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.decision.txt ADDED
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+ ****CalculateAppParam: Application InputXML
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+
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+ <DECISION_REQUEST><APPLICATION ApplicationID="2" OrganizationID="2" CreatedDate="02/25/2010" ModifiedDate="03/12/2010" Summary="Batch Upload Application" StateID="3" State="00-New" User="Admin" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="2" UserName="CV Admin User" OrganizationName="Impac Companies" ForwardDate="03/08/2010" ManualCredit="N" UserTypeId="" Source="Internal" ActName="Impac Companies" InBankruptcy="N" BankruptcyStatus="None" BankruptcyReaffirmation="N" BorrowerTotalMonthlyObligations="550.0000" HideMessages="N" CSPMonthlyGrossIncome="1664.0000" VerifiedGrossIncome="1664.0000" CalculatedCSPMonthlyGrossIncome="1664.0000" CalculatedVerifiedGrossIncome="1664.0000" IncomeTolerance="25.0000"><ORGANIZATION OrganizationID="2" APP_ORG_ID="2" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""/><USER UserID="2" APP_USER_ID="2" IsSupervisor="1" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser=""/><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="CV Admin" LastName="User" OrganizationName="Impac Companies" OriginType="Internal" UserType="Originator" UserID="2" ATM_ID="2"><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" ATM_USER_ID="2" OrganizationID="2"/></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="3" FirstName="Homer" LastName="Simpson" Telephone="714-338-7152" IsPrimary="Y" Score="0" ForeignNationalIndicator="N" App1003ID="2" APA_1003_PRIMARY="1" BestContactTime="8:00 PM" BestContactNumber="(714) 338-7152"><EMPLOYMENTS><EMPLOYMENT EmploymentID="5" IsSelfEmployed="N" Type="Primary" Months="48" CurrentType="WageEarner" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="7" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="3" AddressL1="Any Street" City="Irvine" IsPresent="Y" Region="CA" Country="US" HouseNumber="123" IsMailing="N"/></RESIDENCES></APPLICANT><APPLICANT BorrowerID="4" FirstName="Marge" LastName="Simpson" IsPrimary="N" Score="0" ForeignNationalIndicator="N" App1003ID="2" APA_1003_PRIMARY="0"><EMPLOYMENTS><EMPLOYMENT EmploymentID="6" IsSelfEmployed="N" Type="Primary" Months="0" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/><EMPLOYMENT EmploymentID="8" IsSelfEmployed="N" Type="Previous" EPM_ISRELATIVE_FLAG="0" Retired="0" W2="Y"/></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="4" IsPresent="Y" IsMailing="N"/></RESIDENCES></APPLICANT></APPLICANTS><ASSETS/><EXPENSES><EXPENSE ExpenseID="4" Amount="0.0000" IsCurrent="Y" Type="HomeownerAssociationDues" BorrowerID="3" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></EXPENSE><EXPENSE ExpenseID="5" Amount="120.0000" IsCurrent="Y" Type="HazardInsurance" BorrowerID="3" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></EXPENSE><EXPENSE ExpenseID="6" Amount="80.0000" IsCurrent="Y" Type="RealEstateTaxes" BorrowerID="3" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></EXPENSE><EXPENSE ExpenseID="30" Amount="11.0000" IsCurrent="Y" Type="CableSatelliteInternet" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="31" Amount="400.0000" IsCurrent="Y" Type="Food" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="32" Amount="75.0000" IsCurrent="Y" Type="WaterSewer" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="33" Amount="150.0000" IsCurrent="Y" Type="Electricity" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="34" Amount="1400.0000" IsCurrent="Y" Type="FirstMortgagePAndI" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="35" Amount="400.0000" IsCurrent="Y" Type="TelephoneCellPhone" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="36" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="37" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="38" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="39" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="Y"/><EXPENSE ExpenseID="40" Amount="500.0000" IsCurrent="Y" Type="Other" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="41" Amount="50.0000" IsCurrent="Y" Type="FloodInsurance" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="42" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="43" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="44" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="45" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="N"/><EXPENSE ExpenseID="46" Amount="0.0000" IsCurrent="Y" UnpaidBalance="0.0000" IsDiscretionary="N"/></EXPENSES><INCOMES><INCOME IncomeID="16" Amount="0.0000" Type="Alimony" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="17" Amount="1664.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="18" Amount="111.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="6" IsVerified="1" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="19" Amount="222.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="1" IsVerified="1" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="20" Amount="333.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="8" IsVerified="1" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="21" Amount="4444.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="7" IsVerified="1" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="22" Amount="0.0000" Type="Other" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="23" Amount="0.0000" Type="Overtime" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="24" Amount="0.0000" Type="PensionOrRetirementIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="25" Amount="0.0000" Type="NetRentalIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="26" Amount="0.0000" Type="SelfEmploymentIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="27" Amount="0.0000" Type="SocialSecurityOrDisabilityIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="28" Amount="0.0000" Type="TipsOrGratuities" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="29" Amount="0.0000" Type="TrustIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="30" Amount="0.0000" Type="UnemploymentOrWelfareIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="31" Amount="0.0000" Type="Bonuses" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="32" Amount="0.0000" Type="ChildSupport" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="33" Amount="0.0000" Type="Commissions" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME><INCOME IncomeID="34" Amount="0.0000" Type="DividendsOrInterest" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" BorrowerID="3"><APPLICANTS><APPLICANT ApplicantIDREF="3" IsPrimary="Y"/></APPLICANTS></INCOME></INCOMES><PARAMETERS><PPM Name="CurrentMonthlyRent" Value="950"/><PPM Name="NumberOfOffers" Value="0"/><PPM Name="HOAPastDueAmount" Value="750.00"/><PPM Name="HOAorManagementCompany" Value="Rentals R Us Mgmt Co."/><PPM Name="LeaseExpirationDate" Value="12/31/2010"/><PPM Name="TenantPhone" Value="(714) 338-7152"/><PPM Name="TenantName" Value="Joe Shmoe"/><PPM Name="ManualCredit" Value="Y"/><PPM Name="ManualCredit" Value="Y"/></PARAMETERS><LOANS><LOAN LoanID="2" Amount="100000.0000" Rate="17.5000" LienNumber="1" ComboFlag="N" LienType="1st" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="Unknown" CurrentStage="S300-Listed" PI="1466.3300" OriginalLoanAmount="100000.0000" SellerLoanNumber="123456789" MortgageType="ConventionalwithPMI" OpenConditionCount="3" OpenConditionPriorToProcessingCount="0" OpenConditionPriorToSubmissionCount="0" OpenConditionPriorToQualificationCount="0" OpenConditionPriorToTrialPeriodCount="3" OpenConditionPriorToLoanModificationCount="0" OpenConditionPriorToOversightCount="0" IOIndicator="N" RemainingOriginalTerm="0" MaturityDate="01/01/2038" NoteResetRate="0.0000" NoteDate="01/01/2008" LastPaidInstallmentDate="11/30/2009" ProductBeforeMod="FixedRate" OriginalRate="10.12500" PurchaserType="Private" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" LTVAtOrigination="85.0000" PriorLoanMod="N" ImminentDefaultFlag="N" TimeInCurrentStage="5567"><DEFAULT ReasonForDefault="Deathofborrowerfamilymember" BorrowerIntent="ContinuetoOwntheHomeandLiveinit" MonthsInDefault="3" DelinquencyStatus="120DaysDelinquent" AbilityToResumeCurrentMtgPmt="N" DQESCROW="0.0000" DQFEES="0.0000" DQInterest="0.0000"/><INVESTOR/><SERVICER/><LISTINGAGENT ListingAgentFirstName="Mary" ListingAgentLastName="Jones" ListingAgentContact="714-338-7152" DatePropertyListed="01/01/2010"/><AFTERMOD/><OTHERLOAN InvestorName="Wells Fargo" LoanAmount="29000.0000" IOIndicator="N"/><OVERRIDES/><TASKS><TASK TaskID="1" TaskDefinitionID="2" TaskStage="00-New" Name="Get Borrower Income" Status="Incomplete" StatusUser="CV Admin" StatusDateTime="03/11/2010"/><TASK TaskID="2" TaskDefinitionID="1" TaskStage="S200-Pre-Marketing" Name="Enter in Transaction Summary Data"/></TASKS></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="2" AddressL1="108" AddressL2="Loma Media" City="Santa Barbara" PostalCode="93103" RegionValue="CA" Units="1" RealEstateType="SingleFamily" HomeOwnershipType="PrimaryResidence" LoanID="2" NonWarrantableCondo="0" HomeOwnershipTypeID="1" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="Y" Listed="Y" CurrentListingPrice="130000.0000" Condition="Fair" OccupancyStatus="BorrowerOccupied" CurrentMonthlyRent="1050.0000" LeaseExpirationDate="07/01/2010" HOAorManagementCompanyName="Merrit Property Mgmt" HOAPastDueAmount="590.0000" TenantName="Homer Simpson" TenantPhone="714-338-7152" TenantCooperation="Y" PermissionToContactAgent="N" HOAorManagementCompany="Y"><COUNTIES><COUNTY StateCode="06" State="CA" CountyCode="083" CountyName="Santa Barbara County" CBSACode="42060" CBSATitle="Santa Barbara-Santa Maria-Goleta CA" CBSALSAD="Metropolitan Statistical Area"/></COUNTIES><VALUATION Type="AutomatedValuationModel" Date="02/28/2010" AsIsValue="125000.0000"/><SHORTSALE/></COLLATERAL></COLLATERALS></APPLICATION></DECISION_REQUEST>
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+
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+
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+ ****Product XML
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+
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+ <PRODUCTS><PRODUCT ProductID="2" Name="Mod-Forbear" Program="IMPC Mod-Forbear" ProgramDisplayName="IMPC Mod-Forbear" ProgramID="2" Rate="0.0000" MortgageTypeID="1" Description="Mod-Forbear" Duration="360" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="2" GuidelineName="Impac" UWGuidelineID="2" UWGuidelineName="Impac" POSGuidelineName="Impac" AUSSource="CQDS" /></PRODUCTS>
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+
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+
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+ PRIMARY PARAMETER VALUES***********Output XML*******
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+ <PARAMS><_DATA_SET _Name='TOTAL VERIFIED SEMIMONTHLY INCOME' _Value='333'/><_DATA_SET _Name='DQ INTEREST' _Value='0'/><_DATA_SET _Name='TOTAL VERIFIED BIWEEKLY INCOME' _Value='222'/><_DATA_SET _Name='LOAN AMOUNT' _Value='100000'/><_DATA_SET _Name='MORTGAGE OWNER' _Value='Private'/><_DATA_SET _Name='PRESENT MONTHLY RENT' _Value='0'/><_DATA_SET _Name='PRESENT OTHER FINANCING P AND I' _Value='0'/><_DATA_SET _Name='PROGRAM NAME' _Value='IMPC Mod-Forbear'/><_DATA_SET _Name='PROPERTY VALUATION TYPE' _Value='AutomatedValuationModel'/><_DATA_SET _Name='PRESENT OTHER HOUSING EXPENSES' _Value='500'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='TOTAL VERIFIED WEEKLY INCOME' _Value='111'/><_DATA_SET _Name='TOTAL VERIFIED ANNUAL INCOME' _Value='4444'/><_DATA_SET _Name='PRESENT MORTGAGE INSURANCE' _Value='0'/><_DATA_SET _Name='BORROWER INTENT' _Value='ContinuetoOwntheHomeandLiveinit'/><_DATA_SET _Name='CSP PRINCIPAL FORBEARANCE AMOUNT' _Value=''/><_DATA_SET _Name='PRESENT HOMEOWNER ASSN. DUES' _Value='0'/><_DATA_SET _Name='LIEN NUMBER' _Value='1'/><_DATA_SET _Name='TODAYS DATE' _Value='3/12/2010 12:00:00 AM'/><_DATA_SET _Name='IR' _Value='17.5'/><_DATA_SET _Name='LTV AT ORIGINATION' _Value='85'/><_DATA_SET _Name='MATURITY DATE' _Value='1/1/2038 12:00:00 AM'/><_DATA_SET _Name='PRESENT REAL ESTATE TAXES' _Value='80'/><_DATA_SET _Name='DELINQUENCY STATUS' _Value='120DaysDelinquent'/><_DATA_SET _Name='PRESENT HAZARD INSURANCE' _Value='120'/><_DATA_SET _Name='PRESENT FLOOD INSURANCE' _Value='50'/></PARAMS>
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+ **********Primary Parameters Ends at 3/12/2010 11:43:33 AM**********
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+
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+ ******Guideline****************
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+
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+ <Guideline Id=2 Name= Version=0/>
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+
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+ <Rules> <Rule Name="IMPC Initialization PLK.1" Id="1437" ConditionResult="True">
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+ <DPM Name="Lien Number" Type="DPM">1</DPM>
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+ <DPM Name="Future Income" Type="DPM">Improve</DPM>
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+ <DPM Name="Hardship Severity" Type="DPM">Moderate</DPM>
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+ <DPM Name="Hardship Term" Type="DPM">Short Term</DPM>
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+ <DPM Name="Gross Target DTI1" Type="DPM">0</DPM>
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+ <DPM Name="Gross Target DTI2" Type="DPM">0</DPM>
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+ <DPM Name="Backend Target DTI" Type="DPM">0</DPM>
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+ <DPM Name="Decision" Type="DPM">Pass</DPM>
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+ <DPM Name="Rate Matrix Group" Type="DPM">0</DPM>
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+ <DPM Name="Min LTV" Type="DPM">0</DPM>
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+ <DPM Name="Max LTV" Type="DPM">0</DPM>
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+ <DPM Name="Min CLTV" Type="DPM">0</DPM>
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+ <DPM Name="Max CLTV" Type="DPM">0</DPM>
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+ <DPM Name="Min UPB" Type="DPM">0</DPM>
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+ <DPM Name="Max UPB" Type="DPM">0</DPM>
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+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
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+ <DPM Name="Motivation" Type="DPM">ContinuetoOwntheHomeandLiveinit</DPM>
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+ <DPM Name="Months Delinquent" Type="DPM">0</DPM>
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+ <DPM Name="Current Occupancy" Type="DPM">PrimaryResidence</DPM>
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+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
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+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
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+ <DPM Name="Test Backend" Type="DPM">No</DPM>
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+ <DPM Name="Min Rate-RateTerm" Type="DPM">0</DPM>
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+ <DPM Name="Min Rate-Forbear" Type="DPM">0</DPM>
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+ <DPM Name="Min Rate-Forgive" Type="DPM">0</DPM>
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+ <DPM Name="Min Rate-SAM" Type="DPM">0</DPM>
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+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
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+ <DPM Name="Mod Term1" Type="DPM">0</DPM>
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+ <DPM Name="Mod Term2" Type="DPM">0</DPM>
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+ <DPM Name="Term Rate Threshold" Type="DPM">0</DPM>
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+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
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+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
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+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
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+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
54
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
55
+ <DPM Name="Property Type" Type="DPM">SingleFamily</DPM>
56
+ <DPM Name="No of Units" Type="DPM">1</DPM>
57
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
58
+ <DPM Name="Mortgage Owner" Type="DPM">Private</DPM>
59
+ <DPM Name="LTV" Type="DPM">85</DPM>
60
+ <DPM Name="CLTV" Type="DPM">0</DPM>
61
+ <DPM Name="Housing Region" Type="DPM">Stable+</DPM>
62
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
63
+ </Rule>
64
+ <Rule Name="IMPC DelinquencyStatus PLK.1" Id="1535" ConditionResult="False">
65
+ </Rule>
66
+ <Rule Name="IMPC DelinquencyStatus PLK.2" Id="1536" ConditionResult="False">
67
+ </Rule>
68
+ <Rule Name="IMPC DelinquencyStatus PLK.3" Id="1537" ConditionResult="False">
69
+ </Rule>
70
+ <Rule Name="IMPC DelinquencyStatus PLK.4" Id="1538" ConditionResult="False">
71
+ </Rule>
72
+ <Rule Name="IMPC DelinquencyStatus PLK.5" Id="1539" ConditionResult="False">
73
+ </Rule>
74
+ <Rule Name="IMPC DelinquencyStatus PLK.6" Id="1540" ConditionResult="False">
75
+ </Rule>
76
+ <Rule Name="IMPC SetMotivation PLK.1" Id="1529" ConditionResult="False">
77
+ </Rule>
78
+ <Rule Name="IMPC SetMotivation PLK.2" Id="1530" ConditionResult="True">
79
+ <DPM Name="Motivation" Type="DPM">Wish To Stay</DPM>
80
+ </Rule>
81
+ <Rule Name="IMPC SetPropertyValuation PLK.1" Id="1561" ConditionResult="True">
82
+ <DPM Name="Valuation Type" Type="DPM">AVM</DPM>
83
+ </Rule>
84
+ <Rule Name="IMPC SetOccupancy PLK.1" Id="1407" ConditionResult="True">
85
+ <DPM Name="Current Occupancy" Type="DPM">Owner</DPM>
86
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
87
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
88
+ </Rule>
89
+ <Rule Name="IMPC SetProductCode PLK.1" Id="1565" ConditionResult="False">
90
+ </Rule>
91
+ <Rule Name="IMPC SetProductCode PLK.2" Id="1566" ConditionResult="True">
92
+ <DPM Name="Product Code" Type="DPM">3</DPM>
93
+ </Rule>
94
+ <Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="1411" ConditionResult="True">
95
+ <DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
96
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
97
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
98
+ <DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
99
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
100
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
101
+ <DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
102
+ <DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
103
+ <DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
104
+ </Rule>
105
+ <Rule Name="IMPC SetTargetDTIs PLK.1" Id="1574" ConditionResult="True">
106
+ <DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
107
+ <DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
108
+ <DPM Name="Backend Target DTI" Type="DPM">75</DPM>
109
+ </Rule>
110
+ <Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="1541" ConditionResult="False">
111
+ </Rule>
112
+ <Rule Name="IMPC SetRateMatrixGroup PLK.2" Id="1542" ConditionResult="True">
113
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
114
+ <DPM Name="Rate Matrix Group" Type="DPM">2</DPM>
115
+ </Rule>
116
+ <Rule Name="IMPC SetRatesAndTerms PLK.1" Id="1438" ConditionResult="False">
117
+ </Rule>
118
+ <Rule Name="IMPC SetRatesAndTerms PLK.2" Id="1439" ConditionResult="True">
119
+ <DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
120
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
121
+ <DPM Name="Min Rate-RateTerm" Type="DPM">4.5</DPM>
122
+ <DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
123
+ <DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
124
+ <DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
125
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
126
+ <DPM Name="Mod Term1" Type="DPM">60</DPM>
127
+ <DPM Name="Mod Term2" Type="DPM">24</DPM>
128
+ <DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
129
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
130
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
131
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
132
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
133
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
134
+ </Rule>
135
+ <Rule Name="IMPC SetMinRate PLK.1" Id="1577" ConditionResult="False">
136
+ </Rule>
137
+ <Rule Name="IMPC SetMinRate PLK.2" Id="1578" ConditionResult="True">
138
+ <DPM Name="Min Rate" Type="DPM">5</DPM>
139
+ </Rule>
140
+ <Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
141
+ <DPM Name="Maturity Date" Type="DPM">1/1/2038 12:00:00 AM</DPM>
142
+ <DPM Name="today" Type="DPM">3/12/2010 12:00:00 AM</DPM>
143
+ <DPM Name="Remaining Term" Type="DPM">333</DPM>
144
+ </Rule>
145
+ <Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
146
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
147
+ </Rule>
148
+ <Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
149
+ <DPM Name="interest" Type="DPM">17.5</DPM>
150
+ <DPM Name="DQ Interest" Type="DPM">0</DPM>
151
+ </Rule>
152
+ <Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
153
+ </Rule>
154
+ <Rule Name="CalcNewUpb" Id="5" ConditionResult="True">
155
+ <DPM Name="New UPB" Type="DPM">100000</DPM>
156
+ </Rule>
157
+ <Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
158
+ <DPM Name="Monthly Income" Type="DPM">481</DPM>
159
+ <DPM Name="Monthly Income" Type="DPM">851.333333333333</DPM>
160
+ <DPM Name="Monthly Income" Type="DPM">1332.33333333333</DPM>
161
+ <DPM Name="Monthly Income" Type="DPM">1998.33333333333</DPM>
162
+ </Rule>
163
+ <Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
164
+ <DPM Name="Present Monthly Expenses" Type="DPM">750</DPM>
165
+ <DPM Name="Housing Expenses" Type="DPM">250</DPM>
166
+ <DPM Name="Monthly Liabilities" Type="DPM">500</DPM>
167
+ </Rule>
168
+ <Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
169
+ <DPM Name="Target DTI" Type="DPM">40</DPM>
170
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
171
+ </Rule>
172
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
173
+ <DPM Name="Target Payment" Type="DPM">799.333333333333</DPM>
174
+ <DPM Name="Target Payment" Type="DPM">549.333333333333</DPM>
175
+ </Rule>
176
+ <Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
177
+ <DPM Name="Gross Target 1 Payment" Type="DPM">549.333333333333</DPM>
178
+ </Rule>
179
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
180
+ <DPM Name="Goal Payment" Type="DPM">549.333333333333</DPM>
181
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
182
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
183
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
184
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
185
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
186
+ <DPM Name="Status" Type="DPM">True</DPM>
187
+ <DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
188
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
189
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
190
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
191
+ </Rule>
192
+ <Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="False">
193
+ </Rule>
194
+ <Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="False">
195
+ </Rule>
196
+ <Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
197
+ <DPM Name="Gross Target 1 Rate" Type="DPM">5</DPM>
198
+ <DPM Name="Gross Target 1 Payment" Type="DPM">555.866542232696</DPM>
199
+ <DPM Name="Gross Target 1 Term" Type="DPM">333</DPM>
200
+ </Rule>
201
+ <Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
202
+ <DPM Name="Backend DTI" Type="DPM">65.3477835979664</DPM>
203
+ </Rule>
204
+ <Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
205
+ </Rule>
206
+ <Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
207
+ <DPM Name="Backend DTI" Type="DPM">75</DPM>
208
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
209
+ </Rule>
210
+ <Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
211
+ <DPM Name="Target Payment" Type="DPM">1498.75</DPM>
212
+ <DPM Name="Target Payment" Type="DPM">748.75</DPM>
213
+ </Rule>
214
+ <Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
215
+ <DPM Name="Backend Pmt" Type="DPM">748.75</DPM>
216
+ </Rule>
217
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
218
+ <DPM Name="Goal Payment" Type="DPM">748.75</DPM>
219
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
220
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
221
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
222
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
223
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
224
+ <DPM Name="Status" Type="DPM">True</DPM>
225
+ <DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
226
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
227
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
228
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
229
+ </Rule>
230
+ <Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="False">
231
+ </Rule>
232
+ <Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="False">
233
+ </Rule>
234
+ <Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
235
+ <DPM Name="Backend Rate" Type="DPM">8.125</DPM>
236
+ <DPM Name="Backend Term" Type="DPM">333</DPM>
237
+ <DPM Name="Backend Pmt" Type="DPM">757.115361865311</DPM>
238
+ </Rule>
239
+ <Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
240
+ <DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
241
+ </Rule>
242
+ <Rule Name="CalcBalanceFromDTI" Id="1587" ConditionResult="False">
243
+ </Rule>
244
+ <Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
245
+ </Rule>
246
+ <Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
247
+ </Rule>
248
+ <Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
249
+ </Rule>
250
+ <Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
251
+ <DPM Name="Target DTI" Type="DPM">30</DPM>
252
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
253
+ </Rule>
254
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
255
+ <DPM Name="Target Payment" Type="DPM">599.5</DPM>
256
+ <DPM Name="Target Payment" Type="DPM">349.5</DPM>
257
+ </Rule>
258
+ <Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
259
+ <DPM Name="Gross Target 2 Payment" Type="DPM">349.5</DPM>
260
+ </Rule>
261
+ <Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
262
+ <DPM Name="Proposed Rate" Type="DPM">5</DPM>
263
+ <DPM Name="Proposed Pmt" Type="DPM">555.866542232696</DPM>
264
+ </Rule>
265
+ <Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
266
+ </Rule>
267
+ <Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
268
+ </Rule>
269
+ <Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
270
+ <DPM Name="Proposed Term" Type="DPM">60</DPM>
271
+ </Rule>
272
+ <Rule Name="ShowResults" Id="187" ConditionResult="True">
273
+ <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Rate: 5. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Payment: 555.866542232696. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Term: 60. ]]></Message> </Rule>
274
+ </Rules>
275
+ <Decision GuidelineId="2" Rulecount="0" ExecutionTime="3/12/2010 11:43:33 AM" ExecutionResult="True">
276
+ <Messages>
277
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Rate: 5]]></Message>
278
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Payment: 555.866542232696]]></Message>
279
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Term: 60]]></Message>
280
+ </Messages>
281
+ <DerivedParameters>
282
+ <DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">333</DPM>
283
+ <DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="3">757.115361865311</DPM>
284
+ <DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="3">0</DPM>
285
+ <DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">8.125</DPM>
286
+ <DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">333</DPM>
287
+ <DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
288
+ <DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
289
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
290
+ <DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
291
+ <DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
292
+ <DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
293
+ <DPM Name="Proposed Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
294
+ <DPM Name="Proposed Pmt" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
295
+ <DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
296
+ <DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="3">349.5</DPM>
297
+ <DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
298
+ <DPM Name="Target Payment" Type="DPM" Order="0" ProductType="3">349.5</DPM>
299
+ <DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
300
+ <DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
301
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">85</DPM>
302
+ <DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
303
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
304
+ <DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
305
+ <DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4.5</DPM>
306
+ <DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">3</DPM>
307
+ <DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">1/1/2038</DPM>
308
+ <DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">333</DPM>
309
+ <DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
310
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
311
+ <DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
312
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
313
+ <DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
314
+ <DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
315
+ <DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
316
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
317
+ <DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
318
+ <DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
319
+ <DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
320
+ <DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
321
+ <DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
322
+ <DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
323
+ <DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
324
+ <DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="3">748.75</DPM>
325
+ <DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="3">500</DPM>
326
+ <DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
327
+ <DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
328
+ <DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="3">1998.33333333333</DPM>
329
+ <DPM Name="Current UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
330
+ <DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
331
+ <DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
332
+ <DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
333
+ <DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">17.5</DPM>
334
+ <DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="3">750</DPM>
335
+ <DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
336
+ <DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
337
+ <DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
338
+ <DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">333</DPM>
339
+ <DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">333</DPM>
340
+ <DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
341
+ <DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">Short Term</DPM>
342
+ <DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="3">250</DPM>
343
+ <DPM Name="Status" Type="DPM" Order="0" ProductType="1">True</DPM>
344
+ <DPM Name="interest" Type="DPM" Order="0" ProductType="4">17.5</DPM>
345
+ <DPM Name="New UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
346
+ <DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">0</DPM>
347
+ <DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
348
+ <DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
349
+ <DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
350
+ <DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
351
+ <DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
352
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
353
+ <DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
354
+ <DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
355
+ <DPM Name="Min UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
356
+ <DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
357
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
358
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
359
+ <DPM Name="today" Type="DPM" Order="0" ProductType="2">3/12/2010</DPM>
360
+ <DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
361
+ <DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
362
+ <DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
363
+ <DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable+</DPM>
364
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="3">555.866542232696</DPM>
365
+ <DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">2</DPM>
366
+ <DPM Name="Max UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
367
+ <DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
368
+ <DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
369
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="3">805.866542232696</DPM>
370
+ </DerivedParameters>
371
+ </Decision>
372
+
373
+ ****Product XML
374
+
375
+ <PRODUCTS><PRODUCT ProductID="3" Name="Mod-Forgive" Program="IMPC Mod-Forgive" ProgramDisplayName="IMPC Mod-Forgive" ProgramID="3" Rate="0.0000" MortgageTypeID="1" Description="Mod-Forgive" Duration="360" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="2" GuidelineName="Impac" UWGuidelineID="2" UWGuidelineName="Impac" POSGuidelineName="Impac" AUSSource="CQDS" /></PRODUCTS>
376
+
377
+
378
+ PRIMARY PARAMETER VALUES***********Output XML*******
379
+ <PARAMS><_DATA_SET _Name='TOTAL VERIFIED SEMIMONTHLY INCOME' _Value='333'/><_DATA_SET _Name='DQ INTEREST' _Value='0'/><_DATA_SET _Name='TOTAL VERIFIED BIWEEKLY INCOME' _Value='222'/><_DATA_SET _Name='LOAN AMOUNT' _Value='100000'/><_DATA_SET _Name='MORTGAGE OWNER' _Value='Private'/><_DATA_SET _Name='PRESENT MONTHLY RENT' _Value='0'/><_DATA_SET _Name='PRESENT OTHER FINANCING P AND I' _Value='0'/><_DATA_SET _Name='PROGRAM NAME' _Value='IMPC Mod-Forgive'/><_DATA_SET _Name='PROPERTY VALUATION TYPE' _Value='AutomatedValuationModel'/><_DATA_SET _Name='PRESENT OTHER HOUSING EXPENSES' _Value='500'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='TOTAL VERIFIED WEEKLY INCOME' _Value='111'/><_DATA_SET _Name='TOTAL VERIFIED ANNUAL INCOME' _Value='4444'/><_DATA_SET _Name='PRESENT MORTGAGE INSURANCE' _Value='0'/><_DATA_SET _Name='BORROWER INTENT' _Value='ContinuetoOwntheHomeandLiveinit'/><_DATA_SET _Name='CSP PRINCIPAL FORBEARANCE AMOUNT' _Value=''/><_DATA_SET _Name='PRESENT HOMEOWNER ASSN. DUES' _Value='0'/><_DATA_SET _Name='LIEN NUMBER' _Value='1'/><_DATA_SET _Name='TODAYS DATE' _Value='3/12/2010 12:00:00 AM'/><_DATA_SET _Name='IR' _Value='17.5'/><_DATA_SET _Name='LTV AT ORIGINATION' _Value='85'/><_DATA_SET _Name='MATURITY DATE' _Value='1/1/2038 12:00:00 AM'/><_DATA_SET _Name='PRESENT REAL ESTATE TAXES' _Value='80'/><_DATA_SET _Name='DELINQUENCY STATUS' _Value='120DaysDelinquent'/><_DATA_SET _Name='PRESENT HAZARD INSURANCE' _Value='120'/><_DATA_SET _Name='PRESENT FLOOD INSURANCE' _Value='50'/></PARAMS>
380
+ **********Primary Parameters Ends at 3/12/2010 11:43:34 AM**********
381
+
382
+ ******Guideline****************
383
+
384
+ <Guideline Id=2 Name= Version=0/>
385
+
386
+ <Rules> <Rule Name="IMPC Initialization PLK.1" Id="1437" ConditionResult="True">
387
+ <DPM Name="Lien Number" Type="DPM">1</DPM>
388
+ <DPM Name="Future Income" Type="DPM">Improve</DPM>
389
+ <DPM Name="Hardship Severity" Type="DPM">Moderate</DPM>
390
+ <DPM Name="Hardship Term" Type="DPM">Short Term</DPM>
391
+ <DPM Name="Gross Target DTI1" Type="DPM">0</DPM>
392
+ <DPM Name="Gross Target DTI2" Type="DPM">0</DPM>
393
+ <DPM Name="Backend Target DTI" Type="DPM">0</DPM>
394
+ <DPM Name="Decision" Type="DPM">Pass</DPM>
395
+ <DPM Name="Rate Matrix Group" Type="DPM">0</DPM>
396
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
397
+ <DPM Name="Max LTV" Type="DPM">0</DPM>
398
+ <DPM Name="Min CLTV" Type="DPM">0</DPM>
399
+ <DPM Name="Max CLTV" Type="DPM">0</DPM>
400
+ <DPM Name="Min UPB" Type="DPM">0</DPM>
401
+ <DPM Name="Max UPB" Type="DPM">0</DPM>
402
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
403
+ <DPM Name="Motivation" Type="DPM">ContinuetoOwntheHomeandLiveinit</DPM>
404
+ <DPM Name="Months Delinquent" Type="DPM">0</DPM>
405
+ <DPM Name="Current Occupancy" Type="DPM">PrimaryResidence</DPM>
406
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
407
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
408
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
409
+ <DPM Name="Min Rate-RateTerm" Type="DPM">0</DPM>
410
+ <DPM Name="Min Rate-Forbear" Type="DPM">0</DPM>
411
+ <DPM Name="Min Rate-Forgive" Type="DPM">0</DPM>
412
+ <DPM Name="Min Rate-SAM" Type="DPM">0</DPM>
413
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
414
+ <DPM Name="Mod Term1" Type="DPM">0</DPM>
415
+ <DPM Name="Mod Term2" Type="DPM">0</DPM>
416
+ <DPM Name="Term Rate Threshold" Type="DPM">0</DPM>
417
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
418
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
419
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
420
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
421
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
422
+ <DPM Name="Property Type" Type="DPM">SingleFamily</DPM>
423
+ <DPM Name="No of Units" Type="DPM">1</DPM>
424
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
425
+ <DPM Name="Mortgage Owner" Type="DPM">Private</DPM>
426
+ <DPM Name="LTV" Type="DPM">85</DPM>
427
+ <DPM Name="CLTV" Type="DPM">0</DPM>
428
+ <DPM Name="Housing Region" Type="DPM">Stable+</DPM>
429
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
430
+ </Rule>
431
+ <Rule Name="IMPC DelinquencyStatus PLK.1" Id="1535" ConditionResult="False">
432
+ </Rule>
433
+ <Rule Name="IMPC DelinquencyStatus PLK.2" Id="1536" ConditionResult="False">
434
+ </Rule>
435
+ <Rule Name="IMPC DelinquencyStatus PLK.3" Id="1537" ConditionResult="False">
436
+ </Rule>
437
+ <Rule Name="IMPC DelinquencyStatus PLK.4" Id="1538" ConditionResult="False">
438
+ </Rule>
439
+ <Rule Name="IMPC DelinquencyStatus PLK.5" Id="1539" ConditionResult="False">
440
+ </Rule>
441
+ <Rule Name="IMPC DelinquencyStatus PLK.6" Id="1540" ConditionResult="False">
442
+ </Rule>
443
+ <Rule Name="IMPC SetMotivation PLK.1" Id="1529" ConditionResult="False">
444
+ </Rule>
445
+ <Rule Name="IMPC SetMotivation PLK.2" Id="1530" ConditionResult="True">
446
+ <DPM Name="Motivation" Type="DPM">Wish To Stay</DPM>
447
+ </Rule>
448
+ <Rule Name="IMPC SetPropertyValuation PLK.1" Id="1561" ConditionResult="True">
449
+ <DPM Name="Valuation Type" Type="DPM">AVM</DPM>
450
+ </Rule>
451
+ <Rule Name="IMPC SetOccupancy PLK.1" Id="1407" ConditionResult="True">
452
+ <DPM Name="Current Occupancy" Type="DPM">Owner</DPM>
453
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
454
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
455
+ </Rule>
456
+ <Rule Name="IMPC SetProductCode PLK.1" Id="1565" ConditionResult="False">
457
+ </Rule>
458
+ <Rule Name="IMPC SetProductCode PLK.2" Id="1566" ConditionResult="False">
459
+ </Rule>
460
+ <Rule Name="IMPC SetProductCode PLK.3" Id="1567" ConditionResult="True">
461
+ <DPM Name="Product Code" Type="DPM">4</DPM>
462
+ </Rule>
463
+ <Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="1411" ConditionResult="True">
464
+ <DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
465
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
466
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
467
+ <DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
468
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
469
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
470
+ <DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
471
+ <DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
472
+ <DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
473
+ </Rule>
474
+ <Rule Name="IMPC SetTargetDTIs PLK.1" Id="1574" ConditionResult="True">
475
+ <DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
476
+ <DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
477
+ <DPM Name="Backend Target DTI" Type="DPM">75</DPM>
478
+ </Rule>
479
+ <Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="1541" ConditionResult="False">
480
+ </Rule>
481
+ <Rule Name="IMPC SetRateMatrixGroup PLK.2" Id="1542" ConditionResult="True">
482
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
483
+ <DPM Name="Rate Matrix Group" Type="DPM">2</DPM>
484
+ </Rule>
485
+ <Rule Name="IMPC SetRatesAndTerms PLK.1" Id="1438" ConditionResult="False">
486
+ </Rule>
487
+ <Rule Name="IMPC SetRatesAndTerms PLK.2" Id="1439" ConditionResult="True">
488
+ <DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
489
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
490
+ <DPM Name="Min Rate-RateTerm" Type="DPM">4.5</DPM>
491
+ <DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
492
+ <DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
493
+ <DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
494
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
495
+ <DPM Name="Mod Term1" Type="DPM">60</DPM>
496
+ <DPM Name="Mod Term2" Type="DPM">24</DPM>
497
+ <DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
498
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
499
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
500
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
501
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
502
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
503
+ </Rule>
504
+ <Rule Name="IMPC SetMinRate PLK.1" Id="1577" ConditionResult="False">
505
+ </Rule>
506
+ <Rule Name="IMPC SetMinRate PLK.2" Id="1578" ConditionResult="False">
507
+ </Rule>
508
+ <Rule Name="IMPC SetMinRate PLK.3" Id="1579" ConditionResult="True">
509
+ <DPM Name="Min Rate" Type="DPM">5</DPM>
510
+ </Rule>
511
+ <Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
512
+ <DPM Name="Maturity Date" Type="DPM">1/1/2038 12:00:00 AM</DPM>
513
+ <DPM Name="today" Type="DPM">3/12/2010 12:00:00 AM</DPM>
514
+ <DPM Name="Remaining Term" Type="DPM">333</DPM>
515
+ </Rule>
516
+ <Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
517
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
518
+ </Rule>
519
+ <Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
520
+ <DPM Name="interest" Type="DPM">17.5</DPM>
521
+ <DPM Name="DQ Interest" Type="DPM">0</DPM>
522
+ </Rule>
523
+ <Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
524
+ </Rule>
525
+ <Rule Name="CalcNewUpb" Id="5" ConditionResult="True">
526
+ <DPM Name="New UPB" Type="DPM">100000</DPM>
527
+ </Rule>
528
+ <Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
529
+ <DPM Name="Monthly Income" Type="DPM">481</DPM>
530
+ <DPM Name="Monthly Income" Type="DPM">851.333333333333</DPM>
531
+ <DPM Name="Monthly Income" Type="DPM">1332.33333333333</DPM>
532
+ <DPM Name="Monthly Income" Type="DPM">1998.33333333333</DPM>
533
+ </Rule>
534
+ <Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
535
+ <DPM Name="Present Monthly Expenses" Type="DPM">750</DPM>
536
+ <DPM Name="Housing Expenses" Type="DPM">250</DPM>
537
+ <DPM Name="Monthly Liabilities" Type="DPM">500</DPM>
538
+ </Rule>
539
+ <Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
540
+ <DPM Name="Target DTI" Type="DPM">40</DPM>
541
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
542
+ </Rule>
543
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
544
+ <DPM Name="Target Payment" Type="DPM">799.333333333333</DPM>
545
+ <DPM Name="Target Payment" Type="DPM">549.333333333333</DPM>
546
+ </Rule>
547
+ <Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
548
+ <DPM Name="Gross Target 1 Payment" Type="DPM">549.333333333333</DPM>
549
+ </Rule>
550
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
551
+ <DPM Name="Goal Payment" Type="DPM">549.333333333333</DPM>
552
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
553
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
554
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
555
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
556
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
557
+ <DPM Name="Status" Type="DPM">True</DPM>
558
+ <DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
559
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
560
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
561
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
562
+ </Rule>
563
+ <Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="False">
564
+ </Rule>
565
+ <Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="False">
566
+ </Rule>
567
+ <Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
568
+ <DPM Name="Gross Target 1 Rate" Type="DPM">5</DPM>
569
+ <DPM Name="Gross Target 1 Payment" Type="DPM">555.866542232696</DPM>
570
+ <DPM Name="Gross Target 1 Term" Type="DPM">333</DPM>
571
+ </Rule>
572
+ <Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
573
+ <DPM Name="Backend DTI" Type="DPM">65.3477835979664</DPM>
574
+ </Rule>
575
+ <Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
576
+ </Rule>
577
+ <Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
578
+ <DPM Name="Backend DTI" Type="DPM">75</DPM>
579
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
580
+ </Rule>
581
+ <Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
582
+ <DPM Name="Target Payment" Type="DPM">1498.75</DPM>
583
+ <DPM Name="Target Payment" Type="DPM">748.75</DPM>
584
+ </Rule>
585
+ <Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
586
+ <DPM Name="Backend Pmt" Type="DPM">748.75</DPM>
587
+ </Rule>
588
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
589
+ <DPM Name="Goal Payment" Type="DPM">748.75</DPM>
590
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
591
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
592
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
593
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
594
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
595
+ <DPM Name="Status" Type="DPM">True</DPM>
596
+ <DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
597
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
598
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
599
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
600
+ </Rule>
601
+ <Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="False">
602
+ </Rule>
603
+ <Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="False">
604
+ </Rule>
605
+ <Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
606
+ <DPM Name="Backend Rate" Type="DPM">8.125</DPM>
607
+ <DPM Name="Backend Term" Type="DPM">333</DPM>
608
+ <DPM Name="Backend Pmt" Type="DPM">757.115361865311</DPM>
609
+ </Rule>
610
+ <Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
611
+ <DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
612
+ </Rule>
613
+ <Rule Name="CalcBalanceFromDTI" Id="1587" ConditionResult="False">
614
+ </Rule>
615
+ <Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
616
+ </Rule>
617
+ <Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
618
+ </Rule>
619
+ <Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
620
+ </Rule>
621
+ <Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
622
+ <DPM Name="Target DTI" Type="DPM">30</DPM>
623
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
624
+ </Rule>
625
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
626
+ <DPM Name="Target Payment" Type="DPM">599.5</DPM>
627
+ <DPM Name="Target Payment" Type="DPM">349.5</DPM>
628
+ </Rule>
629
+ <Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
630
+ <DPM Name="Gross Target 2 Payment" Type="DPM">349.5</DPM>
631
+ </Rule>
632
+ <Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
633
+ <DPM Name="Proposed Rate" Type="DPM">5</DPM>
634
+ <DPM Name="Proposed Pmt" Type="DPM">555.866542232696</DPM>
635
+ </Rule>
636
+ <Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
637
+ </Rule>
638
+ <Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
639
+ </Rule>
640
+ <Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
641
+ <DPM Name="Proposed Term" Type="DPM">60</DPM>
642
+ </Rule>
643
+ <Rule Name="ShowResults" Id="187" ConditionResult="True">
644
+ <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Rate: 5. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Payment: 555.866542232696. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Term: 60. ]]></Message> </Rule>
645
+ </Rules>
646
+ <Decision GuidelineId="2" Rulecount="0" ExecutionTime="3/12/2010 11:43:34 AM" ExecutionResult="True">
647
+ <Messages>
648
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Rate: 5]]></Message>
649
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Payment: 555.866542232696]]></Message>
650
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Term: 60]]></Message>
651
+ </Messages>
652
+ <DerivedParameters>
653
+ <DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">333</DPM>
654
+ <DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="3">757.115361865311</DPM>
655
+ <DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="3">0</DPM>
656
+ <DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">8.125</DPM>
657
+ <DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">333</DPM>
658
+ <DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
659
+ <DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
660
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
661
+ <DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
662
+ <DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
663
+ <DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
664
+ <DPM Name="Proposed Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
665
+ <DPM Name="Proposed Pmt" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
666
+ <DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
667
+ <DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="3">349.5</DPM>
668
+ <DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
669
+ <DPM Name="Target Payment" Type="DPM" Order="0" ProductType="3">349.5</DPM>
670
+ <DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
671
+ <DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
672
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">85</DPM>
673
+ <DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
674
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
675
+ <DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
676
+ <DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4.5</DPM>
677
+ <DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">4</DPM>
678
+ <DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">1/1/2038</DPM>
679
+ <DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">333</DPM>
680
+ <DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
681
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
682
+ <DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
683
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
684
+ <DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
685
+ <DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
686
+ <DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
687
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
688
+ <DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
689
+ <DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
690
+ <DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
691
+ <DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
692
+ <DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
693
+ <DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
694
+ <DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
695
+ <DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="3">748.75</DPM>
696
+ <DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="3">500</DPM>
697
+ <DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
698
+ <DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
699
+ <DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="3">1998.33333333333</DPM>
700
+ <DPM Name="Current UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
701
+ <DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
702
+ <DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
703
+ <DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
704
+ <DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">17.5</DPM>
705
+ <DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="3">750</DPM>
706
+ <DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
707
+ <DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
708
+ <DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
709
+ <DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">333</DPM>
710
+ <DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">333</DPM>
711
+ <DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
712
+ <DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">Short Term</DPM>
713
+ <DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="3">250</DPM>
714
+ <DPM Name="Status" Type="DPM" Order="0" ProductType="1">True</DPM>
715
+ <DPM Name="interest" Type="DPM" Order="0" ProductType="4">17.5</DPM>
716
+ <DPM Name="New UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
717
+ <DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">0</DPM>
718
+ <DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
719
+ <DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
720
+ <DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
721
+ <DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
722
+ <DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
723
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
724
+ <DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
725
+ <DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
726
+ <DPM Name="Min UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
727
+ <DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
728
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
729
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
730
+ <DPM Name="today" Type="DPM" Order="0" ProductType="2">3/12/2010</DPM>
731
+ <DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
732
+ <DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
733
+ <DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
734
+ <DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable+</DPM>
735
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="3">555.866542232696</DPM>
736
+ <DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">2</DPM>
737
+ <DPM Name="Max UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
738
+ <DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
739
+ <DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
740
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="3">805.866542232696</DPM>
741
+ </DerivedParameters>
742
+ </Decision>
743
+
744
+ ****Product XML
745
+
746
+ <PRODUCTS><PRODUCT ProductID="1" Name="Mod-RateTerm" Program="IMPC Mod-RateTerm" ProgramDisplayName="Mod-RateTerm" ProgramID="1" Rate="0.0000" MortgageTypeID="1" Description="Mod-RateTerm" Duration="360" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="9999999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" AdjustmentType="DollarAmount" POSGuidelineId="2" GuidelineName="Impac" UWGuidelineID="2" UWGuidelineName="Impac" POSGuidelineName="Impac" AUSSource="CQDS" /></PRODUCTS>
747
+
748
+
749
+ PRIMARY PARAMETER VALUES***********Output XML*******
750
+ <PARAMS><_DATA_SET _Name='TOTAL VERIFIED SEMIMONTHLY INCOME' _Value='333'/><_DATA_SET _Name='DQ INTEREST' _Value='0'/><_DATA_SET _Name='TOTAL VERIFIED BIWEEKLY INCOME' _Value='222'/><_DATA_SET _Name='LOAN AMOUNT' _Value='100000'/><_DATA_SET _Name='MORTGAGE OWNER' _Value='Private'/><_DATA_SET _Name='PRESENT MONTHLY RENT' _Value='0'/><_DATA_SET _Name='PRESENT OTHER FINANCING P AND I' _Value='0'/><_DATA_SET _Name='PROGRAM NAME' _Value='IMPC Mod-RateTerm'/><_DATA_SET _Name='PROPERTY VALUATION TYPE' _Value='AutomatedValuationModel'/><_DATA_SET _Name='PRESENT OTHER HOUSING EXPENSES' _Value='500'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='TOTAL VERIFIED WEEKLY INCOME' _Value='111'/><_DATA_SET _Name='TOTAL VERIFIED ANNUAL INCOME' _Value='4444'/><_DATA_SET _Name='PRESENT MORTGAGE INSURANCE' _Value='0'/><_DATA_SET _Name='BORROWER INTENT' _Value='ContinuetoOwntheHomeandLiveinit'/><_DATA_SET _Name='CSP PRINCIPAL FORBEARANCE AMOUNT' _Value=''/><_DATA_SET _Name='PRESENT HOMEOWNER ASSN. DUES' _Value='0'/><_DATA_SET _Name='LIEN NUMBER' _Value='1'/><_DATA_SET _Name='TODAYS DATE' _Value='3/12/2010 12:00:00 AM'/><_DATA_SET _Name='IR' _Value='17.5'/><_DATA_SET _Name='LTV AT ORIGINATION' _Value='85'/><_DATA_SET _Name='MATURITY DATE' _Value='1/1/2038 12:00:00 AM'/><_DATA_SET _Name='PRESENT REAL ESTATE TAXES' _Value='80'/><_DATA_SET _Name='DELINQUENCY STATUS' _Value='120DaysDelinquent'/><_DATA_SET _Name='PRESENT HAZARD INSURANCE' _Value='120'/><_DATA_SET _Name='PRESENT FLOOD INSURANCE' _Value='50'/></PARAMS>
751
+ **********Primary Parameters Ends at 3/12/2010 11:43:34 AM**********
752
+
753
+ ******Guideline****************
754
+
755
+ <Guideline Id=2 Name= Version=0/>
756
+
757
+ <Rules> <Rule Name="IMPC Initialization PLK.1" Id="1437" ConditionResult="True">
758
+ <DPM Name="Lien Number" Type="DPM">1</DPM>
759
+ <DPM Name="Future Income" Type="DPM">Improve</DPM>
760
+ <DPM Name="Hardship Severity" Type="DPM">Moderate</DPM>
761
+ <DPM Name="Hardship Term" Type="DPM">Short Term</DPM>
762
+ <DPM Name="Gross Target DTI1" Type="DPM">0</DPM>
763
+ <DPM Name="Gross Target DTI2" Type="DPM">0</DPM>
764
+ <DPM Name="Backend Target DTI" Type="DPM">0</DPM>
765
+ <DPM Name="Decision" Type="DPM">Pass</DPM>
766
+ <DPM Name="Rate Matrix Group" Type="DPM">0</DPM>
767
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
768
+ <DPM Name="Max LTV" Type="DPM">0</DPM>
769
+ <DPM Name="Min CLTV" Type="DPM">0</DPM>
770
+ <DPM Name="Max CLTV" Type="DPM">0</DPM>
771
+ <DPM Name="Min UPB" Type="DPM">0</DPM>
772
+ <DPM Name="Max UPB" Type="DPM">0</DPM>
773
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
774
+ <DPM Name="Motivation" Type="DPM">ContinuetoOwntheHomeandLiveinit</DPM>
775
+ <DPM Name="Months Delinquent" Type="DPM">0</DPM>
776
+ <DPM Name="Current Occupancy" Type="DPM">PrimaryResidence</DPM>
777
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
778
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
779
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
780
+ <DPM Name="Min Rate-RateTerm" Type="DPM">0</DPM>
781
+ <DPM Name="Min Rate-Forbear" Type="DPM">0</DPM>
782
+ <DPM Name="Min Rate-Forgive" Type="DPM">0</DPM>
783
+ <DPM Name="Min Rate-SAM" Type="DPM">0</DPM>
784
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
785
+ <DPM Name="Mod Term1" Type="DPM">0</DPM>
786
+ <DPM Name="Mod Term2" Type="DPM">0</DPM>
787
+ <DPM Name="Term Rate Threshold" Type="DPM">0</DPM>
788
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
789
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
790
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
791
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
792
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
793
+ <DPM Name="Property Type" Type="DPM">SingleFamily</DPM>
794
+ <DPM Name="No of Units" Type="DPM">1</DPM>
795
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
796
+ <DPM Name="Mortgage Owner" Type="DPM">Private</DPM>
797
+ <DPM Name="LTV" Type="DPM">85</DPM>
798
+ <DPM Name="CLTV" Type="DPM">0</DPM>
799
+ <DPM Name="Housing Region" Type="DPM">Stable+</DPM>
800
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
801
+ </Rule>
802
+ <Rule Name="IMPC DelinquencyStatus PLK.1" Id="1535" ConditionResult="False">
803
+ </Rule>
804
+ <Rule Name="IMPC DelinquencyStatus PLK.2" Id="1536" ConditionResult="False">
805
+ </Rule>
806
+ <Rule Name="IMPC DelinquencyStatus PLK.3" Id="1537" ConditionResult="False">
807
+ </Rule>
808
+ <Rule Name="IMPC DelinquencyStatus PLK.4" Id="1538" ConditionResult="False">
809
+ </Rule>
810
+ <Rule Name="IMPC DelinquencyStatus PLK.5" Id="1539" ConditionResult="False">
811
+ </Rule>
812
+ <Rule Name="IMPC DelinquencyStatus PLK.6" Id="1540" ConditionResult="False">
813
+ </Rule>
814
+ <Rule Name="IMPC SetMotivation PLK.1" Id="1529" ConditionResult="False">
815
+ </Rule>
816
+ <Rule Name="IMPC SetMotivation PLK.2" Id="1530" ConditionResult="True">
817
+ <DPM Name="Motivation" Type="DPM">Wish To Stay</DPM>
818
+ </Rule>
819
+ <Rule Name="IMPC SetPropertyValuation PLK.1" Id="1561" ConditionResult="True">
820
+ <DPM Name="Valuation Type" Type="DPM">AVM</DPM>
821
+ </Rule>
822
+ <Rule Name="IMPC SetOccupancy PLK.1" Id="1407" ConditionResult="True">
823
+ <DPM Name="Current Occupancy" Type="DPM">Owner</DPM>
824
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
825
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
826
+ </Rule>
827
+ <Rule Name="IMPC SetProductCode PLK.1" Id="1565" ConditionResult="True">
828
+ <DPM Name="Product Code" Type="DPM">2</DPM>
829
+ </Rule>
830
+ <Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="1411" ConditionResult="True">
831
+ <DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
832
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
833
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
834
+ <DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
835
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
836
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
837
+ <DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
838
+ <DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
839
+ <DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
840
+ </Rule>
841
+ <Rule Name="IMPC SetTargetDTIs PLK.1" Id="1574" ConditionResult="True">
842
+ <DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
843
+ <DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
844
+ <DPM Name="Backend Target DTI" Type="DPM">75</DPM>
845
+ </Rule>
846
+ <Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="1541" ConditionResult="False">
847
+ </Rule>
848
+ <Rule Name="IMPC SetRateMatrixGroup PLK.2" Id="1542" ConditionResult="True">
849
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
850
+ <DPM Name="Rate Matrix Group" Type="DPM">2</DPM>
851
+ </Rule>
852
+ <Rule Name="IMPC SetRatesAndTerms PLK.1" Id="1438" ConditionResult="False">
853
+ </Rule>
854
+ <Rule Name="IMPC SetRatesAndTerms PLK.2" Id="1439" ConditionResult="True">
855
+ <DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
856
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
857
+ <DPM Name="Min Rate-RateTerm" Type="DPM">4.5</DPM>
858
+ <DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
859
+ <DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
860
+ <DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
861
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
862
+ <DPM Name="Mod Term1" Type="DPM">60</DPM>
863
+ <DPM Name="Mod Term2" Type="DPM">24</DPM>
864
+ <DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
865
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
866
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
867
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
868
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
869
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
870
+ </Rule>
871
+ <Rule Name="IMPC SetMinRate PLK.1" Id="1577" ConditionResult="True">
872
+ <DPM Name="Min Rate" Type="DPM">4.5</DPM>
873
+ </Rule>
874
+ <Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
875
+ <DPM Name="Maturity Date" Type="DPM">1/1/2038 12:00:00 AM</DPM>
876
+ <DPM Name="today" Type="DPM">3/12/2010 12:00:00 AM</DPM>
877
+ <DPM Name="Remaining Term" Type="DPM">333</DPM>
878
+ </Rule>
879
+ <Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
880
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
881
+ </Rule>
882
+ <Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
883
+ <DPM Name="interest" Type="DPM">17.5</DPM>
884
+ <DPM Name="DQ Interest" Type="DPM">0</DPM>
885
+ </Rule>
886
+ <Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
887
+ </Rule>
888
+ <Rule Name="CalcNewUpb" Id="5" ConditionResult="True">
889
+ <DPM Name="New UPB" Type="DPM">100000</DPM>
890
+ </Rule>
891
+ <Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
892
+ <DPM Name="Monthly Income" Type="DPM">481</DPM>
893
+ <DPM Name="Monthly Income" Type="DPM">851.333333333333</DPM>
894
+ <DPM Name="Monthly Income" Type="DPM">1332.33333333333</DPM>
895
+ <DPM Name="Monthly Income" Type="DPM">1998.33333333333</DPM>
896
+ </Rule>
897
+ <Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
898
+ <DPM Name="Present Monthly Expenses" Type="DPM">750</DPM>
899
+ <DPM Name="Housing Expenses" Type="DPM">250</DPM>
900
+ <DPM Name="Monthly Liabilities" Type="DPM">500</DPM>
901
+ </Rule>
902
+ <Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
903
+ <DPM Name="Target DTI" Type="DPM">40</DPM>
904
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
905
+ </Rule>
906
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
907
+ <DPM Name="Target Payment" Type="DPM">799.333333333333</DPM>
908
+ <DPM Name="Target Payment" Type="DPM">549.333333333333</DPM>
909
+ </Rule>
910
+ <Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
911
+ <DPM Name="Gross Target 1 Payment" Type="DPM">549.333333333333</DPM>
912
+ </Rule>
913
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
914
+ <DPM Name="Goal Payment" Type="DPM">549.333333333333</DPM>
915
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
916
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
917
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
918
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
919
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
920
+ <DPM Name="Status" Type="DPM">True</DPM>
921
+ <DPM Name="Floor Rate" Type="DPM">0.00375</DPM>
922
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">526.340849592389</DPM>
923
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
924
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">776.340849592389</DPM>
925
+ </Rule>
926
+ <Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="False">
927
+ </Rule>
928
+ <Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="False">
929
+ </Rule>
930
+ <Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
931
+ <DPM Name="Gross Target 1 Rate" Type="DPM">5</DPM>
932
+ <DPM Name="Gross Target 1 Payment" Type="DPM">555.866542232696</DPM>
933
+ <DPM Name="Gross Target 1 Term" Type="DPM">333</DPM>
934
+ </Rule>
935
+ <Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
936
+ <DPM Name="Backend DTI" Type="DPM">65.3477835979664</DPM>
937
+ </Rule>
938
+ <Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
939
+ </Rule>
940
+ <Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
941
+ <DPM Name="Backend DTI" Type="DPM">75</DPM>
942
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
943
+ </Rule>
944
+ <Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
945
+ <DPM Name="Target Payment" Type="DPM">1498.75</DPM>
946
+ <DPM Name="Target Payment" Type="DPM">748.75</DPM>
947
+ </Rule>
948
+ <Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
949
+ <DPM Name="Backend Pmt" Type="DPM">748.75</DPM>
950
+ </Rule>
951
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
952
+ <DPM Name="Goal Payment" Type="DPM">748.75</DPM>
953
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
954
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
955
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
956
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
957
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
958
+ <DPM Name="Status" Type="DPM">True</DPM>
959
+ <DPM Name="Floor Rate" Type="DPM">0.00375</DPM>
960
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">526.340849592389</DPM>
961
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
962
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">776.340849592389</DPM>
963
+ </Rule>
964
+ <Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="False">
965
+ </Rule>
966
+ <Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="False">
967
+ </Rule>
968
+ <Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
969
+ <DPM Name="Backend Rate" Type="DPM">8.125</DPM>
970
+ <DPM Name="Backend Term" Type="DPM">333</DPM>
971
+ <DPM Name="Backend Pmt" Type="DPM">757.115361865311</DPM>
972
+ </Rule>
973
+ <Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
974
+ <DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
975
+ </Rule>
976
+ <Rule Name="CalcBalanceFromDTI" Id="1587" ConditionResult="False">
977
+ </Rule>
978
+ <Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
979
+ </Rule>
980
+ <Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
981
+ </Rule>
982
+ <Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
983
+ </Rule>
984
+ <Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
985
+ <DPM Name="Target DTI" Type="DPM">30</DPM>
986
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
987
+ </Rule>
988
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
989
+ <DPM Name="Target Payment" Type="DPM">599.5</DPM>
990
+ <DPM Name="Target Payment" Type="DPM">349.5</DPM>
991
+ </Rule>
992
+ <Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
993
+ <DPM Name="Gross Target 2 Payment" Type="DPM">349.5</DPM>
994
+ </Rule>
995
+ <Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
996
+ <DPM Name="Proposed Rate" Type="DPM">5</DPM>
997
+ <DPM Name="Proposed Pmt" Type="DPM">555.866542232696</DPM>
998
+ </Rule>
999
+ <Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
1000
+ </Rule>
1001
+ <Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
1002
+ </Rule>
1003
+ <Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
1004
+ <DPM Name="Proposed Term" Type="DPM">60</DPM>
1005
+ </Rule>
1006
+ <Rule Name="ShowResults" Id="187" ConditionResult="True">
1007
+ <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Rate: 5. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Payment: 555.866542232696. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Term: 60. ]]></Message> </Rule>
1008
+ </Rules>
1009
+ <Decision GuidelineId="2" Rulecount="0" ExecutionTime="3/12/2010 11:43:34 AM" ExecutionResult="True">
1010
+ <Messages>
1011
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Rate: 5]]></Message>
1012
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Payment: 555.866542232696]]></Message>
1013
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Term: 60]]></Message>
1014
+ </Messages>
1015
+ <DerivedParameters>
1016
+ <DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">333</DPM>
1017
+ <DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="3">757.115361865311</DPM>
1018
+ <DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="3">0</DPM>
1019
+ <DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">8.125</DPM>
1020
+ <DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">333</DPM>
1021
+ <DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
1022
+ <DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
1023
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
1024
+ <DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
1025
+ <DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
1026
+ <DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
1027
+ <DPM Name="Proposed Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
1028
+ <DPM Name="Proposed Pmt" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
1029
+ <DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
1030
+ <DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="3">349.5</DPM>
1031
+ <DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
1032
+ <DPM Name="Target Payment" Type="DPM" Order="0" ProductType="3">349.5</DPM>
1033
+ <DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1034
+ <DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
1035
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">85</DPM>
1036
+ <DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1037
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
1038
+ <DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1039
+ <DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4.5</DPM>
1040
+ <DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">2</DPM>
1041
+ <DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">1/1/2038</DPM>
1042
+ <DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">333</DPM>
1043
+ <DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
1044
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
1045
+ <DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
1046
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
1047
+ <DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
1048
+ <DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
1049
+ <DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
1050
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
1051
+ <DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
1052
+ <DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
1053
+ <DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
1054
+ <DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
1055
+ <DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">4.5</DPM>
1056
+ <DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
1057
+ <DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
1058
+ <DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="3">748.75</DPM>
1059
+ <DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="3">500</DPM>
1060
+ <DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
1061
+ <DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
1062
+ <DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="3">1998.33333333333</DPM>
1063
+ <DPM Name="Current UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
1064
+ <DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
1065
+ <DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
1066
+ <DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
1067
+ <DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">17.5</DPM>
1068
+ <DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="3">750</DPM>
1069
+ <DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
1070
+ <DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">4.5</DPM>
1071
+ <DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1072
+ <DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">333</DPM>
1073
+ <DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">333</DPM>
1074
+ <DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
1075
+ <DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">Short Term</DPM>
1076
+ <DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="3">250</DPM>
1077
+ <DPM Name="Status" Type="DPM" Order="0" ProductType="1">True</DPM>
1078
+ <DPM Name="interest" Type="DPM" Order="0" ProductType="4">17.5</DPM>
1079
+ <DPM Name="New UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
1080
+ <DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">0</DPM>
1081
+ <DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
1082
+ <DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1083
+ <DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1084
+ <DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
1085
+ <DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
1086
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
1087
+ <DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
1088
+ <DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
1089
+ <DPM Name="Min UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
1090
+ <DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
1091
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
1092
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
1093
+ <DPM Name="today" Type="DPM" Order="0" ProductType="2">3/12/2010</DPM>
1094
+ <DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1095
+ <DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
1096
+ <DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
1097
+ <DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable+</DPM>
1098
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="3">526.340849592389</DPM>
1099
+ <DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">2</DPM>
1100
+ <DPM Name="Max UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
1101
+ <DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
1102
+ <DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
1103
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="3">776.340849592389</DPM>
1104
+ </DerivedParameters>
1105
+ </Decision>
1106
+
1107
+ ****Product XML
1108
+
1109
+ <PRODUCTS><PRODUCT ProductID="4" Name="Mod-SAM" Program="IMPC Mod-SAM" ProgramDisplayName="IMPC Mod-SAM" ProgramID="4" Rate="0.0000" MortgageTypeID="1" Description="Mod-SAM" Duration="360" IsAssumable="0" IsBiWeekly="0" IsPrepayPenalty="0" IsChallenger="0" MaxLTV="200" MaxCLTV="200" MaxLoanAmount="99999999.0000" FirstRateAdjustmentCap="0" RateAdjustmentCap="0" RateLifetimeCap="0" RateMargin="0" RateIndex="0" RateFloor="0" PaymentAdjustment="0" PaymentAdjustmentCap="0" AmortizationType="Fixed" ProductType="Mortgage" MortgageType="ConventionalwithPMI" POSGuidelineId="2" GuidelineName="Impac" UWGuidelineID="2" UWGuidelineName="Impac" POSGuidelineName="Impac" AUSSource="CQDS" /></PRODUCTS>
1110
+
1111
+
1112
+ PRIMARY PARAMETER VALUES***********Output XML*******
1113
+ <PARAMS><_DATA_SET _Name='TOTAL VERIFIED SEMIMONTHLY INCOME' _Value='333'/><_DATA_SET _Name='DQ INTEREST' _Value='0'/><_DATA_SET _Name='TOTAL VERIFIED BIWEEKLY INCOME' _Value='222'/><_DATA_SET _Name='LOAN AMOUNT' _Value='100000'/><_DATA_SET _Name='MORTGAGE OWNER' _Value='Private'/><_DATA_SET _Name='PRESENT MONTHLY RENT' _Value='0'/><_DATA_SET _Name='PRESENT OTHER FINANCING P AND I' _Value='0'/><_DATA_SET _Name='PROGRAM NAME' _Value='IMPC Mod-SAM'/><_DATA_SET _Name='PROPERTY VALUATION TYPE' _Value='AutomatedValuationModel'/><_DATA_SET _Name='PRESENT OTHER HOUSING EXPENSES' _Value='500'/><_DATA_SET _Name='PROPERTY TYPE' _Value='SingleFamily'/><_DATA_SET _Name='NO. OF UNITS' _Value='1'/><_DATA_SET _Name='OCCUPANCY' _Value='PrimaryResidence'/><_DATA_SET _Name='TOTAL VERIFIED WEEKLY INCOME' _Value='111'/><_DATA_SET _Name='TOTAL VERIFIED ANNUAL INCOME' _Value='4444'/><_DATA_SET _Name='PRESENT MORTGAGE INSURANCE' _Value='0'/><_DATA_SET _Name='BORROWER INTENT' _Value='ContinuetoOwntheHomeandLiveinit'/><_DATA_SET _Name='CSP PRINCIPAL FORBEARANCE AMOUNT' _Value=''/><_DATA_SET _Name='PRESENT HOMEOWNER ASSN. DUES' _Value='0'/><_DATA_SET _Name='LIEN NUMBER' _Value='1'/><_DATA_SET _Name='TODAYS DATE' _Value='3/12/2010 12:00:00 AM'/><_DATA_SET _Name='IR' _Value='17.5'/><_DATA_SET _Name='LTV AT ORIGINATION' _Value='85'/><_DATA_SET _Name='MATURITY DATE' _Value='1/1/2038 12:00:00 AM'/><_DATA_SET _Name='PRESENT REAL ESTATE TAXES' _Value='80'/><_DATA_SET _Name='DELINQUENCY STATUS' _Value='120DaysDelinquent'/><_DATA_SET _Name='PRESENT HAZARD INSURANCE' _Value='120'/><_DATA_SET _Name='PRESENT FLOOD INSURANCE' _Value='50'/></PARAMS>
1114
+ **********Primary Parameters Ends at 3/12/2010 11:43:35 AM**********
1115
+
1116
+ ******Guideline****************
1117
+
1118
+ <Guideline Id=2 Name= Version=0/>
1119
+
1120
+ <Rules> <Rule Name="IMPC Initialization PLK.1" Id="1437" ConditionResult="True">
1121
+ <DPM Name="Lien Number" Type="DPM">1</DPM>
1122
+ <DPM Name="Future Income" Type="DPM">Improve</DPM>
1123
+ <DPM Name="Hardship Severity" Type="DPM">Moderate</DPM>
1124
+ <DPM Name="Hardship Term" Type="DPM">Short Term</DPM>
1125
+ <DPM Name="Gross Target DTI1" Type="DPM">0</DPM>
1126
+ <DPM Name="Gross Target DTI2" Type="DPM">0</DPM>
1127
+ <DPM Name="Backend Target DTI" Type="DPM">0</DPM>
1128
+ <DPM Name="Decision" Type="DPM">Pass</DPM>
1129
+ <DPM Name="Rate Matrix Group" Type="DPM">0</DPM>
1130
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
1131
+ <DPM Name="Max LTV" Type="DPM">0</DPM>
1132
+ <DPM Name="Min CLTV" Type="DPM">0</DPM>
1133
+ <DPM Name="Max CLTV" Type="DPM">0</DPM>
1134
+ <DPM Name="Min UPB" Type="DPM">0</DPM>
1135
+ <DPM Name="Max UPB" Type="DPM">0</DPM>
1136
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
1137
+ <DPM Name="Motivation" Type="DPM">ContinuetoOwntheHomeandLiveinit</DPM>
1138
+ <DPM Name="Months Delinquent" Type="DPM">0</DPM>
1139
+ <DPM Name="Current Occupancy" Type="DPM">PrimaryResidence</DPM>
1140
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
1141
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
1142
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
1143
+ <DPM Name="Min Rate-RateTerm" Type="DPM">0</DPM>
1144
+ <DPM Name="Min Rate-Forbear" Type="DPM">0</DPM>
1145
+ <DPM Name="Min Rate-Forgive" Type="DPM">0</DPM>
1146
+ <DPM Name="Min Rate-SAM" Type="DPM">0</DPM>
1147
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
1148
+ <DPM Name="Mod Term1" Type="DPM">0</DPM>
1149
+ <DPM Name="Mod Term2" Type="DPM">0</DPM>
1150
+ <DPM Name="Term Rate Threshold" Type="DPM">0</DPM>
1151
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
1152
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
1153
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
1154
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
1155
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
1156
+ <DPM Name="Property Type" Type="DPM">SingleFamily</DPM>
1157
+ <DPM Name="No of Units" Type="DPM">1</DPM>
1158
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
1159
+ <DPM Name="Mortgage Owner" Type="DPM">Private</DPM>
1160
+ <DPM Name="LTV" Type="DPM">85</DPM>
1161
+ <DPM Name="CLTV" Type="DPM">0</DPM>
1162
+ <DPM Name="Housing Region" Type="DPM">Stable+</DPM>
1163
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
1164
+ </Rule>
1165
+ <Rule Name="IMPC DelinquencyStatus PLK.1" Id="1535" ConditionResult="False">
1166
+ </Rule>
1167
+ <Rule Name="IMPC DelinquencyStatus PLK.2" Id="1536" ConditionResult="False">
1168
+ </Rule>
1169
+ <Rule Name="IMPC DelinquencyStatus PLK.3" Id="1537" ConditionResult="False">
1170
+ </Rule>
1171
+ <Rule Name="IMPC DelinquencyStatus PLK.4" Id="1538" ConditionResult="False">
1172
+ </Rule>
1173
+ <Rule Name="IMPC DelinquencyStatus PLK.5" Id="1539" ConditionResult="False">
1174
+ </Rule>
1175
+ <Rule Name="IMPC DelinquencyStatus PLK.6" Id="1540" ConditionResult="False">
1176
+ </Rule>
1177
+ <Rule Name="IMPC SetMotivation PLK.1" Id="1529" ConditionResult="False">
1178
+ </Rule>
1179
+ <Rule Name="IMPC SetMotivation PLK.2" Id="1530" ConditionResult="True">
1180
+ <DPM Name="Motivation" Type="DPM">Wish To Stay</DPM>
1181
+ </Rule>
1182
+ <Rule Name="IMPC SetPropertyValuation PLK.1" Id="1561" ConditionResult="True">
1183
+ <DPM Name="Valuation Type" Type="DPM">AVM</DPM>
1184
+ </Rule>
1185
+ <Rule Name="IMPC SetOccupancy PLK.1" Id="1407" ConditionResult="True">
1186
+ <DPM Name="Current Occupancy" Type="DPM">Owner</DPM>
1187
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
1188
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
1189
+ </Rule>
1190
+ <Rule Name="IMPC SetProductCode PLK.1" Id="1565" ConditionResult="False">
1191
+ </Rule>
1192
+ <Rule Name="IMPC SetProductCode PLK.2" Id="1566" ConditionResult="False">
1193
+ </Rule>
1194
+ <Rule Name="IMPC SetProductCode PLK.3" Id="1567" ConditionResult="False">
1195
+ </Rule>
1196
+ <Rule Name="IMPC SetProductCode PLK.4" Id="1568" ConditionResult="True">
1197
+ <DPM Name="Product Code" Type="DPM">5</DPM>
1198
+ </Rule>
1199
+ <Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="1411" ConditionResult="True">
1200
+ <DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
1201
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
1202
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
1203
+ <DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
1204
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
1205
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
1206
+ <DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
1207
+ <DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
1208
+ <DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
1209
+ </Rule>
1210
+ <Rule Name="IMPC SetTargetDTIs PLK.1" Id="1574" ConditionResult="True">
1211
+ <DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
1212
+ <DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
1213
+ <DPM Name="Backend Target DTI" Type="DPM">75</DPM>
1214
+ </Rule>
1215
+ <Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="1541" ConditionResult="False">
1216
+ </Rule>
1217
+ <Rule Name="IMPC SetRateMatrixGroup PLK.2" Id="1542" ConditionResult="True">
1218
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
1219
+ <DPM Name="Rate Matrix Group" Type="DPM">2</DPM>
1220
+ </Rule>
1221
+ <Rule Name="IMPC SetRatesAndTerms PLK.1" Id="1438" ConditionResult="False">
1222
+ </Rule>
1223
+ <Rule Name="IMPC SetRatesAndTerms PLK.2" Id="1439" ConditionResult="True">
1224
+ <DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
1225
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
1226
+ <DPM Name="Min Rate-RateTerm" Type="DPM">4.5</DPM>
1227
+ <DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
1228
+ <DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
1229
+ <DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
1230
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
1231
+ <DPM Name="Mod Term1" Type="DPM">60</DPM>
1232
+ <DPM Name="Mod Term2" Type="DPM">24</DPM>
1233
+ <DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
1234
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
1235
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
1236
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
1237
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
1238
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
1239
+ </Rule>
1240
+ <Rule Name="IMPC SetMinRate PLK.1" Id="1577" ConditionResult="False">
1241
+ </Rule>
1242
+ <Rule Name="IMPC SetMinRate PLK.2" Id="1578" ConditionResult="False">
1243
+ </Rule>
1244
+ <Rule Name="IMPC SetMinRate PLK.3" Id="1579" ConditionResult="False">
1245
+ </Rule>
1246
+ <Rule Name="IMPC SetMinRate PLK.4" Id="1580" ConditionResult="True">
1247
+ <DPM Name="Min Rate" Type="DPM">5</DPM>
1248
+ </Rule>
1249
+ <Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
1250
+ <DPM Name="Maturity Date" Type="DPM">1/1/2038 12:00:00 AM</DPM>
1251
+ <DPM Name="today" Type="DPM">3/12/2010 12:00:00 AM</DPM>
1252
+ <DPM Name="Remaining Term" Type="DPM">333</DPM>
1253
+ </Rule>
1254
+ <Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
1255
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
1256
+ </Rule>
1257
+ <Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
1258
+ <DPM Name="interest" Type="DPM">17.5</DPM>
1259
+ <DPM Name="DQ Interest" Type="DPM">0</DPM>
1260
+ </Rule>
1261
+ <Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
1262
+ </Rule>
1263
+ <Rule Name="CalcNewUpb" Id="5" ConditionResult="True">
1264
+ <DPM Name="New UPB" Type="DPM">100000</DPM>
1265
+ </Rule>
1266
+ <Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
1267
+ <DPM Name="Monthly Income" Type="DPM">481</DPM>
1268
+ <DPM Name="Monthly Income" Type="DPM">851.333333333333</DPM>
1269
+ <DPM Name="Monthly Income" Type="DPM">1332.33333333333</DPM>
1270
+ <DPM Name="Monthly Income" Type="DPM">1998.33333333333</DPM>
1271
+ </Rule>
1272
+ <Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
1273
+ <DPM Name="Present Monthly Expenses" Type="DPM">750</DPM>
1274
+ <DPM Name="Housing Expenses" Type="DPM">250</DPM>
1275
+ <DPM Name="Monthly Liabilities" Type="DPM">500</DPM>
1276
+ </Rule>
1277
+ <Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
1278
+ <DPM Name="Target DTI" Type="DPM">40</DPM>
1279
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
1280
+ </Rule>
1281
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
1282
+ <DPM Name="Target Payment" Type="DPM">799.333333333333</DPM>
1283
+ <DPM Name="Target Payment" Type="DPM">549.333333333333</DPM>
1284
+ </Rule>
1285
+ <Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
1286
+ <DPM Name="Gross Target 1 Payment" Type="DPM">549.333333333333</DPM>
1287
+ </Rule>
1288
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
1289
+ <DPM Name="Goal Payment" Type="DPM">549.333333333333</DPM>
1290
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
1291
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
1292
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
1293
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
1294
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
1295
+ <DPM Name="Status" Type="DPM">True</DPM>
1296
+ <DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
1297
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
1298
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
1299
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
1300
+ </Rule>
1301
+ <Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="False">
1302
+ </Rule>
1303
+ <Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="False">
1304
+ </Rule>
1305
+ <Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
1306
+ <DPM Name="Gross Target 1 Rate" Type="DPM">5</DPM>
1307
+ <DPM Name="Gross Target 1 Payment" Type="DPM">555.866542232696</DPM>
1308
+ <DPM Name="Gross Target 1 Term" Type="DPM">333</DPM>
1309
+ </Rule>
1310
+ <Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
1311
+ <DPM Name="Backend DTI" Type="DPM">65.3477835979664</DPM>
1312
+ </Rule>
1313
+ <Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
1314
+ </Rule>
1315
+ <Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
1316
+ <DPM Name="Backend DTI" Type="DPM">75</DPM>
1317
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
1318
+ </Rule>
1319
+ <Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
1320
+ <DPM Name="Target Payment" Type="DPM">1498.75</DPM>
1321
+ <DPM Name="Target Payment" Type="DPM">748.75</DPM>
1322
+ </Rule>
1323
+ <Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
1324
+ <DPM Name="Backend Pmt" Type="DPM">748.75</DPM>
1325
+ </Rule>
1326
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
1327
+ <DPM Name="Goal Payment" Type="DPM">748.75</DPM>
1328
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
1329
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
1330
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
1331
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
1332
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
1333
+ <DPM Name="Status" Type="DPM">True</DPM>
1334
+ <DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
1335
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
1336
+ <DPM Name="Floor Rate" Type="DPM">5</DPM>
1337
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
1338
+ </Rule>
1339
+ <Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="False">
1340
+ </Rule>
1341
+ <Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="False">
1342
+ </Rule>
1343
+ <Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
1344
+ <DPM Name="Backend Rate" Type="DPM">8.125</DPM>
1345
+ <DPM Name="Backend Term" Type="DPM">333</DPM>
1346
+ <DPM Name="Backend Pmt" Type="DPM">757.115361865311</DPM>
1347
+ </Rule>
1348
+ <Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
1349
+ <DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
1350
+ </Rule>
1351
+ <Rule Name="CalcBalanceFromDTI" Id="1587" ConditionResult="False">
1352
+ </Rule>
1353
+ <Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
1354
+ </Rule>
1355
+ <Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
1356
+ </Rule>
1357
+ <Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
1358
+ </Rule>
1359
+ <Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
1360
+ <DPM Name="Target DTI" Type="DPM">30</DPM>
1361
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
1362
+ </Rule>
1363
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
1364
+ <DPM Name="Target Payment" Type="DPM">599.5</DPM>
1365
+ <DPM Name="Target Payment" Type="DPM">349.5</DPM>
1366
+ </Rule>
1367
+ <Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
1368
+ <DPM Name="Gross Target 2 Payment" Type="DPM">349.5</DPM>
1369
+ </Rule>
1370
+ <Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
1371
+ <DPM Name="Proposed Rate" Type="DPM">5</DPM>
1372
+ <DPM Name="Proposed Pmt" Type="DPM">555.866542232696</DPM>
1373
+ </Rule>
1374
+ <Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
1375
+ </Rule>
1376
+ <Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
1377
+ </Rule>
1378
+ <Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
1379
+ <DPM Name="Proposed Term" Type="DPM">60</DPM>
1380
+ </Rule>
1381
+ <Rule Name="ShowResults" Id="187" ConditionResult="True">
1382
+ <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Rate: 5. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Payment: 555.866542232696. ]]></Message> <Message Type="FINDINGS" RuleId="187" RulesetId="2" Id="0" PriorTo="" Category="" Visibility="" Critical=""><![CDATA[ Proposed Term: 60. ]]></Message> </Rule>
1383
+ </Rules>
1384
+ <Decision GuidelineId="2" Rulecount="0" ExecutionTime="3/12/2010 11:43:35 AM" ExecutionResult="True">
1385
+ <Messages>
1386
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Rate: 5]]></Message>
1387
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Payment: 555.866542232696]]></Message>
1388
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Term: 60]]></Message>
1389
+ </Messages>
1390
+ <DerivedParameters>
1391
+ <DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">333</DPM>
1392
+ <DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="3">757.115361865311</DPM>
1393
+ <DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="3">0</DPM>
1394
+ <DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">8.125</DPM>
1395
+ <DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">333</DPM>
1396
+ <DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
1397
+ <DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
1398
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
1399
+ <DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
1400
+ <DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
1401
+ <DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
1402
+ <DPM Name="Proposed Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
1403
+ <DPM Name="Proposed Pmt" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
1404
+ <DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
1405
+ <DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="3">349.5</DPM>
1406
+ <DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
1407
+ <DPM Name="Target Payment" Type="DPM" Order="0" ProductType="3">349.5</DPM>
1408
+ <DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1409
+ <DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
1410
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">85</DPM>
1411
+ <DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1412
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
1413
+ <DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1414
+ <DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4.5</DPM>
1415
+ <DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">5</DPM>
1416
+ <DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">1/1/2038</DPM>
1417
+ <DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">333</DPM>
1418
+ <DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
1419
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
1420
+ <DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
1421
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
1422
+ <DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
1423
+ <DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
1424
+ <DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
1425
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
1426
+ <DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
1427
+ <DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
1428
+ <DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
1429
+ <DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
1430
+ <DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
1431
+ <DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
1432
+ <DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
1433
+ <DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="3">748.75</DPM>
1434
+ <DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="3">500</DPM>
1435
+ <DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
1436
+ <DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
1437
+ <DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="3">1998.33333333333</DPM>
1438
+ <DPM Name="Current UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
1439
+ <DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
1440
+ <DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
1441
+ <DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
1442
+ <DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">17.5</DPM>
1443
+ <DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="3">750</DPM>
1444
+ <DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
1445
+ <DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
1446
+ <DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
1447
+ <DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">333</DPM>
1448
+ <DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">333</DPM>
1449
+ <DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
1450
+ <DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">Short Term</DPM>
1451
+ <DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="3">250</DPM>
1452
+ <DPM Name="Status" Type="DPM" Order="0" ProductType="1">True</DPM>
1453
+ <DPM Name="interest" Type="DPM" Order="0" ProductType="4">17.5</DPM>
1454
+ <DPM Name="New UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
1455
+ <DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">0</DPM>
1456
+ <DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
1457
+ <DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1458
+ <DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1459
+ <DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
1460
+ <DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
1461
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
1462
+ <DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
1463
+ <DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
1464
+ <DPM Name="Min UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
1465
+ <DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
1466
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
1467
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
1468
+ <DPM Name="today" Type="DPM" Order="0" ProductType="2">3/12/2010</DPM>
1469
+ <DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
1470
+ <DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
1471
+ <DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
1472
+ <DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable+</DPM>
1473
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="3">555.866542232696</DPM>
1474
+ <DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">2</DPM>
1475
+ <DPM Name="Max UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
1476
+ <DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
1477
+ <DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
1478
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="3">805.866542232696</DPM>
1479
+ </DerivedParameters>
1480
+ </Decision>
1481
+