Recovco ID Loan #1 Loan # Loan #3 Project Name Pool State Option Agreement Amount Option Agreement Date Occupancy Lien Level Purpose Overall Grade Guideline Grade Grade 4 Exceptions (Reject / Non-curable) Grade 3 Exceptions (Conditions / Curable)...

Exhibit 99.2

Recovco ID

Loan #1

Loan #

Loan #3

Project Name

Pool

State

Option Agreement Amount

Option Agreement Date

Occupancy

Lien Level

Purpose

Overall Grade

Guideline Grade

Grade 4 Exceptions (Reject / Non-curable)

Grade 3 Exceptions (Conditions / Curable)

Grade 2 Exceptions (Warnings)

Grade 1 Exceptions (Notices / Informational)

XXXXX

XXX-XXXXX

RID1927

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID1930

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID1931

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID1932

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states there was one pier that was leaning and there were steel beams present for support."

XXXXX

XXX-XXXXX

RID1933

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection report in file states the following items are in need of recommended repair/replacement--driveway has large cracks and severe settlement, downspouts discharging close to the foundation and several were damaged or smashed, screen on sliding door is damaged, bathroom vent was directed into the attic, back left corner of crawl space has microbial growth near area where a vent is, the water heater has improper TPR valve extension pipe, there is no disconnect switch outside near the HVAC condensor and wire that runs through house is frayed and has been taped several times, kitchen dishwasher did not operate and not screwed properly and loose cabinet, basement bathroom sink has P trap and can cause drain clogs, living room outlet to the right of front window inoperable, dining room window of french door has fogged glass and could be bad seal, bedroom 2 closet doors missing handles as well as bedroom 3 and handrail at sub grade entry is broken at bottom of stairs and handrails leading to upstairs inside the home are loose to the left and right."

XXXXX

XXX-XXXXX

RID1940

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Per the inspection report on page XX- the left sidewalk was poured high so its above the wood sill plate. The sidewalk is lifted. There are cracks and deterioration on the patio slab bricks. The roof has cracked, damaged and slipped roof tiles. The fireplace chimney do not have the recommended rain caps and spark arrestor for one unit. The family room fireplace has damage and spalling of bricks. The exterior rear door for the water heater is delaminate. The side window panels are inoperable. The garage fire protective entry door does not close and latch on its own. The attic insulation has fallen from position. There are signs of rodent activity and there are pest related issues on the outside. There are signs of a water leak in the crawl space under the hall bathroom. There is a open electrical box under area estimated to be informal dining area. The property has two water heaters, and neither are installed with a gas line sediment trap/drip leg, bonding wire or insulation wrap. The heater has no cover installed. A bucket with rust discoloration inside under the heater condensate line. There is a BB type/sized hole in the rear facing dining window. In the hall bathroom, water appears to be leaking from the tub plumbing fixtures. The master bathroom GFCI outlets are redundantly wired to each other, so if one trips the may shut the other off. There are cracks in the ceiling and wall in the entry and halls. The front windows in the living room are inoperable."

XXXXX

XXX-XXXXX

RID1941

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

2: Acceptable with Warnings

* Loan Does Not Meet Originator Guidelines (Lvl 2) "Client is unable to clear missing hazard insurance.

09/24/2021: Client is comfortable with upgrading missing evidence of hazard insurance at origination finding from 4 to 2 with a warning that there was no evidence of hazard insurance at origination. Proof of hazard insurance recently requested from the homeowner and uploaded to Exavault."

* Missing proof of hazard insurance (Lvl 1) "Client is unable to clear missing hazard insurance. Unacceptable reviewer grade is addressed in the Loan Does Not Meet Originator Guidelines finding."
* Property Issues indicated (Lvl 1) "Inspection report states stain noted at west side of living room. Recommend replacing toilet wax ring as there is evidence of a leak in sub floor."

XXXXX

XXX-XXXXX

RID1944

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID1945

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Defective: The door to the garage from the house is not a fire rated door. Recommend adding a fire rated door for safety by a qualified door contractor."

XXXXX

XXX-XXXXX

RID1946

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Porch/Xxxxxx, Exterior Surface - Side trim, Garage - Overhead doors, pedestrian door to house, Electrical - smoke detector, Kitchen - stove, dishwasher, and Bathroom - electrical switches, GFCI protection."

XXXXX

XXX-XXXXX

RID1950

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID1956

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report notes an automatic door closer between the house and garage, smoke detectors needed, reversed wiring in some outlets, and a gas leak under counter top burners."

XXXXX

XXX-XXXXX

RID1957

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID1959

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID1962

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID1963

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID1970

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID1975

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID1981

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Recommended: Patio= GFCI protected as is required, installation by a licensed electrician. Electrical= Carbon Monoxide detectors installation; XX/XX/XXXX law. ARC fault breakers by Square D in sub panel have been recalled. XXXI. One or more double taps noted in main electrical panel. Water Heater= Temperature pressure relief valve extension pipe; constructed of approved material such as CPBVC or xxxxxx. Fireplaces Gas= Evaluation/ repairs. Master Bathroom= Acccess panel, GFCI outlet (also, Outside Pool Bath). Mstr Bd & Bdrm #4 NW= Glass & Doors."

XXXXX

XXX-XXXXX

RID1983

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspections shows these issues are defective: Patio, flashing/valleys, gutters/down spouts, chimney, Exterior Surface - electrical outlets, exterior lighting, Garage -exterior doors, foundation, overhead garage doors, exterior pedestrian door, Attic - Insulation, electrical, Electrical - panel, smoke detectors, Water heater, Laundry room - dryer vents, Heating - operation, cooling, Kitchen - exhaust fan, stove top oven, dishwasher, Hallway bathroom - walls, GFCI check, and Master bathroom - GFCI check, sink faucet, tile enclosure, exhaust fan."

XXXXX

XXX-XXXXX

RID1985

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Credit score does not meet guidelines (Lvl 1)     "Although the HomeBuyer Program Requirements require a minimum credit score of XXX; they also require an Approved Unison Exception for a score under 680.  The selected middle score is XXX from the Credit Report dated XX/XX/XXXX  and the file does not document an exception was approved."
* Hazard Insurance (Lvl 1)     "The evidence of insurance in the file is a temporary contract with an expiration dated of  XX/XX/XXXX and no evidence of premium payment or permanent coverage was found in the file."
* Property Issues indicated (Lvl 1)     "A Deferred Maintenance Addendum was required to be executed at closing to address the following issues identified in the Property Inspection Report dated  XX/XX/XXXX
• Patio Cover has wood rot and termite damage present. The paint was in very bad condition. Recommend further evaluation by a qualified contractor and repair as necessary.
• Condition of Roof Covering Material: Damage and deterioration were present. The roof covering material appears to be at or near the end of its useful life. Replacement may be needed. Recommend further evaluation by a qualified roofing contractor and repair as necessary. Evidence of Leaks on Interior of Attic: Some moisture staining was noted on the underside of the roof decking or rafters. The inspector was unable to determine if roof leaks have been repaired. Recommend verifying that the roof system does not leak.
• Overhead Door and Hardware Condition: Termite damage was present. Recommend farther evaluation by a qualified contractor and repair as necessary."

XXXXX

XXX-XXXXX

RID1990

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states that the following items are in need of repair/replacement--missing shingles, missing handrails in rear yard, missing rear walkway, and missing front entry as well."

XXXXX

XXX-XXXXX

RID1993

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID1994

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "XXXX Fund III - Revised Investment Guidelines allows for only score to be used."
* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of repair/replacement--grading/draining in need of eval and repairs, driveway concrete and brick in need of repairs as well as walks and steps, decks/balcony in need of repairs, flashings/valleys in need of repairs, gutters and down spouts in need of repairs, siding/trim ext faucets and lighting all in need of repairs, windows and ext doors as well, garage door and door to home from garage in need of repairs, attic electrical in need of repairs, electrical panel in need of labeling and eval, plumbing and water heater in need of repairs, dryer vents in need of repairs, heating system may need replaced, fireplace in dining area and living room in need of repairs, half bath and master bath in need of repairs, and stairs/railing and hall in need of repairs."

XXXXX

XXX-XXXXX

RID1999

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2004

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2005

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2008

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: Roofing, Chimney, Exterior Surface - Electrical GFCI, Garage pedestrian door to house, Electrical - Panel, GFCI, water heater, Kitchen - GFCI protection, Hall Bathroom - tub/shower, Bedroom1 - closet, - and Bedroom2 - closet."

XXXXX

XXX-XXXXX

RID2010

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Defective: Garage / Carport= Limited accessibility, Venting due to gas fired appliances (vents obstructed). Garage Door to house= Needs to be self closing and latching. Electrical / Attic= Junction box missing , all branch circuits are required to be labeled."

XXXXX

XXX-XXXXX

RID2012

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Per the inspection report, there is minor debris in the valley. Gutters have debris present. Xxxx is present in the chimney and there is a hole present in the step flashing. The siding joint in front of property to the south has missing, cracked caulk. Siding is loose at the front of the home. Lower part of siding on the south side of home has moisture and paint chipping. There are no earthquake straps present. The exhaust fan/heater switch in the hall has a broken knob."

XXXXX

XXX-XXXXX

RID2021

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of repair/replacement--electrical bonding/grounding has corrosion and blackening copper wire and should be evaluated and repaired, kitchen outlets in need of GFCI protection, basement in need of GFCI protection on outlets and exhaust fan does not work and exterior vent is sun damaged, and powder room in need of GFCI protected outlets."

XXXXX

XXX-XXXXX

RID2022

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property value and predominant value vary by more than x% (Lvl 1) "Original Appraised Value is $xxx. Predominant Value is $xxx. The Low Value is $xxxand the High Value is $xxx"

XXXXX

XXX-XXXXX

RID2023

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows the following are defective: gutter/down spouts, Exterior surface - side trim, electrical outlets, lighting, Garage doors, water heater, Laundry room - tub, Heating Distribution - thermostat, Kitchen - GFCI, dishwasher, 1st Floor bedroom - GFCI protection, toilet, and Master Bathroom - GFCI protection. xxx QC: A Deferred Maintenance Addendum was not required at closing."

XXXXX

XXX-XXXXX

RID2030

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection in file dated xxxstates the following are in need or repair/replacment or evaluation--grading on north section to be evaluated for better drainage, rock steps outside to be replaced per safety issue, bricks on porch to be replaced, deck to be evaluated to see if replacement is needed in some areas, bricks in retaining wall to be replaced, roofer to come clean flashing between siding and roof, downspouts loose and detached and emptying at flat areas next to house, chimney eval to be completed and cleaned, front door repair/replace, mold possible in attic-contact abatement contractor for eval etc."

XXXXX

XXX-XXXXX

RID2033

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: decks/balcony, Exterior Surface - electrical, Kitchen - GFCI protection, and Bathroom - GFCI protection."

XXXXX

XXX-XXXXX

RID2040

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Electrical, side trim, plumbing, deck anchors, windows and door frame, basement/crawl space, breakers, and ceilings/floors."

XXXXX

XXX-XXXXX

RID2045

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2046

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2052

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2057

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2059

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection report in file states the following items are in need of repair/replacement--deck has deterioration and loose railings and separation around rails, and overhead garage doors were not operational the day of inspection."

XXXXX

XXX-XXXXX

RID2060

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement."

XXXXX

XXX-XXXXX

RID2062

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2068

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: grading/drainage, decks/balcony, flashings/valley, and gutter/down spouts."

XXXXX

XXX-XXXXX

RID2070

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: driveway, sidewalks, and outside receptacle."

XXXXX

XXX-XXXXX

RID2073

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective, and repair/replacement is recommended to the subject property."

XXXXX

XXX-XXXXX

RID2080

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states the paint was deteriorated on the wood siding near the base of the chimney, and the xxxxxx xxxxx siding was deteriorated above the roofline."

XXXXX

XXX-XXXXX

RID2083

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2089

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

2: Acceptable with Warnings

* Missing legal documents for senior or subordinate lien (Lvl 2) "The Appraisals in the file report the property type as a Detached PUD with monthly XXX xxxx assessed. The Lender's closing instructions did not require an executed PUD Rider to the Security Instrument and one was not executed at closing. The Client has advised that the PUD Rider request cannot be satisfied."

XXXXX

XXX-XXXXX

RID2092

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2105

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2114

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2117

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "National Property Inspection shows the following requires Repair/Replacement: Overhead garage door, smoke detectors, Kitchen sink/faucet."

XXXXX

XXX-XXXXX

RID2118

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2119

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report deems these items as defective: Overhead garage doors, and water heater."

XXXXX

XXX-XXXXX

RID2124

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2133

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2134

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these items are a safety issue or require repair/replace: Roof, roof flashing, electric service, water heater, pool/spa, plumbing, Kitchen - range, Family Room - carpet, and Bathrooms - toilet, sink, tub."

XXXXX

XXX-XXXXX

RID2138

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "National Property Inspection shows these items need Repair/Replacement: Decks/Balcony, Attic - electrical, Electrical - smoke detectors, and stairs/railings."

XXXXX

XXX-XXXXX

RID2140

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

2: Acceptable with Warnings

* Loan Does Not Meet Originator Guidelines (Lvl 2)     "Documentation provided for this review did not include the required Flood Insurance coverage.

QC Comment:  Requested flood insurance documentation on xxx.  Client unable to clear.  Finding downgraded from 3 to 4.

09/24/2021:  Client is comfortable with upgrading missing evidence of flood insurance at origination finding from 4 to 2 with a warning that there was no evidence of flood insurance at origination.  Proof of flood insurance recently requested from the homeowner and xt."

XXXXX

XXX-XXXXX

RID2142

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2146

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

2: Acceptable with Warnings

* Loan Does Not Meet Originator Guidelines (Lvl 2) "XX/XX/XXXX: Unable to clear missing flood insurance documentation. Reviewer grade changed from 3 to 4

09/24/2021: Client is comfortable with upgrading missing evidence of flood insurance at origination finding from 4 to 2 with a warning that there was no evidence of flood insurance at origination. Proof of flood insurance recently requested from the homeowner and XXX."

* Property Issues indicated (Lvl 1) "The property inspection report indicates kitchen unit #1, bathroom unit #1, and stairs/railings are defective and repairs/replacement are recommended."

XXXXX

XXX-XXXXX

RID2149

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2154

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates repair/replacement recommended on the garage entry door, four cracked or broken roof tiles, patio roof, roof drainage system, safety valve relief valve extention pipe on the water heater, and floor guide on the closet door."

XXXXX

XXX-XXXXX

RID2159

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Bathroom2 - sink, Electrical."

XXXXX

XXX-XXXXX

RID2160

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2164

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "score for B2 not provided on credit, used score for B1 only."
* Property Issues indicated (Lvl 1) "Inspection report in file dated XXX states several areas to be repaired such as driveway, walk/steps, patio,roof and flashings, install of gutters and downspouts, siding and trim. Electrical grounding in need of eval/repair, as well as outlets inside and outside and toilets loose and need repaired."

XXXXX

XXX-XXXXX

RID2165

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates the electrical system is defective and repair/replacement is recommended."

XXXXX

XXX-XXXXX

RID2167

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states erosion was observed at the front, left of the house, which is possible indication that the gutter is overflowing. The grade is high on the foundation/siding at the front of the house. Water staining was observed at the interior of the basement door."

XXXXX

XXX-XXXXX

RID2169

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2171

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "Per the inspection report, the patio entry door does not function properly. Weather stripping is damaged. The doorknobs are loose on door and the dead bolt is difficult to operate.The furnace filters need to be replaced. There is evidence of water entry or damage to the basement, and stains are noted on the ceiling. There are burn marks, soot, and debris at the top of the water heater and indicates gas spillage. Leakage has occurred on the underside of the tank. There is damage to the circuit. There are unsafe conditions present in the attic including exposed wiring. Closet doors do not function properly."

XXXXX

XXX-XXXXX

RID2172

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."

XXXXX

XXX-XXXXX

RID2173

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issue require repair/replace: Carbon monoxide detectors."

XXXXX

XXX-XXXXX

RID2174

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2177

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2188

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Investor [3]

Refinance

2: Acceptable with Warnings

* Occupancy- Potential Occupancy Misrepresentation (Lvl 2) "The initial application indicates the Applicant resides at the subject property. The file income and asset documentation and a monthly mortgage statement for other real estate indicate the Applicant/Owner resides at another property on XXXX. There is no documentation in the file to support others reside at or pay the mortgage for the other property superior in value to the subject property. The Guidelines may allow financing for investment properties but the file does not contain an underwriting approval or exception for a NOO property.

10/06/2021: Per Unison: The Investment Manager is permitted to make exceptions, without the Limited Partner’ s consent, to occupancy, credit score and bankruptcy/foreclosure guidelines as long as the exceptions are compensated by mitigating factors in the reasonable judgment of the Investment Manager. The deal had a strong profile when it was underwritten (CLTV at origination was only 41% and FICO was 736) and therefore should meet the mitigating factors criteria."

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2189

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2194

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states observed some lifting shingles at front of house."

XXXXX

XXX-XXXXX

RID2197

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "A Deferred Maintenance Addendum was required to be executed at closing to address the following issues identified in the Property Inspection Report dated 9/6/2018:
• Recommend front side erosion area and water ponding area be backfilled with topsoil and splash blocks be added for proper drainage.
• Improper duct was being used at dryer. Plastic dryer ducts are a fire hazard.
• Active leak noted right bathroom under sink and Faucet at kitchen sink.
• Evidence of previous leaks Recommend monitoring for future leaks and further testing for mold by a Mold Remediation Specialist.
• Water heaters have a life span of ten to twelve years, Unit was functional and supplied hot water, but was rated marginal due to its age of 35 years."

XXXXX

XXX-XXXXX

RID2199

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "Property Inspection Report notes the pedestrian door into the dwelling from the garage is required to be fire rated, self closing and latching. This door does not perform this functionality. It is recommend this be repaired by a qualified contractor.

Significant damage to the masonry section of the fence. Repair by a qualified contractor is recommended."

XXXXX

XXX-XXXXX

RID2204

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: driveway, xxxxx/soffits/fascias, exterior electrical, garage ceiling, occupant door from garage."

XXXXX

XXX-XXXXX

RID2208

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2215

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2217

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2218

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states there are miscellaneous electrical issues that are in need of evaluation by a qualified electrician with repairs made as necessary. A visual inspection has revealed evidence of apparent undesirable insect activity in the crawl space."

XXXXX

XXX-XXXXX

RID2222

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report recommends repair to the chimney and electrical outlets."

XXXXX

XXX-XXXXX

RID2223

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2225

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2231

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2232

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states there are several defective areas with the subject property."
* Property value and predominant value vary by more than X% (Lvl 1) "Original Appraisal Value is $XXX Predominant Value is $XXX. The Low Value is $XXXand the High Value is $XXXX

XXXXX

XXX-XXXXX

RID2235

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."
* Property Issues indicated (Lvl 1) "Inspection report states the siding/trim was deteriorated in many areas, and the paint was chipped/missing."

XXXXX

XXX-XXXXX

RID2238

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of repair/replacement--patio defective due to settlement, negative slope and loose stair treads, retaining wall in front is leaning and being held with stone, exterior faucets, electrical outlets and lighting in need or repairs, windows rotted and leaking, water heater improper TPR extension, cooling unit in need of replacement, kitchen needs GFCI outlet protection, basement bathroom sink and faucet unsecured and shower pan is leaking, first floor bathroom window and trim and tile in need of repairs, master bathroom window and trim and floor and electrical all in need of repair, second floor bathroom tub/shower and water pressure in need of repairs, office electrical per ungrounded outlet, bedroom 1 window/trim has leak, music room window/trim has leak, basement ceilings moisture and mold substance, and living room windows/trim has leaks."

XXXXX

XXX-XXXXX

RID2240

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates reports to the Garage pedestrian door into House, Family room and Living room."

XXXXX

XXX-XXXXX

RID2244

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states observed water damage to wood window xxxxx on the South and East sides, xxxxx warping and pulling away from window frames. Damage also noted below windows on the East wall, 1st floor."

XXXXX

XXX-XXXXX

RID2253

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--driveway needs cracks filled, roofing in need of repairs, chimney in need of repairs, siding/trim/faucets and lighting on exterior in need or repairs, windows in need of repair, garage floors and roof in need of repairs as well as overhead garage door, floor slab in basement in need of repairs and crawl space, electrical panel and sub panel and branch circuits in need of repairs, plumbing supply and drains in need of repairs, water heater, kitchen electrical and countertops and stove in need of repairs, fireplace, hallway bathroom floor and master bathroom electrical and sink and detached garage room doors in need of repairs."

XXXXX

XXX-XXXXX

RID2255

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--settlement present on front walkway from driveway, the ledger board is separated from structure and does not have flashings, roof in need of repairs, chimney has cracks and deterioration at the crown, windows painted shut or covered in plastic and few counter balances broken and need eval/repairs, no visible check valve on sump pump discharge pipe, smoke detectors all need upgrades, entrance cable branch circuits and grounding not inspected due to panels, thermal expansion tank required for water heater, electrical stress clamp missing on power supply, kitchen electrical and stove anti-tip need repairs, master bathroom toilet, tile work and exhaust fan in need of repairs, and open side of the basement stair system unsafe and needs eval/repairs."

XXXXX

XXX-XXXXX

RID2257

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "Property inspection reports shows the following needs attention: Exterior Fences/Gates, planters, foundation, concrete foundation wall, piers and posts, crawl space, ventilation, floor and framing, floor insulation, water pipe observation, drain line observation, siding observation, xxxxx, fascia, trim, windows, roof structure, flashings, drain system, roof covering, pressure regulator, copper water pipes, galvanized water pipes, drain pipes, wall furnace observation, return air compartment and filter, ducts, Kitchen walls and windows, garbage disposal, dishwasher, Dining room windows, Laundry walls, windows, cabinets, Hallway closets, Living Rooms ceilings, windows, Front Bedroom walls, ceilings, windows, Center bedroom ceiling, doors, windows, lights, Master Bedroom windows, Sitting Room ceiling, windows, Master Bathroom ceiling, windows, cabinets, shower stall, toilet, Hallway Bathroom, floor, windows, cabinet, sink, show/tub, and covered parking required for more than 1 car."

XXXXX

XXX-XXXXX

RID2258

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states gaps noted in concrete blocks supporting rear corner of pool cage. This corner is not attached or supported. Screening is also torn in this corner. The exterior of the windows shows worn and damaged screens and damage to at least one internal window component. Damage to wood framing under rear window was also noted."

XXXXX

XXX-XXXXX

RID2259

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2261

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2262

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2264

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2266

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states laundry facilities has wall damage; washer electrically receptacle is over laundry tub which is a safety hazard. Some cracking was noted in the wall/ceiling. No specific cause of the cracking was apparent."

XXXXX

XXX-XXXXX

RID2269

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2271

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection reported noted repair replacement to the roof and electrical outlets."

XXXXX

XXX-XXXXX

RID2274

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Home Inspection shows Repairs needed to various area such as Roofing, Chimney, Exterior Patio, Garage Door, Crawl Space."

XXXXX

XXX-XXXXX

RID2881

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

2: Acceptable with Warnings

* Property Issues indicated (Lvl 2) "The Property inspection identifies many deficiencies/repairs, but urgent safety issues included:
• Plumber should install water heater temperature and pressure relief valve as it is an urgent and potentially dangerous deficiency
• Upgraded electrical service before it becomes inadequate and possible safety hazard
• Smoke detectors should be installed in all sleeping areas
• All receptacles should be upgraded with GFCI protection
• The range hood is not ducted and is grease laden and is a fire hazard
• A small unpermitted studio apartment constructed near rear of garage has insufficient emergency egress which is prohibited by all building authority jurisdictions."

XXXXX

XXX-XXXXX

RID2287

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2289

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2290

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2296

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Water heater has the discharge tube missing.
Outdoor Faucet has a leak."

XXXXX

XXX-XXXXX

RID2297

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2304

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2306

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2307

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2311

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."
* Property Issues indicated (Lvl 1) "Inspection report states life expectancy of dimensional asphalt shingles is 17-20 years."

XXXXX

XXX-XXXXX

RID2879

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The exterior surface electrical outlet is missing in the front the weatherproof cover. The carbon monoxide detector is missing from lower levels of the house. Tiles in the shower ar missing grout in many areas."

XXXXX

XXX-XXXXX

RID2312

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2314

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."

XXXXX

XXX-XXXXX

RID2316

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states the roof ridge shingles show significant deterioration and require replacement."

XXXXX

XXX-XXXXX

RID2317

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2323

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2328

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2330

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2331

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2334

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2335

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2341

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2343

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2344

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."

XXXXX

XXX-XXXXX

RID2345

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

* Property Issues indicated (Lvl 1) "GRADING/DRAINAGE - DEFECTIVE
DRIVEWAY - DEFECTIVE
WALKS/STEPS - DEFECTIVE
PORCHES/XXXXXX - DEFECTIVE
DECKS/BALCONY - DEFECTIVE
FENCES/GATES - DEFECTIVE
ROOFING - DEFECTIVE
FLASHING/VALLEYS - DEFECTIVE
GUTTERS/DOWN SPOUTS - DEFECTIVE
CHIMNEY - DEFECTIVE
EXTERIOR SURFACE - DEFECTIVE
EXTERIOR DOORS - DEFECTIVE
GARAGE/CARPORT - DEFECTIVE
CRAWL SPACE - DEFECTIVE
WATER HEATER - DEFECTIVE
HEATING DISTRIBUTION - DEFECTIVE
BATHROOM - DEFECTIVE"

XXXXX

XXX-XXXXX

RID2347

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "National Property Inspection shows these areas are defective: Fences/Gates, Garage/Carport - flooring/walls/ceiling/electrical, pedestrian door to house, and Electrical - smoke detectors."

XXXXX

XXX-XXXXX

RID2348

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2353

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2354

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2356

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of repair/replacement--electrical panel and branch circuits in need of repair by certified electrician."

XXXXX

XXX-XXXXX

RID2357

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection on XXX indicates lack of normal voltage at the receptacle. Unable to locate GFCI for jet tub and windows above tubs need to be safety or tempered, could not confirm."

XXXXX

XXX-XXXXX

RID2361

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

* Missing Documentation (Lvl 1) "Monthly payments were excluded for Joint Mortgage accounts with XXXX and XXXXX and account statements were provided as evidence that payments were made by others for 8 and 10 months respectively. The verification to exclude the monthly mortgage obligations was deficient; the account owner is not provided on the account printout for payments made to XXXXXXXX and the Guidelines state monthly payments on a co-signed loans may be excluded from the DTI if verification of timely payments by others is provided for 12 months."

XXXXX

XXX-XXXXX

RID2363

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: gutter/down spouts, garage pedestrian door into house, plumbing, and fireplace."

XXXXX

XXX-XXXXX

RID2365

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "Per property inspection, the roof to wall flashings are missing on the play house. Xxxx seen in contact with soil at playhouse back. Doors to playhouse do not close. Railing spacing at the shed is great than 4". Missing light fixtures at playhouse. The patio has been built with its level above crawl space vents. There is cracked concrete in walkways. There is exposed wiring in garage. The toilet is loose at the floor and there is a dead outlet at window area. There are cracked tiles in the kitchen floor. Seal loss present on windows and no smoke detectors exist in bedrooms. Mold present on walls and no railings exist at shed attic area. There is loose and dangling electrical wiring in crawlspace."

XXXXX

XXX-XXXXX

RID2376

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates several items that repair or replacement is recommended, with the most serious being unsafe opening at stairs to the basement."

XXXXX

XXX-XXXXX

RID2378

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2380

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2381

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--garage door into home needs self-closing hinges and tight weather stripping."

XXXXX

XXX-XXXXX

RID2382

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--garage door auto reverse inoperable, bedrooms need smoke alarms, hall bathroom missing vanity door, and swimming pool bonding wire not connected."

XXXXX

XXX-XXXXX

RID2384

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2388

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states signs of moisture damage present in the wood trim around the top of the chimney. There is an outlet being ran from the ac disconnect on the exterior of the home, the outlet does not have a weather cover, and appears to be improperly spliced from the ac disconnect breaker."

XXXXX

XXX-XXXXX

RID2390

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The Property Inspection Report notes the pet access door violates the fire protection this door is required to provide. We recommend further evaluation/repair/replacement by a qualified contractor. The current smoke alarm safety requirement dictates working smoke alarms are required within all sleeping rooms. Carbon monoxide detectors are required on every level of a dwelling with fueled appliances as well as dwellings with attached garages."

XXXXX

XXX-XXXXX

RID2395

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2396

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2398

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2404

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states several areas on the wood trim around the house show evidence of peeling paint, the patio cover has one wood beam that has wood rot."

XXXXX

XXX-XXXXX

RID2407

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2409

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states the AC unit is at or beyond typical design life."

XXXXX

XXX-XXXXX

RID2414

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--fences/gates leaning and loose and rust, roofing portions are missing and/or deteriorated, chimney has cracks and missing rain cap, exterior surface siding and trim has planter installed against it and can cause water intrustion and has dry rot and termite activity in the wood trim, windows missing at finished attic room and numerous screens missing etc., garage door to house is not self-closing, draft control vent-furnace flue cap missing, kitchen dishwasher in need of repair, fireplace/stoves-lack of damper clamp installed in fireplace and cracks and needs cleaned, attic conversion windows and trim need replaced, stairs to attic improperly installed and handrails not to standard."

XXXXX

XXX-XXXXX

RID2419

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2422

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2429

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The deferred maintenance agreement notes the fire ceiling has been cut through to provide access to a normally inaccessible portion of the garage attic via a pull down stairway from the garage ceiling. The existing conditions are a compromise to the safety afforded by the fire wall system."

XXXXX

XXX-XXXXX

RID2434

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

* Property Issues indicated (Lvl 1) "Property inspection shows defects.
Defective - Exterior, no threshold installed beneath the garage service door.
Defective - Electric Service, The GFI receptacle in master bathroom is dead.
Defective - Water Heater
Defective - Plumbing and laundry
Defective - Garage"

XXXXX

XXX-XXXXX

RID2437

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection report in file states the following items are in need of recommended repair/replacement--rear patio steps may be tripping hazard and not secured and stair rise is uneven with no handrail, patio is missing safety railing, flashing at sunroom is not professional and will leak, no GFCI protection in the garage area. replace old smoke detectors and ADD CO detectors, laundry room has suspected mold on ceiling above water heater, and kitchen has incorrect waste line used with cross connection dishwasher drains into garbage disposal."

XXXXX

XXX-XXXXX

RID2443

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2448

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2450

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2453

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Side trim, exterior stairs, flashings/valleys, roof, and chimney."

XXXXX

XXX-XXXXX

RID2455

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Not enough clearance for electrical box. GFCI needed in Kitchen. Railing needed for stairs."

XXXXX

XXX-XXXXX

RID2458

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2463

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Income documentation is incomplete (Lvl 1) "The initial Application executed XXX, states additional documents are required to underwrite the application, specifically required if retired, are copies of benefit letters and tax returns from the most recent 2 years. The Guidelines documentation requirements for retirement income include copies of retirement award letters for existing distribution from pension, annuities, and social security benefits with proof of continuance for a minimum of five years. The file contained the Borrower’s X-year-end Form 1099 Social Security Benefit Statement and the XForm 1040 Individual Tax Return, pages X. The Tax Return reports both income from pension and annuities and social security, but the specific sources of the income and current monthly award amount could not be determined."
* Quality of Appraisal Report Unacceptable (Lvl 1) "The Appraisal property address is inaccurate. The property address reflected on the application, insurance declarations and Option Investment Contracts is XXXXX. The Appraisal reflects Unit #12.

9/10/2021 QC: In response to the cure requested, the Audit and Client agree the appraisal photo of front of unit reflects address as Unit #2. The Client indicates a cure is not required because the correct property was appraised, but an appraiser typo was made."

XXXXX

XXX-XXXXX

RID2464

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2465

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states signs of water intrusion along foundation that flowed across the basement floor to a floor drain under the laundry tub. Monitor all exterior conditions so that the soils slope away from the foundation as well as add downspout extensions that extend into the yard a few feet away from the foundation and landscaped rock areas."

XXXXX

XXX-XXXXX

RID2466

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2467

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Exterior Surface - exterior electrical outlets, Garage - floors/ceiling/walls/electrical, and Patio Bathroom Addition - toilet."

XXXXX

XXX-XXXXX

RID2468

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2470

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states active water intrusion was noted in several areas of the crawlspace."

XXXXX

XXX-XXXXX

RID2471

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and repair/replacement is recommended to the subject property."

XXXXX

XXX-XXXXX

RID2477

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

* Property Issues indicated (Lvl 1) "Defective - Exterior lighting"

XXXXX

XXX-XXXXX

RID2485

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."
* Property Issues indicated (Lvl 1) "Inspection report states there was a hole noted in the drywall ceiling in the garage. There was one wall with wall paper removed and what appeared to be a moisture mark."

XXXXX

XXX-XXXXX

RID2486

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2488

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: overhead garage door, and electrical - panels, and smoke detectors."

XXXXX

XXX-XXXXX

RID2491

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2494

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2496

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: Roofing, Exterior - Walls, Porches/Decks/Stairs/Patio, Driveway, Electrical - and GFCI replacements."

XXXXX

XXX-XXXXX

RID2503

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2507

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Repair/Replace: Grading / Drainage= Low spot where water could get in the basement. Walks/Steps= Damaged sidewalk to stair transition. Recomment repairing to prevent water penetration and damage from frost heaving. Patio = There was some minor heaving observed ont eh patio. Not rip hazards at the time of inspectionj, but the cracks should be filled to prevent further deterioration."

XXXXX

XXX-XXXXX

RID2508

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Repair/Replace: Exterior Surface = Body of house is stucco over concrete block construction. EIFS trim in front is damaged in a few areas. Foundation settlement is suspected. Water Heater = Vent for gas water heater should always be in an upward direction. Guest Bathroom = Drain mechanism is broken. Mstr Bdrm = Floor tile is cracked and damaged at bdrm entrance."

XXXXX

XXX-XXXXX

RID2514

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2517

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2518

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection in file dated XXX stated the following repairs/issues with property-structural caulking to be completed, double key deadbolt to be replaced, roof gutter system needs connected properly, switch for garage light to be repaired by electrician, replace receptacles with missing or damaged cover plates for safety, smoke detectors and CO detectors replaced with updated ones, master bathroom outlet to be repaired for safety, plumbing interior lines not capped, sump pump to be repaired or replaced, basement light to be added at top of steps, toilet not resetting-need to repair or replace, shower valve not working-need repair or replace, loose faucet in bathroom to be repaired, kitchen does not have ground fault outlets within 6' from water source-need replaced with correct outlets, etc."

XXXXX

XXX-XXXXX

RID2524

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states Light mold/ mildewing observed on the roof deck likely from bath exhausts directed in the attic space."

XXXXX

XXX-XXXXX

RID2525

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states stains observed at skylights and dormers. Also states stains observed on the garage ceiling."

XXXXX

XXX-XXXXX

RID2526

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2527

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

2: Acceptable with Warnings

* Loan Does Not Meet Originator Guidelines (Lvl 2)     "Documentation provided for this review did not include the flood insurance policy for the subject condominium property.

09/08/2021:  QC Comment;  Client is unable to clear the missing flood insurance.  Reviewer grade changed from 3 to 4.

09/24/2021:  Client is comfortable with upgrading missing evidence of flood insurance at origination finding from 4 to 2 with a warning that there was no evidence of flood insurance at origination.  Proof of flood insurance recently requested from the homeowner X."

XXXXX

XXX-XXXXX

RID2528

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2531

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: Bathroom - Walls, Plumbing System - and Hot water heater, controls, chimney, flues, and vents."

XXXXX

XXX-XXXXX

RID2533

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The Lender’s Closing Instructions, Schedule of Debts to be Paid, and Bank Tape comments indicate proceeds iao $XXX were held pending repair of holes in the kitchen and a bathroom. The Guidelines state escrow hold backs are required to be disbursed and a certification of completion issued prior to funding by Unison. XXXX QC: Requesting the missing completion cert.

QC 9/14/2021: Received Lender's verification of escrow hold back work completed. Provided verification is an Contractor Invoice for work completed in kitchen and bathroom. Noted that no photos are provided and Invoice is not on company letterhead."
* Property value and predominant value vary by more than X% (Lvl 1) "Variations in the property value and predominant value were not considered in this review.XXXXQC: The Appraiser comments that the estimated land value exceeds X% of the value; however, the land to value ratio is due to positive locational factors and does not have an adverse impact on the subject’s value or marketability."

XXXXX

XXX-XXXXX

RID2538

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2885

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2541

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2542

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2546

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Exterior doors, interior foundation, and Basement - walls, floors."

XXXXX

XXX-XXXXX

RID2547

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states Soffit in front is deteriorating from moisture. Improper support in crawl space. The crawl space area was a dirt floor only. A vapor/moisture barrier should be installed to reduce the multiple negative effects of excessive moisture in the home. Concrete floor in the other crawl space has settlement present, and is hollow under the area where the settlement occurred."
* Property value and predominant value vary by more than X% (Lvl 1) "Original Appraisal Value is $XXX. Predominant Value is $XXX. Thew Low Value is $XXX and the High Value is $XXX

XXXXX

XXX-XXXXX

RID2548

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2549

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection shows Missing Handrail for stairs."

XXXXX

XXX-XXXXX

RID2561

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2565

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

2: Acceptable with Warnings

* Credit Report expired (Lvl 2) "The Lender guidelines indicate all credit docs must be no older than 90 days from the Note date. The Unison Security Agreement and Homeowner Agreement Contracts are dated 2/8/2019 and executed by the Borrower on 2/12/2019; the Credit Report dated 11/1/2018 is expired at 99 days from the closing document dates."

XXXXX

XXX-XXXXX

RID2567

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection report in files states the following items are in need of recommended repair/replacement--deck in need of eval from licensed contractor, roof has multiple broken or missing shingles, gutters and down spouts filled with debris and trim trees, chimney severe water damage and flue exhausts into a lot of tree limbs, electrical service drop over front yard is too low-missing knock out in electrical panel and losse outlet under master bedroom window, hvac contractor to service and eval, fireplace be cleaned before use."

XXXXX

XXX-XXXXX

RID2569

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Balcony, overhead garage door, receptacle, water heater, sinks, tubs/showers, Interior - Doors, stairs, cabinets."

XXXXX

XXX-XXXXX

RID2570

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2574

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Per the inspection report- the electric eyes for reverse function were not installed properly. The garage door leading to house does not have auto closure device installed. One carbon dioxide detector in upper level, these are required in the state of XXXX within 15 feet of the entrance to any bedroom in every home. There is no ladder present in window."

XXXXX

XXX-XXXXX

RID2888

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2576

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates repair/replacement is recommended on the fences/gates, roofing, and gutter/down spouts"

XXXXX

XXX-XXXXX

RID2580

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2584

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require upgrade: plumbing, and main gas valve."

XXXXX

XXX-XXXXX

RID2585

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2588

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

2: Acceptable with Warnings

* Completed "Subject To" w/o Compltn Cert in File (Lvl 2) "The subject Appraisal dated indicates an opinion of market value of $XXXX, that is subject to completion of the master bathroom remodeling. There is no evidence in the file that an Appraiser’s certification of completion, 442 Form, was issued prior to or post funding by Unison. A cost to cure is not provided by the Appraiser. The Lender approved the new financing for a maximum LTV of 60%.

QC Comments- Missing Certification of bathroom remodel mentioned in Appraisal.

9/9/2021: The Client returned comments indicate unable to provide the missing inspection or completion certificate.

09/30/2021: Photos from the homeowner of the completion of the bathroom remodel are uploaded to Exavault as well as the email from the homeowner. No certificate of completion, but visual proof that it was done"

XXXXX

XXX-XXXXX

RID2597

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2601

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property value and predominant value vary by more than XX% (Lvl 1)

XXXXX

XXX-XXXXX

RID2611

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states there is possible evidence of wood destroying organisms, which is not uncommon. There are leaks in the family room and hallway as seen through the infrared camera."

XXXXX

XXX-XXXXX

RID2612

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2626

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states stains observed on ceiling. Possible previous and/or present leak."

XXXXX

XXX-XXXXX

RID2628

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2629

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2639

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection states active roof leak present. Also corrosion present on exterior door, active leak on water heater and damp grout at base of toilet."

XXXXX

XXX-XXXXX

RID2643

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2646

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2647

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of repair/replacement--kitchen dishwasher is leaking aroung the seal."

XXXXX

XXX-XXXXX

RID2650

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Per the inspection on page 5, the smoke detectors were old and there are no carbon monoxide detectors."
* Property value and predominant value vary by more than X% (Lvl 1) "Per page 3 of the appraisal, the predominant value reflects $X and the appraised value on pageX reflects $X

XXXXX

XXX-XXXXX

RID2651

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection report in file states the following items are in need of recommended repair/replacement--walk/steps have settled and in need of repair for safety, flashings/valleys both rubber seals have deteriorated and can leak, chimney has cracks at the top in need of repair, garage window missing and needs replaced, multiple outlets in need of covers, overhead garage door weather stripping loose, attic leak around plumbing vent, and smoke detectors to be installed."

XXXXX

XXX-XXXXX

RID2654

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: Grading/drainage, Patio, Fences/Gates, Roofing, Flashings/Valleys, Gutters/down spouts, Exterior Surface - siding/trim, Attic - framing/sheathing, ventilation, electrical, Sump/Sump Pump, and Electrical - service, panel, branch circuits, smoke and carbon monoxide detectors."

XXXXX

XXX-XXXXX

RID2891

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."

XXXXX

XXX-XXXXX

RID2657

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following item are in need of repair/replacement--the concrete tile roofing has several items defective and in need of repairs, the roof flashings need eval and repairs as well, the front sidewalk drain line is damaged and needs replaced, and there is a settlement crack that runs north to south in master and hallway flooring which is lifting up and needs eval and repairs."

XXXXX

XXX-XXXXX

RID2658

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2659

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2661

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states most of the gutter downspouts are plugged with debris, so the gutters are full of water."

XXXXX

XXX-XXXXX

RID2664

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Balcony/decks, fences/gates, chimney, internal pedestrian door, Attic - ventilation, electrical, floor/slab, Electrical - panel, smoke detectors, water heater, Laundry - dryer vents, draft control vents, heating distribution, Kitchen - Electrical, GFCI protection, stove, Master Bedroom - outlets, tub/shower, tile, and Hallway Bath - tub/shower, tile."

XXXXX

XXX-XXXXX

RID2667

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2668

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2674

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per XXX co borrower credit report is not required."

XXXXX

XXX-XXXXX

RID2679

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2680

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per XXX co borrower credit report is not required."
* Property Issues indicated (Lvl 1) "Inspection report states the rain cap has significant rust. Replace the damage ceramic fire shield for safety."

XXXXX

XXX-XXXXX

RID2692

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--vegetation growing against structure to be trimmed back, holes present at N side of home, cracked or missing caulk at front pillar, cracked or missing caulk present throughout exterior windows and slider door, both pressure and motion sensors not functioning at time of inspection, xxxx growth present on roof, flashings lifted at front of home, crack present at garage foundation,flashing at return plenum is detached, cracked or missing grout in sink, popped nail heads and wall cracks in master bedroom, crack at upper foyer wall above kitchen entry, and cracked or missing caulk at master bed and NW bed windows."

XXXXX

XXX-XXXXX

RID2693

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection in file states the following items are in need of repair/replacement--exterior siding/trim needs repaired, electrical breaker panel and sub panel in need of repair, and air conditioner in need of repair."

XXXXX

XXX-XXXXX

RID2694

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states the yard slopes towards the house on the back side, soffit/fascia has flaking paint, recommend have a complete gutter and down spout system installed to promote proper roof and site drainage. There is also no moisture intrusion from the foundation on the west side."

XXXXX

XXX-XXXXX

RID2695

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection report in file states the following items are in need of repair/replacement--kitchen garbage disposal not working and in need of repair."

XXXXX

XXX-XXXXX

RID2697

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Completed "Subject To" w/o Compltn Cert in File (Lvl 1)
* Property Issues indicated (Lvl 1) "Inspection report states deteriorated or lifting floor boards on thew rap around porch will require repair or replacement for safety. The gazebo roof should be reinforced and the chimney repaired. All wood surfaces will require paint where peeling. The corner trim on the front porch is loose and falling off. All wood siding and trim will require paint where peeling to reduce further deterioration. There are dry water stains on the ceiling that will require repair."

XXXXX

XXX-XXXXX

RID2702

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues are defective: Exterior brick, Kitchen - dishwasher, and Half bathroom - Electrical."

XXXXX

XXX-XXXXX

RID2704

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2707

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Gutter/Downspouts defective. Gutter seams are leaking from corners and will lead to deterioration over time."

XXXXX

XXX-XXXXX

RID2708

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per XXX co borrower credit report is not required."

XXXXX

XXX-XXXXX

RID2710

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2713

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2714

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "okay to only use b1 credit score per guidelines for XXXX/XXX only B1 score is needed."
* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--exterior siding/trim, and exterior doors."

XXXXX

XXX-XXXXX

RID2715

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of repair/replacement--rear upper deck missing hardware, ext faucets and electrical in need of repairs or updates to GFCI protected outlets, external ped door is hollow core installation and should be upgraded, manual emergency jamb reverse inoperable, electrical branch circuits in need of repairs etc. plumbing in need of eval per water pressure too high, water heater size insufficient for size of home, anchor straps on cooling system missing, kitchen needs GFCI protected outlets and some outlets through the home in need of updating, and stair balusters are more than 4 inches apart which is not to standard."
* Property value and predominant value vary by more than 50% (Lvl 1) "used amount from appraisal"

XXXXX

XXX-XXXXX

RID2716

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states downspout were discharging close to the foundation walls. Downspout noted from upper roof discharging onto lower roof."

XXXXX

XXX-XXXXX

RID2719

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "File review completed. No issues identified"

XXXXX

XXX-XXXXX

RID2724

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2726

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Unavailable

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates repairs or replacement on multiple areas of the residence."

XXXXX

XXX-XXXXX

RID2727

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2735

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "XXXX Fund III - Revised Investment Guidelines allows for only one score to be used."
* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--front porch flagstones not secure, all exterior outlets missing weather proof covers, garage door to home needs self-closing hinges, screen on dryer vent and should remove and have damper installed, garbage disposal not funstioning properly and leaks, and master bedrrom light bulb exposed."

XXXXX

XXX-XXXXX

RID2738

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Garage Pedestrian Door into House = Hinge on the door from the house to garage is not adjustable. Required to be self closing. Fire spread prevention Door required."

XXXXX

XXX-XXXXX

RID2744

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2753

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report recommended repairs to the wood fence on the left side of the house, the garage fire door is not self-closing and considered a safety hazard, no carbon monoxide detectors, and smoke detectors in the bedrooms for additional safety. The water heater is not properly strapped as is required by current building codes."

XXXXX

XXX-XXXXX

RID2755

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: Gutter/down spouts, overhead garage doors, Kitchen - water pressure/flow/drainage, and Guest Bedroom - walls, interior doors, tub/shower."

XXXXX

XXX-XXXXX

RID2758

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "Per inspection report states a 20 year roof in Florida normally lasts between 12 and 15 years. Roof has loose granules and was too dangerous to walk on. There are leak marks on the ceiling, however, there was no moisture present at time of inspection."

XXXXX

XXX-XXXXX

RID2759

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: Attic - ventilation, and Electrical - panel, smoke detectors."

XXXXX

XXX-XXXXX

RID2761

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "XXXX/Unison does not require credit score to use for B2, okay to only use for B1."
* Property Issues indicated (Lvl 1) "inspection in the file states the following items are in need of recommended repair/replacement--gate on back deck and seal for back deck, screw on attic pull is missing, patio door and weather stripping is damaged and needs replaced, roof shingles above garage has 3-5 loose that need repaired, heating equipment needs inspected by qualified hvac person, master bath sheetrock moisture damage, sealant at floor and bath tub deteriorated or weak and need repaired."

XXXXX

XXX-XXXXX

RID2762

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2765

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2767

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2771

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

XXXXX

XXX-XXXXX

RID2774

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2778

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2788

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2795

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Repair mechanical damage to the stucco siding product primarily on the eve on the left side of the structure."

XXXXX

XXX-XXXXX

RID2798

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states the wood fascia board surrounding the deck has dry rot and deterioration."

XXXXX

XXX-XXXXX

RID2801

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that require repair/replacement with the subject property."

XXXXX

XXX-XXXXX

RID2803

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Property Inspection stated missing downspout close to foundation and door between house and garage needs to be an automatic door for fire safety."

XXXXX

XXX-XXXXX

RID2804

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following is in need of repair/replacement--soffit and fascia wood open seams should be sealed, ext trim and windows serviced by qualified person."

XXXXX

XXX-XXXXX

RID2805

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection report in the file states that the following items are in need of recommended repairs/replacement--exterior structure needs caulking, soffit areas needs repairs, fascia boards/trim needs replaced, exterior siding needs repaired, stucco on house needs repaired, roof gutters/downspouts in need of cleaning and maintenance and ridges need repaired, attic had leaks-in need of repair, roof vent boots need of repair, patio concrete slab in need of repair as well as patio cover, electrical throughout the house needs evaluated and repaired where needed, laundry area electrical mounted improperly, bathroom floor needs replaced and grout has deteriorated, closet doors in all 3 guest bedrooms are missing, etc."

XXXXX

XXX-XXXXX

RID2815

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2816

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Credit score not provided (Lvl 1) "Per Unison co borrower credit report is not required."

XXXXX

XXX-XXXXX

RID2817

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

* Property Issues indicated (Lvl 1) "A Deferred Maintenance Addendum was required to be executed at closing to address the following Property Inspection Report identified issues:
• Furnace is very old (Approx. 31 years) and has far exceeded its expected service lifetime. The heat exchanger is most likely deteriorated. This condition could permit combustion gases to enter living space of home which is considered a health/safety hazard. An HVAC contractor should replace the furnace.
• Chimney flashing is not properly installed at base of chimney (tarred) and water will most likely penetrate into attic area if not corrected. A qualified chimney contractor should further evaluate, and repair as needed."

XXXXX

XXX-XXXXX

RID2818

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: air conditioning, plumbing, and Interior stairs."

XXXXX

XXX-XXXXX

RID2821

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2830

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Repair/Replace: Gutters/Down Spouts= Missing extensions at downspouts. Recommend installing downspout extensions to diver water 4 to 6 feet away from the foundation. Overhead Garage Doors= Sensitivity adjustment that controls the amount of resistance it takes for the door to reverse direction. The door did not reverse direction by hand. Evaluation/repair by qualified contractor(s)."

XXXXX

XXX-XXXXX

RID2832

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Purchase

1: Acceptable

XXXXX

XXX-XXXXX

RID2837

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2894

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Debt Consolidation

1: Acceptable

* Property Issues indicated (Lvl 1) "Repairs: Recommend further evaluation/repair by a licensed qualified contractor (Siding to dirt contact at front of house). Recommend further evaluation/repair by a licensed electrician (Missing panel cover knockout plugs. Panel cover not removed)."

XXXXX

XXX-XXXXX

RID2838

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "Inspection report states water staining noted on the ceiling. Area appeared to be dry. Horizontal cracking present in the rear of the foundation."

XXXXX

XXX-XXXXX

RID2844

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Not Applicable

1: Acceptable

XXXXX

XXX-XXXXX

RID2845

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2848

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Other

1: Acceptable

XXXXX

XXX-XXXXX

RID2852

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The property inspection report indicates multiple areas that are defective and would require repair/replacement on the subject property."

XXXXX

XXX-XXXXX

RID2855

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "The National Property Inspection Report shows these issues require repair/replace: bathroom - grout, Bedroom - door jam, Kitchen - dishwasher, and roof."

XXXXX

XXX-XXXXX

RID2859

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

* Property Issues indicated (Lvl 1) "inspection in file states the following items are in need of recommended repair/replacement--driveway slopes towards garage and has cracking and deterioration present, decks and balconies have deterioration by master bedroom, broken or damaged hardware around the gates and portion of fence is loose, gutters and downspouts have debris in them, wood rot present in the ext frame of door to the balcony, garage has evidence of possible pest intrusion and water on interior framing of overhead doors, the outlet in the sump pump closet is missing the cover, water staining on ceiling in several areas, the exhaust for the water heater discharges under the deck, hall bathroom electrical and toilet in need of repairs, and master bedroom fan is out of balance."

XXXXX

XXX-XXXXX

RID2863

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

XXXXX

XXX-XXXXX

RID2866

XXX XXX XXXXX

XXXXXX

$XX,XXX

XX/XX/XXXX

Primary [1]

Refinance

1: Acceptable

Document Metadata

Recovco ID Loan #1 Loan # Loan #3 Project Name Pool State Option Agreement Amount Option Agreement Date Occupancy Lien Level Purpose Overall Grade Guideline Grade Grade 4 Exceptions (Reject / Non-curable) Grade 3 Exceptions (Conditions / Curable)...

Document Metadata