EX-10.4 5 v307889_ex10-4.htm FINAL EXECUTED CENLAR ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

 

EXHIBIT 10.4

 

EXECUTION COPY

 

ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

 

THIS ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated as of March 29, 2012 (the “Assignment”), is entered into by and among Redwood Residential Acquisition Corporation (the “Assignor” and, solely in its capacity as servicing administrator described herein, the “Servicing Administrator”), Sequoia Residential Funding, Inc. (the “Depositor”), Cenlar FSB, as the servicer (the “Servicer”), and U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” and as referred to herein, the “Assignee”) under a Pooling and Servicing Agreement dated as of March 1, 2012 (the “Pooling and Servicing Agreement”) among the Depositor, the Assignee and Wells Fargo Bank, N.A., as master servicer and securities administrator.

 

RECITALS

 

WHEREAS, the Assignor and the Servicer have entered into a certain Flow Mortgage Loan Servicing Agreement, dated as of August 1, 2011, as amended by the Amendment No. 1 to Flow Mortgage Loan Servicing Agreement dated November 3, 2011, and hereby (the “Flow Servicing Agreement”), and the Servicer is currently servicing certain mortgage loans (the “Mortgage Loans”) under the Flow Servicing Agreement; and

 

WHEREAS, the Assignor will sell the Mortgage Loans (the “Specified Mortgage Loans”) that are listed on the mortgage loan schedule attached as Exhibit I hereto (the “Specified Mortgage Loan Schedule”) and its rights under the Flow Servicing Agreement with respect to the Specified Mortgage Loans to the Depositor; and

 

WHEREAS, the Depositor will sell to the Assignee all of its right, title and interest in the Specified Mortgage Loans and its rights under the Flow Servicing Agreement with respect to the Specified Mortgage Loans; and

 

WHEREAS, the parties hereto have agreed that the Specified Mortgage Loans shall be subject to the terms of this Assignment.

 

NOW, THEREFORE, in consideration of the mutual promises contained herein and other good and valuable consideration (the receipt and sufficiency of which are hereby acknowledged), the parties agree as follows:

 

1.Assignment and Assumption.

 

(a) Effective on and as of the date hereof, the Assignor hereby sells, assigns, conveys and transfers to the Depositor all of its right, title and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the Specified Mortgage Loans, and the Depositor hereby accepts such assignment from the Assignor and assumes such obligations.

 

 
 

 

(b) Effective on and as of the date hereof, the Depositor hereby sells, assigns, conveys and transfers to the Assignee all of its right, title and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the Specified Mortgage Loans, the Depositor is released from all obligations under the Flow Servicing Agreement, and the Assignee hereby accepts such assignment from the Depositor.

 

(c) Assignee agrees to be bound, as “Owner” (as such term is defined in the Flow Servicing Agreement), by all of the terms, covenants and conditions of the Flow Servicing Agreement relating to the Specified Mortgage Loans, and from and after the date hereof, Assignee assumes for the benefit of each of Assignor, Depositor and Servicer all of Assignor’s obligations as Owner thereunder in respect of the Specified Mortgage Loans, and Assignor is released from such obligations.

 

2.Recognition of the Assignee.

 

From and after the date hereof, subject to Section 3 below, the Servicer shall recognize the Assignee as the holder of the rights and benefits of the Owner with respect to the Specified Mortgage Loans and the Servicer will service the Specified Mortgage Loans for the Assignee as if the Assignee and the Servicer had entered into a separate servicing agreement for the servicing of the Specified Mortgage Loans in the form of the Flow Servicing Agreement with the Assignee as the Owner thereunder, the terms of which Flow Servicing Agreement are incorporated herein by reference and amended hereby. It is the intention of the parties hereto that this Assignment will be a separate and distinct agreement, and the entire agreement, between the parties hereto to the extent of the Specified Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto.

 

3.Continuing Rights and Responsibilities.

 

(a) Controlling Holder Rights. The parties hereto agree and acknowledge that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling Holder, will assume all of Assignee’s rights and all related responsibilities as Owner under the section of the Flow Servicing Agreement listed below:

 

Flow Servicing Agreement:

 

Section Matter
   
11.20

Servicer Shall Provide Access and Information as

Reasonably Required.

 

(b) Notwithstanding Sections 1 and 2 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights to take action and the responsibilities of the Owner under the Sections of the Flow Servicing Agreement listed below:

 

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Flow Servicing Agreement:

 

Section Matter
   
Addendum I Regulation AB Compliance Addendum

 

(c) In addition, the Servicer agrees to furnish to the Assignor as well as to the Master Servicer copies of reports, notices, statements and other communications required to be delivered by the Servicer pursuant to any of the sections of the Flow Servicing Agreement referred to above and under the following sections, at the times therein specified:

 

Flow Servicing Agreement:

 

Section  
   
11.09 Transfer of Accounts.
   
11.16 Statements to the Owner.
   

Subsection 2.04

of Addendum I

Servicer Compliance Statement.
   

Subsection 2.05

of Addendum I

Report on Assessment of Compliance and Attestation.

 

(d) If there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the Controlling Holder pursuant to Section 3(a) shall terminate and revert to Assignee. Assignor will provide thirty (30) days notice to the Servicer of any such termination or a change in the identity of the Controlling Holder of which Assignor has knowledge.

 

(e) Redwood Residential Acquisition Corporation, in its capacity as Servicing Administrator under this Assignment, hereby assumes the obligations of the Owner, as assigned to the Assignee, and the obligations of the Servicing Administrator, under the Sections of the Flow Servicing Agreement, as amended by this Assignment, listed below:

 

Flow Servicing Agreement:

 

Section

Matter 

   

Clause (i) of the last paragraph of
Section 11.13 

Payment by Servicing Administrator for Opinion of Counsel
   
Last sentence of 11.14, with respect to Servicing Advances only Payment of Servicing Advances to Servicer

 

3
 

 

11.17

P&I Advances

   

11.25(b)

 

Funding of P& I Advances, including without limitation funding of Prepayment Interest Shortfalls pursuant to the second paragraph of Section 11.15

   
11.25(c) Funding of Servicing Advances
   
14.03 Payment of termination fees to Servicer

 

As compensation for such assumption of obligations, the Servicing Administrator shall be entitled to receive from payments on the Specified Mortgage Loans the difference, if any, between the Servicing Fee and the servicing compensation otherwise payable to the Servicer under the Flow Servicing Agreement. In addition, the Servicing Administrator shall have all the benefits provided to the Servicing Administrator by Subsection 11.05 of the Flow Servicing Agreement. Any failure of the Servicing Administrator to perform its obligations under this Section 3(e) shall be an additional Event of Default under the Flow Servicing Agreement, entitling the Assignee to terminate both the Servicing Administrator and the Servicer in accordance with the terms of the Flow Servicing Agreement.

 

(f) The Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 13.01 of the Flow Servicing Agreement to terminate the Servicer following the occurrence of an Event of Default with respect to the Servicer.

 

(g) The Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 14.03 of the Flow Servicing Agreement to terminate the Servicer without cause and transfer servicing.

 

(h) If the Servicing Administrator exercises its right to terminate the Servicer pursuant to the foregoing paragraphs (f) or (g), no termination of the Servicer shall be effective unless the Servicing Administrator shall have appointed a successor Servicer under the Flow Servicing Agreement approved by the Master Servicer.

 

(i) No later than March 1 of each year when any Certificates are outstanding, commencing in March 2013, the Servicing Administrator shall provide to the Master Servicer its report on assessment of compliance with applicable servicing criteria specified under Item 1122(d)((2)(iii) of Regulation AB and its compliance statement required under Item 1123 of Regulation AB.

 

4.Amendment to the Flow Servicing Agreement.

 

The Flow Servicing Agreement is hereby amended as set forth in Appendix A hereto with respect to the Specified Mortgage Loans. The rights and obligations under the Flow Servicing

 

4
 

 

Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Flow Servicing Agreement as amended as set forth in Appendix A.

 

5.Representations and Warranties.

 

(a) Each of the parties hereto represents and warrants that it is duly and legally authorized to enter into this Assignment.

 

(b) Each of the parties hereto represents and warrants that this Assignment has been duly authorized, executed and delivered by it and (assuming due authorization, execution and delivery thereof by each of the other parties hereto) constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors’ rights generally and by general equitable principles (regardless of whether such enforcement is considered in a proceeding in equity or at law).

 

6.Continuing Effect.

 

Except as contemplated hereby, the Flow Servicing Agreement shall remain in full force and effect in accordance with their terms. This Assignment constitutes a Reconstitution Agreement as contemplated in Section 32 of the Flow Servicing Agreement and the Reconstitution Date shall be the date hereof with respect to the Specified Mortgage Loans listed on Exhibit I on the date hereof.

 

7.Governing Law.

 

This Assignment and the rights and obligations hereunder shall be governed by and construed in accordance with the internal laws of the State of New York.

 

8.Notices.

 

Any notices or other communications permitted or required under the Flow Servicing Agreement to be made to the Assignor and Assignee shall be made in accordance with the terms of the Flow Servicing Agreement and shall be sent to the Assignor and Assignee as follows:

 

Assignor: Redwood Residential Acquisition Corporation

One Belvedere Place, Suite 360

Mill Valley, CA 94941

Attention: William Moliski

 

Assignee: U.S. Bank National Association

60 Livingston Avenue

EP-MN-WS3D

St. Paul, Minnesota, 55107

Attention: Structured Finance – Sequoia Mortgage Loan Trust 2012-2

 

5
 

 

or to such other address as may hereafter be furnished by the Assignor or Assignee to the other parties in accordance with the provisions of the Flow Servicing Agreement.

 

9.Counterparts.

 

This Assignment may be executed in counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together shall constitute one and the same instrument.

 

10.Definitions.

 

Any capitalized term used but not defined in this Assignment has the same meaning as in the Flow Servicing Agreement.

 

11.Master Servicer.

 

The Servicer hereby acknowledges that Wells Fargo Bank, N.A. (the “Master Servicer”) will act as master servicer and securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, instructions, authorizations and other communications from the Master Servicer as if the same had been received from the Assignee. The Master Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Owner under the Flow Servicing Agreement, including, without limitation, the right to enforce the obligations of the Servicer and the Servicing Administrator thereunder. Any notices or other communications permitted or required under the Flow Servicing Agreement to be made to the Assignee shall be made in accordance with the terms of the Flow Servicing Agreement and shall be sent to the Master Servicer at the following address:

 

Wells Fargo Bank, N. A.

P.O. Box 98

Columbia, Maryland 21046

(or, for overnight deliveries, 9062 Old Annapolis Road, Columbia, Maryland 21045)

Attention: Sequoia Mortgage Trust 2012-2

 

or to such other address as may hereafter be furnished by the Master Servicer to Servicer. Any such notices or other communications permitted or required under the Flow Servicing Agreement may be delivered in electronic format unless manual signature is required in which case a hard copy of such report or communication shall be required.

 

The Servicer shall make all distributions under the Flow Servicing Agreement, as they relate to the Specified Mortgage Loans, to the Master Servicer by wire transfer of immediately funds to:

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #6188200, Sequoia Mortgage Trust 2012-2

Distribution Account

 

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12.Rule 17g-5 Compliance.

 

The Servicer hereby agrees that it shall provide information with respect to the servicing of the Mortgage Loans by the Servicer requested by any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) to the Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”), via electronic mail at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2012-2” and an identification of the type of information being provided in the body of such electronic mail. The Rule 17g-5 Information Provider shall notify the Servicer in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider. The Servicer shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Assignment or (ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions in this Section 12 prohibit or restrict oral or written communications, or providing information, between the Servicer, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings it assigns to the Servicer, (ii) such Rating Agency’s or NRSRO’s approval of the Servicer as a residential mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of the Servicer’s servicing operations in general; provided, however, that the Servicer shall not provide any information relating to the Mortgage Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information Provider.

 

13.Successors and Assigns.

  

Upon a transfer of the Specified Mortgage Loans by the Assignee (other than in respect of repurchases by a seller pursuant to the related purchase agreement) to a buyer (“buyer”), such transfer shall constitute a Reconstitution subject to the terms of Section 32 of the Flow Servicing Agreement. Upon the closing of such transfer, the rights and obligations of Owner held by the Assignor pursuant to this Assignment shall automatically terminate and the buyer shall possess all of the rights and obligations of Owner under the Flow Servicing Agreement, provided, however, that the Assignor shall remain liable for any obligations held by it as Owner arising from or attributable to the period from the date hereof to the closing date of such transfer.

 

 

[remainder of page intentionally left blank]

 

7
 

 

IN WITNESS WHEREOF, the parties hereto have executed this Assignment the day and year first above written.

 

 

 

ASSIGNOR:

REDWOOD RESIDENTIAL ACQUISITION
CORPORATION

 

By:/s/ William Moliski                     

Name: William Moliski                     

Title: Authorized Officer                       

 

 

DEPOSITOR:

SEQUOIA RESIDENTIAL FUNDING, INC.

 

By: /s/ William Moliski                      

Name: William Moliski                      

Title: Authorized Officer                         

 

 

ASSIGNEE:

U.S. BANK NATIONAL ASSOCIATION, not in its
individual capacity but solely as Trustee,

 

By: /s/ John L. Linssen                            

Name: John L. Linssen                            

Title: Vice President                                 

 

 

SERVICER:

CENLAR FSB

 

By: /s/ Gregory S. Tornquist                    

Name: Gregory S. Tornquist                    

Title: CEO / President                                

 

 

8
 

 

 

 

ASSIGNOR:

REDWOOD RESIDENTIAL ACQUISITION
CORPORATION

 

By:/s/ William Moliski                      

Name: William Moliski                      

Title: Authorized Officer                           

 

 

 

Accepted and agreed to by:

 

MASTER SERVICER:

WELLS FARGO BANK, N.A.

 

By: /s/ Graham M. Oglesby                                                                 

Name: Graham M. Oglesby                                                            

Title: Vice President                                                              

 

 

9
 

 

EXHIBIT I

 

I-1
 

 

KEY Primary Servicer Servicing Fee % Servicing Fee—Flatdollar Servicing Advance Methodology Originator Loan Group Loan Number Servicer Loan Number Cenlar Loan Number Amortization Type Lien Position
1 1000383 0.0025     1000324 1 1030002488 1611451573 0036709772 1 1
2 1000383 0.0025     1000324 1 1030002313 1351118506 0036709426 1 1
3 1000383 0.0025     1000324 1 1030002379 1611451632 0036709434 1 1
4 1000383 0.0025     1000324 1 1030002433 1351119067 0036709996 1 1
5 1000383 0.0025     1000324 1 1030002544 1351200452 0036709780 1 1
6 1000383 0.0025     1000324 1 1030002479 1311122189 0036710283 1 1
7 1000383 0.0025     1001863 1 1000001421 232279 0036708592 1 1
8 1000383 0.0025     1001863 1 1000001886 227753 0036708899 1 1
9 1000383 0.0025     1001863 1 1000001245 226933 0036708584 1 1
10 1000383 0.0025     1001863 1 1000002088 237292 0036709152 1 1
11 1000383 0.0025     1001863 1 1000001587 233664 0036709145 1 1
12 1000383 0.0025     1001863 1 1000002318 239762 0036709566 1 1
13 1000383 0.0025     1000312 1 1300001674 001084473 0036708576 1 1
14 1000383 0.0025     1000312 1 1300002028 001082322 0036708774 1 1
15 1000383 0.0025     1000312 1 1300002009 001090231 0036709095 1 1
16 1000383 0.0025     1000312 1 1300002025 001087591 0036709509 1 1
17 1000383 0.0025     1000312 1 1300002034 001081869 0036709442 1 1
18 1000383 0.0025     1000312 1 1300002148 001088405 0036709517 1 1
19 1000383 0.0025     1000312 1 1300002184 001089152 0036709525 1 1
20 1000383 0.0025     1000312 1 1300002199 001091165 0036709459 1 1
21 1000383 0.0025     1000312 1 1300001922 001080300 0036710077 1 1
22 1000383 0.0025     1000312 1 1300002261 001093643 0036710291 1 1
23 1000383 0.0025     1000312 1 1300002279 001093553 0036710473 1 1
24 1000383 0.0025     1002793 1 1010002436 000039361 0036709657 1 1
25 1000383 0.0025     1002793 1 1010002491 000039856 0036709665 1 1
26 1000383 0.0025     1006318 1 1450002527 1110035236 0036709707 1 1
27 1000383 0.0025     1006324 1 1950001996 70110507 0036708246 1 1
28 1000383 0.0025     1006324 1 1950002102 91110031 0036709863 1 1
29 1000383 0.0025     1006324 1 1950002275 70110582 0036709715 1 1
30 1000383 0.0025     1008808 1 1650001969 6012494 0036709871 1 1
31 1000383 0.0025     1008808 1 1650002006 1007966 0036709293 1 1
32 1000383 0.0025     1008808 1 1650002074 1007925 0036709723 1 1
33 1000383 0.0025     1008808 1 1650002204 6013620 0036710093 1 1
34 1000383 0.0025     1008808 1 1650002273 6013897 0036710234 1 1
35 1000383 0.0025     1008808 1 1650002405 6014544 0036710259 1 1
36 1000383 0.0025     1008808 1 1650002411 6014673 0036710267 1 1
37 1000383 0.0025     1008808 1 1650002211 6013502 0036710341 1 1
38 1000383 0.0025     1008808 1 1650002427 6014781 0036710366 1 1
39 1000383 0.0025     1000522 1 1700001422 1301369272 0036707453 1 1
40 1000383 0.0025     1003970 1 1400002190 2011001860 0036708782 1 1
41 1000383 0.0025     1003970 1 1400002220 2011002119 0036709467 1 1
42 1000383 0.0025     1003970 1 1400002230 2011002010 0036710085 1 1
43 1000383 0.0025     1008498 1 1150002123 503362479 0036708832 1 1
44 1000383 0.0025     1008498 1 1150002114 503362194 0036708659 1 1
45 1000383 0.0025     1008498 1 1150001936 503345118 0036708642 1 1
46 1000383 0.0025     1008498 1 1150001928 503344292 0036708915 1 1
47 1000383 0.0025     1008498 1 1150002241 503343753 0036708840 1 1
48 1000383 0.0025     1008498 1 1150001732 503322717 0036708808 1 1
49 1000383 0.0025     1008498 1 1150001682 503319315 0036708493 1 1
50 1000383 0.0025     1008498 1 1150001562 503307796 0036708634 1 1
51 1000383 0.0025     1008498 1 1150001852 503305584 0036708816 1 1
52 1000383 0.0025     1008498 1 1150001494 503292935 0036708626 1 1
53 1000383 0.0025     1008498 1 1150001492 503292699 0036708907 1 1
54 1000383 0.0025     1008498 1 1150002001 503254335 0036708824 1 1
55 1000383 0.0025     1008498 1 1150002224 503371725 0036709137 1 1
56 1000383 0.0025     1008498 1 1150002132 503362677 0036708980 1 1
57 1000383 0.0025     1008498 1 1150001952 503346885 0036708972 1 1
58 1000383 0.0025     1008498 1 1150001924 503343785 0036708964 1 1
59 1000383 0.0025     1008498 1 1150001851 503336585 0036709129 1 1
60 1000383 0.0025     1008498 1 1150002150 503327587 0036708998 1 1
61 1000383 0.0025     1008498 1 1150001483 503302123 0036708956 1 1
62 1000383 0.0025     1008498 1 1150001523 503291083 0036709111 1 1
63 1000383 0.0025     1008498 1 1150001563 503307941 0036709475 1 1
64 1000383 0.0025     1008498 1 1150001926 503344106 0036709491 1 1
65 1000383 0.0025     1008498 1 1150001863 503336896 0036709269 1 1
66 1000383 0.0025     1008498 1 1150002252 503342050 0036709822 1 1
67 1000383 0.0025     1008498 1 1150001844 503332529 0036709681 1 1
68 1000383 0.0025     1008498 1 1150002283 503377740 0036709285 1 1
69 1000383 0.0025     1008498 1 1150002353 503384952 0036709848 1 1
70 1000383 0.0025     1008498 1 1150002336 503382633 0036709699 1 1
71 1000383 0.0025     1008498 1 1150001743 503323811 0036709483 1 1
72 1000383 0.0025     1008498 1 1150002342 503383762 0036709830 1 1
73 1000383 0.0025     1008498 1 1150002699 503369060 0036710069 1 1
74 1000383 0.0025     1008498 1 1150002269 503375379 0036710036 1 1
75 1000383 0.0025     1008498 1 1150002325 503381961 0036710218 1 1
76 1000383 0.0025     1008498 1 1150002496 503401658 0036710044 1 1
77 1000383 0.0025     1008498 1 1150002580 503410735 0036710051 1 1
78 1000383 0.0025     1000536 1 1050001983 6016600345 0036708436 1 1
79 1000383 0.0025     1000536 1 1050001576 3727600141 0036707990 1 1
80 1000383 0.0025     1000536 1 1050001442 3726600151 0036707982 1 1
81 1000383 0.0025     1000536 1 1050001206 3706601408 0036707529 1 1
82 1000383 0.0025     1000536 1 1050001365 2278600044 0036708147 1 1
83 1000383 0.0025     1000536 1 1050001564 2198600423 0036708329 1 1
84 1000383 0.0025     1000536 1 1050001285 2168600373 0036707628 1 1
85 1000383 0.0025     1000536 1 1050001739 2154601255 0036708402 1 1
86 1000383 0.0025     1000536 1 1050001224 2154601171 0036707602 1 1
87 1000383 0.0025     1000536 1 1050001175 2126600745 0036707784 1 1
88 1000383 0.0025     1000536 1 1050001210 2119700942 0036707594 1 1
89 1000383 0.0025     1000536 1 1050001219 2117601343 0036707537 1 1
90 1000383 0.0025     1000536 1 1050001575 2109701736 0036707818 1 1
91 1000383 0.0025     1000536 1 1050001297 2108600298 0036707909 1 1
92 1000383 0.0025     1000536 1 1050001664 2105600368 0036707651 1 1
93 1000383 0.0025     1000536 1 1050001414 20831100168 0036708048 1 1
94 1000383 0.0025     1000536 1 1050001909 2071603885 0036708220 1 1
95 1000383 0.0025     1000536 1 1050001306 2071603646 0036707883 1 1
96 1000383 0.0025     1000536 1 1050001149 20631100461 0036708295 1 1
97 1000383 0.0025     1000536 1 1050001792 2054603302 0036707875 1 1
98 1000383 0.0025     1000536 1 1050001320 2003602409 0036708212 1 1
99 1000383 0.0025     1000536 1 1050001333 2001708797 0036707776 1 1
100 1000383 0.0025     1000536 1 1050001083 7102600399 0036708667 1 1
101 1000383 0.0025     1000536 1 1050001049 3725600020 0036708923 1 1
102 1000383 0.0025     1000536 1 1050001360 3657600991 0036708683 1 1
103 1000383 0.0025     1000536 1 1050001913 3612601245 0036708758 1 1
104 1000383 0.0025     1000536 1 1050001188 3602601428 0036708675 1 1
105 1000383 0.0025     1000536 1 1050001763 2249600153 0036708733 1 1
106 1000383 0.0025     1000536 1 1050001848 2155600775 0036708741 1 1
107 1000383 0.0025     1000536 1 1050001453 2138601811 0036708501 1 1
108 1000383 0.0025     1000536 1 1050001858 2128601182 0036708535 1 1
109 1000383 0.0025     1000536 1 1050002067 2071603649 0036708766 1 1
110 1000383 0.0025     1000536 1 1050001814 2045701091 0036708527 1 1
111 1000383 0.0025     1000536 1 1050001836 2003602466 0036708428 1 1
112 1000383 0.0025     1000536 1 1050001323 2003602370 0036708857 1 1
113 1000383 0.0025     1000536 1 1050002326 6026600025 0036709236 1 1
114 1000383 0.0025     1000536 1 1050002201 6014600647 0036709038 1 1
115 1000383 0.0025     1000536 1 1050002301 3726600435 0036709079 1 1
116 1000383 0.0025     1000536 1 1050001051 3726600127 0036709004 1 1
117 1000383 0.0025     1000536 1 1050002357 37221100144 0036709244 1 1
118 1000383 0.0025     1000536 1 1050002249 3602601517 0036709228 1 1
119 1000383 0.0025     1000536 1 1050001753 21491100150 0036709160 1 1
120 1000383 0.0025     1000536 1 1050002216 2073604170 0036709210 1 1
121 1000383 0.0025     1000536 1 1050002146 20631100660 0036709202 1 1
122 1000383 0.0025     1000536 1 1050002207 2045701157 0036709053 1 1
123 1000383 0.0025     1000536 1 1050002229 2044602338 0036709061 1 1
124 1000383 0.0025     1000536 1 1050001594 2032602330 0036709020 1 1
125 1000383 0.0025     1000536 1 1050002017 20031100019 0036709186 1 1
126 1000383 0.0025     1000536 1 1050002215 3627601329 0036709368 1 1
127 1000383 0.0025     1000536 1 1050002149 20031100003 0036709632 1 1
128 1000383 0.0025     1000536 1 1050002429 7102600293 0036709954 1 1
129 1000383 0.0025     1000536 1 1050002130 22891100097 0036709327 1 1
130 1000383 0.0025     1000536 1 1050002502 30521100215 0036709970 1 1
131 1000383 0.0025     1000536 1 1050002181 21981100106 0036709335 1 1
132 1000383 0.0025     1000536 1 1050002307 2117601361 0036709640 1 1
133 1000383 0.0025     1000536 1 1050002426 2123700740 0036709756 1 1
134 1000383 0.0025     1000536 1 1050002246 2083601246 0036709384 1 1
135 1000383 0.0025     1000536 1 1050002172 21491100173 0036709897 1 1
136 1000383 0.0025     1000536 1 1050002235 2139600105 0036709905 1 1
137 1000383 0.0025     1000536 1 1050002505 2244701531 0036709764 1 1
138 1000383 0.0025     1000536 1 1050002303 3612601309 0036709418 1 1
139 1000383 0.0025     1000536 1 1050002247 2278600192 0036709392 1 1
140 1000383 0.0025     1000536 1 1050002374 2244701508 0036709921 1 1
141 1000383 0.0025     1000536 1 1050002265 22821100077 0036709400 1 1
142 1000383 0.0025     1000536 1 1050002192 22831100066 0036709343 1 1
143 1000383 0.0025     1000536 1 1050002395 2047601344 0036709939 1 1
144 1000383 0.0025     1000536 1 1050002398 3731600189 0036709947 1 1
145 1000383 0.0025     1000536 1 1050002443 3731600118 0036709962 1 1
146 1000383 0.0025     1000536 1 1050001020 3650602104 0036709574 1 1
147 1000383 0.0025     1000536 1 1050001300 2108600299 0036709889 1 1
148 1000383 0.0025     1000536 1 1050001404 20631100582 0036709590 1 1
149 1000383 0.0025     1000536 1 1050002090 3706601797 0036709319 1 1
150 1000383 0.0025     1000536 1 1050002193 3735600107 0036709350 1 1
151 1000383 0.0025     1000536 1 1050002327 23041100085 0036709913 1 1
152 1000383 0.0025     1000536 1 1050002396 20011100295 0036710135 1 1
153 1000383 0.0025     1000536 1 1050002612 2017605256 0036710192 1 1
154 1000383 0.0025     1000536 1 1050002453 2138602702 0036710028 1 1
155 1000383 0.0025     1000536 1 1050001462 22051100051 0036710101 1 1
156 1000383 0.0025     1000536 1 1050002477 22051100324 0036710150 1 1
157 1000383 0.0025     1000536 1 1050002549 23041100132 0036710176 1 1
158 1000383 0.0025     1000536 1 1050002484 3612601262 0036710168 1 1
159 1000383 0.0025     1000536 1 1050002646 2003602082 0036710390 1 1
160 1000383 0.0025     1000536 1 1050002196 2238600298 0036710382 1 1
161 1000383 0.0025     1000536 1 1050001751 20631100666 0036708725 1 1

 

KEY HELOC Indicator Loan Purpose Cash Out Amount Total Origination and Discount Points Covered/High Cost Loan Indicator Relocation Loan Indicator Broker Indicator Channel Escrow Indicator Senior Loan
Amount(s)
1 0 9           1 4 0
2 0 9           2 4 0
3 0 9           1 4 0
4 0 9           2 4 0
5 0 9           2 4 0
6 0 9           1 4 0
7 0 9           1 4 0
8 0 7           1 4 0
9 0 9           1 4 0
10 0 7           1 4 0
11 0 9           1 4 0
12 0 7           1 4 0
13 0 9           1 4 0
14 0 7           1 4 0
15 0 7           1 0 0
16 0 9           1 4 0
17 0 9           1 4 0
18 0 9           1 4 0
19 0 9           1 0 0
20 0 9           1 0 0
21 0 9           1 0 0
22 0 9           1 0 0
23 0 9           1 4 0
24 0 9           1 4 0
25 0 6           1 4 0
26 0 7           1 4 0
27 0 7           1 4 0
28 0 3           1 4 0
29 0 9           1 0 0
30 0 9           2 0 0
31 0 9           1 4 0
32 0 9           1 0 0
33 0 9           2 0 0
34 0 9           2 0 0
35 0 9           2 0 0
36 0 9           2 0 0
37 0 7           2 0 0
38 0 9           2 0 0
39 0 7           1 4 0
40 0 9           1 4 0
41 0 9           1 4 0
42 0 9           1 0 0
43 0 7           2 4 0
44 0 7           2 4 0
45 0 9           4 4 0
46 0 9           4 0 0
47 0 3           4 0 0
48 0 9           4 0 0
49 0 9           2 0 0
50 0 9           4 0 0
51 0 9           4 0 0
52 0 9           4 0 0
53 0 3           2 0 0
54 0 7           4 4 0
55 0 7           4 0 0
56 0 7           4 0 0
57 0 9           2 0 0
58 0 9           4 0 0
59 0 7           2 4 0
60 0 9           2 4 0
61 0 7           2 4 0
62 0 3           1 4 0
63 0 9           2 4 0
64 0 9           4 4 0
65 0 7           2 4 0
66 0 9           4 4 0
67 0 3           4 4 0
68 0 7           2 0 0
69 0 9           4 4 0
70 0 7           2 4 0
71 0 9           2 0 0
72 0 9           4 0 0
73 0 3           4 4 0
74 0 3           4 4 0
75 0 7           4 4 0
76 0 9           4 0 0
77 0 3           4 0 0
78 0 7           1 0 0
79 0 7           1 0 0
80 0 9           1 0 0
81 0 9           1 0 0
82 0 9           1 0 0
83 0 7           1 0 0
84 0 9           1 4 0
85 0 9           1 4 0
86 0 3           1 4 0
87 0 7           1 0 0
88 0 9           1 4 0
89 0 9           1 4 0
90 0 9           1 4 0
91 0 9           1 4 0
92 0 7           1 0 0
93 0 7           1 4 0
94 0 7           1 0 0
95 0 7           1 4 0
96 0 9           1 4 0
97 0 7           1 4 0
98 0 9           1 0 0
99 0 9           1 0 0
100 0 7           1 0 0
101 0 6           1 4 0
102 0 9           1 4 0
103 0 9           1 0 0
104 0 3           1 0 0
105 0 3           1 0 0
106 0 6           1 4 0
107 0 3           1 4 0
108 0 7           1 4 0
109 0 7           1 4 0
110 0 7           1 0 0
111 0 6           1 0 0
112 0 9           1 0 0
113 0 7           1 0 0
114 0 9           1 0 0
115 0 9           1 4 0
116 0 9           1 4 0
117 0 9           1 0 0
118 0 9           1 0 0
119 0 9           1 4 0
120 0 3           1 0 0
121 0 9           1 0 0
122 0 7           1 0 0
123 0 9           1 4 0
124 0 9           1 0 0
125 0 9           1 0 0
126 0 9           1 0 0
127 0 9           1 0 0
128 0 7           1 4 0
129 0 7           1 0 0
130 0 9           1 0 0
131 0 9           1 0 0
132 0 9           1 0 0
133 0 9           1 4 0
134 0 7           1 0 0
135 0 9           1 0 0
136 0 9           1 4 0
137 0 7           1 4 0
138 0 7           1 0 0
139 0 7           1 4 0
140 0 7           1 4 0
141 0 9           1 4 0
142 0 9           1 0 0
143 0 7           1 0 0
144 0 9           1 0 0
145 0 9           1 0 0
146 0 9           1 0 0
147 0 9           1 4 0
148 0 9           1 0 0
149 0 9           1 4 0
150 0 6           1 4 0
151 0 7           1 4 0
152 0 9           1 4 0
153 0 9           1 4 0
154 0 9           1 0 0
155 0 9           1 4 0
156 0 7           1 4 0
157 0 7           1 4 0
158 0 9           1 0 0
159 0 9           1 0 0
160 0 9           1 4 0
161 0 9           1 0 0

 

KEY Loan Type of Most
Senior Lien
Hybrid Period of
Most Senior Lien (in
months)
Neg Am Limit of
Most Senior Lien
Junior Mortgage
Balance
Origination Date of
Most Senior Lien
Origination Date Original Loan
Amount
Original Interest
Rate
Original
Amortization Term
Original Term to
Maturity
1       300,000.00   20120124 731,000.00 0.0488 360 360
2       0.00   20120105 698,000.00 0.0450 360 360
3       0.00   20120107 560,000.00 0.0500 360 360
4       0.00   20120126 875,000.00 0.0475 360 360
5       0.00   20120131 810,000.00 0.0488 360 360
6       0.00   20120211 640,000.00 0.0450 360 360
7       0.00   20111108 472,000.00 0.0488 360 360
8       0.00   20111118 1,000,000.00 0.0488 360 360
9       0.00   20111020 1,350,000.00 0.0488 360 360
10       0.00   20111208 592,000.00 0.0450 360 360
11       61,800.00   20111115 680,000.00 0.0488 360 360
12       0.00   20111227 975,000.00 0.0450 360 360
13       0.00   20111110 543,750.00 0.0475 360 360
14       0.00   20111118 975,000.00 0.0463 360 360
15       0.00   20111202 562,500.00 0.0500 360 360
16       0.00   20111213 487,500.00 0.0475 360 360
17       0.00   20111122 941,250.00 0.0488 360 360
18       35,000.00   20111222 525,000.00 0.0488 360 360
19       0.00   20111223 708,500.00 0.0450 360 360
20       0.00   20111221 751,000.00 0.0500 360 360
21       0.00   20111117 1,275,000.00 0.0500 360 360
22       0.00   20120120 550,000.00 0.0488 360 360
23       0.00   20120125 562,500.00 0.0475 360 360
24       0.00   20120113 467,500.00 0.0450 360 360
25       0.00   20120111 572,000.00 0.0463 360 360
26       0.00   20120123 888,000.00 0.0413 360 360
27       0.00   20111109 525,600.00 0.0513 360 360
28       0.00   20120124 1,500,000.00 0.0450 360 360
29       0.00   20120117 736,500.00 0.0475 360 360
30       0.00   20111227 1,250,000.00 0.0525 360 360
31       0.00   20111222 1,330,000.00 0.0488 360 360
32       0.00   20111229 487,500.00 0.0488 360 360
33       22,239.00   20111228 650,000.00 0.0488 360 360
34       0.00   20111227 982,700.00 0.0463 360 360
35       0.00   20120130 982,000.00 0.0475 360 360
36       0.00   20120125 712,500.00 0.0463 360 360
37       0.00   20111215 823,250.00 0.0488 360 360
38       0.00   20120208 825,000.00 0.0463 360 360
39       0.00   20110922 476,000.00 0.0463 360 360
40       0.00   20111202 995,899.00 0.0450 360 360
41       0.00   20120109 716,000.00 0.0438 360 360
42       0.00   20120213 661,000.00 0.0450 360 360
43       0.00   20111206 788,000.00 0.0500 360 360
44       0.00   20111209 600,000.00 0.0500 360 360
45       0.00   20111130 650,000.00 0.0488 360 360
46       0.00   20111215 737,500.00 0.0488 360 360
47       0.00   20111209 783,000.00 0.0488 360 360
48       0.00   20111123 762,700.00 0.0475 360 360
49       0.00   20111114 1,012,500.00 0.0488 360 360
50       0.00   20111117 952,000.00 0.0488 360 360
51       0.00   20111128 600,000.00 0.0525 360 360
52       0.00   20111122 1,880,000.00 0.0500 360 360
53       0.00   20111206 1,400,000.00 0.0500 360 360
54       0.00   20111116 910,000.00 0.0538 360 360
55       0.00   20111227 1,000,000.00 0.0438 360 360
56       0.00   20111216 788,000.00 0.0475 360 360
57       0.00   20111217 839,000.00 0.0475 360 360
58       0.00   20111222 722,000.00 0.0463 360 360
59       0.00   20111229 540,000.00 0.0488 360 360
60       0.00   20111201 980,000.00 0.0475 360 360
61       0.00   20111207 680,000.00 0.0475 360 360
62       0.00   20111209 585,000.00 0.0450 360 360
63       0.00   20120113 916,000.00 0.0450 360 360
64       0.00   20120114 918,500.00 0.0475 360 360
65       0.00   20120117 443,910.00 0.0488 360 360
66       0.00   20120120 960,000.00 0.0475 360 360
67       0.00   20111230 700,000.00 0.0475 360 360
68       0.00   20120113 637,500.00 0.0463 360 360
69       495,000.00   20120111 855,000.00 0.0450 360 360
70       0.00   20120123 1,236,000.00 0.0475 360 360
71       0.00   20120117 1,160,000.00 0.0438 360 360
72       0.00   20120124 559,800.00 0.0488 360 360
73       0.00   20120201 456,000.00 0.0475 360 360
74       0.00   20120208 500,000.00 0.0463 360 360
75       0.00   20120209 490,000.00 0.0475 360 360
76       0.00   20120207 1,200,000.00 0.0438 360 360
77       0.00   20120131 830,000.00 0.0475 360 360
78       0.00   20111111 567,300.00 0.0438 360 360
79       0.00   20110929 1,125,000.00 0.0488 360 360
80       0.00   20110926 886,800.00 0.0488 360 360
81       0.00   20110919 898,000.00 0.0475 360 360
82       0.00   20111012 1,290,000.00 0.0463 360 360
83       0.00   20110919 470,000.00 0.0488 360 360
84       0.00   20111003 440,000.00 0.0463 360 360
85       0.00   20111101 1,075,000.00 0.0475 360 360
86       0.00   20110923 979,000.00 0.0463 360 360
87       0.00   20110920 448,000.00 0.0513 360 360
88       0.00   20110926 999,950.00 0.0463 360 360
89       200,000.00   20110923 990,000.00 0.0463 360 360
90       0.00   20111006 680,000.00 0.0488 360 360
91       0.00   20111017 900,000.00 0.0463 360 360
92       0.00   20110930 650,000.00 0.0475 360 360
93       0.00   20110930 832,800.00 0.0450 360 360
94       0.00   20111026 611,250.00 0.0538 360 360
95       0.00   20111011 588,450.00 0.0463 360 360
96       0.00   20111005 572,000.00 0.0513 360 360
97       0.00   20111018 560,000.00 0.0475 360 360
98       0.00   20110926 985,000.00 0.0463 360 360
99       0.00   20110928 989,050.00 0.0488 360 360
100       0.00   20110824 556,850.00 0.0525 360 360
101       0.00   20111107 798,000.00 0.0488 360 360
102       0.00   20111024 862,000.00 0.0500 360 360
103       0.00   20111111 757,000.00 0.0475 360 360
104       0.00   20111028 1,085,000.00 0.0463 360 360
105       0.00   20111031 445,000.00 0.0488 360 360
106       0.00   20111102 1,020,000.00 0.0500 360 360
107       0.00   20111024 740,000.00 0.0450 360 360
108       0.00   20111104 748,700.00 0.0488 360 360
109       0.00   20111114 536,000.00 0.0500 360 360
110       0.00   20111101 772,000.00 0.0500 360 360
111       0.00   20111014 527,200.00 0.0488 360 360
112       0.00   20111108 688,000.00 0.0488 360 360
113       0.00   20111228 796,000.00 0.0475 360 360
114       0.00   20111123 921,500.00 0.0450 360 360
115       0.00   20111215 640,000.00 0.0463 360 360
116       0.00   20111026 1,998,600.00 0.0475 360 360
117       0.00   20111230 615,000.00 0.0463 360 360
118       0.00   20111228 485,000.00 0.0475 360 360
119       0.00   20111117 999,999.00 0.0475 360 360
120       0.00   20111221 650,000.00 0.0438 360 360
121       0.00   20111201 620,250.00 0.0438 360 360
122       0.00   20111209 689,850.00 0.0488 360 360
123       0.00   20111222 716,500.00 0.0450 360 360
124       0.00   20111217 494,400.00 0.0475 360 360
125       0.00   20111222 868,400.00 0.0475 360 360
126       0.00   20120106 1,160,000.00 0.0500 360 360
127       0.00   20111223 880,000.00 0.0475 360 360
128       0.00   20111014 610,000.00 0.0475 360 360
129       0.00   20120103 1,590,000.00 0.0450 360 360
130       0.00   20120117 850,000.00 0.0463 360 360
131       0.00   20111229 807,000.00 0.0463 360 360
132       0.00   20120109 810,000.00 0.0475 360 360
133       0.00   20120118 575,000.00 0.0463 360 360
134       0.00   20111223 480,000.00 0.0475 360 360
135       125,000.00   20120120 913,000.00 0.0463 360 360
136       0.00   20120123 944,000.00 0.0450 360 360
137       0.00   20120125 775,000.00 0.0463 360 360
138       0.00   20111227 559,950.00 0.0463 360 360
139       0.00   20111228 600,000.00 0.0513 360 360
140       0.00   20120130 725,000.00 0.0450 360 360
141       0.00   20120104 480,000.00 0.0450 360 360
142       0.00   20120106 713,000.00 0.0450 360 360
143       0.00   20120131 699,900.00 0.0463 360 360
144       250,000.00   20120125 603,350.00 0.0438 360 360
145       0.00   20120126 720,000.00 0.0463 360 360
146       0.00   20111026 999,950.00 0.0475 360 360
147       0.00   20111026 944,000.00 0.0463 360 360
148       0.00   20111201 527,200.00 0.0475 360 360
149       0.00   20111130 499,000.00 0.0488 360 360
150       0.00   20111216 550,000.00 0.0438 360 360
151       0.00   20111216 792,000.00 0.0488 360 360
152       0.00   20120120 452,600.00 0.0463 360 360
153       0.00   20120209 585,000.00 0.0425 360 360
154       0.00   20120120 696,000.00 0.0463 360 360
155       0.00   20120113 614,700.00 0.0450 360 360
156       0.00   20111230 520,000.00 0.0450 360 360
157       0.00   20120203 536,250.00 0.0500 360 360
158       0.00   20120123 880,000.00 0.0488 360 360
159       0.00   20120210 999,950.00 0.0463 360 360
160       0.00   20120127 1,345,100.00 0.0475 360 360
161       0.00   20111110 1,095,000.00 0.0488 360 360

 

KEY First Payment Date
of Loan
Interest Type
Indicator
Original Interest
Only Term
Buy Down Period HELOC Draw Period Current Loan
Amount
Current Interest
Rate
Current Payment
Amount Due
Interest Paid
Through Date
Current Payment
Status
Index Type
1 20120301 1 0 0   730,101.17 0.0488 3,868.52 20120301 0 0
2 20120301 1 0 0   697,080.83 0.0450 3,536.67 20120301 0 0
3 20120301 1 0 0   559,327.12 0.0500 3,006.21 20120301 0 0
4 20120301 1 0 0   873,899.12 0.0475 4,564.42 20120301 0 0
5 20120301 1 0 0   808,514.86 0.0488 4,286.59 20120301 0 0
6 20120401 1 0 0   640,000.00 0.0450 3,242.79 20120301 0 0
7 20120101 1 0 0   465,723.25 0.0488 2,497.86 20120301 0 0
8 20120101 1 0 0   996,296.25 0.0488 5,292.08 20120301 0 0
9 20111201 1 0 0   1,343,319.69 0.0488 7,144.31 20120301 0 0
10 20120201 1 0 0   590,437.92 0.0450 2,999.58 20120301 0 0
11 20120101 1 0 0   677,481.43 0.0488 3,598.62 20120301 0 0
12 20120201 1 0 0   972,422.50 0.0450 4,940.18 20120301 0 0
13 20120101 1 0 0   540,371.76 0.0475 2,836.46 20120301 0 0
14 20120101 1 0 0   971,220.33 0.0463 5,012.86 20120301 0 0
15 20120101 1 0 0   560,463.93 0.0500 3,019.62 20120301 0 0
16 20120201 1 0 0   486,270.89 0.0475 2,543.03 20120301 0 0
17 20120101 1 0 0   937,763.86 0.0488 4,981.17 20120301 0 0
18 20120201 1 0 0   523,706.32 0.0488 2,778.34 20120301 0 0
19 20120201 1 0 0   706,630.52 0.0450 3,589.87 20120301 0 0
20 20120201 1 0 0   749,191.52 0.0500 4,031.53 20120301 0 0
21 20120101 1 0 0   1,270,384.89 0.0500 6,844.48 20120301 0 0
22 20120301 1 0 0   549,323.73 0.0488 2,910.65 20120301 0 0
23 20120301 1 0 0   561,645.58 0.0475 2,934.27 20120301 0 0
24 20120301 1 0 0   466,884.38 0.0450 2,368.75 20120301 0 0
25 20120301 1 0 0   571,263.70 0.0463 2,940.88 20120301 0 0
26 20120301 1 0 0   886,748.81 0.0413 4,303.69 20120301 0 0
27 20120101 1 0 0   523,740.87 0.0513 2,861.82 20120301 0 0
28 20120301 1 0 0   1,498,024.72 0.0450 7,600.28 20120301 0 0
29 20120301 1 0 0   735,573.38 0.0475 3,841.93 20120301 0 0
30 20120201 1 0 0   1,247,126.13 0.0525 6,902.55 20120301 0 0
31 20120201 1 0 0   1,326,722.67 0.0488 7,038.47 20120301 0 0
32 20120201 1 0 0   486,298.72 0.0488 2,579.89 20120301 0 0
33 20120201 1 0 0   648,398.31 0.0488 3,439.85 20120301 0 0
34 20120201 1 0 0   980,165.20 0.0463 5,052.45 20120301 0 0
35 20120401 1 0 0   982,000.00 0.0475 5,122.58 20120301 0 0
36 20120301 1 0 0   711,582.85 0.0463 3,663.24 20120301 0 0
37 20120201 1 0 0   821,221.37 0.0488 4,356.71 20120301 0 0
38 20120401 1 0 0   825,000.00 0.0463 4,241.65 20120301 0 0
39 20111101 1 0 0   472,912.70 0.0463 2,447.30 20120301 0 0
40 20120201 1 0 0   993,261.11 0.0450 5,046.07 20120301 0 0
41 20120301 1 0 0   715,035.54 0.0438 3,574.88 20120301 0 0
42 20120401 1 0 0   661,000.00 0.0450 3,349.19 20120301 0 0
43 20120201 1 0 0   785,901.98 0.0500 4,230.16 20120301 0 0
44 20120201 1 0 0   598,555.14 0.0500 3,220.93 20120301 0 0
45 20120201 1 0 0   647,581.69 0.0488 3,439.85 20120301 0 0
46 20120201 1 0 0   735,682.68 0.0488 3,902.91 20120301 0 0
47 20120201 1 0 0   781,070.57 0.0488 4,143.70 20120301 0 0
48 20120101 1 0 0   759,809.85 0.0475 3,978.60 20120301 0 0
49 20120101 1 0 0   1,008,749.96 0.0488 5,358.23 20120301 0 0
50 20120101 1 0 0   948,474.03 0.0488 5,038.06 20120301 0 0
51 20120101 1 0 0   597,926.29 0.0525 3,313.22 20120301 0 0
52 20120101 1 0 0   1,873,194.97 0.0500 10,092.25 20120301 0 0
53 20120201 1 0 0   1,396,628.65 0.0500 7,515.50 20120301 0 0
54 20120101 1 0 0   906,927.18 0.0538 5,095.74 20120301 0 0
55 20120201 1 0 0   997,301.05 0.0438 4,992.85 20120301 0 0
56 20120201 1 0 0   786,012.83 0.0475 4,110.58 20120301 0 0
57 20120201 1 0 0   834,633.46 0.0475 4,376.62 20120301 0 0
58 20120201 1 0 0   720,137.66 0.0463 3,712.09 20120301 0 0
59 20120201 1 0 0   538,669.36 0.0488 2,857.72 20120301 0 0
60 20120201 1 0 0   977,272.55 0.0475 5,112.14 20120301 0 0
61 20120201 1 0 0   678,285.55 0.0475 3,547.20 20120301 0 0
62 20120201 1 0 0   580,521.75 0.0450 2,964.11 20120301 0 0
63 20120301 1 0 0   914,459.15 0.0450 4,641.24 20120301 0 0
64 20120301 1 0 0   917,344.40 0.0475 4,791.33 20120301 0 0
65 20120301 1 0 0   443,364.17 0.0488 2,349.21 20120301 0 0
66 20120301 1 0 0   958,792.19 0.0475 5,007.81 20120301 0 0
67 20120301 1 0 0   699,119.30 0.0475 3,651.53 20120301 0 0
68 20120301 1 0 0   636,679.39 0.0463 3,277.64 20120301 0 0
69 20120301 1 0 0   853,874.09 0.0450 4,332.16 20120301 0 0
70 20120301 1 0 0   1,234,444.94 0.0475 6,447.56 20120301 0 0
71 20120301 1 0 0   1,158,437.46 0.0438 5,791.71 20120301 0 0
72 20120301 1 0 0   559,111.68 0.0488 2,962.51 20120301 0 0
73 20120401 1 0 0   456,000.00 0.0475 2,378.71 20120301 0 0
74 20120401 1 0 0   500,000.00 0.0463 2,570.70 20120301 0 0
75 20120401 1 0 0   490,000.00 0.0475 2,556.07 20120301 0 0
76 20120401 1 0 0   1,200,000.00 0.0438 5,991.42 20120301 0 0
77 20120401 1 0 0   830,000.00 0.0475 4,329.67 20120301 0 0
78 20120101 1 0 0   561,993.66 0.0438 2,832.45 20120301 0 0
79 20111101 1 0 0   1,118,027.19 0.0488 5,953.59 20120301 0 0
80 20111101 1 0 0   881,303.56 0.0488 4,693.02 20120301 0 0
81 20111101 1 0 0   887,226.42 0.0475 4,684.39 20120301 0 0
82 20111201 1 0 0   1,282,579.95 0.0463 6,632.40 20120301 0 0
83 20111101 1 0 0   467,086.91 0.0488 2,487.28 20120301 0 0
84 20111201 1 0 0   437,721.36 0.0463 2,262.21 20120301 0 0
85 20120101 1 0 0   1,070,926.41 0.0475 5,607.71 20120301 0 0
86 20111101 1 0 0   972,650.24 0.0463 5,033.43 20120301 0 0
87 20111101 1 0 0   445,064.30 0.0513 2,439.30 20120301 0 0
88 20111101 1 0 0   992,003.33 0.0463 5,141.14 20120301 0 0
89 20111101 1 0 0   983,578.91 0.0463 5,089.98 20120301 0 0
90 20111201 1 0 0   676,635.08 0.0488 3,598.62 20120301 0 0
91 20111201 1 0 0   895,105.96 0.0463 4,627.26 20120301 0 0
92 20111101 1 0 0   645,878.54 0.0475 3,390.71 20120301 0 0
93 20111101 1 0 0   827,275.33 0.0450 4,219.68 20120301 0 0
94 20111201 1 0 0   608,491.82 0.0538 3,422.82 20120301 0 0
95 20111201 1 0 0   585,402.57 0.0463 3,025.45 20120301 0 0
96 20111201 1 0 0   569,296.54 0.0513 3,114.47 20120301 0 0
97 20111201 1 0 0   557,164.98 0.0475 2,921.23 20120301 0 0
98 20111101 1 0 0   978,611.36 0.0463 5,064.27 20120301 0 0
99 20111101 1 0 0   979,859.82 0.0488 5,234.13 20120301 0 0
100 20111001 1 0 0   552,975.45 0.0525 3,074.95 20120301 0 0
101 20120101 1 0 0   795,044.42 0.0488 4,223.08 20120301 0 0
102 20111201 1 0 0   857,831.11 0.0500 4,627.40 20120301 0 0
103 20120101 1 0 0   752,956.79 0.0475 3,948.87 20120301 0 0
104 20111201 1 0 0   1,079,381.06 0.0463 5,578.41 20120301 0 0
105 20111201 1 0 0   442,797.96 0.0488 2,354.98 20120301 0 0
106 20111201 1 0 0   1,015,066.96 0.0500 5,475.58 20120301 0 0
107 20111201 1 0 0   736,080.15 0.0450 3,749.47 20120301 0 0
108 20120101 1 0 0   745,926.79 0.0488 3,962.18 20120301 0 0
109 20120101 1 0 0   534,059.86 0.0500 2,877.36 20120301 0 0
110 20120101 1 0 0   769,205.61 0.0500 4,144.26 20120301 0 0
111 20111201 1 0 0   524,591.20 0.0488 2,789.99 20120301 0 0
112 20120101 1 0 0   685,451.82 0.0488 3,640.95 20120301 0 0
113 20120201 1 0 0   793,993.08 0.0475 4,152.31 20120301 0 0
114 20120101 1 0 0   916,236.87 0.0450 4,669.11 20120301 0 0
115 20120201 1 0 0   638,349.18 0.0463 3,290.49 20120301 0 0
116 20111201 1 0 0   1,988,482.06 0.0475 10,425.64 20120301 0 0
117 20120201 1 0 0   613,413.65 0.0463 3,161.96 20120301 0 0
118 20120201 1 0 0   483,706.90 0.0475 2,529.99 20120301 0 0
119 20120101 1 0 0   996,209.62 0.0475 5,216.47 20120301 0 0
120 20120201 1 0 0   648,245.69 0.0438 3,245.35 20120301 0 0
121 20120201 1 0 0   618,575.98 0.0438 3,096.81 20120301 0 0
122 20120201 1 0 0   688,150.11 0.0488 3,650.74 20120301 0 0
123 20120201 1 0 0   714,609.42 0.0450 3,630.40 20120301 0 0
124 20120201 1 0 0   493,153.50 0.0475 2,579.02 20120301 0 0
125 20120201 1 0 0   866,210.53 0.0475 4,529.99 20120301 0 0
126 20120301 1 0 0   1,158,606.20 0.0500 6,227.13 20120301 0 0
127 20120201 1 0 0   877,781.28 0.0475 4,590.50 20120301 0 0
128 20111201 1 0 0   606,911.86 0.0475 3,182.05 20120301 0 0
129 20120301 1 0 0   1,587,906.20 0.0450 8,056.30 20120301 0 0
130 20120301 1 0 0   848,905.85 0.0463 4,370.19 20120301 0 0
131 20120201 1 0 0   804,918.40 0.0463 4,149.11 20120301 0 0
132 20120301 1 0 0   808,980.91 0.0475 4,225.34 20120301 0 0
133 20120301 1 0 0   574,259.85 0.0463 2,956.30 20120301 0 0
134 20120201 1 0 0   478,789.79 0.0475 2,503.91 20120301 0 0
135 20120301 1 0 0   911,824.76 0.0463 4,694.09 20120301 0 0
136 20120301 1 0 0   942,756.89 0.0450 4,783.11 20120301 0 0
137 20120301 1 0 0   774,002.40 0.0463 3,984.58 20120301 0 0
138 20120201 1 0 0   558,505.66 0.0463 2,878.92 20120301 0 0
139 20120201 1 0 0   598,588.15 0.0513 3,266.92 20120301 0 0
140 20120301 1 0 0   724,045.28 0.0450 3,673.47 20120301 0 0
141 20120301 1 0 0   479,367.91 0.0450 2,432.09 20120301 0 0
142 20120301 1 0 0   712,061.08 0.0450 3,612.67 20120301 0 0
143 20120301 1 0 0   698,999.07 0.0463 3,598.46 20120301 0 0
144 20120301 1 0 0   602,537.27 0.0438 3,012.44 20120301 0 0
145 20120301 1 0 0   719,073.20 0.0463 3,701.80 20120301 0 0
146 20111201 1 0 0   994,887.76 0.0475 5,216.21 20120301 0 0
147 20111201 1 0 0   939,111.24 0.0463 4,853.48 20120301 0 0
148 20120101 1 0 0   525,202.25 0.0475 2,750.12 20120301 0 0
149 20120101 1 0 0   497,151.82 0.0488 2,640.75 20120301 0 0
150 20120201 1 0 0   548,485.40 0.0438 2,746.07 20120301 0 0
151 20120201 1 0 0   790,048.38 0.0488 4,191.33 20120301 0 0
152 20120301 1 0 0   452,017.40 0.0463 2,327.00 20120301 0 0
153 20120401 1 0 0   585,000.00 0.0425 2,877.85 20120301 0 0
154 20120301 1 0 0   695,104.09 0.0463 3,578.41 20120301 0 0
155 20120301 1 0 0   613,890.54 0.0450 3,114.59 20120301 0 0
156 20120201 1 0 0   518,627.91 0.0450 2,634.76 20120301 0 0
157 20120301 1 0 0   535,605.67 0.0500 2,878.71 20120301 0 0
158 20120301 1 0 0   878,917.97 0.0488 4,657.03 20120301 0 0
159 20120401 1 0 0   999,950.00 0.0463 5,141.14 20120301 0 0
160 20120301 1 0 0   1,343,407.67 0.0475 7,016.68 20120301 0 0
161 20120101 1 0 0   1,090,944.40 0.0488 5,794.83 20120301 0 0

 

KEY ARM Look-back
Days
Gross Margin ARM Round Flag ARM Round Factor Initial Fixed Rate
Period
Initial Interest Rate
Cap (Change Up)
Initial Interest Rate
Cap (Change Down)
Subsequent Interest
Rate Reset Period
Subsequent Interest
Rate Cap (Change Down)
Subsequent Interest
Rate Cap (Change
Up)
Lifetime Maximum
Rate (Ceiling)
1                      
2                      
3                      
4                      
5                      
6                      
7                      
8                      
9                      
10                      
11                      
12                      
13                      
14                      
15                      
16                      
17                      
18                      
19                      
20                      
21                      
22                      
23                      
24                      
25                      
26                      
27                      
28                      
29                      
30                      
31                      
32                      
33                      
34                      
35                      
36                      
37                      
38                      
39                      
40                      
41                      
42                      
43                      
44                      
45                      
46                      
47                      
48                      
49                      
50                      
51                      
52                      
53                      
54                      
55                      
56                      
57                      
58                      
59                      
60                      
61                      
62                      
63                      
64                      
65                      
66                      
67                      
68                      
69                      
70                      
71                      
72                      
73                      
74                      
75                      
76                      
77                      
78                      
79                      
80                      
81                      
82                      
83                      
84                      
85                      
86                      
87                      
88                      
89                      
90                      
91                      
92                      
93                      
94                      
95                      
96                      
97                      
98                      
99                      
100                      
101                      
102                      
103                      
104                      
105                      
106                      
107                      
108                      
109                      
110                      
111                      
112                      
113                      
114                      
115                      
116                      
117                      
118                      
119                      
120                      
121                      
122                      
123                      
124                      
125                      
126                      
127                      
128                      
129                      
130                      
131                      
132                      
133                      
134                      
135                      
136                      
137                      
138                      
139                      
140                      
141                      
142                      
143                      
144                      
145                      
146                      
147                      
148                      
149                      
150                      
151                      
152                      
153                      
154                      
155                      
156                      
157                      
158                      
159                      
160                      
161                      

 

KEY Lifetime Minimum
Rate (Floor)
Negative
Amortization Limit
Initial Negative
Amortization Recast
Period
Subsequent
Negative
Amortization Recast
Period
Initial Fixed
Payment Period
Subsequent
Payment Reset
Period
Initial Periodic
Payment Cap
Subsequent
Periodic Payment
Cap
Initial Minimum
Payment Reset
Period
Subsequent
Minimum Payment
Reset Period
Option ARM
Indicator
Options at Recast
1                        
2                        
3                        
4                        
5                        
6                        
7                        
8                        
9                        
10                        
11                        
12                        
13                        
14                        
15                        
16                        
17                        
18                        
19                        
20                        
21                        
22                        
23                        
24                        
25                        
26                        
27                        
28                        
29                        
30                        
31                        
32                        
33                        
34                        
35                        
36                        
37                        
38                        
39                        
40                        
41                        
42                        
43                        
44                        
45                        
46                        
47                        
48                        
49                        
50                        
51                        
52                        
53                        
54                        
55                        
56                        
57                        
58                        
59                        
60                        
61                        
62                        
63                        
64                        
65                        
66                        
67                        
68                        
69                        
70                        
71                        
72                        
73                        
74                        
75                        
76                        
77                        
78                        
79                        
80                        
81                        
82                        
83                        
84                        
85                        
86                        
87                        
88                        
89                        
90                        
91                        
92                        
93                        
94                        
95                        
96                        
97                        
98                        
99                        
100                        
101                        
102                        
103                        
104                        
105                        
106                        
107                        
108                        
109                        
110                        
111                        
112                        
113                        
114                        
115                        
116                        
117                        
118                        
119                        
120                        
121                        
122                        
123                        
124                        
125                        
126                        
127                        
128                        
129                        
130                        
131                        
132                        
133                        
134                        
135                        
136                        
137                        
138                        
139                        
140                        
141                        
142                        
143                        
144                        
145                        
146                        
147                        
148                        
149                        
150                        
151                        
152                        
153                        
154                        
155                        
156                        
157                        
158                        
159                        
160                        
161                        

 

KEY Initial Minimum
Payment
Current Minimum
Payment
Prepayment Penalty
Calculation
Prepayment Penalty
Type
Prepayment Penalty
Total Term
Prepayment Penalty
Hard Term
Primary Borrower ID Number of
Mortgaged
Properties
Total Number of
Borrowers
Self-employment
Flag
Current ‘Other’
Monthly Payment
1         0   152 1   0  
2         0   293 1   0  
3         0   143 1   0  
4         0   11 2   0  
5         0   248 2   1  
6         0   118 1   0  
7         0   146 2   1  
8         0   69 1   0  
9         0   264 1   1  
10         0   217 2   0  
11         0   220 1   1  
12         0   122 2   1  
13         0   131 1   0  
14         0   116 1   0  
15         0   121 2   0  
16         0   126 1   0  
17         0   149 2   0  
18         0   132 1   0  
19         0   123 1   0  
20         0   112 1   0  
21         0   117 1   0  
22         0   155 2   1  
23         0   168 1   0  
24         0   223 1   0  
25         0   73 1   0  
26         0   156 3   1  
27         0   174 1   1  
28         0   211 4   1  
29         0   197 1   1  
30         0   283 1   1  
31         0   127 1   1  
32         0   256 2   0  
33         0   277 1   0  
34         0   270 1   0  
35         0   281 2   0  
36         0   192 1   0  
37         0   267 2   1  
38         0   260 1   1  
39         0   160 1   0  
40         0   36 1   1  
41         0   32 1   0  
42         0   37 1   0  
43         0   102 3   1  
44         0   313 2   0  
45         0   97 1   0  
46         0   253 1   0  
47         0   135 3   1  
48         0   26 1   0  
49         0   7 1   0  
50         0   81 1   0  
51         0   100 2   0  
52         0   178 1   1  
53         0   10 1   1  
54         0   56 3   0  
55         0   229 2   1  
56         0   239 2   1  
57         0   301 1   0  
58         0   231 3   0  
59         0   113 2   1  
60         0   23 3   1  
61         0   308 2   1  
62         0   98 3   0  
63         0   76 2   0  
64         0   138 1   0  
65         0   103 1   0  
66         0   101 1   0  
67         0   215 1   0  
68         0   94 1   0  
69         0   268 3   1  
70         0   290 1   1  
71         0   99 2   1  
72         0   244 1   0  
73         0   91 1   0  
74         0   31 4   1  
75         0   15 2   1  
76         0   266 3   1  
77         0   88 1   0  
78         0   106 1   0  
79         0   302 4   1  
80         0   85 2   1  
81         0   199 1   0  
82         0   310 1   0  
83         0   142 2   0  
84         0   202 1   0  
85         0   82 2   0  
86         0   279 1   0  
87         0   314 2   1  
88         0   175 1   0  
89         0   59 2   1  
90         0   87 1   0  
91         0   289 1   0  
92         0   193 2   1  
93         0   182 2   1  
94         0   148 3   1  
95         0   204 2   0  
96         0   28 1   1  
97         0   165 2   0  
98         0   95 1   1  
99         0   61 2   1  
100         0   65 1   0  
101         0   29 1   0  
102         0   185 3   1  
103         0   38 1   1  
104         0   159 1   0  
105         0   257 1   0  
106         0   206 1   0  
107         0   12 1   1  
108         0   216 3   0  
109         0   191 1   0  
110         0   189 2   1  
111         0   171 2   1  
112         0   177 1   1  
113         0   162 2   0  
114         0   172 1   0  
115         0   173 1   0  
116         0   141 2   0  
117         0   5 1   0  
118         0   108 2   1  
119         0   327 1   0  
120         0   145 1   1  
121         0   183 1   0  
122         0   180 2   0  
123         0   243 1   1  
124         0   125 1   1  
125         0   359 1   1  
126         0   195 2   1  
127         0   188 2   0  
128         0   22 2   0  
129         0   230 4   1  
130         0   196 1   1  
131         0   186 1   1  
132         0   84 1   0  
133         0   83 1   0  
134         0   144 2   0  
135         0   124 2   1  
136         0   14 1   1  
137         0   30 1   1  
138         0   45 2   0  
139         0   323 2   1  
140         0   93 2   1  
141         0   184 1   0  
142         0   49 1   0  
143         0   286 2   0  
144         0   208 1   0  
145         0   119 4   0  
146         0   228 1   1  
147         0   272 1   0  
148         0   176 1   1  
149         0   241 2   0  
150         0   79 2   0  
151         0   9 2   0  
152         0   236 2   0  
153         0   179 1   0  
154         0   210 2   1  
155         0   161 1   0  
156         0   92 1   0  
157         0   20 2   0  
158         0   42 1   1  
159         0   77 2   1  
160         0   200 3   1  
161         0   111 1   0  

 

KEY Length of
Employment:
Borrower
Length of
Employment: Co-
Borrower
Years in Home FICO Model Used Most Recent FICO
Date
Primary Wage
Earner Original
FICO: Equifax
Primary Wage
Earner Original
FICO: Experian
Primary Wage
Earner Original
FICO: TransUnion
Secondary Wage
Earner Original
FICO: Equifax
Secondary Wage
Earner Original
FICO: Experian
Secondary Wage
Earner Original
FICO: TransUnion
Original
Primary Borrower
FICO
1 0.00   14.00 1               786
2 5.00 0.00 1.00 1               745
3 21.00   13.00 1               777
4 10.00 15.00 10.00 1               722
5 5.00 3.00 1.00 1               800
6 18.67 18.00 7.00 1               792
7 13.10   15.40 1               787
8 0.30   0.00 1               762
9 15.00   0.01 1               768
10 3.30 4.00 0.00 1               782
11 27.00   43.00 1               783
12 6.90 6.80 0.00 1               776
13 1.00   12.00 1               749
14 6.00   0.00 1               777
15 9.00 4.00 0.00 1               710
16 14.00 21.00 23.00 1               767
17 17.00 18.00 4.00 1               760
18 0.50 0.00 6.00 1               703
19 6.00   15.00 1               800
20 8.00 0.00 1.00 1               778
21 4.00   0.50 1               785
22 9.00   12.00 1               751
23 9.00 10.00 4.00 1               773
24 15.00 18.00 7.00 1               807
25 2.00   0.00 1               810
26 6.00   0.00 1               797
27 14.00   0.00 1               798
28 20.00   16.00 1               774
29 9.00 0.00 2.00 1               745
30 18.00 0.00 11.00 1               750
31 3.00 0.00 6.00 1               771
32 7.60   5.30 1               794
33 29.80   4.00 1               798
34 3.00   14.00 1               791
35 0.83   3.00 1               776
36 12.00   4.00 1               748
37 2.40   0.00 1               759
38 5.92   3.00 1               795
39 0.00   0.00 1 20120227             758
40 12.00   2.00 1               748
41 13.00   10.00 1               737
42 7.00   0.50 1               766
43 4.00   0.00 1               768
44 6.00   0.00 1               768
45 14.00   8.00 1               756
46 0.00   1.00 1               807
47 37.00   8.00 1               723
48 0.00   9.00 1               801
49 9.00 9.00 3.00 1               792
50 3.00 29.00 10.00 1               782
51 3.00   4.00 1               757
52 7.00   4.00 1               794
53 16.00   16.00 1               773
54 1.00   0.00 1               754
55 24.00   0.00 1               749
56 10.00   0.00 1               751
57 0.00   5.00 1               801
58 20.00 20.00 0.66 1               772
59 7.00   0.00 1               778
60 16.00 3.00 6.00 1               756
61 1.00   0.00 1               776
62 17.00 17.00 3.00 1               781
63 4.00 5.00 3.00 1               759
64 6.00 0.00 4.00 1               757
65 11.00   0.00 1               769
66 3.00 0.00 3.00 1               777
67 0.00   35.00 1               718
68 10.00 15.00 0.00 1               812
69 16.00 0.00 12.00 1               771
70 20.00 0.00 0.00 1               762
71 10.00 0.00 2.00 1               784
72 20.00 0.00 10.00 1               780
73 20.00   2.00 1               702
74 32.00   26.00 1               703
75 9.00   0.00 1               728
76 17.00 0.00 1.00 1               771
77 1.00 0.00 3.00 1               765
78 31.30   0.00 1               790
79 9.92 12.00 0.00 1 20120227             759
80 1.83 4.00 2.50 1 20120227             695
81 2.00   2.50 1 20120227             768
82 7.10   14.00 1               791
83 4.00   0.00 1 20120227             792
84 37.80   9.00 1               783
85 3.00 3.00 3.25 1               797
86 22.00   17.00 1 20120227             704
87 5.00 10.00 0.00 1 20120227             784
88 12.00   1.50 1 20120227             780
89 2.50   1.00 1 20120227             778
90 14.00 3.00 10.00 1               762
91 1.70   2.00 1               756
92 10.00   0.00 1 20120227             774
93 31.00   0.00 1 20120227             793
94 12.00   0.00 1               722
95 1.30 5.00 0.00 1               762
96 12.00   11.00 1               792
97 11.00   0.00 1               772
98 18.00   2.00 1 20120227             805
99 12.00 7.00 2.50 1 20120227             728
100 0.20   0.00 1 20120227             773
101 1.50 1.00 0.00 1               772
102 6.00 9.00 1.08 1               736
103 0.67   0.33 1               721
104 18.00   10.00 1               706
105 4.10   13.00 1               788
106 4.17   0.00 1               791
107 35.00   6.00 1 20120227             737
108 2.90   0.00 1               783
109 13.00   0.00 1               775
110 21.00 10.00 0.00 1               801
111 11.00 2.00 0.00 1               779
112 15.00   14.00 1               763
113 4.00   0.00 1               801
114 3.75   0.75 1               779
115 2.50   6.50 1               779
116 8.00   1.00 1               770
117 9.00 5.00 5.00 1               795
118 31.00 11.00 7.00 1               797
119 2.00   0.17 1               771
120 21.00   19.00 1               774
121 7.00   0.67 1               760
122 12.90   0.00 1               780
123 22.00 22.00 16.00 1               754
124 11.60 12.00 2.00 1               771
125 20.00   12.00 1               793
126 25.00   3.00 1               775
127 15.00   11.00 1               783
128 10.00   0.00 1               753
129 29.00 0.00 0.00 1               766
130 7.00 7.00 3.00 1               723
131 20.00 2.00 10.00 1               765
132 8.00 0.00 11.00 1               706
133 1.00 1.00 11.00 1               745
134 4.00   0.00 1               790
135 25.00 25.00 19.00 1               769
136 30.00 30.00 24.00 1               767
137 24.00 24.00 0.00 1               787
138 11.00 0.00 0.00 1               780
139 9.00 7.00 0.00 1               809
140 16.00 0.00 0.00 1               748
141 0.00 28.00 2.00 1               786
142 0.00 0.00 15.00 1               771
143 16.00   0.00 1               764
144 3.00 4.00 7.00 1               813
145 0.00 0.00 5.00 1               792
146 7.00   4.60 1               782
147 3.10 0.00 3.00 1               772
148 4.00 2.00 4.67 1               766
149 0.00 0.00 22.00 1               797
150 0.30 0.00 0.00 1               752
151 6.50 7.00 0.00 1               792
152 2.00   3.00 1               814
153 7.00 0.00 4.00 1               773
154 7.00 15.00 5.00 1               779
155 6.00   6.00 1               801
156 8.00   0.00 1               796
157 3.00 0.00 0.00 1               788
158 8.00 0.00 0.25 1               769
159 7.00 0.00 2.00 1               770
160 25.00 10.00 7.00 1               734
161 9.00 2.59 3.00 1               746

 

KEY Most Recent
Primary Borrower
FICO
Most Recent Co-
Borrower FICO
Most Recent FICO
Method
VantageScore:
Primary Borrower
VantageScore: Co-
Borrower
Most Recent
VantageScore
Method
VantageScore Date Credit Report:
Longest Trade Line
Credit Report:
Maximum Trade
Line
Credit Report:
Number of Trade
Lines
Credit Line Usage
Ratio
1                      
2                      
3                      
4                      
5                      
6                      
7                      
8                      
9                      
10                      
11                      
12                      
13                      
14                      
15                      
16                      
17                      
18                      
19                      
20                      
21                      
22                      
23                      
24                      
25                      
26                      
27                      
28                      
29                      
30                      
31                      
32                      
33                      
34                      
35                      
36                      
37                      
38                      
39 763                    
40                      
41                      
42                      
43                      
44                      
45                      
46                      
47                      
48                      
49                      
50                      
51                      
52                      
53                      
54                      
55                      
56                      
57                      
58                      
59                      
60                      
61                      
62                      
63                      
64                      
65                      
66                      
67                      
68                      
69                      
70                      
71                      
72                      
73                      
74                      
75                      
76                      
77                      
78                      
79 771                    
80 713                    
81 760                    
82                      
83 801                    
84                      
85                      
86 750                    
87 781                    
88 791                    
89 773                    
90                      
91                      
92 769                    
93 786                    
94                      
95                      
96                      
97                      
98 802                    
99 751                    
100 773                    
101                      
102                      
103                      
104                      
105                      
106                      
107 743                    
108                      
109                      
110                      
111                      
112                      
113                      
114                      
115                      
116                      
117                      
118                      
119                      
120                      
121                      
122                      
123                      
124                      
125                      
126                      
127                      
128                      
129                      
130                      
131                      
132                      
133                      
134                      
135                      
136                      
137                      
138                      
139                      
140                      
141                      
142                      
143                      
144                      
145                      
146                      
147                      
148                      
149                      
150                      
151                      
152                      
153                      
154                      
155                      
156                      
157                      
158                      
159                      
160                      
161                      

 

KEY Most Recent 12-
month Pay History
Months Bankruptcy Months Foreclosure Primary Borrower
Wage Income
Co-Borrower Wage
Income
Primary Borrower
Other Income
Co-Borrower Other
Income
All Borrower Wage
Income
All Borrower Total
Income
1 000000000000     2,259.80 957.00 17,418.93 0.00 3,216.80 20,635.73
2 000000000000     20,433.87 0.00 -1,432.93 0.00 20,433.87 19,000.94
3 000000000000     17,774.62   0.00   17,774.62 17,774.62
4 000000000000     9,033.19 4,051.66 4,218.16 0.00 13,084.85 17,303.01
5 000000000000     25,669.00 8,025.00 -1,161.00 0.00 33,694.00 32,533.00
6 000000000000     0.00 14,043.67 0.00 3,293.67 14,043.67 17,337.34
7 000000000000     40,368.50   0.00   40,368.50 40,368.50
8 000000000000     20,000.00 0.00 0.00 -178.00 20,000.00 19,822.04
9 000000000000     31,438.46 0.00 3,616.00 0.00 31,438.46 35,054.46
10 000000000000     15,000.00 6,500.00 0.00 0.00 21,500.00 21,500.00
11 000000000000     15,082.00 0.00 3,024.17 1,151.08 15,082.00 19,257.25
12 000000000000     34,488.00 -471.00 5,722.00 0.00 34,017.00 39,739.00
13 000000000000     13,333.34 3,968.00 0.00 0.00 17,301.34 17,301.01
14 000000000000     22,083.34 0.00 5,918.95 0.00 22,083.34 28,002.29
15 000000000000     8,756.00 9,358.33 108.33 1,475.38 18,114.33 19,698.04
16 000000000000     12,072.92 8,333.33 0.00 0.00 20,406.25 20,406.25
17 000000000000     14,737.19 12,916.67 0.00 0.00 27,653.86 27,653.86
18 000000000000     13,749.99 0.00 0.00 0.00 13,749.99 13,749.99
19 000000000000     20,950.00   -1,149.25   20,950.00 19,800.75
20 000000000000     10,583.34 0.00 16,514.74 0.00 10,583.34 27,098.08
21 000000000000     31,041.67 0.00 0.00 0.00 31,041.67 31,041.67
22 000000000000     80,047.96 0.00 0.00 0.00 80,047.96 80,047.96
23 000000000000     15,130.96 -3,908.75 -1,056.29 0.00 11,222.21 10,165.92
24 000000000000     3,201.25 0.00 5,488.54 0.00 3,201.25 8,689.79
25 000000000000     18,750.00   0.00   18,750.00 18,750.00
26 000000000000     13,344.49   456.00   13,344.49 13,800.49
27 000000000000     19,048.00   119,187.00   19,048.00 138,235.00
28 000000000000     48,879.00   -9,204.00   48,879.00 39,675.00
29 000000000000     16,666.66 0.00 32,125.00 0.00 16,666.66 48,791.66
30 000000000000     26,830.00 0.00 0.00 0.00 26,830.00 26,830.00
31 000000000000     23,177.00 0.00 12,174.42 0.00 23,177.00 35,351.42
32 000000000000     18,454.15   -477.33   18,454.15 17,976.82
33 000000000000     25,908.34 0.00 0.00 0.00 25,908.34 25,908.34
34 000000000000     37,429.05 0.00 0.00 0.00 37,429.05 37,429.05
35 000000000000     25,000.02 0.00 0.00 0.00 25,000.02 25,000.02
36 000000000000     19,750.00 0.00 0.00 0.00 19,750.00 19,750.00
37 000000000000     20,826.17   1,146.77   20,826.17 21,972.94
38 000000000000     22,278.17   0.00   22,278.17 22,278.17
39 000000000000     14,923.00 0.00 0.00 0.00 14,923.00 14,923.00
40 000000000000     157,825.08 0.00 0.00 0.00 157,825.08 157,825.08
41 000000000000     18,692.30   0.00   18,692.30 18,692.30
42 000000000000     20,416.33   0.00   20,416.33 20,416.33
43 000000000000     8,204.75 0.00 24,790.25 0.00 8,204.75 32,995.00
44 000000000000     20,264.70   9,515.74   20,264.70 29,780.44
45 000000000000     27,468.90   3,131.25   27,468.90 30,600.15
46 000000000000     7,234.00 5,342.00 618.00 0.00 12,576.00 13,194.00
47 000000000000     42,833.00 0.00 614.00 0.00 42,833.00 43,447.00
48 000000000000     11,253.00   6,303.00   11,253.00 17,556.00
49 000000000000     9,666.66 23,124.00 0.00 0.00 32,790.66 32,790.66
50 000000000000     9,281.40 10,616.93 0.00 0.00 19,898.33 19,898.33
51 000000000000     8,813.87 0.00 644.45 0.00 8,813.87 9,458.32
52 000000000000     49,301.00 0.00 0.00 0.00 49,301.00 49,301.00
53 000000000000     33,678.00 0.00 -1,386.97 0.00 33,678.00 32,291.03
54 000000000000     47,208.33   -4,155.79   47,208.33 43,052.54
55 000000000000     83,944.00   -9,222.00   83,944.00 74,722.00
56 000000000000     15,335.00 0.00 0.00 0.00 15,335.00 15,335.00
57 000000000000     10,247.00 0.00 2,623.00 0.00 10,247.00 12,870.00
58 000000000000     8,663.30 10,207.60 -2,509.00 0.00 18,870.90 16,361.90
59 000000000000     19,754.89   -2,455.68   19,754.89 17,299.21
60 000000000000     17,217.00 2,500.00 -2,375.23 0.00 19,717.00 17,341.77
61 000000000000     19,166.67 0.00 0.00 0.00 19,166.67 19,166.67
62 000000000000     4,851.00 5,401.38 -295.00 0.00 10,252.38 9,957.38
63 000000000000     14,961.00 15,582.00 -1,235.00 0.00 30,543.00 29,308.00
64 000000000000     5,364.67 0.00 27,428.90 0.00 5,364.67 32,793.57
65 000000000000     11,499.31   0.00   11,499.31 11,499.31
66 000000000000     41,350.00 0.00 0.00 0.00 41,350.00 41,350.00
67 000000000000     10,729.67   0.00   10,729.67 10,729.67
68 000000000000     0.00 1,230.83 12,819.98 0.00 1,230.83 14,050.81
69 000000000000     20,683.81 0.00 0.00 0.00 20,683.81 20,683.81
70 000000000000     35,332.44 0.00 0.00 0.00 35,332.44 35,332.44
71 000000000000     33,650.00 0.00 3,418.00 0.00 33,650.00 37,068.00
72 000000000000     12,691.31 0.00 0.00 0.00 12,691.31 12,691.31
73 000000000000     8,161.33   0.00   8,161.33 8,161.33
74 000000000000     16,740.00   1,699.00   16,740.00 18,439.00
75 000000000000     26,038.93   0.00   26,038.93 26,038.93
76 000000000000     123,062.77 0.00 -5,362.00 0.00 123,062.77 117,700.77
77 000000000000     16,666.66 0.00 0.00 0.00 16,666.66 16,666.66
78 000000000000     21,333.33 0.00 0.00 0.00 21,333.33 21,333.33
79 000000000000     38,912.00 4,333.00 -788.00 973.00 43,245.00 43,430.75
80 000000000000     23,493.00 16,675.00 2,608.00 0.00 40,168.00 42,776.00
81 000000000000     29,083.34   0.00   29,083.34 29,083.34
82 000000000000     20,356.12 0.00 7,006.29 0.00 20,356.12 27,362.41
83 000000000000     13,025.00 0.00 0.00 0.00 13,025.00 13,025.00
84 000000000000     18,400.81 0.00 0.00 0.00 18,400.81 18,400.81
85 000000000000     23,192.34 31,550.00 0.00 -241.00 54,742.34 54,501.09
86 000000000000     19,166.68 0.00 -1,306.33 0.00 19,166.68 17,860.35
87 000000000000     17,657.00 11,407.00 0.00 0.00 29,064.00 29,064.00
88 000000000000     12,859.40 0.00 83,195.71 0.00 12,859.40 96,055.11
89 000000000000     36,863.00   359.00   36,863.00 37,222.00
90 000000000000     14,600.00 12,833.00 0.00 0.00 27,433.00 27,433.00
91 000000000000     49,334.13   0.00   49,334.13 49,334.13
92 000000000000     104,862.00   0.00   104,862.00 104,862.00
93 000000000000     36,791.00   13,916.34   36,791.00 50,707.34
94 000000000000     43,548.46   0.00   43,548.46 43,548.46
95 000000000000     6,000.00 12,750.00 16.83 -292.00 18,750.00 18,475.26
96 000000000000     6,125.00   9,712.00   6,125.00 15,837.00
97 000000000000     18,333.34 0.00 15,591.30 -453.00 18,333.34 33,471.64
98 000000000000     0.00   59,182.00   0.00 59,182.00
99 000000000000     35,000.00 10,000.00 0.00 0.00 45,000.00 45,000.00
100 000000000000     11,666.67 0.00 0.00 0.00 11,666.67 11,666.67
101 000000000000     29,054.91 7,500.00 -1,399.38 0.00 36,554.91 35,155.53
102 000000000000     57,141.00 5,661.00 0.00 0.00 62,802.00 62,802.00
103 000000000000     12,916.66   0.00   12,916.66 12,916.66
104 000000000000     26,084.63   0.00   26,084.63 26,084.63
105 000000000000     17,614.13   0.00   17,614.13 17,614.13
106 000000000000     15,416.67   1,474.58   15,416.67 16,891.25
107 000000000000     12,408.34 0.00 4,684.29 0.00 12,408.34 17,092.63
108 000000000000     10,499.99   19,807.49   10,499.99 30,307.48
109 000000000000     17,333.34   15,595.63   17,333.34 32,928.97
110 000000000000     18,297.00 6,240.00 -146.00 -28.00 24,537.00 24,363.25
111 000000000000     16,665.00 10,000.00 0.00 -443.00 26,665.00 26,222.21
112 000000000000     14,924.57   2,327.00   14,924.57 17,251.57
113 000000000000     26,000.00   0.00   26,000.00 26,000.00
114 000000000000     18,750.00   1,666.67   18,750.00 20,416.67
115 000000000000     21,326.52 0.00 -6.50 0.00 21,326.52 21,320.02
116 000000000000     25,604.00   35,148.00   25,604.00 60,752.00
117 000000000000     0.00 16,022.50 8,722.96 0.00 16,022.50 24,745.46
118 000000000000     0.00 0.00 8,367.00 3,302.00 0.00 11,669.00
119 000000000000     0.00 0.00 -550.50 46,931.33 0.00 46,380.83
120 000000000000     3,412.00   7,086.00   3,412.00 10,498.00
121 000000000000     0.00   32,552.00   0.00 32,552.00
122 000000000000     14,397.17 0.00 5,364.35 0.00 14,397.17 19,761.52
123 000000000000     12,135.04 4,164.36 0.00 0.00 16,299.40 16,299.40
124 000000000000     11,574.00 2,484.00 2,484.00 0.00 14,058.00 16,542.00
125 000000000000     17,014.00   0.00   17,014.00 17,014.00
126 000000000000     35,166.00   -700.00   35,166.00 34,466.00
127 000000000000     14,916.67   4,419.81   14,916.67 19,336.48
128 000000000000     22,112.28   0.00   22,112.28 22,112.28
129 000000000000     73,646.21 0.00 16,788.00 0.00 73,646.21 90,434.21
130 000000000000     12,659.56 12,723.68 -645.35 0.00 25,383.24 24,737.89
131 000000000000     14,831.00 648.00 0.00 0.00 15,479.00 15,479.00
132 000000000000     18,750.00 0.00 0.00 0.00 18,750.00 18,750.00
133 000000000000     16,293.41 5,416.66 0.00 0.00 21,710.07 21,710.07
134 000000000000     10,877.75   16,255.65   10,877.75 27,133.40
135 000000000000     17,698.00 10,189.00 -2,661.00 1,143.00 27,887.00 26,369.00
136 000000000000     5,583.67 5,583.67 4,233.00 0.00 11,167.34 15,400.34
137 000000000000     10,208.69 9,130.43 0.00 0.00 19,339.12 19,339.12
138 000000000000     33,800.00 0.00 -3,107.07 0.00 33,800.00 30,692.93
139 000000000000     6,642.50 0.00 -1,568.00 14,077.00 6,642.50 19,151.50
140 000000000000     44,173.14 0.00 0.00 0.00 44,173.14 44,173.14
141 000000000000     5,045.46 22,416.00 -3,476.09 0.00 27,461.46 23,985.37
142 000000000000     6,802.24 0.00 6,707.83 0.00 6,802.24 13,510.07
143 000000000000     16,878.73 2,740.96 0.00 0.00 19,619.69 19,619.69
144 000000000000     0.00 0.00 6,209.08 7,103.12 0.00 13,312.20
145 000000000000     0.00 0.00 15,764.14 0.00 0.00 15,764.14
146 000000000000     14,396.00   0.00   14,396.00 14,396.00
147 000000000000     24,583.33 0.00 -462.67 0.00 24,583.33 24,120.66
148 000000000000     34,483.25 -57.33 -134.35 0.00 34,425.92 34,291.57
149 000000000000     0.00 0.00 6,138.80 1,334.38 0.00 7,473.18
150 000000000000     17,916.67 0.00 0.00 0.00 17,916.67 17,916.67
151 000000000000     15,773.34 16,778.08 0.00 0.00 32,551.42 32,551.42
152 000000000000     21,923.08   -2,528.54   21,923.08 19,394.54
153 000000000000     10,157.83 0.00 5,412.85 0.00 10,157.83 15,570.68
154 000000000000     1,970.00 16,723.17 -690.99 0.00 18,693.17 18,002.18
155 000000000000     0.00   10,861.50   0.00 10,861.50
156 000000000000     12,500.02   0.00   12,500.02 12,500.02
157 000000000000     17,136.95 7,399.58 -3,425.28 0.00 24,536.53 21,111.25
158 000000000000     41,666.67 0.00 0.00 0.00 41,666.67 41,666.67
159 000000000000     48,413.49 0.00 0.00 0.00 48,413.49 48,413.49
160 000000000000     33,797.29 1,015.72 -4,354.00 0.00 34,813.01 30,459.01
161 000000000000     10,000.00 15,134.00 0.00 0.00 25,134.00 25,134.00

 

KEY 4506-T Indicator Borrower Income
Verification Level
Co-Borrower
Income Verification
Borrower
Employment
Verification
Co-Borrower
Employment
Verification
Borrower Asset
Verification
Co-Borrower Asset
Verification
Liquid / Cash
Reserves
Monthly Debt All
Borrowers
Originator DTI Fully Indexed Rate Qualification
Method
Percentage of Down
Payment from
Borrower Own
Funds
1 1 5   3   4   4,474,985.07 8,317.79 0.4031      
2 1 5   3   4   262,782.92 6,523.44 0.3433      
3 1 5   3   3   95,703.82 7,188.31 0.4044      
4 1 5   3   4   328,513.08 7,679.66 0.4438      
5 1 5   3   4   118,896.00 6,858.54 0.2108      
6 1 5   3   4   125,324.73 4,880.24 0.2815      
7 1 5   3   4   60,342.44 6,597.22 0.1634      
8 1 5   3   4   135,565.45 6,463.55 0.3261     100.00
9 1 5   3   4   299,708.43 8,349.27 0.2382      
10 1 5   3   4   117,327.17 7,095.00 0.3300     100.00
11 1 5   3   4   123,604.18 4,926.00 0.2558      
12 1 5   3   4   373,223.65 10,272.53 0.2585     100.00
13 1 5   3   3   48,903.32 6,225.54 0.3598      
14 1 5   3   4   314,156.86 9,144.51 0.3266     67.62
15 1 5   3   4   206,131.85 7,940.28 0.4031     100.00
16 1 5   3   4   79,838.53 5,019.94 0.2460      
17 1 5   3   4   377,463.22 6,907.93 0.2498      
18 1 5   3   4   220,501.78 4,310.62 0.3135      
19 1 5   3   4   387,228.93 6,068.93 0.3065      
20 1 5   3   4   188,230.60 9,113.08 0.3363      
21 1 5   3   4   382,416.43 11,134.65 0.3587      
22 1 5   3   4   68,587.37 6,700.01 0.0837      
23 1 5   3   4   167,636.83 4,443.52 0.4371      
24 1 5   3   3   70,387.49 3,368.29 0.3876      
25 1 5   3   4   85,617.93 4,492.59 0.2396     100.00
26 1 5   3   4   134,811.83 5,840.68 0.4232     100.00
27 1 5   3   4   403,264.01 5,413.42 0.0392     100.00
28 1 5   3   4   199,468.41 16,251.04 0.4096      
29 1 5   3   4   298,805.51 19,977.99 0.4095      
30 1 5   3   3   157,552.17 8,599.02 0.3205      
31 1 4   2   3   3,927,103.63 12,012.41 0.3398      
32 1 5   3   4   136,622.45 6,293.68 0.3501      
33 1 5   3   4   61,586.79 6,946.03 0.2681      
34 1 5   3   4   664,231.87 6,138.36 0.1640      
35 1 5   3   4   77,435.30 9,542.51 0.3817      
36 1 5   3   4   551,538.47 6,904.60 0.3496      
37 1 5   3   3   398,574.74 7,534.52 0.3429     100.00
38 1 5   3   4   102,990.21 5,308.89 0.2383      
39 1 5   3   4   29,159.96 4,849.05 0.3249     100.00
40 1 5   3   4   1,848,392.86 9,307.42 0.0590      
41 1 5   3   4   997,355.82 6,630.20 0.3547      
42 1 5   3   4   194,291.58 6,329.18 0.3100      
43 1 5   3   4   76,889.55 11,734.21 0.3556     100.00
44 1 5   3   4   41,713.14 6,986.13 0.2346     100.00
45 1 5   3   4   226,316.04 5,062.06 0.1654      
46 1 5   3   4   218,608.00 5,895.69 0.4468      
47 1 5   3   4   98,723.31 15,541.56 0.3577      
48 1 5   3   4   3,162,829.97 6,071.27 0.3458      
49 1 5   3   4   65,915.53 7,516.18 0.2292      
50 1 5   3   4   528,786.51 7,098.91 0.3568      
51 1 5   3   4   206,869.27 4,837.68 0.5115      
52 1 5   3   4   396,691.77 15,776.02 0.3200      
53 1 5   3   4   598,974.41 12,522.53 0.3878      
54 1 5   3   4   525,078.50 10,320.17 0.2397     100.00
55 1 5   3   4   8,697,722.52 15,526.04 0.2078     100.00
56 1 5   3   4   252,391.00 6,823.52 0.4450     100.00
57 1 5   3   4   2,596,544.13 5,738.41 0.4459      
58 1 5   3   4   110,758.21 6,578.15 0.4020      
59 1 5   3   4   126,869.54 7,444.91 0.4304     100.00
60 1 5   3   4   200,782.92 7,609.05 0.4388      
61 1 4   3   4   288,476.00 4,813.82 0.2512     100.00
62 1 5   3   4   71,678.00 4,066.07 0.4083      
63 1 5   3   4   192,751.00 7,412.08 0.2529      
64 1 5   3   4   212,636.37 7,911.97 0.2413      
65 1 5   3   4   50,811.00 4,109.49 0.3574     87.38
66 1 5   3   4   78,750.65 6,786.16 0.1641      
67 1 5   3   4   35,439.01 5,066.22 0.4722      
68 1 5   3   4   169,896.41 4,968.76 0.3536     100.00
69 1 5   3   4   657,021.47 6,552.20 0.3168      
70 1 5   3   4   130,404.31 11,824.28 0.3347     100.00
71 1 5   3   4   2,497,614.57 9,938.23 0.2681      
72 1 5   3   4   131,361.02 4,597.93 0.3623      
73 1 5   3   4   18,850.79 3,666.92 0.4493      
74 1 5   3   4   345,940.63 6,253.62 0.3392      
75 1 5   3   4   54,694.89 7,698.23 0.2956     100.00
76 1 5   3   4   480,701.28 14,498.38 0.1232      
77 1 5   3   4   60,698.00 6,064.01 0.3638      
78 1 5   3   4   111,601.22 6,111.04 0.2865     100.00
79 1 5   3   4   279,884.78 9,014.83 0.2076     100.00
80 1 5   3   4   1,004,521.62 7,361.49 0.1721      
81 1 5   3   4   203,076.44 6,353.37 0.2185      
82 1 5   3   4   355,195.03 8,840.79 0.3231      
83 1 5   3   3   119,289.46 3,664.56 0.2813     100.00
84 1 5   3   4   37,088.68 3,948.67 0.2146      
85 1 5   3   4   252,889.05 11,142.86 0.2045      
86 1 5   3   4   270,136.43 7,752.98 0.4341      
87 1 5   3   4   60,232.22 7,020.26 0.2415     100.00
88 1 5   3   4   223,202.19 6,983.40 0.0727      
89 1 5   3   4   102,644.87 9,187.39 0.2468      
90 1 5   3   4   46,796.58 6,845.25 0.2495      
91 1 5   3   4   165,835.62 9,218.23 0.1869      
92 1 5   3   4   296,829.31 8,279.48 0.0790     100.00
93 1 5   3   4   1,250,175.45 14,557.32 0.2871     100.00
94 1 5   3   4   495,337.93 8,236.80 0.1891     100.00
95 1 5   3   4   92,901.94 5,222.96 0.2827     100.00
96 1 5   3   4   27,100.76 5,590.60 0.3530      
97 1 5   3   4   1,154,856.94 9,735.80 0.2909     100.00
98 1 5   3   4   171,003.20 10,790.18 0.1823      
99 1 5   3   4   311,841.66 14,703.48 0.3267      
100 1 5   3   4   112,257.19 5,141.12 0.4407     100.00
101 1 5   3   4   161,874.51 8,085.91 0.2300     100.00
102 1 5   3   4   150,659.29 16,631.04 0.2648      
103 1 5   3   4   130,332.66 6,310.31 0.4885      
104 1 5   3   4   731,450.00 11,808.46 0.4527      
105 1 5   3   4   271,307.75 3,497.51 0.1986      
106 1 5   3   4   132,627.07 7,161.74 0.4240     100.00
107 1 5   3   4   37,829.16 6,940.33 0.4060      
108 1 5   3   4   127,352.59 10,629.89 0.3507     100.00
109 1 5   3   4   49,416.98 11,418.71 0.3468     24.34
110 1 5   3   4   1,301,717.58 8,784.10 0.3605     100.00
111 1 5   3   4   222,890.49 7,619.52 0.2906     100.00
112 1 5   3   4   138,040.63 7,380.45 0.4278      
113 1 5   3   4   113,256.01 10,448.98 0.4019     100.00
114 1 5   3   4   101,684.84 9,152.79 0.4483      
115 1 5   3   4   355,350.36 6,174.28 0.2896      
116 1 5   3   4   341,223.28 25,442.94 0.4188      
117 1 5   3   4   597,688.86 5,146.24 0.2080      
118 1 5   3   4   198,599.91 4,073.86 0.3491      
119 1 5   3   4   3,109,687.56 7,402.38 0.1596      
120 1 5   3   4   543,900.17 4,620.09 0.4401      
121 1 5   3   4   75,803.25 6,162.91 0.1893      
122 1 5   3   4   187,561.55 9,102.16 0.4606     67.00
123 1 5   3   4   82,657.47 6,804.05 0.4174      
124 1 5   3   4   1,787,153.97 4,904.70 0.2965      
125 1 5   3   4   208,052.21 9,761.90 0.5738      
126 1 5   3   4   260,955.78 10,751.53 0.3119      
127 1 5   3   4   509,554.27 7,237.01 0.3743      
128 1 5   3   4   77,307.85 8,408.31 0.3803     93.66
129 1 5   3   4   1,877,850.30 12,362.99 0.1367     100.00
130 1 5   3   4   145,047.52 7,075.26 0.2860      
131 1 5   3   4   98,869.00 6,671.53 0.4310      
132 1 5   3   4   1,064,210.79 5,411.51 0.2886      
133 1 5   3   4   192,864.28 4,711.17 0.2170      
134 1 5   3   4   72,809.40 6,195.31 0.2283     100.00
135 1 5   3   4   429,854.10 12,630.88 0.4790      
136 1 5   3   4   231,475.56 6,597.63 0.4284      
137 1 5   3   4   189,741.37 6,406.16 0.3313     100.00
138 1 5   3   4   229,694.51 7,116.95 0.2319     100.00
139 1 5   3   4   65,298.80 5,416.29 0.2828     100.00
140 1 5   3   4   304,400.09 6,893.04 0.1560     100.00
141 1 5   3   4   152,239.66 7,190.14 0.2998      
142 1 5   3   4   4,710,053.12 5,591.66 0.4139      
143 1 5   3   4   324,982.32 8,710.22 0.4440     100.00
144 1 5   3   4   251,465.89 5,981.42 0.4493      
145 1 5   3   4   1,247,587.99 7,025.19 0.4456      
146 1 5   3   4   48,660.52 6,586.17 0.4575      
147 1 5   3   4   58,520.60 6,963.63 0.2887      
148 1 4   3   4   535,021.57 5,630.68 0.1642      
149 1 5   3   4   165,723.72 3,073.72 0.4113      
150 1 5   3   4   1,340,944.94 5,047.13 0.2817     100.00
151 1 5   3   4   169,934.33 8,215.98 0.2524     100.00
152 1 5   3   4   61,740.33 5,504.81 0.2838      
153 1 5   3   4   166,600.00 6,886.74 0.4423      
154 1 4   3   4   169,581.72 5,991.00 0.3328      
155 1 5   3   4   75,463.00 3,525.16 0.3246      
156 1 5   3   4   304,438.49 3,190.93 0.2553     100.00
157 1 5   3   4   108,724.59 7,174.78 0.3399     100.00
158 1 5   3   4   125,787.64 7,526.92 0.1806      
159 1 5   3   4   181,393.86 11,013.05 0.2275      
160 1 5   3   4   212,541.83 13,662.33 0.4485      
161 1 5   3   4   249,198.97 9,204.07 0.3662      

 

KEY City State Postal Code Property Type Occupancy Sales Price Original Appraised
Property Value
Original Property
Valuation Type
Original Property
Valuation Date
1 BLOOMFIELD HILLS MI 48302 1 1   1,400,000.00 3 20111214
2 Castle Rock CO 80108 7 1   1,500,000.00 3 20111219
3 Bloomfield Hills MI 48302 7 1   1,000,000.00 3 20111219
4 Lynnfield MA 01940 1 1   1,250,000.00 3 20120103
5 Anaheim CA 92808 1 1   1,100,000.00 3 20120114
6 Waxhaw NC 28173 7 1   800,000.00 3 20120108
7 Damascus OR 97089 1 1   595,000.00 3 20110920
8 Bellevue WA 98004 1 1 1,250,000.00 1,250,000.00 3 20111021
9 Mercer Island WA 98040 1 1   1,800,000.00 3 20111003
10 Sammamish WA 98075 7 1 740,000.00 740,000.00 3 20111113
11 Olympia WA 98506 1 1   999,000.00 3 20110926
12 Ashland OR 97520 1 1 1,300,000.00 1,350,000.00 3 20111212
13 ELMHURST IL 60126 1 1   725,000.00 3 20110913
14 WINNETKA IL 60093 1 1 1,301,717.00 1,300,000.00 3 20111026
15 GLENVIEW IL 60025 1 1 750,000.00 750,000.00 3 20111104
16 Naperville IL 60564 1 1   650,000.00 3 20110906
17 EVANSTON IL 60202 1 1   1,255,000.00 3 20110912
18 GLENVIEW IL 60025 1 1   800,000.00 3 20111027
19 Northfield IL 60093 1 1   1,450,000.00 3 20111112
20 NAPERVILLE IL 60540 1 1   1,000,000.00 3 20111129
21 GLEN ELLYN IL 60137 1 1   1,930,000.00 3 20110818
22 RIVERSIDE IL 60546 1 1   820,000.00 3 20111209
23 WAYNESVILLE MO 65583 1 1   810,000.00 3 20111226
24 Portland OR 97219 1 1   650,000.00 3 20111209
25 Portland OR 97211 1 1 715,000.00 725,000.00 3 20111214
26 Castle Rock CO 80108 6 1 1,110,000.00 1,350,000.00 3 20120112
27 THE WOODLANDS TX 77382 1 1 657,000.00 660,000.00 3 20111020
28 PAWLEYS ISLAND SC 29585 1 1   2,500,000.00 3 20111114
29 HOUSTON TX 77005 1 1   1,450,000.00 3 20111202
30 Laguna Beach CA 92651 7 1   1,950,000.00 3 20111115
31 Highland Park IL 60035 1 1   1,900,000.00 3 20111118
32 Brentwood TN 37027 7 1   650,000.00 3 20111209
33 San Jose CA 95125 1 1   900,000.00 3 20111008
34 La Canada Flintridge CA 91011 1 1   1,490,000.00 3 20111205
35 Pleasanton CA 94566 7 1   1,825,000.00 3 20120114
36 Houston TX 77055 1 1   950,000.00 3 20111219
37 Corona CA 92881 7 1 1,099,000.00 1,100,000.00 3 20111130
38 Sierra Madre CA 91024 1 1   1,240,000.00 3 20120108
39 Franklin TN 37067 1 1 595,000.00 595,000.00 3 20110919
40 New York NY 10128 1 1   4,150,000.00 3 20111102
41 Manhasset NY 11030 1 1   1,400,000.00 3 20111125
42 New York NY 10023 2 1   1,500,000.00 3 20111201
43 BOYNTON BEACH FL 33472 6 1 985,000.00 990,000.00 3 20111117
44 FORT LAUDERDALE FL 33301 1 1 750,000.00 785,000.00 3 20111110
45 BATON ROUGE LA 70808 7 1   1,050,000.00 3 20111027
46 PORTLAND OR 97239 4 1   1,075,000.00 3 20111129
47 EL SEGUNDO CA 90245 1 1   1,305,000.00 3 20111026
48 CALABASAS CA 91302 7 1   1,470,000.00 3 20110927
49 MANHATTAN BEACH CA 90266 1 1   1,350,000.00 3 20111004
50 SAN CLEMENTE CA 92672 7 1   1,390,000.00 3 20110915
51 SAN DIEGO CA 92121 6 1   750,000.00 3 20110919
52 HOUSTON TX 77005 1 1   2,800,000.00 3 20111006
53 EAST HAMPTON NY 11937 1 1   2,850,000.00 3 20110923
54 AVON BY THE SEA NJ 07717 1 2 1,300,000.00 1,220,000.00 3 20111101
55 LAGUNA BEACH CA 92651 1 1 1,800,000.00 2,100,000.00 3 20111204
56 WESTLAKE VILLAGE CA 91362 7 1 985,000.00 1,225,000.00 3 20111114
57 CARLSBAD CA 92009 7 1   1,100,000.00 3 20111026
58 LA CANADA FLINTRIDGE CA 91011 1 1   970,000.00 3 20111105
59 BOCA RATON FL 33486 7 1 675,000.00 675,000.00 3 20111129
60 EL CAJON CA 92019 1 1   1,225,000.00 3 20111022
61 POWAY CA 92064 1 1 850,000.00 850,000.00 3 20111119
62 SIMPSONVILLE SC 29681 7 1   995,000.00 3 20110923
63 PHILADELPHIA PA 19107 1 1   1,300,000.00 3 20110928
64 WILMETTE IL 60091 1 1   1,225,000.00 3 20111014
65 MIAMI FL 33179 1 1 554,888.00 556,000.00 3 20111020
66 VILLA PARK CA 92861 1 1   1,200,000.00 3 20111130
67 LOS ALTOS CA 94024 1 1   1,720,000.00 3 20111208
68 MIAMI FL 33156 1 1 850,000.00 850,000.00 3 20111209
69 SOLANA BEACH CA 92075 1 1   1,800,000.00 3 20111215
70 HUNTINGTON BEACH CA 92648 7 1 1,648,000.00 1,650,000.00 3 20111221
71 PALO ALTO CA 94306 1 1   2,000,000.00 3 20111224
72 CHINO HILLS CA 91709 7 1   715,000.00 3 20120106
73 ANNANDALE VA 22003 1 1   730,000.00 3 20111121
74 GLEN HEAD NY 11545 1 1   1,950,000.00 3 20111215
75 MARSHFIELD MA 02050 1 1 732,000.00 735,000.00 3 20120106
76 NEWPORT BEACH CA 92660 7 1   2,250,000.00 3 20120112
77 MOUNTAIN VIEW CA 94040 1 1   1,750,000.00 3 20120105
78 THE WOODLANDS TX 77389 7 1 709,132.00 735,000.00 3 20111021
79 CHULA VISTA CA 91914 7 1 1,500,000.00 1,500,000.00 3 20110913
80 WASHINGTON DC 20016 1 1   1,390,000.00 3 20110810
81 SAN DIEGO CA 92103 1 1   1,225,000.00 3 20110818
82 LOS ALTOS CA 94024 1 1   2,400,000.00 3 20110908
83 EDEN PRAIRIE MN 55347 7 1 587,500.00 625,000.00 3 20110824
84 LILYDALE MN 55118 7 1   640,000.00 3 20110826
85 SAN MARINO CA 91108 1 1   1,565,000.00 3 20110928
86 MANHATTAN BEACH CA 90266 1 1   1,650,000.00 3 20110817
87 PENSACOLA FL 32501 1 1 560,000.00 560,000.00 3 20110811
88 RICHMOND VA 23221 7 1   1,497,500.00 3 20110909
89 ARNOLD MD 21012 7 1   1,500,000.00 3 20110825
90 CLARKSVILLE MD 21029 7 1   850,000.00 3 20110823
91 GULF BREEZE FL 32561 1 1   1,200,000.00 3 20110826
92 MOUNT PLEASANT SC 29464 1 1 965,000.00 1,000,000.00 3 20110907
93 GRAFORD TX 76449 1 2 1,041,048.00 1,045,000.00 3 20110919
94 DALLAS TX 75201 4 1 815,000.00 900,000.00 3 20111012
95 DALLAS TX 75205 1 1 938,475.00 1,075,000.00 3 20110826
96 DAVIDSON NC 28036 7 1   720,000.00 3 20110811
97 FLEMING ISLAND FL 32003 7 1 860,000.00 878,000.00 3 20110926
98 UNIVERSITY PARK TX 75225 7 1   1,310,000.00 3 20110829
99 DALLAS TX 75229 1 1   1,325,000.00 3 20110908
100 THE WOODLANDS TX 77389 7 1 701,716.00 700,000.00 3 20110801
101 ENGLEWOOD NJ 07631 1 1 997,500.00 1,025,000.00 3 20111020
102 PEORIA AZ 85383 7 1   1,250,000.00 3 20110810
103 AUSTIN TX 78746 1 1   1,100,000.00 3 20111006
104 UNIVERSITY PARK TX 75205 1 1   1,550,000.00 3 20110515
105 SAN JOSE CA 95124 1 1   685,000.00 3 20110920
106 PACIFIC PALISADES CA 90272 1 1 1,275,000.00 1,275,000.00 3 20110914
107 LEAWOOD KS 66224 7 1   1,200,000.00 3 20110818
108 HENDERSON NV 89052 7 1 935,913.00 1,000,000.00 3 20111013
109 DALLAS TX 75230 1 1 670,000.00 805,000.00 3 20111020
110 AUSTIN TX 78731 1 1 965,000.00 970,000.00 3 20110927
111 UNIVERSITY PARK TX 75205 1 1 659,000.00 680,000.00 3 20110928
112 FORT WORTH TX 76107 1 1   1,175,000.00 3 20110822
113 DALLAS TX 75225 1 1 995,000.00 995,000.00 3 20111212
114 DALLAS TX 75225 1 1   1,295,850.00 3 20111027
115 PLANO TX 75093 7 1   800,000.00 3 20111019
116 DALLAS TX 75225 1 1   2,664,800.00 3 20110816
117 FORT WORTH TX 76107 7 1   1,000,000.00 3 20111216
118 BUDA TX 78610 7 1   630,000.00 3 20111205
119 DELAFIELD WI 53018 1 1   1,620,000.00 3 20110815
120 WESTPORT CT 06880 1 1   1,170,000.00 3 20111116
121 DALLAS TX 75214 1 1   827,000.00 3 20111006
122 AUSTIN TX 78746 7 1 945,000.00 1,000,000.00 3 20111109
123 GREENWOOD VILLAGE CO 80121 7 1   1,350,000.00 3 20111204
124 HOUSTON TX 77024 7 1   1,000,000.00 3 20111003
125 Highland Park TX 75205 1 1   3,400,000.00 3 20111122
126 PLANO TX 75024 7 1   1,450,000.00 3 20110916
127 DALLAS TX 75230 1 1   1,300,000.00 3 20111007
128 SOUTHLAKE TX 76092 7 1 819,089.00 885,000.00 3 20111007
129 COTO DE CAZA CA 92679 7 1 2,650,000.00 2,650,000.00 3 20111121
130 AUSTIN TX 78703 1 1   1,200,000.00 3 20111121
131 UNIVERSITY PARK TX 75225 1 1   1,015,000.00 3 20111123
132 UPPERCO MD 21155 1 1   1,300,000.00 3 20111128
133 COCKEYSVILLE MD 21030 1 1   875,000.00 3 20111202
134 DALLAS TX 75214 1 1 730,000.00 730,000.00 3 20111206
135 GREEN LAKE WI 53946 1 2   2,550,000.00 3 20111207
136 STUART FL 34996 1 1   1,750,000.00 3 20111208
137 TROUTMAN NC 28166 7 1 1,075,000.00 1,150,000.00 3 20111209
138 AUSTIN TX 78732 7 1 699,999.00 700,000.00 3 20111210
139 SACRAMENTO CA 95816 1 1 855,000.00 855,000.00 3 20111216
140 CARY NC 27513 7 1 1,225,000.00 1,250,000.00 3 20111221
141 Hot Springs Village AR 71909 7 2   660,000.00 3 20111221
142 DEVON PA 19333 1 1   1,535,000.00 3 20120103
143 RALEIGH NC 27613 7 1 999,900.00 1,000,000.00 3 20120105
144 DALLAS TX 75209 1 1   1,350,000.00 3 20120105
145 CELINA TX 75009 1 1   900,000.00 3 20120106
146 SOLANA BEACH CA 92075 7 1   1,300,000.00 3 20110715
147 HOUSTON TX 77005 1 1   1,205,000.00 3 20110827
148 HOUSTON TX 77055 1 1   1,020,000.00 3 20111109
149 BASS LAKE CA 93604 1 1   650,000.00 3 20111110
150 ALPHARETTA GA 30004 7 1 950,000.00 950,000.00 3 20111123
151 DOWNERS GROVE IL 60515 1 1 990,000.00 990,000.00 3 20111129
152 FLOWER MOUND TX 75022 7 1   610,000.00 3 20120106
153 SAN ANTONIO TX 78232 1 1   1,200,000.00 3 20120116
154 KANSAS CITY MO 64110 7 1   1,000,000.00 3 20111229
155 TOWNSEND TN 37882 1 1   825,000.00 3 20111122
156 KNOXVILLE TN 37922 1 1 650,000.00 652,000.00 3 20111212
157 DESTIN FL 32541 7 2 715,000.00 725,000.00 3 20120112
158 SOUTHLAKE TX 76092 7 1   1,100,000.00 3 20111116
159 DALLAS TX 75229 1 1   2,400,000.00 3 20120113
160 NISSWA MN 56468 1 2   2,150,000.00 3 20111209
161 UNIVERSITY PARK TX 75205 1 1   1,600,000.00 3 20111013

 

KEY Original Automated
Valuation Model
(AVM) Model Name
Original AVM
Confidence Score
Most Recent
Property Value2
Most Recent
Property Valuation
Type
Most Recent
Property Valuation
Date
Most Recent AVM
Model Name
Most Recent AVM
Confidence Score
Original CLTV Original LTV Original Pledged
Assets
1               0.7364 0.5221 0
2               0.4653 0.4653 0
3               0.5600 0.5600 0
4               0.7000 0.7000 0
5               0.7364 0.7364 0
6               0.8000 0.8000 0
7               0.7933 0.7933 0
8               0.8000 0.8000 0
9               0.7500 0.7500 0
10               0.8000 0.8000 0
11               0.7425 0.6807 0
12               0.7500 0.7500 0
13               0.7500 0.7500 0
14               0.7500 0.7500 0
15               0.7500 0.7500 0
16               0.7500 0.7500 0
17               0.7500 0.7500 0
18               0.7000 0.6563 0
19               0.4886 0.4886 0
20               0.7510 0.7510 0
21               0.6606 0.6606 0
22               0.6707 0.6707 0
23               0.6944 0.6944 0
24               0.7192 0.7192 0
25               0.8000 0.8000 0
26               0.8000 0.8000 0
27               0.8000 0.8000 0
28               0.6000 0.6000 0
29               0.5079 0.5079 0
30               0.6410 0.6410 0
31               0.7000 0.7000 0
32               0.7500 0.7500 0
33               0.7469 0.7222 0
34               0.6595 0.6595 0
35               0.5381 0.5381 0
36               0.7500 0.7500 0
37               0.7491 0.7491 0
38               0.6653 0.6653 0
39               0.8000 0.8000 0
40               0.2400 0.2400 0
41               0.5114 0.5114 0
42               0.4407 0.4407 0
43               0.8000 0.8000 0
44               0.8000 0.8000 0
45               0.6191 0.6191 0
46               0.6861 0.6861 0
47               0.6000 0.6000 0
48               0.5188 0.5188 0
49               0.7500 0.7500 0
50               0.6849 0.6849 0
51               0.8000 0.8000 0
52               0.6714 0.6714 0
53               0.4912 0.4912 0
54               0.7459 0.7459 0
55               0.5556 0.5556 0
56               0.8000 0.8000 0
57               0.7627 0.7627 0
58               0.7443 0.7443 0
59               0.8000 0.8000 0
60               0.8000 0.8000 0
61               0.8000 0.8000 0
62               0.5879 0.5879 0
63               0.7046 0.7046 0
64               0.7498 0.7498 0
65               0.8000 0.8000 0
66               0.8000 0.8000 0
67               0.4070 0.4070 0
68               0.7500 0.7500 0
69               0.7500 0.4750 0
70               0.7500 0.7500 0
71               0.5800 0.5800 0
72               0.7829 0.7829 0
73               0.6247 0.6247 0
74               0.2564 0.2564 0
75               0.6694 0.6694 0
76               0.5333 0.5333 0
77               0.4743 0.4743 0
78               0.8000 0.8000 0
79               0.7500 0.7500 0
80               0.6380 0.6380 0
81               0.7331 0.7331 0
82               0.5375 0.5375 0
83               0.8000 0.8000 0
84               0.6875 0.6875 0
85               0.6869 0.6869 0
86               0.5933 0.5933 0
87               0.8000 0.8000 0
88               0.6678 0.6678 0
89               0.7933 0.6600 0
90               0.8000 0.8000 0
91               0.7500 0.7500 0
92               0.6736 0.6736 0
93               0.8000 0.8000 0
94               0.7500 0.7500 0
95               0.6270 0.6270 0
96               0.7944 0.7944 0
97               0.6512 0.6512 0
98               0.7519 0.7519 0
99               0.7465 0.7465 0
100               0.7955 0.7955 0
101               0.8000 0.8000 0
102               0.6896 0.6896 0
103               0.6882 0.6882 0
104               0.7000 0.7000 0
105               0.6496 0.6496 0
106               0.8000 0.8000 0
107               0.6167 0.6167 0
108               0.8000 0.8000 0
109               0.8000 0.8000 0
110               0.8000 0.8000 0
111               0.8000 0.8000 0
112               0.5855 0.5855 0
113               0.8000 0.8000 0
114               0.7111 0.7111 0
115               0.8000 0.8000 0
116               0.7500 0.7500 0
117               0.6150 0.6150 0
118               0.7698 0.7698 0
119               0.6173 0.6173 0
120               0.5556 0.5556 0
121               0.7500 0.7500 0
122               0.7300 0.7300 0
123               0.5307 0.5307 0
124               0.4944 0.4944 0
125               0.2554 0.2554 0
126               0.8000 0.8000 0
127               0.6769 0.6769 0
128               0.7447 0.7447 0
129               0.6000 0.6000 0
130               0.7083 0.7083 0
131               0.7951 0.7951 0
132               0.6231 0.6231 0
133               0.6571 0.6571 0
134               0.6575 0.6575 0
135               0.4071 0.3580 0
136               0.5394 0.5394 0
137               0.7209 0.7209 0
138               0.7999 0.7999 0
139               0.7018 0.7018 0
140               0.5918 0.5918 0
141               0.7273 0.7273 0
142               0.4645 0.4645 0
143               0.7000 0.7000 0
144               0.6321 0.4469 0
145               0.8000 0.8000 0
146               0.7692 0.7692 0
147               0.7834 0.7834 0
148               0.5169 0.5169 0
149               0.7677 0.7677 0
150               0.5790 0.5790 0
151               0.8000 0.8000 0
152               0.7420 0.7420 0
153               0.4875 0.4875 0
154               0.6960 0.6960 0
155               0.7451 0.7451 0
156               0.8000 0.8000 0
157               0.7500 0.7500 0
158               0.8000 0.8000 0
159               0.4167 0.4167 0
160               0.6256 0.6256 0
161               0.6844 0.6844 0

 

KEY Mortgage Insurance
Company Name
Mortgage Insurance
Percent
MI: Lender or
Borrower Paid?
Pool Insurance Co.
Name
Pool Insurance Stop
Loss %
MI Certificate
Number
Updated DTI
(Front-end)
Updated DTI
(Back-end)
Modification
Effective Payment
Date
Total Capitalized
Amount
Total Deferred
Amount
Pre-Modification
Interest (Note) Rate
1 0 0                    
2 0 0                    
3 0 0                    
4 0 0                    
5 0 0                    
6 0 0                    
7 0 0                    
8 0 0                    
9 0 0                    
10 0 0                    
11 0 0                    
12 0 0                    
13 0 0                    
14 0 0                    
15 0 0                    
16 0 0                    
17 0 0                    
18 0 0                    
19 0 0                    
20 0 0                    
21 0 0                    
22 0 0                    
23 0 0                    
24 0 0                    
25 0 0                    
26 0 0                    
27 0 0                    
28 0 0                    
29 0 0                    
30 0 0                    
31 0 0                    
32 0 0                    
33 0 0                    
34 0 0                    
35 0 0                    
36 0 0                    
37 0 0                    
38 0 0                    
39 0 0                    
40 0 0                    
41 0 0                    
42 0 0                    
43 0 0                    
44 0 0                    
45 0 0                    
46 0 0                    
47 0 0                    
48 0 0                    
49 0 0                    
50 0 0                    
51 0 0                    
52 0 0                    
53 0 0                    
54 0 0                    
55 0 0                    
56 0 0                    
57 0 0                    
58 0 0                    
59 0 0                    
60 0 0                    
61 0 0                    
62 0 0                    
63 0 0                    
64 0 0                    
65 0 0                    
66 0 0                    
67 0 0                    
68 0 0                    
69 0 0                    
70 0 0                    
71 0 0                    
72 0 0                    
73 0 0                    
74 0 0                    
75 0 0                    
76 0 0                    
77 0 0                    
78 0 0                    
79 0 0                    
80 0 0                    
81 0 0                    
82 0 0                    
83 0 0                    
84 0 0                    
85 0 0                    
86 0 0                    
87 0 0                    
88 0 0                    
89 0 0                    
90 0 0                    
91 0 0                    
92 0 0                    
93 0 0                    
94 0 0                    
95 0 0                    
96 0 0                    
97 0 0                    
98 0 0                    
99 0 0                    
100 0 0                    
101 0 0                    
102 0 0                    
103 0 0                    
104 0 0                    
105 0 0                    
106 0 0                    
107 0 0                    
108 0 0                    
109 0 0                    
110 0 0                    
111 0 0                    
112 0 0                    
113 0 0                    
114 0 0                    
115 0 0                    
116 0 0                    
117 0 0                    
118 0 0                    
119 0 0                    
120 0 0                    
121 0 0                    
122 0 0                    
123 0 0                    
124 0 0                    
125 0 0                    
126 0 0                    
127 0 0                    
128 0 0                    
129 0 0                    
130 0 0                    
131 0 0                    
132 0 0                    
133 0 0                    
134 0 0                    
135 0 0                    
136 0 0                    
137 0 0                    
138 0 0                    
139 0 0                    
140 0 0                    
141 0 0                    
142 0 0                    
143 0 0                    
144 0 0                    
145 0 0                    
146 0 0                    
147 0 0                    
148 0 0                    
149 0 0                    
150 0 0                    
151 0 0                    
152 0 0                    
153 0 0                    
154 0 0                    
155 0 0                    
156 0 0                    
157 0 0                    
158 0 0                    
159 0 0                    
160 0 0                    
161 0 0                    

 

KEY Pre-Modification P&I
Payment
Pre-Modification
Initial Interest Rate
Change Downward
Cap
Pre-Modification
Subsequent Interest
Rate Cap
Pre-Modification
Next Interest Rate
Change Date
Pre-Modification I/O
Term
Forgiven Principal
Amount
Forgiven Interest
Amount
1              
2              
3              
4              
5              
6              
7              
8              
9              
10              
11              
12              
13              
14              
15              
16              
17              
18              
19              
20              
21              
22              
23              
24              
25              
26              
27              
28              
29              
30              
31              
32              
33              
34              
35              
36              
37              
38              
39              
40              
41              
42              
43              
44              
45              
46              
47              
48              
49              
50              
51              
52              
53              
54              
55              
56              
57              
58              
59              
60              
61              
62              
63              
64              
65              
66              
67              
68              
69              
70              
71              
72              
73              
74              
75              
76              
77              
78              
79              
80              
81              
82              
83              
84              
85              
86              
87              
88              
89              
90              
91              
92              
93              
94              
95              
96              
97              
98              
99              
100              
101              
102              
103              
104              
105              
106              
107              
108              
109              
110              
111              
112              
113              
114              
115              
116              
117              
118              
119              
120              
121              
122              
123              
124              
125              
126              
127              
128              
129              
130              
131              
132              
133              
134              
135              
136              
137              
138              
139              
140              
141              
142              
143              
144              
145              
146              
147              
148              
149              
150              
151              
152              
153              
154              
155              
156              
157              
158              
159              
160              
161              

 

KEY Number of
Modifications
Cash To/From Brrw at Closing Brrw - Yrs at in Industry CoBrrw - Yrs at in Industry Junior Mortgage Drawn Amount Maturity Date Primary Borrower Wage Income (Salary) Primary Borrower Wage Income (Bonus)
1     0.00   300,000.00 20420201 2,259.80 0.00
2     10.00 0.00 0.00 20420201 20,433.87 0.00
3     28.00   0.00 20420201 17,774.62 0.00
4     11.00 15.00 0.00 20420201 9,033.19 3,077.16
5     10.00   0.00 20420201 25,669.00 0.00
6     1.00 18.00 0.00 20420301 0.00 0.00
7     13.10   0.00 20411201 40,368.00 0.00
8     7.70   0.00 20411201 20,000.00 0.00
9     18.00   0.00 20411101 31,438.00 0.00
10     3.30 3.70 0.00 20420101 15,000.00 0.00
11     27.00   61,596.00 20411201 15,082.00 0.00
12     6.90 6.80 0.00 20420101 34,488.00 0.00
13     11.00 7.50 0.00 20411201 13,333.00 0.00
14     6.00   0.00 20411201 22,083.00 5,968.00
15     9.00 5.00 0.00 20411201 8,756.00 0.00
16     14.00 21.00 0.00 20420101 12,072.92 0.00
17     17.00 18.00 0.00 20411201 14,737.19 0.00
18     17.00 0.00 35,000.00 20420101 13,749.99 0.00
19     20.00   0.00 20420101 20,950.00 0.00
20     20.00 0.00 0.00 20420101 10,583.34 8,333.33
21     20.00   0.00 20411201 31,041.67 0.00
22     28.00   0.00 20420201 80,047.96 0.00
23     9.00 10.00 0.00 20420201 15,130.96 0.00
24     15.00 18.00 0.00 20420201 3,201.25 0.00
25     5.00   0.00 20420201 18,750.00 0.00
26     20.00   0.00 20420201 13,344.49 0.00
27     14.00   0.00 20411201 19,048.00 0.00
28     20.00   0.00 20420201 48,879.00 0.00
29     9.00 0.00 0.00 20420201 16,666.66 32,125.00
30     18.00 0.00 0.00 20420101 26,830.00 0.00
31     3.00 0.00 0.00 20420101 23,177.00 0.00
32     8.00   0.00 20420101 18,454.15 0.00
33     29.80   22,239.00 20420101 25,908.34 0.00
34     3.00   0.00 20420101 37,429.05 0.00
35     13.00   0.00 20420301 25,000.02 0.00
36     15.00   0.00 20420201 19,750.00 0.00
37     8.00   0.00 20420101 20,826.17 0.00
38     5.92   0.00 20420301 22,278.17 0.00
39     2.00   0.00 20411001 14,923.00 0.00
40     20.00   0.00 20420101 157,825.08 0.00
41     17.00   0.00 20420201 18,692.30 0.00
42     26.00   0.00 20420301 20,416.33 0.00
43     20.00   0.00 20420101 8,204.75 0.00
44     10.00   0.00 20420101 20,264.70 10,127.00
45     14.00   0.00 20420101 27,468.90 0.00
46     0.00   0.00 20420101 7,234.00 0.00
47     37.00   0.00 20420101 42,833.00 0.00
48     0.00   0.00 20411201 11,253.00 0.00
49     9.00 13.00 0.00 20411201 9,666.66 0.00
50     32.00 29.00 0.00 20411201 9,281.40 0.00
51     10.00   0.00 20411201 8,813.87 1,126.08
52     23.00   0.00 20411201 49,301.00 0.00
53     16.00   0.00 20420101 33,678.00 0.00
54     25.00   0.00 20411201 47,208.33 0.00
55     27.00   0.00 20420101 83,944.00 0.00
56     10.00   0.00 20420101 15,335.00 0.00
57     0.00   0.00 20420101 10,247.00 0.00
58     20.00 20.00 0.00 20420101 8,663.30 0.00
59     10.00   0.00 20420101 19,754.89 0.00
60     16.00 3.00 0.00 20420101 17,217.00 0.00
61     18.00   0.00 20420101 19,166.67 0.00
62     17.00 17.00 0.00 20420101 4,851.00 0.00
63     8.00 10.00 0.00 20420201 14,961.00 0.00
64     12.00 0.00 0.00 20420201 5,364.67 3,368.96
65     13.00   0.00 20420201 11,499.31 0.00
66     9.00 0.00 0.00 20420201 41,350.00 0.00
67     0.00   0.00 20420201 10,729.67 0.00
68     10.00 15.00 0.00 20420201 0.00 0.00
69     26.00 0.00 495,000.00 20420201 20,683.81 0.00
70     20.00 0.00 0.00 20420201 35,332.44 0.00
71     19.00 0.00 0.00 20420201 33,650.00 0.00
72     20.00 0.00 0.00 20420201 12,691.31 0.00
73     20.00   0.00 20420301 8,161.33 0.00
74     32.00   0.00 20420301 16,740.00 0.00
75     9.00   0.00 20420301 26,038.93 0.00
76     17.00 0.00 0.00 20420301 123,062.77 0.00
77     10.00 0.00 0.00 20420301 16,666.66 0.00
78     32.00   0.00 20411201 21,333.00 0.00
79     3.00 23.00 0.00 20411001 38,912.00 0.00
80     10.00 10.00 0.00 20411001 23,493.00 0.00
81     18.00   0.00 20411001 29,083.00 0.00
82     25.00   0.00 20411101 20,356.00 10,061.00
83     37.00   0.00 20411001 13,025.00 0.00
84     38.00   0.00 20411101 18,401.00 0.00
85     11.00 11.00 0.00 20411201 23,192.00 0.00
86     22.00   0.00 20411001 19,167.00 0.00
87     11.00 10.00 0.00 20411001 17,657.00 0.00
88     12.00   0.00 20411001 12,859.00 82,917.00
89     15.00   200,000.00 20411001 36,863.00 0.00
90     14.00 20.00 0.00 20411101 14,600.00 0.00
91     13.00   0.00 20411101 49,334.00 0.00
92     25.00   0.00 20411001 104,862.00 0.00
93     31.00   0.00 20411001 36,791.00 0.00
94     20.00   0.00 20411101 43,548.00 0.00
95     10.00 6.00 0.00 20411101 6,000.00 0.00
96     13.00   0.00 20411101 6,125.00 0.00
97     11.00   0.00 20411101 18,333.00 9,959.00
98     18.00   0.00 20411001 0.00 0.00
99     12.00 7.00 0.00 20411001 35,000.00 0.00
100     16.00   0.00 20410901 11,667.00 0.00
101     3.00 3.00 0.00 20411201 29,055.00 0.00
102     5.00 10.00 0.00 20411101 57,141.00 0.00
103     11.00   0.00 20411201 12,917.00 0.00
104     18.00   0.00 20411101 26,085.00 0.00
105     30.00   0.00 20411101 17,614.00 0.00
106     8.00   0.00 20411101 15,417.00 1,668.00
107     19.00   0.00 20411101 12,408.00 0.00
108     20.00   0.00 20411201 10,500.00 19,807.00
109     31.00   0.00 20411201 17,333.00 0.00
110     34.00 33.00 0.00 20411201 18,297.00 0.00
111     11.00 19.00 0.00 20411101 16,665.00 0.00
112     15.00   0.00 20411201 14,925.00 0.00
113     12.00   0.00 20420101 26,000.00 0.00
114     30.00   0.00 20411201 18,750.00 1,666.67
115     16.00   0.00 20420101 21,326.52 0.00
116     14.00   0.00 20411101 25,604.00 44,204.00
117     41.00 29.00 0.00 20420101 0.00 0.00
118     36.00 11.00 0.00 20420101 0.00 0.00
119     2.00   0.00 20411201 0.00 0.00
120     21.00   0.00 20420101 3,412.00 0.00
121     20.00   0.00 20420101 0.00 0.00
122     13.00   0.00 20420101 14,397.17 5,364.35
123     22.00 31.00 0.00 20420101 12,135.04 0.00
124     11.60 11.60 0.00 20420101 11,574.00 0.00
125     20.00   0.00 20420101 17,014.00 0.00
126     25.00   0.00 20420201 35,166.00 0.00
127     24.00   0.00 20420101 14,916.67 6,712.50
128     13.00   0.00 20411101 22,112.28 0.00
129     30.00 0.00 0.00 20420201 73,646.21 0.00
130     8.00 8.00 0.00 20420201 12,659.56 0.00
131     20.00 3.00 0.00 20420101 14,831.00 0.00
132     8.00 0.00 0.00 20420201 18,750.00 0.00
133     20.00 1.00 0.00 20420201 16,293.41 0.00
134     6.00   0.00 20420101 10,877.75 17,554.65
135     25.00 25.00 0.00 20420201 17,698.00 0.00
136     30.00 30.00 0.00 20420201 5,583.67 0.00
137     24.00 24.00 0.00 20420201 10,208.69 0.00
138     31.00 0.00 0.00 20420101 33,800.00 0.00
139     9.00 11.00 0.00 20420101 6,642.50 0.00
140     21.00 0.00 0.00 20420201 44,173.14 0.00
141     0.00 28.00 0.00 20420201 5,045.46 0.00
142     0.00 0.00 0.00 20420201 6,802.24 0.00
143     30.00   0.00 20420201 16,878.73 0.00
144     10.00 16.00 250,943.00 20420201 0.00 0.00
145     0.00 0.00 0.00 20420201 0.00 0.00
146     10.00   0.00 20411101 14,396.00 0.00
147     15.00 0.00 0.00 20411101 24,583.33 0.00
148     12.00 2.00 0.00 20411201 34,483.25 0.00
149     0.00 0.00 0.00 20411201 0.00 0.00
150     8.00 0.00 0.00 20420101 17,916.67 0.00
151     15.00 15.00 0.00 20420101 15,773.34 0.00
152     17.00   0.00 20420201 21,923.08 0.00
153     15.00 0.00 0.00 20420301 10,157.83 5,412.85
154     7.00 16.00 0.00 20420201 1,970.00 0.00
155     15.00   0.00 20420201 0.00 0.00
156     8.00   0.00 20420101 12,500.02 0.00
157     10.00 10.00 0.00 20420201 17,136.95 0.00
158     11.00 0.00 0.00 20420201 41,666.67 0.00
159     7.00 0.00 0.00 20420301 48,413.49 0.00
160     25.00 10.00 0.00 20420201 33,797.29 0.00
161     15.00 17.00 0.00 20411201 10,000.00 0.00

 

KEY Primary Borrower Wage Income (Commission) Co-Borrower Wage Income (Salary) Co-Borrower Wage Income (Bonus) Co-Borrower Wage Income (Commission) Originator Doc Code RWT Income Verification RWT Asset Verification
1 0.00 957.00 0.00 0.00 Full 2 years 2 Months
2 0.00 0.00 0.00 0.00 Full 2 years 2 Months
3 0.00       Full 2 years 1 Month
4 0.00 4,051.66 0.00 0.00 Full 2 years 2 Months
5 0.00 8,025.00 0.00 0.00 Full 2 years 2 Months
6 0.00 14,043.67 3,293.67 0.00 Full 2 years 2 Months
7 0.00       Full 2 years 2 Months
8 0.00 0.00 0.00 0.00 Full 2 years 2 Months
9 0.00 0.00 0.00 0.00 Full 2 years 2 Months
10 0.00 6,500.00 0.00 0.00 Full 2 years 2 Months
11 0.00 0.00 0.00 0.00 Full 2 years 2 Months
12 0.00 -471.00 0.00 0.00 Full 2 years 2 Months
13 0.00 3,968.00 0.00 0.00 Full 2 years 1 Month
14 0.00 0.00 0.00 0.00 Full 2 years 2 Months
15 0.00 9,358.33 1,475.38 0.00 Full 2 years 2 Months
16 0.00 8,333.33 0.00 0.00 Full 2 years 2 Months
17 0.00 12,916.67 0.00 0.00 Full 2 years 2 Months
18 0.00 0.00 0.00 0.00 Full 2 years 2 Months
19 0.00       Full 2 years 2 Months
20 0.00 0.00 0.00 0.00 Full 2 years 2 Months
21 0.00 0.00 0.00 0.00 Full 2 years 2 Months
22 0.00 0.00 0.00 0.00 Full 2 years 2 Months
23 0.00 -3,908.75 0.00 0.00 Full 2 years 2 Months
24 5,488.54 0.00 0.00 0.00 Full 2 years 1 Month
25 0.00       Full 2 years 2 Months
26 0.00       Full 2 years 2 Months
27 0.00       Full 2 years 2 Months
28 0.00       Full 2 years 2 Months
29 0.00 0.00 0.00 0.00 Full 2 years 2 Months
30 0.00 0.00 0.00 0.00 Full 2 years 1 Month
31 0.00 0.00 0.00 0.00 Full 2 years 1 Month
32 0.00       Full 2 years 2 Months
33 0.00 0.00 0.00 0.00 Full 2 years 2 Months
34 0.00 0.00 0.00 0.00 Full 2 years 2 Months
35 0.00 0.00 0.00 0.00 Full 2 years 2 Months
36 0.00 0.00 0.00 0.00 Full 2 years 2 Months
37 0.00       Full 2 years 1 Month
38 0.00       Full 2 years 2 Months
39 0.00 0.00 0.00 0.00 Full 2 years 2 Months
40 0.00 0.00 0.00 0.00 Full 2 years 2 Months
41 0.00       Full 2 years 2 Months
42 0.00       Full 2 years 2 Months
43 0.00 0.00 0.00 0.00 Full 2 years 2 Months
44 0.00       Full 2 years 2 Months
45 0.00       Full 2 years 2 Months
46 0.00 5,342.00 0.00 0.00 Full 2 years 2 Months
47 0.00 0.00 0.00 0.00 Full 2 years 2 Months
48 0.00       Full 2 years 2 Months
49 0.00 23,124.00 0.00 0.00 Full 2 years 2 Months
50 0.00 10,616.93 0.00 0.00 Full 2 years 2 Months
51 0.00 0.00 0.00 0.00 Full 2 years 2 Months
52 0.00 0.00 0.00 0.00 Full 2 years 2 Months
53 0.00 0.00 0.00 0.00 Full 2 years 2 Months
54 0.00       Full 2 years 2 Months
55 0.00       Full 2 years 2 Months
56 0.00 0.00 0.00 0.00 Full 2 years 2 Months
57 0.00 0.00 0.00 0.00 Full 2 years 2 Months
58 0.00 10,207.60 0.00 0.00 Full 2 years 2 Months
59 0.00       Full 2 years 2 Months
60 0.00 2,500.00 0.00 0.00 Full 2 years 2 Months
61 0.00 0.00 0.00 0.00 Full 2 years 2 Months
62 0.00 5,401.38 0.00 0.00 Full 2 years 2 Months
63 0.00 15,582.00 0.00 0.00 Full 2 years 2 Months
64 24,059.94 0.00 0.00 0.00 Full 2 years 2 Months
65 0.00       Full 2 years 2 Months
66 0.00 0.00 0.00 0.00 Full 2 years 2 Months
67 0.00       Full 2 years 2 Months
68 0.00 1,230.83 0.00 0.00 Full 2 years 2 Months
69 0.00 0.00 0.00 0.00 Full 2 years 2 Months
70 0.00 0.00 0.00 0.00 Full 2 years 2 Months
71 0.00 0.00 0.00 0.00 Full 2 years 2 Months
72 0.00 0.00 0.00 0.00 Full 2 years 2 Months
73 0.00       Full 2 years 2 Months
74 0.00       Full 2 years 2 Months
75 0.00       Full 2 years 2 Months
76 0.00 0.00 0.00 0.00 Full 2 years 2 Months
77 0.00 0.00 0.00 0.00 Full 2 years 2 Months
78 0.00 0.00 0.00 0.00 Full 2 years 2 Months
79 0.00 4,333.00 0.00 0.00 Full 2 years 2 Months
80 0.00 16,675.00 0.00 0.00 Full 2 years 2 Months
81 0.00       Full 2 years 2 Months
82 0.00 0.00 0.00 0.00 Full 2 years 2 Months
83 0.00 0.00 0.00 0.00 Full 2 years 1 Month
84 0.00 0.00 0.00 0.00 Full 2 years 2 Months
85 0.00 31,550.00 0.00 0.00 Full 2 years 2 Months
86 0.00 0.00 0.00 0.00 Full 2 years 2 Months
87 0.00 11,407.00 0.00 0.00 Full 2 years 2 Months
88 0.00 0.00 0.00 0.00 Full 2 years 2 Months
89 0.00       Full 2 years 2 Months
90 0.00 12,833.00 0.00 0.00 Full 2 years 2 Months
91 0.00       Full 2 years 2 Months
92 0.00       Full 2 years 2 Months
93 0.00       Full 2 years 2 Months
94 0.00       Full 2 years 2 Months
95 0.00 12,750.00 0.00 0.00 Full 2 years 2 Months
96 0.00       Full 2 years 2 Months
97 5,632.00 0.00 0.00 0.00 Full 2 years 2 Months
98 0.00       Full 2 years 2 Months
99 0.00 10,000.00 0.00 0.00 Full 2 years 2 Months
100 0.00 0.00 0.00 0.00 Full 2 years 2 Months
101 0.00 7,500.00 0.00 0.00 Full 2 years 2 Months
102 0.00 5,661.00 0.00 0.00 Full 2 years 2 Months
103 0.00       Full 2 years 2 Months
104 0.00       Full 2 years 2 Months
105 0.00       Full 2 years 2 Months
106 0.00       Full 2 years 2 Months
107 0.00 0.00 0.00 0.00 Full 2 years 2 Months
108 0.00       Full 2 years 2 Months
109 0.00       Full 2 years 2 Months
110 0.00 6,240.00 0.00 0.00 Full 2 years 2 Months
111 0.00 10,000.00 0.00 0.00 Full 2 years 2 Months
112 0.00       Full 2 years 2 Months
113 0.00       Full 2 years 2 Months
114 0.00       Full 2 years 2 Months
115 0.00 0.00 0.00 0.00 Full 2 years 2 Months
116 0.00       Full 2 years 2 Months
117 0.00 16,022.50 0.00 0.00 Full 2 years 2 Months
118 0.00 0.00 0.00 0.00 Full 2 years 2 Months
119 0.00 0.00 0.00 0.00 Full 2 years 2 Months
120 0.00       Full 2 years 2 Months
121 0.00       Full 2 years 2 Months
122 0.00 0.00 0.00 0.00 Full 2 years 2 Months
123 0.00 4,164.36 0.00 0.00 Full 2 years 2 Months
124 0.00 2,484.00 0.00 0.00 Full 2 years 2 Months
125 0.00       Full 2 years 2 Months
126 0.00       Full 2 years 2 Months
127 0.00       Full 2 years 2 Months
128 0.00       Full 2 years 2 Months
129 0.00 0.00 0.00 0.00 Full 2 years 2 Months
130 0.00 12,723.68 0.00 0.00 Full 2 years 2 Months
131 0.00 648.00 0.00 0.00 Full 2 years 2 Months
132 0.00 0.00 0.00 0.00 Full 2 years 2 Months
133 0.00 5,416.66 0.00 0.00 Full 2 years 2 Months
134 0.00       Full 2 years 2 Months
135 0.00 10,189.00 0.00 0.00 Full 2 years 2 Months
136 0.00 5,583.67 0.00 0.00 Full 2 years 2 Months
137 0.00 9,130.43 0.00 0.00 Full 2 years 2 Months
138 0.00 0.00 0.00 0.00 Full 2 years 2 Months
139 0.00 0.00 0.00 0.00 Full 2 years 2 Months
140 0.00 0.00 0.00 0.00 Full 2 years 2 Months
141 0.00 22,416.00 0.00 0.00 Full 2 years 2 Months
142 0.00 0.00 0.00 0.00 Full 2 years 2 Months
143 0.00 2,740.96 0.00 0.00 Full 2 years 2 Months
144 0.00 0.00 0.00 0.00 Full 2 years 2 Months
145 0.00 0.00 0.00 0.00 Full 2 years 2 Months
146 0.00       Full 2 years 2 Months
147 0.00 0.00 0.00 0.00 Full 2 years 2 Months
148 0.00 -57.33 0.00 0.00 Full 2 years 2 Months
149 0.00 0.00 0.00 0.00 Full 2 years 2 Months
150 0.00 0.00 0.00 0.00 Full 2 years 2 Months
151 0.00 16,778.08 0.00 0.00 Full 2 years 2 Months
152 0.00       Full 2 years 2 Months
153 0.00 0.00 0.00 0.00 Full 2 years 2 Months
154 0.00 16,723.17 0.00 0.00 Full 2 years 2 Months
155 0.00       Full 2 years 2 Months
156 0.00       Full 2 years 2 Months
157 0.00 7,399.58 0.00 0.00 Full 2 years 2 Months
158 0.00 0.00 0.00 0.00 Full 2 years 2 Months
159 0.00 0.00 0.00 0.00 Full 2 years 2 Months
160 0.00 1,015.72 0.00 0.00 Full 2 years 2 Months
161 0.00 15,134.00     Full 2 years 2 Months

 

 
 

ASF RMBS DISCLOSURE PACKAGE


Field
Number
Field Name
Field Description
Type of
Field
Data Type
Sample Data
Format
When
Applicable?
Valid Values
Proposed
Unique
Coding
Notes
1
Primary Servicer
The MERS Organization ID of the company that has or will have the right to service the loan.
General Information
Numeric – Integer
2351805
9(7)
Always
”9999999” if Unknown
   
2
Servicing Fee—Percentage
Aggregate monthly fee paid to all servicers, stated in decimal form.
General Information
Numeric - Decimal
0.0025
9.999999
Loans without flat-dollar servicing fees
>= 0 and < 1
 
Must be populated if Field 3 is Null
3
Servicing Fee—Flat-dollar
Aggregate monthly fee paid to all servicers, stated as a dollar amount.
General Information
Numeric – Decimal
7.5
9(3).99
Loans with flat-dollar servicing fees
>= 0 and
<= 999
 
Must be populated if 2 is Null
4
Servicing Advance Methodology
The manner in which principal and/or interest are to be advanced by the servicer.
General Information
Numeric – Integer
2
99
Always
See Coding
1 = Scheduled Interest, Scheduled Principal
2 = Actual Interest, Actual Principal
3 = Scheduled Interest, Actual Principal
99 = Unknown
 
5
Originator
The MERS Organization ID of the entity that lends funds to the borrower and, in return, places a lien on the mortgage property as collateral.
General Information
Numeric – Integer
5938671
9(7)
Always
”9999999” if Unknown
   
6
Loan Group
Indicates the collateral group number in which the loan falls (for structures with multiple collateral groups). Use “1” if there is only one loan group.
General Information
Text
1A
XXXX
Always
“UNK” if Unknown
   
7
Loan Number
Unique National Mortgage Loan ID Number (Vendor TBD).
General Information
Numeric – Integer
TBD
TBD
Always
TBD
 
Details to be provided by Vendor
8
Amortization Type
Indicates whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).
Loan Type
Numeric – Integer
2
99
Always
See Coding
1 = Fixed
2 = Adjustable
99 = Unknown
 
9
Lien Position
A number indicating the loan’s lien position (1 = first lien, etc.).
Loan Type
Numeric – Integer
1
99
Always
>0
99 = Unknown
 
10
HELOC Indicator
Indicates whether the loan is a home equity line of credit.
Loan Type
Numeric – Integer
1
99
Always
See Coding
0 = No
1 = Yes
99 = Unknown
 
11
Loan Purpose
Indicates the purpose of the loan.
Loan Type
Numeric – Integer
9
99
Always
See Coding
See Appendix A
 
12
Cash Out Amount
For “Cash-out” loans (see Glossary):
 
[NEW LOAN AMOUNT] – [PAID-OFF FIRST MORTGAGE LOAN AMOUNT] – [PAID-OFF SECOND MORTGAGE LOAN AMOUNT (if Second was used to purchase the property)] – [CLOSING COSTS].
Loan Type
Numeric – Decimal
72476.5
9(10).99
Always
>= 0
   
13
Total Origination and Discount Points (in dollars)
Amount paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest rate paid by the borrower.
Loan Type
Numeric – Decimal
5250
9(10).99
Always
>= 0
 
Typically Lines 801 and 802 of HUD Settlement Statement
14
Covered/High Cost Loan Indicator
Indicates whether the loan is categorized as “high cost” or “covered” according to state or federal statutes or regulations.
Loan Type
Numeric – Integer
1
99
Always
See Coding
0 = No
1 = Yes
99 = Unknown
 
15
Relocation Loan Indicator
Indicates whether the loan is part of a corporate relocation program.
Loan Type
Numeric – Integer
1
99
Always
See Coding
0 = No
1 = Yes
99 = Unknown
 
16
Broker Indicator
Indicates whether a broker took the application.
Loan Type
Numeric – Integer
1
99
Always
See Coding
0 = No
1 = Yes
99 = Unknown
 
17
Channel
Code indicating the source (channel) from which the Issuer obtained the mortgage loan.
Loan Type
Numeric – Integer
2
99
Always
See Coding
1 = Retail
2 = Broker
3 = Correspondent Bulk
4 = Correspondent Flow with delegated underwriting
5 = Correspondent Flow without delegated underwriting
99 = Unknown
 
18
Escrow Indicator
Indicates whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization cut-off date).
Loan Type
Numeric – Integer
3
99
Always
See Coding
0 = No Escrows
1 = Taxes
2 = Insurance
3 = HOA dues
4 = Taxes and Insurance
5 = All
99 =Unknown
 
19
Senior Loan Amount(s)
For non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate lien.
Mortgage Lien Info
Numeric – Decimal
611004.25
9(10).99
If Lien Position > 1
>= 0
   
20
Loan Type of Most Senior Lien
For non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.
Mortgage Lien Info
Numeric – Integer
2
99
If Lien Position > 1
See Coding
1 = Fixed Rate
2 = ARM
3 = Hybrid
4 = Neg Am
99 = Unknown
 
21
Hybrid Period of Most Senior Lien (in months)
For non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed interest rate period for the hybrid first mortgage.
Mortgage Lien Info
Numeric – Integer
23
999
If Lien Position > 1
AND the most senior lien is a hybrid ARM (see Field 20)
>= 0
   
22
Neg Am Limit of Most Senior Lien
For non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).
Mortgage Lien Info
Numeric – Decimal
1.25
9.999999
If Lien Position > 1
AND the senior lien is Neg Am (see Field 20)
>= 1 and <= 2
   
23
Junior Mortgage Balance
For first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).
Mortgage Lien Info
Numeric – Decimal
51775.12
9(10).99
If Lien Position = 1 and there is a 2nd lien on the subject property
>= 0
 
Subject to Regulatory Confirmation
24
Origination Date of Most Senior Lien
For non-first mortgages, the origination date of the associated first mortgage.
Mortgage Lien Info
Date
20090914
YYYYMMDD
If Lien Position > 1 and there is a 2nd lien on the subject property
“19010101” if unknown
   
25
Origination Date
The date of the Mortgage Note and Mortgage/Deed of Trust
Loan Term and Amortization Type
Date
20090914
YYYYMMDD
Always
“19010101” if unknown
   
26
Original Loan Amount
The dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs, the maximum available line of credit.
Loan Term and Amortization Type
Numeric – Decimal
150000
9(10).99
Always
>0
   
27
Original Interest Rate
The original note rate as indicated on the mortgage note.
Loan Term and Amortization Type
Numeric – Decimal
0.0475
9.999999
Always
> 0 and <= 1
   
28
Original Amortization Term
The number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each month.
Loan Term and Amortization Type
Numeric – Integer
360
999
Always
>= 60
   
29
Original Term to Maturity
The initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.
Loan Term and Amortization Type
Numeric – Integer
60
999
Always
>0
N/A
 
30
First Payment Date of Loan
The date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.
Loan Term and Amortization Type
Date
20090914
YYYYMMDD
Always
“19010101” if unknown
N/A
 
31
Interest Type Indicator
Indicates whether the interest rate calculation method is simple or actuarial.
Loan Term and Amortization Type
Numeric – Integer
2
99
Always
See Coding
1= Simple
2 = Actuarial
99 = Unknown
 
32
Original Interest Only Term
Original interest-only term for a loan in months (including NegAm Loans).
Loan Term and Amortization Type
Numeric – Integer
60
999
Always
>= 0 and <= 240
Unknown = Blank;
No Interest Only Term = 0
   
33
Buy Down Period
The total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.
Loan Term and Amortization Type
Numeric – Integer
65
999
Always
>= 0 and <= 100
Unknown = Blank;
No Buy Down = 0
   
34
HELOC Draw Period
The original number of months during which the borrower may draw funds against the HELOC account.
Loan Term and Amortization Type
Numeric – Integer
24
999
HELOCs Only
>= 12 and <= 120
   
35
Scheduled Loan Amount
Mortgage loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.
Loan Term and Amortization Type
Numeric – Decimal
248951.19
9(10).99
Always
>= 0
   
36
Current Interest Rate
The interest rate used to calculate the current P&I or I/O payment.
Loan Term and Amortization Type
Numeric – Decimal
0.05875
9.999999
Always
> 0 and <= 1
   
37
Current Payment Amount Due
Next Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).
Loan Term and Amortization Type
Numeric – Decimal
1250.15
9(10).99
Always
> 0
   
38
Scheduled Interest Paid
Through Date
 
Loan Term and Amortization Type
Date
20090429
YYYYMMDD
Always
“19010101” if unknown
   
39
Current Payment Status
Number of payments the borrower is past due as of the securitization cut-off date.
Loan Term and Amortization Type
Numeric – Integer
3
99
Always
>= 0
   
40
Index Type
Specifies the type of index to be used to determine the interest rate at each adjustment.
Adjustable Rate Mortgages (ARMs)
Numeric – Integer
18
99
ARMs Only
See Coding
See Appendix B
 
41
ARM Look-back Days
The number of days prior to the interest rate adjustment date to retrieve the index value.
Adjustable Rate Mortgages (ARMs)
Numeric – Integer
45
99
ARMs Only
>= 0 to <=99
   
42
Gross Margin
The percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the mortgage note.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.03
9.999999
ARMs Only
>0 and <= 1
   
43
ARM Round Flag
An indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor, or to the nearest round factor.
Adjustable Rate Mortgages (ARMs)
Numeric – Integer
3
9
ARMs Only
See Coding
0 = No Rounding
1 = Up
2 = Down
3 = Nearest
99=Unknown
 
44
ARM Round Factor
The percentage to which an adjusted interest rate is to be rounded.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.0025 or 0.00125
9.999999
ARMs Only
Where ARM Round Flag = 1, 2, or 3
>= 0 and < 1
   
45
Initial Fixed Rate Period
For hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.
Adjustable Rate Mortgages (ARMs)
Numeric – Integer
60
999
Hybrid ARMs Only
>= 1 to <=240
   
46
Initial Interest Rate Cap (Change Up)
The maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.02
9.999999
ARMs Only
>= 0 and <= 1
99=no cap
 
47
Initial Interest Rate  Cap (Change Down)
The maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.02
9.999999
ARMs Only
>= 0 and <= 1
99=no cap
 
48
Subsequent Interest Rate Reset Period
The number of months between subsequent rate adjustments.
Adjustable Rate Mortgages (ARMs)
Numeric – Integer
60
999
ARMs Only
>=0 and <= 120
 
0 = Loan does not adjust after initial reset
49
Subsequent Interest Rate (Change Down)
The maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.02
9.999999
ARMs Only
>= 0 and <= 1
99=no cap
 
50
Subsequent Interest Rate Cap (Change Up)
The maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.02
9.999999
ARMs Only
>= 0 and <= 1
99=no cap
 
51
Lifetime Maximum Rate (Ceiling)
The maximum interest rate that can be in effect during the life of the loan.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.125
9.999999
ARMs Only
>= 0 and <= 1
 
=1 if no ceiling specified
 
 
52
Lifetime Minimum Rate (Floor)
The minimum interest rate that can be in effect during the life of the loan.
Adjustable Rate Mortgages (ARMs)
Numeric – Decimal
0.015
9.999999
ARMs Only
>= 0 and <= 1
 
If no floor is specified enter the greater of the margin or 0.
53
Negative Amortization Limit
The maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid principal balance.)
Negative Amortization
Numeric – Decimal
1.25
9.999999
Negatively Amortizing ARMs Only
>=0, and <2
   
54
Initial Negative Amortization Recast Period
The number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.
Negative Amortization
Numeric – Integer
60
999
Negatively Amortizing ARMs Only
>=0
   
55
Subsequent Negative Amortization Recast Period
The number of months after which the payment is required to recast AFTER the first recast period.
Negative Amortization
Numeric – Integer
48
999
Negatively Amortizing ARMs Only
>=0
   
56
Initial Fixed Payment Period
Number of months after origination during which the payment is fixed.
Negative Amortization
Numeric – Integer
60
999
Negatively Amortizing Hybrid ARMs Only
>= 0 to <=120
   
57
Subsequent Payment Reset Period
Number of months between payment adjustments after first payment reset.
Negative Amortization
Numeric – Integer
12
999
Negatively Amortizing ARMs Only
>= 0 to <=120
   
58
Initial Periodic Payment Cap
The maximum percentage by which a payment can change (increase or decrease) in the first period.
Negative Amortization
Numeric – Decimal
0.075
9.999999
Negatively Amortizing ARMs Only
>= 0 and < 1
   
59
Subsequent Periodic Payment Cap
The maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap.
Negative Amortization
Numeric – Decimal
0.075
9.999999
Negatively Amortizing ARMs Only
>= 0 and < 1
   
60
Initial Minimum Payment Reset Period
The maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.
Negative Amortization
Numeric – Integer
12
999
Negatively Amortizing ARMs Only
>= 0 to <=120
   
61
Subsequent Minimum Payment Reset Period
The maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is determined after the initial period.
Negative Amortization
Numeric – Integer
12
999
Negatively Amortizing ARMs Only
>= 0 to <=120
   
62
Option ARM Indicator
An indicator of whether the loan is an Option ARM.
Negative Amortization
Numeric – Integer
1
99
ARMs Only
See Coding
0 = No
1 = Yes
99 = Unknown
 
63
Options at Recast
The means of computing the lowest monthly payment available to the borrower after recast.
Option ARM
Numeric – Integer
2
99
Option ARMs Only
N/A
1= Fully amortizing 30 year
2= Fully amortizing 15 year
3=Fully amortizing 40 year
4 = Interest-Only
5 = Minimum Payment
99= Unknown
 
64
Initial Minimum Payment
The initial minimum payment the borrower is permitted to make.
Option ARM
Numeric – Decimal
879.52
99
Option ARMs Only
>=0
   
65
Current Minimum Payment
Current Minimum Payment (in dollars).
Negative Amortization
Numeric – Decimal
250
9(10).99
Option ARMs Only
>= 0
   
66
Prepayment Penalty Calculation
A description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.
Prepayment Penalties
Numeric – Integer
12
99
Always
See Coding
See Appendix C
 
67
Prepayment Penalty Type
Hard: The prepayment penalty is incurred regardless of the reason the loan is prepaid in full.
Hybrid: The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.
 
Prepayment Penalties
Numeric – Integer
1
99
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)
See Coding
1 = Hard
2 = Soft
3 = Hybrid
99 = Unknown
 
68
Prepayment Penalty Total Term
The total number of months that the prepayment penalty may be in effect.
Prepayment Penalties
Numeric – Integer
60
999
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)
>0 to <=120
   
69
Prepayment Penalty Hard Term
For hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.
Prepayment Penalties
Numeric – Integer
12
999
Loans with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)
>= 0 to <=120
   
70
Primary Borrower ID
A lender-generated ID number for the primary borrower on the mortgage
Borrower
Numeric—Integer
123456789
999999999
Always
>0
 
Used to identify the number of times a single borrower appears in a given deal.
71
Number of Mortgaged Properties
The number of residential properties owned by the borrower that currently secure mortgage loans.
Borrower
Numeric – Integer
1
99
Always
> 0
   
72
Total Number of Borrowers
The number of Borrowers who are obligated to repay the mortgage note.
Borrower
Numeric – Integers
2
99
Always
> 0
   
73
Self-employment Flag
An indicator of whether the primary borrower is self-employed.
Borrower
Numeric – Integer
1
99
Always
See Coding
0 = No
1 = Yes
99 = Unknown
 
74
Current ‘Other’ Monthly Payment
The aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo fees, T&I, HOA, etc.), whether escrowed or not.
Loan Term and Amortization Type
Numeric – Decimal
1789.25
9(10).99
Always
> 0
   
75
Length of Employment: Borrower
The number of years of service with the borrower’s current employer as of the date of the loan.
Borrower Qualification
Numeric – Decimal
3.5
99.99
Always
>=0
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)
 
76
Length of Employment: Co-Borrower
The number of years of service with the co-borrower’s current employer as of the date of the loan.
Borrower Qualification
Numeric – Decimal
3.5
99.99
If “Total Number of Borrowers” > 1
>= 0
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)
 
77
Years in Home
Length of time that the borrower has been at current address.
Borrower Qualification
Numeric – Decimal
14.5
99.99
Refinances of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)
> 0
   
78
FICO Model Used
Indicates whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.
Borrower Qualification
Numeric – Integer
1
99
If a FICO score was obtained
See Coding
1 = Classic
2 = Classic 08
3 = Next Generation
99 = Unknown
 
79
Most Recent FICO Date
Specifies the date on which the most recent FICO score was obtained
Borrower Qualification
Date
20090914
YYYYMMDD
If a FICO score was obtained
“19010101” if unknown
 
Issuers unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date of issuance.
80
Primary Wage Earner Original FICO:  Equifax
Equifax FICO score for primary borrower (if applicable).
Borrower Qualification
Numeric – Integer
720
9999
If a FICO score was obtained
>= 350 and <= 850
   
81
Primary Wage Earner Original FICO:  Experian
Experian FICO score for primary borrower (if applicable).
Borrower Qualification
Numeric – Integer
720
9999
If a FICO score was obtained
>= 350 and <= 850
   
82
Primary Wage Earner Original FICO:  TransUnion
TransUnion FICO score for primary borrower (if applicable).
Borrower Qualification
Numeric – Integer
720
9999
If a FICO score was obtained
>= 350 and <= 850
   
83
Secondary Wage Earner Original FICO:  Equifax
Equifax FICO score for Co-borrower (if applicable).
Borrower Qualification
Numeric – Integer
720
9999
If “Total Number of Borrowers” > 1
>= 350 and <= 850
   
84
Secondary Wage Earner Original FICO:  Experian
Experian FICO score for Co-borrower (if applicable).
Borrower Qualification
Numeric – Integer
720
9999
If “Total Number of Borrowers” > 1
>= 350 and <= 850
   
85
Secondary Wage Earner Original FICO: TransUnion
TransUnion FICO score for Co-borrower (if applicable).
Borrower Qualification
Numeric – Integer
720
9999
If “Total Number of Borrowers” > 1
>= 350 and <= 850
   
86
Most Recent Primary Borrower FICO
Most Recent Primary Borrower FICO score used by the lender to approve the loan.
Borrower Qualification
Numeric – Integer
720
9999
If a FICO score was obtained
>= 350 and <= 850
   
87
Most Recent Co-Borrower FICO
Most Recent Co-Borrower FICO score used by the lender to approve the loan.
Borrower Qualification
Numeric – Integer
720
9999
If “Total Number of Borrowers” > 1
>= 350 and <= 850
   
88
Most Recent FICO Method
Number of credit repositories used to update the FICO Score.
Borrower Qualification
Numeric – Integer
2
9
If a FICO score was obtained
>0
   
89
VantageScore: Primary Borrower
Credit Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.
Borrower Qualification
Numeric – Integer
720
9999
If a Vantage Credit Score was obtained
>= 501 and <= 990
   
90
VantageScore: Co-Borrower
Credit Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.
Borrower Qualification
Numeric – Integer
720
9999
If a VantageScore was obtained AND “Total Number of Borrowers” > 1
>= 501 and <= 990
   
91
Most Recent VantageScore Method
Number of credit repositories used to update the Vantage Score.
Borrower Qualification
Numeric – Integer
2
9
If a Vantage Credit Score was obtained
>0
   
92
VantageScore Date
Date Vantage Credit Score was obtained.
Borrower Qualification
Date
20090914
YYYYMMDD
If a Vantage Credit Score was obtained
“19010101” if unknown
   
93
Credit Report: Longest Trade Line
The length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with more than one borrower, populate field based on status for the primary borrower.
Borrower Qualification
Numeric – Integer
999
999
Always
> =0
 
Subject to Regulatory Confirmation
94
Credit Report: Maximum Trade Line
The dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit, e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.
Borrower Qualification
Numeric – Decimal
339420.19
9(10).99
Always
>=0
 
Subject to Regulatory Confirmation
95
Credit Report: Number of Trade Lines
A count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For a loan with more than one borrower, populate field based on status for the primary borrower.
Borrower Qualification
Numeric – Integer
57
999
Always
>=0
 
Subject to Regulatory Confirmation
96
Credit Line Usage Ratio
Sum of credit balances divided by sum of total open credit available.
Borrower Qualification
Numeric – Decimal
0.27
9.999999
Always
>= 0 and <= 1
 
Subject to Regulatory Confirmation
97
Most Recent 12-month Pay History
String indicating the payment status per month listed from oldest to most recent.
Borrower Qualification
Text
77X123200001
X(12)
Always
See Coding
0 = Current
1 = 30-59 days delinquent
2 = 60-89 days delinquent
3 = 90-119 days delinquent
4 = 120+ days delinquent
5 = Foreclosure
6 = REO
7 = Loan did not exist in period
X = Unavailable
 
98
Months Bankruptcy
Number of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)
Borrower Qualification
Numeric – Integer
12
999
If Borrower has ever been in Bankruptcy
>= 0
 
Blank = Borrower is not known to have been in bankruptcy
99
Months Foreclosure
Number of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program— have passed since most recent foreclosure.)
Borrower Qualification
Numeric – Integer
12
999
If Borrower has ever been in Foreclosure
>= 0
 
Blank = Borrower is not known to have been in foreclosure
100
Primary Borrower Wage Income
Monthly base wage income for primary borrower.
Borrower Qualification
Numeric – Decimal
9000
9(9).99
Always
>= 0
   
101
Co-Borrower Wage Income
Monthly base wage income for all other borrowers.
Borrower Qualification
Numeric – Decimal
9000
9(9).99
If “Total Number of Borrowers” > 1
>= 0
   
102
Primary Borrower Other Income
Monthly Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental loss.)
Borrower Qualification
Numeric – Decimal
9000
9(9).99
Always
>= 0
   
103
Co-Borrower Other Income
Monthly Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental loss.)
Borrower Qualification
Numeric – Decimal
9000
9(9).99
If “Total Number of Borrowers” > 1
>= 0
   
104
All Borrower Wage Income
Monthly income of all borrowers derived from base salary only.
Borrower Qualification
Numeric – Decimal
9000
9(9).99
Always
>= 0
   
105
All Borrower Total Income
Monthly income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income, retirement income, social security, veterans income, military income, foster care income, and self-employed income.
Borrower Qualification
Numeric – Decimal
9000
9(9).99
Always
>= 0
   
106
4506-T Indicator
A yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and considered.
Borrower Qualification
Numeric – Integer
1
99
Always
See Coding
0 = No
1 = Yes
99 = Unknown
 
107
Borrower Income Verification Level
A code indicating the extent to which the borrower’s income has been verified:
Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)
Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
*For self-employed borrowers:  Level 4 Income Verification:
• 2 Years Tax Returns
• Self-prepared tax returns (regardless of 4506 and tax transcripts)
 
** For self-employed borrowers: Level 5 Income Verification:
• 2 Years tax returns
• Tax returns prepared and not executed by a CPA, with
          o CPA name & phone number shown on the Preparer section of the tax return
          o Executed 4506 and tax transcripts (matching returns in file)
• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)
Borrower Qualification
Numeric – Integer
1
9
Always
See Coding
1 = Not Stated, Not Verified
2 = Stated, Not Verified
3 = Stated, “Partially” Verified
4 = Stated, “Level 4” Verified  (as defined)
5 = Stated, “Level 5” Verified  (as defined)
 
 
108
Co-Borrower Income Verification
A code indicating the extent to which the co-borrower’s income has been verified:
 
Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)
 
Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
*For self-employed borrowers:  Level 4 Income Verification:
• 2 Years Tax Returns
• Self-prepared tax returns (regardless of 4506 and tax transcripts)
 
** For self-employed borrowers: Level 5 Income Verification:
• 2 Years tax returns
• Tax returns prepared and not executed by a CPA, with
          o CPA name & phone number shown on the Preparer section of the tax return
          o Executed 4506 and tax transcripts (matching returns in file)
• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)
Borrower Qualification
Numeric – Integer
2
9
If “Total Number of Borrowers” > 1
See Coding
1 = Not Stated, Not Verified
2 = Stated, Not Verified
3 = Stated, “Partially” Verified
4 = Stated, “Level 4” Verified  (as defined)
5 = Stated, “Level 5” Verified  (as defined)
 
 
109
Borrower Employment Verification
A code indicating the extent to which the primary borrower’s employment has been verified:
 
Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.
Borrower Qualification
Numeric – Integer
2
9
Always
See Coding
1 = Not Stated, Not Verified
2 = Stated, Not Verified
3 = Stated, Level 3 Verified (as defined)
 
110
Co-Borrower Employment Verification
A code indicating the extent to which the co-borrower’s employment has been verified:
 
Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current employment.
Borrower Qualification
Numeric – Integer
1
9
If “Total Number of Borrowers” > 1
See Coding
1 = Not Stated, Not Verified
2 = Stated, Not Verified
3 = Stated, Level 3 Verified (as defined)
 
111
Borrower Asset Verification
A code indicating the extent to which the primary borrower’s assets used to qualify the loan have been verified:
 
Level 4 Verified = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).
 
Borrower Qualification
Numeric – Integer
3
9
Always
See Coding
1 = Not Stated, Not Verified
2 = Stated, Not Verified
3 = Stated, “Partially” Verified
4 = Stated, Level 4 Verified  (as defined)
 
112
Co-Borrower Asset Verification
A code indicating the extent to which the co-borrower’s assets used to qualify the loan have been verified:
 
Level 4 = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).
 
Borrower Qualification
Numeric – Integer
2
9
If “Total Number of Borrowers” > 1
See Coding
1 = Not Stated, Not Verified
2 = Stated, Not Verified
3 = Stated, “Partially” Verified
4 = Stated, Level 4 Verified  (as defined)
 
113
Liquid / Cash Reserves
The actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject loan.)
Borrower Qualification
Numeric – Decimal
3242.76
9(9).99
Always
>= 0
   
114
Monthly Debt All Borrowers
The aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other real estate loans used to compute net rental income— which is added/subtracted in the income fields).
Borrower Qualification
Numeric – Decimal
3472.43
9(9).99
Always
>= 0
   
115
Originator DTI
Total Debt to income ratio used by the originator to qualify the loan.
Borrower Qualification
Numeric – Decimal
0.35
9.999999
Always
>= 0 and >= 1
   
116
Fully Indexed Rate
The fully indexed interest rate as of securitization cut-off.
Borrower Qualification
Numeric – Decimal
0.0975
9.999999
ARMs Only
>= 0 and >= 1
   
117
Qualification Method
Type of mortgage payment used to qualify the borrower for the loan.
Borrower Qualification
Numeric – Integer
3
99
Always
See Coding
1 = Start Rate
2 = First Year Cap Rate
3 = I/O Amount
4 = Fully Indexed
5 = Min Payment
98 = Other
99 = Unknown
 
118
Percentage of Down Payment from Borrower Own Funds
Include only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan, or the guideline percentage and note departure concentration on the transaction summary.)
Borrower Qualification
Numeric – Decimal
0.5
9.999999
Purchase Loans Only
>= 0 and >= 1
   
119
City
The name of the city.
Subject Property
Text
New York
X(45)
Always
Unk=Unknown
   
120
State
The name of the state as a 2-digit Abbreviation.
Subject Property
Text
NY
XX
Always
See Coding
See Appendix H
 
121
Postal Code
The postal code (zip code in the US) where the subject property is located.
Subject Property
Text
10022
X(5)
Always
Unk=Unknown
   
122
Property Type
Specifies the type of property being used to secure the loan.
Subject Property
Numeric – Integer
11
99
Always
See Coding
See Appendix D
 
123
Occupancy
Specifies the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).
Subject Property
Numeric – Integer
4
9
Always
See Coding
See Appendix E
 
124
Sales Price
The negotiated price of a given property between the buyer and seller.
Subject Property
Numeric – Decimal
450000.23
9(10).99
Purchase Loans Only
> 0
   
125
Original Appraised Property Value
The appraised value of the property used to approve the loan.
Subject Property
Numeric – Decimal
550000.23
9(10).99
Always
> 0
   
126
Original Property Valuation Type
Specifies the method by which the property value (at the time of underwriting) was reported.
Subject Property
Numeric – Integer
8
99
Always
See Coding
See Appendix F
 
127
Original Property Valuation Date
Specifies the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)
Subject Property
Date
20090914
YYYYMMDD
Always
“19010101” if unknown
   
128
Original Automated Valuation Model (AVM) Model Name
The name of the AVM Vendor if an AVM was used to determine the original property valuation.
Subject Property
Numeric – Integer
1
99
Always
See Appendix I
See Appendix I
 
129
Original AVM Confidence Score
The confidence range presented on the AVM report.
Subject Property
Numeric – Decimal
0.74
9.999999
If AVM Model Name (Field 127) > 0
>= 0 to <= 1
   
130
Most Recent Property Value[1]
If a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.
Subject Property
Numeric – Decimal
500000
9(10).99
If updated value was obtained subsequent to loan approval
> 0
   
131
Most Recent Property Valuation Type
If an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the property value was reported.
Subject Property
Numeric – Integer
6
9
If updated value was obtained subsequent to loan approval
See Coding
See Appendix F
 
132
Most Recent Property Valuation Date
Specifies the date on which the updated property value was reported.
Subject Property
Date
20090914
YYYYMMDD
If updated value was obtained subsequent to loan approval
“19010101” if unknown
   
133
Most Recent AVM Model Name
The name of the AVM Vendor if an AVM was used to determine the updated property valuation.
Subject Property
Numeric – Integer
19
99
If updated value was obtained subsequent to loan approval
See Coding
See Appendix I
 
134
Most Recent AVM Confidence Score
If AVM used to determine the updated property valuation, the confidence range presented on the AVM report.
Subject Property
Numeric – Decimal
0.85
9.999999
If “Most Recent AVM Model Name” > 0
>= 0 to <= 1
   
135
Original CLTV
The ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of the appraised value or the sales price.
Loan-to-Value (LTV)
Numeric – Decimal
0.96
9.999999
Always
>= 0 and <= 1.5
   
136
Original LTV
The ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s appraised value on the note date or its purchase price.
Loan-to-Value (LTV)
Numeric – Decimal
0.8
9.999999
Always
>= 0 and <= 1.25
   
137
Original Pledged Assets
The total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable securities.
Loan-to-Value (LTV)
Numeric – Decimal
75000
9(10).99
Always
>=0
   
138
Mortgage Insurance Company Name
The name of the entity providing mortgage insurance for a loan.
Mortgage Insurance
Numeric – Integer
3
99
Always
See Coding
See Appendix G
 
139
Mortgage Insurance Percent
Mortgage Insurance coverage percentage.
Mortgage Insurance
Numeric – Decimal
0.25
9.999999
“Mortgage Insurance Company Name” > 0
>= 0 to <= 1
   
140
MI: Lender or Borrower Paid?
An indicator of whether mortgage insurance is paid by the borrower or the lender.
Mortgage Insurance
Numeric – Integer
1
99
“Mortgage Insurance Company Name” > 0
See Coding
1 = Borrower-Paid
2 = Lender- Paid
99 = Unknown
 
141
Pool Insurance Co. Name
Name of pool insurance provider.
Mortgage Insurance
Numeric – Integer
8
99
Always
See Coding
See Appendix G
 
142
Pool Insurance Stop Loss %
The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.
Mortgage Insurance
Numeric – Decimal
0.25
9.999999
Pool MI Company > 0
>= 0 to <= 1
   
143
MI Certificate Number
The unique number assigned to each individual loan insured under an MI policy.
Mortgage Insurance
Text
123456789G
X(20)
MI Company
> 0
UNK = Unknown
   
144
Updated DTI
(Front-end)
Updated front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
0.35
9.999999
Modified Loans Only
>= 0 and >= 1
   
145
Updated DTI
(Back-end)
Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
0.35
9.999999
Modified Loans Only
>= 0 and >= 1
   
146
Modification Effective Payment Date
Date of first payment due post modification.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Date
20090914
YYYYMMDD
Modified Loans Only
“19010101” if unknown
   
147
Total Capitalized Amount
Amount added to the principal balance of a loan due to the modification.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
12000
9(10).99
Modified Loans Only
>= 0
   
148
Total Deferred Amount
Any non-interest-bearing deferred amount (e.g., principal, interest and fees).
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
12000
9(10).99
Modified Loans Only
>= 0
   
149
Pre-Modification Interest (Note) Rate
Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
0.075
9.999999
Modified Loans Only
>= 0 to <= 1
   
150
Pre-Modification P&I Payment
Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
2310.57
9(10).99
Modified Loans Only
> 0
   
151
Pre-Modification Initial Interest Rate Change Downward Cap
Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide if the rate floor is modified.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
0.015
9.999999
Modified Loans Only
>= 0 to <= 1
   
152
Pre-Modification Subsequent Interest Rate Cap
Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the Cap is modified.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
0.015
9.999999
Modified Loans Only
>= 0 to <= 1
   
153
Pre-Modification Next Interest Rate Change Date
Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Date
20090914
YYYYMMDD
Modified Loans Only
“19010101” if unknown
   
154
Pre-Modification I/O Term
Interest Only Term (in months) preceding The Modification Effective Payment Date.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Integer
36
999
Modified Loans Only
>= 0 to <= 120
   
155
Forgiven Principal Amount
The sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
12000
9(10).99
Modified Loans Only
>= 0
   
156
Forgiven Interest Amount
The sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Decimal
12000
9(10).99
Modified Loans Only
>= 0
   
157
Number of Modifications
The number of times the loan has been modified.
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)
Numeric – Integer
1
9
Modified Loans Only
>= 0
   
MH-1
Real Estate Interest
Indicates whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)
Manufactured Housing
Numeric – Integer
2
99
Manufactured Housing Loans Only
See Coding
1 = Owned
2 = Short-term lease
3 = Long-term lease
99 = Unavailable
 
MH-2
Community Ownership Structure
If the manufactured home is situated in a community, a means of classifying ownership of the community.
Manufactured Housing
Numeric – Integer
2
99
Manufactured Housing Loans Only
See Coding
1 = Public Institutional
2 = Public Non-Institutional
3 = Private Institutional
4 = Private Non-Institutional
5 = HOA-Owned
6 = Non-Community
99 = Unavailable
 
MH-3
Year of Manufacture
The year in which the home was manufactured (Model Year — YYYY Format). Required only in cases where a full appraisal is not provided.
Manufactured Housing
Numeric – Integer
2006
YYYY
Manufactured Housing Loans Only
1901 = Unavailable
   
MH-4
HUD Code Compliance  Indicator (Y/N)
Indicates whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with this code.
Manufactured Housing
Numeric – Integer
1
9
Manufactured Housing Loans Only
See Codes
0 = No
1 = Yes
99 = Unavailable
 
MH-5
Gross Manufacturer’s Invoice Price
The total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).
Manufactured Housing
Numeric – Decimal
72570.62
9(10).99
Manufactured Housing Loans Only
>= 0
   
MH-6
LTI (Loan-to-Invoice) Gross
The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).
Manufactured Housing
Numeric – Decimal
0.75
9.999999
Manufactured Housing Loans Only
>= 0 to <= 1
   
MH-7
Net Manufacturer’s Invoice Price
The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.
Manufactured Housing
Numeric – Decimal
61570.62
9(10).99
Manufactured Housing Loans Only
>= 0
   
MH-8
LTI (Net)
The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).
Manufactured Housing
Numeric – Decimal
0.62
9.999999
Manufactured Housing Loans Only
>= 0 to <= 1
   
MH-9
Manufacturer Name
The manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)
Manufactured Housing
Text
“XYZ Corp”
Char (100)
Manufactured Housing Loans Only (where no appraised value is provided)
MH Manufacturer name in double quotation marks
   
MH-10
Model Name
The model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)
Manufactured Housing
Text
“DX5-916-X”
Char (100)
Manufactured Housing Loans Only (where no appraised value is provided)
MH Model name in double quotation marks
   
MH-11
Down Payment Source
An indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.
Manufactured Housing
Numeric – Integer
2
99
Manufactured Housing Loans Only
See Codes
1 = Cash
2 = Proceeds from trade in
3 = Land in Lieu
4 = Other
99 = Unavailable
 
MH-12
Community/Related Party Lender (Y/N)
An indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real estate upon which the collateral is located.
Manufactured Housing
Numeric – Integer
1
99
Manufactured Housing Loans Only
See Codes
0 = No
1 = Yes
99 = Unavailable
 
MH-13
Defined Underwriting Criteria (Y/N)
An indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.
Manufactured Housing
Numeric – Integer
1
99
Manufactured Housing Loans Only
See Codes
0 = No
1 = Yes
99 = Unavailable
 
MH-14
Chattel Indicator
An Indicator of whether the secured property is classified as chattel or Real Estate.
Manufactured Housing
Numeric – Integer
1
99
Manufactured Housing Loans Only
See Codes
0 = Real Estate
1 = Chattel
99 = Unavailable
 
 
 

 

APPENDIX A

 

MODIFICATIONS TO THE FLOW SERVICING AGREEMENT

  

1. The definition of “Assumed Principal Balance” in Section 1 is revised to read in its entirety as follows:

 

Assumed Principal Balance: As to each Mortgage Loan as of any date of determination, (i) the principal balance of the Mortgage Loan outstanding as of the Cut-off Date after application of payments due on or before the Cut-off Date, whether or not received, minus (ii) all amounts previously distributed to the Owner with respect to the Mortgage Loan pursuant to Subsection 11.15 and representing (a) payments or other recoveries of principal or (b) advances of scheduled principal payments made pursuant to Subsection 11.17.”

 

2. The definition of “Business Day” in Section 1 is revised to read in its entirety as follows:

 

Business Day: Any day other than (i) a Saturday or a Sunday, or (ii) a legal holiday in the State of New York, the State of New Jersey, the State of California, or the State of Maryland or the State of Minnesota, or (iii) a day on which banks in the State of New York, the State of New Jersey, the State of California, or the State of Maryland or the State of Minnesota are authorized or obligated by law or executive order to be closed.”

 

3. The definition of “Closing Date” in Section 1 is revised to read in its entirety as follows:

 

Closing Date: March 29, 2012, except with respect to Section 3 and the Servicer Acknowledgement(s).”

 

4. The definition of “Cut-off Date” in Section 1 is revised to read in its entirety as follows:

 

Cut-off Date: March 1, 2012, except with respect to the Servicer Acknowledgement(s).”

 

5. The definition of “First Remittance Date” in Section 1 is revised to read in its entirety as follows:

 

A-1
 

 

First Remittance Date: April 25, 2012.”

 

6. A new definition of “Servicing Administrator” is hereby added to Section 1, to be inserted alphabetically and to read in its entirety as follows:

 

Servicing Administrator: Redwood Residential Acquisition Corporation or its successor in interest.”

 

7. Owner Representation Correction

 

In the first sentence of Subsection 7.02(a), the phrase “federal savings bank” is replaced by the phrase “Delaware corporation” and the term “United States” is replaced by the term “Delaware”.

 

8. Loan Modifications and Environmental Issues

 

(a) Subsection 11.01, fifth paragraph is revised to read in its entirety as follows:

 

“Consistent with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, the Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor; provided, however, that (unless the Mortgagor is in default with respect to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent, and the modification is in accordance with the previously agreed-upon customary procedures of the Servicer, which may change from time to time, or industry-accepted programs, and the Servicer has previously notified the Owner of such modification) the Servicer shall not enter into any payment plan or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any modification with respect to any Mortgage Loan that would change the Mortgage Interest Rate, the Lifetime Rate Cap (if applicable), the Initial Rate Cap (if applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend the final maturity date with respect to such Mortgage Loan, or accept substitute or additional collateral or release any collateral for such Mortgage Loan. Additionally, the Servicer shall not accept any deed-in-lieu of, short pay-off, or sell any property, in which the sale proceeds are less than the unpaid principal balance of the related Mortgage Loan without previously notifying the Owner and providing the Owner with justification for such action. Further, unless the related Mortgage Loan is in default or such

 

A-2
 

 

default is, in the judgment of the Servicer, imminent, the Servicer shall not defer or forgive the payment of any principal or interest or change the outstanding principal amount (except to reflect actual payments of principal) without previously notifying the Owner and providing the Owner with justification for such action. Any capitalization of arrearages of interest, fees and expenses in excess of 10% of the outstanding unpaid principal balance of the related Mortgage Loan immediately prior to the capitalization shall be made only after the Servicer has notified the Owner and provided the Owner with justification for the capitalization. Without limiting the generality of the foregoing, the Servicer in its own name or acting through subservicers or agents is hereby authorized and empowered by the Owner when the Servicer believes it appropriate and reasonable in its best judgment, to execute and deliver, on behalf of itself or the Owner, all instruments of satisfaction or cancellation, or of partial or full release and discharge, and all other comparable instruments, with respect to the Mortgage Loans and the Mortgaged Properties and to institute foreclosure proceedings or obtain a deed-in-lieu of foreclosure so as to convert the ownership of such properties, and to hold or cause to be held title to such properties, on behalf of the Owner pursuant to the provisions of Subsection 11.13. Notwithstanding anything to the contrary in the this Agreement, the Servicer shall not make or permit any modification, waiver or amendment of any term of a Mortgage Loan that could cause any REMIC holding such Mortgage Loan to fail to qualify as a REMIC or result in the imposition of any tax under Section 860F(a) or 860G(d) of the Code on any REMIC holding such Mortgage Loan.”

 

(b) Subsection 11.01, eighth paragraph is revised to read in its entirety as follows:

 

Notwithstanding anything to the contrary contained herein, in connection with a foreclosure or acceptance of a deed in lieu of foreclosure, in the event the Servicer believes that a Mortgaged Property is contaminated by hazardous or toxic substances or wastes, or if the Owner otherwise requests an environmental inspection or review of such Mortgaged Property, such an inspection or review is to be conducted by a qualified inspector at the Owner’s expense. Upon completion of the inspection, the Servicer shall promptly provide the Owner with a written report of the environmental inspection. In the event (i) the environmental inspection report indicates that the Mortgaged Property is contaminated by hazardous or toxic substances or wastes and (ii) the Owner provides written approval for the Servicer to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all reasonable costs associated with such foreclosure or acceptance of a deed in lieu of foreclosure and any related environmental clean up costs, as applicable, from the related Liquidation Proceeds, or if the Liquidation Proceeds are insufficient fully to reimburse the Servicer, the Servicer shall be entitled to

 

A-3
 

 

be reimbursed from amounts in the Custodial Account pursuant to Subsection 11.05 hereof. In the event the Owner directs the Servicer not to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all Servicing Advances made with respect to the related Mortgaged Property from the Custodial Account pursuant to Subsection 11.05 hereof.

 

9. Subsection 11.04, first sentence of the first paragraph is revised to read in its entirety as follows:

  

“The Servicer shall segregate and hold all funds collected and received pursuant to each Mortgage Loan separate and apart from any of its own funds and general assets and shall establish and maintain one or more Custodial Accounts (collectively, the “Custodial Account”), titled “U.S. Bank National Association, in trust for the holders of Sequoia Mortgage Trust 2012-2 Mortgage Pass-Through Certificates.”

 

10. Subsection 11.04, subclause (f) of the second paragraph is revised to read in its entirety as follows:

 

“(f) any amount required to be deposited in the Custodial Account pursuant to Subsections 11.15, 11.17, 11.19 and 11.25.”

 

11. Notwithstanding anything to the contrary in the Flow Servicing Agreement, any Custodial Accounts established by the Servicer pursuant to Subsection 11.04 of the Flow Servicing Agreement shall qualify as Eligible Accounts as defined in the Pooling and Servicing Agreement.

 

12. Paragraphs (b), (c), (d) and (f) of Subsection 11.05 are revised to read in their entirety as follows:

 

(b) to reimburse the Servicing Administrator for P&I Advances, the Servicing Administrator’s right to reimbursement pursuant to this subclause (b) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the Servicing Administrator’s right thereto shall be prior to the rights of the Owner with respect to such Mortgage Loan;

 

(c) to reimburse itself or the Servicing Administrator for any unpaid portion of any Servicing Fees and for unreimbursed Servicing Advances made by

 

A-4
 

 

the Servicer or the Servicing Administrator, the Servicer’s right to reimburse itself or the Servicing Administrator pursuant to this subclause (c) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the rights of the Servicer and Servicing Administrator thereto shall be prior to the rights of the Owner unless the Servicing Administrator is required to pay the Prepayment Interest Shortfall pursuant to Subsection 11.15, in which case the Servicing Administrator’s right to such reimbursement shall be subsequent to the payment to the Owner of such shortfall;

 

(d) to reimburse itself or the Servicing Administrator for unreimbursed Servicing Advances, to the extent that such amounts are nonrecoverable (as certified by the Servicer or the Servicing Administrator, as applicable, to the Owner in an Officer’s Certificate) by the Servicer or the Servicing Administrator, as applicable, pursuant to subclause (c) above;

 

. . .

 

(f) to reimburse the Servicing Administrator for unreimbursed P&I Advances, to the extent that such amounts are nonrecoverable (as certified by the Servicing Administrator to the Owner in an Officer’s Certificate) by the Servicing Administrator pursuant to subclause (b) above;

 

13. Amendments to Subsection 11.13

 

(a) Subsection 11.13 is revised by deleting the first sentence and replacing it in its entirety with the following:

 

“Subject to Subsection 11.02, in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be taken in the name of the trust created by the Pooling and Servicing Agreement, where permitted by applicable law or regulation and consistent with Customary Servicing Procedures, and otherwise, in the name of the trustee of the Trust or its nominee.”

 

(b) Subsection 11.13 is further revised to add the following paragraphs at the end of the section:

 

“The REO Property must be sold within three years following the end of the calendar year of the date of acquisition if a REMIC election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, unless (i) the Owner shall have been supplied with an Opinion of Counsel (at the expense of the Servicing Administrator) to the effect that the holding by the related trust of such Mortgaged Property subsequent to such three-year period (and specifying the period

 

A-5
 

 

beyond such three-year period for which the Mortgaged Property may be held) will not result in the imposition of taxes on “prohibited transactions” of the related trust as defined in Section 860F of the Code, or cause the related REMIC to fail to qualify as a REMIC, in which case the related trust may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel), or (ii) the Owner (at the Servicer’s expense) or the Servicer shall have applied for, prior to the expiration of such three-year period, an extension of such three-year period in the manner contemplated by Section 856(e)(3) of the Code, in which case the three-year period shall be extended by the applicable period. If a period longer than three years is permitted under the foregoing sentence and is necessary to sell any REO Property, the Servicer shall report monthly to the Owner as to progress being made in selling such REO Property.

 

Notwithstanding any other provision of this Agreement, if a REMIC election has been made, no Mortgaged Property held by a REMIC shall be rented (or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the related trust or sold in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify at any time as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code, (ii) subject the related trust to the imposition of any federal or state income taxes on “net income from foreclosure property” with respect to such Mortgaged Property within the meaning of Section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged Property to result in the receipt by the related trust of any income from non-permitted assets as described in Section 860F(a) (2)(B) of the Code, unless the Servicer has agreed to indemnify and hold harmless the related trust with respect to the imposition of any such taxes.”

 

14. Servicer Reports. The Servicer shall provide monthly reports to the Purchaser pursuant to Subsection 11.16 in the formats attached hereto as Exhibits 4 and 5, or in such other format as the Servicer, the Purchaser and the Depositor shall agree in writing.

 

15. Subsection 11.17 is revised to read in its entirety as follows:

 

“Subsection 11.17 Advances by the Servicer or Servicing Administrator.

 

No later than two Business Days immediately preceding each related Remittance Date, the Servicer shall either (a) deposit in the Custodial Account from funds provided by the Servicing Administrator pursuant to Subsection 11.25 an amount equal to the aggregate amount of all Monthly Payments (with interest adjusted to the Mortgage Loan Remittance Rate) which were due on the Mortgage Loans during the applicable Due Period and which were delinquent at the close of business on the immediately preceding Determination Date, (b) cause to be made an appropriate entry in the records of the Custodial Account that amounts held for future distribution have been, as permitted by this Subsection 11.17, used by the Servicer in discharge of any such P&I Advance or (c) make P&I Advances in the form of any combination of (a) or (b) aggregating the total amount of

 

A-6
 

 

advances to be made, subject to Subsection 11.25. Any amounts held for future distribution and so used shall be replaced by the Servicing Administrator by deposit in the Custodial Account on or before any future Remittance Date if funds in the Custodial Account on such Remittance Date shall be less than payments to the Owner required to be made on such Remittance Date. The Servicing Administrator’s obligation to make P&I Advances as to any Mortgage Loan will continue through the last Monthly Payment due prior to the payment in full of a Mortgage Loan, or through the last related Remittance Date prior to the Remittance Date for the distribution of all other payments or recoveries (including proceeds under any title, hazard or other insurance policy, or condemnation awards) with respect to a Mortgage Loan; provided, however, that such obligation shall cease if the Servicing Administrator, in its good faith judgment, determines that such P&I Advances would not be recoverable pursuant to Subsection 11.05(b). The determination by the Servicing Administrator that a P&I Advance, if made, would be nonrecoverable, shall be evidenced by an Officer’s Certificate of the Servicing Administrator delivered to the Owner, which details the reasons for such determination. Neither the Servicing Administrator nor the Servicer shall have any obligation to advance amounts in respect of shortfalls relating to the Servicemembers Civil Relief Act and similar state and local laws.

 

16. The first sentence of Subsection 11.18 is revised to read in its entirety as follows:

 

“The Servicer will use its best efforts to enforce any “due-on-sale” provision contained in any Mortgage or Mortgage Note; provided that, subject to the Owner’s prior approval for the release of liability from the original borrower, the Servicer shall permit such assumption if so required in accordance with the terms of the Mortgage or the Mortgage Note.”

 

17. The Flow Servicing Agreement is modified by adding a new Subsection 11.26 which reads in its entirety as follows:

 

“Subsection 11.26 Compliance with REMIC Provisions.

 

If a REMIC election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall not take any action, cause the REMIC to take any action or fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of the REMIC as a REMIC or (ii) result in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined in Section 860F(a)(2) of the Code and the tax on “contribution” to a REMIC set forth in Section 860G(d) of the Code unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such actions) to the effect that the

 

A-7
 

 

contemplated action will not endanger such REMIC status or result in the imposition of any such tax.”

 

18. The first sentence of Subsection 12.01(b) is revised to read in its entirety as follows:

 

The Servicer shall promptly notify the Owner if a claim is made by a third party with respect to this Agreement or the Mortgage Loans, and the Servicer shall assume the defense of any such claim and pay all expenses in connection therewith, including counsel fees.

 

19. Subsection 12.04 is revised to read in its entirety as follows:

 

“Subsection 12.04 Servicer Not to Resign.

 

The Servicer shall not assign this Agreement or resign from the obligations and duties hereby imposed on it except by mutual consent of the Servicer and the Owner or upon the determination that the Servicer’s duties hereunder are no longer permissible under applicable law and such incapacity cannot be cured by the Servicer. No such resignation of or assignment by the Servicer shall become effective until a successor has assumed the Servicer’s responsibilities and obligations hereunder in accordance with Subsection 14.02.”

 

A-8
 

 

EXHIBIT 4

 

FORM OF MONTHLY LOSS REPORT

 

Exhibit : Calculation of Realized Loss/Gain Form 332–Instruction Sheet

NOTE: Do not net or combine items. Show all expenses individually and all credits as separate line items. Claim packages are due on the remittance report date. Late submissions may result in claims not being passed until the following month. The Servicer is responsible to remit all funds pending loss approval and /or resolution of any disputed items.

(a)

 

(b) The numbers on the 332 form correspond with the numbers listed below.

 

Liquidation and Acquisition Expenses: 

1.The Actual Unpaid Principal Balance of the Mortgage Loan. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

 

2.The Total Interest Due less the aggregate amount of servicing fee that would have been earned if all delinquent payments had been made as agreed. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

 

3.Accrued Servicing Fees based upon the Scheduled Principal Balance of the Mortgage Loan as calculated on a monthly basis. For documentation, an Amortization Schedule from date of default through liquidation breaking out the net interest and servicing fees advanced is required.

 

4-12.Complete as applicable. Required documentation:

 

*For taxes and insurance advances – see page 2 of 332 form - breakdown required showing period of coverage, base tax, interest, penalty. Advances prior to default require evidence of servicer efforts to recover advances.

 

*For escrow advances - complete payment history (to calculate advances from last positive escrow balance forward)

 

*Other expenses -  copies of corporate advance history showing all payments

 

*REO repairs > $1500 require explanation

 

*REO repairs >$3000 require evidence of at least 2 bids.

 

*Short Sale or Charge Off require P&L supporting the decision and WFB’s approved Officer Certificate

 

*Unusual or extraordinary items may require further documentation.

 

13.The total of lines 1 through 12.

 

(c)Credits:

 

14-21.Complete as applicable. Required documentation:

 

*Copy of the HUD 1 from the REO sale. If a 3rd Party Sale, bid instructions and Escrow Agent /

 

 
 

 

Attorney

 

Letter of Proceeds Breakdown.

 

*Copy of EOB for any MI or gov't guarantee

 

*All other credits need to be clearly defined on the 332 form

 

22.The total of lines 14 through 21.

 

Please Note: For HUD/VA loans, use line (18a) for Part A/Initial proceeds and line (18b) for Part B/Supplemental proceeds.

 

Total Realized Loss (or Amount of Any Gain)

 

23.The total derived from subtracting line 22 from 13. If the amount represents a realized gain, show the amount in parenthesis ( ).

 

 
 

  

Exhibit 3A: Calculation of Realized Loss/Gain Form 332

  

Prepared by:     Date:  

 

Phone:   Email Address:

 

 

Servicer Loan No.

 

 

 

 

Servicer Name

 

 

 

 

Servicer Address

 

 

 

 

 

 

WELLS FARGO BANK, N.A. Loan No.  

 

 

Borrower's Name:  
Property Address:  

 

 

Liquidation Type: REO Sale 3rd Party Sale Short Sale Charge Off

 

Was this loan granted a Bankruptcy deficiency or cramdown     Yes     No

If “Yes”, provide deficiency or cramdown amount

 

Liquidation and Acquisition Expenses:

 

(1) Actual Unpaid Principal Balance of Mortgage Loan   $   (1)
(2) Interest accrued at Net Rate       (2)
(3) Accrued Servicing Fees       (3)
(4) Attorney's Fees       (4)
(5) Taxes (see page 2)       (5)
(6) Property Maintenance       (6)
(7) MI/Hazard Insurance Premiums (see page 2)       (7)
(8) Utility Expenses       (8)
(9) Appraisal/BPO       (9)
(10) Property Inspections       (10)
(11) FC Costs/Other Legal Expenses       (11)
(12) Other (itemize)       (12)

  Cash for Keys         (12)
  HOA/Condo Fees         (12)
            (12)

 

Total Expenses   $ (13)
Credits:        
(14) Escrow Balance   $ (14)
(15) HIP Refund       (15)
(16) Rental Receipts       (16)
(17) Hazard Loss Proceeds       (17)
(18) Primary Mortgage Insurance / Gov’t Insurance       (18a)
  HUD Part A        
          (18b)
  HUD Part B        
(19) Pool Insurance Proceeds       (19)
(20) Proceeds from Sale of Acquired Property       (20)
(21) Other (itemize)       (21)

          (21)

 

 
 

 

           
  Total Credits   $   (22)
Total Realized Loss (or Amount of Gain)   $   (23)

 

 
 

 

Escrow Disbursement Detail

 

 

Type

(Tax /Ins.)

Date Paid Period of Coverage Total Paid Base Amount Penalties Interest
             
             
             
             
             
             
             
             

 

 
 

 

EXHIBIT 5

 

FORM OF DELINQUENCY REPORTING

 

Exhibit : Standard File Layout – Delinquency Reporting

 

*The column/header names in bold are the minimum fields Wells Fargo must receive from every Servicer

Column/Header Name Description Decimal Format Comment
SERVICER_LOAN_NBR A unique number assigned to a loan by the Servicer.  This may be different than the LOAN_NBR    
LOAN_NBR A unique identifier assigned to each loan by the originator.    
CLIENT_NBR Servicer Client Number    
SERV_INVESTOR_NBR Contains a unique number as assigned by an external servicer to identify a group of loans in their system.    
BORROWER_FIRST_NAME First Name of the Borrower.    
BORROWER_LAST_NAME Last name of the borrower.    
PROP_ADDRESS Street Name and Number of Property    
PROP_STATE The state where the  property located.    
PROP_ZIP Zip code where the property is located.    
BORR_NEXT_PAY_DUE_DATE The date that the borrower's next payment is due to the servicer at the end of processing cycle, as reported by Servicer.   MM/DD/YYYY
LOAN_TYPE Loan Type (i.e. FHA, VA, Conv)    
BANKRUPTCY_FILED_DATE The date a particular bankruptcy claim was filed.   MM/DD/YYYY
BANKRUPTCY_CHAPTER_CODE The chapter under which the bankruptcy was filed.    
BANKRUPTCY_CASE_NBR The case number assigned by the court to the bankruptcy filing.    
POST_PETITION_DUE_DATE The payment due date once the bankruptcy has been approved by the courts   MM/DD/YYYY
BANKRUPTCY_DCHRG_DISM_DATE The Date The Loan Is Removed From Bankruptcy. Either by Dismissal, Discharged and/or a Motion For Relief Was Granted.   MM/DD/YYYY
LOSS_MIT_APPR_DATE The Date The Loss Mitigation Was Approved By The Servicer   MM/DD/YYYY
LOSS_MIT_TYPE The Type Of Loss Mitigation Approved For A Loan Such As;    

 

 
 

 

Column/Header Name Description Decimal Format Comment
LOSS_MIT_EST_COMP_DATE The Date The Loss Mitigation /Plan Is Scheduled To End/Close   MM/DD/YYYY
LOSS_MIT_ACT_COMP_DATE The Date The Loss Mitigation Is Actually Completed   MM/DD/YYYY
FRCLSR_APPROVED_DATE The date DA Admin sends a letter to the servicer with instructions to begin foreclosure proceedings.   MM/DD/YYYY
ATTORNEY_REFERRAL_DATE Date File Was Referred To Attorney to Pursue Foreclosure   MM/DD/YYYY
FIRST_LEGAL_DATE Notice of 1st legal filed by an Attorney in a Foreclosure Action   MM/DD/YYYY
FRCLSR_SALE_EXPECTED_DATE The date by which a foreclosure sale is expected to occur.   MM/DD/YYYY
FRCLSR_SALE_DATE The actual date of the foreclosure sale.   MM/DD/YYYY
FRCLSR_SALE_AMT The amount a property sold for at the foreclosure sale. 2 No commas(,) or dollar signs ($)
EVICTION_START_DATE The date the servicer initiates eviction of the borrower.   MM/DD/YYYY
EVICTION_COMPLETED_DATE The date the court revokes legal possession of the property from the borrower.   MM/DD/YYYY
LIST_PRICE The price at which an REO property is marketed. 2 No commas(,) or dollar signs ($)
LIST_DATE The date an REO property is listed at a particular price.   MM/DD/YYYY
OFFER_AMT The dollar value of an offer for an REO property. 2 No commas(,) or dollar signs ($)
OFFER_DATE_TIME The date an offer is received by DA Admin or by the Servicer.   MM/DD/YYYY
REO_CLOSING_DATE The date the REO sale of the property is scheduled to close.   MM/DD/YYYY
REO_ACTUAL_CLOSING_DATE Actual Date Of REO Sale   MM/DD/YYYY
OCCUPANT_CODE Classification of how the property is occupied.    
PROP_CONDITION_CODE A code that indicates the condition of the property.    
PROP_INSPECTION_DATE The date a  property inspection is performed.   MM/DD/YYYY
APPRAISAL_DATE The date the appraisal was done.   MM/DD/YYYY

 

 
 

 

Column/Header Name Description Decimal Format Comment
CURR_PROP_VAL  The current "as is" value of the property based on brokers price opinion or appraisal. 2  
REPAIRED_PROP_VAL The amount the property would be worth if repairs are completed pursuant to a broker's price opinion or appraisal. 2  
If applicable:      
DELINQ_STATUS_CODE FNMA Code Describing Status of Loan    
DELINQ_REASON_CODE The circumstances which caused a borrower to stop paying on a loan.   Code indicates the reason why the loan is in default for this cycle.    
MI_CLAIM_FILED_DATE Date Mortgage Insurance Claim Was Filed With Mortgage Insurance Company.   MM/DD/YYYY
MI_CLAIM_AMT Amount of Mortgage Insurance Claim Filed   No commas(,) or dollar signs ($)
MI_CLAIM_PAID_DATE Date Mortgage Insurance Company Disbursed Claim Payment   MM/DD/YYYY
MI_CLAIM_AMT_PAID Amount Mortgage Insurance Company Paid On Claim 2 No commas(,) or dollar signs ($)
POOL_CLAIM_FILED_DATE Date Claim Was Filed With Pool Insurance Company   MM/DD/YYYY
POOL_CLAIM_AMT Amount of Claim Filed With Pool Insurance Company 2 No commas(,) or dollar signs ($)
POOL_CLAIM_PAID_DATE Date Claim Was Settled and The Check Was Issued By The Pool Insurer   MM/DD/YYYY
POOL_CLAIM_AMT_PAID Amount Paid On Claim By Pool Insurance Company 2 No commas(,) or dollar signs ($)
FHA_PART_A_CLAIM_FILED_DATE  Date FHA Part A Claim Was Filed With HUD   MM/DD/YYYY
FHA_PART_A_CLAIM_AMT  Amount of FHA Part A Claim Filed 2 No commas(,) or dollar signs ($)
FHA_PART_A_CLAIM_PAID_DATE  Date HUD Disbursed Part A Claim Payment   MM/DD/YYYY
FHA_PART_A_CLAIM_PAID_AMT  Amount HUD Paid on Part A Claim 2 No commas(,) or dollar signs ($)
FHA_PART_B_CLAIM_FILED_DATE   Date FHA Part B Claim Was Filed With HUD   MM/DD/YYYY
FHA_PART_B_CLAIM_AMT   Amount of FHA Part B Claim Filed 2 No commas(,) or dollar signs ($)

 

 
 

 

Column/Header Name Description Decimal Format Comment
FHA_PART_B_CLAIM_PAID_DATE    Date HUD Disbursed Part B Claim Payment   MM/DD/YYYY
FHA_PART_B_CLAIM_PAID_AMT  Amount HUD Paid on Part B Claim 2 No commas(,) or dollar signs ($)
VA_CLAIM_FILED_DATE  Date VA Claim Was Filed With the Veterans Admin   MM/DD/YYYY
VA_CLAIM_PAID_DATE  Date Veterans Admin. Disbursed VA Claim Payment   MM/DD/YYYY
VA_CLAIM_PAID_AMT  Amount Veterans Admin. Paid on VA Claim 2 No commas(,) or dollar signs ($)
MOTION_FOR_RELIEF_DATE The date the Motion for Relief was filed 10 MM/DD/YYYY
FRCLSR_BID_AMT The foreclosure sale bid amount 11 No commas(,) or dollar signs ($)
FRCLSR_SALE_TYPE The foreclosure sales results: REO, Third Party, Conveyance to HUD/VA    
REO_PROCEEDS The net proceeds from the sale of the REO property.    No commas(,) or dollar signs ($)
BPO_DATE The date the BPO was done.    
CURRENT_FICO The current FICO score    
HAZARD_CLAIM_FILED_DATE The date the Hazard Claim was filed with the Hazard Insurance Company. 10 MM/DD/YYYY
HAZARD_CLAIM_AMT The amount of the Hazard Insurance Claim filed. 11 No commas(,) or dollar signs ($)
HAZARD_CLAIM_PAID_DATE The date the Hazard Insurance Company disbursed the claim payment. 10 MM/DD/YYYY
HAZARD_CLAIM_PAID_AMT The amount the Hazard Insurance Company paid on the claim. 11 No commas(,) or dollar signs ($)
ACTION_CODE Indicates loan status   Number
NOD_DATE     MM/DD/YYYY
NOI_DATE     MM/DD/YYYY
ACTUAL_PAYMENT_PLAN_START_DATE     MM/DD/YYYY
ACTUAL_PAYMENT_ PLAN_END_DATE      
ACTUAL_REO_START_DATE     MM/DD/YYYY
REO_SALES_PRICE     Number
REALIZED_LOSS/GAIN As defined in the Servicing Agreement   Number

 

 
 

 

Exhibit 2: Standard File Codes – Delinquency Reporting

 

The Loss Mit Type field should show the approved Loss Mitigation Code as follows:

  · ASUM- Approved Assumption
  · BAP- Borrower Assistance Program
  · CO- Charge Off
  · DIL- Deed-in-Lieu
  · FFA- Formal Forbearance Agreement
  · MOD- Loan Modification
  · PRE- Pre-Sale
  · SS- Short Sale
  · MISC- Anything else approved by the PMI or Pool Insurer

 

NOTE: Wells Fargo Bank will accept alternative Loss Mitigation Types to those above, provided that they are consistent with industry standards. If Loss Mitigation Types other than those above are used, the Servicer must supply Wells Fargo Bank with a description of each of the Loss Mitigation Types prior to sending the file.

 

The Occupant Code field should show the current status of the property code as follows:

·Mortgagor
·Tenant
·Unknown
·Vacant

 

The Property Condition field should show the last reported condition of the property as follows:

·Damaged
·Excellent
·Fair
·Gone
·Good
·Poor
·Special Hazard
·Unknown

 

 
 

 

Exhibit 2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Reason Code field should show the Reason for Delinquency as follows:

 

Delinquency Code Delinquency Description
001 FNMA-Death of principal mortgagor
002 FNMA-Illness of principal mortgagor
003 FNMA-Illness of mortgagor’s family member
004 FNMA-Death of mortgagor’s family member
005 FNMA-Marital difficulties
006 FNMA-Curtailment of income
007 FNMA-Excessive Obligation
008 FNMA-Abandonment of property
009 FNMA-Distant employee transfer
011 FNMA-Property problem
012 FNMA-Inability to sell property
013 FNMA-Inability to rent property
014 FNMA-Military Service
015 FNMA-Other
016 FNMA-Unemployment
017 FNMA-Business failure
019 FNMA-Casualty loss
022 FNMA-Energy environment costs
023 FNMA-Servicing problems
026 FNMA-Payment adjustment
027 FNMA-Payment dispute
029 FNMA-Transfer of ownership pending
030 FNMA-Fraud
031 FNMA-Unable to contact borrower
INC FNMA-Incarceration

 

 
 

 

Exhibit 2: Standard File Codes – Delinquency Reporting, Continued

 

The FNMA Delinquent Status Code field should show the Status of Default as follows:

 

Status Code Status Description
09 Forbearance
17 Pre-foreclosure Sale Closing Plan Accepted
24 Government Seizure
26 Refinance
27 Assumption
28 Modification
29 Charge-Off
30 Third Party Sale
31 Probate
32 Military Indulgence
43 Foreclosure Started
44 Deed-in-Lieu Started
49 Assignment Completed
61 Second Lien Considerations
62 Veteran’s Affairs-No Bid
63 Veteran’s Affairs-Refund
64 Veteran’s Affairs-Buydown
65 Chapter 7 Bankruptcy
66 Chapter 11 Bankruptcy
67 Chapter 13 Bankruptcy