parse_decision 0.0.5

This diff represents the content of publicly available package versions that have been released to one of the supported registries. The information contained in this diff is provided for informational purposes only and reflects changes between package versions as they appear in their respective public registries.
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-SAM-PRODUCT.xml ADDED
@@ -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>
data/spec/data/reference/product/001-APP.xml ADDED
@@ -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 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/></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>