ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES AGREEMENT
EXHIBIT 10.3
EXECUTION COPY
ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES AGREEMENT
This is an Assignment of Representations and Warranties Agreement (the “Agreement”) made as of the 30th day of January, 2013, among Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”) under a Pooling and Servicing Agreement dated as of January 1, 2013, among the Depositor, Xxxxx Fargo Bank, N.A., as master servicer and securities administrator, and the Trustee (the “Pooling and Servicing Agreement”), and United Shore Financial Services, LLC, a Michigan limited liability company (“Shore”).
In consideration of the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase and Sale Agreement dated as of December 1, 2011, between Assignor and Shore (the “Purchase Agreement”) as modified or supplemented by this Agreement. Unless otherwise specified herein, capitalized terms used herein but not defined shall have the meanings ascribed to them in the Purchase Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling and Servicing Agreement.
Assignment
1. Assignor hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the representations and warranties made by Shore pursuant to Subsection 7.01 and Subsection 7.02 of the Purchase Agreement to the extent relating to the Mortgage Loans, and Depositor hereby accepts such assignment from Assignor.
2. Depositor hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the representations and warranties made by Shore pursuant to Subsection 7.01 and Subsection 7.02 of the Purchase Agreement to the extent relating to the Mortgage Loans, Depositor is released from all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment from Depositor.
3. Shore hereby acknowledges the foregoing assignments.
Representations and Warranties
4. Assignor warrants and represents to, and covenants with, Depositor, Assignee and Shore as of the date hereof that:
(a) Attached hereto as Attachment 2 is a true and accurate copy of the Purchase Agreement, which agreement is in full force and effect as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;
(b) Assignor is the lawful owner of its interests and rights under the Purchase Agreement to the extent of the Mortgage Loans, free and clear from any and all claims and encumbrances whatsoever, and upon the transfer of the representations and warranties to Assignee as contemplated herein, Assignee shall have good title to such representations and warranties under the Purchase Agreement to the extent of the Mortgage Loans, free and clear of all liens, claims and encumbrances;
(c) There are no offsets, counterclaims or other defenses available to Shore with respect to the Purchase Agreement;
(d) Assignor is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite power and authority to enter into and perform its obligations under the Purchase Agreement;
(e) Assignor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of Assignor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Assignor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Assignor is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Assignor or its property is subject. The execution, delivery and performance by Assignor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on the part of Assignor. This Agreement has been duly executed and delivered by Assignor and, upon the due authorization, execution and delivery by Assignee, will constitute the valid and legally binding obligation of Assignor enforceable against Assignor in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and
(f) No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Assignor in connection with the execution, delivery or performance by Assignor of this Agreement, or the consummation by it of the transactions contemplated hereby.
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5. Depositor warrants and represents to, and covenants with, Assignor, Assignee and Shore that as of the date hereof:
(a) Depositor is a Delaware corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation;
(b) Depositor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of Depositor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Depositor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Depositor is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Depositor or its property is subject. The execution, delivery and performance by Depositor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Depositor. This Agreement has been duly executed and delivered by Depositor and, upon the due authorization, execution and delivery by the other parties hereto, will constitute the valid and legally binding obligation of Depositor enforceable against Depositor in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and
(c) No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Depositor in connection with the execution, delivery or performance by Depositor of this Agreement, or the consummation by it of the transactions contemplated hereby other than any that have been obtained or made.
6. Assignee warrants and represents to, and covenants with, Assignor, Depositor and Shore that as of the date hereof:
(a) Assignee is a federal savings bank duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization; and
(b) Assignee has been directed to enter into this Agreement pursuant to the provisions of the Pooling and Servicing Agreement. The execution, delivery and performance by Assignee of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary action on part of Assignee. This Agreement has been duly executed and delivered by Assignee and, upon the due authorization, execution and delivery by the other parties hereto, will constitute the valid and legally binding obligation of Assignee enforceable against Assignee in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law.
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7. Shore warrants and represents to, and covenants with, Assignor, Depositor and Assignee as of the date hereof that:
(a) Attached hereto as Attachment 2 is a true and accurate copy of the Purchase Agreement, which agreement is in full force and effect as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;
(b) Shore is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite power and authority to perform its obligations under the Purchase Agreement;
(c) Shore has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein. The consummation of the transactions contemplated by this Agreement is in the ordinary course of Shore’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Shore’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Shore is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Shore or its property is subject. The execution, delivery and performance by Shore of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Shore. This Agreement has been duly executed and delivered by Shore and, upon the due authorization, execution and delivery by Assignor, Assignee and the Depositor, will constitute the valid and legally binding obligation of Shore enforceable against Shore in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and
(d) No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Shore in connection with the execution, delivery or performance by Shore of this Agreement, or the consummation by it of the transactions contemplated hereby.
Restated Shore Representations and Warranties
8. Pursuant to Section 32(d) of the Purchase Agreement, Shore hereby restates to Depositor and Assignee (a) the representations and warranties set forth in Subsection 7.01 of the Purchase Agreement as of the related Closing Date with respect to each Mortgage Loan and (b) the representations and warranties set forth in Subsection 7.02 of the Purchase Agreement as of the date hereof, as if such representations and warranties were set forth herein in full.
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In the event of a breach of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof, as the case may be, Assignee shall be entitled to all the remedies under Subsection 7.03 and Subsection 12.01 of the Purchase Agreement, including, without limitation, the right to compel Shore to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase Agreement, subject to the provisions of Section 10 of this Agreement.
Recognition of Assignee
9. From and after the date hereof, subject to Section 10 below, Shore shall recognize Assignee as owner of the Mortgage Loans and will perform its obligations hereunder for the benefit of the Assignee in accordance with the Purchase Agreement, as modified hereby or as may be amended from time to time, as if Assignee and Shore had entered into a separate purchase agreement for the purchase of the Mortgage Loans in the form of the Purchase Agreement, the terms of which are incorporated herein by reference, as amended by this Agreement.
Enforcement of Rights
10. (a) Controlling Holder Rights. Shore agrees and acknowledges 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 exercise all of Assignee's rights as Purchaser under the following section of the Purchase Agreement:
Purchase Agreement:
Section or Subsection | Matter |
7.03, other than 7.03(c) |
Repurchase and Substitution |
(b) If there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights that are to be exercised by the Controlling Holder pursuant to Section 10(a) shall be exercised by Assignee.
Amendments to Purchase Agreement
11. The parties agree that the Purchase Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:
(a) Definitions.
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(i) The definitions of “Business Day” and “Repurchase Price” set forth in Section 1 of the Purchase Agreement shall be deleted and replaced in their entirety as follows:
Business Day: Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Delaware, Maryland, Michigan, Minnesota, Missouri or New York, (iii) a day on which banks in the states of California, Delaware, Maryland, Michigan, Minnesota, Missouri or New York, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock Exchange or the Federal Reserve Bank of New York is closed.
Repurchase Price: With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest on such unpaid principal balance at the related Mortgage Interest Rate from the last date through which interest was last paid by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and customary third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any amounts received in respect of such repurchased Mortgage Loan and being held for future distribution in connection with such Mortgage Loan.
(b) The following sentence shall be added as the new third sentence of Subsection 7.03(a):
Each determination as to whether there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.
(c) The rights under the Purchase Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Purchase Agreement as amended by this Agreement.
Miscellaneous
12. All demands, notices and communications related to the Mortgage Loans, the Purchase Agreement and this Agreement shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid, as follows:
(a) In the case of Shore,
United Shore Financial Services, LLC
000 X. Xxxxx Xxxx
Xxxxxxxxxx, Xxxxxxxx 00000
Attention: Chief Executive Officer
Phone: (000) 000-0000
Facsimile: (000) 000-0000
with a copy to
General Counsel at the same address
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(b) In the case of Assignee,
Christiana Trust, a division of Wilmington Savings Fund Society, FSB
000 Xxxxxxxx Xxxxxx, 00xx Xxxxx
Xxxxxxxxxx, Xxxxxxxx, 00000
Attention: Corporate Trust
(c) In the case of Depositor,
Sequoia Residential Funding, Inc.
Xxx Xxxxxxxxx Xxxxx, Xxxxx 000
Xxxx Xxxxxx, Xxxxxxxxxx 00000
Attention: Xxxxxxx Xxxxxxx
with a copy to
General Counsel at the same address
(d) In the case of Assignor,
Redwood Residential Acquisition Corporation
Xxx Xxxxxxxxx Xxxxx, Xxxxx 000
Xxxx Xxxxxx, Xxxxxxxxxx 00000
Attention: Xxxxxxx Xxxxxxx
with a copy to
General Counsel at the same address
(e) In the case of Master Servicer,
Xxxxx Fargo Bank, N.A.
0000 Xxx Xxxxxxxxx Xxxx
Xxxxxxxx, Xxxxxxxx 00000)
Telephone number: (000) 000-0000
Facsimile number: (000) 000-0000
Attention: Client Manager -- Sequoia Mortgage Trust 2013-2
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(f) In the case of the initial Controlling Holder,
Sequoia Mortgage Funding Corporation
Xxx Xxxxxxxxx Xxxxx, Xxxxx 000
Xxxx Xxxxxx, Xxxxxxxxxx 00000
Attention: Xxxxxxx Xxxxxxx
with a copy to
General Counsel at the same address
13. This Agreement shall be construed in accordance with the laws of the State of New York, except to the extent preempted by Federal law, and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws, without regard to the conflicts of laws provisions of the State of New York or any other jurisdiction.
14. No term or provision of this Agreement may be waived or modified unless such waiver or modification is in writing and signed by the party against whom such waiver or modification is sought to be enforced.
15. This Agreement shall inure to the benefit of the successors and assigns of the parties hereto. Any entity into which Assignor, Depositor, Assignee or Shore may be merged or consolidated shall, without the requirement for any further writing, be deemed Assignor, Depositor, Assignee or Shore, respectively, hereunder.
16. This Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the representations and warranties made by Shore pursuant to the Purchase Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and the termination of the Purchase Agreement.
17. This Agreement may be executed simultaneously in any number of counterparts. Each counterpart shall be deemed to be an original, and all such counterparts shall constitute one and the same instrument.
18. The Controlling Holder under the Pooling and Servicing Agreement is an express third party beneficiary of this Agreement, and shall have the same power and ability to exercise and enforce the rights stated to be provided to it hereunder as if it were a signatory hereto. Shore hereby consents to such exercise and enforcement.
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19. It is expressly understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee (i) this Agreement is executed and delivered by Christiana Trust, a division of Wilmington Savings Fund Society, FSB (“Christiana Trust”) not in its individual capacity but solely as Trustee on behalf of the trust created by the Pooling and Servicing Agreement referred to herein (the “Trust”) in the exercise of the powers and authority conferred upon and vested in it, and as directed in the Pooling and Servicing Agreement, (ii) each of the undertakings and agreements herein made on behalf of the Trust is made and intended not as a personal undertaking or agreement of or by Christiana Trust but is made and intended for purposes of binding only the Trust, (iii) nothing herein contained shall be construed as creating any liability on the part of Christiana Trust, individually or personally, to perform any covenant either express or implied in this Agreement, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto, and (iv) under no circumstances shall Christiana Trust in its individual capacity or in its capacity as Trustee be personally liable for the payment of any indebtedness, amounts or expenses owed by the Assignor under the Purchase Agreement, as modified or supplemented by this Agreement (such indebtedness, expenses and other amounts being payable solely from and to the extent of funds of the Trust) or be personally liable for the breach or failure of any obligation, representation, warranty or covenant made under this Agreement or any other related documents.
20. Master Servicer. Shore hereby acknowledges that the Assignee has appointed Xxxxx Fargo Bank, N.A. to act as master servicer and securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, 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 Purchaser under this Agreement, including, without limitation, the right to enforce the obligations of Shore hereunder and under the Purchase Agreement and the right to exercise the remedies of the Purchaser hereunder and under the Purchase Agreement.
Shore shall make all remittances due by it to the Purchaser with respect to the Mortgage Loans to the following account by wire transfer of immediately available funds:
Xxxxx Fargo Bank, N.A.
San Francisco, California
ABA# 000-000-000
Account #0000000000
Account Name: SAS Clearing
FFC: Account #00000000, Sequoia Mortgage Trust 2013-2 Distribution Account
21. Shore acknowledges that the custodian will be Xxxxx Fargo Bank, N.A. acting pursuant to the Custodial Agreement. Notwithstanding Section 10 of the Purchase Agreement, if there has been a breach of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Purchase Agreement, Shore shall pay shipping expenses for sending any Mortgage Loan Documents to Shore or as otherwise necessary to cure such breach.
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22. Rule 17g-5 Compliance. Shore hereby agrees that it shall provide any information with respect to the Mortgage Loans or the origination thereof that it is reasonably requested to provide to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail at xxxx00x0xxxxxxxxxxxxxxxxxxx@xxxxxxxxxx.xxx, with a subject reference of “SEMT 2013-2” and an identification of the type of information being provided in the body of such electronic mail. The Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”) shall notify Shore in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider. Shore 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 Agreement 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 22 prohibit or restrict oral or written communications, or providing information, between Shore, 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 Shore or (ii) such Rating Agency’s or NRSRO’s evaluation of Shore’s operations in general; provided, however, that Shore 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.
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IN WITNESS WHEREOF, the parties hereto have executed this Agreement the day and year first above written.
REDWOOD RESIDENTIAL ACQUISITION CORPORATION | |||
Assignor | |||
By: | /s/ Xxxx Xxxxxxxxxxx | ||
Name: | Xxxx Xxxxxxxxxxx | ||
Title: | Authorized Officer | ||
SEQUOIA RESIDENTIAL FUNDING, INC. | |||
Depositor | |||
By: | /s/ Xxxx Xxxxxxxxxxx | ||
Name: | Xxxx Xxxxxxxxxxx | ||
Title: | Authorized Officer | ||
Christiana Trust, a division of Wilmington Savings Fund Society, FSB, not in its individual capacity but solely as Trustee, | |||
Assignee | |||
By: | /s/ Xxxxxxx X. Xxxxxxxx | ||
Name: | Xxxxxxx X. Xxxxxxxx | ||
Title: | AVP | ||
United Shore Financial Services, LLC | |||
By: | /s/ Herreld X. Xxxxxxxxxxx III | ||
Name: | Herreld X. Xxxxxxxxxxx III | ||
Title: | Chief Executive Officer |
Accepted and agreed to by: | |||
XXXXX FARGO BANK, N.A. | |||
Master Servicer | |||
By: | /s/ Xxxxxx X. Xxxxxxx | ||
Name: | Xxxxxx X. Xxxxxxx | ||
Title: | Vice President |
Signature Page – Assignment of Representations and Warranties – United Shore Financial (SEMT 2013-2)
ATTACHMENT 1
MORTGAGE LOAN SCHEDULE
1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | |
Primary Servicer | Servicing Fee % | Servicing Fee—Flatdollar | Servicing Advance Methodology | Originator | Loan Group | Loan Number | Amortization Type | Lien Position | HELOC Indicator | Loan Purpose | |
1 | 1000383 | 0.002500 | 1000324 | 0000000000 | 1 | 1 | 0 | 9 | |||
2 | 1000383 | 0.002500 | 1000324 | 1351228658 | 1 | 1 | 0 | 9 | |||
3 | 1000383 | 0.002500 | 1000324 | 1351226860 | 1 | 1 | 0 | 3 | |||
4 | 1000383 | 0.002500 | 1000324 | 1351238232 | 1 | 1 | 0 | 7 | |||
5 | 1000383 | 0.002500 | 1000324 | 1351238816 | 1 | 1 | 0 | 9 | |||
6 | 1000383 | 0.002500 | 1000324 | 135124179 | 1 | 1 | 0 | 7 | |||
7 | 1000383 | 0.002500 | 1000324 | 1351241905 | 1 | 1 | 0 | 7 | |||
8 | 1000383 | 0.002500 | 1000324 | 1351234174 | 1 | 1 | 0 | 9 | |||
9 | 1000383 | 0.002500 | 1000324 | 1351245098 | 1 | 1 | 0 | 9 | |||
10 | 1000383 | 0.002500 | 1000324 | 1351233515 | 1 | 1 | 0 | 9 | |||
11 | 1000383 | 0.002500 | 1000324 | 1351247382 | 1 | 1 | 0 | 7 | |||
12 | 1000383 | 0.002500 | 1000324 | 1351247812 | 1 | 1 | 0 | 7 | |||
13 | 1000383 | 0.002500 | 1000324 | 1351247412 | 1 | 1 | 0 | 7 | |||
14 | 1000383 | 0.002500 | 1000324 | 1312122002 | 1 | 1 | 0 | 9 | |||
15 | 1000383 | 0.002500 | 1000324 | 1351233195 | 1 | 1 | 0 | 9 | |||
16 | 1000383 | 0.002500 | 1000324 | 1351236909 | 1 | 1 | 0 | 9 | |||
17 | 1000383 | 0.002500 | 1000324 | 1312124626 | 1 | 1 | 0 | 9 | |||
18 | 1000383 | 0.002500 | 1000324 | 1351236156 | 1 | 1 | 0 | 9 | |||
19 | 1000383 | 0.002500 | 1000324 | 1451240765 | 1 | 1 | 0 | 3 | |||
20 | 1000383 | 0.002500 | 1000324 | 1351242089 | 1 | 1 | 0 | 3 | |||
21 | 1000383 | 0.002500 | 1000324 | 1351242876 | 1 | 1 | 0 | 9 | |||
22 | 1000383 | 0.002500 | 1000324 | 1351241734 | 1 | 1 | 0 | 3 | |||
23 | 1000383 | 0.002500 | 1000324 | 1351236343 | 1 | 1 | 0 | 9 | |||
24 | 1000383 | 0.002500 | 1000324 | 1451238143 | 1 | 1 | 0 | 9 | |||
25 | 1000383 | 0.002500 | 1000324 | 1351244816 | 1 | 1 | 0 | 9 | |||
26 | 1000383 | 0.002500 | 1000324 | 1351241171 | 1 | 1 | 0 | 9 | |||
27 | 1000383 | 0.002500 | 1000324 | 1351244992 | 1 | 1 | 0 | 7 | |||
28 | 1000383 | 0.002500 | 1000324 | 1312124561 | 1 | 1 | 0 | 9 | |||
29 | 1000383 | 0.002500 | 1000324 | 1351243305 | 1 | 1 | 0 | 9 | |||
30 | 1000383 | 0.002500 | 1000324 | 1351242887 | 1 | 1 | 0 | 9 | |||
31 | 1000383 | 0.002500 | 1000324 | 1351248310 | 1 | 1 | 0 | 9 | |||
32 | 1000383 | 0.002500 | 1000324 | 1351249699 | 1 | 1 | 0 | 9 | |||
33 | 1000383 | 0.002500 | 1000324 | 1351245572 | 1 | 1 | 0 | 7 | |||
34 | 1000383 | 0.002500 | 1000324 | 0000000000 | 1 | 1 | 0 | 3 | |||
35 | 1000383 | 0.002500 | 1000324 | 1351244294 | 1 | 1 | 0 | 9 | |||
36 | 1000383 | 0.002500 | 1000324 | 1351251680 | 1 | 1 | 0 | 9 | |||
37 | 1000383 | 0.002500 | 1000324 | 1351246907 | 1 | 1 | 0 | 9 | |||
38 | 1000383 | 0.002500 | 1000324 | 1351250579 | 1 | 1 | 0 | 7 | |||
39 | 1000383 | 0.002500 | 1000324 | 1351253055 | 1 | 1 | 0 | 7 | |||
40 | 1000383 | 0.002500 | 1000324 | 1351250285 | 1 | 1 | 0 | 7 | |||
41 | 1000383 | 0.002500 | 1000324 | 1351240317 | 1 | 1 | 0 | 9 | |||
42 | 1000383 | 0.002500 | 1000324 | 1351250769 | 1 | 1 | 0 | 9 | |||
43 | 1000383 | 0.002500 | 1000324 | 1351248121 | 1 | 1 | 0 | 9 | |||
44 | 1000383 | 0.002500 | 1000324 | 1351254589 | 1 | 1 | 0 | 7 | |||
45 | 1000383 | 0.002500 | 1000324 | 1351251120 | 1 | 1 | 0 | 9 | |||
46 | 1000383 | 0.002500 | 1000324 | 1351239252 | 1 | 1 | 0 | 9 | |||
47 | 1000383 | 0.002500 | 1000324 | 1451252438 | 1 | 1 | 0 | 7 | |||
48 | 1000383 | 0.002500 | 1000324 | 1351253703 | 1 | 1 | 0 | 3 | |||
49 | 1000383 | 0.002500 | 1000324 | 1351252591 | 1 | 1 | 0 | 9 | |||
50 | 1000383 | 0.002500 | 1000324 | 1351248235 | 1 | 1 | 0 | 7 |
12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 | 20 | |
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) |
Loan Type of Most Senior Lien | |
1 | 2 | 0 | 0 | ||||||
2 | 2 | 4 | 0 | ||||||
3 | 2 | 4 | 0 | ||||||
4 | 2 | 4 | 0 | ||||||
5 | 2 | 4 | 0 | ||||||
6 | 2 | 4 | 0 | ||||||
7 | 2 | 4 | 0 | ||||||
8 | 2 | 0 | 0 | ||||||
9 | 2 | 4 | 0 | ||||||
10 | 2 | 4 | 0 | ||||||
11 | 2 | 4 | 0 | ||||||
12 | 2 | 0 | 0 | ||||||
13 | 2 | 0 | 0 | ||||||
14 | 1 | 0 | 0 | ||||||
15 | 2 | 4 | 0 | ||||||
16 | 2 | 0 | 0 | ||||||
17 | 1 | 4 | 0 | ||||||
18 | 2 | 4 | 0 | ||||||
19 | 5 | 4 | 0 | ||||||
20 | 2 | 0 | 0 | ||||||
21 | 2 | 0 | 0 | ||||||
22 | 2 | 4 | 0 | ||||||
23 | 2 | 4 | 0 | ||||||
24 | 5 | 4 | 0 | ||||||
25 | 2 | 4 | 0 | ||||||
26 | 2 | 0 | 0 | ||||||
27 | 2 | 0 | 0 | ||||||
28 | 1 | 0 | 0 | ||||||
29 | 2 | 4 | 0 | ||||||
30 | 2 | 4 | 0 | ||||||
31 | 2 | 0 | 0 | ||||||
32 | 2 | 4 | 0 | ||||||
33 | 2 | 4 | 0 | ||||||
34 | 2 | 0 | 0 | ||||||
35 | 2 | 4 | 0 | ||||||
36 | 2 | 4 | 0 | ||||||
37 | 2 | 4 | 0 | ||||||
38 | 2 | 4 | 0 | ||||||
39 | 2 | 4 | 0 | ||||||
40 | 2 | 0 | 0 | ||||||
41 | 2 | 4 | 0 | ||||||
42 | 2 | 0 | 0 | ||||||
43 | 2 | 4 | 0 | ||||||
44 | 2 | 4 | 0 | ||||||
45 | 2 | 0 | 0 | ||||||
46 | 2 | 0 | 0 | ||||||
47 | 5 | 0 | 0 | ||||||
48 | 2 | 0 | 0 | ||||||
49 | 2 | 0 | 0 | ||||||
50 | 2 | 4 | 0 |
21 | 22 | 23 | 24 | 25 | 26 | 27 | 28 | 29 | |
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 | 200000.00 | 20121024 | 703000.00 | 0.042500 | 360 | 360 | |||
2 | 0.00 | 20121101 | 600000.00 | 0.042500 | 360 | 360 | |||
3 | 0.00 | 20121107 | 750000.00 | 0.046250 | 360 | 360 | |||
4 | 0.00 | 20121106 | 552000.00 | 0.042500 | 360 | 360 | |||
5 | 0.00 | 20121026 | 526000.00 | 0.040000 | 360 | 360 | |||
6 | 0.00 | 20121025 | 940000.00 | 0.041250 | 360 | 360 | |||
7 | 0.00 | 20121109 | 900000.00 | 0.041250 | 360 | 360 | |||
8 | 0.00 | 20121026 | 1988000.00 | 0.037500 | 360 | 360 | |||
9 | 0.00 | 20121030 | 479000.00 | 0.037500 | 360 | 360 | |||
10 | 0.00 | 20121102 | 686000.00 | 0.037500 | 360 | 360 | |||
11 | 0.00 | 20121106 | 697800.00 | 0.036250 | 360 | 360 | |||
12 | 0.00 | 20121109 | 577500.00 | 0.041250 | 360 | 360 | |||
13 | 0.00 | 20121105 | 960000.00 | 0.037500 | 360 | 360 | |||
14 | 0.00 | 20121103 | 819775.00 | 0.043750 | 360 | 360 | |||
15 | 80000.00 | 20121022 | 840000.00 | 0.041250 | 360 | 360 | |||
16 | 0.00 | 20121031 | 884000.00 | 0.040000 | 360 | 360 | |||
17 | 0.00 | 20121115 | 694353.00 | 0.036250 | 180 | 180 | |||
18 | 0.00 | 20121203 | 1050000.00 | 0.040000 | 360 | 360 | |||
19 | 0.00 | 20121016 | 774000.00 | 0.042500 | 360 | 360 | |||
20 | 0.00 | 20121121 | 999999.00 | 0.041250 | 360 | 360 | |||
21 | 500000.00 | 20121114 | 1147924.00 | 0.037500 | 360 | 360 | |||
22 | 0.00 | 20121114 | 621075.00 | 0.038750 | 360 | 360 | |||
23 | 140000.00 | 20121128 | 812000.00 | 0.038750 | 360 | 360 | |||
24 | 0.00 | 20121029 | 686000.00 | 0.043750 | 360 | 360 | |||
25 | 0.00 | 20121123 | 862500.00 | 0.040000 | 360 | 360 | |||
26 | 295000.00 | 20121130 | 747000.00 | 0.040000 | 360 | 360 | |||
27 | 0.00 | 20121113 | 637000.00 | 0.038750 | 360 | 360 | |||
28 | 0.00 | 20121107 | 943114.00 | 0.038750 | 360 | 360 | |||
29 | 0.00 | 20121108 | 1153500.00 | 0.038750 | 360 | 360 | |||
30 | 0.00 | 20121105 | 715000.00 | 0.037500 | 360 | 360 | |||
31 | 0.00 | 20121121 | 665000.00 | 0.037500 | 360 | 360 | |||
32 | 0.00 | 20121116 | 665000.00 | 0.038750 | 360 | 360 | |||
33 | 0.00 | 20121026 | 686000.00 | 0.035000 | 360 | 360 | |||
34 | 0.00 | 20121123 | 1235000.00 | 0.037500 | 360 | 360 | |||
35 | 0.00 | 20121109 | 852000.00 | 0.040000 | 360 | 360 | |||
36 | 0.00 | 20121130 | 637000.00 | 0.038750 | 360 | 360 | |||
37 | 0.00 | 20121115 | 712000.00 | 0.040000 | 360 | 360 | |||
38 | 0.00 | 20121127 | 630000.00 | 0.037500 | 360 | 360 | |||
39 | 0.00 | 20121128 | 688000.00 | 0.038750 | 360 | 360 | |||
40 | 0.00 | 20121115 | 1085625.00 | 0.038750 | 360 | 360 | |||
41 | 0.00 | 20121123 | 1000000.00 | 0.038750 | 360 | 360 | |||
42 | 0.00 | 20121204 | 828000.00 | 0.040000 | 360 | 360 | |||
43 | 0.00 | 20121113 | 693500.00 | 0.040000 | 360 | 360 | |||
44 | 0.00 | 20121207 | 1855000.00 | 0.040000 | 360 | 360 | |||
45 | 50000.00 | 20121210 | 757000.00 | 0.040000 | 360 | 360 | |||
46 | 0.00 | 20121105 | 542000.00 | 0.038750 | 360 | 360 | |||
47 | 0.00 | 20121120 | 920000.00 | 0.041250 | 360 | 360 | |||
48 | 0.00 | 20121207 | 460000.00 | 0.035000 | 360 | 360 | |||
49 | 125047.86 | 20121206 | 726000.00 | 0.040000 | 360 | 360 | |||
50 | 0.00 | 20121123 | 604000.00 | 0.038750 | 360 | 360 |
00 | 00 | 00 | 00 | 00 | 00 | 00 | 00 | 00 | |
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 | |
1 | 20121201 | 1 | 0 | 0 | 701059.47 | 0.042500 | 3458.34 | 20121201 | |
2 | 20130101 | 1 | 0 | 0 | 599173.36 | 0.042500 | 2951.64 | 20121201 | |
3 | 20130101 | 1 | 0 | 0 | 749034.58 | 0.046250 | 3856.05 | 20121201 | |
4 | 20130101 | 1 | 0 | 0 | 551239.49 | 0.042500 | 2715.51 | 20121201 | |
5 | 20121201 | 1 | 0 | 0 | 524481.74 | 0.040000 | 2511.20 | 20121201 | |
6 | 20121201 | 1 | 0 | 0 | 937346.53 | 0.041250 | 4555.71 | 20121201 | |
7 | 20130101 | 1 | 0 | 0 | 898731.90 | 0.041250 | 4361.85 | 20121201 | |
8 | 20121201 | 1 | 0 | 0 | 1982002.16 | 0.037500 | 9206.74 | 20121201 | |
9 | 20121201 | 1 | 0 | 0 | 477554.86 | 0.037500 | 2218.32 | 20121201 | |
10 | 20130101 | 1 | 0 | 0 | 684966.78 | 0.037500 | 3176.97 | 20121201 | |
11 | 20130101 | 1 | 0 | 0 | 696725.61 | 0.036250 | 3182.33 | 20121201 | |
12 | 20130101 | 1 | 0 | 0 | 576686.31 | 0.041250 | 2798.85 | 20121201 | |
13 | 20130101 | 1 | 0 | 0 | 958554.09 | 0.037500 | 4445.91 | 20121201 | |
14 | 20130101 | 1 | 0 | 0 | 818670.74 | 0.043750 | 4093.02 | 20121201 | |
15 | 20121201 | 1 | 0 | 0 | 837628.81 | 0.041250 | 4071.06 | 20121201 | |
16 | 20121201 | 1 | 0 | 0 | 881448.39 | 0.040000 | 4220.35 | 20121201 | |
17 | 20130101 | 1 | 0 | 0 | 691443.98 | 0.036250 | 5006.54 | 20121201 | |
18 | 20130201 | 1 | 0 | 0 | 1050000.00 | 0.040000 | 5012.86 | 20121201 | |
19 | 20121201 | 1 | 0 | 0 | 771863.48 | 0.042500 | 3807.61 | 20121201 | |
20 | 20130101 | 1 | 0 | 0 | 998590.01 | 0.041250 | 4846.49 | 20121201 | |
21 | 20130101 | 1 | 0 | 0 | 1146195.04 | 0.037500 | 5316.22 | 20121201 | |
22 | 20130101 | 1 | 0 | 0 | 620160.03 | 0.038750 | 2920.52 | 20121201 | |
23 | 20130101 | 1 | 0 | 0 | 810803.75 | 0.038750 | 3818.33 | 20121201 | |
24 | 20121201 | 1 | 0 | 0 | 684148.51 | 0.043750 | 3425.10 | 20121201 | |
25 | 20130101 | 1 | 0 | 0 | 861257.29 | 0.040000 | 4117.71 | 20121201 | |
26 | 20130101 | 1 | 0 | 0 | 745923.70 | 0.040000 | 3566.29 | 20121201 | |
27 | 20130101 | 1 | 0 | 0 | 636061.57 | 0.038750 | 2995.41 | 20121201 | |
28 | 20130101 | 1 | 0 | 0 | 941724.60 | 0.038750 | 4434.87 | 20121201 | |
29 | 20130101 | 1 | 0 | 0 | 1151800.66 | 0.038750 | 5424.18 | 20121201 | |
30 | 20130101 | 1 | 0 | 0 | 713923.10 | 0.037500 | 3311.28 | 20121201 | |
31 | 20130101 | 1 | 0 | 0 | 663998.41 | 0.037500 | 3079.72 | 20121201 | |
32 | 20130101 | 1 | 0 | 0 | 664020.32 | 0.038750 | 3127.08 | 20121201 | |
33 | 20121201 | 1 | 0 | 0 | 683837.61 | 0.035000 | 3080.45 | 20121201 | |
34 | 20130101 | 1 | 0 | 0 | 1233139.90 | 0.037500 | 5719.48 | 20121201 | |
35 | 20130101 | 1 | 0 | 0 | 850772.42 | 0.040000 | 4067.58 | 20121201 | |
36 | 20130101 | 1 | 0 | 0 | 636061.56 | 0.038750 | 2995.41 | 20121201 | |
37 | 20130101 | 1 | 0 | 0 | 710974.13 | 0.040000 | 3399.20 | 20121201 | |
38 | 20130101 | 1 | 0 | 0 | 629051.12 | 0.037500 | 2917.63 | 20121201 | |
39 | 20130101 | 1 | 0 | 0 | 686986.44 | 0.038750 | 3235.23 | 20121201 | |
40 | 20130101 | 1 | 0 | 0 | 1084025.64 | 0.038750 | 5105.01 | 20121201 | |
41 | 20130101 | 1 | 0 | 0 | 998526.80 | 0.038750 | 4702.37 | 20121201 | |
42 | 20130201 | 1 | 0 | 0 | 828000.00 | 0.040000 | 3953.00 | 20121201 | |
43 | 20130101 | 1 | 0 | 0 | 692500.79 | 0.040000 | 3310.88 | 20121201 | |
44 | 20130201 | 1 | 0 | 0 | 1855000.00 | 0.040000 | 8856.05 | 20121201 | |
45 | 20130201 | 1 | 0 | 0 | 757000.00 | 0.040000 | 3614.03 | 20121201 | |
46 | 20130101 | 1 | 0 | 0 | 541201.53 | 0.038750 | 2548.68 | 20121201 | |
47 | 20130101 | 1 | 0 | 0 | 918703.72 | 0.041250 | 4458.78 | 20121201 | |
48 | 20130201 | 1 | 0 | 0 | 460000.00 | 0.035000 | 2065.61 | 20121201 | |
49 | 20130201 | 1 | 0 | 0 | 726000.00 | 0.040000 | 3466.04 | 20121201 | |
50 | 20130101 | 1 | 0 | 0 | 603110.18 | 0.038750 | 2840.23 | 20121201 |
39 | 40 | 41 | 42 | 43 | 44 | 45 | 46 | 47 | 48 | 49 | 50 | |
Current Payment Status |
Index Type | 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) | |
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 | 52 | 53 | 54 | 55 | 56 | 57 | 58 | 59 | 60 | 61 | |
Lifetime Maximum Rate (Ceiling) |
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 | |
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62 | 63 | 64 | 65 | 66 | 67 | 68 | 69 | 70 | 71 | |
Option ARM Indicator |
Options at Recast | 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 | |
1 | 0 | 521 | 1 | |||||||
2 | 0 | 507 | 1 | |||||||
3 | 0 | 515 | 1 | |||||||
4 | 0 | 274 | 1 | |||||||
5 | 0 | 374 | 1 | |||||||
6 | 0 | 516 | 2 | |||||||
7 | 0 | 253 | 3 | |||||||
8 | 0 | 250 | 2 | |||||||
9 | 0 | 405 | 2 | |||||||
10 | 0 | 706 | 2 | |||||||
11 | 0 | 742 | 3 | |||||||
12 | 0 | 317 | 2 | |||||||
13 | 0 | 415 | 2 | |||||||
14 | 0 | 108 | 1 | |||||||
15 | 0 | 241 | 1 | |||||||
16 | 0 | 610 | 1 | |||||||
17 | 0 | 381 | 1 | |||||||
18 | 0 | 388 | 1 | |||||||
19 | 0 | 668 | 1 | |||||||
20 | 0 | 622 | 2 | |||||||
21 | 0 | 342 | 1 | |||||||
22 | 0 | 733 | 2 | |||||||
23 | 0 | 151 | 2 | |||||||
24 | 0 | 536 | 4 | |||||||
25 | 0 | 320 | 2 | |||||||
26 | 0 | 453 | 1 | |||||||
27 | 0 | 531 | 2 | |||||||
28 | 0 | 649 | 1 | |||||||
29 | 0 | 736 | 1 | |||||||
30 | 0 | 755 | 1 | |||||||
31 | 0 | 101 | 1 | |||||||
32 | 0 | 271 | 2 | |||||||
33 | 0 | 334 | 2 | |||||||
34 | 0 | 618 | 2 | |||||||
35 | 0 | 281 | 2 | |||||||
36 | 0 | 508 | 1 | |||||||
37 | 0 | 664 | 1 | |||||||
38 | 0 | 740 | 2 | |||||||
39 | 0 | 497 | 1 | |||||||
40 | 0 | 168 | 1 | |||||||
41 | 0 | 729 | 3 | |||||||
42 | 0 | 597 | 2 | |||||||
43 | 0 | 578 | 1 | |||||||
44 | 0 | 734 | 1 | |||||||
45 | 0 | 172 | 1 | |||||||
46 | 0 | 501 | 1 | |||||||
47 | 0 | 741 | 1 | |||||||
48 | 0 | 674 | 1 | |||||||
49 | 0 | 42 | 2 | |||||||
50 | 0 | 398 | 1 |
72 | 73 | 74 | 75 | 76 | 77 | 78 | 79 | 80 | 81 | |
Total Number of Borrowers |
Self-employment Flag |
Current ‘Other’ Monthly Payment |
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 | |
1 | 1 | 30.25 | 15 | 1 | ||||||
2 | 0 | 23 | 1 | 7 | 1 | |||||
3 | 1 | 20 | 16 | 15 | 1 | |||||
4 | 0 | 6 | 6 | 0 | 1 | |||||
5 | 1 | 25 | 0 | 1 | ||||||
6 | 1 | 5.75 | 5.75 | 0 | 1 | |||||
7 | 1 | 20 | 0 | 1 | ||||||
8 | 0 | 19.25 | 1.5 | 1 | ||||||
9 | 0 | 30.75 | 3 | 1 | ||||||
10 | 1 | 9.25 | 3 | 1 | ||||||
11 | 0 | 0 | 10 | 0 | 1 | |||||
12 | 0 | 8 | 24 | 0 | 1 | |||||
13 | 0 | 12.5 | 0.75 | 0 | 1 | |||||
14 | 0 | 0 | 8 | 1 | ||||||
15 | 1 | 10 | 4 | 7.5 | 1 | |||||
16 | 0 | 25 | 6 | 1 | ||||||
17 | 1 | 12.5 | 5 | 1 | ||||||
18 | 0 | 7 | 8 | 1 | ||||||
19 | 0 | 16.5 | 5 | 9 | 1 | |||||
20 | 0 | 24 | 14 | 1 | ||||||
21 | 1 | 7 | 7 | 1 | ||||||
22 | 1 | 13 | 3 | 9 | 1 | |||||
23 | 0 | 20.25 | 7 | 1 | ||||||
24 | 0 | 1 | 1.5 | 1 | ||||||
25 | 0 | 2 | 2 | 2 | 1 | |||||
26 | 1 | 15 | 20 | 1 | ||||||
27 | 0 | 0 | 0 | 1 | ||||||
28 | 1 | 12.75 | 10 | 1 | ||||||
29 | 0 | 5 | 1.5 | 1 | ||||||
30 | 0 | 13.25 | 0.25 | 2.5 | 1 | |||||
31 | 0 | 2.25 | 9.75 | 1 | ||||||
32 | 0 | 8.25 | 2.75 | 1 | 1 | |||||
33 | 0 | 3.5 | 14 | 0 | 1 | |||||
34 | 1 | 16.25 | 7 | 1 | ||||||
35 | 0 | 6 | 5 | 5 | 1 | |||||
36 | 0 | 23.25 | 7 | 1 | ||||||
37 | 0 | 0 | 8 | 20 | 1 | |||||
38 | 0 | 6 | 10 | 0 | 1 | |||||
39 | 0 | 0.5 | 1 | 0 | 1 | |||||
40 | 1 | 12 | 0 | 1 | ||||||
41 | 0 | 24.75 | 7 | 1 | ||||||
42 | 0 | 1.5 | 7 | 1 | ||||||
43 | 0 | 35 | 12 | 1 | ||||||
44 | 1 | 7.5 | 0 | 1 | ||||||
45 | 0 | 16.25 | 10 | 1 | ||||||
46 | 1 | 20 | 10 | 1 | ||||||
47 | 0 | 1 | 4 | 0 | 1 | |||||
48 | 0 | 15 | 11 | 1 | ||||||
49 | 1 | 16 | 4 | 1 | ||||||
50 | 0 | 10 | 6.5 | 0 | 1 |
82 | 83 | 84 | 85 | 86 | 87 | 88 | 89 | 90 | 91 | |
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 |
Most Recent Primary Borrower FICO |
Most Recent Co- Borrower FICO |
Most Recent FICO Method |
VantageScore: Primary Borrower |
VantageScore: Co- Borrower | |
1 | 796 | |||||||||
2 | 789 | |||||||||
3 | 757 | |||||||||
4 | 725 | |||||||||
5 | 795 | |||||||||
6 | 801 | |||||||||
7 | 780 | |||||||||
8 | 795 | |||||||||
9 | 793 | |||||||||
10 | 751 | |||||||||
11 | 784 | |||||||||
12 | 777 | |||||||||
13 | 779 | |||||||||
14 | 778 | |||||||||
15 | 743 | |||||||||
16 | 780 | |||||||||
17 | 746 | |||||||||
18 | 772 | |||||||||
19 | 752 | |||||||||
20 | 772 | |||||||||
21 | 799 | |||||||||
22 | 731 | |||||||||
23 | 729 | |||||||||
24 | 791 | |||||||||
25 | 772 | |||||||||
26 | 780 | |||||||||
27 | 787 | |||||||||
28 | 801 | |||||||||
29 | 777 | |||||||||
30 | 780 | |||||||||
31 | 807 | |||||||||
32 | 781 | |||||||||
33 | 789 | |||||||||
34 | 797 | |||||||||
35 | 788 | |||||||||
36 | 805 | |||||||||
37 | 788 | |||||||||
38 | 787 | |||||||||
39 | 770 | |||||||||
40 | 794 | |||||||||
41 | 801 | |||||||||
42 | 782 | |||||||||
43 | 728 | |||||||||
44 | 783 | |||||||||
45 | 782 | |||||||||
46 | 812 | |||||||||
47 | 753 | |||||||||
48 | 774 | |||||||||
49 | 784 | |||||||||
50 | 778 |
92 | 93 | 94 | 95 | 96 | 97 | 98 | 99 | |
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 |
Most Recent 12- month Pay History |
Months Bankruptcy | |
1 | 000000000000 | |||||||
2 | 000000000000 | |||||||
3 | 000000000000 | |||||||
4 | 000000000000 | |||||||
5 | 000000000000 | |||||||
6 | 000000000000 | |||||||
7 | 000000000000 | |||||||
8 | 000000000000 | |||||||
9 | 000000000000 | |||||||
10 | 000000000000 | |||||||
11 | 000000000000 | |||||||
12 | 000000000000 | |||||||
13 | 000000000000 | |||||||
14 | 000000000000 | |||||||
15 | 000000000000 | |||||||
16 | 000000000000 | |||||||
17 | 000000000000 | |||||||
18 | 000000000000 | |||||||
19 | 000000000000 | |||||||
20 | 000000000000 | |||||||
21 | 000000000000 | |||||||
22 | 000000000000 | |||||||
23 | 000000000000 | |||||||
24 | 000000000000 | |||||||
25 | 000000000000 | |||||||
26 | 000000000000 | |||||||
27 | 000000000000 | |||||||
28 | 000000000000 | |||||||
29 | 000000000000 | |||||||
30 | 000000000000 | |||||||
31 | 000000000000 | |||||||
32 | 000000000000 | |||||||
33 | 000000000000 | |||||||
34 | 000000000000 | |||||||
35 | 000000000000 | |||||||
36 | 000000000000 | |||||||
37 | 000000000000 | |||||||
38 | 000000000000 | |||||||
39 | 000000000000 | |||||||
40 | 000000000000 | |||||||
41 | 000000000000 | |||||||
42 | 000000000000 | |||||||
43 | 000000000000 | |||||||
44 | 000000000000 | |||||||
45 | 000000000000 | |||||||
46 | 000000000000 | |||||||
47 | 000000000000 | |||||||
48 | 000000000000 | |||||||
49 | 000000000000 | |||||||
50 | 000000000000 |
100 | 101 | 102 | 103 | 104 | 105 | 106 | 107 | 108 | |
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 |
4506-T Indicator | Borrower Income Verification Level | |
1 | 28307.42 | 0.00 | 28307.42 | 28307.42 | 1 | 5 | |||
2 | 13609.95 | 11165.59 | 0.00 | 0.00 | 24775.54 | 24775.54 | 1 | 5 | |
3 | 30117.42 | 0.00 | 0.00 | 0.00 | 30117.42 | 30117.42 | 1 | 5 | |
4 | 2371.03 | 6426.74 | 5126.57 | 0.00 | 8797.77 | 13924.34 | 1 | 5 | |
5 | 43301.37 | 0.00 | 43301.37 | 43301.37 | 1 | 5 | |||
6 | 9496.32 | 37174.01 | 0.00 | 0.00 | 46670.33 | 46670.33 | 1 | 5 | |
7 | 129400.00 | 0.00 | 129400.00 | 129400.00 | 1 | 5 | |||
8 | 35416.68 | 0.00 | 63570.83 | 0.00 | 35416.68 | 98987.51 | 1 | 5 | |
9 | 12360.40 | 1932.87 | 12360.40 | 14293.27 | 1 | 5 | |||
10 | 13315.45 | 0.00 | 13315.45 | 13315.45 | 1 | 5 | |||
11 | 12500.00 | 9689.42 | 0.00 | 0.00 | 22189.42 | 22189.42 | 1 | 5 | |
12 | 11587.50 | 10783.33 | 0.00 | 0.00 | 22370.83 | 22370.83 | 1 | 5 | |
13 | 19759.92 | 0.00 | 13000.00 | 0.00 | 19759.92 | 32759.92 | 1 | 5 | |
14 | 0.00 | 2299.90 | 12341.11 | 0.00 | 2299.90 | 14641.01 | 1 | 5 | |
15 | 20248.67 | 11740.64 | 0.00 | 0.00 | 31989.31 | 31989.31 | 1 | 5 | |
16 | 24666.68 | 0.00 | 0.00 | 0.00 | 24666.68 | 24666.68 | 1 | 5 | |
17 | 12802.42 | 10692.86 | 12802.42 | 23495.28 | 1 | 5 | |||
18 | 17250.00 | 0.00 | 17250.00 | 17250.00 | 1 | 5 | |||
19 | 10951.20 | 1627.33 | 388.24 | 0.00 | 12578.53 | 12966.77 | 1 | 5 | |
20 | 37084.92 | 19183.13 | 37084.92 | 56268.05 | 1 | 5 | |||
21 | 22815.00 | 0.00 | 22815.00 | 22815.00 | 1 | 5 | |||
22 | 16321.41 | 0.00 | 0.00 | 0.00 | 16321.41 | 16321.41 | 1 | 5 | |
23 | 31097.32 | 0.00 | 0.00 | 0.00 | 31097.32 | 31097.32 | 1 | 5 | |
24 | 17666.67 | 0.00 | 0.00 | 0.00 | 17666.67 | 17666.67 | 1 | 5 | |
25 | 16258.08 | 15512.92 | 0.00 | 0.00 | 31771.00 | 31771.00 | 1 | 5 | |
26 | 17547.49 | 0.00 | 17547.49 | 17547.49 | 1 | 5 | |||
27 | 3164.70 | 0.00 | 13000.00 | 0.00 | 3164.70 | 16164.70 | 1 | 5 | |
28 | 23279.17 | 0.00 | 23279.17 | 23279.17 | 1 | 5 | |||
29 | 30420.33 | 0.00 | 30420.33 | 30420.33 | 1 | 5 | |||
30 | 11166.34 | 7916.67 | 0.00 | 0.00 | 19083.01 | 19083.01 | 1 | 5 | |
31 | 26660.25 | 0.00 | 0.00 | 0.00 | 26660.25 | 26660.25 | 1 | 5 | |
32 | 8266.27 | 8741.16 | 0.00 | 0.00 | 17007.43 | 17007.43 | 1 | 5 | |
33 | 9374.99 | 8039.99 | 0.00 | 0.00 | 17414.98 | 17414.98 | 1 | 5 | |
34 | 24189.16 | 0.00 | 0.00 | 0.00 | 24189.16 | 24189.16 | 1 | 5 | |
35 | 12340.84 | 19044.05 | 0.00 | 0.00 | 31384.89 | 31384.89 | 1 | 5 | |
36 | 13033.63 | 0.00 | 0.00 | 0.00 | 13033.63 | 13033.63 | 1 | 5 | |
37 | 8183.79 | 10147.03 | 0.00 | 0.00 | 18330.82 | 18330.82 | 1 | 5 | |
38 | 14043.92 | 6258.34 | 0.00 | 0.00 | 20302.26 | 20302.26 | 1 | 5 | |
39 | 22916.67 | 1.00 | 0.00 | 0.00 | 22917.67 | 22917.67 | 1 | 5 | |
40 | 12979.58 | 0.00 | 12979.58 | 12979.58 | 1 | 4 | |||
41 | 16848.00 | 0.00 | 16848.00 | 16848.00 | 1 | 5 | |||
42 | 29166.66 | 0.00 | 29166.66 | 29166.66 | 1 | 5 | |||
43 | 14150.00 | 0.00 | 14150.00 | 14150.00 | 1 | 5 | |||
44 | 28143.08 | 0.00 | 0.00 | 0.00 | 28143.08 | 28143.08 | 1 | 5 | |
45 | 9999.99 | 0.00 | 11857.78 | 0.00 | 9999.99 | 21857.77 | 1 | 5 | |
46 | 11571.29 | 33091.12 | 11571.29 | 44662.41 | 1 | 5 | |||
47 | 5625.00 | 17499.99 | 0.00 | 0.00 | 23124.99 | 23124.99 | 1 | 5 | |
48 | 13905.84 | 0.00 | 0.00 | 0.00 | 13905.84 | 13905.84 | 1 | 5 | |
49 | 21394.37 | 0.00 | 0.00 | 0.00 | 21394.37 | 21394.37 | 1 | 5 | |
50 | 8691.00 | 14745.84 | 0.00 | 0.00 | 23436.84 | 23436.84 | 1 | 5 |
109 | 110 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | |
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 | |
1 | 3 | 4 | 907459.67 | 5107.14 | 0.180417 | |||||
2 | 3 | 4 | 36935.73 | 4173.81 | 0.168465 | |||||
3 | 3 | 4 | 123927.86 | 9965.40 | 0.330885 | |||||
4 | 3 | 4 | 108674.87 | 3556.12 | 0.255389 | |||||
5 | 3 | 4 | 718153.35 | 6486.93 | 0.149809 | |||||
6 | 3 | 4 | 88406.42 | 9003.73 | 0.192922 | |||||
7 | 3 | 4 | 8141123.80 | 14815.91 | 0.114497 | |||||
8 | 3 | 4 | 1055578.97 | 18123.52 | 0.183089 | |||||
9 | 3 | 4 | 176499.68 | 6330.92 | 0.442930 | |||||
10 | 3 | 4 | 202544.45 | 5749.41 | 0.431785 | |||||
11 | 3 | 4 | 287750.39 | 8203.41 | 0.369699 | |||||
12 | 3 | 4 | 556666.72 | 7967.42 | 0.356152 | |||||
13 | 3 | 4 | 267822.29 | 10178.64 | 0.310704 | |||||
14 | 3 | 4 | 128663.85 | 6494.90 | 0.443610 | |||||
15 | 3 | 4 | 38421.67 | 6098.41 | 0.190639 | |||||
16 | 3 | 4 | 300476.36 | 5894.89 | 0.238982 | |||||
17 | 3 | 4 | 151568.39 | 7365.49 | 0.313488 | |||||
18 | 3 | 4 | 400051.72 | 6215.57 | 0.360323 | |||||
19 | 3 | 4 | 124230.17 | 5728.97 | 0.441819 | |||||
20 | 3 | 4 | 398865.75 | 12368.67 | 0.219817 | |||||
21 | 3 | 4 | 2974658.96 | 10174.46 | 0.445955 | |||||
22 | 3 | 4 | 321800.67 | 6162.74 | 0.377586 | |||||
23 | 3 | 4 | 270026.16 | 12294.29 | 0.395349 | |||||
24 | 3 | 4 | 53992.87 | 4355.59 | 0.246543 | |||||
25 | 3 | 4 | 137122.47 | 6183.27 | 0.194620 | |||||
26 | 3 | 4 | 1201262.87 | 6020.58 | 0.343102 | |||||
27 | 3 | 4 | 2061741.76 | 7030.14 | 0.434907 | |||||
28 | 3 | 4 | 56347.15 | 8177.32 | 0.351272 | |||||
29 | 3 | 4 | 228411.04 | 10043.97 | 0.330173 | |||||
30 | 3 | 4 | 117622.98 | 5310.40 | 0.278279 | |||||
31 | 3 | 4 | 1161619.23 | 4596.12 | 0.172396 | |||||
32 | 3 | 4 | 68029.33 | 5249.45 | 0.308656 | |||||
33 | 3 | 4 | 124742.11 | 7208.16 | 0.413906 | |||||
34 | 3 | 4 | 128952.75 | 8338.70 | 0.344729 | |||||
35 | 3 | 4 | 108725.78 | 8202.63 | 0.261356 | |||||
36 | 3 | 4 | 348283.67 | 3507.23 | 0.269091 | |||||
37 | 3 | 4 | 207847.86 | 3986.24 | 0.217461 | |||||
38 | 3 | 4 | 170227.98 | 6465.05 | 0.318440 | |||||
39 | 3 | 4 | 102844.46 | 4661.18 | 0.203388 | |||||
40 | 3 | 4 | 203197.31 | 5400.30 | 0.416061 | |||||
41 | 3 | 4 | 90861.08 | 6387.25 | 0.379110 | |||||
42 | 3 | 4 | 492765.70 | 9253.68 | 0.317269 | |||||
43 | 3 | 4 | 373114.82 | 4615.63 | 0.326193 | |||||
44 | 3 | 4 | 298162.41 | 12434.06 | 0.441816 | |||||
45 | 3 | 4 | 76471.41 | 5650.41 | 0.258508 | |||||
46 | 3 | 4 | 248895.12 | 4819.34 | 0.107906 | |||||
47 | 3 | 4 | 193376.38 | 9824.26 | 0.424833 | |||||
48 | 3 | 4 | 52238.32 | 4806.90 | 0.345675 | |||||
49 | 3 | 4 | 123190.17 | 6373.43 | 0.297902 | |||||
50 | 3 | 4 | 61350.48 | 3890.09 | 0.165982 |
119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | |
Percentage of Down Payment from Borrower Own Funds |
City | State | Postal Code | Property Type | Occupancy | Sales Price | Original Appraised Property Value |
Original Property Valuation Type |
Original Property Valuation Date | |
1 | XXXX XXXX XXXX | XX | 00000 | 7 | 1 | 1350000.00 | 3 | 20120816 | ||
2 | XXXXXXXXXX | XX | 00000 | 7 | 1 | 766000.00 | 3 | 20120901 | ||
3 | XXXXXXXXX | XX | 00000 | 7 | 1 | 1180000.00 | 3 | 20120820 | ||
4 | XXXXX XXXXXXXX | XX | 00000 | 7 | 1 | 704600.00 | 690000.00 | 98 | 20120910 | |
5 | XXXXXXXX XXXX | XX | 00000 | 1 | 2 | 852000.00 | 3 | 20120913 | ||
6 | XXXXXX | XX | 00000 | 1 | 1 | 1175000.00 | 1220000.00 | 3 | 20121005 | |
7 | XXXXXXXXX | XX | 00000 | 1 | 1 | 1800000.00 | 1800000.00 | 3 | 20120928 | |
8 | XXXX | XX | 00000 | 1 | 1 | 2840000.00 | 3 | 20121002 | ||
9 | XXXXXXXXXXXX | XX | 00000 | 1 | 1 | 620000.00 | 3 | 20121009 | ||
10 | XXXXXX | XX | 00000 | 1 | 1 | 925000.00 | 3 | 20120928 | ||
11 | XXXXXXXX | XX | 00000 | 1 | 1 | 1195000.00 | 1195000.00 | 3 | 20121017 | |
00 | XXXX XX XXXXX | XX | 00000 | 7 | 2 | 770000.00 | 825000.00 | 3 | 20121017 | |
13 | XXXXXXXX | XX | 00000 | 1 | 1 | 1200000.00 | 1200000.00 | 3 | 20121014 | |
14 | XXXXX | XX | 00000 | 1 | 1 | 1450000.00 | 98 | 20120526 | ||
15 | XXXXXXXXXXXX | XX | 00000 | 7 | 1 | 1150000.00 | 3 | 20120822 | ||
16 | XXXXX XXXX | XX | 00000 | 1 | 1 | 1105000.00 | 3 | 20120828 | ||
17 | XXXXXXXX XXXX | XX | 00000 | 1 | 1 | 942000.00 | 3 | 20121002 | ||
18 | XXXXXXX | XX | 00000 | 1 | 1 | 1470000.00 | 3 | 20120908 | ||
19 | XXXXX XXXXXX | XX | 00000 | 1 | 1 | 1450000.00 | 3 | 20120924 | ||
20 | XXXXXXXXXX XXXXX | XX | 00000 | 7 | 1 | 2300000.00 | 3 | 20121022 | ||
21 | XXXXXX | XX | 00000 | 7 | 1 | 3800000.00 | 3 | 20121005 | ||
22 | XXXXXXX XXXXXX | XX | 00000 | 1 | 1 | 955500.00 | 3 | 20120925 | ||
23 | XXXXXXXXXXX | XX | 00000 | 1 | 1 | 1350000.00 | 3 | 20120914 | ||
24 | XXXXXX | XX | 00000 | 1 | 1 | 875000.00 | 3 | 20120920 | ||
25 | XXXXXXX | XX | 00000 | 1 | 1 | 1150000.00 | 3 | 20121003 | ||
26 | XXXXXX XXXXX | XX | 00000 | 7 | 1 | 1315000.00 | 3 | 20120926 | ||
27 | 100.000000 | INDIAN XXXXX | XX | 00000 | 7 | 1 | 910000.00 | 950000.00 | 3 | 20121003 |
28 | XXXXXXXXX XXXXX | XX | 00000 | 7 | 1 | 1295000.00 | 3 | 20120910 | ||
29 | XXXXXX | XX | 00000 | 7 | 1 | 1550000.00 | 3 | 20121009 | ||
30 | XXX XXXXXXXX | XX | 00000 | 1 | 1 | 1200000.00 | 3 | 20121004 | ||
31 | XXXXXXXXX | XX | 00000 | 7 | 1 | 1500000.00 | 3 | 20121031 | ||
32 | XXXXXXXXXX | XX | 00000 | 1 | 1 | 1000000.00 | 3 | 20121026 | ||
33 | 100.000000 | XXXXXXXX XXXXXX | XX | 00000 | 1 | 1 | 980000.00 | 980000.00 | 3 | 00000000 |
34 | XXXXXXX | XX | 00000 | 1 | 1 | 0000000.00 | 3 | 20121019 | ||
00 | XXX XXXX XXXXXXXXXX | XX | 00000 | 7 | 1 | 1065000.00 | 3 | 20121015 | ||
36 | XXXXXX XXXXX | XX | 00000 | 7 | 1 | 975000.00 | 3 | 20121101 | ||
37 | XXX XXXXXXX | XX | 00000 | 1 | 1 | 1800000.00 | 3 | 20121019 | ||
38 | 100.000000 | XXXXX XXXXXX | XX | 00000 | 1 | 1 | 900000.00 | 900000.00 | 3 | 20121020 |
39 | 100.000000 | XXXXXXXXX | XX | 00000 | 1 | 1 | 860000.00 | 870000.00 | 3 | 20121109 |
40 | 100.000000 | XXXXXX | XX | 00000 | 1 | 1 | 1447500.00 | 1455000.00 | 3 | 20121024 |
41 | XXXXXXXX | XX | 00000 | 1 | 1 | 1250000.00 | 3 | 20121020 | ||
00 | XXXXXX XXXXX XXXXXX | XX | 00000 | 1 | 1 | 1225000.00 | 3 | 20121023 | ||
43 | XXX XXXXX | XX | 00000 | 7 | 1 | 925000.00 | 3 | 20121027 | ||
44 | 100.000000 | XXXXXX XXXX | XX | 00000 | 1 | 1 | 2650000.00 | 2650000.00 | 3 | 20121121 |
00 | XXX XXXXXX | XX | 00000 | 1 | 1 | 1100000.00 | 3 | 20121026 | ||
46 | XXXXXX | XX | 00000 | 7 | 1 | 1050000.00 | 3 | 20121003 | ||
47 | 45.053700 | XXXXXXX XXXXX | XX | 00000 | 1 | 1 | 1420000.00 | 1420000.00 | 3 | 20121030 |
48 | XXXXXX | XX | 00000 | 1 | 1 | 809000.00 | 3 | 20121103 | ||
00 | XXX XXXXX | XX | 00000 | 1 | 1 | 1200000.00 | 3 | 20121031 | ||
50 | 100.000000 | XXXXXXXXXX | XX | 00000 | 1 | 1 | 755000.00 | 775000.00 | 3 | 20121106 |
129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | |
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 | 0.668800 | 0.520700 | 0 | |||||||
2 | 0.783200 | 0.783200 | 0 | |||||||
3 | 0.635500 | 0.635500 | 0 | |||||||
4 | 0.800000 | 0.800000 | 0 | |||||||
5 | 0.617300 | 0.617300 | 0 | |||||||
6 | 0.800000 | 0.800000 | 0 | |||||||
7 | 0.500000 | 0.500000 | 0 | |||||||
8 | 0.700000 | 0.700000 | 0 | |||||||
9 | 0.772500 | 0.772500 | 0 | |||||||
10 | 0.741600 | 0.741600 | 0 | |||||||
11 | 0.583900 | 0.583900 | 0 | |||||||
12 | 0.750000 | 0.750000 | 0 | |||||||
13 | 0.800000 | 0.800000 | 0 | |||||||
14 | 0.565300 | 0.565300 | 0 | |||||||
15 | 0.800000 | 0.730400 | 0 | |||||||
16 | 0.800000 | 0.800000 | 0 | |||||||
17 | 0.737100 | 0.737100 | 0 | |||||||
18 | 0.714200 | 0.714200 | 0 | |||||||
19 | 0.533700 | 0.533700 | 0 | |||||||
20 | 0.434700 | 0.434700 | 0 | |||||||
21 | 0.433600 | 0.302000 | 0 | |||||||
22 | 0.650000 | 0.650000 | 0 | |||||||
23 | 0.705100 | 0.601400 | 0 | |||||||
24 | 0.784000 | 0.784000 | 0 | |||||||
25 | 0.750000 | 0.750000 | 0 | |||||||
26 | 0.792300 | 0.568000 | 0 | |||||||
27 | 0.700000 | 0.700000 | 0 | |||||||
28 | 0.728200 | 0.728200 | 0 | |||||||
29 | 0.744100 | 0.744100 | 0 | |||||||
30 | 0.595800 | 0.595800 | 0 | |||||||
31 | 0.443300 | 0.443300 | 0 | |||||||
32 | 0.665000 | 0.665000 | 0 | |||||||
33 | 0.700000 | 0.700000 | 0 | |||||||
34 | 0.514500 | 0.514500 | 0 | |||||||
35 | 0.800000 | 0.800000 | 0 | |||||||
36 | 0.653300 | 0.653300 | 0 | |||||||
37 | 0.395500 | 0.395500 | 0 | |||||||
38 | 0.700000 | 0.700000 | 0 | |||||||
39 | 0.800000 | 0.800000 | 0 | |||||||
40 | 0.750000 | 0.750000 | 0 | |||||||
41 | 0.800000 | 0.800000 | 0 | |||||||
42 | 0.675900 | 0.675900 | 0 | |||||||
43 | 0.749700 | 0.749700 | 0 | |||||||
44 | 0.700000 | 0.700000 | 0 | |||||||
45 | 0.733600 | 0.688100 | 0 | |||||||
46 | 0.516100 | 0.516100 | 0 | |||||||
47 | 0.647800 | 0.647800 | 0 | |||||||
48 | 0.568600 | 0.568600 | 0 | |||||||
49 | 0.709200 | 0.605000 | 0 | |||||||
50 | 0.800000 | 0.800000 | 0 |
139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | |
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 | |
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 |
148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | |
Total Capitalized Amount |
Total Deferred Amount |
Pre-Modification Interest (Note) Rate |
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 | |
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48 | ||||||||||
49 | ||||||||||
50 |
000 | 000 | 000 | 161 | 162 | 163 | 164 | |
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) | |
1 | 30.25 | 200000.00 | 20421101 | 28307.42 | |||
2 | 23 | 25 | 20421201 | 13609.95 | |||
3 | 20 | 16 | 20421201 | 30117.42 | |||
4 | 11 | 6 | 20421201 | 2371.03 | |||
5 | 25 | 20421101 | 43301.37 | ||||
6 | 6 | 6 | 20421101 | 9496.32 | |||
7 | 20 | 20421201 | 129400 | ||||
8 | 19.25 | 20421101 | 35416.68 | ||||
9 | 30.75 | 20421101 | 12360.4 | ||||
10 | 20 | 20421201 | 13315.45 | ||||
11 | 16 | 12 | 20421201 | 12500 | |||
12 | 8 | 24 | 20421201 | 11587.5 | |||
13 | 12.5 | 0.75 | 20421201 | 19759.92 | |||
14 | 0 | 0 | 20421201 | 0 | |||
15 | 10 | 7 | 80000 | 20421101 | 20248.67 | ||
16 | 26.25 | 0 | 20421101 | 24666.68 | |||
17 | 12.5 | 0 | 20271201 | 12802.42 | |||
18 | 12 | 0 | 20430101 | 17250 | |||
19 | 20 | 5 | 0 | 20421101 | 10951.2 | ||
20 | 24 | 0 | 20421201 | 37084.92 | |||
21 | 33 | 187350 | 20421201 | 22815 | |||
22 | 13 | 9 | 0 | 20421201 | 16321.41 | ||
23 | 28 | 93752 | 20421201 | 31097.32 | |||
24 | 15 | 0 | 20421101 | 17666.67 | |||
25 | 6 | 8 | 0 | 20421201 | 16258.08 | ||
26 | 35 | 295000 | 20421201 | 17547.49 | |||
27 | 0 | 0 | 20421201 | 3164.7 | |||
28 | 12.75 | 0 | 20421201 | 23279.17 | |||
29 | 5 | 0 | 20421201 | 30420.33 | |||
30 | 13.25 | 6 | 0 | 20421201 | 11166.34 | ||
31 | 10 | 0 | 20421201 | 26660.25 | |||
32 | 8.25 | 15 | 0 | 20421201 | 8266.27 | ||
33 | 18 | 18 | 0 | 20421101 | 9374.99 | ||
34 | 16.25 | 0 | 20421201 | 24189.16 | |||
35 | 6 | 5 | 0 | 20421201 | 12340.84 | ||
36 | 23.25 | 0 | 20421201 | 13033.63 | |||
37 | 0 | 8 | 0 | 20421201 | 8183.79 | ||
38 | 12 | 12 | 0 | 20421201 | 14043.92 | ||
39 | 7 | 12 | 0 | 20421201 | 22916.67 | ||
40 | 12 | 0 | 20421201 | 12979.58 | |||
41 | 24.75 | 0 | 20421201 | 16848 | |||
42 | 17 | 0 | 20430101 | 29166.66 | |||
43 | 35 | 0 | 20421201 | 14150 | |||
44 | 15 | 0 | 20430101 | 28143.08 | |||
45 | 19 | 50000 | 20430101 | 9999.99 | |||
46 | 20 | 0 | 20421201 | 11571.29 | |||
47 | 4 | 4 | 0.00 | 20421201 | 5625 | ||
48 | 25 | 0 | 20430101 | 13905.84 | |||
49 | 16 | 24985 | 20430101 | 21394.37 | |||
50 | 15 | 15 | 0 | 20421201 | 8691 |
165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | |
Primary Borrower Wage Income (Bonus) | 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 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
2 | 0 | 0 | 11165.59 | 0 | 0 | Full | Two Years | Two Months |
3 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
4 | 5126.57 | 0 | 6426.74 | 0 | 0 | Full | Two Years | Two Months |
5 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
6 | 0 | 0 | 37174.01 | 0 | 0 | Full | Two Years | Two Months |
7 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
8 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
9 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
10 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
11 | 0 | 0 | 9689.42 | 0 | 0 | Full | Two Years | Two Months |
12 | 0 | 0 | 10783.33 | 0 | 0 | Full | Two Years | Two Months |
13 | 0 | 13000 | 0 | 0 | 0 | Full | Two Years | Two Months |
14 | 0 | 0 | 2299.9 | 0 | 0 | Full | Two Years | Two Months |
15 | 0 | 0 | 11740.64 | 0 | 0 | Full | Two Years | Two Months |
16 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
17 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
18 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
19 | 388.24 | 0 | 1627.33 | 0 | 0 | Full | Two Years | Two Months |
20 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
21 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
22 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
23 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
24 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
25 | 0 | 0 | 15512.92 | 0 | 0 | Full | Two Years | Two Months |
26 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
27 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
28 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
29 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
30 | 0 | 0 | 7916.67 | 0 | 0 | Full | Two Years | Two Months |
31 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
32 | 0 | 0 | 8741.16 | 0 | 0 | Full | Two Years | Two Months |
33 | 0 | 0 | 8039.99 | 0 | 0 | Full | Two Years | Two Months |
34 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
35 | 0 | 0 | 19044.05 | 0 | 0 | Full | Two Years | Two Months |
36 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
37 | 0 | 0 | 10147.03 | 0 | 0 | Full | Two Years | Two Months |
38 | 0 | 0 | 6258.34 | 0 | 0 | Full | Two Years | Two Months |
39 | 0 | 0 | 1 | 0 | 0 | Full | Two Years | Two Months |
40 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
41 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
42 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
43 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
44 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
45 | 11857.78 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
46 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
47 | 0 | 0 | 17499.99 | 0 | 0 | Full | Two Years | Two Months |
48 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
49 | 0 | 0 | 0 | 0 | 0 | Full | Two Years | Two Months |
50 | 0 | 0 | 14745.84 | 0 | 0 | Full | Two Years | Two Months |
ATTACHMENT 2
PURCHASE AGREEMENT
Refer to Exhibit 10.5 to Form 8-K filed by the
Issuing Entity on January 29, 2013