mismo_enum 0.1.2

data/app/models/mismo_enum/index_type.rb

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+# app/models/mismo_enum/index_type.rb
+# enum
+
+class MismoEnum::IndexType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'Specifies the general category of mortgage index upon which adjustments'+
+    ' will be based.'
+  end
+
+  def self.seed
+    [[1, 'LIBOR', 'London Interbank Offered Rate'],
+     [2, 'ConstantMaturityTreasury', 'Often referred to as CMT'],
+     [3, 'BankPrimeLoan', 'Often referred to as Prime Rate'],
+     [4, 'CertificateOfDepositIndex', 'Often referred to as CODI'],
+     [5, 'CostOfSavingsIndex', 'Often referred to as COSI'],
+     [6, 'EleventhDistrictCostOfFundsIndex', 'Often referred to as COFI'],
+     [7, 'Other', ''],
+     [8, 'TreasuryBill', 'Often referred to as T-Bill'],
+     [9, 'TwelveMonthTreasuryAverage', 'Often referred to as MTA']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/loan_delinquency_status_type.rb

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+# app/models/mismo_enum/loan_delinquency_status_type.rb
+# enum
+
+class MismoEnum::LoanDelinquencyStatusType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'Loan Delinquency Status Type is used to report the status of a delinquent'+
+      ' loan (i.e., is the loan in delinquency, foreclosure, bankruptcy, or '+
+      'some other status).'
+  end
+
+  def self.seed
+    [[1, 'AssignmentPursued', 'An FHA-insured mortgage that qualifies for HUD '+
+           'special assignment procedures is in the process of being assigned '+
+           'to HUD.'],
+     [2, 'Assumption', 'The Servicer is working with the borrower to sell the '+
+           'property by permitting the purchaser to pay the delinquent '+
+           'installments and assume the outstanding debt.'],
+     [3, 'ChapterElevenBankruptcy', 'The borrower has filed for bankruptcy '+
+           'under Chapter 11 of the Federal Bankruptcy Act.'],
+     [4, 'ChapterSevenBankruptcy', 'The borrower has filed for bankruptcy '+
+           'under Chapter 7 of the Federal Bankruptcy Act.'],
+     [5, 'ChapterThirteenBankruptcy', 'The borrower has filed for bankruptcy '+
+           'under Chapter 13 of the Federal Bankruptcy Act.'],
+     [6, 'ChapterTwelveBankruptcy', 'The borrower has filed for bankruptcy '+
+           'under Chapter 12 of the Federal Bankruptcy Act. A Chapter 12 '+
+           'bankruptcy is a bankruptcy action that involves the reorganization'+
+           ' of a family farming business.'],
+     [7, 'ChargeOffPursued', 'The investor has agreed not to pursue collection'+
+           ' efforts or legal actions against the borrower because of a '+
+           'reduced value for the property, a low outstanding mortgage '+
+           'balance, or the presence of environmental hazards on the '+
+           'property.'],
+     [8, 'ContestedForeclosure', 'Borrower has contested the legal action of '+
+           'the servicer or there is litigation pending or filed that '+
+           'adversely affects the property. For example, a borrower or other '+
+           'defendant interposes an answer to an action, or files a '+
+           'countersuit.'],
+     [9, 'Current', 'The loan has been made current and is no longer '+
+           'delinquent.'],
+     [10, 'DelinquentNoAction', 'Considered delinquent based on investor '+
+            'guidelines, but the servicer has not taken legal action.'],
+     [11, 'DrugSeizure', 'The Department of Justice or a state/local agency '+
+            'has decided to seize (or has seized) a property under the '+
+            'forfeiture provision of the Controlled Substances Act.'],
+     [12, 'Forbearance', 'The Servicer has authorized a temporary suspension '+
+            'of payments or a repayment plan that calls for periodic payments '+
+            'of less than the normal monthly payment, or periodic payments at '+
+            'different intervals, to give the borrower additional time to '+
+            'bring the mortgage current.'],
+     [13, 'Foreclosure', 'The Servicer has referred the case to an attorney to'+
+            ' take legal action to acquire the property through a foreclosure '+
+            'sale.'],
+     [14, 'GovernmentSeizure', 'An action by a local agency to seize or '+
+            'initiate forfeiture proceedings against a property.'],
+     [15, 'MediationReferral', 'The mortgage loan has been referrerd to '+
+            'mediation.'],
+     [16, 'MilitaryIndulgence', 'The Servicer has granted a delinquent service'+
+            ' member forbearance or a stay in foreclosure proceedings under '+
+            'the provisions of the Soldiers and Sailors Civil Relief Act.'],
+     [17, 'Modification', 'The Servicer is working with the borrower to '+
+            'renegotiate the terms of the mortgage.'],
+     [18, 'PreforeclosureSalePlanned', 'The Servicer plans to pursue a '+
+            'preforeclosure sale with a payoff of less than the full amount '+
+            'of indebtedness.'],
+     [19, 'Probate', 'The Servicer cannot pursue (or complete) foreclosure '+
+            'action because proceedings required to verify a will of a '+
+            'deceased mortgagor are in process.'],
+     [20, 'Refinance', 'The Servicer is pursuing a new loan in which the '+
+            'existing first mortgage is paid off with the proceeds of the new '+
+            'mortgage.'],
+     [21, 'RepaymentPlan', 'A written or verbal agreement between the Servicer'+
+            ' and the borrower that gives the borrower a defined period of '+
+            'time to reinstate the mortgage by making payments in excess of '+
+            'the monthly payment.'],
+     [22, 'SecondLienConsiderations', 'The Servicer is evaluating the pros and'+
+            ' cons of pursuing foreclosure or recommending that the debt be '+
+            'charged off on a second mortgage.'],
+     [23, 'ShortSalePlanning', 'The Servicer is working with the borrower to '+
+            'pursue a short sale.'],
+     [24, 'TrialModificationActive', 'The borrower has been approved to '+
+            'participate in a modification that requires a trial period plan '+
+            'and is current on their trial payments.'],
+     [25, 'VeteransAffairsBuydown', 'The investor has agreed to make a cash '+
+            'contribution to reduce the outstanding indebtedness of a '+
+            'VA-guaranteed mortgage, for which the Department of Veterans '+
+            'Affairs failed to establish an "upset price" bid for the '+
+            'foreclosure sale, in order to get the VA to reconsider its '+
+            'decision. Servicer has completed processing the Buydown.'],
+     [26, 'VeteransAffairsNoBids', 'The Department of Veterans Affairs refused'+
+            ' to establish an \"upset price\" to be bid at the foreclosure sale '+
+            'of a VA-guaranteed mortgage that the Servicer had referred for '+
+            'foreclosure. Servicer is pursuing a buydown, charge-off or other '+
+            'alternative.'],
+     [27, 'VeteransAffairsRefundPursued', 'The Department of Veterans Affairs '+
+            'has requested information about a VA-guaranteed mortgage the '+
+            'Servicer had referred for foreclosure in order to decide whether '+
+            'to accept an assignment and refund the mortgage.'],
+     [28, 'Workout', 'There is a workout being pursued on the loan that will '+
+            'help bring the loan current or liquidate the loan to avoid '+
+            'foreclosure.']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/loan_purpose_type.rb

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+# app/models/mismo_enum/loan_purpose_type.rb
+# enum
+
+class MismoEnum::LoanPurposeType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'Specifies the purpose for which the loan proceeds will be used.'
+  end
+
+  def self.seed
+    [[1, 'Purchase', 'A loan made in association with the original purchase of'+
+        ' a piece of property.'],
+     [2, 'Refinance', 'The repayment of a debt from proceeds of a new loan '+
+        'using the same property as security or a mortgage secured by a '+
+        'property previously owned free and clear by the Borrower.'],
+     [3, 'MortgageModification', 'Terms of the mortgage are modified from the '+
+        'original terms agreed to by the lender and borrower'],
+     [4, 'Other', ''],
+     [5, 'Unknown', 'Loan Purpose has not been reported or is not known.']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/loan_state_type.rb

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+# app/models/mismo_enum/loan_state_type.rb
+# enum
+
+class MismoEnum::LoanStateType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'Identifies the state in time for the information associated with this '+
+    'occurrance of LOAN'
+  end
+
+  def self.seed
+    [[1, 'AtBankruptcyFiling', 'A snapshot of the loan data at the time a '+
+         'borrower files for bankruptcy.'],
+     [2, 'AtClosing', 'A snapshot of the loan data at the completion of the '+
+         'closing process. This is sometimes referred to as "original".'],
+     [3, 'AtConversion', 'For loans with a conversion option, a snapshot of '+
+         'the loan data at the time the conversion features become effective '+
+         '(e.g., biweekly to monthly payments; adjustable to fixed rate '+
+           'amortization).'],
+     [4, 'AtEstimate', 'A snapshot of the loan data at the point in time when '+
+         'a loan estimate is disclosed.'],
+     [5, 'AtModification', 'For loans which undergo term modifications not '+
+         'originally specified in the note, a snapshot of the loan data at '+
+         'the time the new note terms become effective.'],
+     [6, 'AtRelief', 'For loans subject to payment relief, a snapshot of the '+
+         'loan data at the time the relief is initiated.'],
+     [7, 'AtReset', 'For balloon mortgages with a reset feature, a snapshot '+
+         'of the loan data on the balloon maturity date at the time the '+
+         'borrower exercises the reset option to modify and extend the '+
+         'balloon note.'],
+     [8, 'AtTransfer', 'A snapshot of the loan data as of the effective date '+
+         'of the servicing transfer.'],
+     [9, 'AtTrial', 'A snapshot of the loan data at the initiation of a trial '+
+         'period for a workout modification.'],
+     [10, 'AtUnderwriting', 'A snapshot of the loan data at the point at which '+
+          'the underwriting recommendation is made.'],
+     [11, 'Current', 'A snapshot of the loan data as of the "Loan State Date".']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/marital_status_type.rb

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+# app/models/mismo_enum/marital_status_type.rb
+# enum
+
+class MismoEnum::MaritalStatusType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'The marital status of the party as disclosed by the party.'
+  end
+
+  def self.seed
+    [[1, 'Married', ''],
+     [2, 'NotProvided', ''],
+     [3, 'Separated', ''],
+     [4, 'Unknown', ''],
+     [5, 'Unmarried', '']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/mortgage_type.rb

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+# app/models/mismo_enum/mortgage_type.rb
+# enum
+
+class MismoEnum::MortgageType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'Identifies the highest level private or public sector entity under whose'+
+    ' guidelines the mortgage is originated.'
+  end
+
+  def self.seed
+    [[1, 'Conventional', 'Mortgage financing which is not insured or '+
+       'guaranteed by a government agency.'],
+     [2, 'FHA', "A loan originated in accordance with the guidelines of HUD's"+
+       " Federal Housing Administration, a federal agency that provides "+
+       "mortgage insurance on single-family, multifamily, manufactured homes "+
+       "and hospital loans made by FHA-approved lenders throughout the United "+
+       "States and its territories."],
+     [3, 'LocalAgency', 'A loan originated in accordance with the guidelines '+
+        'of an agency governed by a municipal jurisdiction.'],
+     [4, 'Other', ''],
+     [5, 'PublicAndIndianHousing', "A loan originated in accordance with the "+
+        "guidelines of HUD's Office of Native American Programs, which "+
+        "provides safe and affordable housing for lower-income Native "+
+        "American, Alaska Native and Native Hawaiian families."],
+     [6, 'StateAgency', 'A loan originated in accordance with the guidelines '+
+        'of an agency governed by a state jurisdiction.'],
+     [7, 'USDARuralDevelopment', "A loan originated in accordance with the "+
+        "guidelines of the USDA Rural Development Agency's Housing and "+
+        "Community Facilities Program, which provides funding for single "+
+        "family homes in rural communities."],
+     [8, 'VA', 'A loan originated in accordance with the guidelines of the '+
+        'Department of Veterans Affairs’ Loan Guaranty Home Loan Program, '+
+        'which guarantees loans made by private lenders, such as banks, '+
+        'savings & loans, or mortgage companies to eligible veterans for the '+
+        'purchase of a home which must be for their own personal occupancy.']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/payment_delinquency_status_type.rb

@@ -0,0 +1,22 @@
+# app/models/mismo_enum/payment_delinquency_status_type.rb
+# enum
+
+class MismoEnum::PaymentDelinquencyStatusType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'Reports the delinquency status of the specific delinquency event.'
+  end
+
+  def self.seed
+    [[1, 'MoreThan120Days', ''],
+     [2, 'MoreThan30Days', ''],
+     [3, 'MoreThan60Days', ''],
+     [4, 'MoreThan90Days', ''],
+     [5, 'NotDelinquent', '']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/postal_state.rb

@@ -0,0 +1,95 @@
+# app/models/mismo_enum/postal_state.rb
+# utility enum (not mismo)
+
+class MismoEnum::PostalState < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'List of states and territories with accompanying Postal abbreviation.'+
+    ' https://en.wikipedia.org/wiki/List_of_U.S._state_abbreviations'
+  end
+
+  def self.seed
+    [[1, 'AK',  'Alaska'],
+    [2, 'AL', 'Alabama'],
+    [3, 'AR', 'Arkansas'],
+    [4, 'AZ', 'Arizona'],
+    [5, 'CA', 'California'],
+    [6, 'CO', 'Colorado'],
+    [7, 'CT', 'Connecticut'],
+    [8, 'DE', 'Delaware'],
+    [9, 'FL', 'Florida'],
+    [10, 'GA', 'Georgia'],
+    [11, 'HI', 'Hawaii'],
+    [12, 'IA', 'Iowa'],
+    [13, 'ID', 'Idaho'],
+    [14, 'IL', 'Illinois'],
+    [15, 'IN', 'Indiana'],
+    [16, 'KS', 'Kansas'],
+    [17, 'KY', 'Kentucky'],
+    [18, 'LA', 'Louisiana'],
+    [19, 'MA', 'Massachusetts'],
+    [20, 'MD', 'Maryland'],
+    [21, 'ME', 'Maine'],
+    [22, 'MI', 'Michigan'],
+    [23, 'MN', 'Minnesota'],
+    [24, 'MO', 'Missouri'],
+    [25, 'MS', 'Mississippi'],
+    [26, 'MT', 'Montana'],
+    [27, 'NC', 'North Carolina'],
+    [28, 'ND', 'North Dakota'],
+    [29, 'NE', 'Nebraska'],
+    [30, 'NH', 'New Hampshire'],
+    [31, 'NJ', 'New Jersey'],
+    [32, 'NM', 'New Mexico'],
+    [33, 'NV', 'Nevada'],
+    [34, 'NY', 'New York'],
+    [35, 'OH', 'Ohio'],
+    [36, 'OK', 'Oklahoma'],
+    [37, 'OR', 'Oregon'],
+    [38, 'PA', 'Pennsylvania'],
+    [39, 'RI', 'Rhode Island'],
+    [40, 'SC', 'South Carolina'],
+    [41, 'SD', 'South Dakota'],
+    [42, 'TN', 'Tennessee'],
+    [43, 'TX', 'Texas'],
+    [44, 'UT', 'Utah'],
+    [45, 'VA', 'Virginia'],
+    [46, 'VT', 'Vermont'],
+    [47, 'WA', 'Washington'],
+    [48, 'WI', 'Wisconsin'],
+    [49, 'WV', 'West Virginia'],
+    [50, 'WY', 'Wyoming'],
+
+    # Evil Empire
+    [51, 'DC', 'District of Columbia'],
+
+    # Territories
+    [52, 'AS', 'American Samoa'],
+    [53, 'GU', 'Guam'],
+    [54, 'MP', 'Northern Mariana Islands'],
+    [55, 'PR', 'Puerto Rico'],
+    [56, 'VI', 'U.S. Virgin Islands'],
+    [57, 'UM', 'United States Minor Outlying Islands'],
+
+    # Freely Associated States
+    [58, 'AA', 'Federated States of Micronesia'],
+    [59, 'MH', 'Marshall Islands'],
+    [60, 'PW', 'Palau'],
+
+    # Armed Forces
+    [61, 'AA', 'Armed Forces Americas (except Canada)'],
+    [62, 'AE', 'Armed Forces Europe (covers all USARAEUR, Armed Forces Canada, ' +
+           'Armed Forces Middle East, Armed Forces Africa'],
+    [63, 'AP', 'Armed Forces Pacific'],
+
+    # No Longer Used
+    [64, 'CZ', 'Canal Zone'],
+    [65, 'TT', 'Trust Territory of the Pacific Islands'],
+    [66, 'PI', 'Rizal State']
+    ].each { |id, short_name, name| create(:id => id,
+                                           :name => short_name,
+                                           :description => name) }
+  end
+end

data/app/models/mismo_enum/prepayment_penalty_option_type.rb

@@ -0,0 +1,21 @@
+# app/models/mismo_enum/prepayment_penalty_option_type.rb
+# enum
+
+class MismoEnum::PrepaymentPenaltyOptionType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'Identifies the type of early principal repayment eligible for a penalty'+
+    ' charge.'
+  end
+
+  def self.seed
+    [[1, 'Hard', 'Standard prepay penalty applies in all situations.'],
+     [2, 'Soft', 'Borrower may sell property without penalty. However, '+
+        'refinance will incur penalty.']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end

data/app/models/mismo_enum/project_design_type.rb

@@ -0,0 +1,24 @@
+# app/models/mismo_enum/project_design_type.rb
+# enum
+
+class MismoEnum::ProjectDesignType < MismoEnum::Base
+  validates_presence_of :name
+  validates_uniqueness_of :name
+
+  def self.description
+    'This field specifies the type of design for the multiple unit buildings'+
+    ' in a project.'
+  end
+
+  def self.seed
+    [[1, 'GardenProject', ''],
+     [2, 'HighriseProject', ''],
+     [3, 'MidriseProject', ''],
+     [4, 'TownhouseRowhouse', 'One in a row of identical houses or having '+
+        'common wall. Attached to another unit via common wall (e.g., a '+
+        'brownstone.)']
+    ].each { |id, entry, desc| create(id:          id,
+                                      name:        entry,
+                                      description: desc) }
+  end
+end