Solved

PHP Update Multiple Fields

Posted on 2011-02-19
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Last Modified: 2012-05-11
Hi,

I have the following update that works correctly updating the severityKey field.  The problem is that I can't find the correct syntax for updating the rest of the fields.  Any help is appreciated.  Thank you.

           $catArray=$_POST['cat'];
           $descArray=$_POST['desc'];
           $verbArray=$_POST['verb'];
<?php
	include 'include/userConnect.php';
error_reporting(E_ALL);
           $userIDKey=$userListRow['id'];
           $catArray=$_POST['cat'];
           $descArray=$_POST['desc'];
           $sevArray=$_POST['sev'];
           $verbArray=$_POST['verb'];
$i = 0;
        foreach ( $sevArray as $editID => $value) {
        // Set custom severity and custom verbiage
        $update="UPDATE finding SET severityKey='$value' WHERE findingKey=$editID";
     
        $updateRow=mysql_query($update)or die(mysql_error());
        $i++;

       }


       ?>

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Question by:rcowen00
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14 Comments
 
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Expert Comment

by:andreizz
Comment Utility
UPDATE table_name
SET column1=value, column2=value2,...
WHERE some_column=some_value

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http://www.w3schools.com/sql/sql_update.asp
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Author Comment

by:rcowen00
Comment Utility
I apologize for not being clear.  I use this line to get the item to update and I don't know the correct syntax for using the remaining fields.
foreach ( $sevArray as $editID => $value)
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Expert Comment

by:andreizz
Comment Utility
I don't understand from where do you get an array from the $_POST variables, normally it should be something like this:
  $update="UPDATE finding SET";
foreach ( $_POST as $key => $value) {
       if($key!="submit") 
            $update.=$key."=".$value;
}
$update="WHERE findingKey=$editID";
$updateRow=mysql_query($update)or die(mysql_error());

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Expert Comment

by:andreizz
Comment Utility
$update="WHERE findingKey=$editID";
 this is not correct i forgot it, just replace with your where condition.
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Author Comment

by:rcowen00
Comment Utility
I've attached where I get the array info from (lines 128 - 191.  I will try your suggestion.
<!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN http: //www.w3.org/TR/html4/loose.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en" xml:lang="en">
<head>
<meta http-equiv="refresh" content="text/html;charset=utf-8"/>
</head>

<body>
<form enctype="multipart/form-data" method="POST" action="<?php echo $_SERVER['PHP_SELF'].'?'.$_SERVER['QUERY_STRING']; ?>">
<?php error_reporting(E_ALL);
require_once ("include/userConnect.php");
?>

  
        <br/><br/>
<table class="tablesorter" id="addFinding" cellspacing="1" cellpadding="0" >
       
            <thead>
            <th>Select Category</th>
            <th>Standard Severity</th>
            <th>Red Flag</th>
            <th>Enter Short Description</th>
            <th>Standard Verbiage</th>
        </thead>
        <tbody>
        <td width="350px"><select class="mainSelect" id="category" name="category">
                 <?php
                 $category = "SELECT * FROM  findingCategory WHERE active='1'ORDER BY findingCategoryName";
                 $categoryList = mysql_query($category) or die(mysql_error());
                 $categoryRow = mysql_fetch_array($categoryList);
                 $findingCategoryKey = $categoryRow['findingCategoryKey'];
                 $findingCategoryName = $categoryRow['findingCategoryName'];
                 echo "<option value=\"$findingCategoryKey\">$findingCategoryName</option>\n";
                 $category = "SELECT * FROM  findingCategory WHERE  findingCategoryKey  != '$findingCategoryKey'";
                 $categoryList = mysql_query($category) or die(mysql_error());
                 while ($categoryRow = mysql_fetch_array($categoryList))
                     {
                     $findingCategoryKey = $categoryRow['findingCategoryKey'];
                     $findingCategoryName = $categoryRow['findingCategoryName'];
                     echo "<option value=\"$findingCategoryKey\">$findingCategoryName</option>\n";
                     
                     }

                     ?>
            </select></td>
            <td><select class="mainSelect" id="severity" name="severity">
                 <?php
                 $severity = "SELECT * FROM  severity WHERE active='1'ORDER BY severity";
                 $severityList = mysql_query($severity) or die(mysql_error());
                 $severityRow = mysql_fetch_array($severityList);
                 $severityKey = $severityRow['severityKey'];
                 $severitydesc = $severityRow['severitydesc'];
                 echo "<option value=\"$severityKey\">$severityKey $severitydesc</option>\n";
                 $severity = "SELECT * FROM  severity WHERE severityKey  != '$severityKey'";
                 $severityList = mysql_query($severity) or die(mysql_error());
                 while ($severityRow = mysql_fetch_array($severityList))
                     {
                     $severityKey = $severityRow['severityKey'];
                     $severitydesc = $severityRow['severitydesc'];
                     echo "<option value=\"$severityKey\">$severityKey  $severitydesc</option>\n";

                     }

                     ?>
            </select></td>
            <td><select class="mainSelect" id="redFlag" name="redFlag">
                 <?php
                 $redFlag = "SELECT * FROM  yesNo ORDER BY yesNoName";
                 $redFlagList = mysql_query($redFlag) or die(mysql_error());
                 $redFlagRow = mysql_fetch_array($redFlagList);
                 $redFlagKey = $redFlagRow['yesNoKey'];
                 $redFlagName = $redFlagRow['yesNoName'];
                 echo "<option value=\"$redFlagKey\">$redFlagName</option>\n";
                 $redFlag = "SELECT * FROM  yesNo WHERE yesNoKey  != '$redFlagKey'";
                 $redFlagList = mysql_query($redFlag) or die(mysql_error());
                 while ($redFlagRow = mysql_fetch_array($redFlagList))
                     {
                     $redFlagKey = $redFlagRow['yesNoKey'];
                     $redFlagName = $redFlagRow['yesNoName'];
                     echo "<option value=\"$redFlagKey\">$redFlagName</option>\n";

                     }

                     ?>
            </select></td>
        <td><input class="mainText" id="shortDesc" style="width: 300px; height: 75px;" name="shortDesc" type="text" value=""/></td>
        <td><input class="mainText" id="findingVerb" style="width: 500px; height: 75px;" name="findingVerb" type="text" value=""/></td>
        <td><input type="submit" name="addFinding" value="Add a New Finding"></td>
        </table>
        <br/><input type="submit" name="inactiveFinding" value="Inactivate a Finding"><input type="submit" name="updateFinding" value="Update Finding">
        <br/>
        <table  id="findingStandard" cellspacing="1" cellpadding="0" width="100%" border="2" >
            <thead align="center" style="font-family:verdana; color:black; background-color:lightgrey">
                <tr>
                    <th>Select</th>
                   
                    <th>Finding Key</th>
                    <th>Finding Category</th>
                    <th>Short Description</th>
                    <th>St Severity</th>
                    <th>Red Flag</th>
                    <th>Standard Verbiage</th>
                </tr>
            </thead>
            
            <tbody>
<?php

//list all findings
$finding= "SELECT * FROM finding JOIN findingCategory USING (findingCategoryKey) JOIN yesNo ON finding.redFlag=yesNo.yesNoKey WHERE finding.active='1' ORDER BY findingCategoryName";
		
$findingList = mysql_query($finding) or die(mysql_error());

while ($findingRow = mysql_fetch_array($findingList))

{
    $findingKey = $findingRow['findingKey'];
    $severity = $findingRow['severityKey'];
    $description = $findingRow['description'];
    $findingVerbiage = $findingRow['findingVerbiage'];
    $redFlagName = $findingRow['yesNoName'];
    $parentKey = $findingRow['parentKey'];
    $childKey = $findingRow['childKey'];
    $findingCategoryName = $findingRow['findingCategoryName'];
    $findingCategoryKey = $findingRow['findingCategoryKey'];
?>
    
    <tr>
          <td><input type="checkbox"  value="<?php echo $findingKey;?>" style="width:25px" name="findingselect[]" /></td>
        <td><?php echo $findingKey;?></td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <?php
                 $category = "SELECT * FROM  findingCategory WHERE active='1' AND findingCategoryKey='$findingCategoryKey'";
                 $categoryList = mysql_query($category) or die(mysql_error());
                 $categoryRow = mysql_fetch_array($categoryList);
                 $findingCategoryKey = $categoryRow['findingCategoryKey'];
                 $findingCategoryName = $categoryRow['findingCategoryName'];
                 echo "<option value=\"$findingCategoryKey\">$findingCategoryName</option>\n";
                 $category = "SELECT * FROM  findingCategory WHERE  findingCategoryKey  != '$findingCategoryKey' ORDER BY findingCategoryName";
                 $categoryList = mysql_query($category) or die(mysql_error());
                 while ($categoryRow = mysql_fetch_array($categoryList))
                     {
                     $findingCategoryKey = $categoryRow['findingCategoryKey'];
                     $findingCategoryName = $categoryRow['findingCategoryName'];
                     echo "<option value=\"$findingCategoryKey\">$findingCategoryName</option>\n";

                     }

                     ?>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"><?php echo $description;?></textarea></td>
        <td><select id="sev" name="sev[<?php echo $findingKey;?>]">
                 <?php
                 $severity = "SELECT * FROM  severity WHERE active='1'AND severityKey='$severity'";
                 $severityList = mysql_query($severity) or die(mysql_error());
                 $severityRow = mysql_fetch_array($severityList);
                 $severityKey = $severityRow['severityKey'];
                 $severitydesc = $severityRow['severitydesc'];
                 echo "<option value=\"$severityKey\">$severitydesc</option>\n";
                 $severity = "SELECT * FROM  severity WHERE severityKey  != '$severityKey'";
                 $severityList = mysql_query($severity) or die(mysql_error());
                 while ($severityRow = mysql_fetch_array($severityList))
                     {
                     $severityKey = $severityRow['severityKey'];
                     $severitydesc = $severityRow['severitydesc'];
                     echo "<option value=\"$severityKey\">$severityKey  $severitydesc</option>\n";

                     }

                     ?>
            </select></td>
        <td><select id="flag" name="flag">
                 <?php
                 $redFlag = "SELECT * FROM  yesNo WHERE yesNoKey='$redFlagKey'";
                 $redFlagList = mysql_query($redFlag) or die(mysql_error());
                 $redFlagRow = mysql_fetch_array($redFlagList);
                 $redFlagKey = $redFlagRow['yesNoKey'];
                 $redFlagName = $redFlagRow['yesNoName'];
                 echo "<option value=\"$redFlagKey\">$redFlagName</option>\n";
                 $redFlag = "SELECT * FROM  yesNo WHERE yesNoKey  != '$redFlagKey'";
                 $redFlagList = mysql_query($redFlag) or die(mysql_error());
                 while ($redFlagRow = mysql_fetch_array($redFlagList))
                     {
                     $redFlagKey = $redFlagRow['yesNoKey'];
                     $redFlagName = $redFlagRow['yesNoName'];
                     echo "<option value=\"$redFlagKey\">$redFlagName</option>\n";

                     }

                     ?>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[<?php echo $findingKey;?>]" rows="5" cols="100"><?php echo $findingVerbiage;?></textarea></td>
        
        
        <?php
        
        }
       
        ?>
        </tbody>
</table>
        
</form>
</body>

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Expert Comment

by:andreizz
Comment Utility
ok, i'm sorry but your way of coding is pretty complicated and i can't figure it out easily, try a more simpler way with the method above.

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LVL 108

Expert Comment

by:Ray Paseur
Comment Utility
Could you please post the HTML that is generated by the script at ID:34934403?  Just do a view source and post the HTML in the code snippet.  I would like to see the form input controls that the script creates.  Thanks, ~Ray
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Author Comment

by:rcowen00
Comment Utility
here you go Ray
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
    <title>ERM QC &#150; Loan Review</title>
<link rel="stylesheet" type="text/css" href="css/ermQCStyle.css" media="all" />
<link rel="stylesheet" type="text/css" href="css/tableStyle.css" media="all" />
<link rel="stylesheet" type="text/css" href="css/formStyle.css" media="all" />
<meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
<meta name="language" content="en-US" />
<meta name="author" content="Roderick Divilbiss" />
<meta name="copyright" content="&copy; 2010 EE Collaborative Login Project http://www.webloginproject.com" />
</head>

<body>
   
	<div id="wrapper">
		<div id="header">
			<div id="headerContent">
				
<h1><a class="logo" href="home.php"><span>ERM QC &#150; The Premier Mortgage Quality Control Organization</span></a></h1>
<h2><span class="welcome">Welcome agonzalez</span><span class="hidden">:</span><span class="timeDate">2011-02-19 16:29:14</span></h2>
<form id="headerSearch" action="search.php" method="post">
    <div>
        <h3><span>Quick Search:</span></h3>
        <input class="searchText" id="searchCriteria" name="searchCriteria" type="text" value="Enter Search Criteria" onclick="this.value=='Enter Search Criteria'?this.value='':''" onblur="this.value==''?this.value='Enter Search Criteria':''" />
        <select class="searchSelect" id="searchCategory" name="searchCategory">
            <option value="">Search Category</option>
            <option value="loanNumber">Loan Number</option>
            <option value="borrowerLast">Borrower Last Name</option>
        </select>
        <input class="headerSubmit" id="searchLoan" name="searchLoan" type="submit" value="Go" />
    </div>
</form>
<br class="clear" />
<ul id="headerNav">
    <li><a href="home.php" title="Home">Home</a></li>
    <li><a href="clientSetup.php" title="clientSetup">Client Setup</a></li> 
    <li><a href="clientList.php" title="clientList">Client List</a></li>
    <li><a href="clientLoans.php" title="clientLoans">Client Loans</a></li>  
    <li><a href="loanSetup.php" title="loanSetup">Loan Setup</a></li>
    <li><a href="received.php" title="received">Loan Receipt</a></li>
    <li><a href="assignLoan.php" title="assignLoan">Assign Loans</a></li>
    <li><a href="reprocessingMgmt.php" title="reprocessingMgmt">Re-Processing Mgmt</a></li>
    <li><a href="auditMgmt.php" title="auditMgmt">Audit Management</a></li>
    <li><a href="reports.php" title="reports">Reports</a></li>
    <li><a href="supportTables.php" title="supportTables">Support Tables</a></li>
    <li><a href="addUsers.php" title="addUsers">User Management</a></li>
      <li class="headerRight"><a href="login-system/logout.php" title="Logout">Logout</a></li>
</ul>			</div>
                             <div id="mainData"><center><br/><br/><br/><br/>
                                        <!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN http: //www.w3.org/TR/html4/loose.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en" xml:lang="en">
<head>


</head>
<form enctype="multipart/form-data" method="POST" action="/reviewLoan.php?auditID=230">
    <body>
        
    <input class="hidden" id="auditID" name="auditID" type="hidden" value="230" />
            <table class="tablesorter" id="loanInfo" cellspacing="1" cellpadding="0">
            <thead>
            <tr>
            <th>Loan Number</th>
            <th>Borrower</th>
            <th>Client</th>
            <th>Audit Type</th>
            <th>Tracking Date</th>
            <th>Selection Date</th>
            <th>Auditor</th>
            <th>Assigned Date</th>
            <th>Audit Begin Date <input type="submit" name="updateBeginDt" value="Now"></th>
            <th>Audit Completed Date <input type="submit" name="updateEndDt" value="Now"></th>
            
            </tr>
            
            </thead>
            
	    <tbody>
                <tr>
                         <td><a href="loanProfile.php?loanKey=392" title="Loan Profile">20254585</a></td>
             <td>Cowen, Denise</td>
             
             <td>Anywhere Mortgage</td>
             <td><select class="mainSelect" id="auditType" name="auditType">
             <option value="1">Random</option>
<option value="2">Target</option>
<option value="3">Branch</option>
<option value="4">Denied/Cancelled</option>
<option value="5">Reverse Mortgage</option>
<option value="6">Early Payment Defaults</option>
<option value="9">Compliance</option>
                     </select></td>
             <td><input class="mainText" id="trackingDate" name="trackingDate" type="date" value="2011-01-01"/></td>
             <td><input class="mainText" id="selectionDate" name="selectionDate" type="date" value="2011-01-22"/></td>
             <td><select class="mainSelect" id="uw" name="uw">
                 <option value="21">agonzalez</option>
<option value="2">dcowen</option>
<option value="22">tmccartney</option>
<option value="23">mserena</option>
<option value="24">ahunter</option>
<option value="25">mbusseau</option>
<option value="26">lmaine</option>
            </select></td>
             <td><input class="mainText" id="dateAssigned" name="dateAssigned" type="date" value="2011-01-22"/></td>
             <td><input class="mainText" id="auditBeginDt" name="auditBeginDt" type="date" value="2011-02-14"/></td>
             <td><input class="mainText" id="auditCompletedDt" name="auditCompletedDt" type="date" value="2011-02-11"/></td>
             
             <td><input type="submit" name="updateAudit" value="Update Audit"></td>
             </tr>
             </tbody>
             </table>
    <table>
        <tr>
            <td> <a href='reprocessing.php?auditID=230'> Reprocessing </a></td>
            <td> <a href='convoLog.php?auditID=230'> Conversation Log </a></td>
            </tr>
            <tr>
            <td> <a href='include/reports/rIndividual.php?auditID=230' target='blank'> Individual Report </a></td>
            <td> <a href='include/reports/rAuditSnapshot.php?auditID=230'> Audit Snapshot </a></td>

        </tr>
    </table>
    <br/><br/>
</form>
</body>
</html><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN http: //www.w3.org/TR/html4/loose.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en" xml:lang="en">
<head>


</head>
<form enctype="multipart/form-data" method="POST" action="/reviewLoan.php?auditID=230">
<body>
    
        <table class="tablesorter" id="addFinding" cellspacing="1" cellpadding="0">
        <tbody>
            <tr>
                <th>Exception List</th>

                <th></th>
            </tr>
            <tr>
                <td>
                    <select class="mainSelect" id="code" name="code"/>
 <br />
<b>Notice</b>:  Undefined index:  findingCategoryName in <b>/home/loanmod1/domains/ermqc.com/private_html/include/forms/reviewLoanMarkup.php</b> on line <b>39</b><br />
<option value="NULL"></option>
<option value="1">Application Incomplete 1003</option>
<option value="2">Application Missing pages of the application.</option>
<option value="3">Application </option>
<option value="4">Application Unsigned or undated application.</option>
<option value="5">Application Employer’s address shown only as a post office box</option>
<option value="6">Application Significant or unrealistic commute distance.</option>
<option value="7">Application Downgrading from a larger or more expensive house.</option>
<option value="8">Application Property recently acquired.</option>
<option value="9">Application Borrower intends to rent or sell current residence</option>
<option value="10">Application Buyer currently resides in property.</option>
<option value="11">Application Same telephone number for borrower and employer.</option>
<option value="12">Application Significant changes from handwritten to type appli</option>
<option value="13">Application Initial application not located</option>
<option value="14">Application Application - Joint Credit</option>
<option value="15">Application No boxes checked</option>
<option value="16">Application Misc Application</option>
<option value="38">Approval Misc Approval</option>
<option value="39">Closing Documents Incomplete File</option>
<option value="40">Closing Documents Acknowledgment of Borrower Identity is incomplete</option>
<option value="41">Closing Documents Signature Affidavit does not reflect all AKA's</option>
<option value="42">Closing Documents Inconsistent Legal Description</option>
<option value="43">Closing Documents Incomplete Note</option>
<option value="44">Closing Documents Missing 1008</option>
<option value="45">Closing Documents Misc Closing Documents</option>
<option value="46">Comment Field/Desk Review</option>
<option value="47">Comment Miscellaneous Comment</option>
<option value="48">Credit Report Unpaid CR Debts</option>
<option value="49">Credit Report 12 month mortgage history missing</option>
<option value="50">Credit Report Missing mortgage payment evidence</option>
<option value="51">Credit Report Findings on review credit report</option>
<option value="52">Credit Report No credit history</option>
<option value="53">Credit Report Invalid Social Security number or variance from th</option>
<option value="54">Credit Report Duplicate Social Security number or additional use</option>
<option value="55">Credit Report Recently issued Social Security number.</option>
<option value="56">Credit Report Liabilities shown on credit report that are not on</option>
<option value="57">Credit Report Significant differences between original and new c</option>
<option value="58">Credit Report Also Known As (AKA) or Doing Business As (DBA) ind</option>
<option value="59">Credit Report Recent inquiries from other mortgage lenders.</option>
<option value="60">Credit Report Missing credit report</option>
<option value="61">Credit Report </option>
<option value="62">Disclosures Certificate of Loans to One Borrower incomplete.</option>
<option value="63">Disclosures 4506 incomplete.</option>
<option value="64">Disclosures Prepayment Disclosure incomplete</option>
<option value="65">Disclosures Signature Authorization</option>
<option value="66">Disclosures Misc Disclosures</option>
<option value="67">Documents Misc Documents</option>
<option value="68">Employment QA unable to verify VOE</option>
<option value="69">Employment Missing Verbal VOE</option>
<option value="70">Employment Employer's Address.</option>
<option value="71">Employment Evidence of “white-out” or alterations.</option>
<option value="72">Employment Numbers that appear to be “squeezed”.</option>
<option value="73">Employment Employer unable to be contacted.</option>
<option value="74">Employment Handwritten VOE, pay stubs, or W-2 forms.</option>
<option value="75">Employment W-2 form presented is not the employee’s copy.</option>
<option value="76">Employment Overlaps in current and prior employment dates.</option>
<option value="77">Employment VOE is addressed to a particular person’s attentio</option>
<option value="78">Employment </option>
<option value="79">Funds Recently opened account.</option>
<option value="80">Funds Even dollar amounts.</option>
<option value="81">Funds Evidence of “white out” or alterations.</option>
<option value="82">Funds Evidence of “squeezed” numbers.</option>
<option value="83">Funds Significant change in balance over previous two mo</option>
<option value="84">Funds Illegible signatures.</option>
<option value="85">Funds Variation in font type.</option>
<option value="86">Funds Account includes names of persons not party to the</option>
<option value="87">Funds Gift donor is an interested party.</option>
<option value="88">Funds Source of funds was unverified gift, equity exchan</option>
<option value="89">Funds Large dollar amounts in checking or savings accoun</option>
<option value="90">Funds Misc Funds</option>
<option value="91">Identification Misc Identification</option>
<option value="92">Income QA unable to determine income</option>
<option value="93">Income Real estate taxes or mortgage interest paid, but n</option>
<option value="94">Income Tax returns not signed or dated or not filed.</option>
<option value="95">Income Income appears to be out of line with type of empl</option>
<option value="96">Income Borrower with substantial cash in bank reporting l</option>
<option value="97">Income Tax returns filed with IRS show lower income than </option>
<option value="98">Income Different handwriting or type style within documen</option>
<option value="99">Income Even dollar amount in year-to-date or past-year ea</option>
<option value="100">Income No income in file</option>
<option value="101">Income Misc Income</option>
<option value="102">Insurance Standard Flood Determination</option>
<option value="103">Insurance Insufficient hazard insurance coverage</option>
<option value="104">Insurance Flood Determination Not in File</option>
<option value="105">Insurance Preliminary Title Report - Missing</option>
<option value="106">Insurance Hazard Insurance Policy</option>
<option value="107">Insurance Misc Insurance</option>
<option value="108">Legal Documents Interviewer Signature incomplete</option>
<option value="109">Legal Documents Missing Note</option>
<option value="110">Legal Documents Terms of the closed mortgage differ from terms app</option>
<option value="111">Legal Documents Unusual credits or disbursements shown on settleme</option>
<option value="112">Legal Documents Power of attorney used.</option>
<option value="113">Legal Documents Evidence of alterations without initials.</option>
<option value="114">Legal Documents Reference to other undisclosed financing.</option>
<option value="115">Legal Documents Reference to another escrow.</option>
<option value="116">Legal Documents Substantial cash proceeds to seller or cash back t</option>
<option value="117">Legal Documents Substantial cash paid outside of escrow to seller.</option>
<option value="118">Legal Documents Zero proceeds to seller.</option>
<option value="119">Legal Documents Delinquent property taxes.</option>
<option value="120">Legal Documents Seller owned property for short time with cash out</option>
<option value="121">Legal Documents Sales price changed to fit the appraisal.</option>
<option value="122">Legal Documents How App. Was taken</option>
<option value="123">Legal Documents Interviewer's Signature differs</option>
<option value="124">Legal Documents Misc Legal Documents</option>
<option value="125">Liabilities Misc Liabilities</option>
<option value="126">NONE No Exception Noted</option>
<option value="127">Occupancy Distance of Residency to Employment in Question</option>
<option value="128">Occupancy </option>
<option value="190">Re-Processing Results Occupancy Certification Returned</option>
<option value="191">Re-Processing Results Employment loss prior to closing</option>
<option value="192">Re-Processing Results Employment loss after closing</option>
<option value="129">REGULATORY Itemized HUD 1</option>
<option value="130">REGULATORY FHA Statutory Investment</option>
<option value="131">REGULATORY Affiliated Business Disclosure incomplete</option>
<option value="132">REGULATORY Incorrect HUD Form</option>
<option value="133">REGULATORY Adverse Action Notice</option>
<option value="134">REGULATORY Adverse Action Notice Incomplete</option>
<option value="135">REGULATORY GFE not sent within required time frame</option>
<option value="136">REGULATORY Inaccurate GFE and HUD Fees</option>
<option value="137">REGULATORY Adverse Action Notice Credit Agency</option>
<option value="138">REGULATORY YSP not indicated on the GFE</option>
<option value="139">REGULATORY Appraisal Disclosure missing</option>
<option value="140">REGULATORY Adverse Action Notice Complaint</option>
<option value="141">REGULATORY Adverse Action Timely Notice</option>
<option value="142">REGULATORY Inaccurate Payment Stream on TIL</option>
<option value="143">REGULATORY Final TIL indicates 'E' for Estimate</option>
<option value="144">REGULATORY Affiliated Business Disclosure missing</option>
<option value="145">REGULATORY Government Monitoring incomplete</option>
<option value="146">REGULATORY Flood Zone Notification given in error</option>
<option value="147">REGULATORY Impound Election Disclosure incomplete</option>
<option value="148">REGULATORY RESPA not provided within the required time frame</option>
<option value="149">REGULATORY Privacy Policy Disclosure missing</option>
<option value="150">REGULATORY Impound Disclosure missing</option>
<option value="151">REGULATORY NOT in a Special Flood Hazard Area is missing</option>
<option value="152">REGULATORY HUD not certified or indicate Final</option>
<option value="153">REGULATORY HUD fee breakdown not reflected</option>
<option value="154">REGULATORY Heloc Disclosures missing</option>
<option value="155">REGULATORY Adverse Action Counter Offer</option>
<option value="156">REGULATORY HUD Booklet</option>
<option value="157">REGULATORY Flood Insurance Notice</option>
<option value="158">REGULATORY FACT -  Disclosure of Credit Score Information- Mi</option>
<option value="159">REGULATORY FACT - Disclosure of Credit Score Disclosure and C</option>
<option value="160">REGULATORY TIL - Amount Financed over allowed variance</option>
<option value="161">REGULATORY TIL - APR over allowed variance</option>
<option value="162">REGULATORY Patriot Act Missing</option>
<option value="163">REGULATORY FACT -Disclosure of Credit Score Information/Credi</option>
<option value="164">REGULATORY FACT - Notice Regarding Furnishing of Negative Inf</option>
<option value="165">REGULATORY Good Faith not located</option>
<option value="166">REGULATORY ARM Disc/CHARM Booklet not given in required time </option>
<option value="167">REGULATORY FACT - Disclosures - no preprinted date</option>
<option value="168">REGULATORY Unable to recalculate TIL</option>
<option value="169">REGULATORY Missing Right to Cancel</option>
<option value="170">REGULATORY Race & Ethnicity - Do not want to furnish</option>
<option value="171">REGULATORY RESPA Servicing - No preprinted date</option>
<option value="172">REGULATORY GFE - No preprinted date</option>
<option value="173">REGULATORY ARM Disclosure - not up front</option>
<option value="174">REGULATORY RESPA - Not needed</option>
<option value="175">REGULATORY YSP as %</option>
<option value="176">REGULATORY No Final HUD</option>
<option value="177">REGULATORY Initial TIL incomplete</option>
<option value="178">REGULATORY Discount Points</option>
<option value="179">REGULATORY Incomplete Adverse Action File</option>
<option value="180">REGULATORY Adverse Action Notice unsigned</option>
<option value="181">REGULATORY Initial TIL missing</option>
<option value="182">REGULATORY GFE Dates FAQ's</option>
<option value="183">REGULATORY Updated GFE reason Change of Circumstance</option>
<option value="184">REGULATORY GFE accuracy of dates due to Change</option>
<option value="185">REGULATORY Notice of Assignment, Sale, Transfer</option>
<option value="186">REGULATORY Rate Lock and GFE dates.</option>
<option value="187">REGULATORY Settlement Services disclosure incomplete</option>
<option value="188">REGULATORY </option>
<option value="189">Rental Agreement </option>
<option value="193">Sales Contract Seller shown is a relative, real estate agent, or </option>
<option value="194">Sales Contract Seller shown on contract is not the same as owner </option>
<option value="195">Sales Contract No real estate agent signed the contract.</option>
<option value="196">Sales Contract Buyer is required to use a specific lender.</option>
<option value="197">Sales Contract Power of attorney is used.</option>
<option value="198">Sales Contract Seller concessions appear to be excessive.</option>
<option value="199">Sales Contract Earnest money deposit appears to be excessive (gre</option>
<option value="200">Sales Contract Sales price substantially below market value.</option>
<option value="201">Sales Contract </option>
<option value="202">State Compliance CA - Interim Interest Disclosure is incomplete</option>
<option value="203">State Compliance CA - Final HUD reflecting more than one day intere</option>
<option value="204">State Compliance CA -Fair Lending Disclosure unnecessary</option>
<option value="205">State Compliance CA Credit Score Disclosure unnecessary</option>
<option value="206">State Compliance CA Partnership Addendum to URLA is incomplete.</option>
<option value="207">State Compliance AZ Authorization</option>
<option value="208">State Compliance Florida Application Disc.</option>
<option value="209">State Compliance AZ Appraisal Disc</option>
<option value="210">State Compliance CA Fair Lending Missing</option>
<option value="211">State Compliance MD - Finders Fee Agreement</option>
<option value="212">State Compliance CA- Fair Lending - additional verbiage</option>
<option value="213">State Compliance CA - Loan Application</option>
<option value="214">State Compliance CA- Domestic Partner missing</option>
<option value="215">State Compliance Misc State Compliance</option>
<option value="216">Underwriting Approval Missing</option>
<option value="217">Underwriting Conditional Commitment incomplete</option>
<option value="218">Underwriting Compliance Inspection incomplete</option>
<option value="219">Underwriting Adverse Action MCAW/LT</option>
<option value="220">Underwriting Demand Payoff</option>
<option value="221">Underwriting AUS Findings</option>
<option value="222">Underwriting 92900A incomplete/inaccurate</option>
<option value="223">Underwriting HUD 92900LT signed</option>
<option value="224">Underwriting HUD 92800.5B missing</option>
<option value="225">Underwriting VA Loan Analysis 26-6393</option>
<option value="226">Underwriting VA Loan Summary 26-0286</option>
<option value="227">Underwriting VA Request for Reasonable Value 26-1805</option>
<option value="228">Underwriting Lender's Notice of Value</option>
<option value="229">Underwriting VA Benefit Related Indebtedness form 26-8937</option>
<option value="230">Underwriting VA 1802A incomplete</option>
<option value="231">Underwriting HUD 92900LTiIncomplete/inaccurate</option>
<option value="232">Underwriting Misc Underwriting</option>
                            <select/>
                            </td>
                             <td>
                             <input type="submit" name="addFinding" value="Add Finding"
                            </td>
                            </tr>
                            </tbody>
    </table>
               <!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN http: //www.w3.org/TR/html4/loose.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en" xml:lang="en">
<head>
<meta http-equiv="refresh" content="text/html;charset=utf-8"/>
</head>
<body>
<form enctype="multipart/form-data" method="POST" action="/reviewLoan.php?auditID=230">
           
         <table class="tablesorter" id="loanFindings" cellspacing="1" cellpadding="0">
      <input type="submit" name="dltFinding" value="Delete Findings">
    <input type="submit" name="uptFinding" value="Update Findings">   
       <thead>
         <tr>
         <th>Findings</th>
         <th>Code</th>
         <th>Category</th>
         <th>Severity</th>
         
         <th>Red Flag</th>
         </tr>
         </thead>
         <tbody>
             <tr>
       
          <td><input type="checkbox"  value="<br />
<b>Notice</b>:  Undefined variable: conversationLogKey in <b>/home/loanmod1/domains/ermqc.com/private_html/include/lists/reviewLoanList.php</b> on line <b>55</b><br />
" style="width:25px" name="findingselect[]" /></td>
          <td>17</td>
          <td>Appraisal</td>
          <td>3</td>
          
          <td>No</td>
             </tr>
            <td>
            <table class="tablesorter" id="findingVerbiage" cellspacing="0" cellpadding="0">
            <th>Standard Verbiage</th> 
           <td>The Appraisal does not reflect a 3 year history for the subject property.</td>
            <tr>
            <th>Custom Verbiage</th>
            <td><input class="mainText" id="verbiageCsm" name="verbiageCsm[360]" style="width: 650px; height: 75px;" type="text" value=""/></td>
</tr>
            
            </table>
              </tbody>
     
          <td><input type="checkbox"  value="<br />
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" style="width:25px" name="findingselect[]" /></td>
          <td>17</td>
          <td>Appraisal</td>
          <td>3</td>
          
          <td>No</td>
             </tr>
            <td>
            <table class="tablesorter" id="findingVerbiage" cellspacing="0" cellpadding="0">
            <th>Standard Verbiage</th> 
           <td>The Appraisal does not reflect a 3 year history for the subject property.</td>
            <tr>
            <th>Custom Verbiage</th>
            <td><input class="mainText" id="verbiageCsm" name="verbiageCsm[361]" style="width: 650px; height: 75px;" type="text" value=""/></td>
</tr>
            
            </table>
              </tbody>
         </table>
</form>
</body>
                          

</form> 
</body> 
</html><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN http: //www.w3.org/TR/html4/loose.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en" xml:lang="en">
<head>
<meta http-equiv="refresh" content="text/html;charset=utf-8"/>
</head>
<form enctype="multipart/form-data" method="POST" action="/reviewLoan.php?auditID=230">
<body>
  
                     
           
       <table class="tablesorter" id="deletedloanFindings" cellspacing="1" cellpadding="0">
       <thead>
           <tr>
            <th ALIGN=LEFT>Status</th>
         <th>Select</th>
         <th>Finding ID</th>
         <th>Category</th>
         <th>Severity</th>
         <th>Override Severity</th>
       </tr>
      </thead>
      <tbody>
       <tr>
           
            
            
            </table>
            <input type="submit" name="activateFinding" value="Re-Activate Finding">
            </form>
</body>                             </center><br/><br/>
                            
                             </div>
		<div id="footer">
			<div id="footerContent">
					<span id="siteseal">
    <script type="text/javascript" src="https://seal.godaddy.com/getSeal?sealID=wFdIcNTGRhmW3NaCqcBa82FXW6nyaXJ3omazrNkFmelJAHbcyJ15Cra"></script>
    <br/>
    <a style="font-family: arial; font-size: 9px" href="https://www.godaddy.com/ssl/ssl-certificates.aspx" target="_blank">GoDaddy</a>
</span>                              </div>
			</div>
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	</div>
</body>
</html>

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Expert Comment

by:Ray Paseur
Comment Utility
How can this be working at all?  I found this statement in the generated HTML:

<meta http-equiv="refresh" content="text/html;charset=utf-8"/>
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LVL 108

Expert Comment

by:Ray Paseur
Comment Utility
Actually I found it twice.
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Author Comment

by:rcowen00
Comment Utility
I corrected the meta tags and the page does work before and after that edit.
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LVL 108

Expert Comment

by:Ray Paseur
Comment Utility
Great.  Then please post the new HTML.
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Author Comment

by:rcowen00
Comment Utility
Here's the updated code
<!DOCTYPE html PUBLIC "-//W3C//DTD XHTML 1.0 Transitional//EN" "http://www.w3.org/TR/xhtml1/DTD/xhtml1-transitional.dtd">
<html xmlns="http://www.w3.org/1999/xhtml">
<head>
<title>ERM QC &#150; Finding Categories</title>
<link rel="stylesheet" type="text/css" href="css/ermQCStyle.css" media="all" />
<link rel="stylesheet" type="text/css" href="css/tableStyle.css" media="all" />
<meta http-equiv="Content-Type" content="text/html; charset=utf-8" />
<meta name="language" content="en-US" />
<meta name="author" content="Roderick Divilbiss" />
<meta name="copyright" content="&copy; 2010 EE Collaborative Login Project http://www.webloginproject.com" />
</head>

<body>
	<div id="wrapper">
		<div id="header">
			<div id="headerContent">
				
<h1><a class="logo" href="home.php"><span>ERM QC &#150; The Premier Mortgage Quality Control Organization</span></a></h1>
<h2><span class="welcome">Welcome Amanda</span><span class="hidden">:</span><span class="timeDate">2011-02-20 16:39:33</span></h2>
<form id="headerSearch" action="search.php" method="post">
    <div>
        <h3><span>Quick Search:</span></h3>
        <input class="searchText" id="searchCriteria" name="searchCriteria" type="text" value="Enter Search Criteria" onclick="this.value=='Enter Search Criteria'?this.value='':''" onblur="this.value==''?this.value='Enter Search Criteria':''" />
        <select class="searchSelect" id="searchCategory" name="searchCategory">
            <option value="">Search Category</option>
            <option value="loanNumber">Loan Number</option>
            <option value="borrowerLast">Borrower Last Name</option>
        </select>
        <input class="headerSubmit" id="searchLoan" name="searchLoan" type="submit" value="Go" />
    </div>
</form>
<br class="clear" />
<ul id="headerNav">
    <li><a href="home.php" title="Home">Home</a></li>
    <li><a href="clientSetup.php" title="clientSetup">Client Setup</a></li> 
    <li><a href="clientList.php" title="clientList">Client List</a></li>
    <li><a href="clientLoans.php" title="clientLoans">Client Loans</a></li>  
    <li><a href="loanSetup.php" title="loanSetup">Loan Setup</a></li>
    <li><a href="received.php" title="received">Loan Receipt</a></li>
    <li><a href="assignLoan.php" title="assignLoan">Assign Loans</a></li>
    <li><a href="reprocessingMgmt.php" title="reprocessingMgmt">Re-Processing Mgmt</a></li>
    <li><a href="auditMgmt.php" title="auditMgmt">Audit Management</a></li>
    <li><a href="reports.php" title="reports">Reports</a></li>
    <li><a href="supportTables.php" title="supportTables">Support Tables</a></li>
    <li><a href="addUsers.php" title="addUsers">User Management</a></li>
      <li class="headerRight"><a href="login-system/logout.php" title="Logout">Logout</a></li>
</ul>			</div>
                             <div id="mainData"><center>
                                <form enctype="multipart/form-data" method="POST" action="/findingStandard.php?">
    <br/><br/><br/><br/>

    <table  id="tableOptions" cellspacing="1" cellpadding="1" border="1" style="color:black">
       
        <tbody>
            <tr>
                <td><a href="findingCategory.php" title="findingCategory">Finding Categories</a></td>
                <td><a href="findingStandard.php" title="findingStandard">Standard Findings</a></td>
                <td><a href="reprocessingTypes.php" title="reprocessingTypes">Re-processing Types</a></td>
                <td><a href="severity.php" title="severity">Severity Options</a></td>
                <td><a href="auditType.php" title="auditType">Audit Types</a></td>
                <td><a href="lienPosition.php" title="findingCategory">Lien Position</a></td>
                <td><a href="loanPurpose.php" title="findingStandard">Loan Purpose</a></td>
                <td><a href="aus.php" title="reprocessingTypes">AUS</a></td>

                <td><a href="term.php" title="severity">Loan Terms</a></td>
                <td><a href="occupancy.php" title="auditType">Occupancy</a></td>
                <td><a href="loanType.php" title="findingCategory">Loan Types</a></td>
                <td><a href="originationType.php" title="findingStandard">Origination Types</a></td>
                <td><a href="propertyType.php" title="reprocessingTypes">Property Type</a></td>
                <td><a href="companyProfile.php" title="companyProfile">My Company Profile</a></td>
                <td><a href="chargeDescription.php" title="auditType">Charge Description</a></td>
                
             </tr>
        </tbody>
    </table>
                                       
                                        
                                      

</form><!DOCTYPE HTML PUBLIC "-//W3C//DTD HTML 4.01 Transitional//EN http: //www.w3.org/TR/html4/loose.dtd">
<html xmlns="http://www.w3.org/1999/xhtml" lang="en" xml:lang="en">
<head>

</head>

<body>
<form enctype="multipart/form-data" method="POST" action="/findingStandard.php?">

  
        <br/><br/>
<table class="tablesorter" id="addFinding" cellspacing="1" cellpadding="0" >
       
            <thead>
            <th>Select Category</th>
            <th>Standard Severity</th>
            <th>Red Flag</th>
            <th>Enter Short Description</th>
            <th>Standard Verbiage</th>
        </thead>
        <tbody>
        <td width="350px"><select class="mainSelect" id="category" name="category">
                 <option value="20">Application</option>
<option value="6">Approval</option>
<option value="3">Appraisal</option>
<option value="4">Documents</option>
<option value="5">HUD1</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="13">Identification</option>
<option value="12">Employment</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="18">Occupancy</option>
<option value="19">REGULATORY</option>
<option value="21">Comment</option>
<option value="22">Funds</option>
<option value="23">NONE</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="26">Rental Agreement</option>
<option value="27">Re-Processing Results</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
            <td><select class="mainSelect" id="severity" name="severity">
                 <option value="1">1 Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
            <td><select class="mainSelect" id="redFlag" name="redFlag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
        <td><input class="mainText" id="shortDesc" style="width: 300px; height: 75px;" name="shortDesc" type="text" value=""/></td>
        <td><input class="mainText" id="findingVerb" style="width: 500px; height: 75px;" name="findingVerb" type="text" value=""/></td>
        <td><input type="submit" name="addFinding" value="Add a New Finding"></td>
        </table>
        <br/><input type="submit" name="inactiveFinding" value="Inactivate a Finding"><input type="submit" name="updateFinding" value="Update Finding">
        <br/>
        <table  id="findingStandard" cellspacing="1" cellpadding="0" width="100%" border="2" >
            <thead align="center" style="font-family:verdana; color:black; background-color:lightgrey">
                <tr>
                    <th>Select</th>
                   
                    <th>Finding Key</th>
                    <th>Finding Category</th>
                    <th>Short Description</th>
                    <th>St Severity</th>
                    <th>Red Flag</th>
                    <th>Standard Verbiage</th>
                </tr>
            </thead>
            
            <tbody>
    
    <tr>
          <td><input type="checkbox"  value="1" style="width:25px" name="findingselect[]" /></td>
        <td>1</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Incomplete 1003</textarea></td>
        <td><select id="sev" name="sev[1]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[1]" rows="5" cols="100">The loan application located in the file is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="2" style="width:25px" name="findingselect[]" /></td>
        <td>2</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Missing pages of the application.</textarea></td>
        <td><select id="sev" name="sev[2]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[2]" rows="5" cols="100">Pages of the loan application are missing.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="3" style="width:25px" name="findingselect[]" /></td>
        <td>3</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"></textarea></td>
        <td><select id="sev" name="sev[3]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[3]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="4" style="width:25px" name="findingselect[]" /></td>
        <td>4</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Unsigned or undated application.</textarea></td>
        <td><select id="sev" name="sev[4]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[4]" rows="5" cols="100">The application is unsigned and/or undated by the Borrower(s).</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="5" style="width:25px" name="findingselect[]" /></td>
        <td>5</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Employer’s address shown only as a post office box</textarea></td>
        <td><select id="sev" name="sev[5]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[5]" rows="5" cols="100">The Employer’s address is shown only as a post office box.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="6" style="width:25px" name="findingselect[]" /></td>
        <td>6</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Significant or unrealistic commute distance.</textarea></td>
        <td><select id="sev" name="sev[6]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[6]" rows="5" cols="100">Significant or unrealistic commute distance.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="7" style="width:25px" name="findingselect[]" /></td>
        <td>7</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Downgrading from a larger or more expensive house.</textarea></td>
        <td><select id="sev" name="sev[7]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[7]" rows="5" cols="100">Borrower is downgrading from a larger or more expensive house.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="8" style="width:25px" name="findingselect[]" /></td>
        <td>8</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Property recently acquired.</textarea></td>
        <td><select id="sev" name="sev[8]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[8]" rows="5" cols="100">Loan purpose is cash-out refinance when property was recently acquired.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="9" style="width:25px" name="findingselect[]" /></td>
        <td>9</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Borrower intends to rent or sell current residence</textarea></td>
        <td><select id="sev" name="sev[9]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[9]" rows="5" cols="100">The Borrower intends to rent or sell current residence with no documentation.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="10" style="width:25px" name="findingselect[]" /></td>
        <td>10</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Buyer currently resides in property.</textarea></td>
        <td><select id="sev" name="sev[10]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[10]" rows="5" cols="100">The Buyer currently resides in property.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="11" style="width:25px" name="findingselect[]" /></td>
        <td>11</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Same telephone number for borrower and employer.</textarea></td>
        <td><select id="sev" name="sev[11]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[11]" rows="5" cols="100">The Borrower and Employer have the same telephone number.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="12" style="width:25px" name="findingselect[]" /></td>
        <td>12</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Significant changes from handwritten to type appli</textarea></td>
        <td><select id="sev" name="sev[12]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[12]" rows="5" cols="100">There are significant changes from the handwritten to typed application.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="13" style="width:25px" name="findingselect[]" /></td>
        <td>13</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Initial application not located</textarea></td>
        <td><select id="sev" name="sev[13]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[13]" rows="5" cols="100">The initial application was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="14" style="width:25px" name="findingselect[]" /></td>
        <td>14</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Application - Joint Credit</textarea></td>
        <td><select id="sev" name="sev[14]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[14]" rows="5" cols="100">The Borrower signed the first page of the loan application indicating it was for joint credit.  However, the application was not taken for joint credit as indicated in Section III of the application.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="15" style="width:25px" name="findingselect[]" /></td>
        <td>15</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">No boxes checked</textarea></td>
        <td><select id="sev" name="sev[15]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[15]" rows="5" cols="100">Page 1 of the application does not indicate a check box to reflect if the income/assets of another person will be used in qualifying or will not be used in qualifying, etc.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="16" style="width:25px" name="findingselect[]" /></td>
        <td>16</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Application</textarea></td>
        <td><select id="sev" name="sev[16]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[16]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="17" style="width:25px" name="findingselect[]" /></td>
        <td>17</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">3 year sales history</textarea></td>
        <td><select id="sev" name="sev[17]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[17]" rows="5" cols="100">The Appraisal does not reflect a 3 year history for the subject property.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="18" style="width:25px" name="findingselect[]" /></td>
        <td>18</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Predominant Value</textarea></td>
        <td><select id="sev" name="sev[18]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[18]" rows="5" cols="100">Per the Appraisal, the predominant value of the subject property is _______.  This is over ____% of the predominant value.  Commentary from the Appraiser regarding this issue was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="19" style="width:25px" name="findingselect[]" /></td>
        <td>19</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">QC Desk Review Requested</textarea></td>
        <td><select id="sev" name="sev[19]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[19]" rows="5" cols="100">QC noted several discrepancies within the file with regards to the Appraisal.  QC is awaiting results from a desk/field review.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="20" style="width:25px" name="findingselect[]" /></td>
        <td>20</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Comparables over 6 months old</textarea></td>
        <td><select id="sev" name="sev[20]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[20]" rows="5" cols="100">The comparables listed on the appraisal are over 6 months old.  Commentary from the appraiser regarding this issue was not addressed.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="21" style="width:25px" name="findingselect[]" /></td>
        <td>21</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">A copy of Appraiser license missing</textarea></td>
        <td><select id="sev" name="sev[21]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[21]" rows="5" cols="100">A copy of the Appraiser License was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="22" style="width:25px" name="findingselect[]" /></td>
        <td>22</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Inaccurate APN number</textarea></td>
        <td><select id="sev" name="sev[22]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[22]" rows="5" cols="100">The appraisal APN number does not match the APN number on the Preliminary Title Report.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="23" style="width:25px" name="findingselect[]" /></td>
        <td>23</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Appraisal ordered by a party to the transaction.</textarea></td>
        <td><select id="sev" name="sev[23]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[23]" rows="5" cols="100">Appraisal ordered by a party to the transaction.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="24" style="width:25px" name="findingselect[]" /></td>
        <td>24</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Comparable properties are a significant distance f</textarea></td>
        <td><select id="sev" name="sev[24]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[24]" rows="5" cols="100">The comparable properties are a significant distance from the subject property.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="25" style="width:25px" name="findingselect[]" /></td>
        <td>25</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Occupant shown to be tenant or unknown.</textarea></td>
        <td><select id="sev" name="sev[25]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[25]" rows="5" cols="100">The occupant shown is to be a tenant or unknown.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="26" style="width:25px" name="findingselect[]" /></td>
        <td>26</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Significant appreciation in short period of time.</textarea></td>
        <td><select id="sev" name="sev[26]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[26]" rows="5" cols="100">Significant appreciation in short period of time.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="27" style="width:25px" name="findingselect[]" /></td>
        <td>27</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Appraisal indicates transaction is a refinance whe</textarea></td>
        <td><select id="sev" name="sev[27]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[27]" rows="5" cols="100">The appraisal indicates transaction is a refinance when it is a purchase.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="28" style="width:25px" name="findingselect[]" /></td>
        <td>28</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Large positive adjustments made to comparable prop</textarea></td>
        <td><select id="sev" name="sev[28]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[28]" rows="5" cols="100">Large positive adjustments made to comparable properties.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="29" style="width:25px" name="findingselect[]" /></td>
        <td>29</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">“For rent” sign appears in photographs.</textarea></td>
        <td><select id="sev" name="sev[29]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[29]" rows="5" cols="100">A “For rent” sign appears in photographs.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="30" style="width:25px" name="findingselect[]" /></td>
        <td>30</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Appraisal dated before sales contract.</textarea></td>
        <td><select id="sev" name="sev[30]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[30]" rows="5" cols="100">The appraisal is dated before sales contract.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="31" style="width:25px" name="findingselect[]" /></td>
        <td>31</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Owner is someone other than seller shown on sales </textarea></td>
        <td><select id="sev" name="sev[31]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[31]" rows="5" cols="100">The owner is someone other than seller shown on sales contract.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="32" style="width:25px" name="findingselect[]" /></td>
        <td>32</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Prior sales are listed for subject and/or comparab</textarea></td>
        <td><select id="sev" name="sev[32]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[32]" rows="5" cols="100">Prior sales are listed for subject and/or comparables without adequate explanation.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="33" style="width:25px" name="findingselect[]" /></td>
        <td>33</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Appraiser's comments</textarea></td>
        <td><select id="sev" name="sev[33]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[33]" rows="5" cols="100">Appraiser's comments</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="34" style="width:25px" name="findingselect[]" /></td>
        <td>34</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Appraisal missing</textarea></td>
        <td><select id="sev" name="sev[34]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[34]" rows="5" cols="100">The Appraisal could not be located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="35" style="width:25px" name="findingselect[]" /></td>
        <td>35</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Desk/Field Review</textarea></td>
        <td><select id="sev" name="sev[35]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[35]" rows="5" cols="100">QC is awaiting results of a desk/field review.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="36" style="width:25px" name="findingselect[]" /></td>
        <td>36</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Appraisal</textarea></td>
        <td><select id="sev" name="sev[36]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[36]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="37" style="width:25px" name="findingselect[]" /></td>
        <td>37</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="3">Appraisal</option>
<option value="20">Application</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Value Not Supported by Field Review</textarea></td>
        <td><select id="sev" name="sev[37]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[37]" rows="5" cols="100">QC obtained a field review indicating the value was not supported.  The value determined by the field review is $___________ vs. the original appraised value of $___________ resulting in an LTV of _____% vs. _____%</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="38" style="width:25px" name="findingselect[]" /></td>
        <td>38</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="6">Approval</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Approval</textarea></td>
        <td><select id="sev" name="sev[38]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[38]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="39" style="width:25px" name="findingselect[]" /></td>
        <td>39</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="8">Closing Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Incomplete File</textarea></td>
        <td><select id="sev" name="sev[39]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[39]" rows="5" cols="100">QA does not have the complete mortgage banking file and was unable to review the closing package.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="40" style="width:25px" name="findingselect[]" /></td>
        <td>40</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="8">Closing Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Acknowledgment of Borrower Identity is incomplete</textarea></td>
        <td><select id="sev" name="sev[40]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[40]" rows="5" cols="100">The Acknowledgment of Borrower Identity document is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="41" style="width:25px" name="findingselect[]" /></td>
        <td>41</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="8">Closing Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Signature Affidavit does not reflect all AKA's</textarea></td>
        <td><select id="sev" name="sev[41]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[41]" rows="5" cols="100">The Signature Affidavit does not reflect all AKA's for the Borrower and/or Co-Borrower.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="42" style="width:25px" name="findingselect[]" /></td>
        <td>42</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="8">Closing Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Inconsistent Legal Description</textarea></td>
        <td><select id="sev" name="sev[42]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[42]" rows="5" cols="100">The legal description on the Deed of Trust does not match the preliminary title report and/or the appraisal.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="43" style="width:25px" name="findingselect[]" /></td>
        <td>43</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="8">Closing Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Incomplete Note</textarea></td>
        <td><select id="sev" name="sev[43]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[43]" rows="5" cols="100">A complete copy of the Note was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="44" style="width:25px" name="findingselect[]" /></td>
        <td>44</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="8">Closing Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Missing 1008</textarea></td>
        <td><select id="sev" name="sev[44]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[44]" rows="5" cols="100">The Uniform Underwriting Transmittal Summary (1008) was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="45" style="width:25px" name="findingselect[]" /></td>
        <td>45</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="8">Closing Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Closing Documents</textarea></td>
        <td><select id="sev" name="sev[45]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[45]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="46" style="width:25px" name="findingselect[]" /></td>
        <td>46</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="21">Comment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Field/Desk Review</textarea></td>
        <td><select id="sev" name="sev[46]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[46]" rows="5" cols="100">QC ordered a field/desk review and found the market value was accurate as of the effective date of the appraisal report.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="47" style="width:25px" name="findingselect[]" /></td>
        <td>47</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="21">Comment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Miscellaneous Comment</textarea></td>
        <td><select id="sev" name="sev[47]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[47]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="48" style="width:25px" name="findingselect[]" /></td>
        <td>48</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Unpaid CR Debts</textarea></td>
        <td><select id="sev" name="sev[48]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[48]" rows="5" cols="100">QA noted, per the review Credit Report, the debts that were paid through escrow now have original balances.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="49" style="width:25px" name="findingselect[]" /></td>
        <td>49</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">12 month mortgage history missing</textarea></td>
        <td><select id="sev" name="sev[49]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[49]" rows="5" cols="100">Evidence of a full 12 month mortgage history was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="50" style="width:25px" name="findingselect[]" /></td>
        <td>50</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Missing mortgage payment evidence</textarea></td>
        <td><select id="sev" name="sev[50]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[50]" rows="5" cols="100">Evidence the _______ mortgage payment was made was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="51" style="width:25px" name="findingselect[]" /></td>
        <td>51</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Findings on review credit report</textarea></td>
        <td><select id="sev" name="sev[51]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[51]" rows="5" cols="100">QA noted, per the review credit report the Borrower has new and/or increased debts.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="52" style="width:25px" name="findingselect[]" /></td>
        <td>52</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">No credit history</textarea></td>
        <td><select id="sev" name="sev[52]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[52]" rows="5" cols="100">No credit history.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="53" style="width:25px" name="findingselect[]" /></td>
        <td>53</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Invalid Social Security number or variance from th</textarea></td>
        <td><select id="sev" name="sev[53]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[53]" rows="5" cols="100">Invalid Social Security number or variance from that on other documents.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="54" style="width:25px" name="findingselect[]" /></td>
        <td>54</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Duplicate Social Security number or additional use</textarea></td>
        <td><select id="sev" name="sev[54]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[54]" rows="5" cols="100">Duplicate Social Security number or additional user of Social Security number.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="55" style="width:25px" name="findingselect[]" /></td>
        <td>55</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Recently issued Social Security number.</textarea></td>
        <td><select id="sev" name="sev[55]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[55]" rows="5" cols="100">Recently issued Social Security number.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="56" style="width:25px" name="findingselect[]" /></td>
        <td>56</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Liabilities shown on credit report that are not on</textarea></td>
        <td><select id="sev" name="sev[56]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[56]" rows="5" cols="100">Liabilities shown on credit report that are not on mortgage application.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="57" style="width:25px" name="findingselect[]" /></td>
        <td>57</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Significant differences between original and new c</textarea></td>
        <td><select id="sev" name="sev[57]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[57]" rows="5" cols="100">There are significant differences between original and new credit report.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="58" style="width:25px" name="findingselect[]" /></td>
        <td>58</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Also Known As (AKA) or Doing Business As (DBA) ind</textarea></td>
        <td><select id="sev" name="sev[58]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[58]" rows="5" cols="100">Also Known As (AKA) or Doing Business As (DBA) indicated.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="59" style="width:25px" name="findingselect[]" /></td>
        <td>59</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Recent inquiries from other mortgage lenders.</textarea></td>
        <td><select id="sev" name="sev[59]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[59]" rows="5" cols="100">There are recent inquiries from other mortgage lenders.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="60" style="width:25px" name="findingselect[]" /></td>
        <td>60</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Missing credit report</textarea></td>
        <td><select id="sev" name="sev[60]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[60]" rows="5" cols="100">QA was unable to locate a credit report in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="61" style="width:25px" name="findingselect[]" /></td>
        <td>61</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="9">Credit Report</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"></textarea></td>
        <td><select id="sev" name="sev[61]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[61]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="62" style="width:25px" name="findingselect[]" /></td>
        <td>62</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="10">Disclosures</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Certificate of Loans to One Borrower incomplete.</textarea></td>
        <td><select id="sev" name="sev[62]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[62]" rows="5" cols="100">The Certificate of Loans to One Borrower Disclosure is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="63" style="width:25px" name="findingselect[]" /></td>
        <td>63</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="10">Disclosures</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">4506 incomplete.</textarea></td>
        <td><select id="sev" name="sev[63]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[63]" rows="5" cols="100">The IRS Tax Form 4506 is incomplete.  The Year or Period was not requested.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="64" style="width:25px" name="findingselect[]" /></td>
        <td>64</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="10">Disclosures</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Prepayment Disclosure incomplete</textarea></td>
        <td><select id="sev" name="sev[64]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[64]" rows="5" cols="100">The Prepayment Penalty Option Disclosure is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="65" style="width:25px" name="findingselect[]" /></td>
        <td>65</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="10">Disclosures</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Signature Authorization</textarea></td>
        <td><select id="sev" name="sev[65]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[65]" rows="5" cols="100">The Signature Authorization Disclosure does not reflect 3rd party verification.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="66" style="width:25px" name="findingselect[]" /></td>
        <td>66</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="10">Disclosures</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Disclosures</textarea></td>
        <td><select id="sev" name="sev[66]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[66]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="67" style="width:25px" name="findingselect[]" /></td>
        <td>67</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="4">Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Documents</textarea></td>
        <td><select id="sev" name="sev[67]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[67]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="68" style="width:25px" name="findingselect[]" /></td>
        <td>68</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">QA unable to verify VOE</textarea></td>
        <td><select id="sev" name="sev[68]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[68]" rows="5" cols="100">QA was unable to verbally verify the Borrower’s and/or Co-Borrower's employment.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="69" style="width:25px" name="findingselect[]" /></td>
        <td>69</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Missing Verbal VOE</textarea></td>
        <td><select id="sev" name="sev[69]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[69]" rows="5" cols="100">QA was unable to locate a Verbal Verification of Employment performed by the lender.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="70" style="width:25px" name="findingselect[]" /></td>
        <td>70</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Employer's Address.</textarea></td>
        <td><select id="sev" name="sev[70]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[70]" rows="5" cols="100">The Employer’s address is a post office box, the subject  property address, or borrower’s current residence</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="71" style="width:25px" name="findingselect[]" /></td>
        <td>71</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Evidence of “white-out” or alterations.</textarea></td>
        <td><select id="sev" name="sev[71]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[71]" rows="5" cols="100">The Employment documentation has evidence of “white-out” or alterations.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="72" style="width:25px" name="findingselect[]" /></td>
        <td>72</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Numbers that appear to be “squeezed”.</textarea></td>
        <td><select id="sev" name="sev[72]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[72]" rows="5" cols="100">The Employment documentation has numbers that appear to be “squeezed”.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="73" style="width:25px" name="findingselect[]" /></td>
        <td>73</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Employer unable to be contacted.</textarea></td>
        <td><select id="sev" name="sev[73]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[73]" rows="5" cols="100">The Employer unable to be contacted.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="74" style="width:25px" name="findingselect[]" /></td>
        <td>74</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Handwritten VOE, pay stubs, or W-2 forms.</textarea></td>
        <td><select id="sev" name="sev[74]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[74]" rows="5" cols="100">There are handwritten VOE, pay stubs, or W-2 forms.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="75" style="width:25px" name="findingselect[]" /></td>
        <td>75</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">W-2 form presented is not the employee’s copy.</textarea></td>
        <td><select id="sev" name="sev[75]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[75]" rows="5" cols="100">The W-2 form presented is not the employee’s copy.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="76" style="width:25px" name="findingselect[]" /></td>
        <td>76</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Overlaps in current and prior employment dates.</textarea></td>
        <td><select id="sev" name="sev[76]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[76]" rows="5" cols="100">There are overlaps in current and prior employment dates.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="77" style="width:25px" name="findingselect[]" /></td>
        <td>77</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">VOE is addressed to a particular person’s attentio</textarea></td>
        <td><select id="sev" name="sev[77]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[77]" rows="5" cols="100">The VOE is addressed to a particular person’s attention.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="78" style="width:25px" name="findingselect[]" /></td>
        <td>78</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="12">Employment</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"></textarea></td>
        <td><select id="sev" name="sev[78]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[78]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="79" style="width:25px" name="findingselect[]" /></td>
        <td>79</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Recently opened account.</textarea></td>
        <td><select id="sev" name="sev[79]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[79]" rows="5" cols="100">The account was recently opened.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="80" style="width:25px" name="findingselect[]" /></td>
        <td>80</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Even dollar amounts.</textarea></td>
        <td><select id="sev" name="sev[80]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[80]" rows="5" cols="100">The statements shoe even dollar amounts.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="81" style="width:25px" name="findingselect[]" /></td>
        <td>81</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Evidence of “white out” or alterations.</textarea></td>
        <td><select id="sev" name="sev[81]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[81]" rows="5" cols="100">There is evidence of “white out” or alterations.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="82" style="width:25px" name="findingselect[]" /></td>
        <td>82</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Evidence of “squeezed” numbers.</textarea></td>
        <td><select id="sev" name="sev[82]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[82]" rows="5" cols="100">There is evidence of “squeezed” numbers.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="83" style="width:25px" name="findingselect[]" /></td>
        <td>83</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Significant change in balance over previous two mo</textarea></td>
        <td><select id="sev" name="sev[83]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[83]" rows="5" cols="100">There is a significant change in balance over previous two months.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="84" style="width:25px" name="findingselect[]" /></td>
        <td>84</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Illegible signatures.</textarea></td>
        <td><select id="sev" name="sev[84]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[84]" rows="5" cols="100">The signatures are illegible.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="85" style="width:25px" name="findingselect[]" /></td>
        <td>85</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Variation in font type.</textarea></td>
        <td><select id="sev" name="sev[85]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[85]" rows="5" cols="100">There is a variation in font type.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="86" style="width:25px" name="findingselect[]" /></td>
        <td>86</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Account includes names of persons not party to the</textarea></td>
        <td><select id="sev" name="sev[86]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[86]" rows="5" cols="100">The account includes names of persons not party to the transaction.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="87" style="width:25px" name="findingselect[]" /></td>
        <td>87</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Gift donor is an interested party.</textarea></td>
        <td><select id="sev" name="sev[87]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[87]" rows="5" cols="100">The gift donor is an interested party.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="88" style="width:25px" name="findingselect[]" /></td>
        <td>88</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Source of funds was unverified gift, equity exchan</textarea></td>
        <td><select id="sev" name="sev[88]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[88]" rows="5" cols="100">The source of funds was unverified gift, equity exchange, or repayment of personal loan.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="89" style="width:25px" name="findingselect[]" /></td>
        <td>89</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Large dollar amounts in checking or savings accoun</textarea></td>
        <td><select id="sev" name="sev[89]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[89]" rows="5" cols="100">Large dollar amounts in checking or savings accounts rather than in higher interest bearing investment accounts.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="90" style="width:25px" name="findingselect[]" /></td>
        <td>90</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="22">Funds</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Funds</textarea></td>
        <td><select id="sev" name="sev[90]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[90]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="91" style="width:25px" name="findingselect[]" /></td>
        <td>91</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="13">Identification</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Identification</textarea></td>
        <td><select id="sev" name="sev[91]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[91]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="92" style="width:25px" name="findingselect[]" /></td>
        <td>92</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">QA unable to determine income</textarea></td>
        <td><select id="sev" name="sev[92]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[92]" rows="5" cols="100">QA was unable to determine qualifying income.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="93" style="width:25px" name="findingselect[]" /></td>
        <td>93</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Real estate taxes or mortgage interest paid, but n</textarea></td>
        <td><select id="sev" name="sev[93]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[93]" rows="5" cols="100">The real estate taxes or mortgage interest paid, but no ownership of real property.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="94" style="width:25px" name="findingselect[]" /></td>
        <td>94</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Tax returns not signed or dated or not filed.</textarea></td>
        <td><select id="sev" name="sev[94]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[94]" rows="5" cols="100">The tax returns are not signed and/or dated or not filed.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="95" style="width:25px" name="findingselect[]" /></td>
        <td>95</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Income appears to be out of line with type of empl</textarea></td>
        <td><select id="sev" name="sev[95]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[95]" rows="5" cols="100">The income appears to be out of line with type of employment.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="96" style="width:25px" name="findingselect[]" /></td>
        <td>96</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Borrower with substantial cash in bank reporting l</textarea></td>
        <td><select id="sev" name="sev[96]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[96]" rows="5" cols="100">The Borrower has substantial cash in bank but is reporting little or no interest income.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="97" style="width:25px" name="findingselect[]" /></td>
        <td>97</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Tax returns filed with IRS show lower income than </textarea></td>
        <td><select id="sev" name="sev[97]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[97]" rows="5" cols="100">The tax returns filed with IRS show lower income than those submitted for underwriting.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="98" style="width:25px" name="findingselect[]" /></td>
        <td>98</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Different handwriting or type style within documen</textarea></td>
        <td><select id="sev" name="sev[98]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[98]" rows="5" cols="100">Different handwriting or type style within document.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="99" style="width:25px" name="findingselect[]" /></td>
        <td>99</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Even dollar amount in year-to-date or past-year ea</textarea></td>
        <td><select id="sev" name="sev[99]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[99]" rows="5" cols="100">There is an even dollar amount in year-to-date or past-year earnings.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="100" style="width:25px" name="findingselect[]" /></td>
        <td>100</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">No income in file</textarea></td>
        <td><select id="sev" name="sev[100]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[100]" rows="5" cols="100">Income documentation was not located in the file. QA was unable to determine if loan is "Stated"" or ""Full Doc""."</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="101" style="width:25px" name="findingselect[]" /></td>
        <td>101</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="14">Income</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Income</textarea></td>
        <td><select id="sev" name="sev[101]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[101]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="102" style="width:25px" name="findingselect[]" /></td>
        <td>102</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="15">Insurance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Standard Flood Determination</textarea></td>
        <td><select id="sev" name="sev[102]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[102]" rows="5" cols="100">The Standard Flood Hazard Determination does not reflect 'Life of Loan' coverage.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="103" style="width:25px" name="findingselect[]" /></td>
        <td>103</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="15">Insurance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Insufficient hazard insurance coverage</textarea></td>
        <td><select id="sev" name="sev[103]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[103]" rows="5" cols="100">Per the appraisal, the cost new is $______.  The unpaid principal balance/loan amount is $________.  The dwelling coverage reflects $_______.  Evidence of replacement cost guarantee and/or increase in dwelling coverage was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="104" style="width:25px" name="findingselect[]" /></td>
        <td>104</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="15">Insurance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Flood Determination Not in File</textarea></td>
        <td><select id="sev" name="sev[104]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[104]" rows="5" cols="100">The Standard Flood Hazard Determination was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="105" style="width:25px" name="findingselect[]" /></td>
        <td>105</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="15">Insurance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Preliminary Title Report - Missing</textarea></td>
        <td><select id="sev" name="sev[105]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[105]" rows="5" cols="100">The preliminary title report was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="106" style="width:25px" name="findingselect[]" /></td>
        <td>106</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="15">Insurance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Hazard Insurance Policy</textarea></td>
        <td><select id="sev" name="sev[106]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[106]" rows="5" cols="100">Evidence of the hazard insurance policy was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="107" style="width:25px" name="findingselect[]" /></td>
        <td>107</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="15">Insurance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Insurance</textarea></td>
        <td><select id="sev" name="sev[107]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[107]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="108" style="width:25px" name="findingselect[]" /></td>
        <td>108</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Interviewer Signature incomplete</textarea></td>
        <td><select id="sev" name="sev[108]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[108]" rows="5" cols="100">The required Interviewer's Signature and/or date are incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="109" style="width:25px" name="findingselect[]" /></td>
        <td>109</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Missing Note</textarea></td>
        <td><select id="sev" name="sev[109]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[109]" rows="5" cols="100">The Note was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="110" style="width:25px" name="findingselect[]" /></td>
        <td>110</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Terms of the closed mortgage differ from terms app</textarea></td>
        <td><select id="sev" name="sev[110]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[110]" rows="5" cols="100">Terms of the closed mortgage differ from terms approved by the underwriter.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="111" style="width:25px" name="findingselect[]" /></td>
        <td>111</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Unusual credits or disbursements shown on settleme</textarea></td>
        <td><select id="sev" name="sev[111]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[111]" rows="5" cols="100">Unusual credits or disbursements</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="112" style="width:25px" name="findingselect[]" /></td>
        <td>112</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Power of attorney used.</textarea></td>
        <td><select id="sev" name="sev[112]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[112]" rows="5" cols="100">Power of attorney used.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="113" style="width:25px" name="findingselect[]" /></td>
        <td>113</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Evidence of alterations without initials.</textarea></td>
        <td><select id="sev" name="sev[113]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[113]" rows="5" cols="100">Evidence of alterations without initials.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="114" style="width:25px" name="findingselect[]" /></td>
        <td>114</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Reference to other undisclosed financing.</textarea></td>
        <td><select id="sev" name="sev[114]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[114]" rows="5" cols="100">Reference to other undisclosed financing.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="115" style="width:25px" name="findingselect[]" /></td>
        <td>115</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Reference to another escrow.</textarea></td>
        <td><select id="sev" name="sev[115]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[115]" rows="5" cols="100">Reference to another escrow.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="116" style="width:25px" name="findingselect[]" /></td>
        <td>116</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Substantial cash proceeds to seller or cash back t</textarea></td>
        <td><select id="sev" name="sev[116]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[116]" rows="5" cols="100">Substantial cash proceeds to seller or cash back to buyer.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="117" style="width:25px" name="findingselect[]" /></td>
        <td>117</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Substantial cash paid outside of escrow to seller.</textarea></td>
        <td><select id="sev" name="sev[117]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[117]" rows="5" cols="100">Substantial cash paid outside of escrow to seller.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="118" style="width:25px" name="findingselect[]" /></td>
        <td>118</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Zero proceeds to seller.</textarea></td>
        <td><select id="sev" name="sev[118]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[118]" rows="5" cols="100">Zero proceeds to seller.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="119" style="width:25px" name="findingselect[]" /></td>
        <td>119</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Delinquent property taxes.</textarea></td>
        <td><select id="sev" name="sev[119]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[119]" rows="5" cols="100">Delinquent property taxes.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="120" style="width:25px" name="findingselect[]" /></td>
        <td>120</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Seller owned property for short time with cash out</textarea></td>
        <td><select id="sev" name="sev[120]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[120]" rows="5" cols="100">Seller owned property for short time with cash out on the sale.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="121" style="width:25px" name="findingselect[]" /></td>
        <td>121</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Sales price changed to fit the appraisal.</textarea></td>
        <td><select id="sev" name="sev[121]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[121]" rows="5" cols="100">Sales price changed to fit the appraisal.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="122" style="width:25px" name="findingselect[]" /></td>
        <td>122</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">How App. Was taken</textarea></td>
        <td><select id="sev" name="sev[122]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[122]" rows="5" cols="100">How the Application was Taken was not documented by the Interviewer.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="123" style="width:25px" name="findingselect[]" /></td>
        <td>123</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Interviewer's Signature differs</textarea></td>
        <td><select id="sev" name="sev[123]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[123]" rows="5" cols="100">It appears the Interviewer's signature differs on the initial to final loan application.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="124" style="width:25px" name="findingselect[]" /></td>
        <td>124</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="16">Legal Documents</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Legal Documents</textarea></td>
        <td><select id="sev" name="sev[124]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[124]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="125" style="width:25px" name="findingselect[]" /></td>
        <td>125</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="17">Liabilities</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc Liabilities</textarea></td>
        <td><select id="sev" name="sev[125]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[125]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="126" style="width:25px" name="findingselect[]" /></td>
        <td>126</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="23">NONE</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">No Exception Noted</textarea></td>
        <td><select id="sev" name="sev[126]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[126]" rows="5" cols="100">No Exception</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="127" style="width:25px" name="findingselect[]" /></td>
        <td>127</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="18">Occupancy</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Distance of Residency to Employment in Question</textarea></td>
        <td><select id="sev" name="sev[127]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[127]" rows="5" cols="100">The distance between the Borrower's residency and employment appear to be excessive.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="128" style="width:25px" name="findingselect[]" /></td>
        <td>128</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="18">Occupancy</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"></textarea></td>
        <td><select id="sev" name="sev[128]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[128]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="190" style="width:25px" name="findingselect[]" /></td>
        <td>190</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="27">Re-Processing Results</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Occupancy Certification Returned</textarea></td>
        <td><select id="sev" name="sev[190]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[190]" rows="5" cols="100">Our reprocessing efforts to verify the borrower's  occupancy of the subject property resulted in the Occupancy Certification form being returned  by the post office as Return to Sender/ Insufficient Address/Unable to Forward</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="191" style="width:25px" name="findingselect[]" /></td>
        <td>191</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="27">Re-Processing Results</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Employment loss prior to closing</textarea></td>
        <td><select id="sev" name="sev[191]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[191]" rows="5" cols="100">Our reprocessing efforts to very the borrower's or co-borrower's employment results indicates</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="192" style="width:25px" name="findingselect[]" /></td>
        <td>192</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="27">Re-Processing Results</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Employment loss after closing</textarea></td>
        <td><select id="sev" name="sev[192]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[192]" rows="5" cols="100">Our reprocessing efforts to very the borrower's or co-borrower's employment resulted indicates</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="129" style="width:25px" name="findingselect[]" /></td>
        <td>129</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Itemized HUD 1</textarea></td>
        <td><select id="sev" name="sev[129]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[129]" rows="5" cols="100">HUD requires that all Seller/Lender/Third Party credits be listed as line itemized adjustments vs. a lump sum on the final HUD 1.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="130" style="width:25px" name="findingselect[]" /></td>
        <td>130</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">FHA Statutory Investment</textarea></td>
        <td><select id="sev" name="sev[130]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[130]" rows="5" cols="100">The FHA Statutory Investment Requirement/Minimum Down Payment for this loan of $________, has not been met per the final HUD 1 due to excessive credits from the seller/lender/third parties, exceeding actual closing costs, prepaids, discount points and cas</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="131" style="width:25px" name="findingselect[]" /></td>
        <td>131</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Affiliated Business Disclosure incomplete</textarea></td>
        <td><select id="sev" name="sev[131]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[131]" rows="5" cols="100">The Affiliated Business Disclosure is incomplete</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="132" style="width:25px" name="findingselect[]" /></td>
        <td>132</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Incorrect HUD Form</textarea></td>
        <td><select id="sev" name="sev[132]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[132]" rows="5" cols="100">The final HUD was not provided on the required form, document #2502-0265.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="133" style="width:25px" name="findingselect[]" /></td>
        <td>133</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action Notice</textarea></td>
        <td><select id="sev" name="sev[133]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[133]" rows="5" cols="100">Adverse Action Notice could not be located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="134" style="width:25px" name="findingselect[]" /></td>
        <td>134</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action Notice Incomplete</textarea></td>
        <td><select id="sev" name="sev[134]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[134]" rows="5" cols="100">Adverse Action Notice is incomplete or inaccurate.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="135" style="width:25px" name="findingselect[]" /></td>
        <td>135</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">GFE not sent within required time frame</textarea></td>
        <td><select id="sev" name="sev[135]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[135]" rows="5" cols="100">The Good Faith Estimate was not provided to the Borrower within the required time frame.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="136" style="width:25px" name="findingselect[]" /></td>
        <td>136</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Inaccurate GFE and HUD Fees</textarea></td>
        <td><select id="sev" name="sev[136]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[136]" rows="5" cols="100">The Good Faith Estimate reflects Settlement Charges of $xxx.00.  However, the final HUD reflects Settlement Charges of $xxx.00.  It appears the _____  was under disclosed.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="137" style="width:25px" name="findingselect[]" /></td>
        <td>137</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action Notice Credit Agency</textarea></td>
        <td><select id="sev" name="sev[137]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[137]" rows="5" cols="100">The Adverse Action Notice located in the file does not reflect the Credit Reporting Agency information used to determine Adverse Action.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="138" style="width:25px" name="findingselect[]" /></td>
        <td>138</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">YSP not indicated on the GFE</textarea></td>
        <td><select id="sev" name="sev[138]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[138]" rows="5" cols="100">The Yield Spread Premium  indicated on the Final HUD was not indicated on the Good Faith Estimate.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="139" style="width:25px" name="findingselect[]" /></td>
        <td>139</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Appraisal Disclosure missing</textarea></td>
        <td><select id="sev" name="sev[139]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[139]" rows="5" cols="100">The Appraisal Disclosure was not located in the file.  </textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="140" style="width:25px" name="findingselect[]" /></td>
        <td>140</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action Notice Complaint</textarea></td>
        <td><select id="sev" name="sev[140]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[140]" rows="5" cols="100">The proper enforcement agency for receiving borrower's complaints with respect to Adverse Action is incomplete or inaccurate.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="141" style="width:25px" name="findingselect[]" /></td>
        <td>141</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action Timely Notice</textarea></td>
        <td><select id="sev" name="sev[141]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[141]" rows="5" cols="100">The Adverse Action Notice was not provided in a timely manner.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="142" style="width:25px" name="findingselect[]" /></td>
        <td>142</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Inaccurate Payment Stream on TIL</textarea></td>
        <td><select id="sev" name="sev[142]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[142]" rows="5" cols="100">An accurate payment stream was not reflected on the final Truth in Lending Disclosure.  Adjustments for the ARM product were not made.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="143" style="width:25px" name="findingselect[]" /></td>
        <td>143</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Final TIL indicates 'E' for Estimate</textarea></td>
        <td><select id="sev" name="sev[143]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[143]" rows="5" cols="100">The final Truth in Lending Disclosure indicates ‘E’ for estimate.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="144" style="width:25px" name="findingselect[]" /></td>
        <td>144</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Affiliated Business Disclosure missing</textarea></td>
        <td><select id="sev" name="sev[144]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[144]" rows="5" cols="100">The Affiliated Business Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="145" style="width:25px" name="findingselect[]" /></td>
        <td>145</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Government Monitoring incomplete</textarea></td>
        <td><select id="sev" name="sev[145]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[145]" rows="5" cols="100">The Government Monitoring Information on the loan application is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="146" style="width:25px" name="findingselect[]" /></td>
        <td>146</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Flood Zone Notification given in error</textarea></td>
        <td><select id="sev" name="sev[146]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[146]" rows="5" cols="100">The Flood Zone Notification was provided to the Borrower.  However, the subject property is not located in a flood hazard area.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="147" style="width:25px" name="findingselect[]" /></td>
        <td>147</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Impound Election Disclosure incomplete</textarea></td>
        <td><select id="sev" name="sev[147]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[147]" rows="5" cols="100">The Impound Election Disclosure is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="148" style="width:25px" name="findingselect[]" /></td>
        <td>148</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">RESPA not provided within the required time frame</textarea></td>
        <td><select id="sev" name="sev[148]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[148]" rows="5" cols="100">The RESPA Servicing Disclosure was not provided to the Borrower in the required time frame.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="149" style="width:25px" name="findingselect[]" /></td>
        <td>149</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Privacy Policy Disclosure missing</textarea></td>
        <td><select id="sev" name="sev[149]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[149]" rows="5" cols="100">The Privacy Policy Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="150" style="width:25px" name="findingselect[]" /></td>
        <td>150</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Impound Disclosure missing</textarea></td>
        <td><select id="sev" name="sev[150]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[150]" rows="5" cols="100">Impounds were elected and/or required on this loan.  However, the Initial Escrow Account Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="151" style="width:25px" name="findingselect[]" /></td>
        <td>151</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">NOT in a Special Flood Hazard Area is missing</textarea></td>
        <td><select id="sev" name="sev[151]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[151]" rows="5" cols="100">The Notice to the Borrower NOT in a Special Flood Hazard Area Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="152" style="width:25px" name="findingselect[]" /></td>
        <td>152</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">HUD not certified or indicate Final</textarea></td>
        <td><select id="sev" name="sev[152]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[152]" rows="5" cols="100">The HUD located in the file is not certified and/or does not reflect Final.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="153" style="width:25px" name="findingselect[]" /></td>
        <td>153</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">HUD fee breakdown not reflected</textarea></td>
        <td><select id="sev" name="sev[153]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[153]" rows="5" cols="100">The final HUD does not reflect a breakdown of fees for the 1st and 2nd mortgages.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="154" style="width:25px" name="findingselect[]" /></td>
        <td>154</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Heloc Disclosures missing</textarea></td>
        <td><select id="sev" name="sev[154]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[154]" rows="5" cols="100">Evidence the "When your Home is on the Line"" Booklet and/or ""Heloc Program Disclosure""  were sent to the Borrower was not located in the file."</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="155" style="width:25px" name="findingselect[]" /></td>
        <td>155</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action Counter Offer</textarea></td>
        <td><select id="sev" name="sev[155]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[155]" rows="5" cols="100">An Adverse Action notice indicates declined due to appraisal issues.  A counter offer could not be located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="156" style="width:25px" name="findingselect[]" /></td>
        <td>156</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">HUD Booklet</textarea></td>
        <td><select id="sev" name="sev[156]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[156]" rows="5" cols="100">Evidence the HUD booklet was provided to the Borrower was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="157" style="width:25px" name="findingselect[]" /></td>
        <td>157</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Flood Insurance Notice</textarea></td>
        <td><select id="sev" name="sev[157]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[157]" rows="5" cols="100">The Flood Insurance Notice was provided to the Borrower.  However, the subject property is not located in a flood hazard area.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="158" style="width:25px" name="findingselect[]" /></td>
        <td>158</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">FACT -  Disclosure of Credit Score Information- Mi</textarea></td>
        <td><select id="sev" name="sev[158]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[158]" rows="5" cols="100">The Disclosure Of Credit Score Information Disclosure does not reflect the factors and/or score used to qualify.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="159" style="width:25px" name="findingselect[]" /></td>
        <td>159</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">FACT - Disclosure of Credit Score Disclosure and C</textarea></td>
        <td><select id="sev" name="sev[159]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[159]" rows="5" cols="100">Evidence of the Credit Score Notice and/or Disclosure of Credit Score Disclosure were not provided to the Borrower in the required time frame.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="160" style="width:25px" name="findingselect[]" /></td>
        <td>160</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">TIL - Amount Financed over allowed variance</textarea></td>
        <td><select id="sev" name="sev[160]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[160]" rows="5" cols="100">After recalculating the Truth in Lending Disclosure, it appears the Amount Financed is over the $100.00 allowable variance.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="161" style="width:25px" name="findingselect[]" /></td>
        <td>161</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">TIL - APR over allowed variance</textarea></td>
        <td><select id="sev" name="sev[161]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[161]" rows="5" cols="100">After recalculating the Truth in Lending Disclosure, it appears the APR is over the 1/8 allowable variance.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="162" style="width:25px" name="findingselect[]" /></td>
        <td>162</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Patriot Act Missing</textarea></td>
        <td><select id="sev" name="sev[162]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[162]" rows="5" cols="100">The Patriot Act Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="163" style="width:25px" name="findingselect[]" /></td>
        <td>163</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">FACT -Disclosure of Credit Score Information/Credi</textarea></td>
        <td><select id="sev" name="sev[163]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[163]" rows="5" cols="100">The Disclosure of Credit Score Information Disclosure and/or The Credit Score Notice was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="164" style="width:25px" name="findingselect[]" /></td>
        <td>164</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">FACT - Notice Regarding Furnishing of Negative Inf</textarea></td>
        <td><select id="sev" name="sev[164]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[164]" rows="5" cols="100">The Notice Regarding Furnishing of Negative Information Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="165" style="width:25px" name="findingselect[]" /></td>
        <td>165</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Good Faith not located</textarea></td>
        <td><select id="sev" name="sev[165]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[165]" rows="5" cols="100">The Good Faith Estimate was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="166" style="width:25px" name="findingselect[]" /></td>
        <td>166</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">ARM Disc/CHARM Booklet not given in required time </textarea></td>
        <td><select id="sev" name="sev[166]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[166]" rows="5" cols="100">Evidence the ARM Disclosure and/or CHARM booklet were given to the Borrower in the required time frame were not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="167" style="width:25px" name="findingselect[]" /></td>
        <td>167</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">FACT - Disclosures - no preprinted date</textarea></td>
        <td><select id="sev" name="sev[167]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[167]" rows="5" cols="100">The Disclosure of Credit Score Information Disclosure and/or The Notice to Home Loan Applicant does not have a preprinted date on the form. QA is unable to determine if the disclosures were provided to the Borrower within the required time frame.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="168" style="width:25px" name="findingselect[]" /></td>
        <td>168</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Unable to recalculate TIL</textarea></td>
        <td><select id="sev" name="sev[168]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[168]" rows="5" cols="100">The Index and/or Margin was not located in the file. Therefore, QA was unable to re-verify the TIL.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="169" style="width:25px" name="findingselect[]" /></td>
        <td>169</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Missing Right to Cancel</textarea></td>
        <td><select id="sev" name="sev[169]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[169]" rows="5" cols="100">The Notice of Right to Cancel was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="170" style="width:25px" name="findingselect[]" /></td>
        <td>170</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Race & Ethnicity - Do not want to furnish</textarea></td>
        <td><select id="sev" name="sev[170]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[170]" rows="5" cols="100">The Race and/or Ethnicity section of the loan application is incomplete. The Borrower requests they do not wish to furnish. However, per Regulation B, Section 202.13, 2b and 2c, if the Borrower chooses to not provide the information, the Lender/Broker sha</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="171" style="width:25px" name="findingselect[]" /></td>
        <td>171</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">RESPA Servicing - No preprinted date</textarea></td>
        <td><select id="sev" name="sev[171]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[171]" rows="5" cols="100">The RESPA Servicing Disclosure does not have a preprinted date. Therefore QA is unable to determine if it was provided to the Borrower in the required time frame.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="172" style="width:25px" name="findingselect[]" /></td>
        <td>172</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">GFE - No preprinted date</textarea></td>
        <td><select id="sev" name="sev[172]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[172]" rows="5" cols="100">The Good Faith Estimate does not have a preprinted date. Therefore QA is unable to determine if it was provided to the Borrower in the required time frame.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="173" style="width:25px" name="findingselect[]" /></td>
        <td>173</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">ARM Disclosure - not up front</textarea></td>
        <td><select id="sev" name="sev[173]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[173]" rows="5" cols="100">Evidence of the up front ARM Disclosure provided to the Borrower in the required time frame was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="174" style="width:25px" name="findingselect[]" /></td>
        <td>174</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">RESPA - Not needed</textarea></td>
        <td><select id="sev" name="sev[174]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[174]" rows="5" cols="100">The RESPA Servicing Disclosure was located in the file. However, it is not required to be provided by a Broker.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="175" style="width:25px" name="findingselect[]" /></td>
        <td>175</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">YSP as %</textarea></td>
        <td><select id="sev" name="sev[175]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[175]" rows="5" cols="100">The Good Faith Estimate reflects the YSP as a percentage range. It is strongly recommended that the YSP is reflected as a specific dollar amount or a dollar range.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="176" style="width:25px" name="findingselect[]" /></td>
        <td>176</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">No Final HUD</textarea></td>
        <td><select id="sev" name="sev[176]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[176]" rows="5" cols="100">The final HUD was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="177" style="width:25px" name="findingselect[]" /></td>
        <td>177</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Initial TIL incomplete</textarea></td>
        <td><select id="sev" name="sev[177]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[177]" rows="5" cols="100">The initial Truth in Lending Disclosure is inaccurate or incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="178" style="width:25px" name="findingselect[]" /></td>
        <td>178</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Discount Points</textarea></td>
        <td><select id="sev" name="sev[178]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[178]" rows="5" cols="100">A Discount Fee was charged in the amount of $X,XXX.XX; unable to locate documentation in the file where a rate concession was made to allow for a discount fee to be charged.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="179" style="width:25px" name="findingselect[]" /></td>
        <td>179</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Incomplete Adverse Action File</textarea></td>
        <td><select id="sev" name="sev[179]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[179]" rows="5" cols="100">File was incomplete and had limited documentation.  Unable to determine if initial disclosures were sent out to the borrower.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="180" style="width:25px" name="findingselect[]" /></td>
        <td>180</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action Notice unsigned</textarea></td>
        <td><select id="sev" name="sev[180]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[180]" rows="5" cols="100">No signature was located on Adverse Action Notice and unable to determine if there was a second review performed.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="181" style="width:25px" name="findingselect[]" /></td>
        <td>181</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Initial TIL missing</textarea></td>
        <td><select id="sev" name="sev[181]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[181]" rows="5" cols="100">The initial Truth In Lending Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="182" style="width:25px" name="findingselect[]" /></td>
        <td>182</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">GFE Dates FAQ's</textarea></td>
        <td><select id="sev" name="sev[182]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[182]" rows="5" cols="100">Dates on the Good Faith Estimate were not completed as required by RESPA guidelines. See HUD Frequently Asked Questions (April 2, 2010) GFE Important Dates.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="183" style="width:25px" name="findingselect[]" /></td>
        <td>183</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Updated GFE reason Change of Circumstance</textarea></td>
        <td><select id="sev" name="sev[183]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[183]" rows="5" cols="100">QC is unable to determine the reason for  the updated Good Faith Estimate (i.e. change of circumstances due to loan amount, rate locked after initial GFE, etc)</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="184" style="width:25px" name="findingselect[]" /></td>
        <td>184</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">GFE accuracy of dates due to Change</textarea></td>
        <td><select id="sev" name="sev[184]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[184]" rows="5" cols="100">QC is unable to determine the accuracy of the dates and/or fees  on the Good Faith Estimate as a Change of Circumstance  or Lock Agreement was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="185" style="width:25px" name="findingselect[]" /></td>
        <td>185</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Notice of Assignment, Sale, Transfer</textarea></td>
        <td><select id="sev" name="sev[185]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[185]" rows="5" cols="100">Notice of Assignment, Sale or Transfer of Servicing Rights Disclosure is inaccurate or incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="186" style="width:25px" name="findingselect[]" /></td>
        <td>186</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Rate Lock and GFE dates.</textarea></td>
        <td><select id="sev" name="sev[186]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[186]" rows="5" cols="100">QC was unable to locate a rate lock agreement in the file in order to confirm the accuracy of the dates the Good Faith Estimate dated XXXXXX.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="187" style="width:25px" name="findingselect[]" /></td>
        <td>187</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Settlement Services disclosure incomplete</textarea></td>
        <td><select id="sev" name="sev[187]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[187]" rows="5" cols="100">The Settlement Services Providers disclosure is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="188" style="width:25px" name="findingselect[]" /></td>
        <td>188</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="19">REGULATORY</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"></textarea></td>
        <td><select id="sev" name="sev[188]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[188]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="189" style="width:25px" name="findingselect[]" /></td>
        <td>189</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="26">Rental Agreement</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"></textarea></td>
        <td><select id="sev" name="sev[189]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[189]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="193" style="width:25px" name="findingselect[]" /></td>
        <td>193</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Seller shown is a relative, real estate agent, or </textarea></td>
        <td><select id="sev" name="sev[193]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[193]" rows="5" cols="100">Seller shown is a relative, real estate agent, or employer.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="194" style="width:25px" name="findingselect[]" /></td>
        <td>194</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Seller shown on contract is not the same as owner </textarea></td>
        <td><select id="sev" name="sev[194]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[194]" rows="5" cols="100">Seller shown on contract is not the same as owner shown on appraisal.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="195" style="width:25px" name="findingselect[]" /></td>
        <td>195</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">No real estate agent signed the contract.</textarea></td>
        <td><select id="sev" name="sev[195]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[195]" rows="5" cols="100">No real estate agent signed the contract.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="196" style="width:25px" name="findingselect[]" /></td>
        <td>196</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Buyer is required to use a specific lender.</textarea></td>
        <td><select id="sev" name="sev[196]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[196]" rows="5" cols="100">Buyer is required to use a specific lender.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="197" style="width:25px" name="findingselect[]" /></td>
        <td>197</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Power of attorney is used.</textarea></td>
        <td><select id="sev" name="sev[197]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[197]" rows="5" cols="100">A Power of attorney is used.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="198" style="width:25px" name="findingselect[]" /></td>
        <td>198</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Seller concessions appear to be excessive.</textarea></td>
        <td><select id="sev" name="sev[198]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[198]" rows="5" cols="100">Seller concessions appear to be excessive.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="199" style="width:25px" name="findingselect[]" /></td>
        <td>199</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Earnest money deposit appears to be excessive (gre</textarea></td>
        <td><select id="sev" name="sev[199]">
                 <option value=""></option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[199]" rows="5" cols="100">Earnest money deposit appears to be excessive (greater than 2 percent).</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="200" style="width:25px" name="findingselect[]" /></td>
        <td>200</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Sales price substantially below market value.</textarea></td>
        <td><select id="sev" name="sev[200]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[200]" rows="5" cols="100">Sales price substantially below market value.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="201" style="width:25px" name="findingselect[]" /></td>
        <td>201</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="28">Sales Contract</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="29">State Compliance</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50"></textarea></td>
        <td><select id="sev" name="sev[201]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[201]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="202" style="width:25px" name="findingselect[]" /></td>
        <td>202</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA - Interim Interest Disclosure is incomplete</textarea></td>
        <td><select id="sev" name="sev[202]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[202]" rows="5" cols="100">Per CA Finance Code 50204(o), the Interim Interest Disclosure is incomplete.  An option for the disbursement loan proceeds was not selected.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="203" style="width:25px" name="findingselect[]" /></td>
        <td>203</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA - Final HUD reflecting more than one day intere</textarea></td>
        <td><select id="sev" name="sev[203]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[203]" rows="5" cols="100">The final HUD reflects a settlement date of ____.  However, interest was collected from ____.  Per the California Civil Code section 2948.5, a borrower is not required to pay interest more than one day prior to the date that the loan proceeds are disburse</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="204" style="width:25px" name="findingselect[]" /></td>
        <td>204</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA -Fair Lending Disclosure unnecessary</textarea></td>
        <td><select id="sev" name="sev[204]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[204]" rows="5" cols="100">The Fair Lending Disclosure was located in the file.  However, the subject property is not located in California.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="205" style="width:25px" name="findingselect[]" /></td>
        <td>205</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA Credit Score Disclosure unnecessary</textarea></td>
        <td><select id="sev" name="sev[205]">
                 <option value="1">Minor</option>
<option value="2">2  Moderate</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[205]" rows="5" cols="100">The CA Credit Score Disclosure was located in the file.  However the subject property is not located in California.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="206" style="width:25px" name="findingselect[]" /></td>
        <td>206</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA Partnership Addendum to URLA is incomplete.</textarea></td>
        <td><select id="sev" name="sev[206]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[206]" rows="5" cols="100">The California Domestic Partnership Addendum to Uniform Residential Loan Application is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="207" style="width:25px" name="findingselect[]" /></td>
        <td>207</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">AZ Authorization</textarea></td>
        <td><select id="sev" name="sev[207]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[207]" rows="5" cols="100">The Arizona Authorization to Complete Blank Spaces Disclosure is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="208" style="width:25px" name="findingselect[]" /></td>
        <td>208</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Florida Application Disc.</textarea></td>
        <td><select id="sev" name="sev[208]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[208]" rows="5" cols="100">The Florida Application Disclosure is incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="209" style="width:25px" name="findingselect[]" /></td>
        <td>209</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">AZ Appraisal Disc</textarea></td>
        <td><select id="sev" name="sev[209]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[209]" rows="5" cols="100">The Notice of Right to Receive Copy of Appraisal Disclosure reflects a specific time frame for the Borrower/Co-Borrower to receive  a copy of their appraisal. However, for Arizona there are no  time limitations.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="210" style="width:25px" name="findingselect[]" /></td>
        <td>210</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA Fair Lending Missing</textarea></td>
        <td><select id="sev" name="sev[210]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[210]" rows="5" cols="100">The Fair Lending Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="211" style="width:25px" name="findingselect[]" /></td>
        <td>211</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">MD - Finders Fee Agreement</textarea></td>
        <td><select id="sev" name="sev[211]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[211]" rows="5" cols="100">The Maryland Finders Fee Agreement was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="212" style="width:25px" name="findingselect[]" /></td>
        <td>212</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA- Fair Lending - additional verbiage</textarea></td>
        <td><select id="sev" name="sev[212]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[212]" rows="5" cols="100">The CA Fair Lending Disclosure needs to be updated to reflect the domestic partner verbiage.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="213" style="width:25px" name="findingselect[]" /></td>
        <td>213</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA - Loan Application</textarea></td>
        <td><select id="sev" name="sev[213]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[213]" rows="5" cols="100">The loan application does not reflect the CA state specific verbiage.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="214" style="width:25px" name="findingselect[]" /></td>
        <td>214</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">CA- Domestic Partner missing</textarea></td>
        <td><select id="sev" name="sev[214]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[214]" rows="5" cols="100">The CA Domestic Partner Disclosure was not located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="215" style="width:25px" name="findingselect[]" /></td>
        <td>215</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="29">State Compliance</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="30">Underwriting</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Misc State Compliance</textarea></td>
        <td><select id="sev" name="sev[215]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[215]" rows="5" cols="100"></textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="216" style="width:25px" name="findingselect[]" /></td>
        <td>216</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Approval Missing</textarea></td>
        <td><select id="sev" name="sev[216]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[216]" rows="5" cols="100">The Underwriter's Approval Letter could not be located in the file. QA is unable to determine if the conditions have been met.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="217" style="width:25px" name="findingselect[]" /></td>
        <td>217</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Conditional Commitment incomplete</textarea></td>
        <td><select id="sev" name="sev[217]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[217]" rows="5" cols="100">The Conditional Commitment Direct Endorsement Statement of Appraised Value HUD form 92800.5B is inaccurate and/or incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="218" style="width:25px" name="findingselect[]" /></td>
        <td>218</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Compliance Inspection incomplete</textarea></td>
        <td><select id="sev" name="sev[218]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[218]" rows="5" cols="100">The Compliance Inspection HUD form 92051 is inaccurate and/or incomplete.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="219" style="width:25px" name="findingselect[]" /></td>
        <td>219</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Adverse Action MCAW/LT</textarea></td>
        <td><select id="sev" name="sev[219]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[219]" rows="5" cols="100">The Underwriter's signed and dated Mortgage Credit Analysis Worksheet or FHA Loan Underwriting Transmittal Summary (HUD 92900) reflecting  Adverse Action could not be located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="220" style="width:25px" name="findingselect[]" /></td>
        <td>220</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">Demand Payoff</textarea></td>
        <td><select id="sev" name="sev[220]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[220]" rows="5" cols="100">The demand payoff statement and/or short payoff terms and conditions could not be located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="221" style="width:25px" name="findingselect[]" /></td>
        <td>221</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">AUS Findings</textarea></td>
        <td><select id="sev" name="sev[221]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[221]" rows="5" cols="100">Unable to locate the AUS findings.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="222" style="width:25px" name="findingselect[]" /></td>
        <td>222</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">92900A incomplete/inaccurate</textarea></td>
        <td><select id="sev" name="sev[222]">
                 <option value="2">Moderate</option>
<option value="1">1  Minor</option>
<option value="3">3  Important</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="0">No</option>
<option value="1">Yes</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[222]" rows="5" cols="100">The initial and/or final HUD form 92900A Direct Endorsement Approval for HUD/FHA Insured Mortgage is incomplete and/or inaccurate.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="223" style="width:25px" name="findingselect[]" /></td>
        <td>223</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>
<option value="24">Preliminary Title Report/ Titl</option>
<option value="27">Re-Processing Results</option>
<option value="19">REGULATORY</option>
<option value="26">Rental Agreement</option>
<option value="28">Sales Contract</option>
<option value="29">State Compliance</option>
            </select></td>
        <td align="Left"><textarea id="desc" rows="5" cols="40" name="desc" maxlength="50">HUD 92900LT signed</textarea></td>
        <td><select id="sev" name="sev[223]">
                 <option value="3">Important</option>
<option value="1">1  Minor</option>
<option value="2">2  Moderate</option>
<option value="5">5  None</option>
            </select></td>
        <td><select id="flag" name="flag">
                 <option value="1">Yes</option>
<option value="0">No</option>
            </select></td>
             <td align="Left"><textarea id="verb"  name="verb[223]" rows="5" cols="100">The Underwriter's signed and dated FHA Loan Underwriting Transmittal Summary (HUD 92900LT) or Mortgage Credit Analysis Worksheet was  not be located in the file.</textarea></td>
        
        
            
    <tr>
          <td><input type="checkbox"  value="224" style="width:25px" name="findingselect[]" /></td>
        <td>224</td>
        <td><select class="mainSelect" id="cat" name="cat">
                 <option value="30">Underwriting</option>
<option value="20">Application</option>
<option value="3">Appraisal</option>
<option value="6">Approval</option>
<option value="7">Assets</option>
<option value="8">Closing Documents</option>
<option value="21">Comment</option>
<option value="9">Credit Report</option>
<option value="10">Disclosures</option>
<option value="4">Documents</option>
<option value="12">Employment</option>
<option value="22">Funds</option>
<option value="5">HUD1</option>
<option value="13">Identification</option>
<option value="14">Income</option>
<option value="15">Insurance</option>
<option value="16">Legal Documents</option>
<option value="17">Liabilities</option>
<option value="23">NONE</option>
<option value="18">Occupancy</option>