ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT

EXHIBIT 10.6

EXECUTION COPY


THIS ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated as of January 27, 2012 (the “Assignment”), is entered into among Redwood Residential Acquisition Corporation (the “Assignor”), Sequoia Residential Funding, Inc. (the “Depositor”), Select Portfolio Servicing, Inc., as the servicer (the “Servicer”), DLJ Mortgage Capital, Inc. (the “Servicing Rights Purchaser”) and U.S. Bank National 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 January 1, 2012 (the “Pooling and Servicing Agreement”), among the Depositor, the Assignee and Xxxxx Fargo Bank, N.A., as master servicer and securities administrator.
 
RECITALS

WHEREAS, the Assignor, the Servicing Rights Purchaser and the Servicer have entered into a certain Flow Mortgage Loan Servicing Rights Sale and Servicing Agreement, dated as of May 5, 2011 (as amended, supplemented, or otherwise modified, the “Flow Sale and Servicing Agreement”), and the Servicer is currently servicing certain mortgage loans (the “Mortgage Loans”) under the Flow Sale and Servicing Agreement; and
 
WHEREAS, the Assignor will sell the Mortgage Loans (the “Specified Mortgage Loans”) which are listed on the mortgage loan schedule attached as Exhibit I hereto (the “Specified Mortgage Loan Schedule”) and its rights under the Flow Sale and 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 Sale and 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 Sale and 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 Sale and 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 Sale and 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 Sale and Servicing Agreement) to the extent relating to the Specified Mortgage Loans, the Depositor is released from all obligations under the Flow Sale and Servicing Agreement, and the Assignee hereby accepts such assignment from the Depositor and assumes such obligations.
 
(c)           Assignee agrees to be bound, as “Owner” (as such term is defined in the Flow Sale and Servicing Agreement), by all of the terms, covenants and conditions of the Flow Sale and 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 assumed by the Assignee.
 
2.
Recognition of the Assignee.
 
From and after the date hereof, subject to Section 3 below, the Servicer and Servicing Rights Purchaser 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 Sale and Servicing Agreement (as amended hereby) with the Assignee as the Owner thereunder, the terms of which Flow Sale and 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 sections of the Flow Sale and Servicing Agreement listed below:
 
 
Flow Sale and 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 Sale and Servicing Agreement listed below:

 
2
 

 
Flow Sale and 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 Sale and Servicing Agreement referred to above and under the following sections, at the times therein specified:
 
 
Flow Sale and 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 that are to be exercised by the Controlling Holder pursuant to Section 3(a) shall be exercised by Assignee.
 
4.
Amendment to the Flow Sale and Servicing Agreement.
 
The Flow Sale and Servicing Agreement is hereby amended as set forth in Appendix A hereto with respect to the Specified Mortgage Loans.  The rights under the Flow Sale and Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Sale and 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).

 
3
 

6.
Continuing Effect.
 
Except as contemplated hereby, the Flow Sale and 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 Sale and 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 Sale and Servicing Agreement to be made to the Assignor and Assignee shall be made in accordance with the terms of the Flow Sale and Servicing Agreement and shall be sent to the Assignor and Assignee as follows:
 
Assignor:  Redwood Residential Acquisition Corporation
Xxx Xxxxxxxxx Xxxxx, Xxxxx 000
Xxxx Xxxxxx, XX  00000
Attention: Xxxxxxx Xxxxxxx

Assignee:  U.S. Bank National Association
00 Xxxxxxxxxx Xxxxxx
XX-XX-XX0X
Xx. Xxxx, Xxxxxxxxx, 00000
Attention: Structured Finance – Sequoia Mortgage Loan Trust 2012-1
 
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 Sale and 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 Sale and Servicing Agreement.

 
4
 
 
11.
Master Servicer.
 
The Servicer hereby acknowledges that the Assignee has appointed Xxxxx Fargo Bank, N.A. (the “Master Servicer”) to 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 Sale and Servicing Agreement, including, without limitation, the right to enforce the obligations of the Servicer thereunder.  Any notices or other communications permitted or required under the Flow Sale and Servicing Agreement to be made to the Assignee shall be made in accordance with the terms of the Flow Sale and Servicing Agreement and shall be sent to the Master Servicer at the following address:
 
Xxxxx Fargo Bank, N. A.
X.X. Xxx 00
Xxxxxxxx, Xxxxxxxx 00000
(or, for overnight deliveries, 0000 Xxx Xxxxxxxxx Xxxx, Xxxxxxxx, Xxxxxxxx  00000)
Email: xxxxx-xxx-xxxx-x-0@xxxxxxxxxx.xxx

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 Sale and 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 Sale and Servicing Agreement, as they relate to the Specified Mortgage Loans, to the Master Servicer by wire transfer of immediately funds to:
 
Xxxxx Fargo Bank, N.A.
San Francisco, California
ABA# 000-000-000
Account #0000000000
Account Name: SAS Clearing
FFC: Account #0000000, Sequoia Mortgage Trust 2012-1 Distribution Account

 
5
 

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 xxxx00x0xxxxxxxxxxxxxxxxxxx@xxxxxxxxxx.xxx, with a subject reference of “SEMT 2012-1” 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 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 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 Sale and 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 Sale and 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]

 
6
 

IN WITNESS WHEREOF, the parties hereto have executed this Assignment the day and year first above written.
 
 
ASSIGNOR:
 
REDWOOD RESIDENTIAL ACQUISITION CORPORATION
       
 
By:
/s/ Xxxx Xxxxxxxxxxx
  
 
Name:
Xxxx Xxxxxxxxxxx
  
 
Title:
Authorized Officer
  
       
 
DEPOSITOR:
 
SEQUOIA RESIDENTIAL FUNDING, INC.
       
 
By:
/s/ Xxxx Xxxxxxxxxxx
  
 
Name:
Xxxx Xxxxxxxxxxx
  
 
Title:
Authorized Officer
  
       
 
ASSIGNEE:
 
U.S. BANK NATIONAL ASSOCIATION, not in its individual capacity but solely as Trustee
       
 
By:
/s/ Xxxxxx Xxxxxxx-Xxxx
  
 
Name:
Xxxxxx Xxxxxxx-Xxxx
  
 
Title:
Vice President
  
       
 
SERVICER:
 
SELECT PORTFOLIO SERVICING, INC.
       
 
By:
/s/ Xxxxxx Xxxxx
  
 
Name:
Xxxxxx Xxxxx
  
 
Title:
 SVP   

 
7
 
 
 
SERVICING RIGHTS PURCHASER:
 
DLJ MORTGAGE CAPITAL, INC.
       
 
By:
/s/ Xxxxxxx Xxxxxxxxxx
  
 
Name:
Xxxxxxx Xxxxxxxxxx
  
 
Title:
Vice President
  
 
Accepted and agreed to by:
 
MASTER SERVICER:
 
XXXXX FARGO BANK, N.A.
 
By:
/s/ Xxxxxx X. Xxxxxxx
  
Name:
Xxxxxx X. Xxxxxxx
  
Title:
Vice President
  

 
8
 

EXHIBIT I
 
 

 
I-1
 

key
Primary Servicer
Servicing
Fee %
Servicing Fee—Flatdollar
Servicing Advance Methodology
Originator
Loan Group
Loan Number
Servicer Number
Amortization Type
Lien Position
HELOC Indicator
Loan Purpose
1
1000938
0.002500
    
1000312
2
1300000980
1077215
1
1
0
7
2
1000938
0.002500
    
1000536
2
1050001057
2135601557
1
1
0
7
3
1000938
0.002500
    
1000536
2
0000000000
3624700942
1
1
0
9
4
1000938
0.002500
    
1000536
1
1050000663
2027601803
2
1
0
7
5
1000938
0.002500
    
1000536
2
1050001065
2168600339
1
1
0
7
6
1000938
0.002500
    
1000536
1
1050001087
2028607129
1
1
0
9
7
1000938
0.002500
    
1000536
1
1050001007
3006613221
2
1
0
9
8
1000938
0.002500
    
1000536
2
1050000977
2036605744
1
1
0
9
9
1000938
0.002500
    
1000536
1
1050001098
3602601402
2
1
0
9
10
1000938
0.002500
    
1000536
2
1050001086
2027602127
1
1
0
7
11
1000938
0.002500
    
1000536
2
1050000900
2135601691
1
1
0
7
12
1000938
0.002500
    
1000536
2
1050000905
2198600346
1
1
0
7
13
1000938
0.002500
    
1000536
2
1050001101
0000000000
1
1
0
7
14
1000938
0.002500
    
1000536
2
0000000000
3006613329
1
1
0
7
15
1000938
0.002500
    
1000536
2
1050001011
3721600135
1
1
0
7
16
1000938
0.002500
    
1000536
2
1050000970
2088700361
1
1
0
9
17
1000938
0.002500
    
1000536
2
1050000967
2036605817
1
1
0
7
18
1000938
0.002500
    
1000536
1
1050000773
2131700638
2
1
0
7
19
1000938
0.002500
    
1000536
1
1050000786
2027601961
2
1
0
7
20
1000938
0.002500
    
1000536
2
1050000808
2073603307
1
1
0
9
21
1000938
0.002500
    
1000536
1
1050001090
2273600002
1
1
0
9
22
1000938
0.002500
    
1000536
1
1050000992
2028606980
2
1
0
7
23
1000938
0.002500
    
1000536
2
1050000882
0000000000
1
1
0
9
24
1000938
0.002500
    
1001863
2
1000001033
225955
1
1
0
7
25
1000938
0.002500
    
1000312
2
1300000953
1042394
1
1
0
7
26
1000938
0.002500
    
1000536
2
1050001045
2253600055
1
1
0
7
27
1000938
0.002500
    
1000536
1
1050001066
2027602116
2
1
0
7
28
1000938
0.002500
    
1000536
1
1050001070
3092605524
2
1
0
9
29
1000938
0.002500
    
1000536
2
1050001023
1083602358
1
1
0
7
30
1000938
0.002500
    
1000312
2
1300001077
1076716
1
1
0
9
31
1000938
0.002500
    
1000536
2
1050001044
2088700451
1
1
0
7
32
1000938
0.002500
    
1000536
2
1050000975
2204600190
1
1
0
7
33
1000938
0.002500
    
1000312
1
1300000942
1075123
2
1
0
7
34
1000938
0.002500
    
1000536
2
1050000941
2027602080
1
1
0
7
35
1000938
0.002500
    
1000536
2
1050001036
2027602115
1
1
0
7
36
1000938
0.002500
    
1000536
2
1050000893
2001707491
1
1
0
9
37
1000938
0.002500
    
1000536
1
1050000809
3006612518
2
1
0
7
38
1000938
0.002500
    
1000536
2
1050001111
3670600488
1
1
0
7
39
1000938
0.002500
    
1000536
2
1050001010
2097600762
1
1
0
9
40
1000938
0.002500
    
1000536
2
1050000861
3006612846
1
1
0
7
41
1000938
0.002500
    
1000536
2
1050000982
3650602060
1
1
0
7
42
1000938
0.002500
    
1000536
1
0000000000
20631100115
2
1
0
7
43
1000938
0.002500
    
1001863
2
1000001034
201316
1
1
0
7
44
1000938
0.002500
    
1001863
2
0000000000
225304
1
1
0
9
45
1000938
0.002500
    
1000536
2
1050000947
2244701095
1
1
0
7
46
1000938
0.002500
    
1000536
2
1050000836
2003602264
1
1
0
9
47
1000938
0.002500
    
1000536
2
1050000911
2141600122
1
1
0
9
48
1000938
0.002500
    
1001863
2
1000000964
225746
1
1
0
7
49
1000938
0.002500
    
1000536
1
1050001089
2210600429
1
1
0
9
50
1000938
0.002500
    
1000536
2
1050000903
2073603486
1
1
0
7
51
1000938
0.002500
    
1000536
2
1050001040
20171100351
1
1
0
7
52
1000938
0.002500
    
1000536
2
1050000924
2123700490
1
1
0
9
53
1000938
0.002500
    
1000536
2
1050001099
2125602741
1
1
0
9
54
1000938
0.002500
    
1000536
2
1050000989
3602601382
1
1
0
9
55
1000938
0.002500
    
1000536
2
0000000000
2238600305
1
1
0
9
56
1000938
0.002500
    
1001863
2
1000000926
226182
1
1
0
7
57
1000938
0.002500
    
1000536
2
1050000940
7000603545
1
1
0
7
58
1000938
0.002500
    
1000536
2
1050000892
2051601528
1
1
0
7
59
1000938
0.002500
    
1000536
2
1050000986
2051601611
1
1
0
7
60
1000938
0.002500
    
1000536
1
1050001079
3602601390
1
1
0
9
61
1000938
0.002500
    
1000536
2
1050000994
2001708537
1
1
0
7
62
1000938
0.002500
    
1000536
2
1050001058
2001708593
1
1
0
9
63
1000938
0.002500
    
1001863
1
1000000886
222782
2
1
0
7
64
1000938
0.002500
    
1000536
1
0000000000
2198600319
2
1
0
7
65
1000938
0.002500
    
1000536
2
1050000810
2001708071
1
1
0
9
66
1000938
0.002500
    
1000536
2
1050001128
3726600150
1
1
0
9
67
1000938
0.002500
    
1000536
2
0000000000
2198600334
1
1
0
7
68
1000938
0.002500
    
1001863
2
1000001043
223089
1
1
0
7
69
1000938
0.002500
    
1000536
1
1050000790
2083600913
2
1
0
7
70
1000938
0.002500
    
1000312
1
1300001120
001080213
1
1
0
9
71
1000938
0.002500
    
1001863
2
1000000969
225401
1
1
0
7
72
1000938
0.002500
    
1000536
2
1050001112
2248600040
1
1
0
7
73
1000938
0.002500
    
1000536
1
0000000000
3612601111
1
1
0
9
74
1000938
0.002500
    
1000536
2
0000000000
2036605864
1
1
0
7
75
1000938
0.002500
    
1000536
1
1050001004
3627601196
2
1
0
7
76
1000938
0.002500
    
1000536
2
1050000922
2027602067
1
1
0
9
77
1000938
0.002500
    
1000536
2
1050000781
2153601079
1
1
0
9
78
1000938
0.002500
    
1000536
1
1050001026
3726600027
2
1
0
9
79
1000938
0.002500
    
1000536
2
1050001110
2154601123
1
1
0
7
80
1000938
0.002500
    
1000536
2
1050000944
0000000000
1
1
0
7
81
1000938
0.002500
    
1000312
2
1300000978
1073668
1
1
0
9
 
key
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
Hybrid Period of
Most Senior Lien (in
months)
Neg Am Limit of
Most Senior Lien
Junior Mortgage
Balance
1
          
1
4
0
      
0.00
2
          
1
4
0
      
0.00
3
          
1
0
0
      
0.00
4
          
1
4
0
      
0.00
5
          
1
0
0
      
200000.00
6
          
1
0
0
      
0.00
7
          
1
0
0
      
0.00
8
          
1
4
0
      
0.00
9
          
1
0
0
      
0.00
10
          
1
0
0
      
0.00
11
          
1
0
0
      
0.00
12
          
1
4
0
      
0.00
13
          
1
4
0
      
0.00
14
          
1
4
0
      
0.00
15
          
1
4
0
      
0.00
16
          
1
0
0
      
0.00
17
          
1
4
0
      
0.00
18
          
1
4
0
      
0.00
19
          
1
0
0
      
0.00
20
          
1
4
0
      
0.00
21
          
1
0
0
      
0.00
22
          
1
0
0
      
0.00
23
          
1
0
0
      
0.00
24
          
1
4
0
      
0.00
25
          
1
0
0
      
0.00
26
          
1
0
0
      
0.00
27
          
1
4
0
      
0.00
28
          
1
0
0
      
0.00
29
          
1
0
0
      
0.00
30
          
1
4
0
      
0.00
31
          
1
4
0
      
0.00
32
          
1
0
0
      
0.00
33
          
1
4
0
      
0.00
34
          
1
0
0
      
0.00
35
          
1
0
0
      
0.00
36
          
1
0
0
      
0.00
37
          
1
0
0
      
0.00
38
          
1
4
0
      
0.00
39
          
1
0
0
      
450000.00
40
          
1
0
0
      
0.00
41
          
1
0
0
      
0.00
42
          
1
0
0
      
0.00
43
          
1
4
0
      
0.00
44
          
1
4
0
      
0.00
45
          
1
0
0
      
0.00
46
          
1
4
0
      
0.00
47
          
1
0
0
      
0.00
48
          
1
4
0
      
0.00
49
          
1
4
0
      
0.00
50
          
1
0
0
      
0.00
51
          
1
0
0
      
0.00
52
          
1
4
0
      
0.00
53
          
1
4
0
      
0.00
54
          
1
0
0
      
0.00
55
          
1
0
0
      
0.00
56
          
1
4
0
      
0.00
57
          
1
4
0
      
0.00
58
          
1
0
0
      
0.00
59
          
1
0
0
      
0.00
60
          
1
0
0
      
0.00
61
          
1
0
0
      
0.00
62
          
1
0
0
      
0.00
63
          
1
4
0
      
0.00
64
          
1
4
0
      
0.00
65
          
1
0
0
      
0.00
66
          
1
0
0
      
0.00
67
          
1
4
0
      
0.00
68
          
1
4
0
      
0.00
69
          
1
4
0
      
0.00
70
          
1
0
0
      
400000.00
71
          
1
4
0
      
0.00
72
          
1
0
0
      
0.00
73
          
1
0
0
      
0.00
74
          
1
4
0
      
0.00
75
          
1
0
0
      
0.00
76
          
1
0
0
      
0.00
77
          
1
4
0
      
300000.00
78
          
1
0
0
      
0.00
79
          
1
0
0
      
0.00
80
          
1
4
0
      
0.00
81
          
1
0
0
      
0.00
 
key
Origination Date of
Most Senior Lien
Origination Date
Original Loan
Amount
Original Interest
Rate
Original
Amortization Term
Original Term to
Maturity
First Payment Date
of Loan
Interest Type
Indicator
Original Interest
Only Term
Buy Down Period
HELOC Draw Period
Current Loan
Amount
1
  
20110728
850000.00
0.048750
360
360
20110901
1
0
0
  
844731.66
2
  
20110527
600000.00
0.052500
360
360
20110701
1
0
0
  
595118.77
3
  
20110725
457500.00
0.045000
360
360
20110901
1
0
0
  
454465.01
4
  
20110421
460000.00
0.041250
360
360
20110601
1
0
0
  
454752.06
5
  
20110809
475000.00
0.045000
360
360
20111001
1
0
0
  
471481.10
6
  
20110825
477000.00
0.038750
180
180
20111001
1
0
0
  
462128.97
7
  
20110801
484850.00
0.042500
360
360
20111001
1
0
0
  
482163.80
8
  
20110727
491500.00
0.052500
360
360
20110901
1
0
0
  
488656.39
9
  
20110815
503000.00
0.033750
360
360
20111001
1
0
0
  
485467.89
10
  
20110812
500000.00
0.047500
360
360
20111001
1
0
0
  
497468.74
11
  
20110610
506000.00
0.048750
360
360
20110801
1
0
0
  
502228.88
12
  
20110725
508000.00
0.048750
360
360
20110901
1
0
0
  
504851.37
13
  
20110811
525000.00
0.050000
360
360
20111001
1
0
0
  
522460.94
14
  
20110907
527600.00
0.048750
360
360
20111101
1
0
0
  
525645.91
15
  
20110721
549350.00
0.046250
360
360
20110901
1
0
0
  
545786.93
16
  
20110719
550000.00
0.051250
360
360
20110901
1
0
0
  
546743.70
17
  
20110801
552800.00
0.052500
360
360
20111001
1
0
0
  
550246.99
18
  
20110429
560000.00
0.042500
360
360
20110601
1
0
0
  
553750.73
19
  
20110518
570000.00
0.042500
360
360
20110701
1
0
0
  
564444.08
20
  
20110613
572000.00
0.052500
360
360
20110801
1
0
0
  
568020.03
21
  
20110823
574950.00
0.037500
180
180
20111001
1
0
0
  
565367.39
22
  
20110727
575250.00
0.045000
360
360
20110901
1
0
0
  
571433.88
23
  
20110624
600000.00
0.050000
360
360
20110801
1
0
0
  
590852.31
24
  
20110805
600000.00
0.050000
360
360
20111001
1
0
0
  
596571.53
25
  
20110727
604000.00
0.052500
360
360
20110901
1
0
0
  
600446.23
26
  
20110811
608100.00
0.046250
360
360
20111001
1
0
0
  
604950.80
27
  
20110824
610000.00
0.031250
360
360
20111001
1
0
0
  
605885.77
28
  
20110725
620000.00
0.042500
360
360
20110901
1
0
0
  
613691.57
29
  
20110815
624000.00
0.050000
360
360
20111001
1
0
0
  
619974.79
30
  
20110824
626000.00
0.050000
360
360
20111001
1
0
0
  
622972.47
31
  
20110721
650000.00
0.048750
360
360
20110901
1
0
0
  
645971.28
32
  
20110803
650436.00
0.052500
360
360
20111001
1
0
0
  
647432.07
33
  
20110701
656000.00
0.045000
360
360
20110801
1
0
0
  
650768.01
34
  
20110711
657200.00
0.048750
360
360
20110901
1
0
0
  
653126.62
35
  
20110725
663750.00
0.046250
360
360
20110901
1
0
0
  
659444.95
36
  
20110630
667000.00
0.051250
360
360
20110801
1
0
0
  
660945.17
37
  
20110429
682950.00
0.041250
360
360
20110601
1
0
0
  
675158.51
38
  
20110808
680000.00
0.053750
360
360
20111001
1
0
0
  
676931.59
39
  
20110826
687050.00
0.048750
360
360
20111001
1
0
0
  
683650.19
40
  
20110527
700000.00
0.051250
360
360
20110701
1
0
0
  
694172.98
41
  
20110729
700000.00
0.052500
360
360
20110901
1
0
0
  
695950.08
42
  
20110527
703200.00
0.050000
360
360
20110701
1
0
0
  
697211.04
43
  
20110808
738500.00
0.048750
360
360
20111001
1
0
0
  
734845.63
44
  
20110706
750000.00
0.051250
360
360
20110901
1
0
0
  
745559.60
45
  
20110701
760000.00
0.052500
360
360
20110801
1
0
0
  
754711.95
46
  
20110623
800000.00
0.051250
360
360
20110801
1
0
0
  
794304.10
47
  
20110623
814000.00
0.051250
360
360
20110801
1
0
0
  
808204.47
48
  
20110711
812800.00
0.048750
360
360
20110901
1
0
0
  
807762.23
49
  
20110909
822000.00
0.042500
180
180
20111101
1
0
0
  
812147.75
50
  
20110630
826000.00
0.048750
360
360
20110801
1
0
0
  
819843.98
51
  
20110805
828000.00
0.050000
360
360
20111001
1
0
0
  
823995.53
52
  
20110718
839000.00
0.048750
360
360
20110901
1
0
0
  
832724.81
53
  
20110818
839600.00
0.042500
360
360
20111001
1
0
0
  
834948.38
54
  
20110801
841900.00
0.048750
360
360
20110901
1
0
0
  
836681.86
55
  
20110815
850000.00
0.052500
360
360
20111001
1
0
0
  
846074.41
56
  
20110721
864500.00
0.050000
360
360
20110901
1
0
0
  
859333.09
57
  
20110629
892500.00
0.052500
360
360
20110801
1
0
0
  
886290.03
58
  
20110613
900000.00
0.051250
360
360
20110801
1
0
0
  
893592.14
59
  
20110803
900000.00
0.048750
360
360
20111001
1
0
0
  
895546.47
60
  
20110826
920000.00
0.042500
180
180
20111001
1
0
0
  
905271.47
61
  
20110725
930000.00
0.050000
360
360
20110901
1
0
0
  
924366.04
62
  
20110802
929800.00
0.046250
360
360
20111001
1
0
0
  
924984.78
63
  
20110623
956000.00
0.045000
360
360
20110801
1
0
0
  
948344.70
64
  
20110603
956000.00
0.040000
360
360
20110801
1
0
0
  
947666.29
65
  
20110620
956000.00
0.050000
360
360
20110801
1
0
0
  
949035.75
66
  
20110825
959000.00
0.051250
360
360
20111001
1
0
0
  
954467.46
67
  
20110706
980000.00
0.050000
360
360
20110901
1
0
0
  
974063.15
68
  
20110801
990000.00
0.048750
360
360
20111001
1
0
0
  
985101.11
69
  
20110517
996000.00
0.048750
360
360
20110701
1
0
0
  
986315.05
70
  
20110916
1000000.00
0.040000
180
180
20111101
1
0
0
  
987768.68
71
  
20110719
1000000.00
0.048750
360
360
20110901
1
0
0
  
993801.94
72
  
20110825
1000000.00
0.050000
360
360
20111001
1
0
0
  
995163.66
73
  
20110720
1022300.00
0.040000
180
180
20110901
1
0
0
  
1000383.59
74
  
20110808
1060000.00
0.050000
360
360
20111001
1
0
0
  
1054873.50
75
  
20110728
1065000.00
0.040000
360
360
20110901
1
0
0
  
1057276.32
76
  
20110725
1100000.00
0.050000
360
360
20110901
1
0
0
  
1093336.17
77
  
20110527
1111500.00
0.052500
360
360
20110701
1
0
0
  
1102457.52
78
  
20110726
1220800.00
0.038750
360
360
20110901
1
0
0
  
1211749.32
79
  
20110822
1275750.00
0.048750
360
360
20111001
1
0
0
  
1269436.81
80
  
20110805
1282500.00
0.047500
360
360
20111001
1
0
0
  
1274794.94
81
  
20110805
1458000.00
0.051250
360
360
20111001
1
0
0
  
1451109.02
 
key
Current Interest
Rate
Current Payment
Amount Due
Interest Paid
Through Date
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)
1
0.048750
4498.27
20120101
0
0
              
2
0.052500
3313.22
20120101
0
0
              
3
0.045000
2318.09
20120101
0
0
              
4
0.041250
2229.39
20120101
0
39
45
0.022500
3
0.001250
60
0.050000
0.050000
5
0.045000
2406.76
20120101
0
0
              
6
0.038750
3498.51
20120101
0
0
              
7
0.042500
2385.17
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
8
0.052500
2714.08
20120101
0
0
              
9
0.033750
2223.74
20120101
0
39
45
0.022500
3
0.001250
60
0.050000
0.050000
10
0.047500
2608.24
20120101
0
0
              
11
0.048750
2677.79
20120101
0
0
              
12
0.048750
2688.38
20120101
0
0
              
13
0.050000
2818.31
20120101
0
0
              
14
0.048750
2792.10
20120101
0
0
              
15
0.046250
2824.43
20120101
0
0
              
16
0.051250
2994.68
20120101
0
0
              
17
0.052500
3052.58
20120101
0
0
              
18
0.042500
2754.86
20120101
0
39
45
0.022500
3
0.001250
60
0.050000
0.050000
19
0.042500
2804.06
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
20
0.052500
3158.61
20120101
0
0
              
21
0.037500
4181.17
20120101
0
0
              
22
0.045000
2914.71
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
23
0.050000
3220.93
20120101
0
0
              
24
0.050000
3220.93
20120101
0
0
              
25
0.052500
3335.31
20120101
0
0
              
26
0.046250
3126.48
20120101
0
0
              
27
0.031250
2613.09
20120101
0
39
45
0.022500
3
0.001250
60
0.050000
0.050000
28
0.042500
3050.03
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
29
0.050000
3349.77
20120101
0
0
              
30
0.050000
3360.50
20120101
0
0
              
31
0.048750
3439.85
20120101
0
0
              
32
0.052500
3591.73
20120101
0
0
              
33
0.045000
3323.86
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
34
0.048750
3477.96
20120101
0
0
              
35
0.046250
3412.60
20120101
0
0
              
36
0.051250
3631.73
20120101
0
0
              
37
0.041250
3309.92
20120101
0
39
45
0.022500
3
0.001250
60
0.050000
0.050000
38
0.053750
3807.80
20120101
0
0
              
39
0.048750
3635.93
20120101
0
0
              
40
0.051250
3811.41
20120101
0
0
              
41
0.052500
3865.43
20120101
0
0
              
42
0.050000
3774.93
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
43
0.048750
3908.20
20120101
0
0
              
44
0.051250
4083.65
20120101
0
0
              
45
0.052500
4196.75
20120101
0
0
              
46
0.051250
4355.90
20120101
0
0
              
47
0.051250
4432.12
20120101
0
0
              
48
0.048750
4301.40
20120101
0
0
              
49
0.042500
6183.73
20120101
0
0
              
50
0.048750
4371.26
20120101
0
0
              
51
0.050000
4444.88
20120101
0
0
              
52
0.048750
4440.06
20120101
0
0
              
53
0.042500
4130.33
20120101
0
0
              
54
0.048750
4455.40
20120101
0
0
              
55
0.052500
4693.73
20120101
0
0
              
56
0.050000
4640.82
20120101
0
0
              
57
0.052500
4928.42
20120101
0
0
              
58
0.051250
4900.38
20120101
0
0
              
59
0.048750
4762.87
20120101
0
0
              
60
0.042500
6920.96
20120101
0
0
              
61
0.050000
4992.44
20120101
0
0
              
62
0.046250
4780.47
20120101
0
0
              
63
0.045000
4843.91
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
64
0.040000
4564.09
20120101
0
39
45
0.022500
3
0.001250
60
0.050000
0.050000
65
0.050000
5132.01
20120101
0
0
              
66
0.051250
5221.63
20120101
0
0
              
67
0.050000
5260.85
20120101
0
0
              
68
0.048750
5239.16
20120101
0
0
              
69
0.048750
5270.91
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
70
0.040000
7396.88
20120101
0
0
              
71
0.048750
5292.08
20120101
0
0
              
72
0.050000
5368.22
20120101
0
0
              
73
0.040000
7561.83
20120101
0
0
              
74
0.050000
5690.31
20120101
0
0
              
75
0.040000
5084.47
20120101
0
39
45
0.022500
3
0.001250
120
0.050000
0.050000
76
0.050000
5905.04
20120101
0
0
              
77
0.052500
6137.74
20120101
0
0
              
78
0.038750
5740.65
20120101
0
39
45
0.022500
3
0.001250
60
0.050000
0.050000
79
0.048750
6751.37
20120101
0
0
              
80
0.047500
6690.13
20120101
0
0
              
81
0.051250
7938.62
20120101
0
0
              
 
key
Subsequent Interest
Rate Reset Period
Subsequent Interest
Rate Cap (Change Down)
Subsequent Interest
Rate Cap (Change
Up)
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
1
                        
2
                        
3
                        
4
12
0.020000
0.020000
0.091250
0.022500
              
5
                        
6
                        
7
12
0.020000
0.020000
0.092500
0.022500
              
8
                        
9
12
0.020000
0.020000
0.083750
0.022500
              
10
                        
11
                        
12
                        
13
                        
14
                        
15
                        
16
                        
17
                        
18
12
0.020000
0.020000
0.092500
0.022500
              
19
12
0.020000
0.020000
0.092500
0.022500
              
20
                        
21
                        
22
12
0.020000
0.020000
0.095000
0.022500
              
23
                        
24
                        
25
                        
26
                        
27
12
0.020000
0.020000
0.081250
0.022500
              
28
12
0.020000
0.020000
0.092500
0.022500
              
29
                        
30
                        
31
                        
32
                        
33
12
0.020000
0.020000
0.095000
0.022500
              
34
                        
35
                        
36
                        
37
12
0.020000
0.020000
0.091250
0.022500
              
38
                        
39
                        
40
                        
41
                        
42
6
0.020000
0.020000
0.100000
0.022500
              
43
                        
44
                        
45
                        
46
                        
47
                        
48
                        
49
                        
50
                        
51
                        
52
                        
53
                        
54
                        
55
                        
56
                        
57
                        
58
                        
59
                        
60
                        
61
                        
62
                        
63
12
0.020000
0.020000
0.095000
0.027500
              
64
12
0.020000
0.020000
0.090000
0.022500
              
65
                        
66
                        
67
                        
68
                        
69
12
0.020000
0.020000
0.098750
0.022500
              
70
                        
71
                        
72
                        
73
                        
74
                        
75
12
0.020000
0.020000
0.090000
0.022500
              
76
                        
77
                        
78
12
0.020000
0.020000
0.088750
0.022500
              
79
                        
80
                        
81
                        
 
key
Initial Minimum
Payment Reset
Period
Subsequent
Minimum Payment
Reset Period
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
          
0
  
279
3
2
    
0
          
0
  
197
1
3
    
0
          
0
  
119
1
4
    
0
          
0
  
292
2
5
    
0
          
0
  
155
3
6
    
0
          
0
  
255
1
7
    
0
          
0
  
259
1
8
    
0
          
0
  
302
1
9
    
0
          
0
  
49
1
10
    
0
          
0
  
65
2
11
    
0
          
0
  
230
2
12
    
0
          
0
  
146
2
13
    
0
          
0
  
295
2
14
    
0
          
0
  
206
1
15
    
0
          
0
  
294
1
16
    
0
          
0
  
405
1
17
    
0
          
0
  
243
1
18
    
0
          
0
  
192
2
19
    
0
          
0
  
281
1
20
    
0
          
0
  
19
1
21
    
0
          
0
  
151
1
22
    
0
          
0
  
245
2
23
    
0
          
0
  
68
1
24
    
0
          
0
  
307
2
25
    
0
          
0
  
156
2
26
    
0
          
0
  
244
1
27
    
0
          
0
  
13
2
28
    
0
          
0
  
145
1
29
    
0
          
0
  
251
3
30
    
0
          
0
  
201
1
31
    
0
          
0
  
261
4
32
    
0
          
0
  
138
1
33
    
0
          
0
  
185
2
34
    
0
          
0
  
85
3
35
    
0
          
0
  
271
1
36
    
0
          
0
  
250
1
37
    
0
          
0
  
247
2
38
    
0
          
0
  
431
2
39
    
0
          
0
  
187
1
40
    
0
          
0
  
275
1
41
    
0
          
0
  
101
2
42
    
0
          
0
  
257
1
43
    
0
          
0
  
316
2
44
    
0
          
0
  
425
1
45
    
0
          
0
  
112
2
46
    
0
          
0
  
246
1
47
    
0
          
0
  
258
2
48
    
0
          
0
  
235
2
49
    
0
          
0
  
236
2
50
    
0
          
0
  
440
1
51
    
0
          
0
  
165
1
52
    
0
          
0
  
122
1
53
    
0
          
0
  
263
4
54
    
0
          
0
  
272
1
55
    
0
          
0
  
211
1
56
    
0
          
0
  
309
3
57
    
0
          
0
  
92
4
58
    
0
          
0
  
106
1
59
    
0
          
0
  
133
2
60
    
0
          
0
  
210
1
61
    
0
          
0
  
232
2
62
    
0
          
0
  
267
1
63
    
0
          
0
  
143
2
64
    
0
          
0
  
229
2
65
    
0
          
0
  
438
1
66
    
0
          
0
  
252
1
67
    
0
          
0
  
108
2
68
    
0
          
0
  
439
1
69
    
0
          
0
  
264
3
70
    
0
          
0
  
184
1
71
    
0
          
0
  
348
3
72
    
0
          
0
  
311
2
73
    
0
          
0
  
269
4
74
    
0
          
0
  
310
2
75
    
0
          
0
  
284
2
76
    
0
          
0
  
299
1
77
    
0
          
0
  
330
1
78
    
0
          
0
  
282
2
79
    
0
          
0
  
370
1
80
    
0
          
0
  
20
2
81
    
0
          
0
  
319
2
 
key
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
Primary Wage
Earner Original
FICO: TransUnion
Secondary Wage
Earner Original
FICO: Equifax
1
  
0
  
8
  
0
1
20111205
        
2
  
0
  
6.1
  
0
1
20111205
        
3
  
0
  
1
  
1
1
20111205
        
4
  
0
  
0.2
  
0
1
20111025
        
5
  
0
  
1
  
0
1
          
6
  
1
  
9
9
4
1
          
7
  
0
  
8.1
5
9
1
          
8
  
0
  
7.1
  
13
1
20111205
        
9
  
1
  
16
  
3
1
          
10
  
0
  
0.4
  
0
1
          
11
  
0
  
20
  
0
1
20111205
        
12
  
0
  
16.5
  
0
1
20111205
        
13
  
1
  
5
  
0
1
          
14
  
1
  
9
  
0
1
          
15
  
0
  
0.7
5
0
1
20111205
        
16
  
0
  
2.1
18
11
1
20111205
        
17
  
0
  
0.92
  
0
1
          
18
  
0
  
19
  
0
1
20111025
        
19
  
0
  
10
  
0
1
20111205
        
20
  
0
  
5
11
20
1
20111205
        
21
  
1
  
5.83
  
15
1
          
22
  
0
  
36.5
  
0
1
20111205
        
23
  
1
  
21
  
5
1
20111205
        
24
  
0
  
1
1
0
1
          
25
  
0
  
8
3
0
1
20111205
        
26
  
1
  
18
  
0
1
          
27
  
0
  
0.1
  
0
1
          
28
  
0
  
22.6
  
5
1
20111205
        
29
  
1
  
11
6
0
1
          
30
  
0
  
5
  
4
1
          
31
  
1
  
3.25
  
0
1
20111205
        
32
  
1
  
10
  
0
1
          
33
  
0
  
11
1
0
1
20111205
        
34
  
0
  
23.2
  
0
1
20111205
        
35
  
0
  
14
  
0
1
20111205
        
36
  
0
  
17
  
3
1
20111205
        
37
  
0
  
1.8
5
0
1
20111025
        
38
  
0
  
0.2
  
0
1
          
39
  
1
  
32.08
  
12
1
          
40
  
0
  
8.8
  
0
1
20111205
        
41
  
1
  
9
  
0
1
20111205
        
42
  
1
  
2.42
  
0
1
20111205
        
43
  
0
  
5.7
  
0
1
          
44
  
1
  
16.75
  
4
1
20111205
        
45
  
0
  
0
  
0
1
20111205
        
46
  
0
  
24.5
  
9
1
20111205
        
47
  
0
  
4
  
3
1
20111205
        
48
  
0
  
10
  
0
1
20111205
        
49
  
1
  
21
  
5
1
          
50
  
0
  
1.4
  
0
1
20111205
        
51
  
0
  
9
  
0
1
          
52
  
0
  
16
  
6
1
20111205
        
53
  
0
  
16
  
1
1
          
54
  
0
  
27.5
  
2
1
          
55
  
0
  
3
  
3
1
          
56
  
0
  
12.5
  
0
1
20111205
        
57
  
1
  
9
  
0
1
20111205
        
58
  
0
  
0.1
  
0
1
20111205
        
59
  
0
  
7.5
5
0
1
          
60
  
1
  
5
  
3
1
          
61
  
0
  
21
  
0
1
20111205
        
62
  
0
  
15.5
  
7
1
          
63
  
0
  
14.3
1
0
1
20111205
        
64
  
0
  
0.1
  
0
1
20111205
        
65
  
1
  
11
  
5
1
20111205
        
66
  
1
  
3.9
  
8
1
          
67
  
0
  
17
  
0
1
20111205
        
68
  
0
  
0.9
  
0
1
          
69
  
1
  
12
  
0
1
20111205
        
70
  
0
  
30
  
12
1
          
71
  
1
  
0.1
  
0
1
20111205
        
72
  
0
  
8.6
  
0
1
          
73
  
1
  
18.67
  
3
1
20111205
        
74
  
0
  
1.5
4
0
1
          
75
  
0
  
16.17
  
0
1
20111205
        
76
  
1
  
9.42
  
9
1
20111205
        
77
  
1
  
21
  
4
1
20111205
        
78
  
1
  
2.67
  
16
1
20111205
        
79
  
0
  
9.1
10
0
1
          
80
  
0
  
0.01
  
0
1
          
81
  
1
  
10
  
1
1
          
 
key
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
Most Recent
VantageScore
Method
VantageScore Date
Credit Report:
Longest Trade Line
Credit Report:
Maximum Trade
Line
1
    
778
785
  
3
            
2
    
762
758
  
3
            
3
    
742
770
  
3
            
4
    
735
743
  
3
            
5
    
731
                  
6
    
772
                  
7
    
786
                  
8
    
777
793
  
3
            
9
    
807
                  
10
    
762
                  
11
    
783
764
  
3
            
12
    
789
784
  
3
            
13
    
764
                  
14
    
770
                  
15
    
791
787
  
3
            
16
    
789
785
  
3
            
17
    
753
                  
18
    
736
746
  
3
            
19
    
778
807
  
3
            
20
    
724
743
  
3
            
21
    
783
                  
22
    
781
787
  
3
            
23
    
759
759
  
3
            
24
    
781
                  
25
    
779
782
  
3
            
26
    
791
                  
27
    
778
                  
28
    
796
796
  
3
            
29
    
733
                  
30
    
798
                  
31
    
766
741
  
3
            
32
    
766
                  
33
    
795
784
  
3
            
34
    
796
804
  
3
            
35
    
751
758
  
3
            
36
    
780
778
  
3
            
37
    
726
686
  
3
            
38
    
759
                  
39
    
769
                  
40
    
758
760
  
3
            
41
    
801
788
  
3
            
42
    
749
763
  
3
            
43
    
783
                  
44
    
783
759
  
3
            
45
    
749
790
  
3
            
46
    
799
808
  
3
            
47
    
767
755
  
3
            
48
    
761
737
  
3
            
49
    
796
                  
50
    
764
796
  
3
            
51
    
781
                  
52
    
796
805
  
3
            
53
    
767
                  
54
    
815
                  
55
    
775
                  
56
    
791
783
  
3
            
57
    
713
729
  
3
            
58
    
761
788
  
3
            
59
    
766
                  
60
    
781
                  
61
    
804
790
  
3
            
62
    
787
                  
63
    
792
786
  
3
            
64
    
804
788
  
3
            
65
    
763
761
  
3
            
66
    
738
                  
67
    
746
750
  
3
            
68
    
783
                  
69
    
786
783
  
3
            
70
    
787
                  
71
    
776
766
  
3
            
72
    
799
                  
73
    
780
790
  
3
            
74
    
736
                  
75
    
803
796
  
3
            
76
    
782
787
  
3
            
77
    
714
712
  
3
            
78
    
768
766
  
3
            
79
    
791
                  
80
    
760
                  
81
    
785
                  
 
key
Credit Report:
Number of Trade
Lines
Credit Line Usage
Ratio
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
4506-T Indicator
1
    
000000000000
    
25000
  
9583.33
  
25000
34583.33
1
2
    
000000000000
    
17850
  
0
  
17850
17850
1
3
    
000000000000
    
10081.13
  
0
  
10081.13
10081.13
1
4
    
000000000000
    
15834
  
0
  
15834
15834
1
5
    
000000000000
    
22208.33
  
8333.33
  
22208.33
30541.66
1
6
    
000000000000
    
28976
4697
0
0
33673
33673
1
7
    
000000000000
    
14862
10379
0
0
25240.53
25240.53
1
8
    
000000000000
    
14875
  
0
  
14875
14875
1
9
    
000000000000
    
4204.17
2992
7581
0
7195.84
14776.84
1
10
    
000000000000
    
14583.34
  
-122.5
  
14583.34
14460.84
1
11
    
000000000000
    
16666.65
  
0
  
16666.65
16666.65
1
12
    
000000000000
    
15000
  
-261
  
15000
14739
1
13
    
000000000000
    
0
  
23873
  
0
23873
1
14
    
000000000000
    
14023.67
  
0
  
14023.67
14023.67
1
15
    
000000000000
    
9564
4932
0
-112
14496
14384
1
16
    
000000000000
    
0
3905
14973
0
3905
18878
1
17
    
000000000000
    
17358
0
-1356.37
-337
17358
15664.63
1
18
    
000000000000
    
31834
  
0
  
31834
31834
1
19
    
000000000000
    
14521.68
  
6483
  
14521.68
21004.68
1
20
    
000000000000
    
14583.34
4208
671.11
0
18791.69
19462.8
1
21
    
000000000000
    
2125
0
12235.16
4477
2125
18837.44
1
22
    
000000000000
    
17675
  
3497
  
17675
21172
1
23
    
000000000000
    
22216
  
425
  
22216
22641
1
24
    
000000000000
    
23000
3250
-56.42
0
26249.6
26193.18
1
25
    
000000000000
    
13000
8333
0
0
21333.33
21333.33
1
26
    
000000000000
    
17657
  
0
  
17657
17657
1
27
    
000000000000
    
17500
0
0
0
17500
17500
1
28
    
000000000000
    
20083.33
  
0
  
20083.33
20083.33
1
29
    
000000000000
    
14583.83
7994
10072.08
0
22578.17
32650.25
1
30
    
000000000000
    
15000
  
9571
  
15000
24571
1
31
    
000000000000
    
21476
  
771
  
21476
22247
1
32
    
000000000000
    
18607
  
0
  
18607
18607
1
33
    
000000000000
    
0
18749
12032
0
18749
30781
1
34
    
000000000000
    
18833.34
  
24259.8
  
18833.34
43093.14
1
35
    
000000000000
    
14908
  
5022
  
14908
19930
1
36
    
000000000000
    
15875
  
-1427
  
15875
14448
1
37
    
000000000000
    
15000
16467
-647
0
31467
30820
1
38
    
000000000000
    
29166.67
  
0
  
29166.67
29166.67
1
39
    
000000000000
    
0
  
33359
  
0
33359
1
40
    
000000000000
    
4410
  
20716
  
4410
25126
1
41
    
000000000000
    
15822.04
  
0
  
15822.04
15822.04
1
42
    
000000000000
    
0
0
14926
1875
0
16801
0
43
    
000000000000
    
23322.42
0
0
0
23322.42
23322.42
1
44
    
000000000000
    
11792
1271
3721
0
13063
16784
1
45
    
000000000000
    
20833
  
-757
  
20833
20076
1
46
    
000000000000
    
34527
  
0
  
34527
34527
1
47
    
000000000000
    
16666.66
  
21351.29
  
16666.66
38017.95
1
48
    
000000000000
    
18333.33
  
0
  
18333.33
18333.33
1
49
    
000000000000
    
18750
  
-143.25
  
18750
18606.75
1
50
    
000000000000
    
21875
  
0
  
21875
21875
1
51
    
000000000000
    
18750.01
  
-106.42
  
18750.01
18643.59
1
52
    
000000000000
    
12000
  
9645.05
  
12000
21645.05
1
53
    
000000000000
    
0
  
24417.83
  
0
24417.83
1
54
    
000000000000
    
16291.68
  
0
  
16291.68
16291.68
1
55
    
000000000000
    
26265
  
0
  
26265
26265
1
56
    
000000000000
    
41925
  
0
  
41925
41925
1
57
    
000000000000
    
96744
  
0
  
96744
96744
1
58
    
000000000000
    
19000
  
0
  
19000
19000
1
59
    
000000000000
    
14145.74
11359
6412
0
25504.27
31916.27
1
60
    
000000000000
    
36060
  
0
  
36060
36060
1
61
    
000000000000
    
17063.28
11667
3755.25
420
28730.28
32905.53
1
62
    
000000000000
    
29166.66
  
0
  
29166.66
29166.66
1
63
    
000000000000
    
14583.34
  
18089.17
  
14583.34
32672.51
1
64
    
000000000000
    
29165.59
  
0
  
29165.59
29165.59
1
65
    
000000000000
    
216921
  
0
  
216921
216921
1
66
    
000000000000
    
12076.13
25320
0
0
37396.13
37396.13
1
67
    
000000000000
    
23000
  
0
  
23000
23000
1
68
    
000000000000
    
31666.68
  
0
  
31666.68
31666.68
1
69
    
000000000000
    
17083
  
49991
  
17083
67074
1
70
    
000000000000
    
60000
  
0
  
60000
60000
1
71
    
000000000000
    
44583.33
  
0
  
44583.33
44583.33
1
72
    
000000000000
    
0
  
36788
  
0
36788
1
73
    
000000000000
    
120000
  
0
  
120000
120000
1
74
    
000000000000
    
0
5417
10950
10927
5416.67
27293.67
1
75
    
000000000000
    
18750
  
15595
  
18750
34345
1
76
    
000000000000
    
29655
  
-20
  
29655
29635
1
77
    
000000000000
    
89927
  
0
  
89927
89927
1
78
    
000000000000
    
64156
  
-3441
  
64156
60715
1
79
    
000000000000
    
5833.34
10000
21698
0
15833.34
37531.34
1
80
    
000000000000
    
20616.66
  
12500
  
20616.66
33116.66
0
81
    
000000000000
    
17491
  
44837.96
  
17491
62328.96
1
 
key
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
5
  
3
  
4
  
280977.59
6607.72
0.3211370
    
100
2
5
  
3
  
4
  
67845.85
2701.18
0.3369410
    
100
3
5
  
3
  
4
  
150727.38
2214.40
0.4496010
    
0
4
5
  
3
  
4
  
52115.08
1911.49
0.2615180
    
100
5
5
  
3
  
4
  
1282389.79
8628.89
0.3613310
    
100
6
5
  
3
  
4
  
35179.94
3425.30
0.2056190
    
0
7
5
  
3
  
4
  
140598.99
4042.08
0.2546400
    
0
8
5
  
3
  
4
  
114625.62
1464.78
0.2809320
    
0
9
5
  
3
  
4
  
1547020.09
2521.92
0.3211550
    
0
10
5
  
3
  
4
  
217950.73
2377.55
0.3447790
    
100
11
5
  
3
  
4
  
32002.48
4457.85
0.4281390
    
100
12
5
  
3
  
4
  
26032.92
2506.82
0.3524800
    
100
13
5
  
3
  
4
  
566480.15
1440.44
0.1783920
    
100
14
5
  
3
  
4
  
90218.86
1375.80
0.2972050
    
100
15
5
  
3
  
4
  
206528.35
1568.56
0.3054080
    
100
16
5
  
3
  
4
  
81183.86
1613.14
0.2440840
    
0
17
5
  
3
  
4
  
168866.12
974.30
0.2570680
    
0
18
5
  
3
  
4
  
175079.56
2532.32
0.1660860
    
100
19
5
  
3
  
4
  
693552.66
2118.66
0.2343630
    
100
20
5
  
3
  
4
  
39798.11
2732.33
0.3026770
    
0
21
5
  
3
  
4
  
387184.58
5403.00
0.5087830
    
0
22
5
  
3
  
4
  
247995.79
6274.13
0.4340090
    
100
23
5
  
3
  
4
  
305701.07
2661.81
0.2598270
      
24
5
  
3
  
4
  
36785.06
3829.23
0.2691600
    
100
25
5
  
3
  
4
  
192540.05
5106.27
0.3956990
    
100
26
5
  
3
  
4
  
111691.56
4085.20
0.4084320
    
100
27
5
  
3
  
4
  
253287.54
4831.06
0.4253800
    
100
28
5
  
3
  
4
  
191833.13
3308.61
0.3166130
    
0
29
5
  
3
  
4
  
50985.89
10492.47
0.4239550
    
100
30
5
  
3
  
4
  
80924.61
1929.00
0.2152740
    
0
31
5
  
3
  
4
  
100868.55
7508.97
0.4921480
    
100
32
4
  
3
  
4
  
44982.27
1180.15
0.2564560
    
100
33
5
  
3
  
4
  
153163.89
6954.87
0.3339310
    
100
34
5
  
3
  
3
  
293960.88
7751.90
0.2605950
    
100
35
5
  
3
  
4
  
108910.74
3926.42
0.3682400
    
100
36
5
  
3
  
4
  
95127.78
1259.29
0.3385260
    
100
37
5
  
3
  
4
  
310544.55
7170.30
0.3400460
    
100
38
5
  
3
  
4
  
81648.26
8867.16
0.4345700
    
17.35
39
5
  
3
  
4
  
50286.67
11410.25
0.4510380
    
0
40
5
  
3
  
4
  
1045423.81
4910.85
0.3471410
    
100
41
4
  
3
  
4
  
135267.05
2142.89
0.3797440
    
100
42
4
  
3
  
4
  
253135.66
3030.57
0.4050650
    
100
43
5
  
3
  
4
  
573373.71
4069.65
0.3420680
    
12.83
44
5
  
3
  
4
  
468393.4
1550.65
0.3356950
    
0
45
5
  
3
  
4
  
88729.66
6312.49
0.5234730
    
100
46
5
  
3
  
3
  
1504995.52
2208.99
0.1901380
    
0
47
5
  
3
  
4
  
121931.72
4838.48
0.2438480
    
0
48
5
  
3
  
4
  
138214.71
2366.58
0.3637080
    
100
49
5
  
3
  
4
  
71195.23
1114.36
0.3922280
    
0
50
5
  
3
  
4
  
52031.9
1954.16
0.2891620
    
100
51
5
  
3
  
4
  
121488.59
1804.47
0.3352010
    
100
52
5
  
3
  
4
  
150180.1
2359.15
0.3141230
    
0
53
5
  
3
  
4
  
43131.7
1193.03
0.2180110
    
0
54
5
  
3
  
4
  
334780.27
3013.41
0.4584430
      
55
5
  
3
  
4
  
82746.65
2634.63
0.2790160
    
0
56
5
  
3
  
4
  
141604.87
4379.01
0.2151420
    
100
57
5
  
3
  
4
  
564682.18
10626.18
0.1607810
    
100
58
5
  
3
  
4
  
414553.25
1735.54
0.3492590
    
100
59
5
  
3
  
4
  
1572098.55
7773.55
0.3927910
    
100
60
5
  
3
  
4
  
126310.45
3507.30
0.2891920
    
0
61
5
  
3
  
4
  
2382600.49
8712.84
0.4165040
    
100
62
5
  
3
  
3
  
393929.95
5677.53
0.3585600
    
0
63
5
  
3
  
4
  
157342.53
4639.38
0.2902530
    
100
64
5
  
3
  
4
  
116748.66
6953.49
0.3949030
    
100
65
5
  
3
  
4
  
4332546.5
8869.37
0.0645460
    
0
66
5
  
3
  
4
  
79670.28
5154.30
0.2774600
    
0
67
5
  
3
  
4
  
161151.88
2313.05
0.3293000
    
100
68
5
  
3
  
4
  
904418.98
5868.21
0.3507590
    
100
69
4
  
3
  
4
  
96588.41
15184.31
0.3049650
    
87.95
70
5
  
3
  
4
  
11890171.42
8460.58
0.2642910
    
0
71
5
  
3
  
4
  
162243.86
7653.58
0.2903700
    
100
72
5
  
3
  
4
  
870977.57
9493.32
0.4039780
    
100
73
5
  
3
  
4
  
1259608.08
11229.21
0.1565920
    
0
74
5
  
3
  
4
  
171928.31
5718.94
0.4180180
    
100
75
5
  
3
  
4
  
250968.26
8746.54
0.4027080
    
100
76
5
  
3
  
4
  
1267231.12
2061.26
0.2688140
    
0
77
5
  
3
  
4
  
872922.67
12264.38
0.2046340
    
0
78
5
  
3
  
4
  
112385.58
7877.30
0.2242930
    
0
79
5
  
3
  
4
  
1213579.22
2310.72
0.2414540
    
100
80
5
  
3
  
4
  
728541.48
5638.37
0.3722750
    
100
81
5
  
3
  
4
  
318121.14
10431.72
0.2947320
    
0
 
key
City
State
Postal Code
Property Type
Occupancy
Sales Price
Original Appraised
Property Value
Original Property
Valuation Type
Original Property
Valuation Date
Original Automated
Valuation Model
(AVM) Model Name
Original AVM
Confidence Score
Most Recent
Property Value2
1
CREDIT XXXXX
XX
00000
1
1
1625000.00
1650000.00
3
20110706
      
2
XXXXXXXXX
XX
00000
7
1
750000.00
765000.00
3
20110516
      
3
XXXXXXX XXXXX
XX
00000
7
1
  
840000.00
3
20110706
      
0
XXXXX XXXX
XX
00000
1
1
575000.00
682100.00
3
20110415
      
5
XXXXXXX
XX
00000
7
1
900000.00
900000.00
3
20110722
      
6
XXXXXXXXXX
XX
00000
7
1
  
1000000.00
3
20110730
      
7
XXXXXXXXXX XXXX
XX
00000
1
1
  
1350000.00
3
20110713
      
8
XXXXXXXXXX
XX
00000
1
1
  
765000.00
3
20110715
      
9
XXXXXX
XX
00000
1
1
  
860000.00
3
20110726
      
00
XXXX XXXXX
XX
00000
7
1
625000.00
640000.00
3
20110722
      
00
XXX XXXXX
XX
00000
1
1
723000.00
750000.00
3
20110601
      
12
XXXX
XX
00000
7
1
635000.00
639000.00
3
20110616
      
13
XXXX
XX
00000
1
1
700000.00
705000.00
3
20110728
      
14
XXXXX
XX
00000
7
1
659500.00
705000.00
3
20110808
      
15
XXXX XXXXXX
XX
00000
1
1
686700.00
750000.00
3
20110705
      
16
XXXXXXX
XX
00000
1
1
  
825000.00
3
20110404
      
17
XXXXXXXXXX
XX
00000
7
1
691000.00
695000.00
3
20110702
      
00
XXXXXX XXXX XXXXX
XX
00000
7
2
867500.00
775000.00
3
20110421
      
19
XXXXXX
XX
00000
1
1
1175818.00
1228000.00
3
20110503
      
00
XXXXXXX
XX
00000
1
1
  
852000.00
3
20110520
      
21
XXXXXXXXXXXX
XX
00000
1
1
  
1190000.00
3
20110801
      
00
XXXXXXX XXXX
XX
00000
7
2
885000.00
890000.00
3
20110712
      
23
XXXXXX
XX
00000
1
1
  
870000.00
3
20110608
      
24
Xxxxxxx
XX
00000
1
1
750000.00
750000.00
3
20110714
      
00
XXXXXXXX
XX
00000
1
1
755000.00
790000.00
3
20110621
      
26
XXXXXX
XX
00000
7
1
760187.00
764000.00
3
20110720
      
27
XXXXX
XX
00000
1
1
960000.00
960000.00
3
20110803
      
28
XXXXXXXX
XX
00000
1
1
  
975500.00
3
20110713
      
00
XXX XXXXXXXXX
XX
00000
7
1
780000.00
790000.00
3
20110715
      
30
XXXXXXXX
XX
00000
1
1
  
930000.00
3
20110711
      
31
XXXXXXXX
XX
00000
7
1
849000.00
880000.00
3
20110709
      
32
XXXXXXXXX
XX
00000
1
1
867249.00
900000.00
3
20110707
      
33
XXXXXXXXXXXX
XX
00000
1
1
820000.00
930000.00
3
20110610
      
34
XXXXXX
XX
00000
1
1
821500.00
850000.00
3
20110627
      
35
XXXXX
XX
00000
7
1
885000.00
925000.00
3
20110715
      
36
XXXXXXXXX
XX
00000
7
1
  
845000.00
3
20110519
      
00
XXXXXX
XX
00000
7
1
853700.00
875000.00
3
20110314
      
00
XXXX XXXXX
XX
00000
1
1
850000.00
850000.00
3
20110727
      
39
XXXXXXXX
XX
00000
1
1
  
1600000.00
3
20110728
      
40
XXXXXX
XX
00000
1
1
2250000.00
2375000.00
3
20110511
      
41
XXXXX
XX
00000
1
1
1180000.00
1350000.00
3
20110630
      
00
XXXXXXXX
XX
00000
7
1
879000.00
885000.00
3
20110518
      
43
Xxxxxx Xxxxxx
XX
00000
7
1
1055000.00
1100000.00
3
20110714
      
44
Xxxxxx
XX
00000
1
1
  
1430000.00
3
20110613
      
45
XXXX
XX
00000
1
1
950000.00
960000.00
3
20110601
      
46
XXXXXX
XX
00000
1
1
  
1200000.00
3
20110609
      
47
XXXXXXX
XX
00000
7
1
  
1035000.00
3
20110615
      
48
Xxxxxxx
XX
00000
1
1
1016000.00
1050000.00
3
20110630
      
00
XXXXXXXX
XX
00000
7
1
  
1200000.00
3
20110808
      
50
XXXXXXXX
XX
00000
1
1
1033000.00
1075000.00
3
20110610
      
51
XXXXXXXXXX
XX
00000
1
1
1060000.00
1035000.00
3
20110725
      
52
XXXXXXXX XXXX
XX
00000
7
1
  
1200000.00
3
20110607
      
53
XXXXX XXXXX
XX
00000
7
1
  
1500000.00
3
20110728
      
54
XXXXXXX
XX
00000
7
1
  
1550000.00
3
20110711
      
55
XXXXX XXXXX
XX
00000
1
1
  
1091000.00
3
20110721
      
56
Xxxxxxx
XX
00000
1
1
1235000.00
1235000.00
3
20110627
      
00
XXX XXXXXXXX
XX
00000
1
1
1275000.00
1600000.00
3
20110624
      
58
XXXX XXXXX
XX
00000
1
2
1200000.00
1247000.00
3
20110517
      
59
XXX XXXXXX
XX
00000
1
2
1550000.00
1594500.00
3
20110714
      
60
XXXXXXX
XX
00000
1
1
  
1150000.00
3
20110715
      
61
XXXXXX
XX
00000
7
1
1240000.00
1250000.00
3
20110713
      
62
XXXXXX
XX
00000
7
1
  
2290000.00
3
20110719
      
63
Xxxxxxx
XX
00000
1
1
1195000.00
1195000.00
3
20110613
      
64
XXXXXXXX
XX
00000
7
1
1195000.00
1200000.00
3
20110512
      
65
XXXXXX
XX
00000
1
1
  
1850000.00
3
20110514
      
66
XXXXXX
XX
00000
1
1
  
1255000.00
3
20110719
      
67
XXXXX XXXX
XX
00000
7
1
1225000.00
1250000.00
3
20110603
      
68
Xxxxxxx
XX
00000
1
1
1650000.00
1702000.00
3
20110714
      
69
XXXX XXXXX
XX
00000
1
1
1245000.00
1280000.00
3
20110513
      
70
XXXX XXXXX
XX
00000
1
1
  
2500000.00
3
20110812
      
71
Xxxxxxxxxx
XX
00000
1
1
1250000.00
1250000.00
3
20110614
      
72
XXXXXX
XX
00000
7
1
2498800.00
2500000.00
3
20110801
      
73
XXXXXX
XX
00000
7
1
  
1600000.00
3
20110610
      
74
XXXXXXXX XXXXXX
XX
00000
1
1
1325000.00
1350000.00
3
20110718
      
00
XXXXXX
XX
00000
7
1
1420000.00
1425000.00
3
20110714
      
76
XXXXXX
XX
00000
1
1
  
2000000.00
3
20110627
      
77
XXXXXX XXXXX
XX
00000
1
1
  
2540000.00
3
20110423
      
78
XXXXXXXX XXXX
XX
00000
1
1
  
1580000.00
3
20110629
      
79
XXXXXXXXX XXXXX
XX
00000
1
1
1701000.00
1825000.00
3
20110801
      
80
XXXXXX
XX
00000
1
1
1710000.00
1730000.00
3
20110701
      
00
XXXXX XXXXXXX
XX
00000
1
1
  
2350000.00
3
20110706
      
 
key
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
Mortgage Insurance
Company Name
Mortgage Insurance
Percent
MI: Lender or
Borrower Paid?
Pool Insurance Co.
Name
Pool Insurance Stop
Loss %
1
        
0.523077
0.523077
0
0
0
      
2
        
0.800000
0.800000
0
0
0
      
3
        
0.544643
0.544643
0
0
0
      
4
        
0.800000
0.800000
0
0
0
      
5
        
0.750000
0.527778
0
0
0
      
6
        
0.477000
0.477000
0
0
0
      
7
        
0.359148
0.359148
0
0
0
      
8
        
0.642484
0.642484
0
0
0
      
9
        
0.584884
0.584884
0
0
0
      
10
        
0.800000
0.800000
0
0
0
      
11
        
0.699862
0.699862
0
0
0
      
12
        
0.800000
0.800000
0
0
0
      
13
        
0.750000
0.750000
0
0
0
      
14
        
0.800000
0.800000
0
0
0
      
15
        
0.799985
0.799985
0
0
0
      
16
        
0.666667
0.666667
0
0
0
      
17
        
0.800000
0.800000
0
0
0
      
18
        
0.722581
0.722581
0
0
0
      
19
        
0.484769
0.484769
0
0
0
      
20
        
0.671362
0.671362
0
0
0
      
21
        
0.483151
0.483151
0
0
0
      
22
        
0.650000
0.650000
0
0
0
      
23
        
0.689655
0.689655
0
0
0
      
24
        
0.800000
0.800000
0
0
0
      
25
        
0.800000
0.800000
0
0
0
      
26
        
0.799935
0.799935
0
0
0
      
27
        
0.635417
0.635417
0
0
0
      
28
        
0.635572
0.635572
0
0
0
      
29
        
0.800000
0.800000
0
0
0
      
30
        
0.673118
0.673118
0
0
0
      
31
        
0.765607
0.765607
0
0
0
      
32
        
0.749999
0.749999
0
0
0
      
33
        
0.800000
0.800000
0
0
0
      
34
        
0.800000
0.800000
0
0
0
      
35
        
0.750000
0.750000
0
0
0
      
36
        
0.789349
0.789349
0
0
0
      
37
        
0.799988
0.799988
0
0
0
      
38
        
0.800000
0.800000
0
0
0
      
39
        
0.710656
0.429406
0
0
0
      
40
        
0.311111
0.311111
0
0
0
      
41
        
0.593220
0.593220
0
0
0
      
42
        
0.800000
0.800000
0
0
0
      
43
        
0.700000
0.700000
0
0
0
      
44
        
0.524476
0.524476
0
0
0
      
45
        
0.800000
0.800000
0
0
0
      
46
        
0.666667
0.666667
0
0
0
      
47
        
0.786473
0.786473
0
0
0
      
48
        
0.800000
0.800000
0
0
0
      
49
        
0.685000
0.685000
0
0
0
      
50
        
0.799613
0.799613
0
0
0
      
51
        
0.800000
0.800000
0
0
0
      
52
        
0.699167
0.699167
0
0
0
      
53
        
0.559733
0.559733
0
0
0
      
54
        
0.543161
0.543161
0
0
0
      
55
        
0.779102
0.779102
0
0
0
      
56
        
0.700000
0.700000
0
0
0
      
57
        
0.700000
0.700000
0
0
0
      
58
        
0.750000
0.750000
0
0
0
      
59
        
0.580645
0.580645
0
0
0
      
60
        
0.800000
0.800000
0
0
0
      
61
        
0.750000
0.750000
0
0
0
      
62
        
0.406026
0.406026
0
0
0
      
63
        
0.800000
0.800000
0
0
0
      
64
        
0.800000
0.800000
0
0
0
      
65
        
0.516757
0.516757
0
0
0
      
66
        
0.764143
0.764143
0
0
0
      
67
        
0.800000
0.800000
0
0
0
      
68
        
0.600000
0.600000
0
0
0
      
69
        
0.800000
0.800000
0
0
0
      
70
        
0.560000
0.400000
0
0
0
      
71
        
0.800000
0.800000
0
0
0
      
72
        
0.400192
0.400192
0
0
0
      
73
        
0.638938
0.638938
0
0
0
      
74
        
0.800000
0.800000
0
0
0
      
75
        
0.750000
0.750000
0
0
0
      
76
        
0.550000
0.550000
0
0
0
      
77
        
0.555709
0.437598
0
0
0
      
78
        
0.772658
0.772658
0
0
0
      
79
        
0.750000
0.750000
0
0
0
      
80
        
0.750000
0.750000
0
0
0
      
81
        
0.620426
0.620426
0
0
0
      
 
key
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
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
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
                        
 
key
Forgiven Principal
Amount
Forgiven Interest
Amount
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)
Primary Borrower Wage Income (Commission)
Co-Borrower Wage Income (Salary)
1
        
20
    
20410801
25,000.00
9,583.00
    
2
        
6.1
    
20410601
17,850.00
      
3
        
85
    
20410801
10,081.00
      
4
        
25
    
20410501
15,834.00
      
5
        
13
  
200000
20410901
22,208.00
8,333.00
    
6
        
13
9
  
20260901
28,976.00
    
4,697.00
7
        
20
24
  
20410901
14,862.00
    
10,379.00
8
        
7.1
    
20410801
14,875.00
      
9
        
20
16
  
20410901
4,204.00
    
2,992.00
10
        
25
    
20410901
14,583.00
      
11
        
20
    
20410701
16,667.00
      
12
        
16.5
    
20410801
15,000.00
      
13
        
5
    
20410901
0.00
      
14
        
9
    
20411001
14,024.00
      
15
        
16
7
  
20410801
9,564.00
    
4,932.00
16
        
2.1
18
  
20410801
      
3,905.00
17
        
5.5
    
20410901
17,358.00
      
18
        
19
    
20410501
31,834.00
      
19
        
13
    
20410601
14,522.00
6,483.00
    
20
        
20
13
  
20410701
14,583.00
    
4,208.00
21
        
10
    
20260901
2,125.00
      
22
        
36.5
    
20410801
17,675.00
3,507.00
    
23
        
21
    
20410701
22,216.00
      
24
        
6
12
  
20410901
23,000.00
    
3,250.00
25
        
8
3
  
20410801
13,000.00
    
8,333.00
26
        
18
    
20410901
17,657.00
      
27
        
15
    
20410901
17,500.00
      
28
        
23
    
20410801
20,083.00
      
29
        
20
6
  
20410901
14,584.00
    
7,994.00
30
        
5
    
20410901
15,000.00
9,571.00
    
31
        
3
    
20410801
21,476.00
      
32
        
20
    
20410901
18,607.00
      
33
        
11
5
  
20410701
    
13,034.00
18,749.00
34
        
23.2
    
20410801
18,833.00
24,260.00
    
35
        
14
    
20410801
14,908.00
5,022.00
    
36
        
20
    
20410701
15,875.00
5,361.00
    
37
        
2
5
  
20410501
15,000.00
    
16,467.00
38
        
12
    
20410901
29,167.00
      
39
        
32.1
  
450000
20410901
        
40
        
29
    
20410601
4,410.00
14,605.00
6,820.00
  
41
        
4.4
    
20410801
15,822.00
      
42
        
19
24
  
20410601
        
43
        
17
    
20410901
23,322.00
    
0.00
44
        
22.75
22.75
  
20410801
11,792.00
    
1,271.00
45
        
25
    
20410701
20,833.00
      
46
        
24.5
    
20410701
34,527.00
      
47
        
6
    
20410701
16,667.00
21,388.00
    
48
        
10
    
20410801
18,333.00
      
49
        
8
    
20261001
18,750.00
      
50
        
1.4
    
20410701
21,875.00
      
51
        
10
    
20410901
18,750.00
      
52
        
25
    
20410801
12,000.00
      
53
        
16
    
20410901
        
54
        
32
    
20410801
16,292.00
      
55
        
22
    
20410901
26,265.00
      
56
        
12.5
    
20410801
41,925.00
      
57
        
9
    
20410701
96,744.00
      
58
        
27
    
20410701
19,000.00
      
59
        
7.5
15
  
20410901
14,146.00
    
11,359.00
60
        
7
    
20260901
36,060.00
      
61
        
32
9
  
20410801
17,063.00
    
11,667.00
62
        
30
    
20410901
29,167.00
      
63
        
14.3
1.1
  
20410701
14,583.00
18,125.00
    
64
        
21
    
20410701
29,166.00
      
65
        
13
    
20410701
216,921.00
      
66
        
15
9.2
  
20410901
12,076.00
    
25,320.00
67
        
17
    
20410801
23,000.00
      
68
        
18
    
20410901
31,667.00
      
69
        
24
    
20410601
17,083.00
15,104.00
    
70
        
30
  
400000
20261001
60,000.00
      
71
        
2
    
20410801
44,583.00
      
72
        
25
    
20410901
        
73
        
30
    
20260801
120,000.00
      
74
        
7
7
  
20410901
0.00
  
12,972.00
5,417.00
75
        
16.17
    
20410801
18,750.00
15,595.00
    
76
        
15
    
20410801
29,655.00
      
77
        
21
  
300000
20410601
89,927.00
      
78
        
21
    
20410801
64,156.00
      
79
        
9.1
10
  
20410901
5,833.00
    
10,000.00
80
        
20
    
20410901
20,617.00
12,500.00
    
81
        
10
    
20410901
17,491.00
      
 
key
Co-Borrower Wage Income (Bonus)
Co-Borrower Wage Income (Commission)
Originator Doc Code
RWT Income Verification
RWT Asset Verification
1
    
Full
2 years
2 Months
2
    
Full
2 years
2 Months
3
    
Full
2 years
2 Months
4
    
Full
2 years
2 Months
5
    
Full
2 years
2 Months
6
    
Full
2 years
2 Months
7
    
Full
2 years
2 Months
8
    
Full
2 years
2 Months
9
    
Full
2 years
2 Months
10
    
Full
2 years
2 Months
11
    
Full
2 years
2 Months
12
    
Full
2 years
2 Months
13
    
Full
2 years
2 Months
14
    
Full
2 years
2 Months
15
    
Full
2 years
2 Months
16
    
Full
2 years
2 Months
17
    
Full
2 years
2 Months
18
    
Full
2 years
2 Months
19
    
Full
2 years
2 Months
20
    
Full
2 years
2 Months
21
    
Full
2 years
2 Months
22
    
Full
2 years
2 Months
23
    
Full
2 years
2 Months
24
    
Full
2 years
2 Months
25
    
Full
2 years
2 Months
26
    
Full
2 years
2 Months
27
    
Full
2 years
2 Months
28
    
Full
2 years
2 Months
29
    
Full
2 years
2 Months
30
    
Full
2 years
2 Months
31
    
Full
2 years
2 Months
32
    
Full
2 years
2 Months
33
    
Full
2 years
2 Months
34
    
Full
2 years
1 Month
35
    
Full
2 years
2 Months
36
    
Full
2 years
2 Months
37
    
Full
2 years
2 Months
38
    
Full
2 years
2 Months
39
    
Full
2 years
2 Months
40
    
Full
2 years
2 Months
41
    
Full
2 years
2 Months
42
    
Full
2 years
2 Months
43
    
Full
2 years
2 Months
44
    
Full
2 years
2 Months
45
    
Full
2 years
2 Months
46
    
Full
2 years
1 Month
47
    
Full
2 years
2 Months
48
    
Full
2 years
2 Months
49
    
Full
2 years
2 Months
50
    
Full
2 years
2 Months
51
    
Full
2 years
2 Months
52
    
Full
2 years
2 Months
53
    
Full
2 years
2 Months
54
    
Full
2 years
2 Months
55
    
Full
2 years
2 Months
56
    
Full
2 years
2 Months
57
    
Full
2 years
2 Months
58
    
Full
2 years
2 Months
59
    
Full
2 years
2 Months
60
    
Full
2 years
2 Months
61
    
Full
2 years
2 Months
62
    
Full
2 years
1 Month
63
    
Full
2 years
2 Months
64
    
Full
2 years
2 Months
65
    
Full
2 years
2 Months
66
    
Full
2 years
2 Months
67
    
Full
2 years
2 Months
68
    
Full
2 years
2 Months
69
    
Full
2 years
2 Months
70
    
Full
2 years
2 Months
71
    
Full
2 years
2 Months
72
    
Full
2 years
2 Months
73
    
Full
2 years
2 Months
74
  
10,927.00
Full
2 years
2 Months
75
    
Full
2 years
2 Months
76
    
Full
2 years
2 Months
77
    
Full
2 years
2 Months
78
    
Full
2 years
2 Months
79
    
Full
2 years
2 Months
80
    
Full
2 years
2 Months
81
    
Full
2 years
2 Months
 
 
 
 
 
Loan Number
Redwood Loan Number
DD Loan Number
7116767018
2000000027
600119300
00-000000-0
3000000262
600131437
00-000000-0
3000000283
600132623
00-000000-0
3000000288
600132694
00-000000-0
3000000348
600135657
00-000000-0
3000000385
600137326
00-000000-0
3000000435
600138718
7118457022
2000000343
600145303
00-000000-0
3000000449
600145933
00-000000-0
0000000000
600147089
00-000000-0
3000000466
600147090
00-000000-0
3000000468
600147103
00-000000-0
3000000480
600149571
00-000000-0
841000001
600151591
7119654767
0000000000
600152229
00-000000-0
3000000501
600152540
00-000000-0
3000000508
600153553
00-000000-0
0000000000
600153559
00-000000-0
3000000526
600153743
00-000000-0
856000001
600153745
00-000000-0
3000000529
600153771
00-000000-0
3000000552
600153773
00-000000-0
3000000551
600153865
00-000000-0
3000000531
600154267
00-000000-0
3000000557
600154268
7120359166
2000000504
600254724
00-000000-0
3000000613
600254752
2027601803
1050000663
600254765
2131700638
1050000773
600254766
3006612518
1050000809
600254767
7120816173
2000000641
600255648
2083600913
1050000790
600256922
00-000000-0
868000029
600256932
00-000000-0
868000025
600256933
00-000000-0
868000013
600256934
00-000000-0
868000027
600256935
00-000000-0
868000030
600256936
00-000000-0
868000035
600256937
00-000000-0
868000016
600256938
00-000000-0
868000012
600256939
00-000000-0
868000014
600256940
00-000000-0
868000034
600256941
00-000000-0
868000031
600256944
00-000000-0
868000003
600256945
00-000000-0
868000011
600256946
00-000000-0
3000000651
600257274
00-000000-0
3000000640
600257359
00-000000-0
3000000673
600257361
2027601961
1050000786
600257399
00-000000-0
3000000668
600257430
00-000000-0
3000000718
600257433
00-000000-0
3000000726
600258499
00-000000-0
869000001
600259099
00-000000-0
869000006
600259100
00-000000-0
869000008
600259101
00-000000-0
869000010
600259102
00-000000-0
3000000779
600259171
00-000000-0
3000000795
600259803
00-000000-0
0000000000
600259804
2153601079
1050000781
600259809
20631100115
0000000000
600259810
3006612846
1050000861
600259811
2198600319
0000000000
600259812
7120289157
2000000581
600259820
7120918300
2000000678
600259823
7121082353
2000000806
600259826
7120766279
2000000675
600259890
7120605030
2000000834
600259892
2051601528
1050000892
600259904
2135601691
1050000900
600259905
00-000000-0
3000000720
600259927
00-000000-0
3000000845
600259929
00-000000-0
3000000846
600260164
00-000000-0
882000002
600260170
00-000000-0
882000003
600260171
2073603307
1050000808
600260334
00-000000-0
3000000847
600260364
2001708071
1050000810
600260369
222782
1000000886
600260447
2003602264
1050000836
600261156
2141600122
1050000911
600261158
2073603486
1050000903
600261325
7000603545
1050000940
600261326
2244701095
1050000947
600261327
0000000000
1050000882
600262314
2001707491
1050000893
600262315
7120686444
0000000000
600262678
7121251800
2000000874
600262679
1075123
1300000942
600262686
2198600334
0000000000
600262875
225304
0000000000
600263028
225746
1000000964
600263029
2027602080
1050000941
600263073
5040351321
2000000627
600263174
5040350877
2000000654
600263175
7121006428
2000000817
600263176
7120768283
2000000867
600263180
7121571579
2000000912
600263182
7120681791
2000000956
600263183
2135601557
1050001057
600263184
00-000000-0
0000000000
600263185
00-000000-0
3000000913
600263186
3721600135
1050001011
600263203
00-000000-0
3000000920
600263204
2123700490
1050000924
600263298
2198600346
1050000905
600263314
2088700361
1050000970
600263315
3612601111
0000000000
600263316
2088700451
1050001044
600263317
2027602115
1050001036
600263328
225401
1000000969
600263717
00-000000-0
3000000936
600263718
2027602067
1050000922
600263731
3726600027
1050001026
600264081
2036605744
1050000977
600264901
3624700942
0000000000
600264902
3092605524
1050001070
600264903
226182
1000000926
600264904
7119965072
2000000875
600264906
7121085000
2000000918
600264922
7121754175
2000000958
600264923
2028606980
1050000992
600264924
3627601196
1050001004
600264925
2036605817
1050000967
600264927
3650602060
1050000982
600264928
2001708537
1050000994
600264935
2051601611
1050000986
600264937
3602601382
1050000989
600264938
3006613221
1050001007
600264939
2001708593
1050001058
600264940
223089
1000001043
600265106
1042394
1300000953
600265107
1077215
1300000980
600265108
2168600339
1050001065
600265186
3726600244
1050001169
600265187
1073668
1300000978
600266249
225955
1000001033
600266303
201316
1000001034
600266304
7121666429
2000000968
600266324
7121902899
2000000984
600266325
7121903640
2000000985
600266326
7121723493
2000000990
600266327
7121909985
2000001013
600266328
2204600190
1050000975
600266583
0000000000
1050001101
600266584
00-000000-0
3000001003
600266585
0000000000
1050000944
600266838
1083602358
1050001023
600266839
2253600055
1050001045
600266840
6005600186
1050001249
600266842
2125602741
1050001099
600266843
00-000000-0
3000001030
600266852
00-000000-0
3000001031
600266853
00-000000-0
3000001124
600266854
2238600275
1050000963
600266855
20171100351
1050001040
600266856
2027602127
1050001086
600266857
2238600305
0000000000
600266858
3670600488
1050001111
600266859
0000000000
1050001157
600266860
0000000000
1050001067
600267299
3602601402
1050001098
600267300
2154601123
1050001110
600267301
3726600119
0000000000
600267302
2036605864
0000000000
600267837
2027602116
1050001066
600267838
3726600200
1050001168
600267839
2198600379
1050001194
600267840
00-000000-0
3000001053
600267841
00-000000-0
3000001060
600267842
00-000000-0
3000001062
600267843
00-000000-0
3000001130
600267844
00-000000-0
0000000000
600267845
00-000000-0
3000001132
600267846
00-000000-0
3000001133
600267847
00-000000-0
3000001135
600267849
00-000000-0
3000001136
600267850
00-000000-0
3000001137
600267851
00-000000-0
3000001138
600267852
00-000000-0
3000001139
600267853
00-000000-0
3000001140
600267854
00-000000-0
3000001141
600267855
00-000000-0
3000001142
600267856
00-000000-0
3000001143
600267857
00-000000-0
3000001144
600267858
00-000000-0
3000001146
600267859
2028607129
1050001087
600267873
2273600002
1050001090
600267874
00-000000-0
3000001072
600267912
00-000000-0
0000000000
600267913
00-000000-0
3000001038
600268949
00-000000-0
3000001082
600268951
00-000000-0
3000001097
600268952
2177600280
1050001063
600269262
2154601108
1050001094
600269263
3726600150
1050001128
600269265
3705600434
1050001195
600269267
7120850032
2000000792
600269287
7121668326
2000000993
600269288
7121966142
2000001014
600269289
7121753466
2000001022
600269290
7120524207
2000001096
600269291
7121575273
2000001108
600269292
7121919133
2000001162
600269293
00-000000-0
3000001145
600269294
2097600762
1050001010
600269320
3602601390
1050001079
600269321
2248600040
1050001112
600271908
3006613329
0000000000
600271909
00-000000-0
3000001116
600271910
00-000000-0
3000001348
600271911
00-000000-0
3000001349
600271912
1076716
1300001077
600273390
1076082
0000000000
600273391
1077462
1300001182
600273392
00-000000-0
3000001105
600273415
5050454775
2000000948
600274056
7121336809
2000000983
600274057
7121832930
2000001041
600274058
7122307155
2000001184
600274059
001082241
1300001270
600274213
7122239028
2000001152
600274214
7122256725
2000001183
600274215
7121722271
2000000991
600274216
3052602876
1050001187
600274218
00-000000-0
3000001176
600274219
00-000000-0
3000001177
600274220
3651604471
1050001222
600274999
2046605421
1050001275
600275000
20631100547
1050001307
600275001
0000000000
1050001338
600275002
7121657733
0000000000
600275003
00-000000-0
3000001236
600275005
00-000000-0
0000000000
600275006
00-000000-0
909000126
600275153
00-000000-0
909000134
600275154
00-000000-0
909000135
600275155
2210600429
1050001089
600275166
00-000000-0
3000001243
600275167
00-000000-0
3000001342
600275168
2105600365
0000000000
600275921
7121753607
2000000972
600275922
7122334985
2000001267
600275923
7122451052
2000001515
600275924
3706601428
1050001758
600276858
00-000000-0
3000001238
600276859
7121674803
2000001403
600276860
7122076396
2000001088
600277197
00-000000-0
3000001197
600277199
00-000000-0
0000000000
600277200
00-000000-0
0000000000
600277201
3643602404
1050001155
600277202
001070685
1300001012
600277203
001080934
1300001174
600277204
20321100005
1050001115
600277259
2039604549
1050001189
600277261
00-000000-0
3000001213
600277263
00-000000-0
3000001276
600277264
00-000000-0
0000000000
600277265
00-000000-0
3000001345
600277266
7122331841
0000000000
600277267
7122356434
2000001271
600277268
6014600088
0000000000
600277278
2218601128
1050001227
600277280
2198600438
0000000000
600277281
00-000000-0
814000005
600277282
00-000000-0
814000006
600277283
00-000000-0
868000001
600277284
00-000000-0
868000002
600277285
00-000000-0
868000004
600277286
00-000000-0
868000006
600277287
00-000000-0
868000007
600277288
00-000000-0
868000008
600277289
00-000000-0
868000009
600277290
00-000000-0
868000010
600277291
00-000000-0
868000015
600277292
00-000000-0
868000017
600277293
00-000000-0
868000018
600277294
00-000000-0
868000019
600277295
00-000000-0
868000020
600277296
00-000000-0
868000021
600277297
00-000000-0
868000022
600277298
00-000000-0
868000023
600277299
00-000000-0
868000024
600277300
00-000000-0
868000026
600277301
00-000000-0
868000028
600277302
00-000000-0
868000032
600277303
00-000000-0
868000033
600277304
00-000000-0
869000004
600277306
00-000000-0
869000005
600277307
00-000000-0
869000007
600277308
00-000000-0
869000009
600277309
00-000000-0
869000011
600277310
00-000000-0
0000000000
600277327
00-000000-0
3000001231
600277328
00-000000-0
3000001240
600277329
2030601875
1050001256
600277332
6008684
1650001624
600277333
3052602909
0000000000
600277452
001080213
1300001120
600277619
00-000000-0
0000000000
600277620
00-000000-0
3000001304
600277621
00-000000-0
0000000000
600277622
00-000000-0
3000001326
600277623
00-000000-0
3000001344
600277624
00-000000-0
3000001355
600277625
00-000000-0
3000001160
600277745
00-000000-0
3000001334
600277746
2108600297
1050001284
600278836
6005600235
0000000000
600278838
001081295
1300001221
600278839
001082302
1300001380
600278841
001081489
0000000000
600278842
212044
1000001574
600279167
3602601352
1050001117
600279168
6005600275
1050001253
600279169
00-000000-0
3000001357
600279194
2027602195
1050001777
600279195
2154601170
1050001229
600279196
224051
1000001642
600279199
7120444828
0000000000
600279200
21871100062
1050001254
600279333
3602601464
1050001433
600279335
00-000000-0
3000001346
600279336
00-000000-0
3000001356
600279337
7122405942
0000000000
600279339
2051601642
1050001512
600280458
2001708341
1050001179
600280460
00-000000-0
0000000000
600280494
00-000000-0
3000001367
600280495
6010270
1650001511
600280496
00-000000-0
3000001233
600280931
00-000000-0
3000001239
600280932
00-000000-0
3000001325
600281543
00-000000-0
3000001405
600281544
00-000000-0
3000001507
600281545
00-000000-0
3000001278
600282102
00-000000-0
3000001408
600282103
00-000000-0
3000001454
600282104
21491100132
1050001317
600282789
7122627289
2000001568
600282791
00-000000-0
3000001407
600282792
00-000000-0
3000001455
600282793
00-000000-0
3000001464
600282794
00-000000-0
3000001465
600282795
00-000000-0
3000001418
600282796
001080666
1300001516
600282797
001081407
1300001211
600283120
001085417
1300001580
600283121
00-000000-0
0000000000
600283122
6010180
1650001458
600284125
231027
1000001250
600284520
2058601997
1050001815
600284526
00-000000-0
3000001595
600284527
00-000000-0
3000001235
600284528
00-000000-0
3000002004
600285029
5040436072
2000001351
600285216
7122705481
2000001610
600285217
7122969368
2000001788
600285218
231043
1000001251
600285219
7122780740
2000001611
600285524
7122619625
2000001439
600286773
001078858
1300001283
600286774
00-000000-0
3000001627
600287923
8000383
1650001762
600288023
2045701120
1050001750
600288086
00-000000-0
3000001643
600289593
00-000000-0
3000001655
600289867
00-000000-0
978000001
600295295
00-000000-0
978000002
600295296
00-000000-0
978000003
600295297
00-000000-0
978000005
600295299
00-000000-0
978000009
600295303
00-000000-0
978000012
600295306
00-000000-0
978000014
600295308
00-000000-0
978000017
600295311
00-000000-0
978000018
600295312
00-000000-0
978000024
600295318
00-000000-0
978000027
600295321
00-000000-0
978000030
600295324
00-000000-0
978000031
600295325
00-000000-0
978000033
600295327
00-000000-0
978000034
600295328
00-000000-0
978000035
600295329
00-000000-0
978000036
600295330
00-000000-0
978000037
600295331
00-000000-0
978000039
600295333
00-000000-0
978000040
600295334
00-000000-0
978000042
600295336
00-000000-0
978000043
600295337
00-000000-0
978000046
600295340
00-000000-0
978000047
600295341
00-000000-0
978000048
600295342
00-000000-0
978000049
600295343
00-000000-0
978000050
600295344
00-000000-0
978000051
600295345
00-000000-0
978000053
600295347
00-000000-0
978000054
600295348
00-000000-0
978000055
600295349
00-000000-0
978000058
600295352
00-000000-0
978000059
600295353
00-000000-0
978000061
600295355
00-000000-0
978000063
600295357
00-000000-0
978000065
600295359
00-000000-0
978000082
600295376
503279849
1150001401
Xxxxxxx.  No loanid
503294792
1150001498
Xxxxxxx.  No loanid
503260869
1150001373
Xxxxxxx.  No loanid
503281720
1150001400
Xxxxxxx.  No loanid
503266350
1150001395
Xxxxxxx.  No loanid
503283192
1150001371
Xxxxxxx.  No loanid
503278341
1150001970
Xxxxxxx.  No loanid
503275972
1150001597
Xxxxxxx.  No loanid
503272061
1150001383
Xxxxxxx.  No loanid
503260793
1150001399
Xxxxxxx.  No loanid
503273065
1150001384
Xxxxxxx.  No loanid
503234706
0000000000
Xxxxxxx.  No loanid
503335768
1150001855
Xxxxxxx.  No loanid
503280657
1150001417
Xxxxxxx.  No loanid
503276011
1150001374
Xxxxxxx.  No loanid
503285149
1150001527
Xxxxxxx.  No loanid
503278520
1150001375
Xxxxxxx.  No loanid
503257737
1150001378
Xxxxxxx.  No loanid
503273469
1150001385
Xxxxxxx.  No loanid
503273037
1150001556
Xxxxxxx.  No loanid
0000000000
1400001469
Xxxxxxx.  No loanid
503259752
1150001402
Xxxxxxx.  No loanid
2011000933
1400001741
Xxxxxxx.  No loanid
503299399
1150001503
Xxxxxxx.  No loanid
503273456
1150001387
Xxxxxxx.  No loanid
503255085
0000000000
Xxxxxxx.  No loanid
503272937
1150001397
Xxxxxxx.  No loanid
503251726
1150001694
Xxxxxxx.  No loanid
503256518
1150001376
Xxxxxxx.  No loanid
503279494
1150001537
Xxxxxxx.  No loanid
503279768
1150001632
Xxxxxxx.  No loanid
503302762
1150001481
Xxxxxxx.  No loanid
503281800
1150001411
Xxxxxxx.  No loanid
503253990
1150001517
Xxxxxxx.  No loanid
503272246
1150001899
Xxxxxxx.  No loanid
503326005
1150001755
Xxxxxxx.  No loanid
2011001782
1400001850
Xxxxxxx.  No loanid
503339764
1150001888
Xxxxxxx.  No loanid
503325948
1150001768
Xxxxxxx.  No loanid
503301258
1150001486
Xxxxxxx.  No loanid
503254794
1150001681
Xxxxxxx.  No loanid
 
 
 
 
 
MERSID
Organization
1002338
First Republic
1000536
Prime Lending
1000938
Select Portfolio Servicing
1000200
PHH
1006404
Xxxxx Fargo
1000104
SunTrust Mortgage, Inc.
1001863
Sterling Savings Bank
0000000
Cenlar FSB
0000000
Flagstar Bank, F.S.B.
0000000
Franklin American Mortgage
1000312
Wintrust Mortgage A Division of Barrington Bank & Trust Co
0000000
GuardHill Financial Corp.
1008808
Xxxx Xxxxxx Bank
 
 
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
XXX
XXX
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 = XXX xxxx
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
    
000
Xx-Xxxxxxxx Xxxx 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, xxxxxx 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:
Xxxxx 0 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)
Xxxxx 0 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
*For self-employed borrowers:  Xxxxx 0 Income Verification:
• 2 Years Tax Returns
• Self-prepared tax returns (regardless of 4506 and tax transcripts)
 
** For self-employed borrowers: Xxxxx 0 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:
 
Xxxxx 0 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)
 
Xxxxx 0 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)
*For self-employed borrowers:  Xxxxx 0 Income Verification:
• 2 Years Tax Returns
• Self-prepared tax returns (regardless of 4506 and tax transcripts)
 
** For self-employed borrowers: Xxxxx 0 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
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 xxxxx
    
XX-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 xxxxx
    
XX-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 SALE AND SERVICING AGREEMENT
 
1.           The definition of “Business Day” in Section 1 of the Agreement is hereby deleted in its entirety and replaced with the following:
 
“Business Day:  Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the State of New York, the State of Utah or 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 Utah or 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.”

 
2.
The definition of “Assumed Principal Balance” is hereby revised to read 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.”
 
 
3.
The definition of “Closing Date” is hereby revised to read as follows:
 
“Closing Date:  January 27, 2012, except with respect to the first paragraph of Section 3 and the Xxxx of Sale and Servicer Acknowledgement(s).”
 
4.           The definition of “Cut-off Date” is hereby revised to read as follows:
 
“Cut-off Date:  January 1, 2012, except with respect to the first paragraph of Section 3 and the Xxxx of Sale and Servicer Acknowledgement(s).”
 
 
5.
The definition of “First Remittance Date” is hereby revised to read as follows:
 
 
“First Remittance Date:  February 25, 2012.”
 
6.           Each of the following definitions is hereby inserted in Section 1 of the Agreement in its appropriate alphabetical order:

 
A-1
 
 
“Controlling Holder:  At any time, the holder of the majority of the class principal amount of the most subordinate class of certificates issued pursuant to the Pooling Agreement or, if the class principal amount of the most subordinate class of certificates issued pursuant to the Pooling Agreement is zero, the holder of the majority of the class principal amount of the second most subordinate class of certificates issued pursuant to the Pooling Agreement.  If the class principal amount of the second most subordinate class of certificates issued pursuant to the Pooling Agreement is zero, then no entity will have any rights as a Controlling Holder.”
 
“Full Prepayment:  Any payment of the entire principal balance of a Mortgage Loan that is received in advance of its scheduled Due Date and is not accompanied by an amount of interest representing scheduled interest due on any date or dates in any month or months subsequent to the month of prepayment.”
 
“Partial Prepayment:  Any payment of principal on a Mortgage Loan, other than a Full Prepayment, which is received in advance of its scheduled Due Date and is not accompanied by an amount of interest representing scheduled interest due on any date or dates in any month or months subsequent to the month of prepayment.”
 
“P&I Advance: As defined in Section 11.17.”
 
“Prepayment Interest Shortfall: As to any Remittance Date and any Mortgage Loan, (a) if such Mortgage Loan was the subject of a Full Prepayment during the related Principal Prepayment Period, the excess of one month’s interest (adjusted to the Mortgage Loan Remittance Rate) on the Assumed Principal Balance of such Mortgage Loan outstanding immediately prior to such prepayment, over the amount of interest (adjusted to the Mortgage Loan Remittance Rate) actually paid by the Mortgagor in respect of such Principal Prepayment Period, and (b) if such Mortgage Loan was the subject of a Partial Prepayment during the related Principal Prepayment Period, an amount equal to the excess of one month’s interest at the Mortgage Loan Remittance Rate on the amount of such Partial Prepayment, over the amount of interest actually paid by the Mortgagor in respect of such Partial Prepayment during such Principal Prepayment Period.
 
“Principal Prepayment Period: As to any Remittance Date, the calendar month preceding the calendar month in which such Remittance Date occurs.
 
7.
 
(i)           Subsection 11.01, fifth paragraph is revised to read as follows:

 
A-2
 

“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 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.”

 
A-3
 

(ii)          Subsection 11.01, eighth paragraph is revised to read 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 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.

8.           Subsection 11.04, first sentence of the first paragraph is revised to read 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 Collection Accounts (collectively, the “Collection Account”), titled “U.S. Bank National Association, in trust for the holders of Sequoia Mortgage Trust 2012-1 Mortgage Pass-Through Certificates.”

9.           Subsection 11.04, subclause (f) of the second paragraph is revised to read as follows:

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

 
A-4
 

10.         The following new subclause (j) is added immediately following subclause (i) thereof in Subsection 11.04:

“(j)         with respect to each Full Prepayment and each Partial Prepayment, an amount (to be paid by the Servicer out of its own funds) equal to the Prepayment Interest Shortfall; provided, however, that the Servicer’s aggregate obligations under this paragraph for any month shall be limited to the total amount of Servicing Fees actually received with respect to the Mortgage Loans by the Servicer during such month.”
 
11.         Notwithstanding anything to the contrary in the Flow Sale and Servicing Agreement, any Custodial Accounts established by the Servicer pursuant to Subsection 11.04 of the Flow Sale and Servicing Agreement shall qualify as Eligible Accounts as defined in the Pooling and Servicing Agreement.

12.          Subsection 11.05 is revised to read as follows:
 
“The Servicer shall, from time to time, withdraw funds from the Custodial Account for the following purposes:
 
(a)         to make payments to the Owner in the amounts and in the manner provided for in Subsection 11.15;
 
(b)         to reimburse itself for P&I Advances, the Servicer’s right to reimburse itself 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 Servicer’s right thereto shall be prior to the rights of the Owner with respect to such Mortgage Loan;
 
(c)         to reimburse itself for any unpaid Servicing Fees and for unreimbursed Servicing Advances, the Servicer’s right to reimburse itself for such unreimbursed Servicing Advances 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 Servicer’s right thereto shall be prior to the rights of the Owner unless the Servicer is required to pay the Prepayment Interest Shortfall pursuant to Subsection 11.15, in which case the Servicer’s right to such reimbursement shall be subsequent to the payment to the Owner of such shortfall;
 
(d)         to reimburse itself for unreimbursed Servicing Advances and for xxxxxxxxxxxx X&X Advances, to the extent that such amounts are nonrecoverable (as certified by the Servicer to the Owner in an Officer’s Certificate) by the Servicer pursuant to subclause (b) or (c) above;

 
A-5
 

(e)         to reimburse itself for P&I Advances and Servicing Advances that were added to the outstanding principal balance of a Mortgage Loan in connection with a modification of such Mortgage Loan to capitalize arrearages;
 
(f)         to reimburse itself for expenses incurred by and reimbursable to it pursuant to Subsection 12.01;
 
(g)        to withdraw amounts to make P&I Advances in accordance with Subsection 11.17;
 
(h)        to pay to itself any interest earned or any investment earnings on funds deposited in the Custodial Account, net of any losses on such investments;
 
(i)         to withdraw any amounts inadvertently deposited in the Custodial Account; and
 
(j)         to clear and terminate the Custodial Account upon the termination of this Agreement.
 
Upon request, the Servicer will provide the Owner with copies of reasonably acceptable invoices or other documentation relating to Servicing Advances that have been reimbursed from the Custodial Account.

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:

 
A-6
 

“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 Servicer’s expense) to the effect that the holding by the related trust of such Mortgaged Property subsequent to such three-year period (and specifying the period 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.         Subsection 11.15, first paragraph is revised to read as follows:
 
“On each Remittance Date the Servicer shall remit by wire transfer of immediately available funds to the account designated in writing by the Owner of record on the preceding Record Date (a) all amounts credited to the Custodial Account at the close of business on the related Determination Date, net of charges against or withdrawals from the Custodial Account pursuant to Subsection 11.05(b) through (h), plus (b) all amounts, if any, which the Servicer is obligated to distribute pursuant to Subsection 11.17, minus (c) any amounts attributable to Principal Prepayments received after the end of the calendar month preceding the month in which the Remittance Date occurs, minus (d) any amounts attributable to Monthly Payments collected but due on a Due Date or Due Dates subsequent to the first day of the month in which the Remittance Date occurs.

 
A-7
 

Not later than each Remittance Date, the Servicer shall from its own funds deposit in the Custodial Account an amount equal to the aggregate Prepayment Interest Shortfall due to either Partial Prepayment or Full Prepayment, if any, existing in respect of the related Principal Prepayment Period.”

15.         Subsection 11.16, first sentence of the first paragraph is revised to read as follows:

“Not later than the tenth (10th) day of each month, the Servicer shall forward to the Owner in an electronic format statements, in substantially the same forms as, and providing the information described in, Exhibit 3 hereto; or as otherwise mutually agreed to by Servicer and the Master Servicer.”

16.         Subsection 11.17 is revised to read as follows:

“Subsection 11.17          Advances by the Servicer.

On the Business Day immediately preceding each related Remittance Date, the Servicer shall either (a) deposit in the Custodial Account from its own funds 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 (each such advance, a “P&I Advance”), (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 advances to be made.  Any amounts held for future distribution and so used shall be replaced by the Servicer 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 Servicer’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 Servicer, in its good faith judgment, determines that such P&I Advances would not be recoverable pursuant to Subsection 11.05(d).  The determination by the Servicer that a P&I Advance, if made, would be nonrecoverable, shall be evidenced by an Officer’s Certificate of the Servicer, delivered to the Owner, which details the reasons for such determination.  The Servicer shall not have any obligation to advance amounts in respect of shortfalls relating to the Servicemembers Civil Relief Act and similar state and local laws.

 
A-8
 

17.         The Flow Sale and Servicing Agreement is modified by adding a new Subsection 11.25 which reads as follows:

“Subsection 11.25 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 contemplated action will not endanger such REMIC status or result in the imposition of any such tax.”

18.         The Flow Sale and Servicing Agreement is modified by replacing Subsection 12.04 with the following:

“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.”

19.         Section 13.03 of the Flow Sale and Servicing Agreement is deleted in its entirety.

20.         The first sentence of Subsection 12.01(d) is revised to read as follows:

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

 
A-9
 
 
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Filed: January 30th, 2012
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