implementation guide for loan delivery data - fannie mae … · implementation guide for loan...

MISMO is a registered trademark of the Mortgage Industry Standards Maintenance Organization. MERS is a registered trademark of

MERSCORP, Inc. Desktop Underwriter and DU are registered trademarks of Fannie Mae. Condo Project Manager and CPM are

trademarks of Fannie Mae.

Fannie Mae

Implementation Guide for Loan Delivery Data

© 2014 Fannie Mae. Trademarks of respective owners.

Appendix B: Fannie Mae Usage Scenarios

Document Version 1.0.3

September 23, 2014

Document Version and Revision History

Date Version # Description

August 25, 2010 1.0

Initial version. Appendix B: Fannie Mae Usage Scenarios content is consistent with

Appendix A: Fannie Mae XML Data Requirements and Appendix D: Fannie Mae XML

Data Reference Version 1.0.3.

May 24, 2011 1.0.1

Updated Appendix B: Fannie Mae Usage Scenarios content to mirror the data

conditionality published in Appendix A - XML Data Requirements (Version 1.0.5) on

March 29, 2011. Retired Scenario 4.4 Escrows. Added two new scenarios: Scenario

4.5. Lender Paid Mortgage Insurance and Scenario 7. Fannie Mae Fixed-Rate

Modification – Whole Loan Delivery.

February 21, 2012 1.0.2

Updated content to fix the following discrepancies between the scenarios and test case

data.

Scenario 1: Property purchase date for PropertyValuationEffectiveDate and

LoanStateDate at Current container.

Scenario 2: LoanStateDate at Current container and LoanOriginatorType.

Scenario 3: LoanStateDate at Current container and PropertyValuationEffectiveDate.

Scenario 4: FinancedUnitCount, LegalEntityType, CreditRepositorySourceIndicator,

CreditRepositorySourceType and CreditScoreValue.

Scenario 5: CeilingRatePercent, InvestorContractIdentifier,

LoanAcquisitionScheduledUPBAmount and LoanOriginatorType.

Scenario 6: InvestorContractIdentifier

Scenario 7: Modification effective date, LoanMaturityPeriodCount and

NextRateAdjustmentEffectiveDate.

Global Update: HMDARateSpreadPercent has been changed to 1.6 for all scenarios.

September 23, 2014 1.0.3

Updated Sort ID 368-InvestorFeatureIdentifier data point in Scenario 2 and Scenario 5

tabs. Replaced the Special Feature Code (InvestorFeatureIdentifier) 214-Desktop

Underwriter Loan (Seller did not submit to DU) with Special Feature Code 127-

Desktop Underwriter Loan (Seller submitted to DU).

Appendix B: Fannie Mae Usage Scenarios of 57 Document Version: 1.0.3

Table of Contents

2

4

5

11

18

Scenario 4. Fannie Mae Loan Feature Component Scenarios

Scenario 4.1 Condominium ...……………………………………………………. 24

Scenario 4.2 Investment Property ...……………………………………………… 25

Scenario 4.3 Legal Entity Borrower ...……………………………………………. 26

Scenario 4.4 Mortgage Insurance ………………………………………………… 27

Scenario 4.5 Lender Paid Mortgage Insurance ..………………………………….. 28

Scenario 5. Fannie Mae ARM Pool ……………………………………………………. 29

Scenario 6. Fannie Mae Fixed-Rate Pool .……………………………………………… 41

Scenario 7. Fannie Mae Fixed-Rate Modification – Whole Loan Delivery ..…………….. 51

Document Version and Revision History ..………………………………………………..

Scenario 1. Fannie Mae Fixed-Rate 30-Year Purchase – Whole Loan Delivery .………..

Scenario 2. Fannie Mae ARM Refinance – Whole Loan Delivery ....……………………

Scenario 3. Fannie Mae Fixed-Rate 30-Year Purchase with Associated HELOC (Related Loan)

– Whole Loan Delivery ……………………………………………………..…..

Introduction ……………………………………………………………………………


Introduction Appendix B: Fannie Mae Usage Scenarios is designed to assist industry participants

implementing the MISMO Version 3.0 Reference Model in their loan delivery applications to

meet Fannie Mae’s requirements for submitting loan delivery data in the XML file format.

Although the basic loan delivery XML file format will be supported by both Fannie Mae and

Freddie Mac (the GSEs), there are differences in data conditionality for each GSE. Fannie

Mae will continue to maintain independent business processes and Appendix B: Fannie Mae

Usage Scenarios reflects required (R) and conditionally required (CR) data points that are

applicable to submitting loan delivery data in the XML file format to Fannie Mae. No single

loan will require all of the data points at loan delivery, and the usage scenarios do not include

all the CRs because several CR data points will apply only when a specific business condition

exists.

The Fannie Mae usage scenarios have been developed for several mortgage loan products that

capture fictitious data and do not relate to real people. The names, addresses, and Social

Security numbers were created at random. The scenarios illustrate how the loan delivery data

is populated within the corresponding MISMO data point supported in the loan delivery XML

file.

The Fannie Mae usage scenarios include a narrative, followed by the MISMO data points in

tabular format, which is organized by the hierarchical container structure. These usage

scenarios include the specific MISMO data points that are applicable to Fannie Mae Loan

Delivery for the following loan characteristics:

1. Fannie Mae Fixed-Rate 30-Year Purchase – Whole Loan Delivery

2. Fannie Mae ARM Refinance – Whole Loan Delivery

3. Fannie Mae Fixed-Rate 30-Year Purchase with Associated HELOC (Related Loan) –

Whole Loan Delivery

4. Fannie Mae Loan Feature Component Scenarios

4.1. Condominium

4.2. Investment Property

4.3. Legal Entity Borrower

4.4. Mortgage Insurance

4.5. Lender Paid Mortgage Insurance

5. Fannie Mae ARM Pool

6. Fannie Mae Fixed-Rate Pool

7. Fannie Mae Fixed-Rate Modification – Whole Loan Delivery

Note: The narratives do not mention all data points shown in the examples.


Scenario 1. Fannie Mae Fixed-Rate 30-Year Purchase – Whole Loan Delivery

Payee Information:

The lender has identified the funds for the loan purchase that will be wired to their account designated by Payee Code

999999999.

File Preparer Information:

The loan delivery XML file was prepared by a third-party vendor system assigned a preparer ID of ABCLender.

Note: Business rules/edits around date fields are fired due to fictitious dates provided in the scenario.

Scenario Note:

The information below is reflected in the Mandate section of data. The pre-mandate example is derived from the same

loan originating two years earlier, and the data in the example is adjusted accordingly.

Borrower Information:

John Quincy Smith, Jr. was born January 2, 1967 and is a U.S. citizens who identify himself as Black/African

American and not Hispanic or Latino. John’s SSN is 888-12-3456.

Property and Loan Information:

On January 15, 2012, John, a first time homebuyer, purchased a home for his primary residence, a detached, single-

family home built in 1998, located at 123 Main Street, Anytown, Virginia, 20191. The property was appraised on

January 4, 2012 for $200,000. John’s new mortgage is a 30-year, 80% LTV, fixed –rate conventional loan for $160,000

at 6% interest rate (rate locked on January 5, 2012). John’s loan has no special characteristics, prepayment penalties, or

associated second liens.

John’s loan application was received December 21, 2011. The loan casefile ID 9876543210 was submitted by the seller

to Desktop Underwriter (DU) on January 5, 2012 and received an Approve/Eligible recommendation. Include Investor

Feature Code 127.

John qualified for the loan with $12,500 documented monthly income and an Equifax middle credit score by 730. His

new monthly liabilities total $2,500, which includes his new P&I payment of $959.28 and total housing expense of

$1,125.

Appraiser Information:

The property was appraised by an appraiser whose license number is 123456ABC. His supervisor’s license number is

1234ABC. The resulting full appraisal was assigned an appraisal identifier of 1234567890.

Custodian Information:

The loan documents are being held by the Fannie Mae Document Custodian. The FIN (Financial Institution Number) is

99999398668.

Investor Information:

The lender requested a 30-Yr. Fixed Rate Commitment #123456.

The property is not located in a Special Flood Hazard Area, and flood insurance has not been obtained by either the

borrower or the lender. An Investor Feature Code of 180 must be provided even if the PropertyFloodInsuranceIndicator

and SpecialFloodHazardIndicator are present.

Originator Information:

The loan origination company has an identifier of 777777. The loan officer’s identifying number is 555555. The lender

assigned it a loan number of 123456789. The loan was registered with MERS and assigned a MIN of

987654321123456000. The bank delivered the mortgage to Fannie Mae on January 25, 2012.



Conditionality Value

MESSAGE-level data points

1 MISMOReferenceModelIdentifier R 3.0.0.263.12

2 AboutVersionIdentifier R FNM 1.0

3 CreatedDatetime R 2012-02-25T09:07:33

10 AddressLineText R 123 Main Street

14 CityName R Anytown

16 PostalCode R 20191

18 StateCode R VA

24 SpecialFloodHazardAreaIndicator R false

42 ProjectClassificationIdentifier CR G

49 PUDIndicator R false

50 AttachmentType R Detached

51 ConstructionMethodType R SiteBuilt

57 FinancedUnitCount R 1

63 PropertyEstateType R FeeSimple

65 PropertyFloodInsuranceIndicator R false

67 PropertyStructureBuiltYear R 1998

69 PropertyUsageType R PrimaryResidence

82 AppraisalIdentifier CR 1234567890

83 PropertyValuationAmount R 200000

84 PropertyValuationEffectiveDate CR 2012-01-04

89 PropertyValuationMethodType R FullAppraisal

91 CombinedLTVRatioPercent R 80

93 LoanRoleType R SubjectLoan

135 LoanAmortizationMaximumTermMonthsCount CR

136 LoanAmortizationPeriodCount R 360

137 LoanAmortizationPeriodType R Month

138 LoanAmortizationType R Fixed

195 PurchasePriceAmount CR 200000

Sort ID MISMO Data Point Name

Mandate Conditionality for App Recd Date After 12/1/11

LOANS

LOAN container where LoanRoleType = “SubjectLoan” and

LoanStateType = “AtClosing”

XPath: ….:…PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL

XPath: MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION

XPath: ....:.LOAN/FORM_SPECIFIC_CONTENTS/FORM_SPECIFIC_CONTENT/URLA/URLA_DETAIL

XPath: ....:.LOAN/AMORTIZATION/AMORTIZATION_RULE

XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN

XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/COMBINED_LTVS/COMBINED_LTV

XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADDR

XPath: ….:…PROPERTY/PROJECT/PROJECT_DETAIL

XPath: MESSAGE

XPath: ….:…PROPERTY/PROPERTY_DETAIL

COLLATERALS (property information)

XPath: ….:…PROPERTY/FLOOD_DETERMINATION/FLOOD_DETERMINATION_DETAIL

Payee Information:


999999999.









207 HMDA_HOEPALoanStatusIndicator R false

208 HMDARateSpreadPercent R 1.6

214 InterestCalculationPeriodType R Month

215 InterestCalculationType R Compound

224 ApplicationReceivedDate R 2011-12-21

225 AssumabilityIndicator R false

226 BalloonIndicator R false

227 BorrowerCount R 1

228 BuydownTemporarySubsidyIndicator R false

229 CapitalizedLoanIndicator R false

231 ConstructionLoanIndicator R false

232 ConvertibleIndicator R false

234 EscrowIndicator R false

237 InterestOnlyIndicator R false

238 LoanAffordableIndicator R false

240 PrepaymentPenaltyIndicator R false

241 RelocationLoanIndicator R false

243 SharedEquityIndicator R false

252 LoanStateDate R 2012-01-15

253 LoanStateType R AtClosing

254 BaseLTVRatioPercent R 80

255 LTVRatioPercent R 80

256 LoanMaturityDate R 2042-02-01

257 LoanMaturityPeriodCount R 360

258 LoanMaturityPeriodType R Month

268 InitialPrincipalAndInterestPaymentAmount R 959.28

270 PaymentFrequencyType R Monthly

272 ScheduledFirstPaymentDate R 2012-03-01

290 TotalLiabilitiesMonthlyPaymentAmount R 2500

291 TotalMonthlyIncomeAmount R 12500

292 TotalMonthlyProposedHousingExpenseAmount R 1125

311 PriceLockDatetime R 2012-01-05

313 LienPriorityType CR FirstLien

315 LoanPurposeType R Purchase

317 MortgageType R Conventional

319 NoteAmount R 160000

320 NoteDate CR 2012-01-15

321 NoteRatePercent R 6.00

322 AutomatedUnderwritingCaseIdentifier CR 9876543210

325AutomatedUnderwritingRecommendationDescript

ionCR ApproveEligible

326 AutomatedUnderwritingSystemType CR DesktopUnderwriter

328 LoanManualUnderwritingIndicator R false

XPath: ....:.LOAN/MATURITY/MATURITY_RULE

XPath:

....:.LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RULE

XPath: ....:.LOAN/LOAN_DETAIL

XPath: ....:.LOAN/LOAN_STATE

XPath: ....:.LOAN/SELECTED_LOAN_PRODUCT/PRICE_LOCKS/PRICE_LOCK

XPath: ....:.LOAN/TERMS_OF_MORTGAGE

XPath: ....:.LOAN/QUALIFICATION

XPath: ....:.LOAN/LTV

XPath: ....:.LOAN/UNDERWRITING/AUTOMATED_UNDERWRITINGS/AUTOMATED_UNDERWRITING

XPath: ....:.LOAN/PAYMENT/PAYMENT_RULE

XPath: ....:.LOAN/UNDERWRITING/UNDERWRITING_DETAIL

XPath: ....:.LOAN/HMDA_LOAN







368 InvestorFeatureIdentifier CR 180


378 InvestorOwnershipPercent R 100

381 InvestorRemittanceType R ActualInterestActualPrincipal

397 MortgageModificationIndicator R false

399 InvestorCommitmentIdentifier CR 123456

401 MERS_MINIdentifier CR 987654321123456000

402 SellerLoanIdentifier R 123456789

404 LoanProgramIdentifier CR LoanFirstTimeHomebuyer


406 LoanStateType R Current

429 PrimaryMIAbsenceReasonType CR NoMIBasedOnOriginalLTV

440 LastPaidInstallmentDueDate R 2012-02-01

442 UPBAmount R 160000

452DelinquentPaymentsOverPastTwelveMonthsCoun

tR 0

525 AppraiserLicenseIdentifier CR 123456ABC

528 PartyRoleType CR Appraiser


537 PartyRoleType CR AppraiserSupervisor

XPath: ....:.LOAN/LOAN_IDENTIFIERS/LOAN_IDENTIFIER

XPath: ....:.LOAN/MI_DATA/MI_DATA_DETAIL

XPath: ….:.PARTY/ROLES/ROLE/ROLE_DETAIL

XPath: ….:.PARTY/ROLES/ROLE/APPRAISER_SUPERVISOR/APPRAISER_LICENSE

Appraiser Supervisor




(Repeat container for each Identifier)

XPath: ….:.PARTY/ROLES/ROLE/APPRAISER/APPRAISER_LICENSE

XPath: ....:.LOAN/LOAN_PROGRAMS/LOAN_PROGRAM

XPath: ....:.LOAN/SERVICING/DELINQUENCY_SUMMARY

DEAL-level PARTY data points

Appraiser

XPath: ....:.LOAN/PAYMENT/PAYMENT_SUMMARY


(Investor Feature Code - Seller Submitted DU)


XPath: ....:.LOAN/INVESTOR_FEATURES/INVESTOR_FEATURE

XPath: ....:.LOAN/INVESTOR_LOAN_INFORMATION



LoanStateType = “Current”

(Investor Feature Code - SFC Flood Hazard)







540 FirstName CR John

541 LastName CR Smith

542 MiddleName CR Q

543 SuffixName CR JR

567 BorrowerAgeAtApplicationYearsCount CR 44

568 BorrowerBirthDate CR 1967-01-02

571 BorrowerClassificationType CR Primary

572 BorrowerMailToAddressSameasPropertyIndicator CR true

573 BorrowerQualifyingIncomeAmount CR 12500

582 CreditRepositorySourceIndicator CR true

583 CreditRepositorySourceType CR Equifax

590 CreditScoreValue CR 730

597 BorrowerFirstTimeHomebuyerIndicator CR true

598 CitizenshipResidencyType CR USCitizen

608 GenderType CR Male

609 HMDAEthnicityType CR NotHispanicOrLatino

610 HMDARaceType CR BlackOrAfricanAmerican

611 PartyRoleType R Borrower

613 TaxpayerIdentifierType CR SocialSecurityNumber

614 TaxpayerIdentifierValue CR 888123456

Document Custodian

620 PartyRoleIdentifier CR 99999398668

621 PartyRoleType R DocumentCustodian


628 PartyRoleType CR LoanOrignationCompany


635 LoanOriginatorType R Lender

637 PartyRoleType R LoanOriginator

Loan Originator



XPath: ….:.PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_IDENTIFIER

XPath: ….:.PARTY/ROLES/ROLE/LOAN_ORIGINATOR


Loan Origination Company

XPath: ….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/HMDA_RACES/HMDA_RACE

XPath: ….:.PARTY/TAXPAYER_IDENTIFIERS/TAXPAYER_IDENTIFIER


XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_

XPath: ….:.PARTY/ROLES/ROLE/BORROWER/CREDIT_SCORES/CREDIT_SCORE/CREDIT_SCORE_DETAIL

XPath: ….:.PARTY/ROLES/ROLE/BORROWER/DECLARATION/DECLARATION_DETAIL


XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DETAIL

XPath: ….:.PARTY/ROLES/ROLE/BORROWER/BORROWER_DETAIL

XPath: ….:.PARTY/INDIVIDUAL/NAME

Borrower







640 PartyRoleType R LoanSeller


643 PartyRoleType CR Payee


646 PartyRoleType R Servicer

687 PartyRoleIdentifier R ABCLender

688 PartyRoleType R LoanDeliveryFilePreparer

XPath: …PARTY/ROLES/ROLE/ROLE_DETAIL

DEAL_SETS-level PARTY data points



Servicer

XPath: MESSAGE/DEAL_SETS/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/

PARTY_ROLE_IDENTIFIER

XPath:


XPath:


LoanSeller

Payee

XPath:




Scenario 2. Fannie Mae ARM Refinance – Whole Loan Delivery

Scenario Note:




John Quincy Smith, Jr. and his wife, Nancy Smith, are U.S. citizens who identify themselves as Black/African

American and not Hispanic or Latino. John’s SSN is 888-12-3456; Nancy’s is 888-98-7654.


On January 15, 2012, John and Nancy closed on a no-cash out refinance mortgage for their primary residence, a

detached, single-family home built in 1998, located at 123 Main Street, Anytown, Virginia, 20191. The property was

appraised on January 1, 2012 for $200,000 and their new mortgage is a 30-year, 80% LTV, 5/1 adjustable-rate loan for

$160,000.

This loan has a 5-year initial fixed interest rate of 5.5% (rate locked on January 5, 2012), adjusting annually thereafter

with 5/2/6 rate adjustment caps. There is no lifetime floor. The adjustment is based on a 1-year LIBOR index published

daily in the Wall Street Journal with lookback period of 25 days and a margin of 2.0%.

The loan amount of $160,000 has no other special characteristics or associated second liens.

The loan application was received December 21, 2011. The loan casefile ID 9876543210 was submitted by a broker to

DU and received an Approve/Eligible recommendation. Investor feature identifier 214 must be included.

During the application process, the Smiths qualified for the loan with $12,500 documented joint monthly income

($7,000 from John, $5,500 from Nancy), with new monthly total liabilities of $2500, which includes their new P&I

payment of $908.46 and total housing expense of $1125. John’s Equifax credit score was 763; Nancy’s TransUnion

credit score was 730.





The loan documents are being held by the Fannie Mae Custodian. The FIN (Financial Institution Number) is

99999398668.


The lender requested a 1-Year LIBOR Arm Plan 2721, Margin 2.0, Nonconvertible Commitment #999999.

Fannie Mae will bear the default loss for the loan and the responsibility for marketing the property in case of default.

The borrower has obtained flood insurance on the property although it is not located in a Special Flood Hazard Area.

An InvestorFeatureCode of 175 must be provided even if the PropertyFloodInsuranceIndicator and

SpecialFloodHazardIndicator are present.

In addition, an InvestorFeatureCode of 7 (Limited/No Cash Out Refinance) must be included.


The loan was originated at a broker with a company identifier of 888888. The loan officer’s identifying number is

999999. The broker sold the loan to a bank. The loan, an eMortgage, was assigned a MERS MIN of











18 StateCode R VA








65 PropertyFloodInsuranceIndicator R true









Sort ID MISMO Data Point NameMandate Conditionality for App Recd Date After 12/1/11


LOANS


XPath: MESSAGE


XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/A



XPath:

….:…PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL






Payee Information:


999999999.


The loan delivery XML file was prepared by ABCLender.






110 IndexSourceType CR Other

111 IndexSourceTypeOtherDescription CR1YearWallStreetJournalLIBORRat

eDaily

113InterestAndPaymentAdjustmentIndexLeadDaysC

ountCR 25

114 CeilingRatePercent CR 11.5

115 FirstRateChangePaymentEffectiveDate CR 2017-03-01

117 InterestRateRoundingPercent CR 0.125

118 InterestRateRoundingType CR Nearest

119 MarginRatePercent CR 2.00

120 AdjustmentRuleType CR First

121 PerChangeMaximumDecreaseRatePercent CR 5

122 PerChangeMaximumIncreaseRatePercent CR 5

123 PerChangeRateAdjustmentEffectiveDate CR 2017-02-01

124PerChangeRateAdjustmentFrequencyMonthsCou

ntCR

12

120 AdjustmentRuleType CR Subsequent





ntCR

12




138 LoanAmortizationType R AdjustableRate














236 InitialFixedPeriodEffectiveMonthsCount CR 60







XPath:

....:.LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_

RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE

XPath: ....:.LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INDEX_RULES/INDEX_RULE

XPath:

....:.LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_RUL



(first rate change)

(subsequent rate change)

XPath:




















294 RefinanceCashOutDeterminationType CR LimitedCashOut



315 LoanPurposeType R Refinance



320 NoteDate CR 2012-01-15



325AutomatedUnderwritingRecommendationDescrip

tionCR

ApproveEligible




355 NextRateAdjustmentEffectiveDate CR 2017-02-01







XPath: ....:.LOAN/REFINANCE



XPath:

....:.LOAN/ADJUSTMENT/RATE_OR_PAYMENT_CHANGE_OCCURRENCES/RATE_OR_PAYMENT_CHANGE
















379 InvestorProductPlanIdentifier CR 2721


395 CurrentInterestRatePercent CR 5.50








436 PrincipalAndInterestPaymentAmount CR 908.46



452DelinquentPaymentsOverPastTwelveMonthsCou

ntR 0







542 MiddleName CR Q



XPath: ....:.LOAN/PAYMENT/PAYMENT_COMPONENT_BREAKOUTS/PAYMENT_COMPONENT_BREAKOUT








(primary borrower)






Borrower: (2 borrowers = 2 PARTY containers)

Appraiser
























540 FirstName CR Nancy




571 BorrowerClassificationType CR Secondary




583 CreditRepositorySourceType CR TransUnion



608 GenderType CR Female









(secondary borrower)








Document Custodian

XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PAR






XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DETA


XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DETA


















XPath:





Servicer


XPath:


Payee








XPath:




Loan Originator

LoanSeller


Scenario 3: Fannie Mae Fixed-Rate 30-Year Purchase with Associated HELOC (Related Loan) –

Whole Loan Delivery

Scenario Note:




John Quincy Smith, Jr. was born January 2, 1967, and is a U.S. citizen who identifies himself as Black/African

American (not Hispanic or Latino). His SSN is 888-12-3456.


On January 15, 2012, John (not a first time homebuyer) purchased a home for his primary residence, a detached, single-

family home built in 1998, located at 123 Main Street, Anytown, Virginia, 20191. The subject property was appraised on

January 1, 2012 for $300,000. His new mortgage is a 30-year, 80% LTV, fixed-rate loan for $240,000 at 6% interest rate

(rate locked on January 5, 2012). His loan has no special characteristics or prepayment penalties.

John also takes out a second lien (closing concurrently with the first) in the form of a HELOC for future use (no draw at

closing). The line of credit for the HELOC is $45,000.

John’s loan application was received on December 21, 2011. The loan casefile ID 9876543210 was submitted by the

lender to DU on January 5, 2012 and received an Approve/Eligible recommendation.

John qualified for the loan with $13,000 documented monthly income, an Equifax middle credit score of 730, and

monthly total liabilities of $2,860, which includes his new P&I payment of $1,438.92 and total housing expense of

$1,820.





The loan documents are being held by the Fannie Mae Custodian. The FIN (Financial Institution Number) is

99999398668.


The lender requested a 30-Yr. Fixed Rate Commitment #999999.

The property is not located in a Special Flood Hazard Area and flood insurance has not been obtained by either the

borrower or the lender. An Investor Feature Identifier of 180 must be provided even if the

PropertyFloodInsuranceIndicator and SpecialFloodHazardIndicator are present. Include Investor Feature Identifier 127.


The loan was originated at a bank which has a company identifier of 777777. The loan officer’s identifying number is

555555. The bank assigned a loan number of 123456789. The loan, an eMortgage, was assigned a MERS MIN of


Payee Information:


999999999.






Whole Loan Delivery








18 StateCode R VA
















92 HomeEquityCombinedLTVRatioPercent CR 95










XPath:



LOANS





Mandate Conditionality for App Recd Date After

12/1/11

XPath: MESSAGE


XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/A










Whole Loan Delivery




12/1/11



































320 NoteDate CR 2012-01-15



325AutomatedUnderwritingRecommendationDescript

ionCR ApproveEligible




XPath:













Whole Loan Delivery




12/1/11














442 UPBAmount R 240000.00

452 DelinquentPaymentsOverPastTwelveMonthsCount R 0

510 LoanRoleType CR RelatedLoan

511 CurrentHELOCMaximumBalanceAmount CR 45000

512 HELOCBalanceAmount CR 0

513 HELOCIndicator CR true

514 LoanStateDate CR 2012-02-25

515 LoanStateType CR Current

517 LienPriorityType CR SecondLien

519 MortgageType CR Conventional



XPath: ....:.LOAN/HELOC/HELOC_OCCURRENCES/HELOC_OCCURRENCE





LOAN container where LoanRoleType = “RelatedLoan” and



















Whole Loan Delivery




12/1/11







542 MiddleName CR Q










597 BorrowerFirstTimeHomebuyerIndicator CR false











Appraiser




XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DET


XPath:






Document Custodian






Borrower



Whole Loan Delivery




12/1/11

















Servicer

XPath:







Payee

XPath:


Loan Originator




XPath:


LoanSeller






10 AddressLineText R 123 Main Street, Unit 57



18 StateCode R VA

39FNMCondominiumProjectManagerProjectIdentifi

erCR 987654321

42 ProjectClassificationIdentifier CR R

43 ProjectDesignType CR TownhouseRowhouse

47 ProjectLegalStructureType CR Condominium

48 ProjectName CR Scenic Park View Condominiums




XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/ADD



Scenario 4.1 Condominium

Property Information:

The property serving as collateral for the loan is a townhouse. The townhouse is part of the established, fully built-out

condominium project, Scenic Park View Condominiums, 123 Main Street, Unit 57, Anytown, VA 20191. This project

is not part of a Planned Unit Development. The project has been approved through Fannie Mae’s Condo Project

Manager™ (CPM™) Expedited Review, and the assigned identifier is 987654321.

The Loan Feature Component Scenarios provide short examples of common loan delivery components. The data set for

each scenario is limited to data points applicable to the specific component.




50 AttachmentType R Attached






69 PropertyUsageType R Investment

77 BedroomCount CR 2

78 PropertyDwellingUnitEligibleRentAmount CR 1000





XPath: ….:…PROPERTY/PROPERTY_UNITS/PROPERTY_UNIT/PROPERTY_UNIT_DETAIL


3 FinancedUnits = 3 containers, container 2 of 3


Sort ID





MISMO Data Point Name

Scenario 4.2 Investment Property

Property Information:

The borrower is purchasing a triplex, built in 1998, for investment purposes. Two of the units have two bedrooms and

will be rented for $1,000 per month, and the third unit has three bedrooms and will be rented for $1,500 per month.




544 FullName CR The Smith Trust

545 LegalEntityType CR LimitedLiabilityCompany

548 AddressLineText CR 100 Main St., P.O. Box 79

549 AddressType CR Mailing

554 CityName CR Suburbia

555 CountryCode CR US

557 PostalCode CR 44000

560 StateCode CR OH


572 BorrowerMailToAddressSameasPropertyIndicator CR false


582 CreditRepositorySourceIndicator CR

583 CreditRepositorySourceType CR

590 CreditScoreValue CR

608 GenderType CR NotApplicable

609 HMDAEthnicityType CR NotApplicable

610 HMDARaceType CR NotApplicable


613 TaxpayerIdentifierType CR EmployerIdentificationNumber





XPath: ….:.PARTY/ADDRESSES/ADDRESS


XPath: ….:.PARTY/LEGAL_ENTITY/LEGAL_ENTITY_DETAIL

Borrower


XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DETAIL




Scenario 4.3 Legal Entity Borrower


The borrower is a legal entity, The Smith Trust. The Smith Trust’s address is 100 Main Street, P.O. Box 79, Suburbia,

OH 44000. The Smith Trust is purchasing a property located at 123 Main Street, Anytown, VA 20191. The Smith

Trust has a monthly income of $13,000. The lender obtained The Smith Trust’s credit score of 763 from Equifax.





412 MICertificateIdentifier CR 111333555

413 MICompanyNameType CR Other

414 MICompanyNameTypeOtherDescription CR CAHLIF

416 MICoveragePercent CR 25

426 MIPremiumSourceType CR Borrower







Scenario 4.4 Mortgage Insurance

Scenario Note:

The data provided for Mandate and Pre-Mandate would be the same except for the addition of the

MIPremiumSourceType which is required for mandate loans with Application Dates on or after December 1, 2012.

Loan Information:

The borrower closed on a 30-year fixed-rate loan for $300,000 at a rate of 5%. The borrower’s loan-to-value ratio is

90%. The borrower’s lender requires MI to cover 25% of the $300,000 note amount until the LTV falls to 78%.

The mortgage insurance was purchased from CAHLIF, and the mortgage insurance certificate identifier is 111333555.

Note: The mortgage insurance company name of “CAHLIF” is not an allowable enumerated value for

MICompanyNameType; therefore the MICompanyNameTypeOtherDescription data point must be used to capture this

value.






411 LenderPaidMIInterestRateAdjustmentPercent CR0.675

412 MICertificateIdentifier CR 111333555

413 MICompanyNameType CR PMI

416 MICoveragePercent CR 25

426 MIPremiumSourceType CR Lender






(Investor Feature Code - Lender Purchased Mortgage Insurance)



Scenario 4.5 Lender Paid Mortgage Insurance

Scenario Note:

The data provided for Mandate and Pre-Mandate would be the same except for the addition of the

MIPremiumSourceType which is required for mandate loans with Application Dates on or after December 1, 2011.

Loan Information:

The borrower closed on a 30-year fixed-rate loan for $300,000 at a rate of 5.675%. The borrower’s loan-to-value ratio

is 90%. The mortgage insurance that the lender purchased from PMI covers 25% of the $300,000 note amount and the

mortgage insurance certificate identifier is 111333555. The rate adjustment percent for the LPMI is .675%. An Investor

Feature Code (SFC) of 019 must also be provided.


Scenario 5. Fannie Mae ARM Pool








18 StateCode R VA















DEAL 1 of 2


XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/PROPERTIES/PROPERTY/





12/1/11

XPath: MESSAGE




XPath:


Pool Information: Anytown Mortgage Company has created a March 1, 2012 ARM MBS pool ZZ9998 under contract #A03456. The pool

consists of adjustable rate loans with a 5-year initial fixed interest rate, adjusting annually thereafter with 5/2/6 rate

adjustment caps. There are no lifetime floors. The adjustments are based on a 1-year LIBOR index published daily in the

Wall Street Journal with a lookback period of 25 days and margins of 2.0%. To set a new rate, the sum of the index plus

margin will be rounded to the nearest eighth. The Fannie Mae Plan Identifier is 2721.

The pool has a weighted accrual rate structure. The Pool Security Issue Date Interest Rate Percent (5.00) and the Pool

Maximum Accrual Rate Percent (11.00) may be left blank and Loan Delivery will calculate these values, or the values

may be inserted. The Pool Margin Rate Percent is 1.50 and the Pool Ownership Percent is 100%. The lender’s

remittance is due to Fannie Mae on the 18th of the month. The lender is requesting the security be delivered to the

specified book-entry account on March 30, 2012.

Loan Information: The two loans backing the pool are not assumable, balloon payments, or interest only.

Loan Delivery XML File: Note: The Pool information is contained within the POOL_DETAIL container. The two loans are contained within

separate DEAL containers.







12/1/11




111 IndexSourceTypeOtherDescription CR1YearWallStreetJournalLIBORRa

teDaily


ountCR 25

114 CeilingRatePercent CR 6





120 AdjustmentRuleType CR First





ntCR

12

120 AdjustmentRuleType CR Subsequent





ntCR

12






















XPath:

....:.LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RUL

XPath:

....:.LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_R

LOANS



LoanStateType = “AtClosing”XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN

XPath:

....:.LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMEN

T_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE


First rate change

Subsequent rate change







12/1/11























320 NoteDate CR 2012-01-15




tionCR

ApproveEligible








369 BaseGuarantyFeePercent CR 0.25













XPath:

....:.LOAN/ADJUSTMENT/RATE_OR_PAYMENT_CHANGE_OCCURRENCES/RATE_OR_PAYMENT_CHANG












12/1/11

374GuarantyFeeAfterAlternatePaymentMethodPerce

ntCR 0.25

375 GuarantyFeePercent CR 0.25



380 InvestorRemittanceDay CR ---18

381 InvestorRemittanceType RScheduledInterestScheduledPrinci

pal

385 LoanAcquisitionScheduledUPBAmount CR 559824.87

389 LoanDefaultLossPartyType CR Investor

391 REOMarketingPartyType CR Investor



400 InvestorContractIdentifier CR A03456










ntR 0





(primary borrower)



542 MiddleName CR Q










XPath:

....:.LOAN/PAYMENT/PAYMENT_COMPONENT_BREAKOUTS/PAYMENT_COMPONENT_BREAKOUT


Appraiser














12/1/11




572BorrowerMailToAddressSameasPropertyIndicato

rCR

true













540 FirstName CR Nancy






rCR true












Document Custodian









XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PA

XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/HMDA_RACES/HMDA_RACE



XPath:



XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DE


XPath:









12/1/11










10 AddressLineText R 111 Oak Street



18 StateCode R VA















Servicer

XPath:


Loan Originator


LoanSeller



XPath:




XPath:


XPath:






DEAL 2 of 2









12/1/11




111 IndexSourceTypeOtherDescription CR1YearWallStreetJournalLIBORRa

teDaily


ountCR 25

114 CeilingRatePercent CR 6





First rate change120 AdjustmentRuleType CR First





ntCR

12

Subsequent rate change120 AdjustmentRuleType CR Subsequent





ntCR

12




















XPath:

....:.LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RUL


XPath:

....:.LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_PER_CHANGE_ADJUSTMEN

T_RULES/INTEREST_RATE_PER_CHANGE_ADJUSTMENT_RULE

XPath:

....:.LOAN/ADJUSTMENT/INTEREST_RATE_ADJUSTMENT/INTEREST_RATE_LIFETIME_ADJUSTMENT_R

LOANS












12/1/11
























320 NoteDate CR 2012-01-15




tionCR

ApproveEligible

























XPath:

....:.LOAN/ADJUSTMENT/RATE_OR_PAYMENT_CHANGE_OCCURRENCES/RATE_OR_PAYMENT_CHANG








12/1/11


ntCR 0.25






pal


389 LoanDefaultLossPartyType CR Investor

391 REOMarketingPartyType CR Investor













ntR 0





(primary borrower)

540 FirstName CR James



















XPath:

....:.LOAN/PAYMENT/PAYMENT_COMPONENT_BREAKOUTS/PAYMENT_COMPONENT_BREAKOUT


Appraiser







12/1/11




rCR

true













540 FirstName CR Jane






rCR true












Document Custodian




XPath:









XPath:




XPath:



XPath:




XPath:









12/1/11










653 PartyRoleType CR DocumentCustodian


656 PartyRoleType CR LoanSeller


659 PartyRoleType CR Servicer

661 PoolAccrualRateStructureType CR WeightedAverageStructure

662 PoolAmortizationType CR AdjustableRate

664 PoolAssumabilityIndicator CR false

665 PoolBalloonIndicator CR false

667 PoolIdentifier CR ZZ9998


XPath:

MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_I

DEAL_SET-level PARTY Data (Pool Data) ** Container repeats for

each party type.

Servicer

XPath: MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/

PARTY_ROLE_IDENTIFIER STOR_FEATURE


POOL data points

DocumentCustodian

XPath:

MESSAGE/DEAL_SETS/DEAL_SET/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/PARTY_ROLE_I

XPath: MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL


LoanSeller


XPath:



Servicer

XPath:


LoanSeller



Loan Originator







12/1/11

669PoolInterestAndPaymentAdjustmentIndexLeadD

aysCountCR 25

670 PoolInterestOnlyIndicator CR false

671 PoolInterestRateRoundingPercent CR .125

672 PoolInterestRateRoundingType CR Nearest

673 PoolInvestorProductPlanIdentifier CR 2721

674 PoolIssueDate CR 2012-03-01

675 PoolMarginRatePercent CR 1.5

676 PoolMaximumAccrualRatePercent CR 11.00

678 PoolMortgageType CR Conventional

680 PoolOwnershipPercent CR 100

681 PoolScheduledRemittancePaymentDay CR ---18

682 PoolSecurityIssueDateInterestRatePercent CR 5.00

683 PoolStructureType CR SingleLender

686 SecurityTradeBookEntryDate CR 2012-03-30








Scenario 6. Fannie Mae Fixed-Rate Pool









18 StateCode R VA
















DEAL 1 of 2





12/1/11

XPath: MESSAGE




XPath:



XPath:


LOANS

Pool Information: Anytown Mortgage Company has created a pool/piece for a Fixed-Rate, Conventional, Fannie Majors® pool under contract

#A03456. The Fannie Majors pool has a 5.50% coupon and is a March 1, 2012 issue. The Pool Number is MZ9999; with a

Pool Suffix of A. The pool has a stated pool accrual rate structure and a Pool Ownership Percent of 100%. The lender’s

remittance is due to Fannie Mae on the 18th of the month. The lender is requesting the security be delivered to the specified

book-entry account on March 30, 2012.

Loan Information:

The two loans backing the pool are not assumable, balloon payments, or interest only.

Loan Delivery XML File: Note: The Pool information is contained within the POOL_DETAIL container. The two loans are contained within separate

DEAL containers.













































320 NoteDate CR 2012-01-15




tionCR ApproveEligible








XPath:

....:.LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RU



















ntCR 0.25





pal


389 LoanDefaultLossPartyType CR Lender

391 REOMarketingPartyType CR Lender












ntR 0











Appraiser




















542 MiddleName CR Q






rCR true




















XPath:

MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/PARTIES/PARTY/ROLES/PARTY_ROLE_IDENTIFIERS/P




XPath:


XPath:



Document Custodian



Loan Originator






Borrower












10 AddressLineText R 111 Oak Street



18 StateCode R VA























Servicer

XPath:




XPath:




LoanSeller

XPath:



LOANS







XPath:



DEAL 2 of 2






































320 NoteDate CR 2012-01-15




tionCR ApproveEligible




















XPath:

....:.LOAN/INTEREST_CALCULATION/INTEREST_CALCULATION_RULES/INTEREST_CALCULATION_RU






ntCR 0.25





pal


389 LoanDefaultLossPartyType CR Lender

391 REOMarketingPartyType CR Lender












ntR 0




















540 FirstName CR Jane






rCR true















Borrower





XPath:


XPath:








Appraiser



Document Custodian













653 PartyRoleType CR DocumentCustodian


656 PartyRoleType CR LoanSeller


659 PartyRoleType CR Servicer

Servicer

XPath:





DEAL_SET-level PARTY Data (Pool data)

** Container repeats for each party type

DocumentCustodian




LoanSeller

Servicer


PARTY_ROLE_IDENTIFIER STOR_FEATURE


POOL data points


XPath:





Loan Originator




LoanSeller



XPath:




661 PoolAccrualRateStructureType CR StatedStructure

662 PoolAmortizationType CR Fixed

664 PoolAssumabilityIndicator CR false

665 PoolBalloonIndicator CR false

667 PoolIdentifier CR MZ9999

670 PoolInterestOnlyIndicator CR false

674 PoolIssueDate CR 2012-03-01

678 PoolMortgageType CR Conventional

680 PoolOwnershipPercent CR 100

681 PoolScheduledRemittancePaymentDay CR ---18

682 PoolSecurityIssueDateInterestRatePercent CR 5.5

683 PoolStructureType CR InvestorDefinedMultipleLender

685 PoolSuffixIdentifier CR A

686 SecurityTradeBookEntryDate CR 2012-03-30




XPath: MESSAGE/DEAL_SETS/DEAL_SET/POOL/POOL_DETAIL





Scenario 7. Fannie Mae Fixed-Rate Modification – Whole Loan Delivery

Scenario Note:

The data from Scenario 1: Fannie Mae Fixed-Rate 30-Year Purchase – Whole Loan Delivery was used to create this

scenario. Scenario 1 shows how the loan would look if it was being delivered without a modification; this scenario shows

the same loan that has been modified. In this Scenario, the mandate data is based on an Application Received Date of

December 21, 2011 and the pre-mandate data is based on an Application Received Date of November 20, 2011.

Original Loan Information


John Quincy Smith, Jr. was born January 2, 1967, and is a U.S. citizen who identifies himself as Black/African American

and not Hispanic or Latino. His SSN is 888-12-3456.


On January 15, 2012, John, a first time homebuyer, purchased a home for his primary residence, a detached, single-family

home built in 1998, located at 123 Main Street, Anytown, Virginia 20191. The subject property was appraised on January

4, 2012 for $200,000. John’s new mortgage is a 30-year, 80% LTV, fixed-rate conventional loan for $160,000 at 6%

interest rate (rate locked on January 5, 2012). John’s loan has no special characteristics, prepayment penalties, or associated

second liens.

John’s loan application was received December 21, 2011. The loan casefile ID 9876543210 was submitted by the seller to

Desktop Underwriter® (DU

®) on January 5, 2012 and received an Approve/Eligible recommendation. Include Investor

Feature Code 127.

John qualified for the loan with $12,500 monthly income and an Equifax middle credit score of 730. His new monthly

liabilities total $2,500, which included his P&I payment of $959.28 and total housing expense of $1,125.


The property was appraised by an appraiser whose license number is 123456ABC. The appraiser’s supervisor has a license

number of 1234ABC. The resulting full appraisal was assigned an appraisal identifier of 1234567890.


The loan origination company has an identifier of 777777. The originator’s identifying number is 555555. The lender

assigned it a loan number of 123456789. The loan has a MERS® MIN of 987654321123456000.

Modification Information:

In Spring 2012, the lender modified the loan in lieu of a refinance to reduce the interest rate to 4.75%. The term is not

changing. The modification became effective June 25, 2012. The balance at the time of the modification was $159,358.08.

The new P&I payment is 835.52. The lender delivered the mortgage to Fannie Mae on August 25, 2012.











18 StateCode R VA

















12/1/11

XPath:






XPath: MESSAGE


XPath:



The loan documents are being held by the Fannie Mae Document Custodian. The FIN (Financial Institution Number) is

99999398668.


The property is not located in a Special Flood Hazard Area, and flood insurance has not been obtained by either the

borrower or the lender. An Investor Feature Code of 180 must be provided even if the PropertyFloodInsuranceIndicator

and SpecialFloodHazardIndicator are present.

Payee Information:


999999999.


The loan delivery XML file was prepared by a third-party vendor system assigned a preparer ID of ABC Lender.







12/1/11



























253 LoanStateType R AtModification






259 LoanModificationEffectiveDate CR 2012-06-25




LOANS




LoanStateType = “AtModification”






XPath: ....:.LOAN/MODIFICATIONS/MODIFICATION

XPath:







12/1/11










319 NoteAmount R 159358.08

320 NoteDate CR



325AutomatedUnderwritingRecommendationDescri

ptionCR ApproveEligible



332 LoanRoleType CR Subject Loan

333 LoanAmortizationType CR Fixed

335 InterestCalculationType CR Compound

337 BalloonIndicator CR false

337.2 InterestOnlyIndicator CR false

338 LoanStateDate CR 2012-01-15

339 LoanStateType CR AtClosing

340 LoanMaturityDate CR 2042-03-01

342 PaymentFrequencyType CR Monthly

344 ScheduledFirstPaymentDate CR 2012-03-01


347 MortgageType CR Conventional

349 NoteAmount CR 160000

350 NoteDate CR 2012-01-15

351 NoteRatePercent CR 6.00





XPath:





LoanStateType = “AtClosing” (modifications only)






XPath: MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/LOANS/LOAN/LOAN_DETAIL








12/1/11


355 NextRateAdjustmentEffectiveDate CR






397 MortgageModificationIndicator R true









442 UPBAmount R 158947.81


ntR 0






XPath:

....:.LOAN/ADJUSTMENT/RATE_OR_PAYMENT_CHANGE_OCCURRENCES/RATE_OR_PAYMENT_CHANGE




Appraiser






(Investor Feature Code - Modification in Lieu of Refinance From Lender Portfolio)














12/1/11






542 MiddleName CR Q






rCR true













Document Custodian








Borrower








XPath:

….:.PARTY/ROLES/ROLE/BORROWER/GOVERNMENT_MONITORING/GOVERNMENT_MONITORING_DET




XPath:







12/1/11















LoanSeller

Servicer

XPath:




XPath:



Payee

XPath:







Loan Originator


implementation guide for loan delivery data - fannie mae … · implementation guide for loan...

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