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/test/data/2.2.decision.txt ADDED
@@ -0,0 +1,1128 @@
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+ -------------Application XML-------------
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+
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+ <DECISION_REQUEST><APPLICATION ApplicationID="6928" OrganizationID="10" CreatedDate="04/21/2010" ModifiedDate="04/22/2010" Summary="Batch Upload Application" StateID="3" State="00-New" User="DataUploadImpac" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="43" UserName="Data Upload" OrganizationName="Data Upload" ForwardDate="04/22/2010" UDFStr1="Detailed" UDFStr11="ModRate:3.5 ModTerm:60 ModPmt:0 ModLoanBal0 ModDLQStatus: MOSStatus:(720) Submitted to Servicer/Investor for Docs" UDFStr12="she lost her main source of income and is living off of the money she does on the side which is website design jobs for her own business. most of the money she made was from her job she was laid off on." ManualCredit="N" UserTypeId="" Source="Internal" ActName="Impac Companies" InBankruptcy="N" FrontRatio="0.0000" BackRatio="0.0000" BankruptcyReaffirmation="N" HideMessages="N" CalculatedCSPMonthlyGrossIncome="2000.0000" CalculatedVerifiedGrossIncome="0.0000" IncomeTolerance="25.0000" OriginalFICO="674"><ORGANIZATION OrganizationID="10" APP_ORG_ID="10" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="43" APP_USER_ID="43" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="3003/New Business" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Data Upload" SubmittedOrganization="Data Upload" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Data" LastName="Upload" OrganizationName="Data Upload" OriginType="Internal" UserType="Originator" UserID="43" ATM_ID="6975"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="43" OrganizationID="10"/></APPLICATIONTEAM_USER><APPLICATIONTEAM_USER FirstName="Michele" LastName="Sooy" OrganizationName="Impac Companies" OriginType="Internal" UserType="Underwriter" UserID="16" ATM_ID="7706"><APPLICATIONTEAM_USER_ORGANIZATION Address="19500 Jamboree Road" City="Irvine" Region="CA" Zip="92612" PhoneNumber="(800) 597-4101" ATM_USER_ID="16" OrganizationID="2"/></APPLICATIONTEAM_USER><APPLICATIONTEAM_USER FirstName="Jerick" LastName="Alikpala" OrganizationName="Impac Companies" OriginType="Internal" UserType="Mod Processor" UserID="45" ATM_ID="7707"><APPLICATIONTEAM_USER_ORGANIZATION Address="19500 Jamboree Road" City="Irvine" Region="CA" Zip="92612" PhoneNumber="(800) 597-4101" ATM_USER_ID="45" OrganizationID="2"/></APPLICATIONTEAM_USER><APPLICATIONTEAM_USER FirstName="Cathy" LastName="Engle" OrganizationName="Impac Companies" OriginType="Internal" UserType="Portfolio Manager" UserID="39" ATM_ID="7708"><APPLICATIONTEAM_USER_ORGANIZATION Address="19500 Jamboree Road" City="Irvine" Region="CA" Zip="92612" PhoneNumber="(800) 597-4101" ATM_USER_ID="39" OrganizationID="2"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="13845" FirstName="TRACY" LastName="OKAMURA" NationalId="567690549" Telephone="818-781-9980" IsPrimary="Y" Score="0" ForeignNationalIndicator="N" App1003ID="40" APA_1003_PRIMARY="1" PreferredLanguage="English"><EMPLOYMENTS><EMPLOYMENT EmploymentID="27679" IsSelfEmployed="N" Phone="530-386-0611" Type="Primary" Months="0" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="29161" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="10879" AddressL1="COLUMBUS AVE" City="VAN NUYS" PostalCode="91411" IsPresent="Y" Region="CA" Country="US" HouseNumber="6455" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="14586" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="40" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="28420" IsSelfEmployed="N" Type="Primary" Months="0" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="29902" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="11612" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="21402" Amount="25.0000" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="13845" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></EXPENSE><EXPENSE ExpenseID="22143" Amount="0.0000" IsCurrent="Y" Type="HazardInsurance" BorrowerID="13845" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></EXPENSE><EXPENSE ExpenseID="22884" Amount="100.0000" IsCurrent="Y" Type="RealEstateTaxes" BorrowerID="13845" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></EXPENSE><EXPENSE ExpenseID="23649" Amount="0.0000" IsCurrent="Y" Type="IRAContributions401k" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23650" Amount="0.0000" IsCurrent="Y" Type="AutoInsuranceMaintenanceGas" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23651" Amount="25.0000" IsCurrent="Y" Type="AutoLoans" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23652" Amount="0.0000" IsCurrent="Y" Type="CableSatelliteInternet" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23653" Amount="0.0000" IsCurrent="Y" Type="Electricity" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23654" Amount="0.0000" IsCurrent="Y" Type="Food" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23655" Amount="0.0000" IsCurrent="Y" Type="HealthInsurance" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23656" Amount="0.0000" IsCurrent="Y" Type="Medical" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23657" Amount="0.0000" IsCurrent="Y" Type="MortgageExpensesonAllotherProperties" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23658" Amount="0.0000" IsCurrent="Y" Type="MortgageInsurance" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23659" Amount="0.0000" IsCurrent="Y" Type="TelephoneCellPhone" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23660" Amount="0.0000" IsCurrent="Y" Type="WaterSewer" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="23661" Amount="0.0000" IsCurrent="Y" Type="Alimony" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="23662" Amount="0.0000" IsCurrent="Y" Type="ChildSupport" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="23663" Amount="0.0000" IsCurrent="Y" Type="CreditCard1" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="23664" Amount="0.0000" IsCurrent="Y" Type="FederalIncomeTax" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="23665" Amount="0.0000" IsCurrent="Y" Type="StateIncomeTax" UnpaidBalance="0.0000" IsDiscretionary="N"/></EXPENSES><INCOMES><INCOME IncomeID="666" Amount="0.0000" Type="Alimony" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="667" Amount="2000.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="668" Amount="0.0000" Type="Bonuses" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="669" Amount="0.0000" Type="ChildSupport" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="670" Amount="0.0000" Type="Commissions" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="671" Amount="0.0000" Type="DividendsOrInterest" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="672" Amount="0.0000" Type="Other" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="673" Amount="0.0000" Type="Overtime" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="674" Amount="0.0000" Type="PensionOrRetirementIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="675" Amount="0.0000" Type="RentalIncomeOtherProperties" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="676" Amount="0.0000" Type="NetRentalIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="677" Amount="0.0000" Type="SelfEmploymentIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="678" Amount="0.0000" Type="SocialSecurityOrDisabilityIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="679" Amount="0.0000" Type="TipsOrGratuities" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME><INCOME IncomeID="680" Amount="0.0000" Type="UnemploymentOrWelfareIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="13845"><APPLICANTS><APPLICANT ApplicantIDREF="13845" IsPrimary="Y" NationalId="567690549"/></APPLICANTS></INCOME></INCOMES><PARAMETERS><PPM Name="Full Am Revert To IO" Value="N"/><PPM Name="IO Revert To Full Am" Value="N"/><PPM Name="Extend IO Period" Value="N"/><PPM Name="Add Back IO Feature if Expired" Value="N"/><PPM Name="Lower Margin Or Floor For Loan Term" Value="N"/><PPM Name="Defer Past Due Int Or Principal" Value="N"/><PPM Name="ManualCredit" Value="Y"/><PPM Name="Max IO Feature" Value="0"/><PPM Name="Rate1" Value="0.000"/><PPM Name="Rate2" Value="0.000"/><PPM Name="Rate3" Value="0.000"/><PPM Name="Rate4" Value="0.000"/><PPM Name="Rate5" Value="0.000"/><PPM Name="Step Rate ARM or FRM"/><PPM Name="Term1" Value="0"/><PPM Name="Term2" Value="0"/><PPM Name="Term3" Value="0"/><PPM Name="Term4" Value="0"/><PPM Name="Term5" Value="0"/><PPM Name="Rank" Value=""/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="6928" Amount="377150.8300" Rate="4.3750" DocumentationTypeID="21" LienNumber="1" Duration="360" Margin="3.0000" ComboFlag="N" DocumentationTypeName="Full Doc" LienType="1st" HighOverDueActivities="33" MediumOverDueActivities="0" LowOverDueActivities="0" AmortizationType="Fixed" LoanStage="Unknown" CurrentStage="M400-Underwrite InProcess" PI="2147.3200" OriginalLoanAmount="392000.0000" SellerLoanNumber="1100371500" MortgageType="ConventionalwithPMI" OpenConditionCount="0" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="0" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="Y" Decision="Y" LoanModFee="1195.0000" AppraisalFee="0.0000" MaturityDate="03/01/2033" NoteResetRate="0.0000" LastPaidInstallmentDate="10/01/2009" BorrowerContribution="0.0000" ProductBeforeMod="ARM" OriginalRate="4.87500" PurchaserType="Private" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" NPVLock="0" ProductID="1" LTVAtOrigination="80.0000" PriorLoanMod="N" ImminentDefaultFlag="N" FirstPaidDateAtOrigination="04/01/2003" TimeInCurrentStage="123" LoanModificationStartDate="05/01/2010" RefundAmount="0.0000" CampaignName="20091216_02" CampaignExpirationDate="01/31/2010" LeadSource="Mod #40" OriginalPurposeofLoan="Refinance" ClientLoanNumber="26258411" CurrentLifeCap="10.8750" CurrentMargin="0.0000" EarnestMoneyDeposit="0.0000" ModFeeCollected="0.0000"><DEFAULT MonthsInDefault="0" DelinquencyStatus="90DaysDelinquent" AbilityToResumeCurrentMtgPmt="N" DQESCROW="0.0000" DQFEES="0.0000" DQInterest="0.0000"/><INVESTOR/><SERVICER ServicerName="Bank of America"/><LISTINGAGENT/><AFTERMOD AmortizationTermAfterModification="60" InterestRateAfterModification="4.0000" PrincipalandInterestPaymentAfterMod="2132.2200" PrincipalForbearanceAmount="0.0000" PrincipalForgivenessAmount="0.0000" UnpaidPrincipalBalanceAfterModification="382650.9500"/><OTHERLOAN OriginalRate="0.0000" Rate="0.0000" OriginalLoanAmount="165000.0000" LoanAmount="100000.0000" PI="0.0000" PastDueAmount="0.0000" IOIndicator="N"/><OVERRIDES FloorRate="0.0000" IOTerm="0"/><TASKS><TASK TaskID="705" TaskDefinitionID="125" TaskStage="M200-Package Out" Name="Run Engine Calc"/><TASK TaskID="706" TaskDefinitionID="126" TaskStage="M200-Package Out" Name="Send Cover/Offer Letter"/><TASK TaskID="707" TaskDefinitionID="127" TaskStage="M200-Package Out" Name="Send Financial Worksheet"/><TASK TaskID="708" TaskDefinitionID="128" TaskStage="M200-Package Out" Name="Package Out Followup Email Internal"/><TASK TaskID="709" TaskDefinitionID="129" TaskStage="M200-Package Out" Name="Package Out Followup Email External"/><TASK TaskID="710" TaskDefinitionID="134" TaskStage="M200-Package Out" Name="Input Borrower Data"/><TASK TaskID="711" TaskDefinitionID="135" TaskStage="M200-Package Out" Name="Select Product Path"/><TASK TaskID="712" TaskDefinitionID="136" TaskStage="M200-Package Out" Name="Estimate Fees"/><TASK TaskID="713" TaskDefinitionID="137" TaskStage="M200-Package Out" Name="Assign Sales Agent"/><TASK TaskID="714" TaskDefinitionID="138" TaskStage="M210-Package Assembly" Name="Input Hardship Data"/><TASK TaskID="715" TaskDefinitionID="139" TaskStage="M210-Package Assembly" Name="Input Financial Data"/><TASK TaskID="716" TaskDefinitionID="140" TaskStage="M210-Package Assembly" Name="Input Borrower Contact Data"/><TASK TaskID="717" TaskDefinitionID="141" TaskStage="M210-Package Assembly" Name="Input Valuation Data"/><TASK TaskID="718" TaskDefinitionID="142" TaskStage="M400-Underwrite InProcess" Name="Verify Loan Entry Data"/><TASK TaskID="719" TaskDefinitionID="143" TaskStage="M400-Underwrite InProcess" Name="Verify Availability of Proposed Loan Mod"/><TASK TaskID="720" TaskDefinitionID="144" TaskStage="M400-Underwrite InProcess" Name="Verify Eligibilty of Mod"/><TASK TaskID="721" TaskDefinitionID="145" TaskStage="M400-Underwrite InProcess" Name="Verify Property Valuations"/><TASK TaskID="722" TaskDefinitionID="146" TaskStage="M400-Underwrite InProcess" Name="Verify Logic + Completeness of Mod Data"/><TASK TaskID="723" TaskDefinitionID="147" TaskStage="M400-Underwrite InProcess" Name="Input Negotiated Mod Terms"/><TASK TaskID="724" TaskDefinitionID="148" TaskStage="M400-Underwrite InProcess" Name="Calculate Borrower Fees"/><TASK TaskID="725" TaskDefinitionID="130" TaskStage="M450-Underwrite Approval" Name="Lock-Down Borrower Fees"/><TASK TaskID="726" TaskDefinitionID="151" TaskStage="M450-Underwrite Approval" Name="Sales Agent notified of Approval"/><TASK TaskID="727" TaskDefinitionID="152" TaskStage="M450-Underwrite Approval" Name="Approval Letter Issued"/><TASK TaskID="728" TaskDefinitionID="153" TaskStage="M450-Underwrite Approval" Name="Mod Refused by Customer"/><TASK TaskID="729" TaskDefinitionID="154" TaskStage="M450-Underwrite Approval" Name="Billing Info Collected from Borrower"/><TASK TaskID="731" TaskDefinitionID="155" TaskStage="M460-Underwrite Suspended" Name="Sales Agent notified of Suspension"/><TASK TaskID="732" TaskDefinitionID="142" TaskStage="M400-Underwrite InProcess" Name="Verify Loan Entry Data"/><TASK TaskID="733" TaskDefinitionID="143" TaskStage="M400-Underwrite InProcess" Name="Verify Availability of Proposed Loan Mod"/><TASK TaskID="734" TaskDefinitionID="144" TaskStage="M400-Underwrite InProcess" Name="Verify Eligibilty of Mod"/><TASK TaskID="735" TaskDefinitionID="145" TaskStage="M400-Underwrite InProcess" Name="Verify Property Valuations"/><TASK TaskID="736" TaskDefinitionID="146" TaskStage="M400-Underwrite InProcess" Name="Verify Logic + Completeness of Mod Data"/><TASK TaskID="737" TaskDefinitionID="147" TaskStage="M400-Underwrite InProcess" Name="Input Negotiated Mod Terms"/><TASK TaskID="738" TaskDefinitionID="148" TaskStage="M400-Underwrite InProcess" Name="Calculate Borrower Fees"/></TASKS><PAYMENTS><PAYMENT PaymentId="4263" DueAmount="7047.1000" InterestRate="4.0000" TrialPayment="Y"/><PAYMENT PaymentId="4264" DueAmount="7047.1000" InterestRate="4.0000" TrialPayment="Y"/><PAYMENT PaymentId="4265" DueAmount="7047.1000" InterestRate="4.0000" TrialPayment="Y"/></PAYMENTS></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="6928" AddressL1="14521" AddressL2="WOLFGANG ROAD" City="TRUCKEE" PostalCode="96161" RegionValue="CA" Units="0" RealEstateType="DPUDS" HomeOwnershipType="PrimaryResidence" LoanID="6928" LoanPurpose="Refinance" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" CurrentListingPrice="0.0000" ForeclosureStatus="Approved" CurrentMonthlyRent="0.0000" HOAPastDueAmount="0.0000" NumberOfOffers="0" TenantCooperation="N" PermissionToContactAgent="N" HOAorManagementCompany="N"><COUNTIES><COUNTY StateCode="06" State="CA" CountyCode="057" CountyName="Nevada County" CBSACode="46020" CBSATitle="Truckee-Grass Valley CA" CBSALSAD="Micropolitan Statistical Area" CSACode="472" CSATitle="Sacramento--Arden-Arcade--Yuba City CA-NV" CSALSAD="Combined Statistical Area"/><COUNTY StateCode="06" State="CA" CountyCode="061" CountyName="Placer County" CBSACode="40900" CBSATitle="Sacramento--Arden-Arcade--Roseville CA" CBSALSAD="Metropolitan Statistical Area" CSACode="472" CSATitle="Sacramento--Arden-Arcade--Yuba City CA-NV" CSALSAD="Combined Statistical Area"/></COUNTIES><HAMPCOUNTIES><COUNTY ZipCode="96161" Region="110" MSAName="California"/></HAMPCOUNTIES><VALUATIONS><VALUATION AsIsValue="0.0000" IsCurrent="Y"/><VALUATION Type="AutomatedValuationModel" AsIsValue="0.0000" IsCurrent="N"/><VALUATION Type="BrokerPriceOpinion" AsIsValue="0.0000" IsCurrent="N"/><VALUATION Type="Fullappraisal" AsIsValue="490000.0000" IsCurrent="N"/><VALUATION Type="AutomatedValuationModelOther" Date="04/01/2003" AsIsValue="650000.0000" IsCurrent="N"/></VALUATIONS><SHORTSALE ShortSaleOfferAmount="0.0000" ShortSaleNetProceeds="0.0000"/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
4
+ </DECISION_REQUEST>
5
+
6
+
7
+
8
+ ----------------------------------
9
+
10
+ <Rules> <Rule Name="IMPC Initialization PLK.1" Id="9863" ConditionResult="True">
11
+ <DPM Name="Lien Number" Type="DPM">1</DPM>
12
+ <DPM Name="Future Income" Type="DPM"></DPM>
13
+ <DPM Name="Hardship Severity" Type="DPM"></DPM>
14
+ <DPM Name="Hardship Term" Type="DPM"></DPM>
15
+ <DPM Name="Gross Target DTI1" Type="DPM">0</DPM>
16
+ <DPM Name="Gross Target DTI2" Type="DPM">0</DPM>
17
+ <DPM Name="Backend Target DTI" Type="DPM">0</DPM>
18
+ <DPM Name="Decision" Type="DPM">Pass</DPM>
19
+ <DPM Name="Rate Matrix Group" Type="DPM">0</DPM>
20
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
21
+ <DPM Name="Max LTV" Type="DPM">0</DPM>
22
+ <DPM Name="Min CLTV" Type="DPM">0</DPM>
23
+ <DPM Name="Max CLTV" Type="DPM">0</DPM>
24
+ <DPM Name="Min UPB" Type="DPM">0</DPM>
25
+ <DPM Name="Max UPB" Type="DPM">0</DPM>
26
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
27
+ <DPM Name="Motivation" Type="DPM"></DPM>
28
+ <DPM Name="Months Delinquent" Type="DPM">0</DPM>
29
+ <DPM Name="Current Occupancy" Type="DPM">PrimaryResidence</DPM>
30
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
31
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
32
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
33
+ <DPM Name="Min Rate-RateTerm" Type="DPM">0</DPM>
34
+ <DPM Name="Min Rate-Forbear" Type="DPM">0</DPM>
35
+ <DPM Name="Min Rate-Forgive" Type="DPM">0</DPM>
36
+ <DPM Name="Min Rate-SAM" Type="DPM">0</DPM>
37
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
38
+ <DPM Name="Mod Term1" Type="DPM">0</DPM>
39
+ <DPM Name="Mod Term2" Type="DPM">0</DPM>
40
+ <DPM Name="Term Rate Threshold" Type="DPM">0</DPM>
41
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
42
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
43
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
44
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
45
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
46
+ <DPM Name="Borrower Contribution" Type="DPM">0</DPM>
47
+ <DPM Name="Property Type" Type="DPM">DPUDS</DPM>
48
+ <DPM Name="No of Units" Type="DPM">0</DPM>
49
+ <DPM Name="Current UPB" Type="DPM">377150.83</DPM>
50
+ <DPM Name="Mortgage Owner" Type="DPM">Private</DPM>
51
+ <DPM Name="LTV" Type="DPM">80</DPM>
52
+ <DPM Name="CLTV" Type="DPM">0</DPM>
53
+ <DPM Name="Housing Region" Type="DPM">Stable</DPM>
54
+ <DPM Name="overrideStepRateTerm" Type="DPM">N</DPM>
55
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
56
+ <DPM Name="Display Grid" Type="DPM">Y</DPM>
57
+ <DPM Name="Todays Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
58
+ <DPM Name="Decision Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
59
+ </Rule>
60
+ <Rule Name="HPI-Initialization PLK.1" Id="3903" ConditionResult="True">
61
+ <DPM Name="Discount Rate Actual" Type="DPM">4.5</DPM>
62
+ <DPM Name="MSA Title" Type="DPM">Truckee-Grass Valley CA</DPM>
63
+ <DPM Name="Todays Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
64
+ <DPM Name="Todays Day" Type="DPM">22</DPM>
65
+ <DPM Name="Current Month" Type="DPM">4</DPM>
66
+ <DPM Name="Current Year" Type="DPM">2010</DPM>
67
+ <DPM Name="State of the Subject Property" Type="DPM">CA</DPM>
68
+ <DPM Name="Global Parameter" Type="DPM">1</DPM>
69
+ </Rule>
70
+ <Rule Name="Impac ForeclosureREO-Assumptions PLK.1" Id="3455" ConditionResult="True">
71
+ <DPM Name="Foreclosure Hold Time" Type="DPM">10.636666667</DPM>
72
+ <DPM Name="REO Hold Time" Type="DPM">6.5166666667</DPM>
73
+ <DPM Name="REO Foreclosure Expense Percentage" Type="DPM">0.0208</DPM>
74
+ </Rule>
75
+ <Rule Name="Impac-REO Foreclosure HPI Future Date No Mod" Id="3456" ConditionResult="True">
76
+ <DPM Name="REO Hold Time" Type="DPM">7</DPM>
77
+ <DPM Name="Foreclosure Hold Time No Mod" Type="DPM">11</DPM>
78
+ <DPM Name="REO Foreclosure Time" Type="DPM">18</DPM>
79
+ <DPM Name="Foreclosure Hold Time No Mod" Type="DPM">18</DPM>
80
+ <DPM Name="REO Foreclosure Time" Type="DPM">18</DPM>
81
+ <DPM Name="REO Foreclosure Time" Type="DPM">6</DPM>
82
+ <DPM Name="REO Foreclosure Time" Type="DPM">6</DPM>
83
+ <DPM Name="REO Foreclosure Time" Type="DPM">18</DPM>
84
+ <DPM Name="REO Foreclosure Time" Type="DPM">24</DPM>
85
+ <DPM Name="Future Date" Type="DPM">4/22/2012 12:00:00 AM</DPM>
86
+ <DPM Name="Future Month" Type="DPM">4</DPM>
87
+ <DPM Name="Temp Number" Type="DPM">2</DPM>
88
+ <DPM Name="Temp String" Type="DPM">22/2012 12:00:00 AM</DPM>
89
+ <DPM Name="Temp Number" Type="DPM">3</DPM>
90
+ <DPM Name="Future Year" Type="DPM">2012 12:00:00 AM</DPM>
91
+ <DPM Name="Future Year" Type="DPM">2012</DPM>
92
+ </Rule>
93
+ <Rule Name="Impac Set Current Quarter No Mod PLK.1" Id="3457" ConditionResult="False">
94
+ </Rule>
95
+ <Rule Name="Impac Set Current Quarter No Mod PLK.2" Id="3458" ConditionResult="True">
96
+ <DPM Name="Current Quarter" Type="DPM">Q2</DPM>
97
+ <DPM Name="Current Quarter No." Type="DPM">2</DPM>
98
+ </Rule>
99
+ <Rule Name="Impac Set Future Quarter No Mod PLK.1" Id="3461" ConditionResult="False">
100
+ </Rule>
101
+ <Rule Name="Impac Set Future Quarter No Mod PLK.2" Id="3462" ConditionResult="True">
102
+ <DPM Name="Future Quarter" Type="DPM">Q2</DPM>
103
+ </Rule>
104
+ <Rule Name="Impac-Year Quarter Concatenation No Mod" Id="3465" ConditionResult="True">
105
+ <DPM Name="YearCurrentQuarter" Type="DPM">2010Q2</DPM>
106
+ <DPM Name="YearQuarterNo" Type="DPM">2010Q2</DPM>
107
+ <DPM Name="Current HPI" Type="DPM"></DPM>
108
+ <DPM Name="YearFutureQuarter" Type="DPM">2012Q2</DPM>
109
+ <DPM Name="YearQuarterNo" Type="DPM">2012Q2</DPM>
110
+ <DPM Name="Future HPI" Type="DPM"></DPM>
111
+ </Rule>
112
+ <Rule Name="Impac-Current HPI if Null No Mod PLK.1" Id="3466" ConditionResult="True">
113
+ <DPM Name="Division Name" Type="DPM">Pacific</DPM>
114
+ <DPM Name="MSA Title" Type="DPM">Pacific</DPM>
115
+ <DPM Name="YearQuarterNo" Type="DPM">2010Q2</DPM>
116
+ <DPM Name="Current HPI" Type="DPM">98.09</DPM>
117
+ </Rule>
118
+ <Rule Name="Impac-Future HPI if Null No Mod PLK.1" Id="3468" ConditionResult="True">
119
+ <DPM Name="Division Name" Type="DPM">Pacific</DPM>
120
+ <DPM Name="MSA Title" Type="DPM">Pacific</DPM>
121
+ <DPM Name="YearQuarterNo" Type="DPM">2012Q2</DPM>
122
+ <DPM Name="Future HPI" Type="DPM">100.55</DPM>
123
+ </Rule>
124
+ <Rule Name="Impac-Housing Region PLK.1" Id="3470" ConditionResult="True">
125
+ <DPM Name="Housing Region" Type="DPM">Stable</DPM>
126
+ </Rule>
127
+ <Rule Name="IMPC DelinquencyStatus PLK.1" Id="9844" ConditionResult="False">
128
+ </Rule>
129
+ <Rule Name="IMPC DelinquencyStatus PLK.2" Id="9845" ConditionResult="False">
130
+ </Rule>
131
+ <Rule Name="IMPC DelinquencyStatus PLK.3" Id="9846" ConditionResult="False">
132
+ </Rule>
133
+ <Rule Name="IMPC DelinquencyStatus PLK.4" Id="9847" ConditionResult="False">
134
+ </Rule>
135
+ <Rule Name="IMPC DelinquencyStatus PLK.5" Id="9848" ConditionResult="True">
136
+ <DPM Name="Months Delinquent" Type="DPM">3</DPM>
137
+ </Rule>
138
+ <Rule Name="IMPC SetMotivation PLK.1" Id="9897" ConditionResult="False">
139
+ </Rule>
140
+ <Rule Name="IMPC SetMotivation PLK.2" Id="9898" ConditionResult="False">
141
+ </Rule>
142
+ <Rule Name="IMPC SetMotivation PLK.3" Id="9899" ConditionResult="False">
143
+ </Rule>
144
+ <Rule Name="IMPC SetMotivation PLK.4" Id="9900" ConditionResult="False">
145
+ </Rule>
146
+ <Rule Name="IMPC SetMotivation PLK.5" Id="9901" ConditionResult="False">
147
+ </Rule>
148
+ <Rule Name="IMPC SetMotivation PLK.6" Id="9902" ConditionResult="False">
149
+ </Rule>
150
+ <Rule Name="IMPC SetPropertyValuation PLK.1" Id="9840" ConditionResult="False">
151
+ </Rule>
152
+ <Rule Name="IMPC SetPropertyValuation PLK.2" Id="9841" ConditionResult="False">
153
+ </Rule>
154
+ <Rule Name="IMPC SetPropertyValuation PLK.3" Id="9842" ConditionResult="False">
155
+ </Rule>
156
+ <Rule Name="IMPC SetPropertyValuation PLK.4" Id="9843" ConditionResult="False">
157
+ </Rule>
158
+ <Rule Name="IMPC SetOccupancy PLK.1" Id="9822" ConditionResult="True">
159
+ <DPM Name="Current Occupancy" Type="DPM">Owner</DPM>
160
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
161
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
162
+ </Rule>
163
+ <Rule Name="IMPC SetProductCode PLK.1" Id="9831" ConditionResult="True">
164
+ <DPM Name="Product Code" Type="DPM">2</DPM>
165
+ </Rule>
166
+ <Rule Name="Assumption-Init" Id="10068" ConditionResult="True">
167
+ <DPM Name="Todays Date" Type="DPM">4/22/2010 12:00:00 AM</DPM>
168
+ <DPM Name="assumptionMsg" Type="DPM">NA</DPM>
169
+ </Rule>
170
+ <Rule Name="Assumption-HardshipSeverity" Id="8168" ConditionResult="True">
171
+ <DPM Name="Hardship Severity" Type="DPM">Moderate</DPM>
172
+ </Rule>
173
+ <Rule Name="Assumption-HardshipSeverity-Msg" Id="8169" ConditionResult="True">
174
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Severity: </DPM>
175
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Severity: Moderate</DPM>
176
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate</DPM>
177
+ </Rule>
178
+ <Rule Name="Assumption-HardshipTerm" Id="8170" ConditionResult="True">
179
+ <DPM Name="Hardship Term" Type="DPM">ShortTerm</DPM>
180
+ </Rule>
181
+ <Rule Name="Assumption-HardshipTerm-Msg" Id="8171" ConditionResult="True">
182
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Term: </DPM>
183
+ <DPM Name="tempMsg" Type="DPM">-- Hardship Term: ShortTerm</DPM>
184
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm</DPM>
185
+ </Rule>
186
+ <Rule Name="Assumption-FutureIncome" Id="8172" ConditionResult="True">
187
+ <DPM Name="Future Income" Type="DPM">Improve</DPM>
188
+ </Rule>
189
+ <Rule Name="Assumption-FutureIncome-Msg" Id="8173" ConditionResult="True">
190
+ <DPM Name="tempMsg" Type="DPM">-- Future Income: </DPM>
191
+ <DPM Name="tempMsg" Type="DPM">-- Future Income: Improve</DPM>
192
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve</DPM>
193
+ </Rule>
194
+ <Rule Name="Assumption-BorrowerIntent" Id="8174" ConditionResult="True">
195
+ <DPM Name="Motivation" Type="DPM">Wish To Stay</DPM>
196
+ </Rule>
197
+ <Rule Name="Assumption-BorrowerIntent-Msg" Id="8175" ConditionResult="True">
198
+ <DPM Name="tempMsg" Type="DPM">-- Borrower Intent: </DPM>
199
+ <DPM Name="tempMsg" Type="DPM">-- Borrower Intent: Wish To Stay</DPM>
200
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve-- Borrower Intent: Wish To Stay</DPM>
201
+ </Rule>
202
+ <Rule Name="Assumption-PropertyValueType" Id="8176" ConditionResult="True">
203
+ <DPM Name="Valuation Type" Type="DPM">AVM</DPM>
204
+ </Rule>
205
+ <Rule Name="Assumption-PropertyValueType-Msg" Id="8177" ConditionResult="True">
206
+ <DPM Name="tempMsg" Type="DPM">-- Property Valuation Type: </DPM>
207
+ <DPM Name="tempMsg" Type="DPM">-- Property Valuation Type: AVM</DPM>
208
+ <DPM Name="assumptionMsg" Type="DPM">-- Hardship Severity: Moderate-- Hardship Term: ShortTerm-- Future Income: Improve-- Borrower Intent: Wish To Stay-- Property Valuation Type: AVM</DPM>
209
+ </Rule>
210
+ <Rule Name="Assumption-PropertyValue" Id="8178" ConditionResult="False">
211
+ <DPM Name="propertyValue" Type="DPM">490000</DPM>
212
+ </Rule>
213
+ <Rule Name="Assumption-PropertyValue-Msg" Id="8179" ConditionResult="False">
214
+ </Rule>
215
+ <Rule Name="Assumption-Occupancy" Id="8180" ConditionResult="False">
216
+ </Rule>
217
+ <Rule Name="Assumption-Occupancy-Msg" Id="8181" ConditionResult="False">
218
+ </Rule>
219
+ <Rule Name="Assumption-MonthsInDefault" Id="8182" ConditionResult="True">
220
+ <DPM Name="Months in Default" Type="DPM">4</DPM>
221
+ </Rule>
222
+ <Rule Name="Assumption-MonthsInDefault-Msg" Id="8183" ConditionResult="True">
223
+ <DPM Name="tempMsg" Type="DPM">-- Months In Default: </DPM>
224
+ <DPM Name="tempMsg" Type="DPM">-- Months In Default: 4</DPM>
225
+ <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>
226
+ </Rule>
227
+ <Rule Name="Assumption-IR" Id="8184" ConditionResult="False">
228
+ <DPM Name="interest" Type="DPM">4.375</DPM>
229
+ </Rule>
230
+ <Rule Name="Assumption-IR-Msg" Id="8185" ConditionResult="False">
231
+ </Rule>
232
+ <Rule Name="Assumption-LoanAmount" Id="8186" ConditionResult="False">
233
+ <DPM Name="loanAmount" Type="DPM">377150.83</DPM>
234
+ <DPM Name="Current UPB" Type="DPM">377150.83</DPM>
235
+ </Rule>
236
+ <Rule Name="Assumption-LoanAmount-Msg" Id="8187" ConditionResult="False">
237
+ </Rule>
238
+ <Rule Name="Assumption-CurrentMonthlyPayment" Id="8188" ConditionResult="False">
239
+ <DPM Name="Current Payment" Type="DPM">2147.32</DPM>
240
+ </Rule>
241
+ <Rule Name="Assumption-CurrentMonthlyPayment-Msg" Id="8189" ConditionResult="False">
242
+ </Rule>
243
+ <Rule Name="Assumption-MaturityDate-Test" Id="8190" ConditionResult="True">
244
+ <DPM Name="tmpTerm" Type="DPM">300</DPM>
245
+ <DPM Name="Maturity Date" Type="DPM">4/22/2035 12:00:00 AM</DPM>
246
+ </Rule>
247
+ <Rule Name="Assumption-MaturityDate" Id="8191" ConditionResult="False">
248
+ <DPM Name="Maturity Date" Type="DPM">3/1/2033 12:00:00 AM</DPM>
249
+ </Rule>
250
+ <Rule Name="Assumption-MaturityDate-Msg" Id="8192" ConditionResult="False">
251
+ </Rule>
252
+ <Rule Name="Assumption-LienNumber" Id="8193" ConditionResult="False">
253
+ </Rule>
254
+ <Rule Name="Assumption-LienNumber-Msg" Id="8194" ConditionResult="False">
255
+ </Rule>
256
+ <Rule Name="Assumption-MonthsDq" Id="8195" ConditionResult="False">
257
+ </Rule>
258
+ <Rule Name="Assumption-MonthsDq-Msg" Id="8196" ConditionResult="False">
259
+ </Rule>
260
+ <Rule Name="Assumption-Display-Msg" Id="10069" ConditionResult="True">
261
+ <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>
262
+ <Rule Name="Calc-LTV-CLTV" Id="3254" ConditionResult="True">
263
+ <DPM Name="LTV" Type="DPM">76.9695571428571</DPM>
264
+ <DPM Name="CLTV" Type="DPM">97.3777204081633</DPM>
265
+ </Rule>
266
+ <Rule Name="Calc-LTV-CLTV-Msg" Id="10072" ConditionResult="True">
267
+ <Message Type="FINDINGS" RuleId="10072" RulesetId="80" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated LTV/CLTV: 76.97% / 97.38%. ]]></Message> </Rule>
268
+ <Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="10024" ConditionResult="True">
269
+ <DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
270
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
271
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
272
+ <DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
273
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
274
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
275
+ <DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
276
+ <DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
277
+ <DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
278
+ </Rule>
279
+ <Rule Name="IMPC SetTargetDTIs PLK.1" Id="9860" ConditionResult="True">
280
+ <DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
281
+ <DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
282
+ <DPM Name="Backend Target DTI" Type="DPM">75</DPM>
283
+ </Rule>
284
+ <Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="9876" ConditionResult="True">
285
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
286
+ <DPM Name="Rate Matrix Group" Type="DPM">1</DPM>
287
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
288
+ <DPM Name="Max LTV" Type="DPM">80</DPM>
289
+ </Rule>
290
+ <Rule Name="IMPC SetRatesAndTerms PLK.1" Id="9912" ConditionResult="False">
291
+ </Rule>
292
+ <Rule Name="IMPC SetRatesAndTerms PLK.2" Id="9913" ConditionResult="False">
293
+ </Rule>
294
+ <Rule Name="IMPC SetRatesAndTerms PLK.3" Id="9914" ConditionResult="False">
295
+ </Rule>
296
+ <Rule Name="IMPC SetRatesAndTerms PLK.4" Id="9915" ConditionResult="False">
297
+ </Rule>
298
+ <Rule Name="IMPC SetRatesAndTerms PLK.5" Id="9916" ConditionResult="False">
299
+ </Rule>
300
+ <Rule Name="IMPC SetRatesAndTerms PLK.6" Id="9917" ConditionResult="False">
301
+ </Rule>
302
+ <Rule Name="IMPC SetRatesAndTerms PLK.7" Id="9918" ConditionResult="False">
303
+ </Rule>
304
+ <Rule Name="IMPC SetRatesAndTerms PLK.8" Id="9919" ConditionResult="False">
305
+ </Rule>
306
+ <Rule Name="IMPC SetRatesAndTerms PLK.9" Id="9920" ConditionResult="False">
307
+ </Rule>
308
+ <Rule Name="IMPC SetRatesAndTerms PLK.10" Id="9921" ConditionResult="False">
309
+ </Rule>
310
+ <Rule Name="IMPC SetRatesAndTerms PLK.11" Id="9922" ConditionResult="False">
311
+ </Rule>
312
+ <Rule Name="IMPC SetRatesAndTerms PLK.12" Id="9923" ConditionResult="False">
313
+ </Rule>
314
+ <Rule Name="IMPC SetRatesAndTerms PLK.13" Id="9924" ConditionResult="False">
315
+ </Rule>
316
+ <Rule Name="IMPC SetRatesAndTerms PLK.14" Id="9925" ConditionResult="False">
317
+ </Rule>
318
+ <Rule Name="IMPC SetRatesAndTerms PLK.15" Id="9926" ConditionResult="False">
319
+ </Rule>
320
+ <Rule Name="IMPC SetRatesAndTerms PLK.16" Id="9927" ConditionResult="False">
321
+ </Rule>
322
+ <Rule Name="IMPC SetRatesAndTerms PLK.17" Id="9928" ConditionResult="False">
323
+ </Rule>
324
+ <Rule Name="IMPC SetRatesAndTerms PLK.18" Id="9929" ConditionResult="False">
325
+ </Rule>
326
+ <Rule Name="IMPC SetRatesAndTerms PLK.19" Id="9930" ConditionResult="False">
327
+ </Rule>
328
+ <Rule Name="IMPC SetRatesAndTerms PLK.20" Id="9931" ConditionResult="False">
329
+ </Rule>
330
+ <Rule Name="IMPC SetRatesAndTerms PLK.21" Id="9932" ConditionResult="False">
331
+ </Rule>
332
+ <Rule Name="IMPC SetRatesAndTerms PLK.22" Id="9933" ConditionResult="False">
333
+ </Rule>
334
+ <Rule Name="IMPC SetRatesAndTerms PLK.23" Id="9934" ConditionResult="False">
335
+ </Rule>
336
+ <Rule Name="IMPC SetRatesAndTerms PLK.24" Id="9935" ConditionResult="False">
337
+ </Rule>
338
+ <Rule Name="IMPC SetRatesAndTerms PLK.25" Id="9936" ConditionResult="False">
339
+ </Rule>
340
+ <Rule Name="IMPC SetRatesAndTerms PLK.26" Id="9937" ConditionResult="False">
341
+ </Rule>
342
+ <Rule Name="IMPC SetRatesAndTerms PLK.27" Id="9938" ConditionResult="False">
343
+ </Rule>
344
+ <Rule Name="IMPC SetRatesAndTerms PLK.28" Id="9939" ConditionResult="False">
345
+ </Rule>
346
+ <Rule Name="IMPC SetRatesAndTerms PLK.29" Id="9940" ConditionResult="False">
347
+ </Rule>
348
+ <Rule Name="IMPC SetRatesAndTerms PLK.30" Id="9941" ConditionResult="False">
349
+ </Rule>
350
+ <Rule Name="IMPC SetRatesAndTerms PLK.31" Id="9942" ConditionResult="True">
351
+ <DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
352
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
353
+ <DPM Name="Min Rate-RateTerm" Type="DPM">4</DPM>
354
+ <DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
355
+ <DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
356
+ <DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
357
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
358
+ <DPM Name="Mod Term1" Type="DPM">60</DPM>
359
+ <DPM Name="Mod Term2" Type="DPM">24</DPM>
360
+ <DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
361
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
362
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
363
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
364
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
365
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
366
+ </Rule>
367
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.1" Id="9851" ConditionResult="False">
368
+ </Rule>
369
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.2" Id="9852" ConditionResult="False">
370
+ </Rule>
371
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.3" Id="9853" ConditionResult="False">
372
+ </Rule>
373
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.4" Id="9854" ConditionResult="False">
374
+ </Rule>
375
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.5" Id="9855" ConditionResult="False">
376
+ </Rule>
377
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.6" Id="9856" ConditionResult="False">
378
+ </Rule>
379
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.7" Id="9857" ConditionResult="False">
380
+ </Rule>
381
+ <Rule Name="IMPC NoAvailableProducts-Reason PLK.8" Id="9858" ConditionResult="False">
382
+ </Rule>
383
+ <Rule Name="IMPC NoAvailableProducts PLK.1" Id="9859" ConditionResult="False">
384
+ </Rule>
385
+ <Rule Name="IMPC SetMinRate PLK.1" Id="9827" ConditionResult="True">
386
+ <DPM Name="Min Rate" Type="DPM">4</DPM>
387
+ </Rule>
388
+ <Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
389
+ <DPM Name="Remaining Term" Type="DPM">274</DPM>
390
+ </Rule>
391
+ <Rule Name="PreventNegativeRemainingTerm" Id="8198" ConditionResult="False">
392
+ </Rule>
393
+ <Rule Name="CalcRemainingTerm-Msg" Id="10073" ConditionResult="True">
394
+ <Message Type="FINDINGS" RuleId="10073" RulesetId="1" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated remaining term: 274. ]]></Message> </Rule>
395
+ <Rule Name="OverrideRemainingTerm" Id="7692" ConditionResult="False">
396
+ </Rule>
397
+ <Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
398
+ <DPM Name="Current UPB" Type="DPM">377150.83</DPM>
399
+ </Rule>
400
+ <Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
401
+ <DPM Name="DQ Interest" Type="DPM">5500.11627083333</DPM>
402
+ </Rule>
403
+ <Rule Name="CalcDqInterest-Msg" Id="10074" ConditionResult="True">
404
+ <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>
405
+ <Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
406
+ </Rule>
407
+ <Rule Name="CalcCaptializedUPB" Id="7693" ConditionResult="True">
408
+ <DPM Name="Capitalized UPB" Type="DPM">382650.95</DPM>
409
+ </Rule>
410
+ <Rule Name="CalcCaptializedUPB-Msg" Id="10075" ConditionResult="True">
411
+ <Message Type="FINDINGS" RuleId="10075" RulesetId="1" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Calculated capitalized UPB: $382650.95. ]]></Message> </Rule>
412
+ <Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
413
+ <DPM Name="Monthly Income" Type="DPM">0</DPM>
414
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
415
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
416
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
417
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
418
+ </Rule>
419
+ <Rule Name="Calc-MonthlyIncome-NOO" Id="8893" ConditionResult="False">
420
+ </Rule>
421
+ <Rule Name="Calc-MonthlyIncome-2ndHome" Id="8894" ConditionResult="False">
422
+ </Rule>
423
+ <Rule Name="Calc-MonthlyIncome-Owner" Id="8895" ConditionResult="True">
424
+ <DPM Name="Monthly Income" Type="DPM">2000</DPM>
425
+ </Rule>
426
+ <Rule Name="Calc-MonthlyIncome-Msg" Id="10079" ConditionResult="True">
427
+ <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>
428
+ <Rule Name="Calc-PresentMonthlyExpenses" Id="1592" ConditionResult="True">
429
+ <DPM Name="Present Monthly Expenses" Type="DPM">150</DPM>
430
+ </Rule>
431
+ <Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
432
+ <DPM Name="Housing Expenses" Type="DPM">125</DPM>
433
+ <DPM Name="Monthly Liabilities" Type="DPM">25</DPM>
434
+ </Rule>
435
+ <Rule Name="Calc-MonthlyExpenses-Msg" Id="10080" ConditionResult="True">
436
+ <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>
437
+ <Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
438
+ <DPM Name="Target DTI" Type="DPM">40</DPM>
439
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
440
+ <DPM Name="rateTermSucceededFlag" Type="DPM">Y</DPM>
441
+ </Rule>
442
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
443
+ <DPM Name="Target Payment" Type="DPM">800</DPM>
444
+ <DPM Name="Target Payment" Type="DPM">675</DPM>
445
+ </Rule>
446
+ <Rule Name="GrossTarget1Payment-PreventNegativePayment" Id="3904" ConditionResult="False">
447
+ </Rule>
448
+ <Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
449
+ <DPM Name="Gross Target 1 Payment" Type="DPM">675</DPM>
450
+ <DPM Name="affordablePayment" Type="DPM">675</DPM>
451
+ </Rule>
452
+ <Rule Name="Store-GrossTarget1Payment-Msg" Id="10081" ConditionResult="True">
453
+ <Message Type="FINDINGS" RuleId="10081" RulesetId="16" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Gross Target 1 payment: $675 (@ 40% DTI). ]]></Message> </Rule>
454
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
455
+ <DPM Name="Goal Payment" Type="DPM">675</DPM>
456
+ <DPM Name="Current UPB" Type="DPM">382650.95</DPM>
457
+ <DPM Name="Current Interest Rate" Type="DPM">4.375</DPM>
458
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
459
+ <DPM Name="Max Term Extension" Type="DPM">274</DPM>
460
+ <DPM Name="Floor Term" Type="DPM">274</DPM>
461
+ <DPM Name="Status" Type="DPM">False</DPM>
462
+ <DPM Name="Floor Rate" Type="DPM">0.00333333333333333</DPM>
463
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">2132.21575547987</DPM>
464
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
465
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">2257.21575547987</DPM>
466
+ </Rule>
467
+ <Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="True">
468
+ <DPM Name="target1FailedPayment" Type="DPM">2132.21575547987</DPM>
469
+ <DPM Name="target1FailedFloorRate" Type="DPM">4</DPM>
470
+ <DPM Name="target1FailedTargetPayment" Type="DPM">675</DPM>
471
+ <DPM Name="Proposed Interest Rate-DPM" Type="DPM">4</DPM>
472
+ <DPM Name="Proposed Payment" Type="DPM">2132.21575547987</DPM>
473
+ <DPM Name="Proposed Term" Type="DPM">274</DPM>
474
+ <DPM Name="Proposed UPB" Type="DPM">382650.95</DPM>
475
+ <DPM Name="rateTermSucceededFlag" Type="DPM">N</DPM>
476
+ </Rule>
477
+ <Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="True">
478
+ <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>
479
+ <Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
480
+ <DPM Name="Gross Target 1 Rate" Type="DPM">4</DPM>
481
+ <DPM Name="Gross Target 1 Payment" Type="DPM">2132.21575547987</DPM>
482
+ <DPM Name="Gross Target 1 Term" Type="DPM">274</DPM>
483
+ </Rule>
484
+ <Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
485
+ <DPM Name="Backend DTI" Type="DPM">114.110787773994</DPM>
486
+ </Rule>
487
+ <Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
488
+ </Rule>
489
+ <Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
490
+ <DPM Name="Backend DTI" Type="DPM">75</DPM>
491
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
492
+ </Rule>
493
+ <Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
494
+ <DPM Name="Target Payment" Type="DPM">1500</DPM>
495
+ <DPM Name="Target Payment" Type="DPM">1350</DPM>
496
+ </Rule>
497
+ <Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
498
+ <DPM Name="Backend Pmt" Type="DPM">1350</DPM>
499
+ </Rule>
500
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
501
+ <DPM Name="Goal Payment" Type="DPM">1350</DPM>
502
+ <DPM Name="Current UPB" Type="DPM">382650.95</DPM>
503
+ <DPM Name="Current Interest Rate" Type="DPM">4.375</DPM>
504
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
505
+ <DPM Name="Max Term Extension" Type="DPM">274</DPM>
506
+ <DPM Name="Floor Term" Type="DPM">274</DPM>
507
+ <DPM Name="Status" Type="DPM">False</DPM>
508
+ <DPM Name="Floor Rate" Type="DPM">0.00333333333333333</DPM>
509
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">2132.21575547987</DPM>
510
+ <DPM Name="Floor Rate" Type="DPM">4</DPM>
511
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">2257.21575547987</DPM>
512
+ </Rule>
513
+ <Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="True">
514
+ <DPM Name="targetBeFailedPayment" Type="DPM">2132.21575547987</DPM>
515
+ <DPM Name="targetBeFailedFloorRate" Type="DPM">4</DPM>
516
+ <DPM Name="targetBeFailedTargetPayment" Type="DPM">1350</DPM>
517
+ <DPM Name="Proposed Interest Rate-DPM" Type="DPM">4</DPM>
518
+ <DPM Name="Proposed Payment" Type="DPM">2132.21575547987</DPM>
519
+ <DPM Name="Proposed Term" Type="DPM">274</DPM>
520
+ <DPM Name="Proposed UPB" Type="DPM">382650.95</DPM>
521
+ </Rule>
522
+ <Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="True">
523
+ <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>
524
+ <Rule Name="TargetBeGoalPaymentMet" Id="1593" ConditionResult="False">
525
+ </Rule>
526
+ <Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
527
+ <DPM Name="Backend Rate" Type="DPM">4</DPM>
528
+ <DPM Name="Backend Term" Type="DPM">274</DPM>
529
+ <DPM Name="Backend Pmt" Type="DPM">2132.21575547987</DPM>
530
+ </Rule>
531
+ <Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
532
+ <DPM Name="Target DTI" Type="DPM">30</DPM>
533
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
534
+ </Rule>
535
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
536
+ <DPM Name="Target Payment" Type="DPM">600</DPM>
537
+ <DPM Name="Target Payment" Type="DPM">475</DPM>
538
+ </Rule>
539
+ <Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
540
+ <DPM Name="Gross Target 2 Payment" Type="DPM">475</DPM>
541
+ </Rule>
542
+ <Rule Name="GrossTarget2Payment-Msgs" Id="10082" ConditionResult="True">
543
+ <Message Type="FINDINGS" RuleId="10082" RulesetId="18" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Gross Target 2 payment: $475 (@ 30% DTI). ]]></Message> </Rule>
544
+ <Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
545
+ <DPM Name="Proposed Interest Rate-DPM" Type="DPM">4</DPM>
546
+ <DPM Name="Proposed Payment" Type="DPM">2132.21575547987</DPM>
547
+ </Rule>
548
+ <Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
549
+ </Rule>
550
+ <Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
551
+ </Rule>
552
+ <Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
553
+ <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>
554
+ </Rule>
555
+ <Rule Name="Set-ModRateTerm-ProposedUPB" Id="10083" ConditionResult="True">
556
+ <DPM Name="Proposed UPB" Type="DPM">382650.95</DPM>
557
+ </Rule>
558
+ <Rule Name="Set-ModRateTerm-ProposedValuesTmp" Id="4843" ConditionResult="True">
559
+ <DPM Name="modRateTermTermTmp" Type="DPM">60</DPM>
560
+ <DPM Name="modRateTermUPBTmp" Type="DPM">382650.95</DPM>
561
+ <DPM Name="modRateTermRateTmp" Type="DPM">4</DPM>
562
+ <DPM Name="modRateTermPaymentTmp" Type="DPM">2132.21575547987</DPM>
563
+ </Rule>
564
+ <Rule Name="Override-StepRate" Id="3676" ConditionResult="False">
565
+ </Rule>
566
+ <Rule Name="Override-StepTerm" Id="3677" ConditionResult="False">
567
+ </Rule>
568
+ <Rule Name="Override-StepPayment" Id="3678" ConditionResult="False">
569
+ </Rule>
570
+ <Rule Name="Set-ModRateTerm-ProposedValues" Id="3679" ConditionResult="True">
571
+ <DPM Name="modRateTermTerm" Type="DPM">60</DPM>
572
+ <DPM Name="modRateTermUPB" Type="DPM">382650.95</DPM>
573
+ <DPM Name="modRateTermRate" Type="DPM">4</DPM>
574
+ <DPM Name="modRateTermPayment" Type="DPM">2132.21575547987</DPM>
575
+ </Rule>
576
+ <Rule Name="Set-ModRateTerm-OutputMatrixResults" Id="4844" ConditionResult="False">
577
+ </Rule>
578
+ <Rule Name="SetForbearOverrideAmount" Id="1594" ConditionResult="False">
579
+ <DPM Name="forbearOverrideAmount" Type="DPM">0</DPM>
580
+ </Rule>
581
+ <Rule Name="SetForbearFlag" Id="1595" ConditionResult="False">
582
+ <DPM Name="forbearFlag" Type="DPM">N</DPM>
583
+ <DPM Name="forbearDecision" Type="DPM">Fail</DPM>
584
+ </Rule>
585
+ <Rule Name="SetForbearFlag-Fail-Reason" Id="9816" ConditionResult="False">
586
+ </Rule>
587
+ <Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
588
+ <DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
589
+ </Rule>
590
+ <Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
591
+ </Rule>
592
+ <Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
593
+ </Rule>
594
+ <Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
595
+ </Rule>
596
+ <Rule Name="CalcProposedRateTerm-ModForbear" Id="3065" ConditionResult="False">
597
+ </Rule>
598
+ <Rule Name="ForbearGoalPaymentNotMet" Id="3064" ConditionResult="False">
599
+ </Rule>
600
+ <Rule Name="CheckForbearSucceeded" Id="1598" ConditionResult="False">
601
+ </Rule>
602
+ <Rule Name="Set-ModForbear-ProposedValuesTmp" Id="4845" ConditionResult="True">
603
+ <DPM Name="modForbearTermTmp" Type="DPM">60</DPM>
604
+ <DPM Name="modForbearUPBTmp" Type="DPM">382650.95</DPM>
605
+ <DPM Name="modForbearRateTmp" Type="DPM">4</DPM>
606
+ <DPM Name="modForbearPaymentTmp" Type="DPM">2132.21575547987</DPM>
607
+ </Rule>
608
+ <Rule Name="Override-StepRate" Id="3676" ConditionResult="False">
609
+ </Rule>
610
+ <Rule Name="Override-StepTerm" Id="3677" ConditionResult="False">
611
+ </Rule>
612
+ <Rule Name="Override-StepPayment" Id="3678" ConditionResult="False">
613
+ </Rule>
614
+ <Rule Name="Set-ModForbear-ProposedValues" Id="3680" ConditionResult="True">
615
+ <DPM Name="modForbearTerm" Type="DPM">60</DPM>
616
+ <DPM Name="modForbearUPB" Type="DPM">382650.95</DPM>
617
+ <DPM Name="modForbearRate" Type="DPM">4</DPM>
618
+ <DPM Name="modForbearPayment" Type="DPM">2132.21575547987</DPM>
619
+ </Rule>
620
+ <Rule Name="Set-ModForbear-OutputMatrixResults" Id="4846" ConditionResult="False">
621
+ </Rule>
622
+ <Rule Name="SetForgiveOverrideAmount" Id="1797" ConditionResult="False">
623
+ <DPM Name="forgiveOverrideAmount" Type="DPM">0</DPM>
624
+ </Rule>
625
+ <Rule Name="SetForgiveFlag" Id="1798" ConditionResult="False">
626
+ <DPM Name="forgiveFlag" Type="DPM">N</DPM>
627
+ <DPM Name="forgiveDecision" Type="DPM">Fail</DPM>
628
+ </Rule>
629
+ <Rule Name="SetForgiveFlag-Fail-Reason" Id="9815" ConditionResult="False">
630
+ </Rule>
631
+ <Rule Name="CalcMaxForgivePrinciple" Id="1799" ConditionResult="False">
632
+ <DPM Name="Max Forgive Principle" Type="DPM">0</DPM>
633
+ </Rule>
634
+ <Rule Name="CalcForgiveAmount" Id="1800" ConditionResult="False">
635
+ </Rule>
636
+ <Rule Name="OverrideForgivePrincipleAmount" Id="1801" ConditionResult="False">
637
+ </Rule>
638
+ <Rule Name="SubtractForgivePrincipleAmountFromUPB" Id="1802" ConditionResult="False">
639
+ </Rule>
640
+ <Rule Name="SubtractDqInterestAmountFromUPB" Id="3681" ConditionResult="False">
641
+ </Rule>
642
+ <Rule Name="CalcProposedRateTerm-ModForgive" Id="3066" ConditionResult="False">
643
+ </Rule>
644
+ <Rule Name="ForgiveGoalPaymentNotMet" Id="3067" ConditionResult="False">
645
+ </Rule>
646
+ <Rule Name="CheckForgiveSucceeded" Id="1805" ConditionResult="False">
647
+ </Rule>
648
+ <Rule Name="Set-ModForgive-ProposedValuesTmp" Id="4847" ConditionResult="True">
649
+ <DPM Name="modForgiveTermTmp" Type="DPM">60</DPM>
650
+ <DPM Name="modForgiveUPBTmp" Type="DPM">382650.95</DPM>
651
+ <DPM Name="modForgiveRateTmp" Type="DPM">4</DPM>
652
+ <DPM Name="modForgivePaymentTmp" Type="DPM">2132.21575547987</DPM>
653
+ </Rule>
654
+ <Rule Name="Override-StepRate" Id="3676" ConditionResult="False">
655
+ </Rule>
656
+ <Rule Name="Override-StepTerm" Id="3677" ConditionResult="False">
657
+ </Rule>
658
+ <Rule Name="Override-StepPayment" Id="3678" ConditionResult="False">
659
+ </Rule>
660
+ <Rule Name="Set-ModForgive-ProposedValues" Id="3682" ConditionResult="True">
661
+ <DPM Name="modForgiveTerm" Type="DPM">60</DPM>
662
+ <DPM Name="modForgiveUPB" Type="DPM">382650.95</DPM>
663
+ <DPM Name="modForgiveRate" Type="DPM">4</DPM>
664
+ <DPM Name="modForgivePayment" Type="DPM">2132.21575547987</DPM>
665
+ </Rule>
666
+ <Rule Name="Set-ModForgive-OutputMatrixResults" Id="4848" ConditionResult="False">
667
+ </Rule>
668
+ <Rule Name="Calc-LTV-CLTV" Id="3254" ConditionResult="True">
669
+ <DPM Name="LTV" Type="DPM">76.9695571428571</DPM>
670
+ <DPM Name="CLTV" Type="DPM">97.3777204081633</DPM>
671
+ </Rule>
672
+ <Rule Name="SetSAMFlag" Id="3255" ConditionResult="False">
673
+ <DPM Name="samFlag" Type="DPM">N</DPM>
674
+ <DPM Name="samDecision" Type="DPM">Fail</DPM>
675
+ </Rule>
676
+ <Rule Name="SetSAMFlag-LT125LTV" Id="3256" ConditionResult="False">
677
+ </Rule>
678
+ <Rule Name="SetSAMFlag-Calc125LTV" Id="3257" ConditionResult="False">
679
+ </Rule>
680
+ <Rule Name="SetSAMFlag-CalcDeferredBalance" Id="3258" ConditionResult="False">
681
+ </Rule>
682
+ <Rule Name="Calc-ModSAM-DTI" Id="3259" ConditionResult="False">
683
+ </Rule>
684
+ <Rule Name="Calc-ModSAM-PassFail-DTI" Id="3260" ConditionResult="False">
685
+ </Rule>
686
+ <Rule Name="Calc-ModSAM-PassFail-LTV" Id="3261" ConditionResult="False">
687
+ </Rule>
688
+ <Rule Name="Calc-ModSAM-PassFail-CLTV" Id="3262" ConditionResult="False">
689
+ </Rule>
690
+ <Rule Name="Calc-ModSAM-TriggerUWReview" Id="3263" ConditionResult="False">
691
+ </Rule>
692
+ <Rule Name="Calc-ModSAM-DeferredBalanceMsg" Id="3264" ConditionResult="False">
693
+ </Rule>
694
+ <Rule Name="Set-ModSAM-ProposedValuesTmp" Id="4849" ConditionResult="True">
695
+ <DPM Name="modSAMTermTmp" Type="DPM">60</DPM>
696
+ <DPM Name="modSAMUPBTmp" Type="DPM">382650.95</DPM>
697
+ <DPM Name="modSAMRateTmp" Type="DPM">4</DPM>
698
+ <DPM Name="modSAMPaymentTmp" Type="DPM">2132.21575547987</DPM>
699
+ </Rule>
700
+ <Rule Name="Override-StepRate" Id="3676" ConditionResult="False">
701
+ </Rule>
702
+ <Rule Name="Override-StepTerm" Id="3677" ConditionResult="False">
703
+ </Rule>
704
+ <Rule Name="Override-StepPayment" Id="3678" ConditionResult="False">
705
+ </Rule>
706
+ <Rule Name="Set-ModSAM-ProposedValues" Id="3683" ConditionResult="True">
707
+ <DPM Name="modSAMTerm" Type="DPM">60</DPM>
708
+ <DPM Name="modSAMUPB" Type="DPM">382650.95</DPM>
709
+ <DPM Name="modSAMRate" Type="DPM">4</DPM>
710
+ <DPM Name="modSAMPayment" Type="DPM">2132.21575547987</DPM>
711
+ </Rule>
712
+ <Rule Name="Set-ModSAM-OutputMatrixResults" Id="4850" ConditionResult="False">
713
+ </Rule>
714
+ <Rule Name="IMPC SetProductRank PLK.1" Id="9903" ConditionResult="True">
715
+ <DPM Name="Rank" Type="DPM">1</DPM>
716
+ </Rule>
717
+ <Rule Name="NPV-RemoveForbearAmountTemp" Id="3669" ConditionResult="True">
718
+ <DPM Name="tempForbearAmount" Type="DPM"></DPM>
719
+ <DPM Name="Forbearance Amount" Type="DPM">0</DPM>
720
+ </Rule>
721
+ <Rule Name="NPV-Calc" Id="3670" ConditionResult="True">
722
+ <DPM Name="Payment" Type="DPM">2132.21575547987</DPM>
723
+ <DPM Name="Discount Rate" Type="DPM">0.00375</DPM>
724
+ <DPM Name="Term" Type="DPM">60</DPM>
725
+ <DPM Name="Calc1" Type="DPM">1.25179582052417</DPM>
726
+ <DPM Name="Calc2" Type="DPM">536.883015685614</DPM>
727
+ <DPM Name="Calc3" Type="DPM">0.00469423432696563</DPM>
728
+ <DPM Name="NPV Temp" Type="DPM">114370.731900096</DPM>
729
+ <DPM Name="Payment" Type="DPM">0</DPM>
730
+ <DPM Name="Term" Type="DPM">60</DPM>
731
+ <DPM Name="Payment Date" Type="DPM">4/22/2015 12:00:00 AM</DPM>
732
+ <DPM Name="Term" Type="DPM">1826</DPM>
733
+ <DPM Name="Discount Rate" Type="DPM">0.00375</DPM>
734
+ <DPM Name="Calc4" Type="DPM">0</DPM>
735
+ <DPM Name="NPV" Type="DPM">114370.731900096</DPM>
736
+ <DPM Name="NPV Mod Rate Term" Type="DPM">114370.731900096</DPM>
737
+ </Rule>
738
+ <Rule Name="NPV-ReplaceForbearAmountTemp" Id="3671" ConditionResult="True">
739
+ <DPM Name="Forbearance Amount" Type="DPM"></DPM>
740
+ </Rule>
741
+ <Rule Name="NPV-Store-ModRateTerm" Id="3672" ConditionResult="True">
742
+ <DPM Name="NPV Mod Rate Term" Type="DPM">114370.731900096</DPM>
743
+ </Rule>
744
+ <Rule Name="NPV-Store-ModForbear" Id="3673" ConditionResult="False">
745
+ </Rule>
746
+ <Rule Name="NPV-Store-ModForgive" Id="3674" ConditionResult="False">
747
+ </Rule>
748
+ <Rule Name="NPV-Store-ModSAM" Id="3675" ConditionResult="False">
749
+ </Rule>
750
+ <Rule Name="Set-ModRateTerm-ProposedPmtRateTerm" Id="1789" ConditionResult="True">
751
+ <DPM Name="Proposed Interest Rate-DPM" Type="DPM">4</DPM>
752
+ <DPM Name="Proposed Payment" Type="DPM">2132.21575547987</DPM>
753
+ <DPM Name="Proposed Term" Type="DPM">60</DPM>
754
+ <DPM Name="Current Unpaid Balance" Type="DPM">382650.95</DPM>
755
+ </Rule>
756
+ <Rule Name="Set-ModForbear-ProposedPmtRateTerm" Id="1790" ConditionResult="False">
757
+ </Rule>
758
+ <Rule Name="Set-ModForgive-ProposedPmtRateTerm" Id="1791" ConditionResult="False">
759
+ </Rule>
760
+ <Rule Name="Set-ModSAM-ProposedPmtRateTerm" Id="1792" ConditionResult="False">
761
+ </Rule>
762
+ <Rule Name="CalcCashFlowTerms" Id="1785" ConditionResult="True">
763
+ <DPM Name="Modified Cash Flow Term 1" Type="DPM">2132.21575547987</DPM>
764
+ <DPM Name="Modified Cash Flow Term 12" Type="DPM">25586.5890657585</DPM>
765
+ <DPM Name="Modified Cash Flow Term 24" Type="DPM">51173.1781315169</DPM>
766
+ </Rule>
767
+ <Rule Name="SetDisplayValues" Id="1786" ConditionResult="True">
768
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
769
+ <DPM Name="Display Grid" Type="DPM">Y</DPM>
770
+ </Rule>
771
+ <Rule Name="ProposedDTI-Calc" Id="10085" ConditionResult="True">
772
+ <DPM Name="proposedFrontDTI" Type="DPM">112.860787773994</DPM>
773
+ <DPM Name="proposedBackDTI" Type="DPM">114.110787773994</DPM>
774
+ </Rule>
775
+ <Rule Name="ProposedDTI-Msg" Id="10084" ConditionResult="True">
776
+ <Message Type="FINDINGS" RuleId="10084" RulesetId="25" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ FrontEnd/BackEnd DTI (based on proposed payment): 112.86/114.11%.. ]]></Message> </Rule>
777
+ <Rule Name="Set-ReportingValues" Id="9811" ConditionResult="True">
778
+ <DPM Name="Interest Rate After Modification" Type="DPM">4</DPM>
779
+ <DPM Name="Principal And Interest Payment After Modification" Type="DPM">2132.21575547987</DPM>
780
+ <DPM Name="Amortization Term After Modification" Type="DPM">60</DPM>
781
+ <DPM Name="Unpaid Principal Balance After Modification" Type="DPM">382650.95</DPM>
782
+ </Rule>
783
+ <Rule Name="Override-StepRate-Msgs-Rate" Id="3684" ConditionResult="False">
784
+ </Rule>
785
+ <Rule Name="Override-StepRate-Msgs-Term" Id="3685" ConditionResult="False">
786
+ </Rule>
787
+ <Rule Name="ShowResults" Id="187" ConditionResult="False">
788
+ </Rule>
789
+ <Rule Name="ShowResults-ForbearPass" Id="1600" ConditionResult="False">
790
+ </Rule>
791
+ <Rule Name="ShowResults-ForbearPass-AmtDueAtMaturity" Id="2533" ConditionResult="False">
792
+ </Rule>
793
+ <Rule Name="ShowResults-ForbearFail" Id="1601" ConditionResult="False">
794
+ </Rule>
795
+ <Rule Name="ShowResults-ForgivePass" Id="2534" ConditionResult="False">
796
+ </Rule>
797
+ <Rule Name="ShowResults-ForgiveFail" Id="2535" ConditionResult="False">
798
+ </Rule>
799
+ <Rule Name="ShowResults-SAMPass" Id="3268" ConditionResult="False">
800
+ </Rule>
801
+ <Rule Name="ShowResults-SAMFail" Id="3269" ConditionResult="False">
802
+ </Rule>
803
+ <Rule Name="IMPC Exception PLK.1" Id="10003" ConditionResult="False">
804
+ </Rule>
805
+ <Rule Name="IMPC Exception PLK.2" Id="10004" ConditionResult="False">
806
+ </Rule>
807
+ <Rule Name="IMPC Exception PLK.3" Id="10005" ConditionResult="False">
808
+ </Rule>
809
+ <Rule Name="IMPC Exception PLK.4" Id="10006" ConditionResult="False">
810
+ </Rule>
811
+ <Rule Name="IMPC Exception PLK.5" Id="10007" ConditionResult="False">
812
+ </Rule>
813
+ <Rule Name="IMPC Exception PLK.6" Id="10008" ConditionResult="False">
814
+ </Rule>
815
+ <Rule Name="IMPC Exception PLK.7" Id="10009" ConditionResult="False">
816
+ </Rule>
817
+ <Rule Name="IMPC Exception PLK.8" Id="10010" ConditionResult="False">
818
+ </Rule>
819
+ <Rule Name="IMPC Exception PLK.9" Id="10011" ConditionResult="False">
820
+ </Rule>
821
+ <Rule Name="IMPC Exception PLK.10" Id="10012" ConditionResult="False">
822
+ </Rule>
823
+ <Rule Name="IMPC Exception PLK.11" Id="10013" ConditionResult="False">
824
+ </Rule>
825
+ <Rule Name="IMPC Exception PLK.12" Id="10014" ConditionResult="False">
826
+ </Rule>
827
+ <Rule Name="IMPC Exception PLK.13" Id="10015" ConditionResult="False">
828
+ </Rule>
829
+ <Rule Name="IMPC Exception PLK.14" Id="10016" ConditionResult="False">
830
+ </Rule>
831
+ <Rule Name="IMPC Exception PLK.15" Id="10017" ConditionResult="False">
832
+ </Rule>
833
+ <Rule Name="IMPC Exception PLK.16" Id="10018" ConditionResult="False">
834
+ </Rule>
835
+ <Rule Name="IMPC Exception PLK.17" Id="10019" ConditionResult="False">
836
+ </Rule>
837
+ <Rule Name="IMPC Exception PLK.18" Id="10020" ConditionResult="False">
838
+ </Rule>
839
+ <Rule Name="IMPC Exception PLK.19" Id="10021" ConditionResult="False">
840
+ </Rule>
841
+ <Rule Name="IMPC Exception PLK.20" Id="10022" ConditionResult="False">
842
+ </Rule>
843
+ <Rule Name="IMPC Exception PLK.21" Id="10023" ConditionResult="False">
844
+ </Rule>
845
+ <Rule Name="IMPC Loan Mod Conditions PLK.1" Id="9850" ConditionResult="True">
846
+ <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>
847
+ <Rule Name="LoanMod-Exception-NoIncome-NOO" Id="10076" ConditionResult="False">
848
+ </Rule>
849
+ <Rule Name="LoanMod-Exception-NoIncome-2ndHome" Id="10077" ConditionResult="False">
850
+ </Rule>
851
+ <Rule Name="LoanMod-Exception-NoIncome-Owner" Id="10078" ConditionResult="False">
852
+ </Rule>
853
+ <Rule Name="LoanMod-Exception-NoIncome" Id="4602" ConditionResult="False">
854
+ </Rule>
855
+ <Rule Name="IMPC Mod Reports PLK.1" Id="9821" ConditionResult="False">
856
+ </Rule>
857
+ </Rules>
858
+
859
+
860
+
861
+ -------------Decision Response XML-------------
862
+
863
+ <Decision GuidelineId="2" Rulecount="0" ExecutionTime="4/22/2010 5:55:20 PM" ExecutionResult="True">
864
+ <Messages>
865
+ <Message Type="Findings" RuleId="10069" RulesetId="72"><![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>
866
+ <Message Type="Findings" RuleId="10072" RulesetId="80"><![CDATA[Calculated LTV/CLTV: 76.97% / 97.38%]]></Message>
867
+ <Message Type="Findings" RuleId="10073" RulesetId="1"><![CDATA[Calculated remaining term: 274]]></Message>
868
+ <Message Type="Findings" RuleId="10074" RulesetId="1"><![CDATA[Calculated delinquent interest: $5500.12 (on UPB of $377150.83)]]></Message>
869
+ <Message Type="Findings" RuleId="10075" RulesetId="1"><![CDATA[Calculated capitalized UPB: $382650.95]]></Message>
870
+ <Message Type="Findings" RuleId="10079" RulesetId="22"><![CDATA[Calculated total income (based on current occupancy type): $2000]]></Message>
871
+ <Message Type="Findings" RuleId="10080" RulesetId="22"><![CDATA[Calculated Expenses: --Housing Expenses: $125 --Monthly Liabilities: $25 --Total Expenses: $150]]></Message>
872
+ <Message Type="Findings" RuleId="10081" RulesetId="16"><![CDATA[Gross Target 1 payment: $675 (@ 40% DTI)]]></Message>
873
+ <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>
874
+ <Message Type="Findings" RuleId="1585" RulesetId="17"><![CDATA[Backend Target rate reduction failed. Target payment: $1350 (@ 75% DTI).]]></Message>
875
+ <Message Type="Findings" RuleId="10082" RulesetId="18"><![CDATA[Gross Target 2 payment: $475 (@ 30% DTI)]]></Message>
876
+ <Message Type="Findings" RuleId="540" RulesetId="81"><![CDATA[Term Rate threshold exceeded. Proposed Term is 60 months.]]></Message>
877
+ <Message Type="Findings" RuleId="10084" RulesetId="25"><![CDATA[FrontEnd/BackEnd DTI (based on proposed payment): 112.86/114.11%.]]></Message>
878
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="2" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Hardship Letter Document ]]></Message>
879
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="3" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Financial Worksheet Document ]]></Message>
880
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="4" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Income Documentation ]]></Message>
881
+ <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>
882
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="7" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Property Valuation Documentation (eppraisal, Cyberhomes, Mortgage.com, AVM, BPO, comps) ]]></Message>
883
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="8" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Upload Asset Documentation ]]></Message>
884
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="9" PriorTo="15" Visibility="False" Critical="False" Responsible="PS-SalesLossMit"><![CDATA[ Calculate Borrower Fees ]]></Message>
885
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="10" PriorTo="16" Visibility="False" Critical="False" Responsible="PS-ModUW"><![CDATA[ Full UW, Upload Additional Documentation from Borrower ]]></Message>
886
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="11" PriorTo="23" Visibility="False" Critical="False" Responsible="PS-ModUW"><![CDATA[ Obtain Servicer/Investor Approval ]]></Message>
887
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="12" PriorTo="23" Visibility="False" Critical="False" Responsible="PS-ModUW"><![CDATA[ Obtain Committee Approval ]]></Message>
888
+ <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>
889
+ <Message Type="Condition" RuleId="9850" RulesetId="30" Id="14" PriorTo="8" Visibility="False" Critical="False"><![CDATA[ Portfolio Manager / Loan Officer generate Approval Letter ]]></Message>
890
+ <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>
891
+ <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>
892
+ <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>
893
+ <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>
894
+ </Messages>
895
+ <DerivedParameters>
896
+ <DPM Name="Decision Date" Type="DSM" Order="0" ProductType="2">4/22/2010</DPM>
897
+ <DPM Name="Current Unpaid Balance" Type="DSM" Order="0" ProductType="4">382650.95</DPM>
898
+ <DPM Name="NPV" Type="DSM" Order="0" ProductType="4">114370.73</DPM>
899
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
900
+ <DPM Name="Interest Rate After Modification" Type="DSM" Order="0" ProductType="4">4</DPM>
901
+ <DPM Name="Modified Cash Flow Term 12" Type="DSM" Order="0" ProductType="4">25586.59</DPM>
902
+ <DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">4</DPM>
903
+ <DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
904
+ <DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
905
+ <DPM Name="Amortization Term After Modification" Type="DSM" Order="0" ProductType="4">60</DPM>
906
+ <DPM Name="Modified Cash Flow Term 1" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
907
+ <DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
908
+ <DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
909
+ <DPM Name="affordablePayment" Type="DSM" Order="0" ProductType="4">675</DPM>
910
+ <DPM Name="Proposed Interest Rate-DPM" Type="DSM" Order="0" ProductType="4">4</DPM>
911
+ <DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
912
+ <DPM Name="Modified Cash Flow Term 24" Type="DSM" Order="0" ProductType="4">51173.18</DPM>
913
+ <DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">4</DPM>
914
+ <DPM Name="Display Grid" Type="DSM" Order="0" ProductType="6">Y</DPM>
915
+ <DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="4">475</DPM>
916
+ <DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="4">5500.12</DPM>
917
+ <DPM Name="Unpaid Principal Balance After Modification" Type="DSM" Order="0" ProductType="4">382650.95</DPM>
918
+ <DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">274</DPM>
919
+ <DPM Name="Proposed Payment" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
920
+ <DPM Name="Principal And Interest Payment After Modification" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
921
+ <DPM Name="Proposed UPB" Type="DSM" Order="0" ProductType="4">382650.95</DPM>
922
+ <DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
923
+ <DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">274</DPM>
924
+ <DPM Name="NPV Mod Rate Term" Type="DSM" Order="0" ProductType="4">114370.73</DPM>
925
+ <DPM Name="Rank" Type="DSM" Order="0" ProductType="4">1</DPM>
926
+ <DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="4">2132.22</DPM>
927
+ <DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="4">2000</DPM>
928
+ <DPM Name="Term" Type="DPM" Order="0" ProductType="4">1826</DPM>
929
+ <DPM Name="Todays Date" Type="DPM" Order="0" ProductType="2">4/22/2010</DPM>
930
+ <DPM Name="modRateTermRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
931
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
932
+ <DPM Name="loanAmount" Type="DPM" Order="0" ProductType="4">377150.83</DPM>
933
+ <DPM Name="proposedFrontDTI" Type="DPM" Order="0" ProductType="4">112.86</DPM>
934
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
935
+ <DPM Name="modForbearPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
936
+ <DPM Name="tmpTerm" Type="DPM" Order="0" ProductType="4">300</DPM>
937
+ <DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
938
+ <DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
939
+ <DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
940
+ <DPM Name="MSA Title" Type="DPM" Order="0" ProductType="6">Pacific</DPM>
941
+ <DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">ShortTerm</DPM>
942
+ <DPM Name="Discount Rate Actual" Type="DPM" Order="0" ProductType="4">4.5</DPM>
943
+ <DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
944
+ <DPM Name="modSAMRate" Type="DPM" Order="0" ProductType="4">4</DPM>
945
+ <DPM Name="NPV Temp" Type="DPM" Order="0" ProductType="4">114370.73</DPM>
946
+ <DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">274</DPM>
947
+ <DPM Name="modForbearUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
948
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">DPUDS</DPM>
949
+ <DPM Name="modRateTermUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
950
+ <DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">274</DPM>
951
+ <DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
952
+ <DPM Name="Current Month" Type="DPM" Order="0" ProductType="4">4</DPM>
953
+ <DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
954
+ <DPM Name="target1FailedFloorRate" Type="DPM" Order="0" ProductType="4">4</DPM>
955
+ <DPM Name="modForgiveUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
956
+ <DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
957
+ <DPM Name="forgiveOverrideAmount" Type="DPM" Order="0" ProductType="4">0</DPM>
958
+ <DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">80</DPM>
959
+ <DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="4">0</DPM>
960
+ <DPM Name="modForgivePaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
961
+ <DPM Name="modSAMTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
962
+ <DPM Name="YearQuarterNo" Type="DPM" Order="0" ProductType="6">2012Q2</DPM>
963
+ <DPM Name="Division Name" Type="DPM" Order="0" ProductType="6">Pacific</DPM>
964
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">76.97</DPM>
965
+ <DPM Name="Capitalized UPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
966
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
967
+ <DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="4">1350</DPM>
968
+ <DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
969
+ <DPM Name="modForgivePayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
970
+ <DPM Name="modRateTermPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
971
+ <DPM Name="Months in Default" Type="DPM" Order="0" ProductType="4">4</DPM>
972
+ <DPM Name="rateTermSucceededFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
973
+ <DPM Name="modForgiveTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
974
+ <DPM Name="Calc4" Type="DPM" Order="0" ProductType="4">0</DPM>
975
+ <DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="4">25</DPM>
976
+ <DPM Name="Calc1" Type="DPM" Order="0" ProductType="4">1.252</DPM>
977
+ <DPM Name="Current Payment" Type="DPM" Order="0" ProductType="4">2147.32</DPM>
978
+ <DPM Name="targetBeFailedTargetPayment" Type="DPM" Order="0" ProductType="4">1350</DPM>
979
+ <DPM Name="Temp Number" Type="DPM" Order="0" ProductType="4">3</DPM>
980
+ <DPM Name="Max Forgive Principle" Type="DPM" Order="0" ProductType="4">0</DPM>
981
+ <DPM Name="modForgiveTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
982
+ <DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
983
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
984
+ <DPM Name="Todays Day" Type="DPM" Order="0" ProductType="6">22</DPM>
985
+ <DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">2</DPM>
986
+ <DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">274</DPM>
987
+ <DPM Name="forbearDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM>
988
+ <DPM Name="Future HPI" Type="DPM" Order="0" ProductType="4">100.55</DPM>
989
+ <DPM Name="interest" Type="DPM" Order="0" ProductType="4">4.375</DPM>
990
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">0</DPM>
991
+ <DPM Name="modSAMTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
992
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
993
+ <DPM Name="target1FailedTargetPayment" Type="DPM" Order="0" ProductType="4">675</DPM>
994
+ <DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
995
+ <DPM Name="Forbearance Amount" Type="DPM" Order="0" ProductType="4" />
996
+ <DPM Name="modSAMPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
997
+ <DPM Name="Future Month" Type="DPM" Order="0" ProductType="4">4</DPM>
998
+ <DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">4</DPM>
999
+ <DPM Name="Min UPB" Type="DPM" Order="0" ProductType="4">0</DPM>
1000
+ <DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
1001
+ <DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
1002
+ <DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
1003
+ <DPM Name="forgiveDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM>
1004
+ <DPM Name="YearCurrentQuarter" Type="DPM" Order="0" ProductType="6">2010Q2</DPM>
1005
+ <DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1006
+ <DPM Name="Foreclosure Hold Time" Type="DPM" Order="0" ProductType="4">10.64</DPM>
1007
+ <DPM Name="Calc3" Type="DPM" Order="0" ProductType="4">0.005</DPM>
1008
+ <DPM Name="Calc2" Type="DPM" Order="0" ProductType="4">536.883</DPM>
1009
+ <DPM Name="modRateTermTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
1010
+ <DPM Name="modForbearTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM>
1011
+ <DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
1012
+ <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>
1013
+ <DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">3/1/2033</DPM>
1014
+ <DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable</DPM>
1015
+ <DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
1016
+ <DPM Name="targetBeFailedPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1017
+ <DPM Name="forbearFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
1018
+ <DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
1019
+ <DPM Name="modRateTermTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
1020
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="4">2257.22</DPM>
1021
+ <DPM Name="Discount Rate" Type="DPM" Order="0" ProductType="4">0.004</DPM>
1022
+ <DPM Name="Payment" Type="DPM" Order="0" ProductType="4">0</DPM>
1023
+ <DPM Name="forbearOverrideAmount" Type="DPM" Order="0" ProductType="4">0</DPM>
1024
+ <DPM Name="modRateTermUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1025
+ <DPM Name="modForbearUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1026
+ <DPM Name="target1FailedPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1027
+ <DPM Name="Future Year" Type="DPM" Order="0" ProductType="6">2012</DPM>
1028
+ <DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
1029
+ <DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
1030
+ <DPM Name="modForbearTerm" Type="DPM" Order="0" ProductType="4">60</DPM>
1031
+ <DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1032
+ <DPM Name="Current Year" Type="DPM" Order="0" ProductType="4">2010</DPM>
1033
+ <DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
1034
+ <DPM Name="Current UPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1035
+ <DPM Name="Payment Date" Type="DPM" Order="0" ProductType="2">4/22/2015</DPM>
1036
+ <DPM Name="Target Payment" Type="DPM" Order="0" ProductType="4">475</DPM>
1037
+ <DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
1038
+ <DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">3</DPM>
1039
+ <DPM Name="Borrower Contribution" Type="DPM" Order="0" ProductType="4">0</DPM>
1040
+ <DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
1041
+ <DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4</DPM>
1042
+ <DPM Name="Future Quarter" Type="DPM" Order="0" ProductType="6">Q2</DPM>
1043
+ <DPM Name="modForgiveRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
1044
+ <DPM Name="overrideStepRateTerm" Type="DPM" Order="0" ProductType="6">N</DPM>
1045
+ <DPM Name="Max UPB" Type="DPM" Order="0" ProductType="4">0</DPM>
1046
+ <DPM Name="modSAMPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1047
+ <DPM Name="modForbearRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1048
+ <DPM Name="modSAMUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1049
+ <DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="4">125</DPM>
1050
+ <DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
1051
+ <DPM Name="Current HPI" Type="DPM" Order="0" ProductType="4">98.09</DPM>
1052
+ <DPM Name="Global Parameter" Type="DPM" Order="0" ProductType="4">1</DPM>
1053
+ <DPM Name="modSAMRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
1054
+ <DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">1</DPM>
1055
+ <DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1056
+ <DPM Name="proposedBackDTI" Type="DPM" Order="0" ProductType="4">114.11</DPM>
1057
+ <DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="4">150</DPM>
1058
+ <DPM Name="REO Hold Time" Type="DPM" Order="0" ProductType="4">7</DPM>
1059
+ <DPM Name="Status" Type="DPM" Order="0" ProductType="1">False</DPM>
1060
+ <DPM Name="samFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
1061
+ <DPM Name="Foreclosure Hold Time No Mod" Type="DPM" Order="0" ProductType="4">18</DPM>
1062
+ <DPM Name="Current Quarter" Type="DPM" Order="0" ProductType="6">Q2</DPM>
1063
+ <DPM Name="Future Date" Type="DPM" Order="0" ProductType="2">4/22/2012</DPM>
1064
+ <DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1065
+ <DPM Name="modForgiveRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1066
+ <DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1067
+ <DPM Name="Temp String" Type="DPM" Order="0" ProductType="6">22/2012 12:00:00 AM</DPM>
1068
+ <DPM Name="propertyValue" Type="DPM" Order="0" ProductType="4">490000</DPM>
1069
+ <DPM Name="modForgiveUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1070
+ <DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">97.38</DPM>
1071
+ <DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
1072
+ <DPM Name="State of the Subject Property" Type="DPM" Order="0" ProductType="6">CA</DPM>
1073
+ <DPM Name="forgiveFlag" Type="DPM" Order="0" ProductType="6">N</DPM>
1074
+ <DPM Name="modForbearPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1075
+ <DPM Name="modForbearRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM>
1076
+ <DPM Name="modSAMUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM>
1077
+ <DPM Name="REO Foreclosure Expense Percentage" Type="DPM" Order="0" ProductType="4">0.02</DPM>
1078
+ <DPM Name="samDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM>
1079
+ <DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
1080
+ <DPM Name="modRateTermRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1081
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
1082
+ <DPM Name="tempMsg" Type="DPM" Order="0" ProductType="6">-- Months In Default: 4</DPM>
1083
+ <DPM Name="targetBeFailedFloorRate" Type="DPM" Order="0" ProductType="4">4</DPM>
1084
+ <DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">4</DPM>
1085
+ <DPM Name="tempForbearAmount" Type="DPM" Order="0" ProductType="4" />
1086
+ <DPM Name="REO Foreclosure Time" Type="DPM" Order="0" ProductType="4">24</DPM>
1087
+ <DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
1088
+ <DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
1089
+ <DPM Name="modRateTermPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM>
1090
+ <DPM Name="YearFutureQuarter" Type="DPM" Order="0" ProductType="6">2012Q2</DPM>
1091
+ <DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
1092
+ <DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
1093
+ <DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">4.375</DPM>
1094
+ <DPM Name="Current Quarter No." Type="DPM" Order="0" ProductType="4">2</DPM>
1095
+ </DerivedParameters>
1096
+ </Decision>
1097
+
1098
+ *********************************************************************************************************
1099
+ ************************************ Next Decision ****************************************************
1100
+ *********************************************************************************************************
1101
+
1102
+ -------------Application XML-------------
1103
+
1104
+ <DECISION_REQUEST><APPLICATION ApplicationID="6928" OrganizationID="10" CreatedDate="04/21/2010" ModifiedDate="04/22/2010" Summary="Batch Upload Application" StateID="3" State="00-New" User="DataUploadImpac" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="43" UserName="Data Upload" OrganizationName="Data Upload" ForwardDate="04/22/2010" UDFStr1="Detailed" UDFStr11="ModRate:3.5 ModTerm:60 ModPmt:0 ModLoanBal0 ModDLQStatus: MOSStatus:(720) Submitted to Servicer/Investor for Docs" UDFStr12="she lost her main source of income and is living off of the money she does on the side which is website design jobs for her own business. most of the money she made was from her job she was laid off on." ManualCredit="N" UserTypeId="" Source="Internal" ActName="Impac Companies" InBankruptcy="N" FrontRatio="0.0000" BackRatio="0.0000" BankruptcyReaffirmation="N" HideMessages="N" CalculatedCSPMonthlyGrossIncome="2000.0000" CalculatedVerifiedGrossIncome="0.0000" IncomeTolerance="25.0000" OriginalFICO="674"><ORGANIZATION OrganizationID="10" APP_ORG_ID="10" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="43" APP_USER_ID="43" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="3003/New Business" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="Data Upload" SubmittedOrganization="Data Upload" SubmittedOrigin="Internal"/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Data" LastName="Upload" OrganizationName="Data Upload" OriginType="Internal" UserType="Originator" UserID="43" ATM_ID="6975"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" 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ProductType="4">4</DPM><DPM Name="NPV Temp" Type="DPM" Order="0" ProductType="4">114370.73</DPM><DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">274</DPM><DPM Name="modForbearUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">DPUDS</DPM><DPM Name="modRateTermUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">274</DPM><DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM><DPM Name="Current Month" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM><DPM Name="target1FailedFloorRate" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="modForgiveUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM><DPM Name="forgiveOverrideAmount" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">80</DPM><DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="modForgivePaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="modSAMTerm" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="YearQuarterNo" Type="DPM" Order="0" ProductType="6">2012Q2</DPM><DPM Name="Division Name" Type="DPM" Order="0" ProductType="6">Pacific</DPM><DPM Name="LTV" Type="DPM" Order="0" ProductType="4">76.97</DPM><DPM Name="Capitalized UPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM><DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="4">1350</DPM><DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM><DPM Name="modForgivePayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="modRateTermPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="Months in Default" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="rateTermSucceededFlag" Type="DPM" Order="0" ProductType="6">N</DPM><DPM Name="modForgiveTerm" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="Calc4" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="4">25</DPM><DPM Name="Calc1" Type="DPM" Order="0" ProductType="4">1.252</DPM><DPM Name="Current Payment" Type="DPM" Order="0" ProductType="4">2147.32</DPM><DPM Name="targetBeFailedTargetPayment" Type="DPM" Order="0" ProductType="4">1350</DPM><DPM Name="Temp Number" Type="DPM" Order="0" ProductType="4">3</DPM><DPM Name="Max Forgive Principle" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="modForgiveTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM><DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM><DPM Name="Todays Day" Type="DPM" Order="0" ProductType="6">22</DPM><DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">2</DPM><DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">274</DPM><DPM Name="forbearDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM><DPM Name="Future HPI" Type="DPM" Order="0" ProductType="4">100.55</DPM><DPM Name="interest" Type="DPM" Order="0" ProductType="4">4.375</DPM><DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="modSAMTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM><DPM Name="target1FailedTargetPayment" Type="DPM" Order="0" ProductType="4">675</DPM><DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM><DPM Name="Forbearance Amount" Type="DPM" Order="0" ProductType="4" /><DPM Name="modSAMPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="Future Month" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Min UPB" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM><DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM><DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="forgiveDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM><DPM Name="YearCurrentQuarter" Type="DPM" Order="0" ProductType="6">2010Q2</DPM><DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="Foreclosure Hold Time" Type="DPM" Order="0" ProductType="4">10.64</DPM><DPM Name="Calc3" Type="DPM" Order="0" ProductType="4">0.005</DPM><DPM Name="Calc2" Type="DPM" Order="0" ProductType="4">536.883</DPM><DPM Name="modRateTermTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="modForbearTermTmp" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM><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><DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">3/1/2033</DPM><DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable</DPM><DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM><DPM Name="targetBeFailedPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="forbearFlag" Type="DPM" Order="0" ProductType="6">N</DPM><DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM><DPM Name="modRateTermTerm" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="4">2257.22</DPM><DPM Name="Discount Rate" Type="DPM" Order="0" ProductType="4">0.004</DPM><DPM Name="Payment" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="forbearOverrideAmount" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="modRateTermUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="modForbearUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="target1FailedPayment" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="Future Year" Type="DPM" Order="0" ProductType="6">2012</DPM><DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM><DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM><DPM Name="modForbearTerm" Type="DPM" Order="0" ProductType="4">60</DPM><DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="Current Year" Type="DPM" Order="0" ProductType="4">2010</DPM><DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM><DPM Name="Current UPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="Payment Date" Type="DPM" Order="0" ProductType="2">4/22/2015</DPM><DPM Name="Target Payment" Type="DPM" Order="0" ProductType="4">475</DPM><DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM><DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">3</DPM><DPM Name="Borrower Contribution" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM><DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Future Quarter" Type="DPM" Order="0" ProductType="6">Q2</DPM><DPM Name="modForgiveRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="overrideStepRateTerm" Type="DPM" Order="0" ProductType="6">N</DPM><DPM Name="Max UPB" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="modSAMPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="modForbearRate" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="modSAMUPBTmp" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="4">125</DPM><DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM><DPM Name="Current HPI" Type="DPM" Order="0" ProductType="4">98.09</DPM><DPM Name="Global Parameter" Type="DPM" Order="0" ProductType="4">1</DPM><DPM Name="modSAMRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">1</DPM><DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="proposedBackDTI" Type="DPM" Order="0" ProductType="4">114.11</DPM><DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="4">150</DPM><DPM Name="REO Hold Time" Type="DPM" Order="0" ProductType="4">7</DPM><DPM Name="Status" Type="DPM" Order="0" ProductType="1">False</DPM><DPM Name="samFlag" Type="DPM" Order="0" ProductType="6">N</DPM><DPM Name="Foreclosure Hold Time No Mod" Type="DPM" Order="0" ProductType="4">18</DPM><DPM Name="Current Quarter" Type="DPM" Order="0" ProductType="6">Q2</DPM><DPM Name="Future Date" Type="DPM" Order="0" ProductType="2">4/22/2012</DPM><DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="modForgiveRate" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM><DPM Name="Temp String" Type="DPM" Order="0" ProductType="6">22/2012 12:00:00 AM</DPM><DPM Name="propertyValue" Type="DPM" Order="0" ProductType="4">490000</DPM><DPM Name="modForgiveUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">97.38</DPM><DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM><DPM Name="State of the Subject Property" Type="DPM" Order="0" ProductType="6">CA</DPM><DPM Name="forgiveFlag" Type="DPM" Order="0" ProductType="6">N</DPM><DPM Name="modForbearPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="modForbearRateTmp" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="modSAMUPB" Type="DPM" Order="0" ProductType="4">382650.95</DPM><DPM Name="REO Foreclosure Expense Percentage" Type="DPM" Order="0" ProductType="4">0.02</DPM><DPM Name="samDecision" Type="DPM" Order="0" ProductType="6">Fail</DPM><DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM><DPM Name="modRateTermRate" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM><DPM Name="tempMsg" Type="DPM" Order="0" ProductType="6">-- Months In Default: 4</DPM><DPM Name="targetBeFailedFloorRate" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">4</DPM><DPM Name="tempForbearAmount" Type="DPM" Order="0" ProductType="4" /><DPM Name="REO Foreclosure Time" Type="DPM" Order="0" ProductType="4">24</DPM><DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM><DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM><DPM Name="modRateTermPaymentTmp" Type="DPM" Order="0" ProductType="4">2132.22</DPM><DPM Name="YearFutureQuarter" Type="DPM" Order="0" ProductType="6">2012Q2</DPM><DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM><DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM><DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">4.375</DPM><DPM Name="Current Quarter No." Type="DPM" Order="0" ProductType="4">2</DPM></DerivedParameters ></Decision ></LOAN_DECISIONS>
1105
+ </DECISION_REQUEST>
1106
+
1107
+
1108
+
1109
+ ----------------------------------
1110
+
1111
+ <Rules> <Rule Name="ShowSummaryScreen" Id="357" ConditionResult="True">
1112
+ <DPM Name="Show Summary Screen Type" Type="DPM">Detailed</DPM>
1113
+ </Rule>
1114
+ </Rules>
1115
+
1116
+
1117
+
1118
+ -------------Decision Response XML-------------
1119
+
1120
+ <Decision GuidelineId="8" GuidelineName="Loan Post Processing Guideline" Rulecount="0" ExecutionTime="4/22/2010 5:55:20 PM" ExecutionResult="True">
1121
+ <DerivedParameters>
1122
+ <DPM Name="Show Summary Screen Type" Type="DSM" Order="0" ProductType="6">Detailed</DPM>
1123
+ </DerivedParameters>
1124
+ </Decision>
1125
+
1126
+ *********************************************************************************************************
1127
+ ************************************ Next Decision ****************************************************
1128
+ *********************************************************************************************************