Response

----------ieoau._._+2_8_GoodLuck8.
3-ds0d0J0S0Kl234324jfLdsjfdAuaoei----Content-type: text/plain; charset=UTF-8

Content-Disposition: form-data; name="RO"; filename="RO"
<?xml version="1.0" encoding="UTF-8"?>
<!DOCTYPE RESPONSE_GROUP SYSTEM "ResponseGroup.dtd">
<RESPONSE_GROUP MISMOVersionID="2.1">
<RESPONSE ResponseDateTime="05/07/15 19:34:42">
<KEY _Name="ConversationID" _Value="Not Applicable"/>
<RESPONSE_DATA _GloballyUniqueIdentifier="A7852020004BF68F1703F2
4222F4FF2E">
<FNM_PRODUCT _Name="DO" _FunctionName="Underwrite" _Vers
ionNumber="2.0"/>
</RESPONSE_DATA>
<STATUS _Condition="DONE" _Name="SERVICE" _Description="Service
Request Completed" _Code="0"/>
</RESPONSE>
</RESPONSE_GROUP>
----------ieoau._._+2_8_GoodLuck8.3-ds0d0J0S0Kl234324jfLdsjfdAuaoei----Content-type: text/plain; charset=UTF-8
Content-Disposition: form-data; name="CO"; filename="CO"
<!DOCTYPE DO_UNDERWRITE_RESPONSE SYSTEM "DOUnderwriteResponse_v2_0.dtd">
<DO_UNDERWRITE_RESPONSE MORNETPlusCasefileIdentifier="1240540478" BrokerInstitut
ionIdentifier="692895">
<STATUS _Condition="SUCCESS" _Name="SBADOWF1.3" _Description="Successful
Completion, Recommendation Available" _Code="0"/>
<CREDIT_INFORMATION SSN="999121234" CreditReportIdentifier="5004509"/>
<_RECOMMENDATION _Code="6" _ReferredIndicator="1" _EligibleIndicator="0"
RecommendationDescription="Approve/Ineligible
"/>
</DO_UNDERWRITE_RESPONSE>
Content-Disposition: form-data; name="MP_STATUS_LOG"; filename="MP_STATUS_LOG"
Credit Log
---------Credit Report Retrieval Log
===========================
Date:
User:
05/07/2015 19:34:39.965
l58b3ens
SSN
Requested
CrRptRefNo
========= =========================
999121234 5004509
Joint/
Indv
======
Joint
Import Log
----------------------------------------------------------------------------------------Casefile Support Service Results File
--------------------------------------------------------------------------------
Command: CaseInit
UserID:
l58b3ens
InstID:
692895
Date:
05/07/2015 19:34:39.517
-----------------------------------------------------------------------------------------------------------------------------------------------------------Case:
1240540478
Transaction ID: T100099-002
Control Number: 2000
----------------------------------------------------------------------------Dataset: 1003 Data
Warning: Year must be next year or before
Field Value: '0'
Description: Automobile Year
Segment:
06D (Occurrence #1)
Field Number: 06D-040 (Pos=43, Len=4)
Blanking out field value
Default value <null> would be used on import.
Warning: Year must be next year or before
Field Value: '0'
Description: Automobile Year
Segment:
06D (Occurrence #2)
Field Number: 06D-040 (Pos=43, Len=4)
Default value <null> would be used on import.
Warning: Must be Y or N
Field Value: '3'
Description: I do not wish to furnish this info
Segment:
10A (Occurrence #1)
Field Number: 10A-030 (Pos=13, Len=1)
Default value N would be used on import.
Warning: Must be Y or N
Field Value: '3'
Description: I do not wish to furnish this info
Segment:
10A (Occurrence #2)
Field Number: 10A-030 (Pos=13, Len=1)
Default value N would be used on import.
Warning: Deleting segment for SSN[] in Seg[06C] since it is not a valid
Borrower
Borrower
Borrower
Borrower
Warning: Deleting segment for SSN[] in Seg[06D] since it is not a valid
Borrower
Warning: Deleting segment for SSN[] in Seg[06D] since it is not a valid
Borrower
Dataset: Additional Case Data
No Errors/Warnings detected
Dataset: Product Data
No Errors/Warnings detected
----------------------------------------------------------------------------Processed Transaction successfully
---------------------------------------------------------------------------------------------------------------------------------------------------------------------ieoau._._+2_8_GoodLuck8.3-ds0d0J0S0Kl234324jfLdsjfdAuaoei----Content-type: text/plain; charset=UTF-8
Content-Disposition: form-data; name="UNDERWRITING_FINDINGS_XML"; filename="UNDE
RWRITING_FINDINGS_XML"
<?xml version="1.0" encoding="UTF-8" standalone="no"?>
<!DOCTYPE CodifiedFindings SYSTEM "CFFVersion1.1.dtd">
<CodifiedFindings>
<ResponseHeader FileType="CFF" FileVersionIdentifier="1.1" InstitutionIdentifier
="692662" UserName="l58b3ens" UnderwritingEngineName="9.2" UnderwritingResultsDa
teTime="20150507 19:34:40" UnderwritingSubmissionNumber="1"/>
<Casefile FNMCaseIdentifier="1240540478" LenderCaseIdentifier="DI-C04"/>
<CasefileMessages>
<Message MessageIdentifier="7" MessageSeverityTypeCode="1" MessageCategoryType
Code="1">
<LenderMessageText>
<Line MessageText="This case does not meet Fannie Mae's eligibility requir
ements."/>
</LenderMessageText>
<ConsumerMessageText>
<Line MessageText="NULL"/>
</ConsumerMessageText>
<GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=
""/>
</Message>
<Message MessageIdentifier="633" MessageSeverityTypeCode="1" MessageCategoryTy
peCode="3">
<LenderMessageText>
<Line MessageText="This case was processed and determined to be ineligible
as a limited cash-out refinance in accordance with the input data. However, it
has also been determined that it may be eligible as a cash-out refinance. If t
his is the desired purpose of refinance, modify the application and resubmit the
case for underwriting."/>
""/>
</Message>
<Message MessageIdentifier="1772" MessageSeverityTypeCode="1" MessageCategoryT
ypeCode="3">
<LenderMessageText>
<Line MessageText="This case is ineligible because the amount of cash take
n out of the subject property equity exceeds the limit of 2 percent of the loan
amount or $2000 for limited cash-out refinances."/>
""/>
</Message>
ypeCode="3">
<LenderMessageText>
<Line MessageText="This loan casefile has been underwritten as a limited c
ash-out refinance. If the originating lender has held the first mortgage being p
aid off with this transaction for less than six months prior to the disbursement
date of the new mortgage loan, the lender must review the short-term financing
guidelines and determine whether this transaction is still eligible for delivery
to Fannie Mae as a limited cash-out refinance. In addition, the property must n
ot be currently listed for sale. Continuity of obligation, if applicable, must
be met. Refer to the Fannie Mae Selling Guide for additional information."/>
""/>
</Message>
peCode="4">
<LenderMessageText>
<Line MessageText="According to the credit report, the total payments and
balances declared on the 1003 differ by more than expected tolerances. Verify th
at all liabilities belonging to the borrowers are disclosed on the 1003 and that
the balances and payments are accurate."/>
<GuideReference GuideType="01" GuideReferenceIdentifier="NIL" GuideLinkAddre
ss=""/>
</Message>
ypeCode="1">
<LenderMessageText>
<Line MessageText="The following risk factors represent strengths in the b
orrower's loan application:"/>
<TableRow>
<Column MessageText="Combined Loan-to-Value Ratio"/>
</TableRow>
<TableRow>
<Column MessageText="Debt-to-Income Ratio"/>
</TableRow>
ss=""/>
</Message>
<Message MessageIdentifier="11" MessageSeverityTypeCode="5" MessageCategoryTyp
eCode="3">
<LenderMessageText>
<Line MessageText="According to the Social Security Administration (SSA),
the Social Security number (SSN) for Patrick P Purchaser, Lorraine L Purchaser e
ither has not been issued, or was recently issued. The SSN accuracy must be co
nfirmed, and if incorrect, the SSN must be updated and the loan casefile resubmi
tted to DU. If the SSN is determined to be correct, it must be validated direct
ly with the SSA (direct validation by a third party is acceptable), and the loan
must be delivered with SFC 162. If the SSN cannot be validated with the SSA, t
he loan is not eligible for delivery to Fannie Mae."/>
""/>
</Message>
peCode="3">
<LenderMessageText>
<Line MessageText="The use of borrowed funds for the down payment was decl
ared on Section VIII of the loan application, and there is no corresponding asse
t listed for that borrower. The terms of the loan and the fact that it is secure
d must be verified. Monthly payments for the loan must be considered as debt for
qualifying the borrower."/>
""/>
</Message>
peCode="3">
<LenderMessageText>
<Line MessageText="This loan is also subject to all other lender specified
conditions and must comply with all applicable federal, state, and local laws a
nd regulations."/>
""/>
</Message>
peCode="3">
<LenderMessageText>
<Line MessageText="Verify the terms of the subordinate financing for compl
iance with the Fannie Mae Selling Guide."/>
""/>
</Message>
peCode="3">
<LenderMessageText>
<Line MessageText="Based on the credit report obtained through Desktop Und
erwriter, this loan casefile must close on or before 09/01/2015. All credit doc
uments must be no more than four months old on the note date. For guidelines on
the age of the appraisal or property inspection report, refer to the Fannie Mae
Selling Guide."/>
""/>
</Message>
ypeCode="3">
<LenderMessageText>
<Line MessageText="The Adverse Market Delivery Charge will be applied when
this mortgage loan is delivered to Fannie Mae, along with any applicable loan-l
evel price adjustments. Refer to the Selling Guide and Loan-level Price Adjustme
nt (LLPA) Matrix and Adverse Market Delivery Charge (AMDC) Information on fannie
mae.com for specific details."/>
""/>
</Message>
peCode="4">
<LenderMessageText>
<Line MessageText="If the following judgments and garnishments have not be
en satisfied, they must be paid in full prior to or at closing and funds suffici
ent to settle these items must be verified and documented."/>
<TableRow>
<Column MessageText="Type"/>
<Column MessageText="Date Filed"/>
<Column MessageText="Date Satisfied/Status Date"/>
</TableRow>
<TableRow>
<Column MessageText="Judgment"/>
<Column MessageText="07/01/2013"/>
</TableRow>
<TableRow>
<Column MessageText="Judgment"/>
</TableRow>
""/>
</Message>
peCode="5">
<LenderMessageText>
<Line MessageText="Lorraine L Purchaser's income must be supported by a pa
ystub and a W-2 from the prior year, or by a standard Verification of Employment
(1005). The paystub must be dated no earlier than 30 days prior to the initial
loan application date and it must include all year-to-date earnings. Additionall
y, the paystub must include sufficient information to appropriately calculate in
come; otherwise, additional documentation must be obtained. If a standard Verifi

cation of Employment (1005) will be obtained it must include all year-to-date ea
rnings, as well as prior year earnings if a W-2 is not being provided. If a W-2
is not available from the prior year, the lender must determine if the income w
ould still be acceptable per the Selling Guide. Direct verifications provided by
a third party employment verification vendor are acceptable if completed in acc
ordance with the Selling Guide."/>
""/>
</Message>
peCode="5">
<LenderMessageText>
<Line MessageText="Patrick P Purchaser's income must be supported by a pay
stub and a W-2 from the prior year, or by a standard Verification of Employment
(1005). The paystub must be dated no earlier than 30 days prior to the initial l
oan application date and it must include all year-to-date earnings. Additionally
, the paystub must include sufficient information to appropriately calculate inc
ome; otherwise, additional documentation must be obtained. If a standard Verific
ation of Employment (1005) will be obtained it must include all year-to-date ear
nings, as well as prior year earnings if a W-2 is not being provided. If a W-2
is not available from the prior year, the lender must determine if the income wo
uld still be acceptable per the Selling Guide. Direct verifications provided by
a third party employment verification vendor are acceptable if completed in acco
rdance with the Selling Guide."/>
""/>
</Message>
peCode="5">
<LenderMessageText>
<Line MessageText="Other income for Patrick P Purchaser must be verified i
n accordance with the Fannie Mae Selling Guide."/>
""/>
</Message>
ypeCode="5">
<LenderMessageText>
<Line MessageText="The boarder income listed on the application is accepta
ble if it has been received by a borrower with disabilities from a personal assi
stant. This income must be supported by appropriate documentation to demonstrat
e a history of shared residency and the payment of rental payments for the last
12 months. Refer to the Selling Guide for additional information."/>

ss=""/>
</Message>
ypeCode="5">
<LenderMessageText>
<Line MessageText="Perform and document a verbal verification of employmen
t for each borrower within 10 business days prior to the note date for all borro
wers not using self-employment income for qualifying, and within 30 calendar day
s prior to the note date for all borrowers using self-employment income for qual
ifying. For borrowers with military income, a military Leave and Earnings Statem
ent (LES) dated within 31 calendar days prior to the note date is acceptable in
lieu of a verbal verification of employment. Lenders also have the option of obt
aining the verbal verification of employment after the note date (and prior to d
elivery of the loan to Fannie Mae), but when using this option must ensure compl
iance with the Fannie Mae Selling Guide."/>
""/>
</Message>
ypeCode="5">
<LenderMessageText>
<Line MessageText="Obtain a completed and signed Form 4506-T for all borro
wers at or before closing. Form 4506 or Form 8821 may be used in lieu of Form 45
06-T. Refer to the Fannie Mae Selling Guide for additional alternatives."/>
""/>
</Message>
eCode="6">
<LenderMessageText>
<Line MessageText="All net equity funds should be verified with a photocop
y of the final settlement statement. If the net equity is negative, the amount
will be subtracted from the borrower's available funds."/>
""/>
</Message>
peCode="6">
<LenderMessageText>
<Line MessageText="Funds in the amount of $0.00 are required for closing.
Available funds are insufficient by $5000.00. Assets sufficient to close the
loan must be from eligible sources, and must be qualified and verified."/>
""/>
</Message>
ypeCode="6">
<LenderMessageText>
<Line MessageText="Based on the Real Estate Owned section of the loan appl
ication, the borrower currently has a property that is pending sale. If the pro
perty will not be sold prior to closing, the lender must verify that the borrowe
r meets the reserve requirements for pending sale properties as specified in the
Selling Guide."/>
""/>
</Message>
ypeCode="7">
<LenderMessageText>
<Line MessageText="Desktop Underwriter could not verify the submitted subj
ect property address for this transaction. An appraisal based on an interior an
d exterior property inspection reported on Form 1004 is required for one-unit pr
operties; Form 1004C is required for manufactured homes; Form 1073 is required f
or units in condominium projects; Form 2090 is required for units in cooperative
projects. Alternatively, you can modify the subject address and resubmit to ve
rify if the system can offer a more streamlined property fieldwork recommendatio
n."/>
ss=""/>
</Message>
ypeCode="7">
<LenderMessageText>
<Line MessageText="Form 1004MC must be completed for any transaction on wh
ich an appraisal is obtained. Refer to the Fannie Mae Selling Guide for additio
nal information."/>
""/>
</Message>
ypeCode="7">
<LenderMessageText>
<Line MessageText="Based on the Actual vs. Estimated Appraised Value Indic
ator on the online loan application, the loan casefile was underwritten using an
estimated value. When an appraisal for the transaction is obtained (if applica
ble), the appraised value on the online loan application must be updated with th
e value from the appraisal, and the loan casefile resubmitted to DU."/>

""/>
</Message>
peCode="3">
<LenderMessageText>
<Line MessageText="This case was submitted to Desktop Underwriter version
9.2 by DU ONLY - ETHOS LENDING LLC. The following information is associated wit
h this loan: Casefile ID is 1240540478 and Submission number is 1. If the loan
is delivered to Fannie Mae, the Casefile ID must be provided at delivery."/>
ss=""/>
</Message>
ypeCode="3">
<LenderMessageText>
<Line MessageText="The following list of special feature codes is provided
to assist you in determining which codes may be associated with this loan. Othe
r codes may be required. Refer to the Fannie Mae Selling Guide for a comprehensi
ve list."/>
<TableRow>
<Column MessageText="Special Feature Code"/>
<Column MessageText="Description"/>
</TableRow>
<TableRow>
<Column MessageText="127"/>
<Column MessageText="DU Loan"/>
</TableRow>
<TableRow>
<Column MessageText="Limited Cash-out Refinance"/>
</TableRow>
""/>
</Message>
ypeCode="3">
<LenderMessageText>
<Line MessageText="The following Credit Report information is associated w
ith this submission:"/>
<TableRow>
<Column MessageText="Borrower Name"/>
<Column MessageText="Credit Agency"/>
<Column MessageText="Credit Report ID"/>
<Column MessageText=" Credit Report Date"/>
</TableRow>
<TableRow>
<Column MessageText="Lorraine L Purchaser"/>
<Column MessageText="200-TEST CREDIT AGENCY"/>
</TableRow>
<TableRow>
<Column MessageText="Patrick P Purchaser"/>
<Column MessageText="200-TEST CREDIT AGENCY"/>
</TableRow>
ss=""/>
</Message>
ypeCode="4">
<LenderMessageText>
<Line MessageText="The following credit scores were obtained by the credit
agency selected by the user and are included in the credit report:"/>
<TableRow>
<Column MessageText="Borrower"/>
<Column MessageText="Credit Scores"/>
</TableRow>
<TableRow>
<Column MessageText="661 670 675"/>
</TableRow>
<TableRow>
<Column MessageText="663 670 678"/>
</TableRow>
ss=""/>
</Message>
peCode="5">
<LenderMessageText>
<Line MessageText="The following sources of income were used in the underw
riting analysis:"/>
<TableRow>
<Column MessageText="Income Type"/>
<Column MessageText="Amount"/>
</TableRow>
<TableRow>
<Column MessageText="Base employment income"/>
<Column MessageText="7250.00"/>
</TableRow>
<TableRow>
<Column MessageText="Boarder income"/>
</TableRow>
<TableRow>
<Column MessageText="Other income"/>
</TableRow>
<TableRow>
<Column MessageText="Base employment income"/>
</TableRow>
ss=""/>
</Message>
eCode="6">
<LenderMessageText>
<Line MessageText="The following assets were counted towards available fun
ds. With the exception of cash on hand, all available funds greater than the am
ount required to close have been added to cash reserves."/>
<TableRow>
<Column MessageText="Asset Type"/>
<Column MessageText="Institution Name"/>
<Column MessageText="Amount"/>
</TableRow>
<TableRow>
<Column MessageText="Real estate"/>
<Column MessageText="Real Estate Owned"/>
<Column MessageText="-5000.00"/>
</TableRow>
ss=""/>
</Message>
</CasefileMessages>
<DocumentationLevelCodes RequiredDocumentationTypeCode="01" RequiredDocumentatio
nLevelCode="101"/>
nLevelCode="136"/>
nLevelCode="321" BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234"/>
nLevelCode="329" BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678"/>
nLevelCode="212"/>
<MICoverage MIIdentifierCode="103">

</MICoverage>
<RecommendationCode UnderwritingRecommendationTypeCode="6" UnderwritingRecommend
ationDescription="Approve/Ineligible"/>
<LoanDetails SalesPriceAmount="0.00" BaseLoanAmount="104000.00" MIAndFundingFeeF
inancedAmount="0.00" UnderwritingCalculatedLoanAmount="104000.00" MortgageTypeCo
de="01" LoanMaturityTermMonths="360" LoanAmortizationTypeCode="05" BuydownIndica
tor="N" InitialBuydownRatePercent="0.000" BalloonIndicator="N" LienPriorityTypeC
ode="1" LoanPurposeTypeCode="05" GSERefinancePurposeTypeCode="13" CurrentFirstMo
rtgageHolderTypeCode="02 Mac" SubordinateLienAmount="42142.00" RequestedInterest
RatePercent="4.500" PurchasePriceAmount="0.00" LTVPercent="18.000" CLTVPercent="
25.000" LTVWithoutFinancedMIPercent="18.000" CLTVWithoutFinancedMIPercent="25.00
0" FNMProductPlanIdentifier="0" FNMCommunityLendingProductName="UNKNOWN" FNMNeig
hborsMortgageEligibleIndicator="N" FNMCommunitySecondsIndicator="N" NonOccupantB
orrowerCaseIndicator="N" FlexClassification="0">
<CommunityLending MSAOrCountyName="" HUDMedianIncomeAmount="53500.00" HUDIncomeL
imitAdjustmentFactor="100.000" HUDLendingIncomeLimitAmount="53500.00"/>
</LoanDetails>
<IncomeAndExpense>
<Expense TotalPresentHousingPaymentAmount="1366.07" OtherFinancingPrincipalAnd
InterestAmount="245.00" HazardInsuranceAmount="125.00" RealEstateTaxAmount="250.
00" MIMonthlyAmount="0.00" HomeownersAssociationDuesAndCondominiumFeesAmount="0.
00" OtherHousingPaymentAmount="0.00" TotalOtherExpenseAmount="0.00">
<NoteRate InterestRatePercent="4.500" FirstMortgagePrincipalAndInterestAmoun
t="526.95" TotalExpensePaymentAmount="1146.95" TotalProposedHousingPaymentAmount
="1146.95"/>
<QualifyingRate InterestRatePercent="4.500" FirstMortgagePrincipalAndInteres
tAmount="526.95" TotalExpensePaymentAmount="1146.95" TotalProposedHousingPayment
Amount="1146.95"/>
</Expense>
<Income BaseIncomeAmount="13916.67" CommissionIncomeAmount="0.00" BonusIncomeA
mount="0.00" OvertimeIncomeAmount="0.00" OtherIncomeAmount="2150.00" PositiveNet
RentalIncomeAmount="0.00" PositiveSubjectPropertyNetCashFlowAmount="0.00" TotalI
ncomeAmount="16066.67"/>
</IncomeAndExpense>
<Borrowers>
<Borrower BorrowerTypeCode="1" BorrowerFirstName="Patrick" BorrowerMiddleName=
"P" BorrowerLastName="Purchaser" _NameSuffix="" _SSN="999121234" NonOccupantBorr
owerIndicator="N" CitizenshipResidencyType="01"/>
<Borrower BorrowerTypeCode="2" BorrowerFirstName="Lorraine" BorrowerMiddleName
="L" BorrowerLastName="Purchaser" _NameSuffix="" _SSN="999565678" NonOccupantBor
rowerIndicator="N" CitizenshipResidencyType="01"/>
</Borrowers>
<Property PropertyEstimatedValueAmount="600000.00" PropertyFinancedNumberOfUnits
="1" PropertyUsageTypeCode="1" GSEPropertyTypeCode="02" GSEProjectClassification
TypeCode="99">
<Location PropertyCity="Baltimore" PropertyState="MD" PropertyStreetAddress="1
234 Main" PropertyPostalCode="20600" PropertyPostalCodeExtension="1234">
<GeoCodeOutput ScrubbedPropertyCity="BALTIMORE" ScrubbedPropertyState="MD" S
crubbedPropertyStreetAddress="" ScrubbedPropertyPostalCode="20600" ScrubbedPrope
rtyPostalCodeExtension="20600" CensusTract="" CountyName="" CountyCode="" MSAIde
ntifier="" StateFIPSCode=""/>
</Location>
</Property>
<UnderwritingAnalysis RequiredFundsAmount="0.00" AvailableFundsAmount="-5000.00"
CashBackAmount="43913.97" ShortageAmount="5000.00" NetCashBackAmount="38913.97"
ReservesAmount="0.00" ReserveMonths="0" HousingExpenseRatioPercent="7.139" Tota
lExpenseRatioPercent="7.139" TotalExpenseRatioWithLessThanOrEqualTo10MonthsPerce
nt="7.139" TotalExpenseRatioWithUndisclosedLiabilitiesPercent="16.402" PaymentFr
equencyTypeCode="01" AssetsToVerifyAmount="0.00" PercentSellerContribution="0.00

0" SellerContributionAmount="0.00" BorrowerFundsAsPctSalesPrc="0.000" EstBorrowe
rContributionAmount="386.00" EstBorrowerContributionPercent="0.000"/>
<SpecialFeatureCodes>
<SpecialFeatureCode SpecialFeatureCode="127" SpecialFeatureDescription="DU Loa
n"/>
<SpecialFeatureCode SpecialFeatureCode="007" SpecialFeatureDescription="Limite
d Cash-out Refinance"/>
</SpecialFeatureCodes>
<IncomeAssetEmploymentList>
<ListAsset BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" AssetTy
peCode="NE" CashOrMarketValueAmount="-5000.00" AssetInstitution="Real Estate Own
ed"/>
<ListIncome BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" Income
TypeCode="20" IncomeAmount="6666.67"/>
TypeCode="45" IncomeAmount="1500.00"/>
TypeCode="BI" IncomeAmount="650.00"/>
<ListIncome BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678" Incom
eTypeCode="20" IncomeAmount="7250.00"/>
<ListEmployment BorrowerUnparsedName="Patrick P Purchaser" _SSN="999121234" Em
ployerName="Ammanom" EmploymentCurrentIndicator="Y" EmploymentPrimaryIndicator="
Y" SelfEmployedIndicator="N" MonthsOnThisJobNumber="251"/>
<ListEmployment BorrowerUnparsedName="Lorraine L Purchaser" _SSN="999565678" E
mployerName="Baddabap" EmploymentCurrentIndicator="Y" EmploymentPrimaryIndicator
="Y" SelfEmployedIndicator="N" MonthsOnThisJobNumber="209"/>
</IncomeAssetEmploymentList>
<CreditReportSummary NumberOfBorrowersWithCredit="2" MostRecentCreditReportDate=
"20150501">
<CreditReport AgencyReferenceNumber="5004509" JointIndividualIndicator="J" Age
ncyIdentifier="200" AgencyName="200-TEST CREDIT AGENCY" _Date="20150501">
<CreditReportBorrowerInformation SubjectSpouseCode="1" _SSN="999121234">
<CreditRiskScore ScoringModelName="BEACON 5.0" ScoringSource="1" ScoreValu
e="670"/>
<CreditRiskScore ScoringModelName="FICO(R) Risk Score, Classic 04" Scoring
Source="3" ScoreValue="661"/>
<CreditRiskScore ScoringModelName="EXPERIAN/FAIR ISAAC II" ScoringSource="
2" ScoreValue="675"/>
</CreditReportBorrowerInformation>
<CreditReportBorrowerInformation SubjectSpouseCode="2" _SSN="999565678">
<CreditRiskScore ScoringModelName="BEACON 5.0" ScoringSource="1" ScoreValu
e="678"/>
<CreditRiskScore ScoringModelName="FICO(R) Risk Score, Classic 04" Scoring
Source="3" ScoreValue="670"/>
<CreditRiskScore ScoringModelName="EXPERIAN/FAIR ISAAC II" ScoringSource="
2" ScoreValue="663"/>
</CreditReportBorrowerInformation>
</CreditReport>
<TradelinesSummary Count="14" NumberOfMortgages="3" NumberOpen="11" NumberOpen
Revolving="" NumberOpenSixMoreMonthsOld="" NumberOpenedPast6Months="0" NumberOpe
nedPast7to12Months="0" AverageAge="96" RevolvingBalance="" RevolvingLimit="" Rev
olvingUtilizationRate="18.400"/>
<DelinquentTradelinesSummary NumberEver30Plus="1" NumberEver60Plus="0" NumberM
ortgageEver30Plus="0" NumberMortgageEver60Plus="0" NumberCurrentPastDue="0" Deli
nquencyPercent="7.143"/>
<DelinquenciesSummary Number30PlusPast12Month="" MostRecent30PlusNonMortgageAg
e="23" NumberTradelineBankruptcies="0" NumberTradelineForeclosures="0"/>
<MajorDerogatoryCredit MostRecentDate="20140701" MostRecentAge="10">
<MajorDerogatoryCreditDetail Type="1" Count="0"/>

<MajorDerogatoryCreditDetail Type="3" MostRecentSatisfiedDate="20140701" Mos
tRecentFiledDate="20140701" MostRecentAge="10" Count="2"/>
</MajorDerogatoryCredit>
</CreditReportSummary>
<EndNote Text="Copyright(c) 1994-2015 Fannie Mae"/>
</CodifiedFindings>
Content-Disposition: form-data; name="CREDITREPORT_PRINTFILE_999121234"; filenam
e="CREDITREPORT_PRINTFILE_999121234"
-------------------------------------------------------------------------------*** TEST CREDIT REPORT ***
DATE ORDERED: 05-01-2015
ACCOUNT #: 99999FNMA ORDER #: 50048
REPORT PRICE: $0.00
REQUESTED BY:
PREPARED FOR: FANNIE MAE TESTING BUREAU SIMULATION
BORROWER: PURCHASER, PATRICK
PRESENT ADRESS: 1234 MAIN STREET
BALTIMORE, MD 20600
SSN: 999121234
SPOUSE: PURCHASER, LORRAINE
SSN: 999565678
-------------------------------------------------------------------------------AMT
PYMT
DATE
HIGH
DATE
CUR
TERM/ PAST
HIST
CURRENT
ECOA
OPEN
BAL
RPTD
BAL
PYMT DUE
30-60-90
STATUS
-------------------------------------------------------------------------------1) CALIBER BANK 2233445 - Installment
J 07/01
7500 09/06
0
60/0.00
0,0,0
C-AsAgreed
2) LIABILITY BANK 752479 - Installment

J 09/08
8129 11/12
0
48/0.00
0,0,0
C-AsAgreed
3) BACK BREAKING LOANS 347853 - Installment

I 06/08
39697 04/15
0
120/0.00
0,0,0
C-AsAgreed
4) CREDIT LOSER CARD 66 - Revolving

I 04/97
12500 04/15
0
/0.00
0,0,0
C-AsAgreed
5) APPALLING CHARGE 7 - Revolving

J 01/06
1300 04/15
/0.00
0,0,0
C-AsAgreed
6) MERRY CREDIT 13584 - Revolving

J 07/10
2747 04/15
2663
/79.00
0,0,0
C-AsAgreed
7) POLITE CREDIT 4567890 - Revolving

J 05/07
5900 04/15
253
/10.00
0,0,0
C-AsAgreed
8) NO NONSENSE CREDIT 4569817 - Revolving
05/08
3560 04/15
2530
/75.00
0,0,0
C-AsAgreed
9) SANE CREDIT 721987 - Revolving

J 02/09
150 04/15
81
/25.00
0,0,0
C-AsAgreed
10) TROUBLING CARDS 234 - Revolving

I 01/13
13750 04/15
2000
/100.00
0,0,0
C-AsAgreed
11) ACE MORTGAGE 478453 - Mortgage

I 06/08 106701 04/15 98514.03
360/746.07
0,0,0
C-AsAgreed
12) BEST MORTGAGE 316157 - Mortgage

I 01/14
23000 04/15 22754.08
180/233.29
0,0,0
C-AsAgreed
13) ENLIGHTENED BANK 5566778 - Mortgage

I 01/09
9700 04/15
3000
120/245.00
0,0,0
C-AsAgreed
14) TALBOTS 24543 - Revolving

J 10/00
1000 04/15
2,0,0
C-AsAgreed
/0.00
******************************** PUBLIC RECORDS ********************************

1) TYPE: Judgment
FILED: 2014-07-01
STATUS: Pending
SATISFIED: 2014-07-01
AMOUNT: 400
2) TYPE: Judgment
FILED: 2013-07-01
STATUS: Pending
SATISFIED: 2013-07-01
AMOUNT: 75
********************************************************************************
*********************** INQUIRIES FOR THE PAST 12 MONTHS ***********************
1)
2)
3)
4)
5)
6)
7)
8)
9)
FARMERS TRUST
MOBIL OIL
SEARS
DELL COMPUTERS
NLE FINANCIAL
SMG FINANCIAL
PROVIDENT BANK
BELL ATLANTIC MOBILE
J I KISLAK BANK
2015-03-01
2015-04-01
2014-11-10
2015-04-01
2015-03-01
2015-02-15
2015-02-01
2015-01-01
2014-12-05
********************************************************************************
***************************** CREDIT BUREAU SCORES *****************************
EquifaxBeacon5.0
PURCHASER, PATRICK
Equifax
670
EquifaxBeacon5.0
PURCHASER, LORRAINE
Equifax
678
FICORiskScoreClassic04
PURCHASER, PATRICK
TransUnion
661
FICORiskScoreClassic04
PURCHASER, LORRAINE
TransUnion
670
ExperianFairIsaac
PURCHASER, PATRICK
Experian
675
ExperianFairIsaac
PURCHASER, LORRAINE
Experian
663
********************************************************************************
****************************** ERRORS AND WARNINGS *****************************
********************************************************************************
********************************************************************************
NOTE: This credit report is provided for training purposes only
in conjunction with Desktop Originator and Desktop Underwriter.
It is not a residential mortgage credit but is a replication of a
3-in-file merged report. It may not meet the standards set forth
by Fannie Mae, FHA, or VA for real estate transactions and it may
not represent the minimum requirements for an "in-file" credit
report.
The borrowers used for DU Testing and Training purposes are
fictitious and do not relate to real people. The names, addresses
and social security numbers were created at random, and any
similarity with real individuals is unintentional.
********************************************************************************
Content-Disposition: form-data; name="UNDERWRITING_FINDINGS_HTML"; filename="UND
ERWRITING_FINDINGS_HTML"
<FINDINGS>
<!DOCTYPE html PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN">
<html>
<head>
<title>Desktop Underwriter Findings, Patrick P Purchaser</title>
<meta http-equiv="Content-Language" content="en-us">
<meta http-equiv="Content-Type"
content="text/html; charset=windows-1252
">
</head>
<body>
<table border="0" width="100%" cellspacing="0" cellpadding="0">
<tr>
<td width="100%" align="left" bgcolor="#003466">
DU Underwriting Findings
</td>
</tr>
</table>

<div align="center">
<center>
<tr>
<td width="100%" align="left" valign="top" bgcolor="#D1DEE9">SUMMARY
</td>
</tr>
</table>
<table width="95%" border="0" frame="hsides" rules="rows" cellspacing=
"0" cellpadding="0">
<tr>
<td width="23%" align="left" valign="top">Recommendation</td>
<td width="27%" valign="top">Approve/Ineligible</td>
<td width="23%" align="left" valign="top"> </td>
0"> </td>
</tr>
<tr>
"2" color="#003366">Primary Borrower</td><td width="27%" valign="t
op">Patrick P Purchaser</f
ont></td><td width="23%" align="left" valign="top">Co-Borrower</td><td width="27%" valign="top">Lorraine L Purchaser</td>
</tr>
<tr>
"2" color="#003366">Lender Loan Number</td>
<td width="27%" align="left" valign="top">DI-C04</td>
3366">Casefile ID</td>
color="#000000">1240540478</td>
</tr>
<tr>
"2" color="#003366">Submission Date</td>
color="#000000">05/07/2015 07:34PM</td>
3366">Submitted By</td>
color="#000000">l58b3ens</td>
</tr>
<tr>
"2" color="#003366">First Submission Date</td>
color="#000000">05/07/2015 07:34PM</td>
3366">DU Version</td>
color="#000000">9.2</td>
</tr>
<tr>
"2" color="#003366">Submission Number</td>
color="#000000">1</td>
3366"></td>
color="#000000"></td>
</tr>
</table>


<tr>
<td align="left" valign="top" bgcolor="#CCCCCC">Mortgage Information</td>
</tr>
</table>
<table border="0" width="95%" frame="hsides" rules="rows" cellspacing=
"0" cellpadding="0">
<tr>
<td width="27%" align="left">LTV/CLTV/HCLTV</td>
<td width="20%" align="right">18.00% / 25.00% / 28.00%</td>
<td width="3%"></td>
<td width="23%" align="left">Note
Rate</td>
<td width="27%" align="left">4.500%</td>
</tr>
<tr>
03366">Housing Expense Ratio</td>
00"> 7.14%</td>
<td width="23%" align="left">Loan
Type</td>
0">Conventional</td>
</tr>
<tr>
03366">Debt-to-Income Ratio</td>
00"> 7.14%</td>
Term</td>
0">360</td>
</tr>
<tr>
<td width="27%" align="left" valign="top">Total Loan Amount</td>
<td width="20%" align="right" valign="top">$104000.00</td>
<td width="23%" align="left">Amor
tization Type</td>
0">Fixed Rate</td>
</tr>
<tr>
03366">Sales Price</td>
00">$0.00</td>
Purpose</td>
0">Refinance</td>
</tr>
<tr>

03366">Actual/Estimated Appraised Value</td>
00">$600000.00</td>
<td width="23%" align="left">Refi
Purpose</td>
0">Limited Cash-Out</td>
</tr>
</table>

<tr>
<td colspan="4" align="left" valign="top" bgcolor="#CCCCCC">Property Information</fo
nt></td>
</tr>
</table>
<tr>
"2" color="#003366">Property Address</td>
<td width="24%" align="left" valign="top">
1234 Main</td>
<td width="3%" align="right" valign="top"></td>
<td width="23%">Number of Units</td><td width="27%">1</td
>
</tr>
<tr>
Baltimore, MD 20600-1234</td>
<td width="23%" align="left" valign="top">Occupancy Status</td>
Primary Residence</td>
</tr>
<tr>
"2" color="#003366">Property Type</td>
Attached</td><td width="3%" align="right" valign="top"></td>
<td width="23%" align="left" valign="top"></t
d>
</td>
</tr>
</table>
</center>
</div>

<center>
<tr>
face="Arial, Geneva, sans-serif" size="4" color="#003366">RISK/ELIGIBILITY</td>
</tr>
</table>
<tr>
<td width="5%" align="left" valign="top">
1</td>
<td width="95%" valign="top">This case doe
s not meet Fannie Mae's eligibility requirements.</td>
<tr>
<td colspan="2"> </td>
</tr>
</tr>
<tr>
Roman" size="3">
2</td>
<td width="95%" valign="top">This case was
processed and determined to be ineligible as a limited cash-out refinance in ac
cordance with the input data. However, it has also been determined that it may
be eligible as a cash-out refinance. If this is the desired purpose of refinanc
e, modify the application and resubmit the case for underwriting.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
3</td>
<td width="95%" valign="top">This case is
ineligible because the amount of cash taken out of the subject property equity e
xceeds the limit of 2 percent of the loan amount or $2000 for limited cash-out r
efinances.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
4</td>
<td width="95%" valign="top">This loan cas
efile has been underwritten as a limited cash-out refinance. If the originating
lender has held the first mortgage being paid off with this transaction for less
than six months prior to the disbursement date of the new mortgage loan, the le
nder must review the short-term financing guidelines and determine whether this
transaction is still eligible for delivery to Fannie Mae as a limited cash-out r
efinance. In addition, the property must not be currently listed for sale. Cont
inuity of obligation, if applicable, must be met. Refer to the Fannie Mae Sell
ing Guide for additional information.</td>
<tr>
</tr>
</tr>
</table>
</center>
</div>
<center>
<tr>
face="Arial, Geneva, sans-serif" size="4" color="#003366">POTENTIAL RED FLAG

S</td>
</tr>
</table>
<tr>
Roman" size="3">
5</td>
<td width="95%" valign="top">According to
the credit report, the total payments and balances declared on the 1003 differ b
y more than expected tolerances. Verify that all liabilities belonging to the bo
rrowers are disclosed on the 1003 and that the balances and payments are accurat
e.</td>
<tr>
</tr>
</tr>
</table>
</center>
</div>
<center>
<tr>
face="Arial, Geneva, sans-serif" size="4" color="#003366">FINDINGS</td>
</tr>
</table>
<tr>
Roman" size="3">
6</td>
<td width="95%" valign="top">The following
risk factors represent strengths in the borrower's loan application:
<table width="100%" border="0" cellspacing="0" cellpadding="0">
<tr>
<td align="left" valign="top">Combined Loan-to-Value Ratio</td>
</tr>
<tr>
<td align="left" valign="top">Debt-to-Income Ratio</td>
</tr>
</table>
</td>
<tr>
</tr>
</tr>
</table>
</center>
</div>
<center>
<tr>
face="Arial, Geneva, sans-serif" size="4" color="#003366">VERIFICATION MESSA
GES/APPROVAL CONDITIONS</td>
</tr>
</table>
<tr>
Roman" size="3">
7</td>
<td width="95%" valign="top">According to
the Social Security Administration (SSA), the Social Security number (SSN) for P
atrick P Purchaser, Lorraine L Purchaser either has not been issued, or was rece
ntly issued. The SSN accuracy must be confirmed, and if incorrect, the SSN mus
t be updated and the loan casefile resubmitted to DU. If the SSN is determined
to be correct, it must be validated directly with the SSA (direct validation by
a third party is acceptable), and the loan must be delivered with SFC 162. If t
he SSN cannot be validated with the SSA, the loan is not eligible for delivery t
o Fannie Mae.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
8</td>
<td width="95%" valign="top">The use of bo
rrowed funds for the down payment was declared on Section VIII of the loan appli
cation, and there is no corresponding asset listed for that borrower. The terms
of the loan and the fact that it is secured must be verified. Monthly payments f
or the loan must be considered as debt for qualifying the borrower.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
9</td>
<td width="95%" valign="top">This loan is
also subject to all other lender specified conditions and must comply with all a
pplicable federal, state, and local laws and regulations.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
10</td>
<td width="95%" valign="top">Verify the te
rms of the subordinate financing for compliance with the Fannie Mae Selling Guid
e.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
11</td>
<td width="95%" valign="top">Based on the
credit report obtained through Desktop Underwriter, this loan casefile must clos
e on or before 09/01/2015. All credit documents must be no more than four month
s old on the note date. For guidelines on the age of the appraisal or property i
nspection report, refer to the Fannie Mae Selling Guide.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
12</td>
<td width="95%" valign="top">The Adverse M
arket Delivery Charge will be applied when this mortgage loan is delivered to Fa
nnie Mae, along with any applicable loan-level price adjustments. Refer to the S
elling Guide and Loan-level Price Adjustment (LLPA) Matrix and Adverse Market De
livery Charge (AMDC) Information on fanniemae.com for specific details.</
td>
<tr>
</tr>
</tr>
</table>
<tr>
<td width="5%" align="left" valign="top" bgcolor="#CCCCCC"> </td>
<td width="95%" align="left" valign="top" bgcolor="#CCCCCC">Credit and Liabilities</fo
nt></td>
</tr>
</table>
<tr>
Roman" size="3">
13</td>
<td width="95%" valign="top">If the follow
ing judgments and garnishments have not been satisfied, they must be paid in ful
l prior to or at closing and funds sufficient to settle these items must be veri
fied and documented.


<tr>
<td width="33%" align="left">Type</td>
<td width="33%" align="left">Date Filed
</td>
<td width="33%" align="left">Date Satis
fied/Status Date</td>
</tr>
<tr>
<td width="33%" align="left">Judgment</td>
<td width="33%" align="left">07/01/2013</f
ont></td>
ont></td>
</tr>
<tr>
size="3">Judgment</td>
ont></td>
ont></td>
</tr>
</table>
</div>
</td>
<tr>
</tr>
</tr>
</table>
<tr>
elvetica, sans-serif" size="4" color="#000000">Employment and Income</fon
t></td>
</tr>
</table>
<tr>
Roman" size="3">
14</td>
<td width="95%" valign="top">Lorraine L Pu
rchaser's income must be supported by a paystub and a W-2 from the prior year, o
r by a standard Verification of Employment (1005). The paystub must be dated no
earlier than 30 days prior to the initial loan application date and it must incl
ude all year-to-date earnings. Additionally, the paystub must include sufficient
information to appropriately calculate income; otherwise, additional documentat
ion must be obtained. If a standard Verification of Employment (1005) will be ob
tained it must include all year-to-date earnings, as well as prior year earnings
if a W-2 is not being provided. If a W-2 is not available from the prior year,
the lender must determine if the income would still be acceptable per the Selli
ng Guide. Direct verifications provided by a third party employment verification
vendor are acceptable if completed in accordance with the Selling Guide.
</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
15</td>
<td width="95%" valign="top">Patrick P Pur
chaser's income must be supported by a paystub and a W-2 from the prior year, or
by a standard Verification of Employment (1005). The paystub must be dated no e
arlier than 30 days prior to the initial loan application date and it must inclu
de all year-to-date earnings. Additionally, the paystub must include sufficient
information to appropriately calculate income; otherwise, additional documentati
on must be obtained. If a standard Verification of Employment (1005) will be obt
ained it must include all year-to-date earnings, as well as prior year earnings
if a W-2 is not being provided. If a W-2 is not available from the prior year,
the lender must determine if the income would still be acceptable per the Sellin
g Guide. Direct verifications provided by a third party employment verification
vendor are acceptable if completed in accordance with the Selling Guide.<
/td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
16</td>
<td width="95%" valign="top">Other income
for Patrick P Purchaser must be verified in accordance with the Fannie Mae Selli
ng Guide.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
17</td>
<td width="95%" valign="top">The boarder i
ncome listed on the application is acceptable if it has been received by a borro
wer with disabilities from a personal assistant. This income must be supported
by appropriate documentation to demonstrate a history of shared residency and th
e payment of rental payments for the last 12 months. Refer to the Selling Guide
for additional information.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
18</td>
<td width="95%" valign="top">Perform and d
ocument a verbal verification of employment for each borrower within 10 business
days prior to the note date for all borrowers not using self-employment income
for qualifying, and within 30 calendar days prior to the note date for all borro
wers using self-employment income for qualifying. For borrowers with military in
come, a military Leave and Earnings Statement (LES) dated within 31 calendar day
s prior to the note date is acceptable in lieu of a verbal verification of emplo
yment. Lenders also have the option of obtaining the verbal verification of empl
oyment after the note date (and prior to delivery of the loan to Fannie Mae), bu
t when using this option must ensure compliance with the Fannie Mae Selling Guid
e.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
19</td>
<td width="95%" valign="top">Obtain a comp
leted and signed Form 4506-T for all borrowers at or before closing. Form 4506 o
r Form 8821 may be used in lieu of Form 4506-T. Refer to the Fannie Mae Selling
Guide for additional alternatives.</td>
<tr>
</tr>
</tr>
</table>
<tr>

elvetica, sans-serif" size="4" color="#000000">Assets</td>
</tr>
</table>
<tr>
Roman" size="3">
20</td>
<td width="95%" valign="top">All net equit
y funds should be verified with a photocopy of the final settlement statement.
If the net equity is negative, the amount will be subtracted from the borrower's
available funds.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
21</td>
<td width="95%" valign="top">Funds in the
amount of $0.00 are required for closing. Available funds are insufficient by $
5000.00. Assets sufficient to close the loan must be from eligible sources, an
d must be qualified and verified.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
22</td>
Real Estate Owned section of the loan application, the borrower currently has a
property that is pending sale. If the property will not be sold prior to closin
g, the lender must verify that the borrower meets the reserve requirements for p
ending sale properties as specified in the Selling Guide.</td>
<tr>
</tr>
</tr>
</table>
<tr>
elvetica, sans-serif" size="4" color="#000000">Property and Appraisal Informa
tion</td>
</tr>
</table>
<tr>
Roman" size="3">
23</td>
<td width="95%" valign="top">Desktop Under
writer could not verify the submitted subject property address for this transact
ion. An appraisal based on an interior and exterior property inspection reporte
d on Form 1004 is required for one-unit properties; Form 1004C is required for m
anufactured homes; Form 1073 is required for units in condominium projects; Form
2090 is required for units in cooperative projects. Alternatively, you can mod
ify the subject address and resubmit to verify if the system can offer a more st
reamlined property fieldwork recommendation.</td>

<tr>
</tr>
</tr>
<tr>
Roman" size="3">
24</td>
<td width="95%" valign="top">Form 1004MC m
ust be completed for any transaction on which an appraisal is obtained. Refer t
o the Fannie Mae Selling Guide for additional information.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
25</td>
Actual vs. Estimated Appraised Value Indicator on the online loan application, t
he loan casefile was underwritten using an estimated value. When an appraisal f
or the transaction is obtained (if applicable), the appraised value on the onlin
e loan application must be updated with the value from the appraisal, and the lo
an casefile resubmitted to DU.</td>
<tr>
</tr>
</tr>
</table>
</center>
</div>
<center>
<tr>
face="Arial, Geneva, sans-serif" size="4" color="#003366">OBSERVATIONS</td>
</tr>
</table>
<tr>
Roman" size="3">
26</td>
<td width="95%" valign="top">This case was
submitted to Desktop Underwriter version 9.2 by DU ONLY - ETHOS LENDING LLC. T
he following information is associated with this loan: Casefile ID is 124054047
8 and Submission number is 1. If the loan is delivered to Fannie Mae, the Casef
ile ID must be provided at delivery.</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
27</td>
list of special feature codes is provided to assist you in determining which co
des may be associated with this loan. Other codes may be required. Refer to the
Fannie Mae Selling Guide for a comprehensive list.


<tr>
n" size="3">Special Feature Code</td>
<td width="50%" align="left">Descriptio
n</td>
</tr>
<tr>
size="3">127</td>
<td width="50%" align="left">DU Loan</td>
</tr>
<tr>
size="3">007</td>
<td width="50%" align="left">Limited Cashout Refinance</td>
</tr>
</table>
</div>
</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
28</td>
Credit Report information is associated with this submission:


<tr>
n" size="3">Borrower Name</td>
<td width="25%" align="left">Credit Age
ncy</td>
<td width="25%" align="left">Credit Rep
ort ID</td>
<td width="25%" align="left"> Credit Re
port Date</td>
</tr>
<tr>
size="3">Lorraine L Purchaser</td>
<td width="25%" align="left">200-TEST CRED
IT AGENCY</td>
<td width="25%" align="right">5004509</fon
t></td>
ont></td>
</tr>
<tr>
size="3">Patrick P Purchaser</td>
<td width="25%" align="left">200-TEST CRED
IT AGENCY</td>
<td width="25%" align="right">5004509</fon
t></td>
ont></td>
</tr>
</table>
</div>
</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
29</td>
credit scores were obtained by the credit agency selected by the user and are i
ncluded in the credit report:


<tr>
n" size="3">Borrower</td>
<td width="50%" align="left">Credit Sco
res</td>
</tr>
<tr>
<td width="50%" align="left">661 670 675</td>
</tr>
<tr>
<td width="50%" align="left">663 670 678</td>
</tr>
</table>
</div>
</td>
<tr>
</tr>
</tr>
<tr>

Roman" size="3">
30</td>
sources of income were used in the underwriting analysis:


<tr>
<td width="33%" align="left">Income Typ
e</td>
<td width="33%" align="left">Amount</fo
nt></td>
</tr>
<tr>
<td width="33%" align="left">Base employme
nt income</td>
<td width="33%" align="right">7250.00</fon
t></td>
</tr>
<tr>
<td width="33%" align="left">Boarder incom
e</td>
<td width="33%" align="right">650.00</td>
</tr>
<tr>
<td width="33%" align="left">Other income</td>
t></td>
</tr>
<tr>
<td width="33%" align="left">Base employme
nt income</td>
t></td>
</tr>
</table>
</div>
</td>
<tr>
</tr>
</tr>
<tr>
Roman" size="3">
31</td>
assets were counted towards available funds. With the exception of cash on han
d, all available funds greater than the amount required to close have been added
to cash reserves.


<tr>
<td width="25%" align="left">Asset Type
</td>
<td width="25%" align="left">Institutio
n Name</td>
<td width="25%" align="left">Amount</fo
nt></td>
</tr>
<tr>
<td width="25%" align="left">Real estate</td>
<td width="25%" align="left">Real Estate O
wned</td>
<td width="25%" align="right">-5000.00</fo
nt></td>
</tr>
</table>
</div>
</td>
<tr>
</tr>
</tr>
</table>
</center>
</div>
</body>
</html>
</FINDINGS>
<UNDERWRITING ANALYSIS>
<html>
<head>
<meta http-equiv="Content-Language" content="en-us">
<meta http-equiv="Content-Type"
content="text/html; charset=windows-1252
">
<title>Desktop Underwriter Analysis, Patrick P Purchaser</title>
</head>
<body>



<tr bgcolor="#FFFFFF">
<td width="100%" align="left" bgcolor="#003466"> Underwriting Analysis Report</td>
</tr>
</table>
<center>
<tr>
<td width="23%" align="left" valign="top">Recommendation</td>
0">Approve/Ineligible</td>
3366"> </td>
0"> </td>
</tr>
<tr>
color="#003366">Primary Borrower</td><td width="27%" valign="top">
Patrick P Purchaser
</td><td width="23%" align="left" valign="top">Co-Borrower</td><td width="27%" valign="top">Lorraine L Purchaser</td>
</tr>
<tr>
color="#003366">Lender Loan Number</td>
color="#000000">DI-C04</td>
3366">Casefile ID</td>
color="#000000">1240540478</td>
</tr>
<tr>
color="#003366">Submission Date</td>
color="#000000">05/07/2015 07:34PM</td>
3366">Submitted By</td>
color="#000000">l58b3ens</td>
</tr>
</table>

<tr>
<td width="100%" align="left" valign="top" bgcolor="#D1DEE9">PROPERTY INFORMATION</td>
</tr>
</table>
<tr>
color="#003366">Property Address</td>
1234 Main</td>
<td width="23%">Number of Units</td><td width="27%">1</td
>
</tr>
<tr>
Baltimore, MD 20600-1234</td>
#003366">Occupancy Status</td>
Primary Residence</td>
</tr>
<tr>
color="#003366">Property Type</td>
Attached</td><td width="3%" align="right" valign="top"></td>
<td width="23%" align="left" valign="top"></t
d>
</td>
</tr>
</table>

<tr>
<td width="100%" align="left" valign="top" bgcolor="#D1DEE9">MORTGAGE INFORMATION</td>
</tr>
</table>
<tr>
<td width="23%" align="left" valign="top">Loan Type</td>
Conventional</td><td width="30%" align="left" valign="top">LTV/CLTV/HCLTV</td>
>18.00% / 25.00% / 28.00%</td><td width="5%"></td>
</tr>
<tr>
2" color="#003366">Amortization Type</td>
Fixed Rate</td><td width="30%" align="left" valign="top">Loan Amount</td>
>$104000.00</td>
</tr>
<tr>
2" color="#003366">Balloon</td>
No</td><td width="30%" align="left" valign="top">Financed MI Amount</td>
>$0.00</td>
</tr>
<tr>
2" color="#003366">Community Lending</td>
ze="2" color="#003366">Total Loan Amount</td>
>$104000.00</td>
</tr>
<tr>
2" color="#003366">Payment Frequency</td>
Monthly</td><td width="30%" align="left" valign="top">Sales Price</td>
>$0.00</td>
</tr>
<tr>
2" color="#003366">Lien Type</td>
First Mortgage</td><td width="30%" align="left" valign="top">Actual/Estimated Appraised Value</td>
>$600000.00</td>
</tr>
<tr>
2" color="#003366">Amt. Subordinate Fin.</td>
$42142.00</td>
#003366">P&I</td>
>$526.95</td>
</tr>
<tr>
color="#003366">Loan Purpose</td>
Refinance</td><td width="30%" align="left" valign="top">Note Rate</td>
>4.500%</td>
</tr>
<tr>
color="#003366">Refi Purpose</td>
Limited Cash-Out</td><td width="30%" align="left" valign="top">Qualifying Rate</td>
>4.500%</td>
</tr>
<tr>
color="#003366">Owner Existing Mtg.</td>

Freddie Mac</td><td width="30%" align="left" valign="top">Bought Down Rate</td>
>0.00%</td>
</tr>
<tr>
color="#003366">Buydown</td>
ze="2" color="#003366">Term (Months)</td>
>360</td>
</tr>
</table>

<tr>
<td width="50%" align="left" valign="top" bgcolor="#D1DEE9">INCOME</td>
<td width="50%" align="left" valign="top" bgcolor="#D1DEE9">QUALIFYING RATIOS</td>
</tr>
</table>
<table width="95%" border="0" cellpadding="0">
<tr>
2" color="#003366">Base</td>
>$13916.67</td>
<td width="3%" align="right" valign="top"></td><td width="30%" align="left" vali
gn="top">Housing Expense</fon
t></td>
> 7.14%</td>
</tr>
<tr>
2" color="#003366">Commission</td>
>$0.00</td>
gn="top">Debt-to-Income</td>
> 7.14%</td>
</tr>
<tr>
2" color="#003366">Bonus</td>
>$0.00</td>
gn="top"></td>
></td>
</tr>
<tr>
2" color="#003366">Overtime</td>
>$0.00</td>
<td width="3%" align="right" valign="top"></td><td width="50%" align="left" cols
pan="2" valign="top" bgcolor="#D1DEE9">EXPENSE RATIOS</td>
</tr>
<tr>
2" color="#003366">Other</td>
>$2150.00</td>
gn="top">Including < 10
Mos.</td>
> 7.14%</td>
</tr>
<tr>
2" color="#003366">Positive Net Rental</td>
>$0.00</td>
gn="top">With Undisclosed Debt</td>
>16.40%</td>
</tr>
<tr>
color="#003366">Subj. Pos. Cash Flow</td>
>$0.00</td>
<td width="30%" align="left" valign="top"></f
ont></td>
></td>
</tr>
<tr>
color="#003366">Total</td>
>$16066.67</td>
ont></td>
></td>
</tr>
</table>

<tr>
="Arial, Geneva, sans-serif" size="3" color="#003366">PROPOSED MONTHLY PAYMEN
T</td>
</tr>
</table>
<table border="0" width="95%" cellpadding="0">
<tr>
2" color="#003366">First P&I (Qualifying)</td>
>$526.95</td><td width="3%" align="right" valign="top"></td>
3366">Negative Net Rental</td>
>$0.00</td>
</tr>
<tr>
2" color="#003366">Second P&I</td>
>$245.00</td>
#003366">Subj. Neg. Cash Flow</td>
>$0.00</td>
</tr>
<tr>
2" color="#003366">Hazard Insurance</td>
>$125.00</td>
#003366">All Other Payments</td>
>$0.00</td>
</tr>
<tr>
2" color="#003366">Taxes</td>
>$250.00</td>
#003366">Total Expense Payment</td>
>$1146.95</td>
</tr>
<tr>
2" color="#003366">Mortgage Insurance</td>
>$0.00</td>
ont></td>
></td>
</tr>
<tr>
2" color="#003366">HOA Fees</td>
>$0.00</td><td width="3%" align="right" valign="top"></td>

#003366">Present/Principal Housing Payment</td>
>$1366.07</td>
</tr>
<tr>
2" color="#003366">Other</td>
>$0.00</td>
3366"></td>
></td>
</tr>
<tr>
2" color="#003366">Total Housing Payment</td>
>$1146.95</td>
gn="top"></td>
></td>
</tr>
</table>

<tr>
="Arial, Geneva, sans-serif" size="3" color="#003366">FUNDS</td>
</tr>
</table>
<table border="0" width="95%" cellpadding="0">
<tr>
color="#003366">Total Available Assets</td>
>$0.00</td>
gn="top">Cash Back</td
>
>$43913.97</td>
</tr>
<tr>
2" color="#003366">Funds Required to Close</td>
>$0.00</td>
#003366">Net Cash Back</td>
>$38913.97</td>
</tr>
<tr>
2" color="#003366">Reserves Required to be Verified</td>

>$0.00</td>
#003366">Excess Available Assets, not required to be verified by DU</
td>
>$0.00</td>
</tr>
<tr>
2" color="#003366">Total Funds to be Verified</td>
>$0.00</td>
#003366"></td>
></td>
</tr>
</table>
</center>

<tr>
<td width="100%" bgcolor="#FFFFFF" align="left" valign="top">The recommendation for this case is: Approve/Ineligible</td>
</tr>
</table>

<tr>
<td width="100%" bgcolor="#FFFFFF" align="left" valign="top">Copyright (c) 1994-2015 Fannie Mae</td>
</tr>
</table>

</body>
</html>
</UNDERWRITING ANALYSIS>
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<CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY>
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NT_PATTERN>
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NT_PATTERN>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY BorrowerID="BORRBorrower" CreditLoanType="CreditCard" _Account
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RIODIC_LATE_COUNT>
IODIC_LATE_COUNT>
</_LATE_COUNT>
NT_PATTERN>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY BorrowerID="BORRBorrower BORRCoBorrower" CreditLoanType="Credi
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NT_PATTERN>
</CREDIT_LIABILITY>
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IODIC_LATE_COUNT>
</_LATE_COUNT>
NT_PATTERN>
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<CREDIT_COMMENT _Code="POA" _SourceType="TransUnion"></CREDIT_COMMENT>

</CREDIT_LIABILITY>
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</CREDIT_LIABILITY>
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NT_PATTERN>
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RIODIC_LATE_COUNT>
IODIC_LATE_COUNT>
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<CREDIT_COMMENT _Code="56" _SourceType="Experian"></CREDIT_COMMENT>
</CREDIT_LIABILITY>
<CREDIT_LIABILITY BorrowerID="BORRBorrower" CreditLoanType="HomeEquityLineOfCred
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countStatusType="Open" _AccountType="Mortgage" _HighBalanceAmount="9700" _Monthl
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</CREDIT_LIABILITY>
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<_HIGHEST_ADVERSE_RATING _Code=" " _Type="AsAgreed" _Date="2013-07"></_HIGHEST_A
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<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCC1CCCCC1" _StartDate="2015-03"></_P
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</CREDIT_LIABILITY>
<CREDIT_PUBLIC_RECORD _AccountOwnershipType="Individual" _BankruptcyAssetsAmount
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</CREDIT_PUBLIC_RECORD>
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><CREDIT_REPOSITORY _SourceType="MergedData"></CREDIT_REPOSITORY>
</CREDIT_PUBLIC_RECORD>
<CREDIT_INQUIRY _Date="2015-03-01" _Name="FARMERS TRUST"><CREDIT_REPOSITORY _Sou
rceType="MergedData"></CREDIT_REPOSITORY>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2015-04-01" _Name="MOBIL OIL"><CREDIT_REPOSITORY _SourceT
ype="MergedData"></CREDIT_REPOSITORY>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2014-11-10" _Name="SEARS"><CREDIT_REPOSITORY _SourceType=
"MergedData"></CREDIT_REPOSITORY>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2015-04-01" _Name="DELL COMPUTERS"><CREDIT_REPOSITORY _So
urceType="MergedData"></CREDIT_REPOSITORY>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2015-03-01" _Name="NLE FINANCIAL"><CREDIT_REPOSITORY _Sou
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2015-02-15" _Name="SMG FINANCIAL"><CREDIT_REPOSITORY _Sou
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2015-02-01" _Name="PROVIDENT BANK"><CREDIT_REPOSITORY _So
urceType="MergedData"></CREDIT_REPOSITORY>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2015-01-01" _Name="BELL ATLANTIC MOBILE"><CREDIT_REPOSITO
RY _SourceType="MergedData"></CREDIT_REPOSITORY>
</CREDIT_INQUIRY>
<CREDIT_INQUIRY _Date="2014-12-05" _Name="J I KISLAK BANK"><CREDIT_REPOSITORY _S
ourceType="MergedData"></CREDIT_REPOSITORY>
</CREDIT_INQUIRY>
<CREDIT_SCORE BorrowerID="BORRBorrower" CreditRepositorySourceType="Equifax" _Mo
delNameType="EquifaxBeacon5.0" _Value="670"></CREDIT_SCORE>
<CREDIT_SCORE BorrowerID="BORRCoBorrower" CreditRepositorySourceType="Equifax" _
ModelNameType="EquifaxBeacon5.0" _Value="678"></CREDIT_SCORE>
<CREDIT_SCORE BorrowerID="BORRBorrower" CreditRepositorySourceType="TransUnion"
_ModelNameType="FICORiskScoreClassic04" _Value="661"></CREDIT_SCORE>
<CREDIT_SCORE BorrowerID="BORRCoBorrower" CreditRepositorySourceType="TransUnion
" _ModelNameType="FICORiskScoreClassic04" _Value="670"></CREDIT_SCORE>
<CREDIT_SCORE BorrowerID="BORRBorrower" CreditRepositorySourceType="Experian" _M
odelNameType="ExperianFairIsaac" _Value="675"></CREDIT_SCORE>
<CREDIT_SCORE BorrowerID="BORRCoBorrower" CreditRepositorySourceType="Experian"
_ModelNameType="ExperianFairIsaac" _Value="663"></CREDIT_SCORE>
</CREDIT_RESPONSE>
</RESPONSE_DATA>
</RESPONSE>
</RESPONSE_GROUP>
Content-Disposition: form-data; name="CREDITREPORT_FLATFILE_999121234"; filename
="CREDITREPORT_FLATFILE_999121234"
H00174 5004509
01J200200-TEST CREDIT AGENCY
S001172 05012015PURCHASER
PATRICK
999121234PURCHASER
LORRAINE
999565678
A001115 B1
1234 MAIN STREET
IMORE
MD20600
O1 7
P00182
14 0720140720149 I400
0
400
P00182
14 0720130720139
I75
75
BALT
7
7
I00144 FARMERS TRUST

030120157
I00144 MOBIL OIL
040120157
I00144 SEARS
111020147
I00144 DELL COMPUTERS
040120157
I00144 NLE FINANCIAL
030120157
I00144 SMG FINANCIAL
021520157
I00144 PROVIDENT BANK
020120157
I00144 BELL ATLANTIC MOBILE
010120157
I00144 J I KISLAK BANK
120520147
C001262 J
CALIBER BANK
2233445
0
1IINS
0720010920067500
P0.00
60 0
P0420150820061111111111111
11111111111
0
0 0 0 0 0 0 0 0 0 0 0 0 E0123
7
C001262 J
LIABILITY BANK
1IINS
0920081120128129
P0.00
48 0
11111111111
0
0 0 0 0 0
7
C001262 1
BACK BREAKING LOANS
1IINS
06200804201539697
P0.00
120 0
11111111111
0
0 0 0 0 0
7
C001262 1
CREDIT LOSER CARD
1RCC
04199704201512500
P0.00
0
11111111111
0
0 0 0 0 0
7
C001262 J
APPALLING CHARGE
1RCC
0120060420151300
P0.00
0
11111111111
0
0 0 0 0 0
7
C001262 J
MERRY CREDIT
1RCC
0720100420152747
P79.00
2663
11111111111
0
0 0 0 0 0
T0112
7
C001262 J
POLITE CREDIT
1RCC
0520070420155900
P10.00
253
11111111111
0
0 0 0 0 0
7
C001262 J
NO NONSENSE CREDIT
1RCC
0520080420153560
P75.00
2530
11111111111
0
0 0 0 0 0
7
C001262 J
SANE CREDIT
1RCC
022009042015150
P25.00
81
11111111111
0
0 0 0 0 0
7
C001262 1
TROUBLING CARDS
1RCC
01201304201513750
P100.00
2000
11111111111
0
0 0 0 0 0
E0127
7
C001262 1
ACE MORTGAGE
1MRM
062008042015106701 P746.07 360 98514.03
11111111111111111111111
0
0 0 0 0 0
7
C001262 1
BEST MORTGAGE
1MRM
01201404201523000
P233.29 180 22754.08
11111111111111111111111
0
0 0 0 0 0
7
C001262 1
ENLIGHTENED BANK
1MHE
0120090420159700
P245.00 120 3000
11111111111111111111111
0
0 0 0 0 0
7
C001262 J
TALBOTS
1RCC
1020000420151000
P0.00
0
111111112111112
0720130
2 0 0 0 0
7
R00146 O1 131+00670
1
R00146 O1 132+00678
1
R00146 O3 141+00661
1
R00146 O3 142+00670
1
R00146 O2 6 1+00675
1
R00146 O2 6 2+00663
1
T0018
752479
0
P0420151020121111111111111
0 0 0 0 0 0 0 E0123
347853
1
P0420150320151111111111111
0 0 0 0 0 0 0 E0123
66
1
P0420150320151111111111111
0 0 0 0 0 0 0 E0123
7
0
P0420150320151111111111111
0 0 0 0 0 0 0 E0123
13584
0
S0420150320151111111111111
0 0 0 0 0 0 0 E0127
4567890
0
S0420150320151111111111111
0 0 0 0 0 0 0 E0127
4569817
0
S0420150320151111111111111
0 0 0 0 0 0 0 E0127
721987
0
S0420150320151111111111111
0 0 0 0 0 0 0 E0127
234
1
S0420150320151111111111111
0 0 0 0 0 0 0 T0112
478453
1
S0420150320151111111111111
0 0 0 0 0 0 0 T0112
316157
1
S0420150320151111111111111
0 0 0 0 0 0 0 R0111
5566778
1
S0420150320151111111111111
0 0 0 0 0 0 0 R0111
24543
0
P0420150320151111111111111
0 2 0 0 0 0 0 E0123
----------ieoau._._+2_8_GoodLuck8.3-ds0d0J0S0Kl234324jfLdsjfdAuaoei-------

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----------ieoau._._+2_8_GoodLuck8.

3-ds0d0J0S0Kl234324jfLdsjfdAuaoei----Content-type: text/plain; charset=UTF-8

come; otherwise, additional documentation must be obtained. If a standard Verifi

<GuideReference GuideType="01" GuideReferenceIdentifier="NIL" GuideLinkAddre

<GuideReference GuideType="01" GuideReferenceIdentifier="" GuideLinkAddress=

equencyTypeCode="01" AssetsToVerifyAmount="0.00" PercentSellerContribution="0.00

<MajorDerogatoryCreditDetail Type="1" Count="0"/>

SPOUSE: PURCHASER, LORRAINE

2) LIABILITY BANK 752479 - Installment

3) BACK BREAKING LOANS 347853 - Installment

4) CREDIT LOSER CARD 66 - Revolving

5) APPALLING CHARGE 7 - Revolving

6) MERRY CREDIT 13584 - Revolving

7) POLITE CREDIT 4567890 - Revolving

8) NO NONSENSE CREDIT 4569817 - Revolving

9) SANE CREDIT 721987 - Revolving

10) TROUBLING CARDS 234 - Revolving

11) ACE MORTGAGE 478453 - Mortgage

12) BEST MORTGAGE 316157 - Mortgage

13) ENLIGHTENED BANK 5566778 - Mortgage

14) TALBOTS 24543 - Revolving

******************************** PUBLIC RECORDS ********************************

<td width="23%" align="left" valign="top"><font face="Arial" size="2" color="#00

<td width="27%" align="left"><font face="Arial" size="2" color="#0

face="Arial, Geneva, sans-serif" size="4" color="#003366"><b>POTENTIAL RED FLAG

<td width="95%" align="left" valign="top" bgcolor="#CCCCCC"><font face="Arial, H

reamlined property fieldwork recommendation.</font></td>

<td width="5%" align="left" valign="top"><b><font face="Times New

<td width="100%" align="left" bgcolor="#003466"><font face="Arial" size=

<td width="23%"><b><font face="Arial" size="2" color="#003366">Number of Units</

<td width="27%" align="left" valign="top"><font face="Times New Roman" size="3">

>$0.00</font></td><td width="3%" align="right" valign="top"></td>

2" color="#003366">Reserves Required to be Verified</font></b></td>

City="BALTIMORE" _PostalCode="20600" _State="MD" _StreetAddress="1234 MAIN STREE

<_PAYMENT_PATTERN _Data="CCCCCCCCCCCCCCCCCCCCCCCC" _StartDate="2015-03"></_PAYME

<CREDIT_COMMENT _Code="POA" _SourceType="TransUnion"></CREDIT_COMMENT>

<CREDIT_LIABILITY BorrowerID="BORRBorrower" CreditLoanType="CreditCard" _Account

ype="Individual" _AccountReportedDate="2015-04" _AccountStatusDate="2015-04" _Ac

I00144 FARMERS TRUST

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