.6 Schedule 3
| Marketing ID | Loan ID | Seller Loan ID | Investor Loan ID | Overall Initial Loan Grade | Overall Final Loan Grade | Credit Initial Loan Grade | Credit Current/Final Loan Grade | Compliance Initial Loan Grade | Compliance Current/Final Loan Grade | Property Initial Loan Grade | Property Current/Final Loan Grade | Queue | Finding Code | Date Created | Date Modified | Finding Status | Event Level | Initial Finding Grade | Current/Final Finding Grade | Finding Category | Finding Sub Category | Finding Name | Finding Comments | Seller Comments | Resolution Comments | Reviewer Comp Factor | Originator Comp Factors | Finding Documents | Originator QM Status | Final Reviewed QM Status | Loan Amount | Property State | Occupancy | Loan Purpose | Refinance Purpose | Acknowledged / WaivedBy | Waiver in File? | Unique Finding ID |
| 848 | XX | XX | D | B | D | B | A | A | A | A | Closed | FCRE7497 | 2025-10-22 20:11 | 2025-10-24 16:12 | Resolved | 1 - Information | D | A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved- - Due Diligence
Vendor-10/24/2025 Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/23/2025 Open-Missing verification of taxes non-subject property XX - Due Diligence Vendor-10/23/2025 |
Ready for Review-Document
Uploaded. Hello, please see attached, thank you - Seller-10/23/2025 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 8.34 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.72 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | CA | Investment | Refinance | Cash Out - Other | N/A | N/A | XX | |||
| 848 | XX | XX | D | B | D | B | A | A | A | A | Closed | FCRE1195 | 2025-10-22 20:47 | 2025-10-24 16:12 | Waived | 2 - Non-Material | C | B | Credit | Eligibility | Audited CLTV Exceeds Guideline CLTV | Waived-Exception granted
with supporting comp factors: Exception for Audited CLTV 80% granted. - Due
Diligence Vendor-10/24/2025 Ready for Review-Document Uploaded. Hello, please see attached, thank you - Seller-10/23/2025 Open-Audited CLTV of 80% exceeds Guideline CLTV of 75% & no exception found - Due Diligence Vendor-10/23/2025 |
Ready for Review-Document
Uploaded. Hello, please see attached, thank you - Seller-10/23/2025 |
Waived-Exception granted
with supporting comp factors: Exception for Audited CLTV 80% granted. - Due
Diligence Vendor-10/24/2025 |
Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job
Time Of Five (5) Or More Years At Current Job - 8.34 Years Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 83.72 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 24.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |
CALCULATED DTI IS LESS THAN
THE GUIDELINE MAXIMUM BY FIVE PERCENT (5%) OR MORE MONTHS RESERVES ARE GREATER THAN THE GUIDELINE MINIMUM BY SIX (6) OR MORE MONTHS BORROWER 1 HAS STABLE JOB TIME OF FIVE (5) OR MORE YEARS AT CURRENT JOB |
XX | ATR/QM: Not Applicable | ATR/QM: Not Applicable | XX | CA | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | XX |