Required (2) FM Loan Number LoanData_LOAN_nbr_mrtg A unique assigned Freddie Mac number used to Numeric. (9) Required st

Transcription

1 WORKOUT PROSPECTOR BULK UPLOAD APPEDIX A IMPORT TAG FILE FORMAT v1.8 September 2010 Field ame Tag ame Field Description Data Type/Size /Conditional / Servicer umber LoanData_LOA_nbr_svcr A unique number used to identify an institution approved to service mortgages to Freddie Mac. (6) The family number should be entered into this field. Loan type (FM, non-fm) LoanData_LOA_loan_type It indicates the type of the loan, (FM, non-fm) (2) FM Loan umber LoanData_LOA_nbr_mrtg A unique assigned Freddie Mac number used to identify a mortgage. (9) Borrower First ame BorrInfoData_BORR_name_borr_fir Borrower s first name st (30) Borrower Last ame BorrInfoData_BORR_name_borr_lst Borrower s last name (30) Borrower SS BorrInfoData_BORR_nbr_borr_ssn Borrower s social security number (9) Borrower City BorrInfoData_BORR_addr_city The city in which the borrower is located. (20) Borrower State BorrInfoData_BORR_addr_st The state in which the borrower is located. (2) Borrower Street ame BorrInfoData_BORR_addr_strt The street address of the borrower. (30) Borrower Zip Code BorrInfoData_BORR_addr_zip The first five digits of the zip code for the Valid Values AL, AK, AS, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, I, IA, KS, KY, LA, ME, MD, MA, MI, M, MS, MO, MT, E, V, H, J, M, Y, C, D, OH, OK, OR, PA, PR, RI, SC, SD, T, TX, UT, VT, VI, VA, WA, WV, WI, WY 1

2 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / borrower location (9) Borrower number of people in BorrInfoData_BORR_cnt_in_hsehol umber of people in household. household d (4) Borrower Daytime Phone BorrInfoData_BORR_nbr_ph_borr_ Borrower s daytime phone number. number daytm Borrower Evening Phone BorrInfoData_BORR_nbr_ph_borr_ Borrower s evening phone number. number evng ew Borrower Flag BorrInfoData_BORR_flag_new_bor ew borrower flag. Used to distinguish current Y r borrower from new borrower (for assumptions). Co-Borrower First ame BorrInfoData_COBORR1_name_bo Co-borrower s first name. Conditional IF C- rr_first (30) Borrower exists Co-Borrower Last ame BorrInfoData_COBORR1_name_bo Co-borrower s last name. Conditional IF C- rr_lst (30) Borrower Exists Co-Borrower Social Security BorrInfoData_COBORR1_nbr_borr Co-borrower s social security number Conditional IF Co- umber _ssn (9) Borrower Exists Co-Borrower Daytime Phone BorrInfoData_COBORR1_nbr_ph_b Co- borrower s daytime phone number. umber orr_daytm Co-Borrower Evening Phone BorrInfoData_COBORR1_nbr_ph_b Co- borrower s evening phone number umber orr_evng Borrower 1 Gross Salary Wage BorrIncomeData_BOPF1_amt_gr_ Total monthly base salary/wages/tips before taxes sal_wage and deductions for full-time and part-time employment (does not include overtime, Borrower 2 Gross Salary Wage Borrower 1 Real Estate Tax Conclusion Value Owner Occupied Flag BorrIncomeData_BOPF2_amt_gr_ sal_wage BorrExpenseData_BOPF1_amt_re _tax PropertyData_WKMDL_amt_cnclsn _val PropertyData_WKMDL_flag_ownr_ occpd commissions, and bonuses). Total monthly base salary/wages/tips before taxes and deductions for full-time and part-time employment (does not include overtime, commissions, and bonuses). Monthly average property tax owed on investment properties and second homes (if the borrower receives a yearly bill, divide it by 12 to determine average monthly cost). Dollar amount of the property value used in valuation calculations. Flag that indicates whether the owner occupies the subject property. 2 Y

3 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Original Value PropertyData_PPTY_amt_origl_val The original dollar value of a property. Property Street Address PropertyData_PPTY_addr_strt The street address of the property. (50) Property City Address PropertyData_PPTY_addr_city City in which the property is located. (55) Property Zip Code Address PropertyData_PPTY_addr_zip The zip code of the property. (9) Property State Address PropertyData_PPTY_addr_st State in which the property is located. (2) 3 umber of Units PropertyData_PPTY_nbr_of_units The number of units in a multi-unit property Gross Sales Price Buyer Financing Type Property Principal Interest PropertyData_SHRT_amt_gr_sls_pr ce PropertyData_WKMDL_cd_byr_fin g_type LoanData_BOPF1_amt_ppty_pi Actual or estimated amount paid by the buyer of a property. Buyer financing type codes. Monthly dollar amount paid for a property to cover principal and interest (pi) on the mortgage for the Conditional IF Pre- Foreclosure Sale Exists AL, AK, AS, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, I, IA, KS, KY, LA, ME, MD, MA, MI, M, MS, MO, MT, E, V, H, J, M, Y, C, D, OH, OK, OR, PA, PR, RI, SC, SD, T, TX, UT, VT, VI, VA, WA, WV, WI, WY C F V

4 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / property that is being considered for workout. This field is displayed in current piti pop-up screen. Property Real Estate Tax LoanData_BOPF1_amt_ppty_re_ta Average monthly real estate tax owed on the x property that is being considered for workout (if the borrower receives a yearly bill, divide it by 12 to determine the average monthly cost). This field Property Hazard Insurance LoanData_BOPF1_amt_ppty_haz_ ins is displayed in current piti pop-up screen. Average monthly cost to cover hazard insurance premiums for the property that is being considered for workout. This field is displayed in current piti pop-up screen. Mortgage Insurance LoanData_BOPF1_amt_mrtg_ins Average monthly homeowners, flood, private mortgage or credit life insurance on the property being considered for workout (for a yearly bill, divide by 12 to determine the average monthly cost). This field is displayed in current piti pop-up screen. Hardship Reason Code LoanData_WKMDL_code_hrdshp_r sn A code indicating the nature of hardship for the borrower. 4 B, E, X, A, C, I, F, G, Q, J, K, U, M, O, D, Y, L, H,, P, W, R, S, T, Z, V ote: See User Manual for value definitions Unpaid Principal Balance LoanData_WKMDL_amt_upb The current unpaid principal balance of the loan. DDLPI Date LoanData_WKMDL_dt_ddlpi The due date of the last payment actually received from the borrower. Date MM/DD/YYYY OR Foreclosure Begin Date LoanData_WKMDL_dt_fcl_beg The date the foreclosure process began. Date MM/DD/YYYY OR Scheduled Foreclosure Sale Date LoanData_WKMDL_dt_fcl_schedd_ sle Date on which the foreclosure sale is scheduled to occur. Date MM/DD/YYYY OR Maturity Date LoanData_WKMDL_dt_mty Date the modified mortgage matures. Calculated as modification effective date plus term (in Date MM/DD/YYYY OR

5 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / number of months) of modified loan. Borrower Request Flag LoanData_WKMDL_flag_borr_rqst Flag that indicates whether the workout is initiated Y by the borrower. Mortgage Insurance Company LoanData_WKMDL_id_mi_co Conditional IF MI Identifier (3) Exists A company whose business is to insure newly originated mortgages for the mortgage originator against default loss. 000, 001, 002, 005, 006, 007, 011, 012, 013, 016, 017, 019, 020, 022, 024, 026, 031, 033, 037, 038, 043, 070, 071, 088, 091, 093, 095, 097, 098, 099 Mortgage Insurance Certification umber LoanData_WKMDL_nbr_mi_cert Identifying number assigned to a mortgage by a mortgage insurance company. Conditional IF MI Exists Mortgage Insurance Percent LoanData_WKMDL_pct_mi Percentage of a mortgage balance that the mortgage insurance company is responsible to cover default losses on. (3) Accounting et Yield Rate LoanData_WKMDL_rate_any The effective accounting net yield rate for the mortgage for a particular step in a loan (7,6) modification step schedule. Rate must be in decimal format (i.e. 6.15% should be uploaded as ). ote Rate LoanData_WKMDL_rate_note The current note rate of the loan. Rate must be in decimal format (i.e. 6.15% should be uploaded as (7,6) ). Original LTV Percent LoanData_WKMDL_pct_origl_ltv The original loan to value percent. (i.e. 80.5% should be uploaded as 0.805). (7,6) Second Lien Date LoanData_WKMDL_dt_sec_lien Date on which the second lien became effective. Date Conditional IF second note exists Second Lien Interest Rate LoanData_WKMDL_rate_sec_lien_i The interest rate for the loan that is the second Conditional IF Classic nt lien. Rate must be in decimal format (i.e. 6.15% (7,6) Mod should be uploaded as ). ote: See User Manual for value definitions where the length is less than or equal to 3 MM/DD/YYYY OR Rate should be greater than 0 and less than 15 5

6 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Second Lien Payment LoanData_WKMDL_amt_sec_lien_ paymt The principal and interest payment for the loan that is the second lien. (7,2) Broker Attorney ame CntctData_BRKATYLB_name_brkr ame of servicer contact _atty (30) Broker Attorney Phone umber CntctData_BRKATYLB_nbr_ph Telephone number of the servicer contact employee. Broker Attorney Fax umber CntctData_BRKATYLB_nbr_fax Fax number of an attorney. Broker Attorney Contact Street CntctData_BRKATYLB_addr_strt Second part of street address of servicer being Address compensated. (60) Broker Attorney Contact City CntctData_BRKATYLB_addr_city City in which servicer being compensated is Address located. (20) Broker Attorney Contact State CntctData_BRKATYLB_addr_st State in which servicer being compensated is Address located. Broker Attorney Contact Zip Code CntctData_BRKATYLB_addr_zip Zip code of servicer being compensated. (9) Servicer Loan umber CntctData_WKMDL_nbr_svcr_ln The loan number used by the seller/servicer as stored on Midas. It is optional for the seller to (13) provide this number at the time the loan is delivered to Freddie Mac. Payoff First Mortgage HudData_SHRT_amt_payf_frst_mrt Dollar amount to payoff the first mortgage loan. g 6 Conditional IF Classic Mod Conditional IF Pre- Foreclosure Sale Exists Conditional IF Pre- Foreclosure Sale Exists (2) AL, AK, AS, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, I, IA, KS, KY, LA, ME, MD, MA, MI, M, MS, MO, MT, E, V, H, J, M, Y, C, D, OH, OK, OR, PA, PR, RI, SC, SD, T, TX, UT, VT, VI, VA, WA, WV, WI, WY

7 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Bankruptcy Fee ArrearsData_LMDTRM_amt_bkrp The dollar amount of fees and other costs ty_fee associated with bankruptcy based on the borrower s time in bankruptcy and the average amounts per the state (United States) where the property is located. Escrow Advance ArrearsData_LMDTRM_amt_escr of escrow shortage for a defaulted loan Escrow Shortage Foreclosure Fee Interest Arrears Payment Arrears Other Cost Modification Effective Date ew Servicing Rate w_adv ArrearsData_LMDTRM_amt_escr w_shrtg ArrearsData_LMDTRM_amt_fcl_f ee ArrearsData_LMDTRM_amt_int_ arr ArrearsData_FRBRPL_amt_paymt _arr ArrearsData_LMDTRM_amt_othr _cst LoanModAltData_LMDTRM_dt_ modtn_eff LoanModAltData_LMDTRM_rate _new_svcg_fee that is capitalized for a modified loan. The existing escrow shortage balance, premodification, on the loan being evaluated. This amount is informational only and is the basis for the Actual Monthly Escrow Shortage Payment. The dollar amount of fees and other costs associated with foreclosure based on the mortgages time in foreclosure and the average amounts per the state (United States) where the property is located. Dollar amount of interest arrears from the due date of last paid installment (DDLPI) to the effective date of the loan modification based on the premodification note rate and a 360 day year. Dollar amount of mortgage payment (principal and interest only) arrears from the due date of last paid installment (DDLPI to the effective date of the loan modification. This field is activated only for repayment and forbearance. Other costs associated with arrears including BPO, property inspections, etc. that are not listed elsewhere. Date on which the interest on the subject mortgage is beginning to accrue at the modified interest rate. The amount retained by the servicer as servicing compensation on the modified loan. This will be the post modification current servicing fee rate, not to exceed 37.5 Basis points. Conditional IF Foreclosure Fees Incurred Conditional IF other cost exists Date MM/DD/YYYY OR (7,5) 7

8 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Rate must be in decimal format (i.e. 6.15% should be uploaded as ) Forbearance Repayment Begin RepayData_FRBRPL_dt_frbnc_rp Date that forbearance/repayment plan starts. Date MM/DD/YYYY OR Date ymt_beg Borrower Drivers License State BorrInfoData_BORR_cd_drvr_licns Code indicating a particular state in the united AL, AK, AS, AZ, Code _st states in which the mortgaged property is located. (2) AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, I, IA, KS, KY, LA, ME, MD, MA, MI, M, MS, MO, MT, E, V, H, J, M, Y, C, D, OH, OK, OR, PA, PR, RI, SC, SD, T, TX, UT, VT, VI, VA, WA, WV, WI, WY Borrower umber of Automobiles BorrInfoData_BORR_cnt_autmbl umber of automobiles owned by borrower (3) Borrower umber of Children BorrInfoData_BORR_cnt_chldrn_da umber of children in daycare in Daycare ycare (3) Borrower Drivers Licence BorrInfoData_BORR_nbr_drvr_licn Borrower Drivers license number s (15) Borrower Daytime Extension BorrInfoData_BORR_nbr_ph_extn_ Borrower Daytime phone extension Phone umber daytm (6) Borrower Best time to Call BorrInfoData_BORR_text_best_tm_ Best time to call call (20) Borrower Salutation BorrInfoData_BORR_text_ltr_slttn Salutation for letters (e.g. Mr.) used for letters to borrowers, servicer contacts, etc. CoBorrower City BorrInfoData_COBORR1_addr_city The city in which the co-borrower is located. (20) CoBorrower State BorrInfoData_COBORR1_addr_st The state in which the co-borrower is located. (2) 8 Conditional IF Coborrower exists Conditional IF Coborrower exists AL, AK, AS, AZ, AR, CA, CO, CT,

9 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / DE, DC, FL, GA, GU, HI, ID, IL, I, IA, KS, KY, LA, ME, MD, MA, MI, M, MS, MO, MT, E, V, H, J, M, Y, C, D, OH, OK, OR, PA, PR, RI, SC, SD, T, TX, UT, VT, VI, VA, WA, WV, WI, WY CoBorrower Street ame BorrInfoData_COBORR1_addr_strt The street address of the co-borrower. (30) Co-Borrower Property Zipcode BorrInfoData_COBORR1_addr_zip The first five digits of the zip code for the co- Address borrower s location (9) Co-Borrower Drivers License BorrInfoData_COBORR1_cd_drvr_l Code indicating a particular state in the united State Code icns_st states in which the mortgaged property is located. (2) Conditional IF Coborrower exists Conditional IF Coborrower exists AL, AK, AS, AZ, AR, CA, CO, CT, DE, DC, FL, GA, GU, HI, ID, IL, I, IA, KS, KY, LA, ME, MD, MA, MI, M, MS, MO, MT, E, V, H, J, M, Y, C, D, OH, OK, OR, PA, PR, RI, SC, SD, T, TX, UT, VT, VI, VA, WA, WV, WI, WY Co-Borrower Drivers License BorrInfoData_COBORR1_nbr_drvr Co-borrower Driver s license number umber _licns (15) Co-Borrower Daytime BorrInfoData_COBORR1_nbr_ph_e Co- borrower s Daytime phone extension 9

10 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Extension Phone umber xtn_daytm Borrower 1 401K BorrAssetData_BOPF1_amt_401k Total net value of vested balance of the borrower s 401(k) account (including the employer match). Borrower 1 Automobile 1 BorrAssetData_BOPF1_amt_autm The net value of the borrower s automobile (cars - et value bl_1 and trucks). Determined by subtracting the amount owed from the estimated resale value. Borrower 1 checking account BorrAssetData_BOPF1_amt_chck Balances in all checking account including now balance ng and money market accounts. Borrower 1 IRA BorrAssetData_BOPF1_amt_ira Total net value of the borrower s individual retirement account including interest (do not deduct an amount for penalty). Borrower 1 Other Debt BorrAssetData_BOPF1_amt_othr_ dbt Borrower 1 Other Real Estate Borrower 1 Personal Property Borrower 1 Primary Home BorrAssetData_BOPF1_amt_othr_ re BorrAssetData_BOPF1_amt_persl _ppty BorrAssetData_BOPF1_amt_prim _home Borrower 1 Stock Bond BorrAssetData_BOPF1_amt_stock _bond Current balances of all credit cards, secured and unsecured lines of credit, personal notes, student loans, IRS payments or other debts. The net value of the borrower s non-primary residence real estate holdings (include manufactured housing, land, and timeshare). Determined by subtracting the amount owed from the estimated market value. The net value of all furniture, fixtures, equipment, jewelry, boats, household goods, and other personal possessions of the borrower. Determined by subtracting the amount owed from the estimated market value. The net value of the borrower s primary residence. Determined by subtracting the amount owed from the estimated market value. Estimated net value of all stocks and bonds computed by multiplying the number of shares times the current stock price. Borrower 1 Savings BorrAssetData_BOPF1_amt_svngs Balances in all passbook and statement savings accounts (not including certificates of deposit, but including savings bond). Borrower 2 401K BorrAssetData_BOPF2_amt_401k Total net value of vested balance of the coborrower s 401(k) account (including the 10

11 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / employer match). Borrower 2 Automobile 1 BorrAssetData_BOPF2_amt_autm The net value of the co- borrower s automobile - et value bl_1 (cars and trucks). Determined by subtracting the Borrower 2 checking account balance BorrAssetData_BOPF2_amt_chck ng amount owed from the estimated resale value. Balances in all co- borrower s checking account including now and money market accounts. Borrower 2 IRA BorrAssetData_BOPF2_amt_ira Total net value of the co- borrower s individual retirement account including interest (do not deduct an amount for penalty). Borrower 2 Other Debt BorrAssetData_BOPF2_amt_othr_ dbt Borrower 2 Other Real Estate Borrower 2 Personal Property Borrower 2 Primary Home BorrAssetData_BOPF2_amt_othr_ re BorrAssetData_BOPF2_amt_persl _ppty BorrAssetData_BOPF2_amt_prim _home Borrower 2 Stock Bond BorrAssetData_BOPF2_amt_stock _bond Current balances of all co- borrower s credit cards, secured and unsecured lines of credit, personal notes, student loans, IRS payments or other debts. The net value of the co- borrower s non-primary residence real estate holdings (include manufactured housing, land, and timeshare). Determined by subtracting the amount owed from the estimated market value. The net value of all co- borrower s furniture, fixtures, equipment, jewelry, boats, household goods, and other personal possessions of the borrower. Determined by subtracting the amount owed from the estimated market value. The net value of the co- borrower s primary residence. Determined by subtracting the amount owed from the estimated market value. Estimated net value of all co- borrower s stocks and bonds computed by multiplying the number of shares times the current stock price. Borrower 2 Savings BorrAssetData_BOPF2_amt_svngs Balances in all co- borrower s passbook and statement savings accounts (not including certificates of deposit, but including savings bond). 11 Conditional IF Borrower 2 exists Conditional IF Borrower 2 exists Conditional IF Borrower 2 exists Conditional IF Borrower 2 exists Conditional IF Borrower 2 exists Conditional IF Borrower 2 exists Borrower Automobile Loan 1 BorrExpenseData_BOPF1_amt_au Monthly payment for automobile loan on the tmbl_loan_1 borrower s first automobile. Borrower Car Maintenance Average monthly expenditure for car maintenance.

12 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Borrower Child Care BorrExpenseData_BOPF1_amt_ch Monthly dollar amount paid by the borrower to ild_care cover child care costs. Borrower Credit Card - BorrExpenseData_BOPF1_amt_cr Total minimum monthly payments for all credit Monthly payments _card cards such as Visa, Mastercard, Discover, gas Borrower HOA Fee BorrExpenseData_BOPF1_amt_ho a_condo_fee credit cards, etc. ormal monthly fees paid to homeowners association/condominium association. Conditional IF HOA expenses exist Borrower Grocery Toiletry Borrower Health Insurance Borrower Heating Electricity Borrower Insurance Borrower Medical Expense Borrower Other Borrower Other Mortgage Borrower Property Maintenance BorrExpenseData_BOPF1_amt_gr cry_tltry BorrExpenseData_BOPF1_amt_he alth_ins BorrExpenseData_BOPF1_amt_ht g_elctrcty BorrExpenseData_BOPF1_amt_in s BorrExpenseData_BOPF1_amt_m edcl_expns BorrExpenseData_BOPF1_amt_ot hr BorrExpenseData_BOPF1_amt_ot hr_mrtg BorrExpenseData_BOPF1_amt_pp ty_maint Average monthly expense for groceries and personal hygiene products, such as soap and cosmetics. Monthly health insurance cost, not deducted from paycheck. Average monthly bill for heating and electricity on properties other than investment properties and second homes. Monthly average homeowners, flood, private mortgage or credit life insurance owed on investment properties and second homes (if the borrower receives a yearly bill, divide it by 12 to determine the average monthly cost). Calculated or overridden dollar a mount to maintain insurance on the subject property. Average monthly cost for all medical expenses not covered by insurance. Other average monthly expenses not recorded in other financial categories. Monthly dollar amount of principal, interest, taxes, and insurance (PITI) on any mortgage other than the borrower s primary residence and investment properties listed above. Average monthly cost on investment properties and second homes to cover property maintenance expenses such as lawn mowing, etc., not including 12

13 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / capital improvement. Borrower Utility BorrExpenseData_BOPF1_amt_utl Average monthly utilities including electric, water, y gas, trash, oil, sewer on investment properties and second homes that the borrower is responsible for Borrower 1 401K Other Saving Borrower 1 Alimony Received Borrower 1 Disability Borrower 1 Federal Income Tax Borrower 1 Gross Property Rent Borrower 1 Laundry Income Borrower 1 Other Income Borrower 1 Other Property Income Borrower 1 Parking Income BorrIncomeData_BOPF1_amt_401 k_othr_svng BorrIncomeData_BOPF1_amt_ali mony_rcvd BorrIncomeData_BOPF1_amt_dis ablty BorrIncomeData_BOPF1_amt_fed _incm_tax BorrIncomeData_BOPF1_amt_gr_ ppty_rnt BorrIncomeData_BOPF1_amt_lau ndry_incm BorrIncomeData_BOPF1_amt_oth r_incm BorrIncomeData_BOPF1_amt_oth r_ppty_incm BorrIncomeData_BOPF1_amt_prk ng_incm paying. Monthly dollar amount deducted from the borrower s sources of income and into 401(k) or other savings accounts. Monthly dollar amount received by the borrower as alimony. Disability amount. Monthly dollar amount deducted from the borrower s sources of income to cover federal income tax due. Gross monthly rent received on all investment properties, including 2-4 unit properties. Monthly dollar amount received for laundry facilities. Applies to all 2-4 unit and investment properties. Miscellaneous monthly dollar amount received by the borrower that does not fit into other financial categories. (i.e. Food stamps, welfare, unemployment, disability income, relocation benefits, income from children, etc.) Monthly dollar amount received for a property as miscellaneous income that does not fit into other financial categories. Applies to all 2-4 unit and investment properties. Monthly dollar amount received for parking facilities. Applies to all 2-4 unit and investment properties. Unemployment income amount. 13 Borrower 1 Unemployment BorrIncomeData_BOPF1_amt_une Income mplmt_incm Borrower 2 401K Other Saving BorrIncomeData_BOPF2_amt_401 Monthly dollar amount deducted from the co-

14 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / k_othr_svng borrower s sources of income and into 401(k) or other savings accounts. Borrower 2 Alimony Received BorrIncomeData_BOPF2_amt_ali Monthly dollar amount received by the coborrower mony_rcvd as alimony. Borrower 2 Disability BorrIncomeData_BOPF2_amt_dis Co- borrower s disability amount. ablty Borrower 2 Federal Income Tax BorrIncomeData_BOPF2_amt_fed Monthly dollar amount deducted from the co- _incm_tax borrower s sources of income to cover federal Borrower 2 Gross Property Rent Borrower 2 Laundry Income Borrower 2 Other Income Borrower 2 Other Property Income Borrower 2 Parking Income Borrower 2 Unemployment Income Borrower Cash Contribution BorrIncomeData_BOPF2_amt_gr_ ppty_rnt BorrIncomeData_BOPF2_amt_lau ndry_incm BorrIncomeData_BOPF2_amt_oth r_incm BorrIncomeData_BOPF2_amt_oth r_ppty_incm BorrIncomeData_BOPF2_amt_prk ng_incm BorrIncomeData_BOPF2_amt_une mplmt_incm ContribData_LMDTRM_amt_bor_ cash_ctrbn income tax due. Gross monthly rent received by co-borrower on all investment properties, including 2-4 unit properties. Monthly dollar amount received by co-borrower for laundry facilities. Applies to all 2-4 unit and investment properties. Miscellaneous monthly dollar amount received by the co-borrower that do not fit into other financial categories. (I.E. Food stamps, welfare, unemployment, disability income, relocation benefits, income from children, etc.) Monthly dollar amount received by co-borrower for a property as miscellaneous income that does not fit into other financial categories. Applies to all 2-4 unit and investment properties. Monthly dollar amount received b co-borrower for parking facilities. Applies to all 2-4 unit and investment properties. Co- borrower s Unemployment income amount. Dollar amount in cash that the borrower will contribute towards the delinquent UPB/interest. 14 Conditional IF Borrower has Cash Contribution Modifictaion Closing Cost ContribData_LMDTRM_amt_clsg Dollar amount of closing costs associated with the _cst process of modifying the terms of a mortgage. Freddie Mac Contribution ContribData_LMDTRM_amt_fm_ Dollar amount Freddie Mac will contribute toward Conditional IF funds

15 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Repair ctrbtn_rpr repairs. provided from Freddie Mac o ote MI Contribution ContribData_LMDTRM_amt_n_nt Dollar amount from the mortgage insurance Conditional IF classic Advance _ctrbn_adv company as a partial claim payment without Mod and MI advanced ote MI Contribution Advance Small Business Admin Partial Refinance Contribution ContribData_LMDTRM_amt_note _ctrbn_adv ContribData_LMDTRM_amt_sba_ prtl_ctrbn repayment from the borrower. Dollar amount from the mortgage insurance company as a partial claim payment advance with repayment from the borrower. Dollar amount that the small business administration (SBA) will contribute towards delinquent amounts for mortgages involved in disasters. 15 Broker Attorney Phone Extension umber CntctData_BRKATYLB_nbr_ph_ex tn Phone extension of the Servicer contact. (4) Second Lien UPB LoanData_WKMDL_amt_sec_lien_ The second lien unpaid principal balance. upb Secondary Lien Company ame LoanData_WKMDL_name_sec_lien The name for the Secondary Lien Company _co (60) Second Lien Contact ame LoanData_WKMDL_name_seclien_ The contact name for the second lien. cntct (60) Second Lien Phone Extension LoanData_WKMDL_nbr_ph_extn_s The contact phone number extension of the second Contact ec lien. (4) Fax umber Contact Second LoanData_WKMDL_nbr_ph_fax_se The contact fax number of the second lien. Lien c Phone umber Second Lien LoanData_WKMDL_nbr_ph_sec The phone number of the second lien contact. Contact Secondary Hardship Reason LoanData_spec_second_rsn A code indicating the nature of hardship for the borrower. (3) funds Conditional IF classic Mod and MI advanced funds Conditional IF classic Mod and SBA advanced funds 003, 004, 005, 006, 007, 014, 015, 016, 017, 019, 023, 026, 027, 029, 030, 031, 032, 033, 034, 035, 037, 038, 039, 040, 041, 042, 043, 044, 045, 046, 047, 048, 049, 050, 051, 052,

16 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / 053, 054, 055, 056, 057, 058, 059, 060, 061, IC After Mod - Other Escrow Flag LoanModAltData_LMDTRM_flag _othr_escrw Flag that indicates whether an escrow amount other than for real estate taxes and mortgage/hazard insurance has been set aside for the subject property (before and after the modification). Conditional IF Classic Mod ote: See User Manual for value definitions Y First Year Override Percent Premium Servicing Rate Before Mod - Insurance Escrow Flag Before Mod - Other Escrow Flag Before Mod - Tax Escrow Flag LoanModAltData_LMDTRM_pct_ first_yr_ovrd LoanModAltData_LMDTRM_rate _prem_svcg_fee LoanModAltData_WKMDL_flag_in s_escrw LoanModAltData_WKMDL_flag_ot hr_escrw LoanModAltData_WKMDL_flag_ta x_escrw The 1st year rate entered by a specialist which overrides the system calculated ability to pay based interest rate for the first year. Rate must be in decimal format (i.e. 6.15% should be uploaded as ) of servicing compensation retained in addition to the new servicing fee recorded in basis points. Rate must be in decimal format (i.e. 6.15% should be uploaded as ) Flag that indicates whether an escrow amount for real estate mortgage/hazard insurance has been set aside for the subject property (before and after the modification). Flag that indicates whether an escrow amount other than for real estate taxes and mortgage/hazard insurance has been set aside for the subject property (before and after the modification). Flag that indicates whether an escrow amount for real estate taxes has been set aside for a particular property (before and after the modification). (7,5) (7,5) Conditional IF Classic Mod Conditional IF Classic Mod Conditional IF Classic Mod Y Y Y 16

17 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Condo Flag PropertyData_PPTY_flag_condo An indication that a property is considered a Conditional IF Classic Y condominium. Mod Third Party Value PropertyData_WKMDL_amt_thrd_p rty_val Identifies the third party value amount. (11,2) Conditional IF Third Party Sale Contract Date PropertyData_WKMDL_dt_cntrct The date the sales contract is signed. Date MM/DD/YYYY OR Date Property Listed On MLS PropertyData_WKMDL_dt_ppty_lis t_ml Date the property was listed on the MLS list. Date MM/DD/YYYY OR umber of Bedrooms PropertyData_WKMDL_cnt_nbr_bd Contains the number of bedrooms. rm (2) umber of Bathrooms PropertyData_WKMDL_nbr_btrm Contains the number of bathrooms (4) Tenant 1 Tenant ame TT1_name_tnt The full formal name e.g. First, middle initial, and last name for tenant 1. (30) Tenant 1 Phone umber TT1_nbr_tnt_ph Telephone number of the tenant 1 Tenant 1 Monthly Rent PropertyData_TT1_amt_mol_rnt The dollar amount paid by the tenant 1 on a monthly basis to lease living space on a property. Tenant 1 Past Due Rent TT1_amt_past_due_rnt The total dollar amount of monthly rent that is past due from the tenant 1. Tenant 1 Lease Expiration Date TT1_dt_lse_exptn Date on which a particular tenant 1 lease of a property or a particular living space is due to Date MM/DD/YYYY OR expire or end. Tenant 2 Tenant ame TT2_name_tnt The full formal name (e.g. First, middle initial, and last name for tenant 2.) (30) Tenant 2 Phone umber TT2_nbr_tnt_ph Telephone number of the tenant 2 Tenant 2 Monthly Rent PropertyData_TT2_amt_mol_rnt The dollar amount paid by the tenant 2 on a monthly basis to lease living space on a property. Tenant 2 Past Due Rent TT2_amt_past_due_rnt The total dollar amount of monthly rent that is past due from the tenant 2. Tenant 2 Lease Expiration Date TT2_dt_lse_exptn Date on which a particular tenant 2 lease of a property or a particular living space is due to 17 Date MM/DD/YYYY OR

18 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / expire or end. Tenant 3 ame TT3_name_tnt The full formal name e.g. First, middle initial, and last name for tenant 3. (30) Tenant 3 Phone umber TT3_nbr_tnt_ph Telephone number of the tenant 3 Tenant 3 Monthly Rent PropertyData_TT3_amt_mol_rnt The dollar amount paid by the tenant 3 on a monthly basis to lease living space on a property. Tenant 3 Past Due Rent TT3_amt_past_due_rnt The total dollar amount of monthly rent that is past due from the tenant 3. Tenant 3 Lease Expiration Date TT3_dt_lse_exptn Date on which a particular tenant 3 lease of a Date MM/DD/YYYY OR property or a particular living space is due to expire or end. Tenant 4 ame TT4_name_tnt The full formal name e.g. First, middle initial, and last name for tenant 3. (30) Tenant 4 Phone umber TT4_nbr_tnt_ph Telephone number of the tenant 4 Tenant 4 Monthly Rent PropertyData_TT4_amt_mol_rnt The dollar amount paid by the tenant 4 on a monthly basis to lease living space on a property. Tenant 4 Past Due Rent TT4_amt_past_due_rnt The total dollar amount of monthly rent that is past due from the tenant 4. Tenant 4 Lease Expiration Date TT4_dt_lse_exptn Date on which a particular tenant 4 lease of a property or a particular living space is due to expire or end. Market Rent Age of Property Count Units Occupied Count Arms Length Flag PropertyData_WKMDL_amt_mkt_r nt PropertyData_WKMDL_cnt_age_of _ppty PropertyData_WKMDL_cnt_units_o ccpyd PropertyData_WKMDL_flag_arms_ len Date MM/DD/YYYY OR Dollar amount of the average rent for the subject property. The number of years since the subject property was built. (4,1) umber of units occupied for the subject property. 0, 1, 2, 3, or 4 Flag that indicates whether the purchaser is related to the borrower. Conditional IF Short Sale Y Disaster Flag PropertyData_WKMDL_flag_disatr Flag that indicates whether the subject property is damaged by a natural disaster, such as a hurricane, tornado, or earthquake. Y 18

19 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / MLS Listed Flag PropertyData_WKMDL_flag_mls MLS listed flag. Y Tenant Problem Flag Units Rented Flag PropertyData_WKMDL_flag_tnt_pr ob PropertyData_WKMDL_flag_units_ rntd Flag that indicates whether there are any problems, financial or otherwise, with the tenant of the subject property. Flag that indicates whether at least one or more of the units available for rent within the subject property are actually rented. Y Y Suspense/Restricted Escrow HampData_HAMPLTRMS_amt_s uspns_escrw Total funds that are currently being held in suspense, and have not yet been allocated or posted. (8, 2) max value of: Actual Monthly Escrow Shortage Payment HampData_HAMPLTRMS_amt_ mol_escrw_shrtg_paymt The amount that the borrower is currently required to pay for an existing escrow shortage. It is the monthly payment related to the Actual Escrow Shortage. This amount is included in the premodified PITIAS that is used for calculating the Current Monthly Housing Expense Ratio, which must be greater than 31% to be eligible for HAMP. (8, 2) max value of: Freddie Mac PMMS Rate HampData_HAMPLTRMS_rate_f m_pmms The average rate for a 30-year fixed-rate mortgage, as determined by Freddie Mac's Primary Mortgage Market Survey (PMMS). Survey data is collected from Monday through Wednesday and the results are posted on FreddieMac.com on Thursdays. Rate must be in decimal format (i.e. 6.15% should be uploaded as ). (7,6) PMMS Rate Date Evaluation Date HampData_HAMPLTRMS_dt_pm ms_rate HampData_HAMPLTRMS_dt_loa n_modtn_doctn_prep Date on which PMMS Rate was published. Date MM/DD/YYYY OR Date on which the Servicer completed the Date MM/DD/YYYY OR evaluation of the borrower for eligibility in the 19

20 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / HAMP program. All Other Monthly Expenses HampData_HAMPLTRMS_amt_a ll_othr_mol_expns Monthly Liabilities HampData_HAMPLTRMS_amt_t ot_mol_liab Other monthly expenses identified on the Form 1126 "Borrower Financial Statement" such: Auto expenses (gas, insurance), Medical (Co-pays and Rx), Health insurance (not withheld from pay), Water/Sewer/Utilities/Phone and Life Insurance Payments (not withheld from pay) Monthly payments due on the following: - Installment debt, revolving accounts, HELOCs, student loans - Alimony and separate maintenance payments with more than 10 months of payments remaining - Car lease payments, regardless of the number of months remaining - Aggregate negative net rental income from all investment properties owned - Monthly mortgage payment for second home - Payments on any subordinate lien (8, 2) max value of: (8, 2) max value of: Borrower FICO Co-Borrower FICO First Payment Date at Origination Unpaid Principal Balance at Origination HampData_HAMPBORRFI_nbr_c urr_fico_scr HampData_HAMPCOBORR1FI_n br_curr_fico_scr HampData_HAMPLTRMS_dt_sch edd_1st_paymt HampData_HAMPLTRMS_amt_p ch_upb The current FICO score of the borrower from credit repositories. Valid if collected in the last 90 days. The FICO score of the co-borrower from credit repositories. Valid if collected in the last 90 days. 20 (3) (3) Conditional IF Co- Borrower exists where the length is less than or equal to 3 where the length is less than or equal to 3 First payment date at origination of loan. Date MM/DD/YYYY OR Unpaid Principal Balance at Origination.

21 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / ext ARM Reset Rate HampData_HAMPLTRMS_rate_n Interest rate to which ARM will reset on the reset Conditional IF Loan is xt_arm_rset date. Rate must be in decimal format (i.e. 6.15% (7,5) an ARM ARM Reset Date Modification Fees MI Partial Claim HampData_HAMPLTRMS_dt_nxt _rtadj_eff HampData_HAMPLTRMS_amt_l oan_modtn_fee HampData_HAMPLTRMS_amt_ mi_prtl_clm should be uploaded as ) Date on which the interest rate of an adjustable rate mortgage (ARM) will reset, and the monthly payment will be recalculated Fees that will be reimbursed by the investors, including notary fees, property valuation, and other required fees. After a modification fails to pass the TPV test, this is the amount he MI agrees to pay at the time of HAMP modification (if a modification occurs). Date (8, 2) max value of: Conditional IF Loan is an ARM Conditional if MI Partial Claim Exists MM/DD/YYYY OR Imminent Default Indicator Original Interest Rate Original Term (in months) HampData_HAMPLTRMS_nbr_i mnnt_dflt_cr_scr HampData_HAMPLTRMS_rate_o rigl_int HampData_HAMPLTRMS_cnt_or igl_amtn_term A Boolean flag that is set to 1 for yes or 2 for no that will be used to identify the likelihood of a current loan entering a potential loss-producing default, and ultimately REO status. The interest rate of the loan at origination. Report 5 decimal places. Rate must be in decimal format (i.e. 6.15% should be uploaded as ). The total number of months, at the time of origination, the borrower has to satisfy the mortgage debt for the existing mortgage. For example, if borrower has a 30-year mortgage, the original term in months is 360 (7,5) (3) Conditional IF Borrower is 0 to 59 days late 1 2 where the length is less than or equal to 3 Remaining Term (in months) Loan Origination Date HampData_HAMPLTRMS_cnt_re mg_term_mo HampData_HAMPLTRMS_dt_not e_orign The total number of remaining months that the borrower has to satisfy the mortgage debt. 21 (3) where the length is less than or equal to 3 The date the loan was originated. Date MM/DD/YYYY OR WP2 will overwrite and ignore any value that is sent.

22 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / Loan Product HampData_HAMPLTRMS_cd_dl The general classification of the loan. Servicer p must provide one of 3 allowed product types: (3) Actual Escrow Shortage HampData_HAMPLTRMS_amt_a ctl_escrw_shrtg ARM, FRM, IO. The existing escrow shortage balance, premodification, on the loan being evaluated. This amount is informational only and is the basis for the Actual Monthly Escrow Shortage Payment. [This number goes nowhere and is not included in any calculations.] (8, 2) max value of: Borrower Monthly Gross Income Co-Borrower Monthly Gross Income Borrower Monthly et Income Co-Borrower Monthly et Income HampData_BOPF1_amt_mol_gr_i ncm HampData_BOPF2_amt_mol_gr_i ncm HampData_BOPF1_amt_net_persl _incm HampData_BOPF1_amt_net_persl _incm Total monthly dollar amount received by the borrower as income before taxes have been taken out. Summation of base salary, overtime, commission, bonus, interest/dividends, alimony received, social security, rental, and other income items. Total monthly dollar amount received by the coborrower as income before taxes have been taken out. Summation of base salary, overtime, commission, bonus, interest/dividends, alimony received, social security, rental, and other income items. Total monthly dollar amount received by the borrower as income after taxes, 401k, and other deductions (medical/life insurance, credit union loans, garnishment, Christmas club, etc.) Have been taken out. Total monthly dollar amount received by the coborrower as income after taxes, 401k, and other deductions (medical/life insurance, credit union loans, garnishment, Christmas club, etc.) Have been taken out. Conditional IF Co- Borrower exists Conditional IF Co- Borrower exists Borrower Monthly Gross Unemployment Income HampData_HAMPBORRFI_amt_ mol_gr_unemplmt_incm Borrower Monthly Gross Unemployment Income (8, 2) max value Conditional IF receives Unemployment 22

23 Field ame Tag ame Field Description Data Type/Size /Conditional Valid Values / of: Co-Borrower Monthly Gross HampData_HAMPCOBORR1FI_a Co- borrower s Monthly Gross Unemployment Unemployment Income mt_mol_gr_unemplmt_incm Income (8, 2) max value of: Conditional IF Co- Borrower Exists and IF receives unemployment TPV Value Mod TPV Value o Mod TPV Run Date HAMP Status Imminent Default Hardship Reason HampData_HAMPLTRMS_amt_tr sy_npv_modtn HampData_HAMPLTRMS_amt_tr sy_npv_curr HampData_HAMPLTRMS_dt_trs y_npv_mdl_run HampData_HAMPLTRMS_cd_ha mp_phase_sts HampData_HAMPIMDFLTRS_cd _hamp_imnnt_dflt_hrdshp_rsn TPV value of modifying the loan Conditional IF HAMP Mod TPV value of not modifying the loan Conditional IF HAMP Mod Date the TPV test was run Date Conditional IF HAMP MM/DD/YYYY OR Mod Indicates the status of the HAMP loan with respect 1, 5, or 8 to the HAMP phase. Valid status: Draft, Final Reject, and Final Approve. Allowable borrower or co-borrower hardship that (3) Conditional IF HAMP 001, 002, 003, 004 occurred after the mortgage was originated and is Mod & borrower has currently causing, and is expected to continue to Imminent Default ote: See User cause, a long term or permanent decrease in Indicator Result 2 Manual for value income, or increase in expenses, which make the definitions borrower eligible for Imminent Default status. ote: When s are present as a value in the Data Type/Size fields as e.g. (3,2), it indicates that the total digits in the input field is not to exceed the first number indicated in the parenthesis and the number following the comma indicates that there are to only be that many digits after the decimal point for the data. For example, (3,2) might be 1.02 as an input. Which is total of three digits, two of them following the decimal point. 23