29/2022 |
Resolved-The Final 1003 is Executed - Due Diligence Vendor-11/30/2022 Resolved-Executed Final 1003 provided. Updated 1003 screen. Finding resolved. - Due Diligence Vendor-11/30/2022 |
Final Signed 1003_2_2022_11_29_@03_45_57.pdf | CO | Investment | Purchase | NA | 749630 | N/A | N/A | |||
| XXXX | XXXX | 10780 | Closed | 2022-11-29 11:45 | 2022-11-30 14:16 | Resolved | 1 - Information | C | A | Compliance | Closing | The Deed of Trust is Not Executed | Resolved-Executed Deed of Trust provided. Updated screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-11/29/2022 Open-The Deed of Trust is Not Executed DOT Doc in File But no Sign So Please Provide DOT with Sign Thank you. - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. Please see the attached executed DOT. Please clear the condition - Seller-11/29/2022 |
Resolved-Executed Deed of Trust provided. Updated screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Resolved-The Deed of Trust is Executed - Due Diligence Vendor-11/30/2022 |
Mortgage - Deed of Trust_2022_11_29_@03_32_49.pdf | CO | Investment | Purchase | NA | 749636 | N/A | N/A | |||
| XXXX | XXXX | 10780 | Closed | 2022-11-29 11:40 | 2022-11-30 14:13 | Resolved | 1 - Information | C | A | Compliance | Closing | The Note is Not Executed | Resolved-Executed Note provided. Updated Note screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Resolved-The Note is Executed - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. Please see the attached executed note. Please clear the condition - Seller-11/29/2022 Open-The Note is Not Executed Note Doc is on Page But which Was not Signed So please Provide Note Doc with Sign. Thank you - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. Please see the attached executed note. Please clear the condition - Seller-11/29/2022 |
Resolved-Executed Note provided. Updated Note screen. Finding resolved. - Due Diligence Vendor-11/30/2022 Resolved-The Note is Executed - Due Diligence Vendor-11/30/2022 |
Note_2022_11_29_@03_44_52.pdf | CO | Investment | Purchase | NA | 749635 | N/A | N/A | |||
| XXXX | XXXX | 10781 | Closed | 2022-11-30 00:08 | 2022-11-30 18:22 | Resolved | 1 - Information | C | A | Credit | Credit | DTI discrepancy or failure. | XXXX | Resolved-DTI within 1% difference. - Due Diligence Vendor-11/30/2022 |
TX | Primary Residence | Purchase | NA | 751038 | N/A | N/A | |||||
| XXXX | XXXX | 10782 | Closed | 2022-11-29 22:16 | 2022-11-30 19:25 | Resolved | 1 - Information | C | A | Credit | Credit | DSCR unknown | Resolved-DSCR calculation provided. Finding resolved. - Due Diligence Vendor-11/30/2022 Ready for Review-Document Uploaded. See attached DSCR Calculation. Please clear this exception. - Seller-11/30/2022 Open-Please provide DSCR calculation worksheet- No evidence of Lender DSCR Calculation in loan file - Due Diligence Vendor-11/29/2022 |
Ready for Review-Document Uploaded. See attached DSCR Calculation. Please clear this exception. - Seller-11/30/2022 |
Resolved-DSCR calculation provided. Finding resolved. - Due Diligence Vendor-11/30/2022 |
XXXX | TX | Investment | Refinance | Cash Out - Other | 750956 | N/A | N/A |