parse_decision 0.0.5

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Files changed (68) hide show
  1. checksums.yaml +7 -0
  2. data/.gitignore +17 -0
  3. data/.rspec +2 -0
  4. data/Gemfile +6 -0
  5. data/LICENSE +22 -0
  6. data/README.md +71 -0
  7. data/bin/parse_decision +126 -0
  8. data/lib/parse_decision/config.rb +90 -0
  9. data/lib/parse_decision/controller.rb +142 -0
  10. data/lib/parse_decision/parsedecisiontask.rb +31 -0
  11. data/lib/parse_decision/parser.rb +194 -0
  12. data/lib/parse_decision/pd_context.rb +148 -0
  13. data/lib/parse_decision/plugin/application.rb +48 -0
  14. data/lib/parse_decision/plugin/plugin.rb +56 -0
  15. data/lib/parse_decision/plugin/ppm_xpath.rb +70 -0
  16. data/lib/parse_decision/plugin/pre_decision_guideline.rb +177 -0
  17. data/lib/parse_decision/plugin/product.rb +176 -0
  18. data/lib/parse_decision/plugin/product_xpath.rb +52 -0
  19. data/lib/parse_decision/plugin/web_product.rb +179 -0
  20. data/lib/parse_decision/plugin.rb +50 -0
  21. data/lib/parse_decision/version.rb +5 -0
  22. data/lib/parse_decision.rb +59 -0
  23. data/parse_decision.gemspec +27 -0
  24. data/rakefile.rb +58 -0
  25. data/spec/context_spec.rb +21 -0
  26. data/spec/data/multiproduct.decision.txt +1481 -0
  27. data/spec/data/prod.decision.txt +3957 -0
  28. data/spec/data/reference/multiproduct/001-APP.xml +1 -0
  29. data/spec/data/reference/multiproduct/001-Mod-Forbear-PRODUCT.xml +357 -0
  30. data/spec/data/reference/multiproduct/001-Mod-Forgive-PRODUCT.xml +361 -0
  31. data/spec/data/reference/multiproduct/001-Mod-RateTerm-PRODUCT.xml +353 -0
  32. data/spec/data/reference/multiproduct/001-Mod-SAM-PRODUCT.xml +365 -0
  33. data/spec/data/reference/product/001-APP.xml +1 -0
  34. data/spec/data/reference/product/001-Validation-Rules.xml +536 -0
  35. data/spec/data/reference/product/002-APP.xml +1 -0
  36. data/spec/data/reference/product/002-FAPIILoanModification-PRODUCT.xml +1770 -0
  37. data/spec/data/reference/web/001-APP.xml +1 -0
  38. data/spec/data/reference/web/001-Product01-PRODUCT.xml +1088 -0
  39. data/spec/data/reference/web/002-APP.xml +1 -0
  40. data/spec/data/reference/web/002-Product01-PRODUCT.xml +15 -0
  41. data/spec/data/reference/workflow/001-APP.xml +1 -0
  42. data/spec/data/reference/workflow/001-WF-DataClearing-Pre-Rules.xml +37 -0
  43. data/spec/data/reference/workflow-2/001-APP.xml +1 -0
  44. data/spec/data/reference/workflow-2/001-WF-ProdSel-Post-Rules.xml +699 -0
  45. data/spec/data/test.rb +13 -0
  46. data/spec/data/validation.decision.txt +1199 -0
  47. data/spec/data/web.decision.txt +1128 -0
  48. data/spec/data/wf.decision.txt +43 -0
  49. data/spec/data/wf2.decision.txt +705 -0
  50. data/spec/parser_spec.rb +308 -0
  51. data/spec/plugin_app_spec.rb +40 -0
  52. data/spec/plugin_ppmxpath_spec.rb +74 -0
  53. data/spec/plugin_predecision_spec.rb +81 -0
  54. data/spec/plugin_product_spec.rb +117 -0
  55. data/spec/plugin_productxpath_spec.rb +76 -0
  56. data/spec/plugin_spec.rb +54 -0
  57. data/spec/spec_helper.rb +81 -0
  58. data/test/data/2.2.decision-multiple.txt +1391 -0
  59. data/test/data/2.2.decision.txt +1128 -0
  60. data/test/data/2.decision.txt +1481 -0
  61. data/test/plugins/test_plugin_predecisionguideline.rb +120 -0
  62. data/test/plugins/test_plugin_product.rb +120 -0
  63. data/test/test_config.rb +90 -0
  64. data/test/test_context.rb +103 -0
  65. data/test/test_parse_webdecision.rb +121 -0
  66. data/test/test_parser.rb +69 -0
  67. data/test/test_parser_parse.rb +110 -0
  68. metadata +225 -0
data/spec/data/reference/multiproduct/001-Mod-RateTerm-PRODUCT.xml ADDED
@@ -0,0 +1,353 @@
1
+ <PRODUCT_DATA>
2
+ <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>
3
+ <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>
4
+ <Rules> <Rule Name="IMPC Initialization PLK.1" Id="1437" ConditionResult="True">
5
+ <DPM Name="Lien Number" Type="DPM">1</DPM>
6
+ <DPM Name="Future Income" Type="DPM">Improve</DPM>
7
+ <DPM Name="Hardship Severity" Type="DPM">Moderate</DPM>
8
+ <DPM Name="Hardship Term" Type="DPM">Short Term</DPM>
9
+ <DPM Name="Gross Target DTI1" Type="DPM">0</DPM>
10
+ <DPM Name="Gross Target DTI2" Type="DPM">0</DPM>
11
+ <DPM Name="Backend Target DTI" Type="DPM">0</DPM>
12
+ <DPM Name="Decision" Type="DPM">Pass</DPM>
13
+ <DPM Name="Rate Matrix Group" Type="DPM">0</DPM>
14
+ <DPM Name="Min LTV" Type="DPM">0</DPM>
15
+ <DPM Name="Max LTV" Type="DPM">0</DPM>
16
+ <DPM Name="Min CLTV" Type="DPM">0</DPM>
17
+ <DPM Name="Max CLTV" Type="DPM">0</DPM>
18
+ <DPM Name="Min UPB" Type="DPM">0</DPM>
19
+ <DPM Name="Max UPB" Type="DPM">0</DPM>
20
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
21
+ <DPM Name="Motivation" Type="DPM">ContinuetoOwntheHomeandLiveinit</DPM>
22
+ <DPM Name="Months Delinquent" Type="DPM">0</DPM>
23
+ <DPM Name="Current Occupancy" Type="DPM">PrimaryResidence</DPM>
24
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
25
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
26
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
27
+ <DPM Name="Min Rate-RateTerm" Type="DPM">0</DPM>
28
+ <DPM Name="Min Rate-Forbear" Type="DPM">0</DPM>
29
+ <DPM Name="Min Rate-Forgive" Type="DPM">0</DPM>
30
+ <DPM Name="Min Rate-SAM" Type="DPM">0</DPM>
31
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
32
+ <DPM Name="Mod Term1" Type="DPM">0</DPM>
33
+ <DPM Name="Mod Term2" Type="DPM">0</DPM>
34
+ <DPM Name="Term Rate Threshold" Type="DPM">0</DPM>
35
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
36
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
37
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
38
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
39
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
40
+ <DPM Name="Property Type" Type="DPM">SingleFamily</DPM>
41
+ <DPM Name="No of Units" Type="DPM">1</DPM>
42
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
43
+ <DPM Name="Mortgage Owner" Type="DPM">Private</DPM>
44
+ <DPM Name="LTV" Type="DPM">85</DPM>
45
+ <DPM Name="CLTV" Type="DPM">0</DPM>
46
+ <DPM Name="Housing Region" Type="DPM">Stable+</DPM>
47
+ <DPM Name="Best Fit Display" Type="DPM">All</DPM>
48
+ </Rule>
49
+ <Rule Name="IMPC DelinquencyStatus PLK.1" Id="1535" ConditionResult="False">
50
+ </Rule>
51
+ <Rule Name="IMPC DelinquencyStatus PLK.2" Id="1536" ConditionResult="False">
52
+ </Rule>
53
+ <Rule Name="IMPC DelinquencyStatus PLK.3" Id="1537" ConditionResult="False">
54
+ </Rule>
55
+ <Rule Name="IMPC DelinquencyStatus PLK.4" Id="1538" ConditionResult="False">
56
+ </Rule>
57
+ <Rule Name="IMPC DelinquencyStatus PLK.5" Id="1539" ConditionResult="False">
58
+ </Rule>
59
+ <Rule Name="IMPC DelinquencyStatus PLK.6" Id="1540" ConditionResult="False">
60
+ </Rule>
61
+ <Rule Name="IMPC SetMotivation PLK.1" Id="1529" ConditionResult="False">
62
+ </Rule>
63
+ <Rule Name="IMPC SetMotivation PLK.2" Id="1530" ConditionResult="True">
64
+ <DPM Name="Motivation" Type="DPM">Wish To Stay</DPM>
65
+ </Rule>
66
+ <Rule Name="IMPC SetPropertyValuation PLK.1" Id="1561" ConditionResult="True">
67
+ <DPM Name="Valuation Type" Type="DPM">AVM</DPM>
68
+ </Rule>
69
+ <Rule Name="IMPC SetOccupancy PLK.1" Id="1407" ConditionResult="True">
70
+ <DPM Name="Current Occupancy" Type="DPM">Owner</DPM>
71
+ <DPM Name="Debt Source Property" Type="DPM">Primary</DPM>
72
+ <DPM Name="Income Type" Type="DPM">Borr Income</DPM>
73
+ </Rule>
74
+ <Rule Name="IMPC SetProductCode PLK.1" Id="1565" ConditionResult="True">
75
+ <DPM Name="Product Code" Type="DPM">2</DPM>
76
+ </Rule>
77
+ <Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="1411" ConditionResult="True">
78
+ <DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
79
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
80
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
81
+ <DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
82
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
83
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
84
+ <DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
85
+ <DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
86
+ <DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
87
+ </Rule>
88
+ <Rule Name="IMPC SetTargetDTIs PLK.1" Id="1574" ConditionResult="True">
89
+ <DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
90
+ <DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
91
+ <DPM Name="Backend Target DTI" Type="DPM">75</DPM>
92
+ </Rule>
93
+ <Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="1541" ConditionResult="False">
94
+ </Rule>
95
+ <Rule Name="IMPC SetRateMatrixGroup PLK.2" Id="1542" ConditionResult="True">
96
+ <DPM Name="Full UW Trigger" Type="DPM">No</DPM>
97
+ <DPM Name="Rate Matrix Group" Type="DPM">2</DPM>
98
+ </Rule>
99
+ <Rule Name="IMPC SetRatesAndTerms PLK.1" Id="1438" ConditionResult="False">
100
+ </Rule>
101
+ <Rule Name="IMPC SetRatesAndTerms PLK.2" Id="1439" ConditionResult="True">
102
+ <DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
103
+ <DPM Name="Test Backend" Type="DPM">No</DPM>
104
+ <DPM Name="Min Rate-RateTerm" Type="DPM">4.5</DPM>
105
+ <DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
106
+ <DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
107
+ <DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
108
+ <DPM Name="Rate Increment" Type="DPM">0.125</DPM>
109
+ <DPM Name="Mod Term1" Type="DPM">60</DPM>
110
+ <DPM Name="Mod Term2" Type="DPM">24</DPM>
111
+ <DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
112
+ <DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
113
+ <DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
114
+ <DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
115
+ <DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
116
+ <DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
117
+ </Rule>
118
+ <Rule Name="IMPC SetMinRate PLK.1" Id="1577" ConditionResult="True">
119
+ <DPM Name="Min Rate" Type="DPM">4.5</DPM>
120
+ </Rule>
121
+ <Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
122
+ <DPM Name="Maturity Date" Type="DPM">1/1/2038 12:00:00 AM</DPM>
123
+ <DPM Name="today" Type="DPM">3/12/2010 12:00:00 AM</DPM>
124
+ <DPM Name="Remaining Term" Type="DPM">333</DPM>
125
+ </Rule>
126
+ <Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
127
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
128
+ </Rule>
129
+ <Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
130
+ <DPM Name="interest" Type="DPM">17.5</DPM>
131
+ <DPM Name="DQ Interest" Type="DPM">0</DPM>
132
+ </Rule>
133
+ <Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
134
+ </Rule>
135
+ <Rule Name="CalcNewUpb" Id="5" ConditionResult="True">
136
+ <DPM Name="New UPB" Type="DPM">100000</DPM>
137
+ </Rule>
138
+ <Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
139
+ <DPM Name="Monthly Income" Type="DPM">481</DPM>
140
+ <DPM Name="Monthly Income" Type="DPM">851.333333333333</DPM>
141
+ <DPM Name="Monthly Income" Type="DPM">1332.33333333333</DPM>
142
+ <DPM Name="Monthly Income" Type="DPM">1998.33333333333</DPM>
143
+ </Rule>
144
+ <Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
145
+ <DPM Name="Present Monthly Expenses" Type="DPM">750</DPM>
146
+ <DPM Name="Housing Expenses" Type="DPM">250</DPM>
147
+ <DPM Name="Monthly Liabilities" Type="DPM">500</DPM>
148
+ </Rule>
149
+ <Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
150
+ <DPM Name="Target DTI" Type="DPM">40</DPM>
151
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
152
+ </Rule>
153
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
154
+ <DPM Name="Target Payment" Type="DPM">799.333333333333</DPM>
155
+ <DPM Name="Target Payment" Type="DPM">549.333333333333</DPM>
156
+ </Rule>
157
+ <Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
158
+ <DPM Name="Gross Target 1 Payment" Type="DPM">549.333333333333</DPM>
159
+ </Rule>
160
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
161
+ <DPM Name="Goal Payment" Type="DPM">549.333333333333</DPM>
162
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
163
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
164
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
165
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
166
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
167
+ <DPM Name="Status" Type="DPM">True</DPM>
168
+ <DPM Name="Floor Rate" Type="DPM">0.00375</DPM>
169
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">526.340849592389</DPM>
170
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
171
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">776.340849592389</DPM>
172
+ </Rule>
173
+ <Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="False">
174
+ </Rule>
175
+ <Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="False">
176
+ </Rule>
177
+ <Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
178
+ <DPM Name="Gross Target 1 Rate" Type="DPM">5</DPM>
179
+ <DPM Name="Gross Target 1 Payment" Type="DPM">555.866542232696</DPM>
180
+ <DPM Name="Gross Target 1 Term" Type="DPM">333</DPM>
181
+ </Rule>
182
+ <Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
183
+ <DPM Name="Backend DTI" Type="DPM">65.3477835979664</DPM>
184
+ </Rule>
185
+ <Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
186
+ </Rule>
187
+ <Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
188
+ <DPM Name="Backend DTI" Type="DPM">75</DPM>
189
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
190
+ </Rule>
191
+ <Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
192
+ <DPM Name="Target Payment" Type="DPM">1498.75</DPM>
193
+ <DPM Name="Target Payment" Type="DPM">748.75</DPM>
194
+ </Rule>
195
+ <Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
196
+ <DPM Name="Backend Pmt" Type="DPM">748.75</DPM>
197
+ </Rule>
198
+ <Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
199
+ <DPM Name="Goal Payment" Type="DPM">748.75</DPM>
200
+ <DPM Name="Current UPB" Type="DPM">100000</DPM>
201
+ <DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
202
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
203
+ <DPM Name="Max Term Extension" Type="DPM">333</DPM>
204
+ <DPM Name="Floor Term" Type="DPM">333</DPM>
205
+ <DPM Name="Status" Type="DPM">True</DPM>
206
+ <DPM Name="Floor Rate" Type="DPM">0.00375</DPM>
207
+ <DPM Name="Monthly PI at Floor Rate" Type="DPM">526.340849592389</DPM>
208
+ <DPM Name="Floor Rate" Type="DPM">4.5</DPM>
209
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM">776.340849592389</DPM>
210
+ </Rule>
211
+ <Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="False">
212
+ </Rule>
213
+ <Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="False">
214
+ </Rule>
215
+ <Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
216
+ <DPM Name="Backend Rate" Type="DPM">8.125</DPM>
217
+ <DPM Name="Backend Term" Type="DPM">333</DPM>
218
+ <DPM Name="Backend Pmt" Type="DPM">757.115361865311</DPM>
219
+ </Rule>
220
+ <Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
221
+ <DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
222
+ </Rule>
223
+ <Rule Name="CalcBalanceFromDTI" Id="1587" ConditionResult="False">
224
+ </Rule>
225
+ <Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
226
+ </Rule>
227
+ <Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
228
+ </Rule>
229
+ <Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
230
+ </Rule>
231
+ <Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
232
+ <DPM Name="Target DTI" Type="DPM">30</DPM>
233
+ <DPM Name="Target Payment" Type="DPM">0</DPM>
234
+ </Rule>
235
+ <Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
236
+ <DPM Name="Target Payment" Type="DPM">599.5</DPM>
237
+ <DPM Name="Target Payment" Type="DPM">349.5</DPM>
238
+ </Rule>
239
+ <Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
240
+ <DPM Name="Gross Target 2 Payment" Type="DPM">349.5</DPM>
241
+ </Rule>
242
+ <Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
243
+ <DPM Name="Proposed Rate" Type="DPM">5</DPM>
244
+ <DPM Name="Proposed Pmt" Type="DPM">555.866542232696</DPM>
245
+ </Rule>
246
+ <Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
247
+ </Rule>
248
+ <Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
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+ </Rule>
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+ <Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
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+ <DPM Name="Proposed Term" Type="DPM">60</DPM>
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+ </Rule>
253
+ <Rule Name="ShowResults" Id="187" ConditionResult="True">
254
+ <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>
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+ </Rules>
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+ <Decision GuidelineId="2" Rulecount="0" ExecutionTime="3/12/2010 11:43:34 AM" ExecutionResult="True">
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+ <Messages>
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+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Rate: 5]]></Message>
259
+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Payment: 555.866542232696]]></Message>
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+ <Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Term: 60]]></Message>
261
+ </Messages>
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+ <DerivedParameters>
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+ <DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">333</DPM>
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+ <DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="3">757.115361865311</DPM>
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+ <DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="3">0</DPM>
266
+ <DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">8.125</DPM>
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+ <DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">333</DPM>
268
+ <DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
269
+ <DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
270
+ <DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
271
+ <DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
272
+ <DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
273
+ <DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
274
+ <DPM Name="Proposed Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
275
+ <DPM Name="Proposed Pmt" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
276
+ <DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
277
+ <DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="3">349.5</DPM>
278
+ <DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
279
+ <DPM Name="Target Payment" Type="DPM" Order="0" ProductType="3">349.5</DPM>
280
+ <DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
281
+ <DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
282
+ <DPM Name="LTV" Type="DPM" Order="0" ProductType="4">85</DPM>
283
+ <DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
284
+ <DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
285
+ <DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
286
+ <DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4.5</DPM>
287
+ <DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">2</DPM>
288
+ <DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">1/1/2038</DPM>
289
+ <DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">333</DPM>
290
+ <DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
291
+ <DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
292
+ <DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
293
+ <DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
294
+ <DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
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+ <DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
296
+ <DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
297
+ <DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
298
+ <DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
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+ <DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
300
+ <DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
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+ <DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
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+ <DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">4.5</DPM>
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+ <DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
304
+ <DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
305
+ <DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="3">748.75</DPM>
306
+ <DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="3">500</DPM>
307
+ <DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
308
+ <DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
309
+ <DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="3">1998.33333333333</DPM>
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+ <DPM Name="Current UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
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+ <DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
312
+ <DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
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+ <DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
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+ <DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">17.5</DPM>
315
+ <DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="3">750</DPM>
316
+ <DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
317
+ <DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">4.5</DPM>
318
+ <DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
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+ <DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">333</DPM>
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+ <DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">333</DPM>
321
+ <DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
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+ <DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">Short Term</DPM>
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+ <DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="3">250</DPM>
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+ <DPM Name="Status" Type="DPM" Order="0" ProductType="1">True</DPM>
325
+ <DPM Name="interest" Type="DPM" Order="0" ProductType="4">17.5</DPM>
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+ <DPM Name="New UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
327
+ <DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">0</DPM>
328
+ <DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
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+ <DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
330
+ <DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
331
+ <DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
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+ <DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
333
+ <DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
334
+ <DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
335
+ <DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
336
+ <DPM Name="Min UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
337
+ <DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
338
+ <DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
339
+ <DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
340
+ <DPM Name="today" Type="DPM" Order="0" ProductType="2">3/12/2010</DPM>
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+ <DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
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+ <DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
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+ <DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
344
+ <DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable+</DPM>
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+ <DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="3">526.340849592389</DPM>
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+ <DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">2</DPM>
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+ <DPM Name="Max UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
348
+ <DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
349
+ <DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
350
+ <DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="3">776.340849592389</DPM>
351
+ </DerivedParameters>
352
+ </Decision>
353
+ </PRODUCT_DATA>