Loan Level Exception - Final Grades

 

 

                                                        FINAL CREDIT LOAN GRADES FINAL COMPLIANCE LOAN GRADES FINAL PROPERTY LOAN GRADES FINAL OVERALL LOAN GRADES
AMC Loan ID Customer Loan ID Edgar Loan ID Borrower Name Deal Number Original Loan Amount State Note Date Occupancy Purpose QM Status Overall Grade Credit Grade Credit Exceptions Credit Exception Information Credit Exception Comments Property Grade Property Exceptions Property Exception Information Property Exception Comments Compliance Grade Compliance Exceptions Compliance Exception Information Compliance Exception Comments Compliance Comp Factors Compensating Factors Subject to High Cost - Unable to Test Disposition 2 DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P DBRS Fitch Kroll Moody's S&P
XXXX XXXX 100000316 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000299 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000317 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000314 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000311 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $241.00 exceeds tolerance of $144.00 plus 10% or $158.40.  Sufficient or excess cure was provided to the borrower at Closing. (0) Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Cure amount of $82.60 was provided to the borrower at Closing. REVIEWER - CURED COMMENT (2024-06-10): Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000309 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 1       1       2 [2] State Compliance - Colorado Home Loan (Ability to Repay not Verified): Colorado Home Loan (HB1322):  Borrower’s ability to repay not verified with reliable documentation.
[2] Federal Compliance - (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.
[1] Federal Compliance - 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 $695.00 exceeds tolerance of $0.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)		 Federal Compliance - (Missing Data) Last Rate Set Date: Rate Lock or Alternate Rate Lock Document is Missing. BUYER - GENERAL COMMENT (2024-06-13): Please see the XXXXX counseling that is all that is needed for ATR in CO. EV2 downgrade if you will not accept that
BUYER - WAIVED COMMENT (2024-06-18): EV2
BUYER - GENERAL COMMENT (2024-06-13): EV2 Please
BUYER - WAIVED COMMENT (2024-06-18): EV2
REVIEWER - CURED COMMENT (2024-06-10): Sufficient Cure Provided At Closing		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000313 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000295 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000289 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - (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.   BUYER - WAIVED COMMENT (2024-06-18): EV2       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000287 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000284 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000282 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000281 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000315 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000307 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $4,387.00 exceeds tolerance of $2,534.00 plus 10% or $2,787.40.  Sufficient or excess cure was provided to the borrower at Closing. (0) Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $4,387.00 exceeds tolerance of $2,534.00 plus 10% or $2,787.40. Sufficient or excess cure was provided to the borrower at Closing. REVIEWER - CURED COMMENT (2024-06-21): Sufficient Cure Provided At Closing   Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000306 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000300 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Administration Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. XXXX		 Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: No documentation in the file to evidence borrower was provided with a copy of valuation three (3) business days prior to consummation.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Administration Fee was not disclosed on the initial Loan Estimate but disclosed as $200.00 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 $200, a copy of refund check, proof of delivery, and a copy of the letter of explanation sent to the borrower disclosing the changes made.		 BUYER - GENERAL COMMENT (2024-06-25): please see attached mavent result and confirmation of delivery. thank you
REVIEWER - GENERAL COMMENT (2024-06-30): This condition is due to transferred appraisal report.  Client can elect to waive.
BUYER - GENERAL COMMENT (2024-07-02): please see attached transfer letter.  is this sufficient to clear this condition or could you please advise what is needed?  thank you so much
REVIEWER - GENERAL COMMENT (2024-07-04): For transferred appraisals, this condition cannot be cleared.  It is an EV2 that client can elect to waive.
BUYER - WAIVED COMMENT (2024-07-08): We accept an EV2
BUYER - GENERAL COMMENT (2024-06-26): please see the attached Final SS and the PCCD to balance with the final SS (no Administrative fee).  thank you
REVIEWER - GENERAL COMMENT (2024-06-27): XXXXXXX  received corrected PCCD and LOE balancing with final SS.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000298 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000297 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000293 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000288 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000285 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000277 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000308 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   BUYER - WAIVED COMMENT (2024-06-27): EV2 1       1             - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000312 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000304 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000270 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000310 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000302 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 2 1       1       2 [2] Federal Compliance - Federal HPML Appraisal - CDFI Not Exempt: TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold.   BUYER - WAIVED COMMENT (2024-07-08): We accept an EV2       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000266 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000274 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Refinance Cash-out - Other Exempt from ATR 2 1       1       2 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Homeownership Counseling Fee.  Fee Amount of $79.50 exceeds tolerance of $75.00.  Insufficient or no cure was provided to the borrower. XXXX Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Home Ownership Counseling. Fee was disclosed on initial Loan estimate as $75 but disclosed but final Closing Disclosure $79.5. File does not contain a valid COC for this fee, nor evidence of cure is provided in file. BUYER - GENERAL COMMENT (2024-07-02): please see attached pccd + letter. pending check $4.50. thank you
REVIEWER - GENERAL COMMENT (2024-07-03): XXXXXXX  received Post CD and LOX. However,we would also require Copy of refund check in order to cure the exception.
BUYER - GENERAL COMMENT (2024-07-03): please see attached. thank you
REVIEWER - CURED COMMENT (2024-07-08): XXXXXXX  received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000286 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000265 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000292 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000275 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000268 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000279 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000278 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000264 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000263 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000296 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000273 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000271 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Exempt from ATR 2 1       1       2 [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $200.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. XXXX		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee Amount of $200.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.  A valid COC was not provided in the file. BUYER - GENERAL COMMENT (2024-07-11): hello - please see attached appraisal, transfer letter and mailing confirmation uploaded. thank you
BUYER - GENERAL COMMENT (2024-07-12): please see attached appraisal, transfer letter and mavent result. thank you
REVIEWER - GENERAL COMMENT (2024-07-17): This condition is unable to be cleared when loan is HPML and there is a transferred appraisal.  Client can elect to waive.
BUYER - GENERAL COMMENT (2024-07-17): EV2 accepted. thank you
REVIEWER - WAIVED COMMENT (2024-07-19): waived per client request
BUYER - GENERAL COMMENT (2024-07-11): please see attached -thank you
REVIEWER - GENERAL COMMENT (2024-07-12): XXXXXXX  received COC dated 05/29 for adding 1004D however, the information provided is not sufficient as to as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in requirement of 1004D and when lender became aware of the change.
BUYER - GENERAL COMMENT (2024-07-12): please see attached COC. thank you
REVIEWER - GENERAL COMMENT (2024-07-16): XXXXXXX  received valid COC dated XX/XX/XXXX. However Appraisal  report with provided disclosure completed on XX/XX/XXXX and Appraisal Transfer letter reflects issue date XX/XX/XXXX, but the Appraisal Re-inspection fee was not added until 05/29. This is outside of the required three-day timeline for notification of borrower. Cure is required.
BUYER - GENERAL COMMENT (2024-07-17): please see attached cure package. thank you
REVIEWER - CURED COMMENT (2024-07-18): XXXXXXX  received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000269 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000259 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000258 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000255 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000283 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000301 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 2 2 [2] Credit Calculation / Analysis - Guideline Requirement: Representative FICO score discrepancy.: Representative FICO score of XXX is less than Guideline representative FICO score of 700.
[2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $XXX,XXX.XX is less than the note amount of $XXX,XXX.XX based on the Commitment in file.		 Minimum FICO required for cash out refinance at XX% LTV is 700. BUYER - GENERAL COMMENT (2024-07-25): see attached
REVIEWER - WAIVED COMMENT (2024-07-25): Waived with compensating factors per lender exception provided in trailing docs.
BUYER - WAIVED COMMENT (2024-07-09): EV2		 1       1         Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.   - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000257 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000253 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - Federal HPML Appraisal - CDFI Not Exempt: TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold.
[2] Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML Appraisal Rule (Dodd-Frank 2014): Creditor did not provide a copy of revised valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024)		 Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): The earliest dated appraisal on XX/XX/XXXX had a value of $XXX,XXXand was sent to the borrower on XX/XX/XXXX .  The most recent dated appraisal on XX/XX/XXXX had an updated value of $XXX,XXX and was sent to the borrower on XX/XX/XXXX.  Based on the mailbox rule received date isXX/XX/XXXX, which is on or after the Note date of XX/XX/XXXX. BUYER - WAIVED COMMENT (2024-07-09): EV2
BUYER - GENERAL COMMENT (2024-07-22): Please see attached original appraisal report  X/XX + the proof of delivery and receipt on X/XX, and also see confirmation that the updated report X/XX was also sent to the borrower.  thank you
REVIEWER - WAIVED COMMENT (2024-07-22): Client accepts EV2.		 Federal Compliance - (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer): TILA HPML - subject to a 1 year SOL for affirmative claims under TILA, Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000305 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000290 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1 [1] Federal Compliance - 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 $1,050.00 exceeds tolerance of $950.00.  Sufficient or excess cure was provided to the borrower at Closing. XXXX Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Increased fee with no cure or change of circumstance. REVIEWER - CURED COMMENT (2024-07-08): Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000280 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000276 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $3,968.00 plus 10% or $4,364.80.  Sufficient or excess cure was provided to the borrower at Closing. (0) Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: Ten Percent Fee Tolerance exceeded. Total amount of $XXX exceeds tolerance of $3,968.00 plus 10% or $4,364.80.  Sufficient or excess cure was provided to the borrower at Closing REVIEWER - CURED COMMENT (2024-07-05): Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000272 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000267 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000262 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000261 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000260 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000252 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000251 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - Federal HPML Appraisal - CDFI Not Exempt: TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold.
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee.  Fee Amount of $2.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. XXXX		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for TX Guaranty Fee. Fee Amount of $2.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower. BUYER - WAIVED COMMENT (2024-07-18): we accept an EV2 grade
BUYER - GENERAL COMMENT (2024-07-22): see attached
REVIEWER - CURED COMMENT (2024-07-23): XXXXXXX  received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000256 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - Federal HPML Appraisal - CDFI Not Exempt: TILA HPML Appraisal Rule (Dodd-Frank 2014): ATR Exempt CDFI loan does not qualify for exemption from Federal HPML Appraisal requirements under 1026.35(c)(2) due to loan failing one or more of the QM requirements under 1026.43(c)(2)(i)-(iii) or (vi) (Loan Feature, Loan Term, Points and Fees, or QM APOR Rate Threshold.   BUYER - WAIVED COMMENT (2024-07-10): EV2       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000538 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000248 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Higher Priced QM (APOR) 2 2 [2] Miscellaneous - Credit Exception: Exception approved for the form 1099 being paid to the borrower's business and not having XXXX transcripts.  The lesser of 1099 income or Y-T-D income for XXXX must be used for qualifying.  Provide an end-of-year paystub, statement, or similar documentation for XXXX in lieu of the transcript.  Lender exception is in the file. REVIEWER - WAIVED COMMENT (2024-04-29): Lender exception in file. 1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

The qualifying DTI on the loan is at least 10% less than the guideline maximum.		   - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000249 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1 [1] Federal Compliance - 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 $5,104.40 exceeds tolerance of $5,096.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304) Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure was provided to the borrower at Closing. REVIEWER - CURED COMMENT (2024-02-15): Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000537 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 2 1       1       2 [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $182.00 exceeds tolerance of $144.00 plus 10% or $158.40.  Insufficient or no cure was provided to the borrower. (0) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Recording fee was increased from $144.00 to $182.00 without any valid changed circumstances, cure was also not provided. BUYER - GENERAL COMMENT (2024-07-17): CD with COC
REVIEWER - GENERAL COMMENT (2024-07-18): XXXXXXX  received Changed Circumstance dated XX/XX/XXXX, but it does not give sufficient information on why the fee was increased.  In order to determine if the changed circumstance is valid more information is necessary on reason fee increased and when lender became aware of the change.  A valid Changed Circumstance or cure is required.  Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
BUYER - GENERAL COMMENT (2024-07-19): LOE
REVIEWER - GENERAL COMMENT (2024-07-23): XXXXXXX  received COC stating the extra rider being recorded. As per the available docs the property is PUD second home which is known from the initial itself. Riders available in file is also for PUD and second Home. Please advise what new information was received at closing that resulted increase in recording fee. Please provide information as to what changed circumstance occurred (as defined under 1026.19(e)(4)(A)-(F) that resulted in an increase in closing costs.
BUYER - GENERAL COMMENT (2024-07-25): LOX and PCCD Uploaded
REVIEWER - GENERAL COMMENT (2024-07-26): XXXXXXX  received Post CD and LOX. However,we would also require copy of refund check in order to cure the exception.
BUYER - GENERAL COMMENT (2024-07-29): Copy of Check  and Ship Label to Borrower
REVIEWER - CURED COMMENT (2024-07-31): XXXXXXX  Received PCCD, LOE and copy of refund check.		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000536 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Verification appraisal was delivered to borrower not provided. REVIEWER - WAIVED COMMENT (2024-07-08): Client elects to waive. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000535 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 2 [2] Insufficient Coverage - The Hazard Insurance Policy effective date is after the funds disbursed.: Hazard Insurance Policy Effective Date XX/XX/XXXX; Disbursement Date: XX/XX/XXXX; Note Date: XX/XX/XXXX; Transaction Date: XX/XX/XXXX Hazard Insurance Policy Effective Date XX/XX/XXXX is after Disbursement Date XX/XX/XXXX. BUYER - GENERAL COMMENT (2024-07-23): FSS to show disb date JUL 1 and insurance within limits
REVIEWER - GENERAL COMMENT (2024-07-27): FSS received; however, it is not signed/stamped certified by any part.  Please provide signed/stamped certified FSS to override disbursement date on final CD signed at closing.
REVIEWER - WAIVED COMMENT (2024-08-09): Waived with compensating factors per client request.		 1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal delivered to borrower not provided. REVIEWER - WAIVED COMMENT (2024-07-12): Client elects to waive.   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000534 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000533 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000532 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:SecondaXX/XX/XXXX024)
[1] Federal Compliance - 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 $215.00 exceeds tolerance of $200.00.  Sufficient or excess cure was provided to the borrower at Closing. XXXX		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation.
Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Sufficient cure provided at closing		 REVIEWER - WAIVED COMMENT (2024-07-18): Client elects to waive.
REVIEWER - CURED COMMENT (2024-07-29): Sufficient Cure Provided At Closing		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000531 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000530 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:SecondaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Date valuation provided to applicant is prior to the date when valuation was performed. Unable to determine compliance with appraisal timing requirements. REVIEWER - WAIVED COMMENT (2024-07-18): Client elects to waive.       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000529 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - 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. (Client:18XX/XX/XXXX024)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing documentation the borrower received a copy of the appraisal within 3 business days of closing.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence preliminary appraisal report datedXX/XX/XXXX was received by borrower at least 3 business days prior to consummation.		 REVIEWER - WAIVED COMMENT (2024-07-26): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-07-26): Client elects to waive.		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000528 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       2 [2] Appraisal Reconciliation - Appraisal is required to be in name of Lender: Valuation Type: Appraisal / Valuation Report Date: XX/XX/XXXX Appraisal Transfer Letter is missing REVIEWER - WAIVED COMMENT (2024-07-26): Client elects to waive. 1             - A A A A A A A A A A B B B B B B B B B B
XXXX XXXX 100000527 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Refinance Rate/Term Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   REVIEWER - WAIVED COMMENT (2024-07-29): Client elects to waive. 1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX023) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): File is missing evidence the appraisal datedXX/XX/XXXX was received by borrower at least 3 business days prior to consummation. REVIEWER - WAIVED COMMENT (2024-07-29): Client elects to waive. Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000526 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000525 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX 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/XXXX).  The disclosed Total of Payments in the amount of $XXX is under disclosed by $87.50 compared to the calculated total of payments of $2,041,655.69 which exceeds the $35.00 threshold. (FinXX/XX/XXXX024)
[2] Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Reason: TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on XX/XX/XXXX incorrectly disclosed whether the loan will have an escrow account. (FinXX/XX/XXXX024)		 Federal Compliance - TRID Final Closing Disclosure Total Of Payments: XXXXXXX  received 7-29-24 Corrected CD.  Costs in Section D total have increased over tolerance of TOP calculation and were underdisclosed by $87.50.  Cure with Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $87.50, proof of mailing and proof of reopening of rescission to all consumers as this is a Material Disclosure violation on a rescindable transaction.
Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Reason: Borrower did not opt for escrow account, however additional questions regarding declined or not offered is not disclosed in page 4 of Final CD.		 BUYER - GENERAL COMMENT (2024-08-08): PCCD With LOE uploaded today
BUYER - GENERAL COMMENT (2024-08-09): LOE from seller
REVIEWER - GENERAL COMMENT (2024-08-09): XXXXXXX  received rebuttal that cost increase falls into 10% tolerance.  However, Total of Payments (TOP) regulation is different from fee tolerance (10% tolerance) regulations.  TOP costs in Section D of page 2 increased over the TOP tolerance and the TOP was underdisclosed at closing by $87.50 which requires cure to borrower.  This is a Material Disclosure violation on a rescindable transaction which also requires rescission reopened.  Please provide Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $87.50, proof of mailing and proof of reopening rescission to all consumers.
BUYER - GENERAL COMMENT (2024-08-23): Notice Of Right To Cancel
REVIEWER - GENERAL COMMENT (2024-08-27): XXXXXXX  received executed RTC.  However, missing the remaining cure documents previously stated: Corrected CD, LOE to borrower, copy of cure refund for total underdisclosure of $87.50 and proof of mailing.
BUYER - GENERAL COMMENT (2024-08-29): Closing Disclosure Refund or Restitution Package
REVIEWER - CURED COMMENT (2024-09-03): XXXXXXX  received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed equivalent amount, Corrected CD, and Re-open Rescission.
BUYER - GENERAL COMMENT (2024-08-05): PCCD
REVIEWER - GENERAL COMMENT (2024-08-06): XXXXXXX  received PCCD.  Missing LOE to borrower.
BUYER - GENERAL COMMENT (2024-08-08): PCCD With LOE
REVIEWER - CURED COMMENT (2024-08-09): XXXXXXX  received Letter of Explanation & Corrected Closing Disclosure.		 Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Reason: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000524 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000523 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - (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.		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: File is missing documentation verifying at closing the borrower received a copy of the appraisal within 3 business days of closing. REVIEWER - WAIVED COMMENT (2024-07-30): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-07-30): Client elects to waive.		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000522 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. The Title Preliminary Report in the file doesn't disclose the total Policy coverage amount.  Provide evidence of title with sufficient policy coverage. REVIEWER - WAIVED COMMENT (2024-08-01): Client elects to waive. 1       2 [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $245.00 exceeds tolerance of $196.00 plus 10% or $215.60.  Insufficient or no cure was provided to the borrower. (0)
[2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee.  Fee Amount of $250.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. XXXX
[2] Federal Compliance - 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 $700.00.  Insufficient or no cure was provided to the borrower. XXXX		 Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Total amount of $325.00 exceeds tolerance of $196.00 plus 10% or $215.60. Insufficient or no cure was provided to the borrower.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Re-Inspection Fee. Fee Amount of $250.00 exceeds tolerance of $0.00. Insufficient or no cure was provided to the borrower.
Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Appraisal Fee. Fee Amount of $900.00 exceeds tolerance of $700.00. Insufficient or no cure was provided to the borrower.		 BUYER - GENERAL COMMENT (2024-08-15): PCCD, LOX and proof of delivery to resolve TRID items were uploaded today
REVIEWER - GENERAL COMMENT (2024-08-16): XXXXXXX  received PCCD dated XX/XX/XXXX with Recording fee reduced $245 from $325. However, we also refund cure of $29.40 (ILE $196 + 10%($19.6) = $215.60 - $245 PCCD) for recording fee exceed of 10% tolerance with cure documents along with required True and Certified copy of the Final Settlement Statement to verify the specific fee applied the same and reevaluate this exception.
REVIEWER - GENERAL COMMENT (2024-08-22): EXCEPTION HISTORY - Exception Detail was updated on XX/XX/XXXX PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $325.00 exceeds tolerance of $196.00 plus 10% or $215.60.  Insufficient or no cure was provided to the borrower. (0)
BUYER - GENERAL COMMENT (2024-08-23): Revised PCCD and copy of cure check
REVIEWER - CURED COMMENT (2024-08-26): XXXXXXX  received Letter of Explanation, Copy of Refund Check, and Corrected CD.
BUYER - GENERAL COMMENT (2024-08-15): PCCD, LOX and proof of delivery to resolve TRID items were uploaded today
REVIEWER - GENERAL COMMENT (2024-08-16): XXXXXXX : Cure provided at closing is insufficient to cure for all the citing 0% and 10% exception. We will clear the exception once we received resolution on the 10% exception citing. Exception remains.
BUYER - GENERAL COMMENT (2024-08-23): Revised PCCD and copy of cure check uploaded today for review
REVIEWER - CURED COMMENT (2024-08-26): XXXXXXX  received Letter of Explanation, Copy of Refund Check, and Corrected CD.
BUYER - GENERAL COMMENT (2024-08-15): PCCD, LOX and proof of delivery to resolve TRID items were uploaded today
REVIEWER - GENERAL COMMENT (2024-08-16): XXXXXXX : Cure provided at closing is insufficient to cure for all the citing 0% and 10% exception. We will clear the exception once we received resolution on the 10% exception citing. Exception remains.
BUYER - GENERAL COMMENT (2024-08-23): Revised PCCD and copy of cure check uploaded today for review
REVIEWER - CURED COMMENT (2024-08-26): XXXXXXX  received Letter of Explanation, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.		     - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000521 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. REVIEWER - WAIVED COMMENT (2024-08-01): Client elects to waive.       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000520 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000519 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. REVIEWER - WAIVED COMMENT (2024-08-05): Client elects to waive.       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000518 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Non QM 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $X,XXX,XXX is less than the note amount of $X,XXX,XXX based on the Preliminary in file.   REVIEWER - WAIVED COMMENT (2024-08-05): Client elects to waive. 1       1             - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000517 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 2 1       1       2 [2] Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed (FinXX/XX/XXXX024)
[2] Federal Compliance - 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/XXXX did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. (FinXX/XX/XXXX024)		 Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: Page 1 of final CD reflects $0 in estimated escrow and Page 4 does not reflect any estimated property costs over Year 1 for the subject property.
Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1: Page 1 of final CD reflects $0 in estimated escrow and Page 4 does not reflect any estimated property costs over Year 1 for the subject property.		 BUYER - GENERAL COMMENT (2024-08-12): Trid condition response
REVIEWER - GENERAL COMMENT (2024-08-13): XXXXXXX  In order to clear this exception, require corrected PCCD and LOE showing estimated taxes, insurance and assessment on page 01 and estimated property cost over year 01 on page 04.
BUYER - GENERAL COMMENT (2024-08-13): PCCD and LOE uploaded today with other trid condition
REVIEWER - CURED COMMENT (2024-08-14): XXXXXXX  received corrected PCCD and LOE.
BUYER - GENERAL COMMENT (2024-08-12): Trid condition response
REVIEWER - GENERAL COMMENT (2024-08-13): XXXXXXX  In order to clear this exception, require corrected PCCD and LOE showing estimated taxes, insurance and assessment on page 01 and estimated property cost over year 01 on page 04.
BUYER - GENERAL COMMENT (2024-08-13): PCCD and LOE
REVIEWER - CURED COMMENT (2024-08-14): XXXXXXX  Received Corrected PCCD and LOE.		 Federal Compliance - TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability.

Federal Compliance - TRID Final Closing Disclosure Will Not Have Escrow -  Property Costs Year 1: TILA - 1yr affirmative,  Unlimited as a defense to foreclosure. Assignee liability.		     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000516 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000515 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000514 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000513 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000512 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. The preliminary title report in the file did not disclose the title insurance coverage amount.  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 - WAIVED COMMENT (2024-08-08): Client elects to waive. 1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: The file does not contain explicit documentation to evidence delivery of the appraisal to the borrower at least 3 business days prior to closing REVIEWER - WAIVED COMMENT (2024-08-08): Client elects to waive.       - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000511 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000510 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000509 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 2 1       1       2 [2] Federal Compliance - (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. Federal Compliance - (Missing Data) Last Rate Set Date: Initial Rate Lock is missing. REVIEWER - WAIVED COMMENT (2024-08-09): Client elects to waive       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000508 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. The preliminary title report in the file did not disclose the title insurance coverage amount.  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 - WAIVED COMMENT (2024-08-08): Client elects to waive. 1       2 [2] Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on XX/XX/XXXX 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/XXXX).  The disclosed Total of Payments in the amount of $XXX is under disclosed by $120.00 compared to the calculated total of payments of $1,827,568.80 which exceeds the $35.00 threshold. (FinXX/XX/XXXX024) Federal Compliance - TRID Final Closing Disclosure Total Of Payments: Final Disclosure disclosed a Total of Payments are $XXX. Due Diligence Total of Payments are $1,827,568.80. There is a variance of $120.00. BUYER - GENERAL COMMENT (2024-08-14): PCCD and supporting docs
REVIEWER - GENERAL COMMENT (2024-08-16): XXXXXXX  received Corrected CD, LOE to borrower, copy of cure refund check for total underdisclosure and proof of mailing.  As this is a material disclosure on a rescindable transaction, proof of reopening of rescission to all consumers is also required to cure.
BUYER - GENERAL COMMENT (2024-08-19): Notice of right to cancel
REVIEWER - CURED COMMENT (2024-08-21): XXXXXXX  received Letter of Explanation, Proof of Delivery, Refund check for underdisclosed amount, Corrected CD, and Re-open Rescission.		 Federal Compliance - TRID Final Closing Disclosure Total Of Payments: TILA - 1yr affirmative, 3yrs for rescindable transactions.  Unlimited as a defense to foreclosure. Assignee liability.     - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000507 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 5.98750% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total $44,307.50 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $37,000.00 and $1000.00 (2024) (an overage of $7,307.50 or .98750%).		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): Appraisal dated XX/XX/XXXX is missing evidence of receipt. REVIEWER - WAIVED COMMENT (2024-08-12): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-08-12): Client elects to waive.		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000506 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 2 [2] Miscellaneous - Credit Exception: File contains scenario exception request form for title seasoning for the seller, who acquired title less than 90 days prior to sales contract date; however, it does not reflect that it was approved.  Please provide approved exception documentation. REVIEWER - WAIVED COMMENT (2024-08-15): Waived with compensating factors per lender exception approval in file. 1       1 [1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Verification Fee.  Fee Amount of $100.00 exceeds tolerance of $75.00.  Sufficient or excess cure was provided to the borrower at Closing. (75208)
[1] Federal Compliance - 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 $765.00 exceeds tolerance of $750.00.  Sufficient or excess cure was provided to the borrower at Closing. XXXX		   REVIEWER - CURED COMMENT (2024-08-09): Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT (2024-08-09): Sufficient Cure Provided At Closing		   Borrower has verified disposable income of at least $2500.00.

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

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

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000505 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. (Client:36XX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence preliminary appraisal delivered to borrower at least 3 business days prior to consummation. REVIEWER - WAIVED COMMENT (2024-08-12): Client elects to waive.       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000504 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - 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/XXXX,  Most Recent Tax Return End Date XX/XX/XXXX, Tax Return Due Date XX/XX/XXXX. (XXXXXXXXX, XXXX, XXXXX)
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $353.00 exceeds tolerance of $301.00 plus 10% or $331.10.  Sufficient or excess cure was provided to the borrower at Closing. (0)		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): File is missing evidence the final appraisal report datedXX/XX/XXXX was delivered to borrower at or before closing.
Federal Compliance - Self-Employed Tax Return Recency - ATR: The most recent tax returns provided are for XXXX; however, XXXX taxes were due prior to loan application.  File contains extension for XXXX.		 BUYER - GENERAL COMMENT (2024-08-15): July 30 appraisal delivery confirmation
REVIEWER - WAIVED COMMENT (2024-08-15): Client elects to waive.  Final appraisal report datedXX/XX/XXXX was not received at or before consummation.
REVIEWER - WAIVED COMMENT (2024-08-15): Client elects to waive.
REVIEWER - CURED COMMENT (2024-08-09): Sufficient Cure Provided At Closing		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000503 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 2 [2] AUS Discrepancy / Guidelines Discrepancy - Guideline Requirement: Minimum Loan Amount discrepancy.: Note loan amount of $XXX,XXX is less than Guideline minimum loan amount of $125,000.00. Note loan amount of $XXX,XXX is less than Guideline minimum loan amount of $125,000.00. BUYER - GENERAL COMMENT (2024-08-16): Preclose eRESI exception approval
BUYER - GENERAL COMMENT (2024-08-19): Exception request and approval
REVIEWER - WAIVED COMMENT (2024-08-23): Waived with compensating factors per client exception approval provided in trailing docs.		 1       2 [2] Federal Compliance - FNMA Points and Fees: FNMA Points and Fees on subject loan of 6.00850% is in excess of the allowable maximum of the greater of 5.00000% of the Original Loan Amount and $1000.00 (2024). FNMA Finance Charge total $6,188.75 on a Original Loan Amount of $XXX,XXX vs. an allowable total of $5,150.00 and $1000.00 (2024) (an overage of $1,038.75 or 1.00850%).   REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive.   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000502 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Title policy Amount Not Provided REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive. 1       1             - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000501 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.34847% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $8,229.20 on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $7,372.80 (an overage of $856.40 or .34847%).
[2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $85.00 exceeds tolerance of $60.00 plus 10% or $66.00.  Insufficient or no cure was provided to the borrower. (0)		 Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: Ten Percent Fee Tolerance exceeded. Total amount of $85.00 exceeds tolerance of $60.00 plus 10% or $66.00. Insufficient or no cure was provided to the borrower. REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive.
BUYER - GENERAL COMMENT (2024-08-21): PCCD and supporting docs
REVIEWER - GENERAL COMMENT (2024-08-23): XXXXXXX  received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check. However, provided PCCD reflects refund cure of $29 in inner column of section J. But, provided LOX and copy of refund check indicates refund cure of $19. Provide corrected PCCD as per LOX and refund check or Provide updated LOX and additional refund Check of $10 as per PCCD to complete remediation.
BUYER - GENERAL COMMENT (2024-08-23): PCCD and LOE
REVIEWER - CURED COMMENT (2024-08-27): XXXXXXX  received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.		   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000500 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Type:SecondaXX/XX/XXXX024)
[2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Updated appraisal was delivered to borrower after note date
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Updated appraisal was delivered to borrower after note date		 REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive.		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000499 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000498 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Refinance Cash-out - Other N/A 2 2 [2] General - Title Policy Coverage is less than Original Loan Amount.: The Title Policy Amount of $XXX,XXX is less than the note amount of $XXX,XXX based on the Preliminary in file. Title Policy Coverage $XXX,XXX is less than Original Loan Amount $XXX,XXX. REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive. 1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal was delivered to borrower was not provided. REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive.       - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000497 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. Please provide updated coverage or final title policy evidencing the correct coverage amount. REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive. 1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three business days prior to consummation. REVIEWER - WAIVED COMMENT (2024-08-13): Client elects to waive.       - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000496 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - (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.		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification appraisal delivered to borrower was not provided. REVIEWER - WAIVED COMMENT (2024-08-14): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-08-14): Client elects to waive.		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000495 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - (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.   REVIEWER - WAIVED COMMENT (2024-08-14): Client elects to waive.       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000494 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000493 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure:Zero Percent Fee Tolerance exceeded for Lender Credits.  Final Lender Credit of $-1,235.00 exceeds tolerance of $-4,648.00. Insufficient or no cure was provided to the borrower. XXXX		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Verification of appraisal was delivered to borrower not provided in file.
Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-1,235.00 exceeds tolerance of $-4,648.00.		 REVIEWER - WAIVED COMMENT (2024-08-14): Client elects to waive.
BUYER - GENERAL COMMENT (2024-08-20): CD with COC
REVIEWER - GENERAL COMMENT (2024-08-21): XXXXXXX  received COC dated 07/29 for change in loan amount, appraised value and escrows. The information did not state that there was a pricing/product/program change. Provide additional information to support a pricing change for the lender credit decrease or cure would be due.
BUYER - GENERAL COMMENT (2024-08-28): Explanation for decrease
REVIEWER - GENERAL COMMENT (2024-08-28): If loan amount was tied to lender credit amount then the reduction in loan amount and only loan amount, would have reflected an identical drop in lender credit by percentage. In this case, the loan amount dropped 40.625% and the Lender Credit dropped 74.5052%. The change difference would indicate other factors influencing the lender credit offering such as pricing or product. Since those circumstance changes are not reflected on the VCC, a cure is required.
BUYER - GENERAL COMMENT (2024-08-30): Seller rebuttal
REVIEWER - GENERAL COMMENT (2024-09-04): XXXXXXX  received lender screen prints for regulation and provided LOX rebuttal that change reason for loan amount. However, the lender credit did not change proportionately with the loan amount change and is not a valid reason for the lender credit decrease.  Provide additional information to support a pricing change for the lender credit decrease or cure would be due.
BUYER - GENERAL COMMENT (2024-09-10): Tol Cure
REVIEWER - CURED COMMENT (2024-09-11): XXXXXXX  received PCCD, LOE, proof of mailing & copy of refund check.		 Federal Compliance - TRID Lender Credit Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000492 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   REVIEWER - WAIVED COMMENT (2024-08-15): Client elects to waive. 1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Appraisal receipt was not provided to the borrower with in 3 business days to the note date. REVIEWER - WAIVED COMMENT (2024-08-15): Client elects to waive.       - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000491 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:SecondaXX/XX/XXXX024)
[2] Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: ECOA Valuations Rule (Dodd-Frank 2014): Date valuation provided to applicant is prior to the date when valuation was performed.  Unable to determine compliance with appraisal timing requirements. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - Fannie Mae 2014 - 3% Points and Fees: Fannie Mae 2014 3% Points and Fees Test.  Points and Fees on subject loan of 3.49592% is in excess of the investor allowable maximum of  3.00000% of the Federal Total Loan Amount. Points and Fees total $31,819.00 on a Federal Total Loan Amount of $XXX vs. an investor allowable total of $27,305.25 (an overage of $4,513.75 or .49592%).
[2] Federal Compliance - RESPA -  Initial Escrow Account Statement Missing: RESPA: Initial escrow account statement was not provided to the borrower.		 Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal was provided to the borrower XX/XX/XXXX which is prior to the appraisal report date of XX/XX/XXXX.
Federal Compliance - ECOA Appraisal - Appraisal Provided Prior to Date Performed: Appraisal was provided to the borrower XX/XX/XXXX which is prior to the appraisal report date of XX/XX/XXXX.		 REVIEWER - WAIVED COMMENT (2024-08-21): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-08-21): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-08-21): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-08-21): Client elects to waive.		 Federal Compliance - RESPA -  Initial Escrow Account Statement Missing: RESPA (Sections 4 and 5) contains no explicit assignee liability provisions within the statute or implementing regulation, Regulation X, for these type of violations.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000490 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000489 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   REVIEWER - WAIVED COMMENT (2024-08-16): Client elects to waive. 1       2 [2] Federal Compliance - TRID Final Closing Disclosure Contact Information - Broker: TILA-RESPA Integrated Disclosure - Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required  Broker  Contact Information (Broker Name, Broker NMLS ID, Contact Name, Contact NMLS ID). (FinXX/XX/XXXX024) Federal Compliance - TRID Final Closing Disclosure Contact Information - Broker: Contact Information: Final Closing Disclosure provided on XX/XX/XXXX did not disclose the required  Broker  Contact Information. BUYER - GENERAL COMMENT (2024-08-19): PCCD included in attached has broker information
REVIEWER - GENERAL COMMENT (2024-08-20): XXXXXXX  received Corrected CD.  However, the X-XX-XX PCCD does not reflect the Mortgage Broker's NMLS ID # on page 5.  Provide copy of Corrected CD and LOE to borrower adding the NMLS ID number.
BUYER - GENERAL COMMENT (2024-08-26): PCCD With NMLS ID No. LOE (Disclosure Tracking Reasons)
REVIEWER - CURED COMMENT (2024-08-28): XXXXXXX  received PCCD adn LOE.		 Federal Compliance - TRID Final Closing Disclosure Contact Information - Broker: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000488 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Refinance Rate/Term N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000487 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Home Improvement Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000486 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   REVIEWER - WAIVED COMMENT (2024-08-16): Client elects to waive. 1       1             - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000485 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000484 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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 $165.00 exceeds tolerance of $0.00.  Insufficient or no cure was provided to the borrower. $XXX Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Appraisal Review Fee. Fee Amount of $165.00 exceeds tolerance of $0.00. No valid COC provided, nor evidence of cure in file. BUYER - GENERAL COMMENT (2024-08-21): Appraisal review invoice
BUYER - GENERAL COMMENT (2024-08-22): Initial LE with appraisal review fee disclosed
REVIEWER - GENERAL COMMENT (2024-08-23): XXXXXXX  received LE dated XX/XX/XXXX with Appraisal review fee $205. However, please see doc ID XXXX LE dated XX/XX/XXXX, which reflects $XXX Cash to close on page 1 and an acknowledged by borrower on XX/XX/XXXX on Page 3 does not disclosed Appraisal review fee and there seems to be no valid COC in the loan file for the fee was added on XX/XX/XXXX Seq #2 LE. Provide valid COC on 07/18 #2 or Cure would be due to borrower.
BUYER - GENERAL COMMENT (2024-09-04): Cure docs
REVIEWER - CURED COMMENT (2024-09-05): XXXXXXX  received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000483 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Refinance Cash-out - Other N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000482 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000481 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - 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. (Client:47XX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. REVIEWER - WAIVED COMMENT (2024-08-21): Client elects to waive.       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000480 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000479 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000478 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. The Preliminary title policy amount is blank. REVIEWER - WAIVED COMMENT (2024-08-23): Client elects to waive. 1       1             - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000477 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   REVIEWER - WAIVED COMMENT (2024-08-23): Client elects to waive. 1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:SecondaXX/XX/XXXX024)		   REVIEWER - WAIVED COMMENT (2024-08-23): Client elects to waive.
REVIEWER - WAIVED COMMENT (2024-08-23): Client elects to waive.		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.

Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability.		     - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000476 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1 [1] Federal Compliance - 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 $50.00 exceeds tolerance of $25.00.  Sufficient or excess cure was provided to the borrower at Closing. XXXX   REVIEWER - CURED COMMENT (2024-09-12): Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000475 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - 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 $179.28 exceeds tolerance of $160.00.  Insufficient or no cure was provided to the borrower. XXXX Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $179.28 exceeds tolerance of $160.00 without a valid change of circumstance. BUYER - GENERAL COMMENT (2024-09-12): Please see refund for credit report fee
REVIEWER - CURED COMMENT (2024-09-16): XXXXXXX  received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000474 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000473 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 2 2 [2] Income Documentation - Income Docs Missing:: Borrower: XXXXXXX X XXXXXXXXX Third Party Verification
[2] Income Documentation - Income documentation requirements not met.		 Guidelines require third party verification that the business used in income qualifying has been in existence for 2 years.  The only third party verification document in file is from the secretary of state and it reflects the business was formed XX/XX/XXXX, which is less than 2 months prior to the Note date.
Guidelines require third party verification that the business used in income qualifying has been in existence for 2 years.  The only third party verification document in file is from the secretary of state and it reflects the business was formed XX/XX/XXXX, which is less than 2 months prior to the Note date.		 BUYER - GENERAL COMMENT (2024-08-30): Verification of business formation in XXXX
REVIEWER - GENERAL COMMENT (2024-09-07): Document provided is datedXX/XX/XXXX, which is after consummation date of loan.  Also, the document provided at initial review indicates business is an LLC and document provided in trailing docs reflects corporation.  Further, the Department ID number on the document provided in trailing docs does not match the Department ID number on the search provided at the time of initial review.
REVIEWER - GENERAL COMMENT (2024-09-09): The CoGS dated XX/XX/XXXX sent via email is post consummation cannot be accepted.
BUYER - GENERAL COMMENT (2024-09-11): UW attestation
REVIEWER - WAIVED COMMENT (2024-09-17): Waived with compensating factors.  Lender provided documentation that a state website search was conducted pre-consummation; however, per the processor certification, they left it out of the loan file inadvertently.  File contained a VVOE along with copy of business license that was dated pre-consummation.
BUYER - GENERAL COMMENT (2024-08-30): Formation XXXX
REVIEWER - GENERAL COMMENT (2024-09-07): Document provided is datedXX/XX/XXXX, which is after consummation date of loan.  Also, the document provided at initial review indicates business is an LLC and document provided in trailing docs reflects corporation.  Further, the Department ID number on the document provided in trailing docs does not match the Department ID number on the search provided at the time of initial review.
BUYER - GENERAL COMMENT (2024-09-11): UW attestation
REVIEWER - WAIVED COMMENT (2024-09-17): Waived with compensating factors.  Lender provided documentation that a state website search was conducted pre-consummation; however, per the processor certification, they left it out of the loan file inadvertently.  File contained a VVOE along with copy of business license that was dated pre-consummation.		 1       2 [2] Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay.  (Exception is eligible to be regraded with compensating factors.) Federal Compliance - Income/Asset Guideline Deficiency - ATR Impact: Guidelines require third party verification that the business used in income qualifying has been in existence for 2 years.  The only third party verification document in file is from the secretary of state and it reflects the business was form XX/XX/XXXX, which is less than 2 months prior to the Note date. BUYER - GENERAL COMMENT (2024-08-30): Verification of business formation in XXXX uploaded today for review
REVIEWER - GENERAL COMMENT (2024-09-07): Document provided is datedXX/XX/XXXX, which is after consummation date of loan.  Also, the document provided at initial review indicates business is an LLC and document provided in trailing docs reflects corporation.  Further, the Department ID number on the document provided in trailing docs does not match the Department ID number on the search provided at the time of initial review.
BUYER - GENERAL COMMENT (2024-09-11): UW attestation uploaded today for review
REVIEWER - GENERAL COMMENT (2024-09-17): Regraded to EV2-B based on compensating factors. Lender provided documentation that a state website search was conducted pre-consummation; however, per the processor certification, they left it out of the loan file inadvertently. File contained a VVOE along with copy of business license that was dated pre-consummation.
REVIEWER - WAIVED COMMENT (2024-09-17): Client elects to waive		   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

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

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000472 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - (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.
[1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $7,532.25 exceeds tolerance of $5,835.00 plus 10% or $6,418.50.  Sufficient or excess cure was provided to the borrower at Closing. (0)
[1] Federal Compliance - 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 $7,474.50 exceeds tolerance of $7,403.00.  Sufficient or excess cure was provided to the borrower at Closing. (8304)
[1] Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Rate Lock Fee.  Fee Amount of $2,038.50 exceeds tolerance of $2,019.00.  Sufficient or excess cure was provided to the borrower at Closing. (7335)		   REVIEWER - WAIVED COMMENT (2024-09-25): Client elects to waive
REVIEWER - CURED COMMENT (2024-08-29): Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT (2024-08-29): Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT (2024-08-29): Sufficient Cure Provided At Closing		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000471 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000470 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: ECOA Valuations Rule (Dodd-Frank 2014): Creditor did not provide "Right to Receive a Copy" appraisal disclosure to applicant within three (3) business days of application or determination of first lien status.   REVIEWER - WAIVED COMMENT (2024-09-09): Client elects to waive. Federal Compliance - ECOA Appraisal - Right to Receive Copy of Appraisal Disclosure Not Provided Timely: There is generally no Assignee Liability.     - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000469 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: Creditor did not provide a copy of each valuation to applicant three (3) business days prior to consummation. (Type:PrimaXX/XX/XXXX024) REVIEWER - WAIVED COMMENT (2024-09-10): Client elects to waive.       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000303 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000318 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: TILA HPML appraisal Rule (Dodd-Frank 2014): Safe Harbor requirements not satisfied. Federal Compliance - TIL Higher Priced Mortgage Loan Safe Harbor Test: Due to transferred appraisal. BUYER - GENERAL COMMENT (2024-07-16): please see attached transfer letter and mavent reports. thank you
REVIEWER - GENERAL COMMENT (2024-07-23): The transfer letter will not clear this condition.  this is an EV2 condition that will remain on all loans with transferred appraisals.  Client can elect to waive.
BUYER - WAIVED COMMENT (2024-07-24): accept EV2. thank you		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000291 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 2 2 [2] Document Error - The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided.   BUYER - GENERAL COMMENT (2024-07-16): PLEASE FIND TITLE ATTACHED. THANK YOU.
REVIEWER - GENERAL COMMENT (2024-07-23): Received same commitment as in original file.  There is no title coverage amount listed on the policy.
BUYER - WAIVED COMMENT (2024-07-23): we accept an EV2 grade		 1       2 [2] Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $1,768.00 exceeds tolerance of $1,359.00 plus 10% or $1,494.90.  Insufficient or no cure was provided to the borrower. (0) Federal Compliance - TRID Ten Percent Tolerance Violation Without Sufficient Cure Provided: No valid change of circumstance nor cure provided. BUYER - GENERAL COMMENT (2024-07-22): please see attached cure package.  The final CD shows a lender cure of $207.10 on page 2.  The attached cure package is for $66 which is the total of $273.10 to cure for 10% tolerance. thank you
REVIEWER - CURED COMMENT (2024-07-23): XXXXXXX  received Letter of Explanation, Proof of Delivery, Refund check  & Corrected CD.		       - B B B B B B B B B B A A A A A B B B B B
XXXX XXXX 100000294 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000254 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Exempt from ATR 1 1       1       1 [1] Federal Compliance - TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing: TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $80.00 exceeds tolerance of $40.00 plus 10% or $44.00.  Sufficient or excess cure was provided to the borrower at Closing. (0)   REVIEWER - CURED COMMENT (2024-08-08): Sufficient Cure Provided At Closing       - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000250 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000362 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase Exempt from ATR 2 1       1       2 [2] Federal Compliance - Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Non Material: Missing Final HUD-1: Title Company Closing Statement used for any applicable Federal, State or Local compliance testing.  Investment occupancy with business purpose cert in file. Business purpose loans exempt from RESPA HUD-1 requirement. EV2 informational finding to indicate which document was used to source fees for any applicable testing. Federal Compliance - Missing Final HUD-1:  Title Co. Closing Statement Used For Fee Testing Non Material: Investment occupancy with business purpose cert in file. BUYER - GENERAL COMMENT (2024-09-03): Final SS
REVIEWER - GENERAL COMMENT (2024-09-05): A final settlement statement cannot be used to clear this condition.  As this is a loan reviewed under credit and compliance, a final HUD1 would be required.  Alternatively, this is an EV2 that client can elect to waive.
BUYER - WAIVED COMMENT (2024-09-12): EV2		       - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000335 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000327 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has verified disposable income of at least $2500.00.

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

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

The qualifying DTI on the loan is at least 10% less than the guideline maximum.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000332 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

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.

The qualifying DTI on the loan is less than or equal to 35%.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000325 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Second Home Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000352 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 1       1       2 [2] Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): ECOA Valuations Rule (Dodd-Frank 2014): Borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. (Type:PrimaXX/XX/XXXX024) Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): The disclosure indicated the 3 day mail box rule applied to the delivery of the final updated appraisal. SELLER - GENERAL COMMENT (2024-10-02): XXXXXXXXXX- RIGHT TO RECEIVE COPY OF APPRAISAL REPORT.pdf (Appraisal) was uploaded
SELLER - GENERAL COMMENT (2024-10-02): XXXXXXXXXX- 3 DAY APPRAISAL DELIVERY WAIVER.pdf (Unclassified) was uploaded
REVIEWER - GENERAL COMMENT (2024-10-03): Exception Remains - In received document option is not check whether to waived or not to waive the right to received the copy with 3 business days of the closing.
SELLER - GENERAL COMMENT (2024-10-03): This form was submitted yesterday and it is marked where it states "I agree". Please review and clear condition
XXXXXXXXXX- 3 DAY APPRAISAL DELIVERY WAIVER.pdf (Unclassified) was uploaded
REVIEWER - GENERAL COMMENT (2024-10-04): Waiver was input however borrower waived right to receive a copy of the appraisal at least three (3) business days prior to closing, and appraisal was not provided at or before closing. Exception remains.
BUYER - WAIVED COMMENT (2024-10-07): Acknowledging this non-material ECOA timing EV2.		 Federal Compliance - ECOA Appraisal - Appraisal Not Provided at or Before Closing (3-Day Waiver In File): There is generally no Assignee Liability. Borrower has verified disposable income of at least $2500.00.

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.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000331 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 2 [2] Miscellaneous - Credit Exception: Lender exception approved to use the borrower's most recent paystub to support the VVOE. REVIEWER - WAIVED COMMENT (2024-11-14): Client elects to waive with compensating factors. 1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.		   - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000328 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower spent 5 years or more on job

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.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000346 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 2 2 [2] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXXXXXX XXXXXXCX
Disaster Declaration Date: XX/XX/XXXX		 Post Disaster Inspection required to verify no damage to the property. SELLER - GENERAL COMMENT (2024-10-28): see attached
XXXX Disaster Inspection.pdf (Appraisal) was uploaded
REVIEWER - WAIVED COMMENT (2024-10-30): Client elects to waive with compensating factors.		 1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

Property inspected post disaster but pre-FEMA declaration of disaster end date.

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000321 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

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

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

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000337 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000322 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 1       1       2 [2] Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax.  Fee Amount of $2,833.80 exceeds tolerance of $2,783.00.  Insufficient or no cure was provided to the borrower. (8304) Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Transfer Tax fee amount of  $2,833.80 exceeds tolerance of $2,783.00. No valid change in circumstance or cure for borrower provided. SELLER - GENERAL COMMENT (2024-10-08): This Credit has already been issued to the borrower. See COC
XXXXkandov  COC  cure has already been credited.pdf (Closing Disclosure) was uploaded
REVIEWER - GENERAL COMMENT (2024-10-09): XXXXXXX  received cure of $50.40 at closing. However,we would require additional cure of $0.40 in order to cure the exception. The cure docs consist of post CD,LOX and copy of refund check.
SELLER - GENERAL COMMENT (2024-10-16): see attached PR with payhistory for  .40 cent s
XXXX PCCD and Payhistory .40 cent.pdf (Closing Disclosure) was uploaded
REVIEWER - CURED COMMENT (2024-10-17): XXXXXXX  received PCCD, LOE and payment history for principal reduction of cure.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability. Borrower has been employed in the same industry for more than 5 years.

Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least 4 months.		   - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000342 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

The qualifying DTI on the loan is less than or equal to 35%.

The representative FICO score exceeds the guideline minimum by at least 40 points.

The representative FICO score is above XXX.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000333 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000334 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Non QM 2 1       1       2 [2] Federal Compliance - 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. (Type:PrimaXX/XX/XXXX024)
[2] Federal Compliance - 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. (Client:89XX/XX/XXXX024)
[2] Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA-RESPA Integrated Disclosure - Loan Disclosures: Non Escrowed Property Costs over Year 1 of  on Final Closing Disclosure provided on XX/XX/XXXX are underdisclosed. (FinXX/XX/XXXX024)		 Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence in file showing borrower received copy of updated appraisal.
Federal Compliance - ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation: No evidence in file showing borrower received copy of appraisal.
Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: Appraisal indicates there are HOA dues, however the CD does not reflect this.		 BUYER - WAIVED COMMENT (2024-11-05): EV2 acknowledged
BUYER - WAIVED COMMENT (2024-11-05): EV2 acknowledged
BUYER - GENERAL COMMENT (2024-10-15): PCCD documentation uploaded for review.
REVIEWER - CURED COMMENT (2024-10-16): XXXXXXX  received Letter of Explanation & Corrected Closing Disclosure.		 Federal Compliance - TRID Final Closing Disclosure Non Escrow Costs Year 1 Underdisclosed - October 2018: TILA - 1yr affirmative. Unlimited as a defense to foreclosure. Assignee liability. Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

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

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.		   - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000319 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 1 1       1       1         Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

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.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000341 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1         Borrower has verified disposable income of at least $2500.00.

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000329 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Non QM 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least 10%.

The Loan to Value (LTV) on the loan is less than or equal to 70%.

The Loan to Value (LTV) on the loan is less than the guideline maximum by at least 10%.

The representative FICO score exceeds the guideline minimum by at least 40 points.

The representative FICO score is above XXX.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000330 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has verified disposable income of at least $2500.00.

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000340 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Refinance Cash-out - Other N/A 1 1       1       1         Borrower has verified disposable income of at least $2500.00.

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.

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000324 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 2 [2] Miscellaneous - Credit Exception: Lender exception requested and approved for Housing History. Received a private party VOR and a letter from the landlord confirming timely rent payments in cash each month. REVIEWER - WAIVED COMMENT (2024-10-15): Client elects to waive with compensating factors. 1       1         Borrower has verified disposable income of at least $2500.00.

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000339 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000320 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1         Borrower has verified disposable income of at least $2500.00.

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000338 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Investment Purchase N/A 1 1       1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000336 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 1 1       1       1 [1] Federal Compliance - 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 $1,815.00 exceeds tolerance of $1,500.00.  Sufficient or excess cure was provided to the borrower at Closing. (7507)
[1] Federal Compliance - 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 $1,815.00 exceeds tolerance of $1,500.00.  Sufficient or excess cure was provided to the borrower at Closing. XXXX		 Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Second Appraisal Fee was last disclosed as $1,500.00 on the Loan Estimate but disclosed as $1,815.00 on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file
Federal Compliance - TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing: Appraisal Fee was last disclosed as $1,500.00 on the Loan Estimate but disclosed as $1,815.00 on Final Closing Disclosure. File does not contain a Valid change of circumstance for this fee, nor evidence of cure in file		 REVIEWER - CURED COMMENT (2024-10-21): Sufficient Cure Provided At Closing
REVIEWER - CURED COMMENT (2024-10-21): Sufficient Cure Provided At Closing		   Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

The qualifying DTI on the loan is at least 10% less than the guideline maximum.		   - A A A A A A A A A A A A A A A A A A A A
XXXX XXXX 100000323 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Purchase Non QM 2 1       1       2 [2] Federal Compliance - 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 $80.00 exceeds tolerance of $65.00.  Insufficient or no cure was provided to the borrower. XXXX Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: Credit Report Fee disclosed as $65.00 on LE dated XX/XX/XXXX, but disclosed as $80.00 on Final Closing Disclosure. Insufficient or no cure was provided to the borrower. SELLER - GENERAL COMMENT (2024-11-01): COC LE, adding the $15 Credit supplement fee.
COC LE.pdf (Unclassified) was uploaded
REVIEWER - GENERAL COMMENT (2024-11-04): XXXXXXX  received updated COC dated XX/XX/XXXX indicates Credit supplement fee added $15. But it does not give sufficient information on what impacts and why the credit supplement is required to add the fee. In order to determine if the changed circumstance is valid more information is necessary on reason for the fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.
SELLER - GENERAL COMMENT (2024-11-04): PCCD and the cure docs
PCCD AND CURE DOCS.pdf (Unclassified) was uploaded
REVIEWER - CURED COMMENT (2024-11-05): XXXXXXX  Received Corrected PCCD, LOE, Refund Check and Proof of Mailing.		 Federal Compliance - TRID Zero Percent Tolerance Violation Without Sufficient Cure Provided: TILA - 1yr affirmative.  Unlimited as a defense to foreclosure. Assignee liability. Borrower has been employed in the same industry for more than 5 years.

Borrower has verified disposable income of at least $2500.00.

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

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - A A A A A B B B B B A A A A A B B B B B
XXXX XXXX 100000326 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Cash-out - Other Non QM 2 2 [2] Miscellaneous - Credit Exception:
[2] Application / Processing - FEMA Disaster Issue: The subject property is located in a FEMA disaster that does not have a declared end date.: Disaster Name: XXXXXXX XXXXXXCX
Disaster Declaration Date: XX/XX/XXXX		 Lender exception approved for no housing payment - free and clear.
The property is located in a FEMA disaster area that does not have a declared end date.		 REVIEWER - WAIVED COMMENT (2024-11-01): Client elects to waive with compensating factors.
SELLER - GENERAL COMMENT (2024-11-04): See DAIR attached
XXXX DAIR.pdf (Unclassified) was uploaded
REVIEWER - WAIVED COMMENT (2024-11-04): Client elects to waive with inspection prior to disaster end date.		 1       1         Borrower has been employed in the same industry for more than 5 years.

Borrower has owned the subject property for at least 5 years.

Borrower has verified disposable income of at least $2500.00.

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

Property inspected post disaster but pre-FEMA declaration of disaster end date.

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

The representative FICO score exceeds the guideline minimum by at least 40 points.		   - B B B B B A A A A A A A A A A B B B B B
XXXX XXXX 100000431 XXXX XXXX XXXX $XXX XX XX/XX/XXXX Primary Refinance Rate/Term Exempt from ATR 1 1       1       1             - A A A A A A A A A A A A A A A A A A A A