EX-99.2 14 efc24-464_ex992s4.htm SCHEDULE 4 - MODIFICATION REPORT
 

GSMBS 2024-RPL2 - ABS15G

Exhibit 99(2)(s)(4)

 

vendor_loan_id customer_loan_id seller_loan_id balance_postmod balloon_postmod current_pra_outstanding audited_deferred_balance deferred_balance diff_deferred_balance audited_current_rate current_rate diff_current_rate audited_current_P&I current_P&I diff_current_P&I first_pmt_date_postmod io_flag_postmod io_period_postmod audited_maturity_date_postmod maturity_date_postmod diff_maturity_date_postmod audited_mod_date mod_date diff_mod_date mod_pra_amount mod_principal_forbeared mod_type pi_postmod rate_postmod amort_term_postmod amort_type_postmod arm_code_postmod current_pra_forgiven first_rate_reset_months_postmod margin_postmod max_rate_postmod min_rate_postmod pra_01_anniversary_date pra_02_anniversary_date pra_03_anniversary_date rate_index_postmod rate_reset_frequency_mo_postmod step_01_effective_date step_01_interest_rate step_02_effective_date step_02_interest_rate step_03_effective_date step_03_interest_rate step_04_effective_date step_04_interest_rate step_05_effective_date step_05_interest_rate step_06_effective_date step_06_interest_rate step_07_effective_date step_07_interest_rate step_08_effective_date step_08_interest_rate step_09_effective_date step_09_interest_rate step_10_effective_date step_10_interest_rate step_max_interest_rate step_max_interest_rate_date step_rate_flag step_rate_number term_postmod capitalized_corporate_advance_postmod capitalized_escrow_postmod capitalized_interest_postmod capitalized_other_postmod capitalized_total_postmod init_periodic_rate_cap_postmod init_periodic_rate_floor_postmod lifetime_cap_postmod lifetime_floor_postmod lookback_days_postmod mod_principal_capitalized periodic_cap_postmod periodic_floor_postmod round_code_postmod step_01_pi_amount step_02_pi_amount step_03_pi_amount step_04_pi_amount step_05_pi_amount step_06_pi_amount step_07_pi_amount step_08_pi_amount step_09_pi_amount step_10_pi_amount ismodrecorded ModDocStatus ModComments total_outstanding_deferred audited_total_outstanding_deferred diff__total_outstanding_deferred interest_bearing_balance_postmod pra_year_1_reduction_amount pra_year_2_reduction_amount pra_year_3_reduction_amount mod_extension_deferment mod_extension_date new_maturity_date number_of_deferments total_extension_deferment_amount
XXXXXX XXXXXX XXXX $XX,XXX.X No       No X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. Non-HAMP $XX,XXX. X.X% XXX ARM [2] No   36 0.0275 0.11 0.015       Treasury - One Year 12 Months                                             No   XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX 0.05 0.015 0.075 0.02 45 Days [45] $XX,XXX.XX XXXX XXXX XXXX                     No Copy/Image The original note payment shows the amount of $XXX and rate XX % locate on page XX.  The current mortgage statement is located on page XX and confirms the current interest rate and payment. Modification has a descreased rate and payment. The maturity date changed from XX/XX/XXXX to XX/XX/XXXX.  There is no evidence in the loan file to show the re-disclosure was done.
There's no deferred amount or PRA amount.		     $XXX $XXX $XXX $XXX $XXX No     0  
XXXXXX XXXXXX XXXX $XXx,XXX.X Yes     $XXX,XXX Yes X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. HAMP $XX,XXX. X.X%   Step [99]                       XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                             XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX               No Copy/Image This loan originally closed on XX/XX/XXXX as an ARM with a start rate of X.XX% located on page XXX.  
The loan had X modifications. XX/XX/XXXX  mod on page XXX. XX/XX/XXXX  mod on page XXX-XXX matches the data tape.  . The maturity date was extended from XX/XX/XXXX  to XX/XX/XXXX  The HAMP Modification did not require new disclosures.  The current mortgage statement dated XX/XX/XX on page XXX matches the P&I of the current mod.		 $XXX,XXX   $XXX $XXX       Yes XX/XX/XXXX XX/XX/XXXX 1 $XXX,XXX.XX
XXXXXX XXXXXX XXXX $XXx,XXX.X No     $XXX,XXX Yes X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. HAMP $XX,XXX. X.X%   Step [99]                       XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                     XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX           No Copy/Image The original Note shows a payment of $XXXXX (pXXXX).  The first modification is dated XX/XX/XXXX  and is located on page XXXX.  The Step HAMP Modification (pXXX) with an initial rate of XX%, and a final and current rate of XXX%. The statement in the file confirms the current rate and payment of $XXXX There is a $XXXXXdeferred balance and no PRA amount.  HAMP modification does not require re-disclosures. $XXX,XXX   $XXX $XXX $XXX $XXX $XXX Yes XX/XX/XXXX XX/XX/XXXX 1 $XXX,XXX.XX
XXXXXX XXXXXX XXXX $XX,XXX.X Yes       No X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX Yes   $XX,XXX. Non-HAMP $XX,XXX. X.X% XXX Fixed [1]                       XX/XX/XXXX                                           No   XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX                           No Copy/Image The original note shows a ARM with payment of $XXX until maturity (page XX).
The loan file contained the signed Non-HAMP modification with an effective date of XX/XX/XXXX with a new principal balance of $XX,XXX with a rate of XX% and the initial payment of $XXXon XX/XX/XXXX maturity date of XX/XX/XXXX  (page XX) and a principal forgiveness amount of $XXXX (page XX).
The current mortgage statement is located on (pageXX) which confirms the current interest rate of XX% and monthly payment of $XXXX.
                
     $XXX $XXX       No        
XXXXXX XXXXXX XXXX $XXX,XXX.X No     $XX,XXX Yes     No XXX XXX Yes XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. Non-HAMP $XX,XXX. X.X%   Step [99]                       XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                         XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX             No Copy/Image The loan file contains the signed Non Hamp Modification Agreement.  The Mod did not require re-disclosure due to delinquency as well as the amortization remained fixed and the rate decreased and no new credit advanced.

 $XXX,XXX   $XXX $XXX       Yes XX/XX/XXXX XX/XX/XXXX 1 $XXX,XXX.XX
XXXXXX XXXXXX XXXX $XXX,XXX.X No       No X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. Non-HAMP $XX,XXX. X.X% XXX Fixed [1]                       XX/XX/XXXX                                           No   XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX                           No Copy/Image The original Note shows a payment of $XXXX The current mortgage statement is located on page XXX and confirms the current interest rate of XX% and payment of $XXX There is no deferred balance or PRA amount.  Modification was a result of default / delinquency, as evident by documents in the file, with decreased rate and payment. The Maturity Date changed from XX/XX/XXXX to XX/XX/XX There is no evidence in the loan file to show the re-disclosure was done.

     $XXX $XXX       No     0  
XXXXXX XXXXXX XXXX $XXX,XXX.X No       No X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX Yes   $XX,XXX. Non-HAMP $XX,XXX. X.X%   Fixed [1]                       XX/XX/XXXX                                           No   XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX                           No Copy/Image This loan was modified on XX/XX/XXXX with a fixed interest rate of XX% and a prinicpal forgiveness of $XX,XXX. There are two previous modifications, in XXXX (p.XX) and in XXXX(p.XX). The maturity date has been extended and no evidence of re-disclosure is found in the file. The original note is found on page XXX The most recent billing statement is found on page XXX     $XXX $XXX       No     0  
XXXXXX XXXXXX XXXX $XXX,XXX.X No       No X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. HAMP $XX,XXX. X.X% XXX Step [99]                       XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                             XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX               No Copy/Image Original note is located on page XX with the rate of XX% and a P&I of $XXX.  Step-Hamp Modification is located on page XX with a rate of XX% and a P&I of $XXX  The HAMP Modification did not require new disclosures. There wasnt a current statement in the loan file but there was a statment for the increase in rate that stated that the rate is XX% and P&I of $XXXX     $XXX $XXX       No     0  
XXXXXX XXXXXX XXXX $XXX,XXX.X No $XX   $XX,XXX Yes X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No $XX,XXX. $XX,XXX. HAMP $XX,XXX. X.X%   Step [99]   $XX,XXX.XX         XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX     XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                         XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX             No Copy/Image A current mortgage statement is not located in the loan file to confirm the current interest rate and payment. The loan file contained the signed Modification, dated XX/XX/XXXX (p.XXX). The loan file did not contain any other modifications. The most recent modification reflected an update to the Maturity Date, changing from the origination maturity date of XX/XX/XXXX to XX/XX/XXXX.  The modification states the principal balance is $XXX,XXXof which $XX,XXX is deferred and of the deferred $XXXXXX is a PRA eligible for forgiveness.  The loan  file also includes a Recast located on page XXX with an effective date of XX/XX/XXXX, current unpaid principal balance of $XXX,XXX.XX with an additional $XXXXX interest bearing principal balance reduction, the deferred balance is reduced to $15,758.00 and the rate and payment is recast and reflects as the current rate and payment.  The recast also states a balloon payment of $XX,XXX is due at maturity.
 $XXX,XXX   $XXX $XXX $XXX $XXX $XXX Yes     1 $XXX,XXX.XX
XXXXXX XXXXXX XXXX $XXX,XXX.X Yes     $XX,XXX Yes X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX Yes   $XX,XXX. Non-HAMP $XX,XXX. X.X%   Step [99]                       XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                     XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX           Yes Copy/Image Modification in the loan file principal balance is $XXX,XXX The current rate and P&I is taken from the modification agreement as no current mortgage statement is located in the file.  Modification was a result of default / delinquency, as evident by documents in the file, with decreased rate and payment. The Maturity Date changed from XX/XX/XXXX to XX/XX/XXXX. There is no evidence in the loan file to show the re-disclosure was done. $XXX,XXX   $XXX $XXX       Yes     1 $XXX,XXX.XX
XXXXXX XXXXXX XXXX $XXX,XXX.X No     $XX,XXX Yes X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. Non-HAMP $XX,XXX. X.X%   Fixed [1]                       XX/XX/XXXX                                           No   XXX $XXX.XX $XXX.XX $XXX.XX   $XX,XXX.XX           $XX,XXX.XX                           No Copy/Image The original note in the file was made in the amount of $XXXX with a monthly payment of $XX% (pg. XX).   A Non-HAMP modification was in the file and reflected a principal balance of $XXXXXXwith an interest rate of XX%. Modification was a result of default / delinquency, as evident by documents in the file, with decreased rate and payment. The Maturity Date changed from XX/XX/XXXX to XX/XX/XXXX. There is no evidence in the loan file to show the re-disclosure was done.  The modification in file reflects a deferred balance of $XX/XX/XXXX and there was no PRA amount.   Statement in the file confirms current modified payment of $X,XXX (pg. XXX).
 $XXX,XXX   $XXX $XXX       Yes     1 $XXX,XXX.XX
XXXXXX XXXXXX XXXX $XXX,XXX.X Yes     $XX,XXX Yes X.XX% X.XX% No XXX XXX No XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. HAMP $XX,XXX. X.X%   Step [99]                       XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                         XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX   $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX             No Copy/Image The loan originally closed on XX/XX/XXXX with an adjustable rate of X.XX%, p. XXX.  The loan modified to a Non-HAMP interest only modification on XX/XX/XXXX with a fixed rate of XX% initial and payment of $XXX, pg XX The loan file contained the signed HAMP Modification dated XX/XX/XXXX with a step rate with initial rate of X% and payment of $XXX.XX , p. XXX Modification was a result of financial  hardship as evident by the modification, with decreased rate and payment. The most recent modification reflected an update to the Maturity Date, changing from the origination maturity date of XX/XX/XXXX to XX/XX/XXXX. The HAMP Modification did not require new disclosures.

 $XXX,XXX   $XXX $XXX       Yes XX/XX/XXXX XX/XX/XXXX 1 $XXX,XXX.XX
XXXXXX XXXXXX XXXX $XXX,XXX.X No       No     No   XXX Yes XX/XX/XXXX No   XX/XX/XXXX XX/XX/XXXX No XX/XX/XXXX XX/XX/XXXX No   $XX,XXX. HAMP - Active Perm $XX,XXX. X.X% XXX Step [99]                       XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX                     XXXX XX/XX/XXXX Yes XXXX XXX $XXX.XX $XXX.XX $XXX.XX $XXX.XX $XX,XXX.XX           $XX,XXX.XX       $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX $XX,XXX.XX           No Copy/Image Mod did not require new disclosures; change was due to financial hardship.     $XXX $XXX $XXX $XXX $XXX No     0