parse_decision 0.0.5
Sign up to get free protection for your applications and to get access to all the features.
- checksums.yaml +7 -0
- data/.gitignore +17 -0
- data/.rspec +2 -0
- data/Gemfile +6 -0
- data/LICENSE +22 -0
- data/README.md +71 -0
- data/bin/parse_decision +126 -0
- data/lib/parse_decision/config.rb +90 -0
- data/lib/parse_decision/controller.rb +142 -0
- data/lib/parse_decision/parsedecisiontask.rb +31 -0
- data/lib/parse_decision/parser.rb +194 -0
- data/lib/parse_decision/pd_context.rb +148 -0
- data/lib/parse_decision/plugin/application.rb +48 -0
- data/lib/parse_decision/plugin/plugin.rb +56 -0
- data/lib/parse_decision/plugin/ppm_xpath.rb +70 -0
- data/lib/parse_decision/plugin/pre_decision_guideline.rb +177 -0
- data/lib/parse_decision/plugin/product.rb +176 -0
- data/lib/parse_decision/plugin/product_xpath.rb +52 -0
- data/lib/parse_decision/plugin/web_product.rb +179 -0
- data/lib/parse_decision/plugin.rb +50 -0
- data/lib/parse_decision/version.rb +5 -0
- data/lib/parse_decision.rb +59 -0
- data/parse_decision.gemspec +27 -0
- data/rakefile.rb +58 -0
- data/spec/context_spec.rb +21 -0
- data/spec/data/multiproduct.decision.txt +1481 -0
- data/spec/data/prod.decision.txt +3957 -0
- data/spec/data/reference/multiproduct/001-APP.xml +1 -0
- data/spec/data/reference/multiproduct/001-Mod-Forbear-PRODUCT.xml +357 -0
- data/spec/data/reference/multiproduct/001-Mod-Forgive-PRODUCT.xml +361 -0
- data/spec/data/reference/multiproduct/001-Mod-RateTerm-PRODUCT.xml +353 -0
- data/spec/data/reference/multiproduct/001-Mod-SAM-PRODUCT.xml +365 -0
- data/spec/data/reference/product/001-APP.xml +1 -0
- data/spec/data/reference/product/001-Validation-Rules.xml +536 -0
- data/spec/data/reference/product/002-APP.xml +1 -0
- data/spec/data/reference/product/002-FAPIILoanModification-PRODUCT.xml +1770 -0
- data/spec/data/reference/web/001-APP.xml +1 -0
- data/spec/data/reference/web/001-Product01-PRODUCT.xml +1088 -0
- data/spec/data/reference/web/002-APP.xml +1 -0
- data/spec/data/reference/web/002-Product01-PRODUCT.xml +15 -0
- data/spec/data/reference/workflow/001-APP.xml +1 -0
- data/spec/data/reference/workflow/001-WF-DataClearing-Pre-Rules.xml +37 -0
- data/spec/data/reference/workflow-2/001-APP.xml +1 -0
- data/spec/data/reference/workflow-2/001-WF-ProdSel-Post-Rules.xml +699 -0
- data/spec/data/test.rb +13 -0
- data/spec/data/validation.decision.txt +1199 -0
- data/spec/data/web.decision.txt +1128 -0
- data/spec/data/wf.decision.txt +43 -0
- data/spec/data/wf2.decision.txt +705 -0
- data/spec/parser_spec.rb +308 -0
- data/spec/plugin_app_spec.rb +40 -0
- data/spec/plugin_ppmxpath_spec.rb +74 -0
- data/spec/plugin_predecision_spec.rb +81 -0
- data/spec/plugin_product_spec.rb +117 -0
- data/spec/plugin_productxpath_spec.rb +76 -0
- data/spec/plugin_spec.rb +54 -0
- data/spec/spec_helper.rb +81 -0
- data/test/data/2.2.decision-multiple.txt +1391 -0
- data/test/data/2.2.decision.txt +1128 -0
- data/test/data/2.decision.txt +1481 -0
- data/test/plugins/test_plugin_predecisionguideline.rb +120 -0
- data/test/plugins/test_plugin_product.rb +120 -0
- data/test/test_config.rb +90 -0
- data/test/test_context.rb +103 -0
- data/test/test_parse_webdecision.rb +121 -0
- data/test/test_parser.rb +69 -0
- data/test/test_parser_parse.rb +110 -0
- metadata +225 -0
|
@@ -0,0 +1,365 @@
|
|
|
1
|
+
<PRODUCT_DATA>
|
|
2
|
+
<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>
|
|
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-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>
|
|
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="False">
|
|
75
|
+
</Rule>
|
|
76
|
+
<Rule Name="IMPC SetProductCode PLK.2" Id="1566" ConditionResult="False">
|
|
77
|
+
</Rule>
|
|
78
|
+
<Rule Name="IMPC SetProductCode PLK.3" Id="1567" ConditionResult="False">
|
|
79
|
+
</Rule>
|
|
80
|
+
<Rule Name="IMPC SetProductCode PLK.4" Id="1568" ConditionResult="True">
|
|
81
|
+
<DPM Name="Product Code" Type="DPM">5</DPM>
|
|
82
|
+
</Rule>
|
|
83
|
+
<Rule Name="IMPC DetermineTargetDTIs PLK.1" Id="1411" ConditionResult="True">
|
|
84
|
+
<DPM Name="Gross Target DTI1-OO" Type="DPM">40</DPM>
|
|
85
|
+
<DPM Name="Gross Target DTI1-NOO" Type="DPM">110</DPM>
|
|
86
|
+
<DPM Name="Gross Target DTI1-2ND" Type="DPM">45</DPM>
|
|
87
|
+
<DPM Name="Gross Target DTI2-OO" Type="DPM">30</DPM>
|
|
88
|
+
<DPM Name="Gross Target DTI2-NOO" Type="DPM">110</DPM>
|
|
89
|
+
<DPM Name="Gross Target DTI2-2ND" Type="DPM">35</DPM>
|
|
90
|
+
<DPM Name="Backend Target DTI-OO" Type="DPM">75</DPM>
|
|
91
|
+
<DPM Name="Backend Target DTI-NOO" Type="DPM">75</DPM>
|
|
92
|
+
<DPM Name="Backend Target DTI-2ND" Type="DPM">80</DPM>
|
|
93
|
+
</Rule>
|
|
94
|
+
<Rule Name="IMPC SetTargetDTIs PLK.1" Id="1574" ConditionResult="True">
|
|
95
|
+
<DPM Name="Gross Target DTI1" Type="DPM">40</DPM>
|
|
96
|
+
<DPM Name="Gross Target DTI2" Type="DPM">30</DPM>
|
|
97
|
+
<DPM Name="Backend Target DTI" Type="DPM">75</DPM>
|
|
98
|
+
</Rule>
|
|
99
|
+
<Rule Name="IMPC SetRateMatrixGroup PLK.1" Id="1541" ConditionResult="False">
|
|
100
|
+
</Rule>
|
|
101
|
+
<Rule Name="IMPC SetRateMatrixGroup PLK.2" Id="1542" ConditionResult="True">
|
|
102
|
+
<DPM Name="Full UW Trigger" Type="DPM">No</DPM>
|
|
103
|
+
<DPM Name="Rate Matrix Group" Type="DPM">2</DPM>
|
|
104
|
+
</Rule>
|
|
105
|
+
<Rule Name="IMPC SetRatesAndTerms PLK.1" Id="1438" ConditionResult="False">
|
|
106
|
+
</Rule>
|
|
107
|
+
<Rule Name="IMPC SetRatesAndTerms PLK.2" Id="1439" ConditionResult="True">
|
|
108
|
+
<DPM Name="Available Products" Type="DPM">1|2|6|7|8|9|10</DPM>
|
|
109
|
+
<DPM Name="Test Backend" Type="DPM">No</DPM>
|
|
110
|
+
<DPM Name="Min Rate-RateTerm" Type="DPM">4.5</DPM>
|
|
111
|
+
<DPM Name="Min Rate-Forbear" Type="DPM">5</DPM>
|
|
112
|
+
<DPM Name="Min Rate-Forgive" Type="DPM">5</DPM>
|
|
113
|
+
<DPM Name="Min Rate-SAM" Type="DPM">5</DPM>
|
|
114
|
+
<DPM Name="Rate Increment" Type="DPM">0.125</DPM>
|
|
115
|
+
<DPM Name="Mod Term1" Type="DPM">60</DPM>
|
|
116
|
+
<DPM Name="Mod Term2" Type="DPM">24</DPM>
|
|
117
|
+
<DPM Name="Term Rate Threshold" Type="DPM">3</DPM>
|
|
118
|
+
<DPM Name="Forbearance Max Principle" Type="DPM">0</DPM>
|
|
119
|
+
<DPM Name="Forbearance Max Interest" Type="DPM">0</DPM>
|
|
120
|
+
<DPM Name="Forgive Max Principle" Type="DPM">0</DPM>
|
|
121
|
+
<DPM Name="Forgive Max Interest" Type="DPM">0</DPM>
|
|
122
|
+
<DPM Name="Borrower Deposit Reqd" Type="DPM">0</DPM>
|
|
123
|
+
</Rule>
|
|
124
|
+
<Rule Name="IMPC SetMinRate PLK.1" Id="1577" ConditionResult="False">
|
|
125
|
+
</Rule>
|
|
126
|
+
<Rule Name="IMPC SetMinRate PLK.2" Id="1578" ConditionResult="False">
|
|
127
|
+
</Rule>
|
|
128
|
+
<Rule Name="IMPC SetMinRate PLK.3" Id="1579" ConditionResult="False">
|
|
129
|
+
</Rule>
|
|
130
|
+
<Rule Name="IMPC SetMinRate PLK.4" Id="1580" ConditionResult="True">
|
|
131
|
+
<DPM Name="Min Rate" Type="DPM">5</DPM>
|
|
132
|
+
</Rule>
|
|
133
|
+
<Rule Name="CalcRemainingTerm" Id="1" ConditionResult="True">
|
|
134
|
+
<DPM Name="Maturity Date" Type="DPM">1/1/2038 12:00:00 AM</DPM>
|
|
135
|
+
<DPM Name="today" Type="DPM">3/12/2010 12:00:00 AM</DPM>
|
|
136
|
+
<DPM Name="Remaining Term" Type="DPM">333</DPM>
|
|
137
|
+
</Rule>
|
|
138
|
+
<Rule Name="CalcUnpaidBalance" Id="2" ConditionResult="True">
|
|
139
|
+
<DPM Name="Current UPB" Type="DPM">100000</DPM>
|
|
140
|
+
</Rule>
|
|
141
|
+
<Rule Name="CalcDqInterest" Id="3" ConditionResult="True">
|
|
142
|
+
<DPM Name="interest" Type="DPM">17.5</DPM>
|
|
143
|
+
<DPM Name="DQ Interest" Type="DPM">0</DPM>
|
|
144
|
+
</Rule>
|
|
145
|
+
<Rule Name="OverrideDqInterest" Id="4" ConditionResult="False">
|
|
146
|
+
</Rule>
|
|
147
|
+
<Rule Name="CalcNewUpb" Id="5" ConditionResult="True">
|
|
148
|
+
<DPM Name="New UPB" Type="DPM">100000</DPM>
|
|
149
|
+
</Rule>
|
|
150
|
+
<Rule Name="Calc-MonthlyIncome" Id="1590" ConditionResult="True">
|
|
151
|
+
<DPM Name="Monthly Income" Type="DPM">481</DPM>
|
|
152
|
+
<DPM Name="Monthly Income" Type="DPM">851.333333333333</DPM>
|
|
153
|
+
<DPM Name="Monthly Income" Type="DPM">1332.33333333333</DPM>
|
|
154
|
+
<DPM Name="Monthly Income" Type="DPM">1998.33333333333</DPM>
|
|
155
|
+
</Rule>
|
|
156
|
+
<Rule Name="Calc-MonthlyExpenses" Id="1591" ConditionResult="True">
|
|
157
|
+
<DPM Name="Present Monthly Expenses" Type="DPM">750</DPM>
|
|
158
|
+
<DPM Name="Housing Expenses" Type="DPM">250</DPM>
|
|
159
|
+
<DPM Name="Monthly Liabilities" Type="DPM">500</DPM>
|
|
160
|
+
</Rule>
|
|
161
|
+
<Rule Name="Setup-GrossTarget1DTI" Id="527" ConditionResult="True">
|
|
162
|
+
<DPM Name="Target DTI" Type="DPM">40</DPM>
|
|
163
|
+
<DPM Name="Target Payment" Type="DPM">0</DPM>
|
|
164
|
+
</Rule>
|
|
165
|
+
<Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
|
|
166
|
+
<DPM Name="Target Payment" Type="DPM">799.333333333333</DPM>
|
|
167
|
+
<DPM Name="Target Payment" Type="DPM">549.333333333333</DPM>
|
|
168
|
+
</Rule>
|
|
169
|
+
<Rule Name="Store-GrossTarget1Payment" Id="529" ConditionResult="True">
|
|
170
|
+
<DPM Name="Gross Target 1 Payment" Type="DPM">549.333333333333</DPM>
|
|
171
|
+
</Rule>
|
|
172
|
+
<Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
|
|
173
|
+
<DPM Name="Goal Payment" Type="DPM">549.333333333333</DPM>
|
|
174
|
+
<DPM Name="Current UPB" Type="DPM">100000</DPM>
|
|
175
|
+
<DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
|
|
176
|
+
<DPM Name="Floor Rate" Type="DPM">5</DPM>
|
|
177
|
+
<DPM Name="Max Term Extension" Type="DPM">333</DPM>
|
|
178
|
+
<DPM Name="Floor Term" Type="DPM">333</DPM>
|
|
179
|
+
<DPM Name="Status" Type="DPM">True</DPM>
|
|
180
|
+
<DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
|
|
181
|
+
<DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
|
|
182
|
+
<DPM Name="Floor Rate" Type="DPM">5</DPM>
|
|
183
|
+
<DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
|
|
184
|
+
</Rule>
|
|
185
|
+
<Rule Name="Target1GoalPaymentNotMet" Id="1581" ConditionResult="False">
|
|
186
|
+
</Rule>
|
|
187
|
+
<Rule Name="Target1GoalPaymentNotMet-Msgs" Id="1583" ConditionResult="False">
|
|
188
|
+
</Rule>
|
|
189
|
+
<Rule Name="Store-GrossTarget1RatePmt" Id="530" ConditionResult="True">
|
|
190
|
+
<DPM Name="Gross Target 1 Rate" Type="DPM">5</DPM>
|
|
191
|
+
<DPM Name="Gross Target 1 Payment" Type="DPM">555.866542232696</DPM>
|
|
192
|
+
<DPM Name="Gross Target 1 Term" Type="DPM">333</DPM>
|
|
193
|
+
</Rule>
|
|
194
|
+
<Rule Name="CalcBackendDTIwithProposedPmt" Id="180" ConditionResult="True">
|
|
195
|
+
<DPM Name="Backend DTI" Type="DPM">65.3477835979664</DPM>
|
|
196
|
+
</Rule>
|
|
197
|
+
<Rule Name="CheckBackendDTIagainstTargetDTI" Id="181" ConditionResult="False">
|
|
198
|
+
</Rule>
|
|
199
|
+
<Rule Name="Setup-BackendTargetDTI" Id="531" ConditionResult="True">
|
|
200
|
+
<DPM Name="Backend DTI" Type="DPM">75</DPM>
|
|
201
|
+
<DPM Name="Target Payment" Type="DPM">0</DPM>
|
|
202
|
+
</Rule>
|
|
203
|
+
<Rule Name="CalcTargetPmt-FromBeDTI" Id="532" ConditionResult="True">
|
|
204
|
+
<DPM Name="Target Payment" Type="DPM">1498.75</DPM>
|
|
205
|
+
<DPM Name="Target Payment" Type="DPM">748.75</DPM>
|
|
206
|
+
</Rule>
|
|
207
|
+
<Rule Name="Store-BackendTargetPayment" Id="533" ConditionResult="True">
|
|
208
|
+
<DPM Name="Backend Pmt" Type="DPM">748.75</DPM>
|
|
209
|
+
</Rule>
|
|
210
|
+
<Rule Name="CalcProposedRateTerm" Id="9" ConditionResult="True">
|
|
211
|
+
<DPM Name="Goal Payment" Type="DPM">748.75</DPM>
|
|
212
|
+
<DPM Name="Current UPB" Type="DPM">100000</DPM>
|
|
213
|
+
<DPM Name="Current Interest Rate" Type="DPM">17.5</DPM>
|
|
214
|
+
<DPM Name="Floor Rate" Type="DPM">5</DPM>
|
|
215
|
+
<DPM Name="Max Term Extension" Type="DPM">333</DPM>
|
|
216
|
+
<DPM Name="Floor Term" Type="DPM">333</DPM>
|
|
217
|
+
<DPM Name="Status" Type="DPM">True</DPM>
|
|
218
|
+
<DPM Name="Floor Rate" Type="DPM">0.00416666666666667</DPM>
|
|
219
|
+
<DPM Name="Monthly PI at Floor Rate" Type="DPM">555.866542232696</DPM>
|
|
220
|
+
<DPM Name="Floor Rate" Type="DPM">5</DPM>
|
|
221
|
+
<DPM Name="Monthly Payment at Floor Rate" Type="DPM">805.866542232696</DPM>
|
|
222
|
+
</Rule>
|
|
223
|
+
<Rule Name="TargetBeGoalPaymentNotMet" Id="1584" ConditionResult="False">
|
|
224
|
+
</Rule>
|
|
225
|
+
<Rule Name="TargetBeGoalPaymentNotMet-Msgs" Id="1585" ConditionResult="False">
|
|
226
|
+
</Rule>
|
|
227
|
+
<Rule Name="Store-BackendRateTerm" Id="534" ConditionResult="True">
|
|
228
|
+
<DPM Name="Backend Rate" Type="DPM">8.125</DPM>
|
|
229
|
+
<DPM Name="Backend Term" Type="DPM">333</DPM>
|
|
230
|
+
<DPM Name="Backend Pmt" Type="DPM">757.115361865311</DPM>
|
|
231
|
+
</Rule>
|
|
232
|
+
<Rule Name="CalcMaxForbearPrinciple" Id="1586" ConditionResult="False">
|
|
233
|
+
<DPM Name="Max Forbearance Principle" Type="DPM">0</DPM>
|
|
234
|
+
</Rule>
|
|
235
|
+
<Rule Name="CalcBalanceFromDTI" Id="1587" ConditionResult="False">
|
|
236
|
+
</Rule>
|
|
237
|
+
<Rule Name="CalcForbearAmount" Id="1588" ConditionResult="False">
|
|
238
|
+
</Rule>
|
|
239
|
+
<Rule Name="OverrideForbearPrincipleAmount" Id="1589" ConditionResult="False">
|
|
240
|
+
</Rule>
|
|
241
|
+
<Rule Name="SubtractForbearPrincipleAmountFromUPB" Id="1582" ConditionResult="False">
|
|
242
|
+
</Rule>
|
|
243
|
+
<Rule Name="Setup-GrossTarget2DTI" Id="535" ConditionResult="True">
|
|
244
|
+
<DPM Name="Target DTI" Type="DPM">30</DPM>
|
|
245
|
+
<DPM Name="Target Payment" Type="DPM">0</DPM>
|
|
246
|
+
</Rule>
|
|
247
|
+
<Rule Name="CalcTargetPmt-FromTargetDTI" Id="528" ConditionResult="True">
|
|
248
|
+
<DPM Name="Target Payment" Type="DPM">599.5</DPM>
|
|
249
|
+
<DPM Name="Target Payment" Type="DPM">349.5</DPM>
|
|
250
|
+
</Rule>
|
|
251
|
+
<Rule Name="Store-GrossTarget2Payment" Id="536" ConditionResult="True">
|
|
252
|
+
<DPM Name="Gross Target 2 Payment" Type="DPM">349.5</DPM>
|
|
253
|
+
</Rule>
|
|
254
|
+
<Rule Name="Set-ProposedRatePmt-Target1" Id="537" ConditionResult="True">
|
|
255
|
+
<DPM Name="Proposed Rate" Type="DPM">5</DPM>
|
|
256
|
+
<DPM Name="Proposed Pmt" Type="DPM">555.866542232696</DPM>
|
|
257
|
+
</Rule>
|
|
258
|
+
<Rule Name="Set-ProposedRatePmt-BeTarget" Id="538" ConditionResult="False">
|
|
259
|
+
</Rule>
|
|
260
|
+
<Rule Name="Set-ProposedRatePmt-Target2" Id="539" ConditionResult="False">
|
|
261
|
+
</Rule>
|
|
262
|
+
<Rule Name="Set-TermBasedOnTermRateThreshold" Id="540" ConditionResult="True">
|
|
263
|
+
<DPM Name="Proposed Term" Type="DPM">60</DPM>
|
|
264
|
+
</Rule>
|
|
265
|
+
<Rule Name="ShowResults" Id="187" ConditionResult="True">
|
|
266
|
+
<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>
|
|
267
|
+
</Rules>
|
|
268
|
+
<Decision GuidelineId="2" Rulecount="0" ExecutionTime="3/12/2010 11:43:35 AM" ExecutionResult="True">
|
|
269
|
+
<Messages>
|
|
270
|
+
<Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Rate: 5]]></Message>
|
|
271
|
+
<Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Payment: 555.866542232696]]></Message>
|
|
272
|
+
<Message Type="Findings" RuleId="187" RulesetId="2"><![CDATA[Proposed Term: 60]]></Message>
|
|
273
|
+
</Messages>
|
|
274
|
+
<DerivedParameters>
|
|
275
|
+
<DPM Name="Gross Target 1 Term" Type="DSM" Order="0" ProductType="4">333</DPM>
|
|
276
|
+
<DPM Name="Backend Pmt" Type="DSM" Order="0" ProductType="3">757.115361865311</DPM>
|
|
277
|
+
<DPM Name="DQ Interest" Type="DSM" Order="0" ProductType="3">0</DPM>
|
|
278
|
+
<DPM Name="Backend Rate" Type="DSM" Order="0" ProductType="4">8.125</DPM>
|
|
279
|
+
<DPM Name="Backend Term" Type="DSM" Order="0" ProductType="4">333</DPM>
|
|
280
|
+
<DPM Name="Gross Target DTI1" Type="DSM" Order="0" ProductType="4">40</DPM>
|
|
281
|
+
<DPM Name="Gross Target DTI2" Type="DSM" Order="0" ProductType="4">30</DPM>
|
|
282
|
+
<DPM Name="Decision" Type="DSM" Order="0" ProductType="6">Pass</DPM>
|
|
283
|
+
<DPM Name="Proposed Term" Type="DSM" Order="0" ProductType="4">60</DPM>
|
|
284
|
+
<DPM Name="Backend Target DTI" Type="DSM" Order="0" ProductType="4">75</DPM>
|
|
285
|
+
<DPM Name="Gross Target 1 Payment" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
|
|
286
|
+
<DPM Name="Proposed Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
|
|
287
|
+
<DPM Name="Proposed Pmt" Type="DSM" Order="0" ProductType="3">555.866542232696</DPM>
|
|
288
|
+
<DPM Name="Best Fit Display" Type="DSM" Order="0" ProductType="6">All</DPM>
|
|
289
|
+
<DPM Name="Gross Target 2 Payment" Type="DSM" Order="0" ProductType="3">349.5</DPM>
|
|
290
|
+
<DPM Name="Gross Target 1 Rate" Type="DSM" Order="0" ProductType="4">5</DPM>
|
|
291
|
+
<DPM Name="Target Payment" Type="DPM" Order="0" ProductType="3">349.5</DPM>
|
|
292
|
+
<DPM Name="Forgive Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
293
|
+
<DPM Name="Min Rate-Forbear" Type="DPM" Order="0" ProductType="4">5</DPM>
|
|
294
|
+
<DPM Name="LTV" Type="DPM" Order="0" ProductType="4">85</DPM>
|
|
295
|
+
<DPM Name="CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
296
|
+
<DPM Name="No of Units" Type="DPM" Order="0" ProductType="4">1</DPM>
|
|
297
|
+
<DPM Name="Max LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
298
|
+
<DPM Name="Min Rate-RateTerm" Type="DPM" Order="0" ProductType="4">4.5</DPM>
|
|
299
|
+
<DPM Name="Product Code" Type="DPM" Order="0" ProductType="4">5</DPM>
|
|
300
|
+
<DPM Name="Maturity Date" Type="DPM" Order="0" ProductType="2">1/1/2038</DPM>
|
|
301
|
+
<DPM Name="Remaining Term" Type="DPM" Order="0" ProductType="4">333</DPM>
|
|
302
|
+
<DPM Name="Backend Target DTI-NOO" Type="DPM" Order="0" ProductType="4">75</DPM>
|
|
303
|
+
<DPM Name="Gross Target DTI1-2ND" Type="DPM" Order="0" ProductType="4">45</DPM>
|
|
304
|
+
<DPM Name="Max Forbearance Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
|
|
305
|
+
<DPM Name="Gross Target DTI1-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
|
|
306
|
+
<DPM Name="Motivation" Type="DPM" Order="0" ProductType="6">Wish To Stay</DPM>
|
|
307
|
+
<DPM Name="Hardship Severity" Type="DPM" Order="0" ProductType="6">Moderate</DPM>
|
|
308
|
+
<DPM Name="Future Income" Type="DPM" Order="0" ProductType="6">Improve</DPM>
|
|
309
|
+
<DPM Name="Gross Target DTI2-2ND" Type="DPM" Order="0" ProductType="4">35</DPM>
|
|
310
|
+
<DPM Name="Current Occupancy" Type="DPM" Order="0" ProductType="6">Owner</DPM>
|
|
311
|
+
<DPM Name="Mod Term2" Type="DPM" Order="0" ProductType="4">24</DPM>
|
|
312
|
+
<DPM Name="Mod Term1" Type="DPM" Order="0" ProductType="4">60</DPM>
|
|
313
|
+
<DPM Name="Backend DTI" Type="DPM" Order="0" ProductType="4">75</DPM>
|
|
314
|
+
<DPM Name="Floor Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
|
|
315
|
+
<DPM Name="Full UW Trigger" Type="DPM" Order="0" ProductType="6">No</DPM>
|
|
316
|
+
<DPM Name="Rate Increment" Type="DPM" Order="0" ProductType="4">0.125</DPM>
|
|
317
|
+
<DPM Name="Goal Payment" Type="DPM" Order="0" ProductType="3">748.75</DPM>
|
|
318
|
+
<DPM Name="Monthly Liabilities" Type="DPM" Order="0" ProductType="3">500</DPM>
|
|
319
|
+
<DPM Name="Backend Target DTI-2ND" Type="DPM" Order="0" ProductType="4">80</DPM>
|
|
320
|
+
<DPM Name="Income Type" Type="DPM" Order="0" ProductType="6">Borr Income</DPM>
|
|
321
|
+
<DPM Name="Monthly Income" Type="DPM" Order="0" ProductType="3">1998.33333333333</DPM>
|
|
322
|
+
<DPM Name="Current UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
|
|
323
|
+
<DPM Name="Target DTI" Type="DPM" Order="0" ProductType="4">30</DPM>
|
|
324
|
+
<DPM Name="Gross Target DTI1-OO" Type="DPM" Order="0" ProductType="4">40</DPM>
|
|
325
|
+
<DPM Name="Gross Target DTI2-OO" Type="DPM" Order="0" ProductType="4">30</DPM>
|
|
326
|
+
<DPM Name="Current Interest Rate" Type="DPM" Order="0" ProductType="4">17.5</DPM>
|
|
327
|
+
<DPM Name="Present Monthly Expenses" Type="DPM" Order="0" ProductType="3">750</DPM>
|
|
328
|
+
<DPM Name="Valuation Type" Type="DPM" Order="0" ProductType="6">AVM</DPM>
|
|
329
|
+
<DPM Name="Min Rate" Type="DPM" Order="0" ProductType="4">5</DPM>
|
|
330
|
+
<DPM Name="Forbearance Max Interest" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
331
|
+
<DPM Name="Max Term Extension" Type="DPM" Order="0" ProductType="4">333</DPM>
|
|
332
|
+
<DPM Name="Floor Term" Type="DPM" Order="0" ProductType="4">333</DPM>
|
|
333
|
+
<DPM Name="Available Products" Type="DPM" Order="0" ProductType="6">1|2|6|7|8|9|10</DPM>
|
|
334
|
+
<DPM Name="Hardship Term" Type="DPM" Order="0" ProductType="6">Short Term</DPM>
|
|
335
|
+
<DPM Name="Housing Expenses" Type="DPM" Order="0" ProductType="3">250</DPM>
|
|
336
|
+
<DPM Name="Status" Type="DPM" Order="0" ProductType="1">True</DPM>
|
|
337
|
+
<DPM Name="interest" Type="DPM" Order="0" ProductType="4">17.5</DPM>
|
|
338
|
+
<DPM Name="New UPB" Type="DPM" Order="0" ProductType="3">100000</DPM>
|
|
339
|
+
<DPM Name="Months Delinquent" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
340
|
+
<DPM Name="Term Rate Threshold" Type="DPM" Order="0" ProductType="4">3</DPM>
|
|
341
|
+
<DPM Name="Min CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
342
|
+
<DPM Name="Min LTV" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
343
|
+
<DPM Name="Lien Number" Type="DPM" Order="0" ProductType="4">1</DPM>
|
|
344
|
+
<DPM Name="Debt Source Property" Type="DPM" Order="0" ProductType="6">Primary</DPM>
|
|
345
|
+
<DPM Name="Mortgage Owner" Type="DPM" Order="0" ProductType="6">Private</DPM>
|
|
346
|
+
<DPM Name="Min Rate-Forgive" Type="DPM" Order="0" ProductType="4">5</DPM>
|
|
347
|
+
<DPM Name="Forgive Max Principle" Type="DPM" Order="0" ProductType="3">0</DPM>
|
|
348
|
+
<DPM Name="Min UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
|
|
349
|
+
<DPM Name="Borrower Deposit Reqd" Type="DPM" Order="0" ProductType="5">0</DPM>
|
|
350
|
+
<DPM Name="Property Type" Type="DPM" Order="0" ProductType="6">SingleFamily</DPM>
|
|
351
|
+
<DPM Name="Gross Target DTI2-NOO" Type="DPM" Order="0" ProductType="4">110</DPM>
|
|
352
|
+
<DPM Name="today" Type="DPM" Order="0" ProductType="2">3/12/2010</DPM>
|
|
353
|
+
<DPM Name="Max CLTV" Type="DPM" Order="0" ProductType="4">0</DPM>
|
|
354
|
+
<DPM Name="Min Rate-SAM" Type="DPM" Order="0" ProductType="4">5</DPM>
|
|
355
|
+
<DPM Name="Test Backend" Type="DPM" Order="0" ProductType="6">No</DPM>
|
|
356
|
+
<DPM Name="Housing Region" Type="DPM" Order="0" ProductType="6">Stable+</DPM>
|
|
357
|
+
<DPM Name="Monthly PI at Floor Rate" Type="DPM" Order="0" ProductType="3">555.866542232696</DPM>
|
|
358
|
+
<DPM Name="Rate Matrix Group" Type="DPM" Order="0" ProductType="6">2</DPM>
|
|
359
|
+
<DPM Name="Max UPB" Type="DPM" Order="0" ProductType="3">0</DPM>
|
|
360
|
+
<DPM Name="Forbearance Max Principle" Type="DPM" Order="0" ProductType="5">0</DPM>
|
|
361
|
+
<DPM Name="Backend Target DTI-OO" Type="DPM" Order="0" ProductType="4">75</DPM>
|
|
362
|
+
<DPM Name="Monthly Payment at Floor Rate" Type="DPM" Order="0" ProductType="3">805.866542232696</DPM>
|
|
363
|
+
</DerivedParameters>
|
|
364
|
+
</Decision>
|
|
365
|
+
</PRODUCT_DATA>
|
|
@@ -0,0 +1 @@
|
|
|
1
|
+
<DECISION_REQUEST><APPLICATION ApplicationID="205" OrganizationID="27" CreatedDate="01/12/2013" ModifiedDate="02/25/2013" Summary="Batch Upload Application" StateID="3" State="01 New File" SpouseIncludeFlag="N" SpouseQualFlag="N" JointFlag="N" UserID="478" UserName="Import User" OrganizationName="Loan Import" ForwardDate="02/25/2013" UserTypeId="" Source="Internal" ActName="HSBC" InBankruptcy="N" BankruptcyStatus="None" BankruptcyReaffirmation="N" HideMessages="N" CalculatedCSPMonthlyGrossIncome="1.0000" CalculatedVerifiedGrossIncome="0.0000" IncomeTolerance="25.0000"><ORGANIZATION OrganizationID="27" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" /><USER UserID="478" IsSupervisor="0" UDFInt1="0" UDFInt2="0" UDFInt3="0" UDFInt4="0" UDFInt5="0" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5="" SubmittedUser="" /><APPLICATIONTEAM><APPLICATIONTEAM_USER FirstName="Import" LastName="User" OrganizationName="Loan Import" OriginType="Internal" UserType="Originator" UserID="478" LoginID="Import" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Region="CA" Zip="" PhoneNumber="" OrganizationID="27" /></APPLICATIONTEAM_USER><APPLICATIONTEAM_USER FirstName="The" LastName="Borrower" OrganizationName="HSBC Corporate" OriginType="Internal" UserType="Borrower" UserID="704" LoginID="borrower" UDFStr1="" UDFStr2="" UDFStr3="" UDFStr4="" UDFStr5=""><APPLICATIONTEAM_USER_ORGANIZATION Address="" City="" Zip="" PhoneNumber="" OrganizationID="2" /></APPLICATIONTEAM_USER></APPLICATIONTEAM><APPLICANTS><APPLICANT BorrowerID="205" FirstName="ELLER R CHINYE" NationalId="221461532" DateOfBirth="12/01/1958" IsPrimary="Y" Score="0" ForeignNationalIndicator="N" App1003ID="1" APA_1003_PRIMARY="true"><EMPLOYMENTS><EMPLOYMENT EmploymentID="205" IsSelfEmployed="N" Type="Primary" CurrentType="WageEarner" Retired="0" W2="Y" /><EMPLOYMENT EmploymentID="2205" IsSelfEmployed="N" Type="Previous" Retired="0" W2="Y" /></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="205" IsPresent="Y" IsMailing="N" /></RESIDENCES></APPLICANT><APPLICANT BorrowerID="1205" FirstName="DORCU CHINYE" NationalId="211489745" DateOfBirth="01/01/1953" IsPrimary="N" ForeignNationalIndicator="N" App1003ID="1" APA_1003_PRIMARY="false"><EMPLOYMENTS><EMPLOYMENT EmploymentID="1205" IsSelfEmployed="N" Type="Primary" CurrentType="UnemployedTemporary" Retired="0" W2="Y" /><EMPLOYMENT EmploymentID="3205" IsSelfEmployed="N" Type="Previous" Retired="0" W2="Y" /></EMPLOYMENTS><RESIDENCES><RESIDENCE ResidenceID="1205" IsPresent="Y" IsMailing="N" /></RESIDENCES></APPLICANT></APPLICANTS><ASSETS /><EXPENSES><EXPENSE ExpenseID="205" Amount="0.00" IsCurrent="Y" Type="HomeownerAssociationDues" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="1205" Amount="1.0000" IsCurrent="Y" Type="HazardInsurance" FrequencyID="3" MonthlyAmount="1.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="2205" Amount="1.0000" IsCurrent="Y" Type="RealEstateTaxes" FrequencyID="3" MonthlyAmount="1.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423217" Amount="0.0000" IsCurrent="Y" Type="IRAContributions401k" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423218" Amount="0.0000" IsCurrent="Y" Type="Academic" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423219" Amount="0.0000" IsCurrent="Y" Type="CableSatelliteInternet" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423220" Amount="0.0000" IsCurrent="Y" Type="CharitableDonations" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423221" Amount="0.0000" IsCurrent="Y" Type="ChildRelatedElderlyCare" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423222" Amount="0.0000" IsCurrent="Y" Type="Clothes" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423223" Amount="1.0000" IsCurrent="Y" Type="Electricity" FrequencyID="3" MonthlyAmount="1.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423224" Amount="0.0000" IsCurrent="Y" Type="Food" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423225" Amount="0.0000" IsCurrent="Y" Type="GarbageCollection" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423226" Amount="0.0000" IsCurrent="Y" Type="Medical" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423227" Amount="0.0000" IsCurrent="Y" Type="HealthInsurance" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423228" Amount="0.0000" IsCurrent="Y" Type="NaturalGasOil" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423229" Amount="0.0000" IsCurrent="Y" Type="OtherDiscretionary" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423230" Amount="0.0000" IsCurrent="Y" Type="OtherFinancingPAndI" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423231" Amount="0.0000" IsCurrent="Y" Type="PropertyMaintenance" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423232" Amount="0.0000" IsCurrent="Y" Type="Transportation" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423233" Amount="0.0000" IsCurrent="Y" Type="WaterSewer" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="Y"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423234" Amount="0.0000" IsCurrent="Y" Type="Alimony" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423235" Amount="0.0000" IsCurrent="Y" Type="Carpayment1" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423236" Amount="0.0000" IsCurrent="Y" Type="CreditCard1" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423237" Amount="0.0000" IsCurrent="Y" Type="EscrowPayment" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423238" Amount="0.0000" IsCurrent="Y" Type="FloodInsurance" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423239" Amount="0.0000" IsCurrent="Y" Type="Installments" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423240" Amount="0.0000" IsCurrent="Y" Type="AutoInsuarnce" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423241" Amount="0.0000" IsCurrent="Y" Type="OpenCreditLine" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423242" Amount="0.0000" IsCurrent="Y" Type="PMI" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE><EXPENSE ExpenseID="423243" Amount="0.0000" IsCurrent="Y" Type="StudentLoan" FrequencyID="3" MonthlyAmount="0.0000" BorrowerID="205" UnpaidBalance="0.0000" IsDiscretionary="N"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></EXPENSE></EXPENSES><INCOMES><INCOME IncomeID="980" Amount="0.0000" Type="Alimony" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="981" Amount="1.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" MonthlyAmount="1.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="982" Amount="0.0000" Type="BaseEmplIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="1" MonthlyAmount="0.0000" BorrowerID="1205"><APPLICANTS><APPLICANT ApplicantIDREF="1205" IsPrimary="N" NationalId="211489745" /></APPLICANTS></INCOME><INCOME IncomeID="983" Amount="0.0000" Type="ChildSupport" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="984" Amount="0.0000" Type="Commissions" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="985" Amount="0.0000" Type="DividendsOrInterest" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="986" Amount="0.0000" Type="Other" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="987" Amount="0.0000" Type="Overtime" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="988" Amount="0.0000" Type="PensionOrRetirementIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="989" Amount="0.0000" Type="NetRentalIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="990" Amount="0.0000" Type="RentalIncomeOtherProperties" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="991" Amount="0.0000" Type="SelfEmploymentIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="992" Amount="0.0000" Type="SocialSecurityOrDisabilityIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="993" Amount="0.0000" Type="TipsOrGratuities" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="994" Amount="0.0000" Type="TrustIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="995" Amount="0.0000" Type="UnemploymentOrWelfareIncome" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME><INCOME IncomeID="996" Amount="0.0000" Type="Bonuses" IsFederalTaxExempted="0" FrequencyId="3" IsVerified="0" MonthlyAmount="0.0000" BorrowerID="205"><APPLICANTS><APPLICANT ApplicantIDREF="205" IsPrimary="Y" NationalId="221461532" /></APPLICANTS></INCOME></INCOMES><PARAMETERS><PPM Name="UDF TDR Flag" Value="0" /><PPM Name="UDF Disability Insurance Premium" Value="00000.00" /><PPM Name="UDF Initial Tax / Insurance Required Date" /><PPM Name="UDF Trial Payment Received Date 3" /><PPM Name="UDF Initial Tax / Insurance Complete Date" /><PPM Name="Borrower Intends Short Sale" /><PPM Name="UDF AppDebugCheck1" /><PPM Name="UDF Current Deferred Interest" /><PPM Name="UDF Current Deferred Principal" /><PPM Name="UDF DebugCheck1" Value="N" /><PPM Name="UDF DebugCheck2" Value="N" /><PPM Name="UDF DebugCheck3" Value="Y" /><PPM Name="UDF DebugText1" Value="" /><PPM Name="UDF DebugText2" Value="" /><PPM Name="UDF Due Day" /><PPM Name="UDF Initial Tax / Insurance Complete" /><PPM Name="UDF IUI Insurance Premium" /><PPM Name="UDF Life Insurance Premium" /><PPM Name="UDF Reli Insurance Premium" /><PPM Name="UDF Use Validation Scripting" Value="N" /><PPM Name="ManualCredit" Value="Y" /></PARAMETERS><LOANS><LOAN LoanID="205" LoanNumber="205" Amount="43128.68" Rate="12.390" LienNumber="1" Duration="360" ComboFlag="N" LienType="1" HighOverDueActivities="0" MediumOverDueActivities="0" LowOverDueActivities="0" LoanStage="25 Underwriting Review" CurrentStage="25 Underwriting Review" PI="507.93" OriginalLoanAmount="47975.0000" SellerLoanNumber="0084225749" MortgageType="ConventionalwoPMI" IOIndicator="N" Decision="N" RemainingOriginalTerm="0" PastDueAmount="2036.60" MaturityDate="06/30/2028" EscrowPaymentAmount="0.00" NoteResetRate="0.000" GSELoanNumber="0000000000" NoteDate="05/21/1998" SuspenseAmount="0.00" EscrowShortageForAdvances="0.00" ProductBeforeMod="FixedRate" OriginalRate="12.39000" PayArrearagesAtOnceWithLiqAssets="N" PayArrearagesInInstmntWithLiqAssets="N" FNMAHomeSaverNote="N" CurrentlyInLoanMod="N" PreviousModifiedUnderHMP="N" BorrowerAgreesEscrowSetup="N" Approval="N" MIPartialClaimPayment="0.0000" InternalStatusCode="1LMCode-NotActive" NPVLock="0" ProductID="37" LTVAtOrigination="95.000" PriorLoanMod="N" ImminentDefaultFlag="N" TimeInCurrentStage="68" AncillaryAmount="153.20" OriginalLoanStandardSecurityInstrument="N" InterVivosTrust="N" CurrentMaturityDate="06/30/2028" PreviousModificationForbearanceAmount="0.00" IOIndicatorCurrent="N" CurrentNextRateResetDate="04/01/2003" PastTwoYearsTaxesPaid="N" EscrowBalance="0.00" RecoverableCorporateAdvances="153.2000" StageChangeDate="02/25/2013" ARMFlag="N" OriginationFrontEndRatio="0.000" CurrentPaymentDueDay="1" ServicingSystem="HMS" PMIInsurance="N" CurrentPrincipalPayment="507.93" CurrentIOPayment="0.00" IncompletenessLetterSentCount="0" FFIEC="N" AgencyType="GTF" PendingServiceRelease="N" HasEscrowAccount="N" HOAFeesCurrent="N" CurrentlyOnActiveMod="N" CorpAdvancesForDQTaxes="0.00" UpcomingTaxAdvances="0.00" CorpAdvancesForForcedPlacedInsurance="1222.03" CorpAdvancesNonTaxNonInsurance="0.00" BorrowerRequiredtoPayDownpayment="Y" BorrowerSendDocsBeforeExpirationDate="N" AllDocsReceived="Complete" LoanDocsReceivedDate="02/25/2013" OptOutofNewMod="N" PendingInvestorAccount="N" MinARMAdjustment="0.000" MaxARMAdjustment="0.000" ARMChangeFrequency="0" ARMFloor="10.125" ARMCeiling="17.125" PrepayFlag="N" GrossDisposableIncomeatOrigination="0.00" InvestmentPropertyAtOrigination="Y" PayrightRewardsFlag="N" PreviousModNoOrLowIncome="N" TroubledDebtReservesFlag="N" BorrowerAgreedToSendDocuments="N" TaxWatchandInsuranceProjectionsCompleted="N" CreditType="N" ContractualInterestRate="0.000" IsPrincipalWriteDown="N" IsPersonalHomeLoan="N" ContractualPIPayment="0.00" InterestMethodType="000" AssociationDuesEscrowed="N" OfferMeetsFHAGuidelines="N" EscrowPaymentCapitalized="150.00" EscrowPaymentNotCapitalized="150.00" EscrowPaymentPartial="0.00" ReinstatementAmount="0.00" OptionalInsuranceAmount="0.00" PreviouslyModifiedUnderHAMPTier2="N" DeclineApproval="N" CompletedDocs="Y" PCOValue="30670.00" TroubledDebtReservesType="R" VendorCode="0024010" ServicingAdvances="136.22" StatusCode2="N" StageAlias="Application In Review"><LOCKS><LOCK Date="02/25/2013 13:23:44.590" Type="DODLock" User="12345678" IsProgram="N"><LOCKEDITEM Name="Delinquency Status" Type="DTS" Value="60DaysDelinquent" /><LOCKEDITEM Name="Has Escrow Account" Type="DTS" Value="N" /></LOCK></LOCKS><DEFAULT ReasonForDefault="Death of Spouse" BorrowerIntent="ContinuetoOwntheHomeandLiveinit" DelinquencyStatus="60DaysDelinquent" AbilityToResumeCurrentMtgPmt="N" DQFEES="0.00" DQPIPayment="1523.79" DelinquentCounselorCode="GTF" AccountInLitigation="N" BankruptcyLitigation="N" ChangeofCircumstance="N" IncomePreviouslyUsedForCategory1Mod="N" DelinquencyStatusCode="3" /><INVESTOR InvestorCode="30000" /><MSP /><SERVICER /><LISTINGAGENT /><CONDITIONS><CONDITION Type="Qualification" Count="1" Status="Satisfied" /><CONDITION Type="Trial Period" Count="2" Status="Satisfied" /></CONDITIONS><CONDITIONS><CONDITION_DETAIL Description=" Letter Stating Financial Situation (Co-Borrower) " PriorToType="Trial Period" Status="Satisfied" Category="Financials" Name="Hardship Letter-CoBorrower" Modified="02/25/2013" /><CONDITION_DETAIL Description=" Two (2) sequential pay stubs (dated within last 60 calendar days of the application date) " PriorToType="Trial Period" Status="Satisfied" Category="Financials" Name="Income-Paystubs" Modified="02/25/2013" /><CONDITION_DETAIL Description=" Death Certificate " PriorToType="Qualification" Status="Satisfied" Category="Hardship Package" Name="Death Certificate" Modified="02/25/2013" /></CONDITIONS><PREVIOUSMODS ModCount="3" ModsLast60MonthsCount="1" PreviousModDTI="0.000" NoOrLowIncome="N" PreviousModificationDeferredInterest="5923.91" Category2ModTerm="0"><PREVIOUSMOD Category1ModCount="0" Category1ModActivatedCount="0" Category1FailedTrialsCount="0" Category1FailedTrialPmtsCount="0" Category1FailedTrialNSFCount="0" CategoryFailedTrialDocNotSentCount="0" Category1ModFailedCount="0" Category1InterestRate="0.000" Category1MonthlyPayment="0.00" Category1ModTerm="0" Category1ModDisposableIncome="0.00" Category1ModTotalIncome="0.00" LastRestructureDate="07/02/2012"><Category1 Forbearance="N" /></PREVIOUSMOD></PREVIOUSMODS><Decision GuidelineId="34" GuidelineName="FAP II Loan Modification Program Guideline" ExecutionTime="2013-02-25T13:31:00.350"><DerivedParameters><DPM Name="Trial Period Completed" Value="N" /><DPM Name="Low Income Flag" Value="N" /><DPM Name="Foreclosure NPV Value" Value="999999999.99" /><DPM Name="Days Since Last Appraisal" Value="0" /><DPM Name="Type Of Modification" /><DPM Name="Can Change Stage" Value="Y" /><DPM Name="Material Change Rate" Value="999.99" /></DerivedParameters></Decision><AFTERMOD AmortizationTermAfterModification="0" InterestRateAfterModification="0.000" PrincipalForbearanceAmount="0.00" /><OTHERLOAN IOIndicator="N" /><HAUP /><NPVRESULTFROMTREASURY WaterfallTest="N" DeminimisTest="N" ForbearanceFlag="N" NPVRunSuccessful="N" PRAWaterfallTest="N" PRANPVTest="N" /><OVERRIDES /><TASKS><TASK TaskID="106" TaskDefinitionID="1" TaskStage="20 Pending Docs" Name="Submit Docs" Status="Completed" StatusUser="Pamela" StatusDateTime="02/25/2013" TaskType="Workflow" /><TASK TaskID="107" TaskDefinitionID="2" TaskStage="22 Docs Verification" Name="Review Docs" Status="Open" TaskType="Workflow" /></TASKS><TITLE_COMPANY /><PRODUCT ProductID="37" Name="FAP II Loan Modification" /><CLOSING_COMPANY /></LOAN></LOANS><COLLATERALS><COLLATERAL CollID="205" AddressL2="00100 AZURE STREET" City="CARLISLE" PostalCode="29031" RegionValue="SC" Units="1" RealEstateType="OneToFourFamilyResidentialConventional" LoanID="205" NonWarrantableCondo="0" HUDRepo="0" ModelHomeLeaseback="0" InheritedProperty="0" ValidAVM="N" ValidFlood="N" Occupied="N" Listed="N" Condition="Excellent" OccupancyStatus="Unknown" ForeclosureStatus="None" TenantCooperation="N" PermissionToContactAgent="N" HOAorManagementCompany="N" OriginationValue="50500.00" PropertyDamage="N" PoolID="0000" Cancellation="N" RescindedMICoverage="N" AbilitytoContribute="N" ReasonforDefaultResolved="N" ChargedOff="N" RentalPropertyCertified="N"><COUNTIES><COUNTY StateCode="45" State="SC" CountyCode="023" CountyName="Chester County" CBSACode="16900" CBSATitle="Chester SC" CBSALSAD="Micropolitan Statistical Area" CSACode="172" CSATitle="Charlotte-Gastonia-Salisbury NC-SC" CSALSAD="Combined Statistical Area" /><COUNTY StateCode="45" State="SC" CountyCode="039" CountyName="Fairfield County" CBSACode="17900" CBSATitle="Columbia SC" CBSALSAD="Metropolitan Statistical Area" CSACode="192" CSATitle="Columbia-Newberry SC" CSALSAD="Combined Statistical Area" /><COUNTY StateCode="45" State="SC" CountyCode="087" CountyName="Union County" CBSACode="46420" CBSATitle="Union SC" CBSALSAD="Micropolitan Statistical Area" CSACode="273" CSATitle="Greenville-Spartanburg-Anderson SC" CSALSAD="Combined Statistical Area" /></COUNTIES><HAMPCOUNTIES><COUNTY ZipCode="29031" Region="107" MSAName="South Atlantic" /></HAMPCOUNTIES><VALUATIONS><VALUATION Type="DesktopValuation" Date="10/03/2012" AsIsValue="63900.00" IsCurrent="Y" /><VALUATION Type="AutomatedValuationModel" IsCurrent="N" /><VALUATION Type="BrokerPriceOpinion" IsCurrent="N" /><VALUATION Type="Fullappraisal" IsCurrent="N" /><VALUATION Type="AutomatedValuationModelOther" IsCurrent="N" /></VALUATIONS><SHORTSALE MIApprovalRequiredforSS="N" AllowrentafterSS="N" AllowDILifSSFails="N" AllowDeedforLease="N" ListPropertyAsIs="N" AcceptSaleifNetProceedsMet="N" VendorRetainedtoAssistListingAgentwithSS="N" PreviousShortSaleAttemptFailed="N" /><LIQUIDATION TitleDelayorIssue="N" LegalDelayorIssue="N" /></COLLATERAL></COLLATERALS><DEDUCTIONS><DEDUCTION DEDUCTIONID="1081" Amount="0.0000" Type="FederalIncomeTax" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1082" Amount="0.0000" Type="FederalIncomeTax" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1083" Amount="0.0000" Type="StateIncomeTax" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1084" Amount="0.0000" Type="StateIncomeTax" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1085" Amount="0.0000" Type="CountyCityTax" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1086" Amount="0.0000" Type="CountyCityTax" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1087" Amount="0.0000" Type="IRAContributions401k" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1088" Amount="0.0000" Type="IRAContributions401k" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1089" Amount="0.0000" Type="LoanDeduction401k" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1090" Amount="0.0000" Type="LoanDeduction401k" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1091" Amount="0.0000" Type="HealthInsurance" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1092" Amount="0.0000" Type="HealthInsurance" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1093" Amount="0.0000" Type="FlexibleSpendingAccount" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1094" Amount="0.0000" Type="FlexibleSpendingAccount" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1095" Amount="0.0000" Type="RetirementorSocialSecurityTax" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1096" Amount="0.0000" Type="RetirementorSocialSecurityTax" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1097" Amount="0.0000" Type="OtherDeductions" FrequencyId="3" BorrowerID="205" MonthlyAmount="0.0000" /><DEDUCTION DEDUCTIONID="1098" Amount="0.0000" Type="OtherDeductions" FrequencyId="3" BorrowerID="1205" MonthlyAmount="0.0000" /></DEDUCTIONS></APPLICATION></DECISION_REQUEST>
|