parse_decision 0.0.5

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Files changed (68) hide show
  1. checksums.yaml +7 -0
  2. data/.gitignore +17 -0
  3. data/.rspec +2 -0
  4. data/Gemfile +6 -0
  5. data/LICENSE +22 -0
  6. data/README.md +71 -0
  7. data/bin/parse_decision +126 -0
  8. data/lib/parse_decision/config.rb +90 -0
  9. data/lib/parse_decision/controller.rb +142 -0
  10. data/lib/parse_decision/parsedecisiontask.rb +31 -0
  11. data/lib/parse_decision/parser.rb +194 -0
  12. data/lib/parse_decision/pd_context.rb +148 -0
  13. data/lib/parse_decision/plugin/application.rb +48 -0
  14. data/lib/parse_decision/plugin/plugin.rb +56 -0
  15. data/lib/parse_decision/plugin/ppm_xpath.rb +70 -0
  16. data/lib/parse_decision/plugin/pre_decision_guideline.rb +177 -0
  17. data/lib/parse_decision/plugin/product.rb +176 -0
  18. data/lib/parse_decision/plugin/product_xpath.rb +52 -0
  19. data/lib/parse_decision/plugin/web_product.rb +179 -0
  20. data/lib/parse_decision/plugin.rb +50 -0
  21. data/lib/parse_decision/version.rb +5 -0
  22. data/lib/parse_decision.rb +59 -0
  23. data/parse_decision.gemspec +27 -0
  24. data/rakefile.rb +58 -0
  25. data/spec/context_spec.rb +21 -0
  26. data/spec/data/multiproduct.decision.txt +1481 -0
  27. data/spec/data/prod.decision.txt +3957 -0
  28. data/spec/data/reference/multiproduct/001-APP.xml +1 -0
  29. data/spec/data/reference/multiproduct/001-Mod-Forbear-PRODUCT.xml +357 -0
  30. data/spec/data/reference/multiproduct/001-Mod-Forgive-PRODUCT.xml +361 -0
  31. data/spec/data/reference/multiproduct/001-Mod-RateTerm-PRODUCT.xml +353 -0
  32. data/spec/data/reference/multiproduct/001-Mod-SAM-PRODUCT.xml +365 -0
  33. data/spec/data/reference/product/001-APP.xml +1 -0
  34. data/spec/data/reference/product/001-Validation-Rules.xml +536 -0
  35. data/spec/data/reference/product/002-APP.xml +1 -0
  36. data/spec/data/reference/product/002-FAPIILoanModification-PRODUCT.xml +1770 -0
  37. data/spec/data/reference/web/001-APP.xml +1 -0
  38. data/spec/data/reference/web/001-Product01-PRODUCT.xml +1088 -0
  39. data/spec/data/reference/web/002-APP.xml +1 -0
  40. data/spec/data/reference/web/002-Product01-PRODUCT.xml +15 -0
  41. data/spec/data/reference/workflow/001-APP.xml +1 -0
  42. data/spec/data/reference/workflow/001-WF-DataClearing-Pre-Rules.xml +37 -0
  43. data/spec/data/reference/workflow-2/001-APP.xml +1 -0
  44. data/spec/data/reference/workflow-2/001-WF-ProdSel-Post-Rules.xml +699 -0
  45. data/spec/data/test.rb +13 -0
  46. data/spec/data/validation.decision.txt +1199 -0
  47. data/spec/data/web.decision.txt +1128 -0
  48. data/spec/data/wf.decision.txt +43 -0
  49. data/spec/data/wf2.decision.txt +705 -0
  50. data/spec/parser_spec.rb +308 -0
  51. data/spec/plugin_app_spec.rb +40 -0
  52. data/spec/plugin_ppmxpath_spec.rb +74 -0
  53. data/spec/plugin_predecision_spec.rb +81 -0
  54. data/spec/plugin_product_spec.rb +117 -0
  55. data/spec/plugin_productxpath_spec.rb +76 -0
  56. data/spec/plugin_spec.rb +54 -0
  57. data/spec/spec_helper.rb +81 -0
  58. data/test/data/2.2.decision-multiple.txt +1391 -0
  59. data/test/data/2.2.decision.txt +1128 -0
  60. data/test/data/2.decision.txt +1481 -0
  61. data/test/plugins/test_plugin_predecisionguideline.rb +120 -0
  62. data/test/plugins/test_plugin_product.rb +120 -0
  63. data/test/test_config.rb +90 -0
  64. data/test/test_context.rb +103 -0
  65. data/test/test_parse_webdecision.rb +121 -0
  66. data/test/test_parser.rb +69 -0
  67. data/test/test_parser_parse.rb +110 -0
  68. metadata +225 -0
data/spec/data/reference/web/001-Product01-PRODUCT.xml ADDED
@@ -0,0 +1,1088 @@
1
+ <PRODUCT_DATA>
2
+ <Rules> <Rule Name="IMPC Initialization PLK.1" Id="9863" ConditionResult="True">
3
+ <DPM Name="Lien Number" Type="DPM">1</DPM>
4
+ <DPM Name="Future Income" Type="DPM"></DPM>
5
+ <DPM Name="Hardship Severity" Type="DPM"></DPM>
6
+ <DPM Name="Hardship Term" Type="DPM"></DPM>
7
+ <DPM Name="Gross Target DTI1" Type="DPM">0</DPM>
8
+ <DPM Name="Gross Target DTI2" Type="DPM">0</DPM>
9
+ <DPM Name="Backend Target DTI" Type="DPM">0</DPM>
10
+ <DPM Name="Decision" Type="DPM">Pass</DPM>
11
+ <DPM Name="Rate Matrix Group" Type="DPM">0</DPM>
12
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
13
+ <DPM Name="Max LTV" Type="DPM">0</DPM>
14
+ <DPM Name="Min CLTV" Type="DPM">0</DPM>
15
+ <DPM Name="Max CLTV" Type="DPM">0</DPM>
16
+ <DPM Name="Min UPB" Type="DPM">0</DPM>
17
+ <DPM Name="Max UPB" Type="DPM">0</DPM>
18
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
19
+ <DPM Name="Motivation" Type="DPM"></DPM>
20
+ <DPM Name="Months Delinquent" Type="DPM">0</DPM>
21
+ <DPM Name="Current Occupancy" Type="DPM">PrimaryResidence</DPM>
22
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
23
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
24
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
25
+ <DPM Name="Min Rate-RateTerm" Type="DPM">0</DPM>
26
+ <DPM Name="Min Rate-Forbear" Type="DPM">0</DPM>
27
+ <DPM Name="Min Rate-Forgive" Type="DPM">0</DPM>
28
+ <DPM Name="Min Rate-SAM" Type="DPM">0</DPM>
29
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
30
+ <DPM Name="Mod Term1" Type="DPM">0</DPM>
31
+ <DPM Name="Mod Term2" Type="DPM">0</DPM>
32
+ <DPM Name="Term Rate Threshold" Type="DPM">0</DPM>
33
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
34
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
35
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
36
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
37
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
38
+ <DPM Name="Borrower Contribution" Type="DPM">0</DPM>
39
+ <DPM Name="Property Type" Type="DPM">DPUDS</DPM>
40
+ <DPM Name="No of Units" Type="DPM">0</DPM>
41
+ <DPM Name="Current UPB" Type="DPM">377150.83</DPM>
42
+ <DPM Name="Mortgage Owner" Type="DPM">Private</DPM>
43
+ <DPM Name="LTV" Type="DPM">80</DPM>
44
+ <DPM Name="CLTV" Type="DPM">0</DPM>
45
+ <DPM Name="Housing Region" Type="DPM">Stable</DPM>
46
+ <DPM Name="overrideStepRateTerm" Type="DPM">N</DPM>
47
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
48
+ <DPM Name="Display Grid" Type="DPM">Y</DPM>
49
+ <DPM Name="Todays Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
50
+ <DPM Name="Decision Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
51
+ </Rule>
52
+ <Rule Name="HPI-Initialization PLK.1" Id="3903" ConditionResult="True">
53
+ <DPM Name="Discount Rate Actual" Type="DPM">4.5</DPM>
54
+ <DPM Name="MSA Title" Type="DPM">Truckee-Grass Valley CA</DPM>
55
+ <DPM Name="Todays Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
56
+ <DPM Name="Todays Day" Type="DPM">22</DPM>
57
+ <DPM Name="Current Month" Type="DPM">4</DPM>
58
+ <DPM Name="Current Year" Type="DPM">2010</DPM>
59
+ <DPM Name="State of the Subject Property" Type="DPM">CA</DPM>
60
+ <DPM Name="Global Parameter" Type="DPM">1</DPM>
61
+ </Rule>
62
+ <Rule Name="Impac ForeclosureREO-Assumptions PLK.1" Id="3455" ConditionResult="True">
63
+ <DPM Name="Foreclosure Hold Time" Type="DPM">10.636666667</DPM>
64
+ <DPM Name="REO Hold Time" Type="DPM">6.5166666667</DPM>
65
+ <DPM Name="REO Foreclosure Expense Percentage" Type="DPM">0.0208</DPM>
66
+ </Rule>
67
+ <Rule Name="Impac-REO Foreclosure HPI Future Date No Mod" Id="3456" ConditionResult="True">
68
+ <DPM Name="REO Hold Time" Type="DPM">7</DPM>
69
+ <DPM Name="Foreclosure Hold Time No Mod" Type="DPM">11</DPM>
70
+ <DPM Name="REO Foreclosure Time" Type="DPM">18</DPM>
71
+ <DPM Name="Foreclosure Hold Time No Mod" Type="DPM">18</DPM>
72
+ <DPM Name="REO Foreclosure Time" Type="DPM">18</DPM>
73
+ <DPM Name="REO Foreclosure Time" Type="DPM">6</DPM>
74
+ <DPM Name="REO Foreclosure Time" Type="DPM">6</DPM>
75
+ <DPM Name="REO Foreclosure Time" Type="DPM">18</DPM>
76
+ <DPM Name="REO Foreclosure Time" Type="DPM">24</DPM>
77
+ <DPM Name="Future Date" Type="DPM">4/22/2012 12:00:00 AM</DPM>
78
+ <DPM Name="Future Month" Type="DPM">4</DPM>
79
+ <DPM Name="Temp Number" Type="DPM">2</DPM>
80
+ <DPM Name="Temp String" Type="DPM">22/2012 12:00:00 AM</DPM>
81
+ <DPM Name="Temp Number" Type="DPM">3</DPM>
82
+ <DPM Name="Future Year" Type="DPM">2012 12:00:00 AM</DPM>
83
+ <DPM Name="Future Year" Type="DPM">2012</DPM>
84
+ </Rule>
85
+ <Rule Name="Impac Set Current Quarter No Mod PLK.1" Id="3457" ConditionResult="False">
86
+ </Rule>
87
+ <Rule Name="Impac Set Current Quarter No Mod PLK.2" Id="3458" ConditionResult="True">
88
+ <DPM Name="Current Quarter" Type="DPM">Q2</DPM>
89
+ <DPM Name="Current Quarter No." Type="DPM">2</DPM>
90
+ </Rule>
91
+ <Rule Name="Impac Set Future Quarter No Mod PLK.1" Id="3461" ConditionResult="False">
92
+ </Rule>
93
+ <Rule Name="Impac Set Future Quarter No Mod PLK.2" Id="3462" ConditionResult="True">
94
+ <DPM Name="Future Quarter" Type="DPM">Q2</DPM>
95
+ </Rule>
96
+ <Rule Name="Impac-Year Quarter Concatenation No Mod" Id="3465" ConditionResult="True">
97
+ <DPM Name="YearCurrentQuarter" Type="DPM">2010Q2</DPM>
98
+ <DPM Name="YearQuarterNo" Type="DPM">2010Q2</DPM>
99
+ <DPM Name="Current HPI" Type="DPM"></DPM>
100
+ <DPM Name="YearFutureQuarter" Type="DPM">2012Q2</DPM>
101
+ <DPM Name="YearQuarterNo" Type="DPM">2012Q2</DPM>
102
+ <DPM Name="Future HPI" Type="DPM"></DPM>
103
+ </Rule>
104
+ <Rule Name="Impac-Current HPI if Null No Mod PLK.1" Id="3466" ConditionResult="True">
105
+ <DPM Name="Division Name" Type="DPM">Pacific</DPM>
106
+ <DPM Name="MSA Title" Type="DPM">Pacific</DPM>
107
+ <DPM Name="YearQuarterNo" Type="DPM">2010Q2</DPM>
108
+ <DPM Name="Current HPI" Type="DPM">98.09</DPM>
109
+ </Rule>
110
+ <Rule Name="Impac-Future HPI if Null No Mod PLK.1" Id="3468" ConditionResult="True">
111
+ <DPM Name="Division Name" Type="DPM">Pacific</DPM>
112
+ <DPM Name="MSA Title" Type="DPM">Pacific</DPM>
113
+ <DPM Name="YearQuarterNo" Type="DPM">2012Q2</DPM>
114
+ <DPM Name="Future HPI" Type="DPM">100.55</DPM>
115
+ </Rule>
116
+ <Rule Name="Impac-Housing Region PLK.1" Id="3470" ConditionResult="True">
117
+ <DPM Name="Housing Region" Type="DPM">Stable</DPM>
118
+ </Rule>
119
+ <Rule Name="IMPC DelinquencyStatus PLK.1" Id="9844" ConditionResult="False">
120
+ </Rule>
121
+ <Rule Name="IMPC DelinquencyStatus PLK.2" Id="9845" ConditionResult="False">
122
+ </Rule>
123
+ <Rule Name="IMPC DelinquencyStatus PLK.3" Id="9846" ConditionResult="False">
124
+ </Rule>
125
+ <Rule Name="IMPC DelinquencyStatus PLK.4" Id="9847" ConditionResult="False">
126
+ </Rule>
127
+ <Rule Name="IMPC DelinquencyStatus PLK.5" Id="9848" ConditionResult="True">
128
+ <DPM Name="Months Delinquent" Type="DPM">3</DPM>
129
+ </Rule>
130
+ <Rule Name="IMPC SetMotivation PLK.1" Id="9897" ConditionResult="False">
131
+ </Rule>
132
+ <Rule Name="IMPC SetMotivation PLK.2" Id="9898" ConditionResult="False">
133
+ </Rule>
134
+ <Rule Name="IMPC SetMotivation PLK.3" Id="9899" ConditionResult="False">
135
+ </Rule>
136
+ <Rule Name="IMPC SetMotivation PLK.4" Id="9900" ConditionResult="False">
137
+ </Rule>
138
+ <Rule Name="IMPC SetMotivation PLK.5" Id="9901" ConditionResult="False">
139
+ </Rule>
140
+ <Rule Name="IMPC SetMotivation PLK.6" Id="9902" ConditionResult="False">
141
+ </Rule>
142
+ <Rule Name="IMPC SetPropertyValuation PLK.1" Id="9840" ConditionResult="False">
143
+ </Rule>
144
+ <Rule Name="IMPC SetPropertyValuation PLK.2" Id="9841" ConditionResult="False">
145
+ </Rule>
146
+ <Rule Name="IMPC SetPropertyValuation PLK.3" Id="9842" ConditionResult="False">
147
+ </Rule>
148
+ <Rule Name="IMPC SetPropertyValuation PLK.4" Id="9843" ConditionResult="False">
149
+ </Rule>
150
+ <Rule Name="IMPC SetOccupancy PLK.1" Id="9822" ConditionResult="True">
151
+ <DPM Name="Current Occupancy" Type="DPM">Owner</DPM>
152
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
153
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
154
+ </Rule>
155
+ <Rule Name="IMPC SetProductCode PLK.1" Id="9831" ConditionResult="True">
156
+ <DPM Name="Product Code" Type="DPM">2</DPM>
157
+ </Rule>
158
+ <Rule Name="Assumption-Init" Id="10068" ConditionResult="True">
159
+ <DPM Name="Todays Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
160
+ <DPM Name="assumptionMsg" Type="DPM">NA</DPM>
161
+ </Rule>
162
+ <Rule Name="Assumption-HardshipSeverity" Id="8168" ConditionResult="True">
163
+ <DPM Name="Hardship Severity" Type="DPM">Moderate</DPM>
164
+ </Rule>
165
+ <Rule Name="Assumption-HardshipSeverity-Msg" Id="8169" ConditionResult="True">
166
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Severity: </DPM>
167
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Severity: Moderate</DPM>
168
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate</DPM>
169
+ </Rule>
170
+ <Rule Name="Assumption-HardshipTerm" Id="8170" ConditionResult="True">
171
+ <DPM Name="Hardship Term" Type="DPM">ShortTerm</DPM>
172
+ </Rule>
173
+ <Rule Name="Assumption-HardshipTerm-Msg" Id="8171" ConditionResult="True">
174
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Term: </DPM>
175
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Term: ShortTerm</DPM>
176
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm</DPM>
177
+ </Rule>
178
+ <Rule Name="Assumption-FutureIncome" Id="8172" ConditionResult="True">
179
+ <DPM Name="Future Income" Type="DPM">Improve</DPM>
180
+ </Rule>
181
+ <Rule Name="Assumption-FutureIncome-Msg" Id="8173" ConditionResult="True">
182
+ <DPM Name="tempMsg" Type="DPM">-- Future Income: </DPM>
183
+ <DPM Name="tempMsg" Type="DPM">-- Future Income: Improve</DPM>
184
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve</DPM>
185
+ </Rule>
186
+ <Rule Name="Assumption-BorrowerIntent" Id="8174" ConditionResult="True">
187
+ <DPM Name="Motivation" Type="DPM">Wish To Stay</DPM>
188
+ </Rule>
189
+ <Rule Name="Assumption-BorrowerIntent-Msg" Id="8175" ConditionResult="True">
190
+ <DPM Name="tempMsg" Type="DPM">-- Borrower Intent: </DPM>
191
+ <DPM Name="tempMsg" Type="DPM">-- Borrower Intent: Wish To Stay</DPM>
192
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve-- Borrower Intent: Wish To Stay</DPM>
193
+ </Rule>
194
+ <Rule Name="Assumption-PropertyValueType" Id="8176" ConditionResult="True">
195
+ <DPM Name="Valuation Type" Type="DPM">AVM</DPM>
196
+ </Rule>
197
+ <Rule Name="Assumption-PropertyValueType-Msg" Id="8177" ConditionResult="True">
198
+ <DPM Name="tempMsg" Type="DPM">-- Property Valuation Type: </DPM>
199
+ <DPM Name="tempMsg" Type="DPM">-- Property Valuation Type: AVM</DPM>
200
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve-- Borrower Intent: Wish To Stay-- Property Valuation Type: AVM</DPM>
201
+ </Rule>
202
+ <Rule Name="Assumption-PropertyValue" Id="8178" ConditionResult="False">
203
+ <DPM Name="propertyValue" Type="DPM">490000</DPM>
204
+ </Rule>
205
+ <Rule Name="Assumption-PropertyValue-Msg" Id="8179" ConditionResult="False">
206
+ </Rule>
207
+ <Rule Name="Assumption-Occupancy" Id="8180" ConditionResult="False">
208
+ </Rule>
209
+ <Rule Name="Assumption-Occupancy-Msg" Id="8181" ConditionResult="False">
210
+ </Rule>
211
+ <Rule Name="Assumption-MonthsInDefault" Id="8182" ConditionResult="True">
212
+ <DPM Name="Months in Default" Type="DPM">4</DPM>
213
+ </Rule>
214
+ <Rule Name="Assumption-MonthsInDefault-Msg" Id="8183" ConditionResult="True">
215
+ <DPM Name="tempMsg" Type="DPM">-- Months In Default: </DPM>
216
+ <DPM Name="tempMsg" Type="DPM">-- Months In Default: 4</DPM>
217
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve-- Borrower Intent: Wish To Stay-- Property Valuation Type: AVM-- Months In Default: 4</DPM>
218
+ </Rule>
219
+ <Rule Name="Assumption-IR" Id="8184" ConditionResult="False">
220
+ <DPM Name="interest" Type="DPM">4.375</DPM>
221
+ </Rule>
222
+ <Rule Name="Assumption-IR-Msg" Id="8185" ConditionResult="False">
223
+ </Rule>
224
+ <Rule Name="Assumption-LoanAmount" Id="8186" ConditionResult="False">
225
+ <DPM Name="loanAmount" Type="DPM">377150.83</DPM>
226
+ <DPM Name="Current UPB" Type="DPM">377150.83</DPM>
227
+ </Rule>
228
+ <Rule Name="Assumption-LoanAmount-Msg" Id="8187" ConditionResult="False">
229
+ </Rule>
230
+ <Rule Name="Assumption-CurrentMonthlyPayment" Id="8188" ConditionResult="False">
231
+ <DPM Name="Current Payment" Type="DPM">2147.32</DPM>
232
+ </Rule>
233
+ <Rule Name="Assumption-CurrentMonthlyPayment-Msg" Id="8189" ConditionResult="False">
234
+ </Rule>
235
+ <Rule Name="Assumption-MaturityDate-Test" Id="8190" ConditionResult="True">
236
+ <DPM Name="tmpTerm" Type="DPM">300</DPM>
237
+ <DPM Name="Maturity Date" Type="DPM">4/22/2035 12:00:00 AM</DPM>
238
+ </Rule>
239
+ <Rule Name="Assumption-MaturityDate" Id="8191" ConditionResult="False">
240
+ <DPM Name="Maturity Date" Type="DPM">3/1/2033 12:00:00 AM</DPM>
241
+ </Rule>
242
+ <Rule Name="Assumption-MaturityDate-Msg" Id="8192" ConditionResult="False">
243
+ </Rule>
244
+ <Rule Name="Assumption-LienNumber" Id="8193" ConditionResult="False">
245
+ </Rule>
246
+ <Rule Name="Assumption-LienNumber-Msg" Id="8194" ConditionResult="False">
247
+ </Rule>
248
+ <Rule Name="Assumption-MonthsDq" Id="8195" ConditionResult="False">
249
+ </Rule>
250
+ <Rule Name="Assumption-MonthsDq-Msg" Id="8196" ConditionResult="False">
251
+ </Rule>
252
+ <Rule Name="Assumption-Display-Msg" Id="10069" ConditionResult="True">
253
+ <Message Type="FINDINGS" RuleId="10069" RulesetId="72" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ ASSUMPTIONS -- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve-- Borrower Intent: Wish To Stay-- Property Valuation Type: AVM-- Months In Default: 4. ]]></Message> </Rule>
254
+ <Rule Name="Calc-LTV-CLTV" Id="3254" ConditionResult="True">
255
+ <DPM Name="LTV" Type="DPM">76.9695571428571</DPM>
256
+ <DPM Name="CLTV" Type="DPM">97.3777204081633</DPM>
257
+ </Rule>
258
+ <Rule Name="Calc-LTV-CLTV-Msg" Id="10072" ConditionResult="True">
259
+ <Message Type="FINDINGS" RuleId="10072" RulesetId="80" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated LTV/CLTV: 76.97% / 97.38%. ]]></Message> </Rule>
260
+ <Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="10024" ConditionResult="True">
261
+ <DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
262
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
263
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
264
+ <DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
265
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
266
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
267
+ <DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
268
+ <DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
269
+ <DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
270
+ </Rule>
271
+ <Rule Name="IMPC SetTargetDTIs PLK.1" Id="9860" ConditionResult="True">
272
+ <DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
273
+ <DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
274
+ <DPM Name="Backend Target DTI" Type="DPM">75</DPM>
275
+ </Rule>
276
+ <Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="9876" ConditionResult="True">
277
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
278
+ <DPM Name="Rate Matrix Group" Type="DPM">1</DPM>
279
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
280
+ <DPM Name="Max LTV" Type="DPM">80</DPM>
281
+ </Rule>
282
+ <Rule Name="IMPC SetRatesAndTerms PLK.1" Id="9912" ConditionResult="False">
283
+ </Rule>
284
+ <Rule Name="IMPC SetRatesAndTerms PLK.2" Id="9913" ConditionResult="False">
285
+ </Rule>
286
+ <Rule Name="IMPC SetRatesAndTerms PLK.3" Id="9914" ConditionResult="False">
287
+ </Rule>
288
+ <Rule Name="IMPC SetRatesAndTerms PLK.4" Id="9915" ConditionResult="False">
289
+ </Rule>
290
+ <Rule Name="IMPC SetRatesAndTerms PLK.5" Id="9916" ConditionResult="False">
291
+ </Rule>
292
+ <Rule Name="IMPC SetRatesAndTerms PLK.6" Id="9917" ConditionResult="False">
293
+ </Rule>
294
+ <Rule Name="IMPC SetRatesAndTerms PLK.7" Id="9918" ConditionResult="False">
295
+ </Rule>
296
+ <Rule Name="IMPC SetRatesAndTerms PLK.8" Id="9919" ConditionResult="False">
297
+ </Rule>
298
+ <Rule Name="IMPC SetRatesAndTerms PLK.9" Id="9920" ConditionResult="False">
299
+ </Rule>
300
+ <Rule Name="IMPC SetRatesAndTerms PLK.10" Id="9921" ConditionResult="False">
301
+ </Rule>
302
+ <Rule Name="IMPC SetRatesAndTerms PLK.11" Id="9922" ConditionResult="False">
303
+ </Rule>
304
+ <Rule Name="IMPC SetRatesAndTerms PLK.12" Id="9923" ConditionResult="False">
305
+ </Rule>
306
+ <Rule Name="IMPC SetRatesAndTerms PLK.13" Id="9924" ConditionResult="False">
307
+ </Rule>
308
+ <Rule Name="IMPC SetRatesAndTerms PLK.14" Id="9925" ConditionResult="False">
309
+ </Rule>
310
+ <Rule Name="IMPC SetRatesAndTerms PLK.15" Id="9926" ConditionResult="False">
311
+ </Rule>
312
+ <Rule Name="IMPC SetRatesAndTerms PLK.16" Id="9927" ConditionResult="False">
313
+ </Rule>
314
+ <Rule Name="IMPC SetRatesAndTerms PLK.17" Id="9928" ConditionResult="False">
315
+ </Rule>
316
+ <Rule Name="IMPC SetRatesAndTerms PLK.18" Id="9929" ConditionResult="False">
317
+ </Rule>
318
+ <Rule Name="IMPC SetRatesAndTerms PLK.19" Id="9930" ConditionResult="False">
319
+ </Rule>
320
+ <Rule Name="IMPC SetRatesAndTerms PLK.20" Id="9931" ConditionResult="False">
321
+ </Rule>
322
+ <Rule Name="IMPC SetRatesAndTerms PLK.21" Id="9932" ConditionResult="False">
323
+ </Rule>
324
+ <Rule Name="IMPC SetRatesAndTerms PLK.22" Id="9933" ConditionResult="False">
325
+ </Rule>
326
+ <Rule Name="IMPC SetRatesAndTerms PLK.23" Id="9934" ConditionResult="False">
327
+ </Rule>
328
+ <Rule Name="IMPC SetRatesAndTerms PLK.24" Id="9935" ConditionResult="False">
329
+ </Rule>
330
+ <Rule Name="IMPC SetRatesAndTerms PLK.25" Id="9936" ConditionResult="False">
331
+ </Rule>
332
+ <Rule Name="IMPC SetRatesAndTerms PLK.26" Id="9937" ConditionResult="False">
333
+ </Rule>
334
+ <Rule Name="IMPC SetRatesAndTerms PLK.27" Id="9938" ConditionResult="False">
335
+ </Rule>
336
+ <Rule Name="IMPC SetRatesAndTerms PLK.28" Id="9939" ConditionResult="False">
337
+ </Rule>
338
+ <Rule Name="IMPC SetRatesAndTerms PLK.29" Id="9940" ConditionResult="False">
339
+ </Rule>
340
+ <Rule Name="IMPC SetRatesAndTerms PLK.30" Id="9941" ConditionResult="False">
341
+ </Rule>
342
+ <Rule Name="IMPC SetRatesAndTerms PLK.31" Id="9942" ConditionResult="True">
343
+ <DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
344
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
345
+ <DPM Name="Min Rate-RateTerm" Type="DPM">4</DPM>
346
+ <DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
347
+ <DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
348
+ <DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
349
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
350
+ <DPM Name="Mod Term1" Type="DPM">60</DPM>
351
+ <DPM Name="Mod Term2" Type="DPM">24</DPM>
352
+ <DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
353
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
354
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
355
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
356
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
357
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
358
+ </Rule>
359
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.1" Id="9851" ConditionResult="False">
360
+ </Rule>
361
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.2" Id="9852" ConditionResult="False">
362
+ </Rule>
363
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.3" Id="9853" ConditionResult="False">
364
+ </Rule>
365
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.4" Id="9854" ConditionResult="False">
366
+ </Rule>
367
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.5" Id="9855" ConditionResult="False">
368
+ </Rule>
369
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.6" Id="9856" ConditionResult="False">
370
+ </Rule>
371
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.7" Id="9857" ConditionResult="False">
372
+ </Rule>
373
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.8" Id="9858" ConditionResult="False">
374
+ </Rule>
375
+ <Rule Name="IMPC NoAvailableProducts PLK.1" Id="9859" ConditionResult="False">
376
+ </Rule>
377
+ <Rule Name="IMPC SetMinRate PLK.1" Id="9827" ConditionResult="True">
378
+ <DPM Name="Min Rate" Type="DPM">4</DPM>
379
+ </Rule>
380
+ <Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
381
+ <DPM Name="Remaining Term" Type="DPM">274</DPM>
382
+ </Rule>
383
+ <Rule Name="PreventNegativeRemainingTerm" Id="8198" ConditionResult="False">
384
+ </Rule>
385
+ <Rule Name="CalcRemainingTerm-Msg" Id="10073" ConditionResult="True">
386
+ <Message Type="FINDINGS" RuleId="10073" RulesetId="1" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated remaining term: 274. ]]></Message> </Rule>
387
+ <Rule Name="OverrideRemainingTerm" Id="7692" ConditionResult="False">
388
+ </Rule>
389
+ <Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
390
+ <DPM Name="Current UPB" Type="DPM">377150.83</DPM>
391
+ </Rule>
392
+ <Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
393
+ <DPM Name="DQ Interest" Type="DPM">5500.11627083333</DPM>
394
+ </Rule>
395
+ <Rule Name="CalcDqInterest-Msg" Id="10074" ConditionResult="True">
396
+ <Message Type="FINDINGS" RuleId="10074" RulesetId="1" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated delinquent interest: $5500.12 (on UPB of $377150.83). ]]></Message> </Rule>
397
+ <Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
398
+ </Rule>
399
+ <Rule Name="CalcCaptializedUPB" Id="7693" ConditionResult="True">
400
+ <DPM Name="Capitalized UPB" Type="DPM">382650.95</DPM>
401
+ </Rule>
402
+ <Rule Name="CalcCaptializedUPB-Msg" Id="10075" ConditionResult="True">
403
+ <Message Type="FINDINGS" RuleId="10075" RulesetId="1" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated capitalized UPB: $382650.95. ]]></Message> </Rule>
404
+ <Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
405
+ <DPM Name="Monthly Income" Type="DPM">0</DPM>
406
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
407
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
408
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
409
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
410
+ </Rule>
411
+ <Rule Name="Calc-MonthlyIncome-NOO" Id="8893" ConditionResult="False">
412
+ </Rule>
413
+ <Rule Name="Calc-MonthlyIncome-2ndHome" Id="8894" ConditionResult="False">
414
+ </Rule>
415
+ <Rule Name="Calc-MonthlyIncome-Owner" Id="8895" ConditionResult="True">
416
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
417
+ </Rule>
418
+ <Rule Name="Calc-MonthlyIncome-Msg" Id="10079" ConditionResult="True">
419
+ <Message Type="FINDINGS" RuleId="10079" RulesetId="22" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated total income (based on current occupancy type): $2000. ]]></Message> </Rule>
420
+ <Rule Name="Calc-PresentMonthlyExpenses" Id="1592" ConditionResult="True">
421
+ <DPM Name="Present Monthly Expenses" Type="DPM">150</DPM>
422
+ </Rule>
423
+ <Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
424
+ <DPM Name="Housing Expenses" Type="DPM">125</DPM>
425
+ <DPM Name="Monthly Liabilities" Type="DPM">25</DPM>
426
+ </Rule>
427
+ <Rule Name="Calc-MonthlyExpenses-Msg" Id="10080" ConditionResult="True">
428
+ <Message Type="FINDINGS" RuleId="10080" RulesetId="22" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated Expenses: --Housing Expenses: $125 --Monthly Liabilities: $25 --Total Expenses: $150. ]]></Message> </Rule>
429
+ <Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
430
+ <DPM Name="Target DTI" Type="DPM">40</DPM>
431
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
432
+ <DPM Name="rateTermSucceededFlag" Type="DPM">Y</DPM>
433
+ </Rule>
434
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
435
+ <DPM Name="Target Payment" Type="DPM">800</DPM>
436
+ <DPM Name="Target Payment" Type="DPM">675</DPM>
437
+ </Rule>
438
+ <Rule Name="GrossTarget1Payment-PreventNegativePayment" Id="3904" ConditionResult="False">
439
+ </Rule>
440
+ <Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
441
+ <DPM Name="Gross Target 1 Payment" Type="DPM">675</DPM>
442
+ <DPM Name="affordablePayment" Type="DPM">675</DPM>
443
+ </Rule>
444
+ <Rule Name="Store-GrossTarget1Payment-Msg" Id="10081" ConditionResult="True">
445
+ <Message Type="FINDINGS" RuleId="10081" RulesetId="16" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Gross Target 1 payment: $675 (@ 40% DTI). ]]></Message> </Rule>
446
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
447
+ <DPM Name="Goal Payment" Type="DPM">675</DPM>
448
+ <DPM Name="Current UPB" Type="DPM">382650.95</DPM>
449
+ <DPM Name="Current Interest Rate" Type="DPM">4.375</DPM>
450
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
451
+ <DPM Name="Max Term Extension" Type="DPM">274</DPM>
452
+ <DPM Name="Floor Term" Type="DPM">274</DPM>
453
+ <DPM Name="Status" Type="DPM">False</DPM>
454
+ <DPM Name="Floor Rate" Type="DPM">0.00333333333333333</DPM>
455
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">2132.21575547987</DPM>
456
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
457
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">2257.21575547987</DPM>
458
+ </Rule>
459
+ <Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="True">
460
+ <DPM Name="target1FailedPayment" Type="DPM">2132.21575547987</DPM>
461
+ <DPM Name="target1FailedFloorRate" Type="DPM">4</DPM>
462
+ <DPM Name="target1FailedTargetPayment" Type="DPM">675</DPM>
463
+ <DPM Name="Proposed Interest Rate-DPM" Type="DPM">4</DPM>
464
+ <DPM Name="Proposed Payment" Type="DPM">2132.21575547987</DPM>
465
+ <DPM Name="Proposed Term" Type="DPM">274</DPM>
466
+ <DPM Name="Proposed UPB" Type="DPM">382650.95</DPM>
467
+ <DPM Name="rateTermSucceededFlag" Type="DPM">N</DPM>
468
+ </Rule>
469
+ <Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="True">
470
+ <Message Type="FINDINGS" RuleId="1583" RulesetId="16" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Gross Target 1 rate reduction failed. Target payment: $675 (@ 40% DTI). -- Using payment based on Min Rate. Payment based on rate of 4% is $2132.22.. ]]></Message> </Rule>
471
+ <Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
472
+ <DPM Name="Gross Target 1 Rate" Type="DPM">4</DPM>
473
+ <DPM Name="Gross Target 1 Payment" Type="DPM">2132.21575547987</DPM>
474
+ <DPM Name="Gross Target 1 Term" Type="DPM">274</DPM>
475
+ </Rule>
476
+ <Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
477
+ <DPM Name="Backend DTI" Type="DPM">114.110787773994</DPM>
478
+ </Rule>
479
+ <Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
480
+ </Rule>
481
+ <Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
482
+ <DPM Name="Backend DTI" Type="DPM">75</DPM>
483
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
484
+ </Rule>
485
+ <Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
486
+ <DPM Name="Target Payment" Type="DPM">1500</DPM>
487
+ <DPM Name="Target Payment" Type="DPM">1350</DPM>
488
+ </Rule>
489
+ <Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
490
+ <DPM Name="Backend Pmt" Type="DPM">1350</DPM>
491
+ </Rule>
492
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
493
+ <DPM Name="Goal Payment" Type="DPM">1350</DPM>
494
+ <DPM Name="Current UPB" Type="DPM">382650.95</DPM>
495
+ <DPM Name="Current Interest Rate" Type="DPM">4.375</DPM>
496
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
497
+ <DPM Name="Max Term Extension" Type="DPM">274</DPM>
498
+ <DPM Name="Floor Term" Type="DPM">274</DPM>
499
+ <DPM Name="Status" Type="DPM">False</DPM>
500
+ <DPM Name="Floor Rate" Type="DPM">0.00333333333333333</DPM>
501
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">2132.21575547987</DPM>
502
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
503
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">2257.21575547987</DPM>
504
+ </Rule>
505
+ <Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="True">
506
+ <DPM Name="targetBeFailedPayment" Type="DPM">2132.21575547987</DPM>
507
+ <DPM Name="targetBeFailedFloorRate" Type="DPM">4</DPM>
508
+ <DPM Name="targetBeFailedTargetPayment" Type="DPM">1350</DPM>
509
+ <DPM Name="Proposed Interest Rate-DPM" Type="DPM">4</DPM>
510
+ <DPM Name="Proposed Payment" Type="DPM">2132.21575547987</DPM>
511
+ <DPM Name="Proposed Term" Type="DPM">274</DPM>
512
+ <DPM Name="Proposed UPB" Type="DPM">382650.95</DPM>
513
+ </Rule>
514
+ <Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="True">
515
+ <Message Type="FINDINGS" RuleId="1585" RulesetId="17" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Backend Target rate reduction failed. Target payment: $1350 (@ 75% DTI).. ]]></Message> </Rule>
516
+ <Rule Name="TargetBeGoalPaymentMet" Id="1593" ConditionResult="False">
517
+ </Rule>
518
+ <Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
519
+ <DPM Name="Backend Rate" Type="DPM">4</DPM>
520
+ <DPM Name="Backend Term" Type="DPM">274</DPM>
521
+ <DPM Name="Backend Pmt" Type="DPM">2132.21575547987</DPM>
522
+ </Rule>
523
+ <Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
524
+ <DPM Name="Target DTI" Type="DPM">30</DPM>
525
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
526
+ </Rule>
527
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
528
+ <DPM Name="Target Payment" Type="DPM">600</DPM>
529
+ <DPM Name="Target Payment" Type="DPM">475</DPM>
530
+ </Rule>
531
+ <Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
532
+ <DPM Name="Gross Target 2 Payment" Type="DPM">475</DPM>
533
+ </Rule>
534
+ <Rule Name="GrossTarget2Payment-Msgs" Id="10082" ConditionResult="True">
535
+ <Message Type="FINDINGS" RuleId="10082" RulesetId="18" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Gross Target 2 payment: $475 (@ 30% DTI). ]]></Message> </Rule>
536
+ <Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
537
+ <DPM Name="Proposed Interest Rate-DPM" Type="DPM">4</DPM>
538
+ <DPM Name="Proposed Payment" Type="DPM">2132.21575547987</DPM>
539
+ </Rule>
540
+ <Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
541
+ </Rule>
542
+ <Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
543
+ </Rule>
544
+ <Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
545
+ <Message Type="FINDINGS" RuleId="540" RulesetId="81" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Term Rate threshold exceeded. Proposed Term is 60 months.. ]]></Message> <DPM Name="Proposed Term" Type="DPM">60</DPM>
546
+ </Rule>
547
+ <Rule Name="Set-ModRateTerm-ProposedUPB" Id="10083" ConditionResult="True">
548
+ <DPM Name="Proposed UPB" Type="DPM">382650.95</DPM>
549
+ </Rule>
550
+ <Rule Name="Set-ModRateTerm-ProposedValuesTmp" Id="4843" ConditionResult="True">
551
+ <DPM Name="modRateTermTermTmp" Type="DPM">60</DPM>
552
+ <DPM Name="modRateTermUPBTmp" Type="DPM">382650.95</DPM>
553
+ <DPM Name="modRateTermRateTmp" Type="DPM">4</DPM>
554
+ <DPM Name="modRateTermPaymentTmp" Type="DPM">2132.21575547987</DPM>
555
+ </Rule>
556
+ <Rule Name="Override-StepRate" Id="3676" ConditionResult="False">
557
+ </Rule>
558
+ <Rule Name="Override-StepTerm" Id="3677" ConditionResult="False">
559
+ </Rule>
560
+ <Rule Name="Override-StepPayment" Id="3678" ConditionResult="False">
561
+ </Rule>
562
+ <Rule Name="Set-ModRateTerm-ProposedValues" Id="3679" ConditionResult="True">
563
+ <DPM Name="modRateTermTerm" Type="DPM">60</DPM>
564
+ <DPM Name="modRateTermUPB" Type="DPM">382650.95</DPM>
565
+ <DPM Name="modRateTermRate" Type="DPM">4</DPM>
566
+ <DPM Name="modRateTermPayment" Type="DPM">2132.21575547987</DPM>
567
+ </Rule>
568
+ <Rule Name="Set-ModRateTerm-OutputMatrixResults" Id="4844" ConditionResult="False">
569
+ </Rule>
570
+ <Rule Name="SetForbearOverrideAmount" Id="1594" ConditionResult="False">
571
+ <DPM Name="forbearOverrideAmount" Type="DPM">0</DPM>
572
+ </Rule>
573
+ <Rule Name="SetForbearFlag" Id="1595" ConditionResult="False">
574
+ <DPM Name="forbearFlag" Type="DPM">N</DPM>
575
+ <DPM Name="forbearDecision" Type="DPM">Fail</DPM>
576
+ </Rule>
577
+ <Rule Name="SetForbearFlag-Fail-Reason" Id="9816" ConditionResult="False">
578
+ </Rule>
579
+ <Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
580
+ <DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
581
+ </Rule>
582
+ <Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
583
+ </Rule>
584
+ <Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
585
+ </Rule>
586
+ <Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
587
+ </Rule>
588
+ <Rule Name="CalcProposedRateTerm-ModForbear" Id="3065" ConditionResult="False">
589
+ </Rule>
590
+ <Rule Name="ForbearGoalPaymentNotMet" Id="3064" ConditionResult="False">
591
+ </Rule>
592
+ <Rule Name="CheckForbearSucceeded" Id="1598" ConditionResult="False">
593
+ </Rule>
594
+ <Rule Name="Set-ModForbear-ProposedValuesTmp" Id="4845" ConditionResult="True">
595
+ <DPM Name="modForbearTermTmp" Type="DPM">60</DPM>
596
+ <DPM Name="modForbearUPBTmp" Type="DPM">382650.95</DPM>
597
+ <DPM Name="modForbearRateTmp" Type="DPM">4</DPM>
598
+ <DPM Name="modForbearPaymentTmp" Type="DPM">2132.21575547987</DPM>
599
+ </Rule>
600
+ <Rule Name="Override-StepRate" Id="3676" ConditionResult="False">
601
+ </Rule>
602
+ <Rule Name="Override-StepTerm" Id="3677" ConditionResult="False">
603
+ </Rule>
604
+ <Rule Name="Override-StepPayment" Id="3678" ConditionResult="False">
605
+ </Rule>
606
+ <Rule Name="Set-ModForbear-ProposedValues" Id="3680" ConditionResult="True">
607
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+ </Rule>
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+ <Rule Name="SetSAMFlag-Calc125LTV" Id="3257" ConditionResult="False">
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+ </Rule>
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+ <Rule Name="SetSAMFlag-CalcDeferredBalance" Id="3258" ConditionResult="False">
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+ </Rule>
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+ </Rule>
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+ <DPM Name="modSAMTermTmp" Type="DPM">60</DPM>
688
+ <DPM Name="modSAMUPBTmp" Type="DPM">382650.95</DPM>
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+ <DPM Name="modSAMPaymentTmp" Type="DPM">2132.21575547987</DPM>
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+ <Rule Name="Override-StepRate" Id="3676" ConditionResult="False">
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+ </Rule>
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+ <Rule Name="Override-StepTerm" Id="3677" ConditionResult="False">
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+ </Rule>
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+ <Rule Name="Override-StepPayment" Id="3678" ConditionResult="False">
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+ </Rule>
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+ <Rule Name="Set-ModSAM-ProposedValues" Id="3683" ConditionResult="True">
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+ <DPM Name="modSAMTerm" Type="DPM">60</DPM>
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+ <DPM Name="modSAMUPB" Type="DPM">382650.95</DPM>
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+ <DPM Name="modSAMRate" Type="DPM">4</DPM>
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+ <DPM Name="modSAMPayment" Type="DPM">2132.21575547987</DPM>
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+ </Rule>
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+ <Rule Name="Set-ModSAM-OutputMatrixResults" Id="4850" ConditionResult="False">
705
+ </Rule>
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+ <Rule Name="IMPC SetProductRank PLK.1" Id="9903" ConditionResult="True">
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+ <DPM Name="Rank" Type="DPM">1</DPM>
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+ </Rule>
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+ <Rule Name="NPV-RemoveForbearAmountTemp" Id="3669" ConditionResult="True">
710
+ <DPM Name="tempForbearAmount" Type="DPM"></DPM>
711
+ <DPM Name="Forbearance Amount" Type="DPM">0</DPM>
712
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+ <DPM Name="Payment" Type="DPM">2132.21575547987</DPM>
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+ <DPM Name="Discount Rate" Type="DPM">0.00375</DPM>
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+ <DPM Name="Calc3" Type="DPM">0.00469423432696563</DPM>
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+ <DPM Name="NPV Temp" Type="DPM">114370.731900096</DPM>
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+ <DPM Name="Term" Type="DPM">1826</DPM>
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730
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+ <DPM Name="Forbearance Amount" Type="DPM"></DPM>
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748
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749
+ </Rule>
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+ <Rule Name="Set-ModSAM-ProposedPmtRateTerm" Id="1792" ConditionResult="False">
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+ <Rule Name="SetDisplayValues" Id="1786" ConditionResult="True">
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+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
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+ <DPM Name="Display Grid" Type="DPM">Y</DPM>
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764
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+ <Rule Name="Set-ReportingValues" Id="9811" ConditionResult="True">
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+ <DPM Name="Interest Rate After Modification" Type="DPM">4</DPM>
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+ </Rule>
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+ </Rule>
825
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+ </Rule>
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+ </Rule>
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+ </Rule>
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+ <Rule Name="IMPC Loan Mod Conditions PLK.1" Id="9850" ConditionResult="True">
838
+ <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="2" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Upload Hardship Letter Document . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="3" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Upload Financial Worksheet Document . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="4" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Upload Income Documentation . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="5" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Upload Credit Card Statements Documentation . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="7" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Upload Property Valuation Documentation (eppraisal, Cyberhomes, Mortgage.com, AVM, BPO, comps) . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="8" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Upload Asset Documentation . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="9" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculate Borrower Fees . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="10" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Full UW, Upload Additional Documentation from Borrower . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="11" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Obtain Servicer/Investor Approval . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="12" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Obtain Committee Approval . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="13" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Portfolio Manager / Loan Officer contact Borrower to Notify of Approval . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="14" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Portfolio Manager / Loan Officer generate Approval Letter . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="15" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Notify Portfolio Manager / Loan Officer of UW Suspension . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="16" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Notify Portfolio Manager / Loan Officer of UW Denial . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="17" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Batch data file submitted to Servicing Surveillance Group Daily, containing detailed mod data for Servicer Mod Process and Document creation . ]]></Message> <Message Type="CONDITIONS" RuleId="9850" RulesetId="30" Id="18" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Upload Executed Docs received from Servicer . ]]></Message> </Rule>
839
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840
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841
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850
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851
+
852
+
853
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854
+ <Decision GuidelineId="2" Rulecount="0" ExecutionTime="4/22/2010 5:55:20 PM" ExecutionResult="True">
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+ <Messages>
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+ <Message Type="Findings" RuleId="10072" RulesetId="80"><![CDATA[Calculated LTV/CLTV: 76.97% / 97.38%]]></Message>
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+ <Message Type="Findings" RuleId="10073" RulesetId="1"><![CDATA[Calculated remaining term: 274]]></Message>
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+ <Message Type="Findings" RuleId="10074" RulesetId="1"><![CDATA[Calculated delinquent interest: $5500.12 (on UPB of $377150.83)]]></Message>
860
+ <Message Type="Findings" RuleId="10075" RulesetId="1"><![CDATA[Calculated capitalized UPB: $382650.95]]></Message>
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+ <Message Type="Findings" RuleId="10079" RulesetId="22"><![CDATA[Calculated total income (based on current occupancy type): $2000]]></Message>
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+ <Message Type="Findings" RuleId="10080" RulesetId="22"><![CDATA[Calculated Expenses: --Housing Expenses: $125 --Monthly Liabilities: $25 --Total Expenses: $150]]></Message>
863
+ <Message Type="Findings" RuleId="10081" RulesetId="16"><![CDATA[Gross Target 1 payment: $675 (@ 40% DTI)]]></Message>
864
+ <Message Type="Findings" RuleId="1583" RulesetId="16"><![CDATA[Gross Target 1 rate reduction failed. Target payment: $675 (@ 40% DTI). -- Using payment based on Min Rate. Payment based on rate of 4% is $2132.22.]]></Message>
865
+ <Message Type="Findings" RuleId="1585" RulesetId="17"><![CDATA[Backend Target rate reduction failed. Target payment: $1350 (@ 75% DTI).]]></Message>
866
+ <Message Type="Findings" RuleId="10082" RulesetId="18"><![CDATA[Gross Target 2 payment: $475 (@ 30% DTI)]]></Message>
867
+ <Message Type="Findings" RuleId="540" RulesetId="81"><![CDATA[Term Rate threshold exceeded. Proposed Term is 60 months.]]></Message>
868
+ <Message Type="Findings" RuleId="10084" RulesetId="25"><![CDATA[FrontEnd/BackEnd DTI (based on proposed payment): 112.86/114.11%.]]></Message>
869
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="2" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Hardship Letter Document ]]></Message>
870
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="3" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Financial Worksheet Document ]]></Message>
871
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="4" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Income Documentation ]]></Message>
872
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="5" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Credit Card Statements Documentation ]]></Message>
873
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874
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="8" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Asset Documentation ]]></Message>
875
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="9" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Calculate Borrower Fees ]]></Message>
876
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877
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878
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="12" PriorTo="23" Visibility="False" Critical="False" Responsible="PS-ModUW"><![CDATA[ Obtain Committee Approval ]]></Message>
879
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="13" PriorTo="8" Visibility="False" Critical="False"><![CDATA[ Portfolio Manager / Loan Officer contact Borrower to Notify of Approval ]]></Message>
880
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="14" PriorTo="8" Visibility="False" Critical="False"><![CDATA[ Portfolio Manager / Loan Officer generate Approval Letter ]]></Message>
881
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="15" PriorTo="8" Visibility="False" Critical="False"><![CDATA[ Notify Portfolio Manager / Loan Officer of UW Suspension ]]></Message>
882
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="16" PriorTo="8" Visibility="False" Critical="False"><![CDATA[ Notify Portfolio Manager / Loan Officer of UW Denial ]]></Message>
883
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="17" PriorTo="10" Visibility="False" Critical="False"><![CDATA[ Batch data file submitted to Servicing Surveillance Group Daily, containing detailed mod data for Servicer Mod Process and Document creation ]]></Message>
884
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="18" PriorTo="24" Visibility="False" Critical="False" Responsible="MSD-Analyst"><![CDATA[ Upload Executed Docs received from Servicer ]]></Message>
885
+ </Messages>
886
+ <DerivedParameters>
887
+ <DPM Name="Decision Date" Type="DSM" Order="0" ProductType="2">4/22/2010</DPM>
888
+ <DPM Name="Current Unpaid Balance" Type="DSM" Order="0" ProductType="4">382650.95</DPM>
889
+ <DPM Name="NPV" Type="DSM" Order="0" ProductType="4">114370.73</DPM>
890
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
891
+ <DPM Name="Interest Rate After Modification" Type="DSM" Order="0" ProductType="4">4</DPM>
892
+ <DPM Name="Modified Cash Flow Term 12" Type="DSM" Order="0" ProductType="4">25586.59</DPM>
893
+ <DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">4</DPM>
894
+ <DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
895
+ <DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
896
+ <DPM Name="Amortization Term After Modification" Type="DSM" Order="0" ProductType="4">60</DPM>
897
+ <DPM Name="Modified Cash Flow Term 1" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
898
+ <DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
899
+ <DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
900
+ <DPM Name="affordablePayment" Type="DSM" Order="0" ProductType="4">675</DPM>
901
+ <DPM Name="Proposed Interest Rate-DPM" Type="DSM" Order="0" ProductType="4">4</DPM>
902
+ <DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
903
+ <DPM Name="Modified Cash Flow Term 24" Type="DSM" Order="0" ProductType="4">51173.18</DPM>
904
+ <DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">4</DPM>
905
+ <DPM Name="Display Grid" Type="DSM" Order="0" ProductType="6">Y</DPM>
906
+ <DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="4">475</DPM>
907
+ <DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="4">5500.12</DPM>
908
+ <DPM Name="Unpaid Principal Balance After Modification" Type="DSM" Order="0" ProductType="4">382650.95</DPM>
909
+ <DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">274</DPM>
910
+ <DPM Name="Proposed Payment" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
911
+ <DPM Name="Principal And Interest Payment After Modification" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
912
+ <DPM Name="Proposed UPB" Type="DSM" Order="0" ProductType="4">382650.95</DPM>
913
+ <DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
914
+ <DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">274</DPM>
915
+ <DPM Name="NPV Mod Rate Term" Type="DSM" Order="0" ProductType="4">114370.73</DPM>
916
+ <DPM Name="Rank" Type="DSM" Order="0" ProductType="4">1</DPM>
917
+ <DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
918
+ <DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="4">2000</DPM>
919
+ <DPM Name="Term" Type="DPM" Order="0" ProductType="4">1826</DPM>
920
+ <DPM Name="Todays Date" Type="DPM" Order="0" ProductType="2">4/22/2010</DPM>
921
+ <DPM Name="modRateTermRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
922
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
923
+ <DPM Name="loanAmount" Type="DPM" Order="0" ProductType="4">377150.83</DPM>
924
+ <DPM Name="proposedFrontDTI" Type="DPM" Order="0" ProductType="4">112.86</DPM>
925
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
926
+ <DPM Name="modForbearPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
927
+ <DPM Name="tmpTerm" Type="DPM" Order="0" ProductType="4">300</DPM>
928
+ <DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
929
+ <DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
930
+ <DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
931
+ <DPM Name="MSA Title" Type="DPM" Order="0" ProductType="6">Pacific</DPM>
932
+ <DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">ShortTerm</DPM>
933
+ <DPM Name="Discount Rate Actual" Type="DPM" Order="0" ProductType="4">4.5</DPM>
934
+ <DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
935
+ <DPM Name="modSAMRate" Type="DPM" Order="0" ProductType="4">4</DPM>
936
+ <DPM Name="NPV Temp" Type="DPM" Order="0" ProductType="4">114370.73</DPM>
937
+ <DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">274</DPM>
938
+ <DPM Name="modForbearUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
939
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">DPUDS</DPM>
940
+ <DPM Name="modRateTermUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
941
+ <DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">274</DPM>
942
+ <DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
943
+ <DPM Name="Current Month" Type="DPM" Order="0" ProductType="4">4</DPM>
944
+ <DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
945
+ <DPM Name="target1FailedFloorRate" Type="DPM" Order="0" ProductType="4">4</DPM>
946
+ <DPM Name="modForgiveUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
947
+ <DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
948
+ <DPM Name="forgiveOverrideAmount" Type="DPM" Order="0" ProductType="4">0</DPM>
949
+ <DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">80</DPM>
950
+ <DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="4">0</DPM>
951
+ <DPM Name="modForgivePaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
952
+ <DPM Name="modSAMTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
953
+ <DPM Name="YearQuarterNo" Type="DPM" Order="0" ProductType="6">2012Q2</DPM>
954
+ <DPM Name="Division Name" Type="DPM" Order="0" ProductType="6">Pacific</DPM>
955
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">76.97</DPM>
956
+ <DPM Name="Capitalized UPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
957
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
958
+ <DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="4">1350</DPM>
959
+ <DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
960
+ <DPM Name="modForgivePayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
961
+ <DPM Name="modRateTermPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
962
+ <DPM Name="Months in Default" Type="DPM" Order="0" ProductType="4">4</DPM>
963
+ <DPM Name="rateTermSucceededFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
964
+ <DPM Name="modForgiveTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
965
+ <DPM Name="Calc4" Type="DPM" Order="0" ProductType="4">0</DPM>
966
+ <DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="4">25</DPM>
967
+ <DPM Name="Calc1" Type="DPM" Order="0" ProductType="4">1.252</DPM>
968
+ <DPM Name="Current Payment" Type="DPM" Order="0" ProductType="4">2147.32</DPM>
969
+ <DPM Name="targetBeFailedTargetPayment" Type="DPM" Order="0" ProductType="4">1350</DPM>
970
+ <DPM Name="Temp Number" Type="DPM" Order="0" ProductType="4">3</DPM>
971
+ <DPM Name="Max Forgive Principle" Type="DPM" Order="0" ProductType="4">0</DPM>
972
+ <DPM Name="modForgiveTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
973
+ <DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
974
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
975
+ <DPM Name="Todays Day" Type="DPM" Order="0" ProductType="6">22</DPM>
976
+ <DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">2</DPM>
977
+ <DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">274</DPM>
978
+ <DPM Name="forbearDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM>
979
+ <DPM Name="Future HPI" Type="DPM" Order="0" ProductType="4">100.55</DPM>
980
+ <DPM Name="interest" Type="DPM" Order="0" ProductType="4">4.375</DPM>
981
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">0</DPM>
982
+ <DPM Name="modSAMTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
983
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
984
+ <DPM Name="target1FailedTargetPayment" Type="DPM" Order="0" ProductType="4">675</DPM>
985
+ <DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
986
+ <DPM Name="Forbearance Amount" Type="DPM" Order="0" ProductType="4" />
987
+ <DPM Name="modSAMPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
988
+ <DPM Name="Future Month" Type="DPM" Order="0" ProductType="4">4</DPM>
989
+ <DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">4</DPM>
990
+ <DPM Name="Min UPB" Type="DPM" Order="0" ProductType="4">0</DPM>
991
+ <DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
992
+ <DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
993
+ <DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
994
+ <DPM Name="forgiveDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM>
995
+ <DPM Name="YearCurrentQuarter" Type="DPM" Order="0" ProductType="6">2010Q2</DPM>
996
+ <DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
997
+ <DPM Name="Foreclosure Hold Time" Type="DPM" Order="0" ProductType="4">10.64</DPM>
998
+ <DPM Name="Calc3" Type="DPM" Order="0" ProductType="4">0.005</DPM>
999
+ <DPM Name="Calc2" Type="DPM" Order="0" ProductType="4">536.883</DPM>
1000
+ <DPM Name="modRateTermTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
1001
+ <DPM Name="modForbearTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
1002
+ <DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
1003
+ <DPM Name="assumptionMsg" Type="DPM" Order="0" ProductType="6">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve-- Borrower Intent: Wish To Stay-- Property Valuation Type: AVM-- Months In Default: 4</DPM>
1004
+ <DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">3/1/2033</DPM>
1005
+ <DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable</DPM>
1006
+ <DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
1007
+ <DPM Name="targetBeFailedPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1008
+ <DPM Name="forbearFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
1009
+ <DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
1010
+ <DPM Name="modRateTermTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
1011
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="4">2257.22</DPM>
1012
+ <DPM Name="Discount Rate" Type="DPM" Order="0" ProductType="4">0.004</DPM>
1013
+ <DPM Name="Payment" Type="DPM" Order="0" ProductType="4">0</DPM>
1014
+ <DPM Name="forbearOverrideAmount" Type="DPM" Order="0" ProductType="4">0</DPM>
1015
+ <DPM Name="modRateTermUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1016
+ <DPM Name="modForbearUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1017
+ <DPM Name="target1FailedPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1018
+ <DPM Name="Future Year" Type="DPM" Order="0" ProductType="6">2012</DPM>
1019
+ <DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
1020
+ <DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
1021
+ <DPM Name="modForbearTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
1022
+ <DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1023
+ <DPM Name="Current Year" Type="DPM" Order="0" ProductType="4">2010</DPM>
1024
+ <DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
1025
+ <DPM Name="Current UPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1026
+ <DPM Name="Payment Date" Type="DPM" Order="0" ProductType="2">4/22/2015</DPM>
1027
+ <DPM Name="Target Payment" Type="DPM" Order="0" ProductType="4">475</DPM>
1028
+ <DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
1029
+ <DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">3</DPM>
1030
+ <DPM Name="Borrower Contribution" Type="DPM" Order="0" ProductType="4">0</DPM>
1031
+ <DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
1032
+ <DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4</DPM>
1033
+ <DPM Name="Future Quarter" Type="DPM" Order="0" ProductType="6">Q2</DPM>
1034
+ <DPM Name="modForgiveRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
1035
+ <DPM Name="overrideStepRateTerm" Type="DPM" Order="0" ProductType="6">N</DPM>
1036
+ <DPM Name="Max UPB" Type="DPM" Order="0" ProductType="4">0</DPM>
1037
+ <DPM Name="modSAMPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1038
+ <DPM Name="modForbearRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1039
+ <DPM Name="modSAMUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1040
+ <DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="4">125</DPM>
1041
+ <DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
1042
+ <DPM Name="Current HPI" Type="DPM" Order="0" ProductType="4">98.09</DPM>
1043
+ <DPM Name="Global Parameter" Type="DPM" Order="0" ProductType="4">1</DPM>
1044
+ <DPM Name="modSAMRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
1045
+ <DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">1</DPM>
1046
+ <DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1047
+ <DPM Name="proposedBackDTI" Type="DPM" Order="0" ProductType="4">114.11</DPM>
1048
+ <DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="4">150</DPM>
1049
+ <DPM Name="REO Hold Time" Type="DPM" Order="0" ProductType="4">7</DPM>
1050
+ <DPM Name="Status" Type="DPM" Order="0" ProductType="1">False</DPM>
1051
+ <DPM Name="samFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
1052
+ <DPM Name="Foreclosure Hold Time No Mod" Type="DPM" Order="0" ProductType="4">18</DPM>
1053
+ <DPM Name="Current Quarter" Type="DPM" Order="0" ProductType="6">Q2</DPM>
1054
+ <DPM Name="Future Date" Type="DPM" Order="0" ProductType="2">4/22/2012</DPM>
1055
+ <DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1056
+ <DPM Name="modForgiveRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1057
+ <DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1058
+ <DPM Name="Temp String" Type="DPM" Order="0" ProductType="6">22/2012 12:00:00 AM</DPM>
1059
+ <DPM Name="propertyValue" Type="DPM" Order="0" ProductType="4">490000</DPM>
1060
+ <DPM Name="modForgiveUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1061
+ <DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">97.38</DPM>
1062
+ <DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
1063
+ <DPM Name="State of the Subject Property" Type="DPM" Order="0" ProductType="6">CA</DPM>
1064
+ <DPM Name="forgiveFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
1065
+ <DPM Name="modForbearPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1066
+ <DPM Name="modForbearRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
1067
+ <DPM Name="modSAMUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1068
+ <DPM Name="REO Foreclosure Expense Percentage" Type="DPM" Order="0" ProductType="4">0.02</DPM>
1069
+ <DPM Name="samDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM>
1070
+ <DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
1071
+ <DPM Name="modRateTermRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1072
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
1073
+ <DPM Name="tempMsg" Type="DPM" Order="0" ProductType="6">-- Months In Default: 4</DPM>
1074
+ <DPM Name="targetBeFailedFloorRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1075
+ <DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">4</DPM>
1076
+ <DPM Name="tempForbearAmount" Type="DPM" Order="0" ProductType="4" />
1077
+ <DPM Name="REO Foreclosure Time" Type="DPM" Order="0" ProductType="4">24</DPM>
1078
+ <DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
1079
+ <DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
1080
+ <DPM Name="modRateTermPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1081
+ <DPM Name="YearFutureQuarter" Type="DPM" Order="0" ProductType="6">2012Q2</DPM>
1082
+ <DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
1083
+ <DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
1084
+ <DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">4.375</DPM>
1085
+ <DPM Name="Current Quarter No." Type="DPM" Order="0" ProductType="4">2</DPM>
1086
+ </DerivedParameters>
1087
+ </Decision>
1088
+ </PRODUCT_DATA>