Unassociated Document


EXHIBIT 10.18




 


EXECUTION COPY







ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES AGREEMENT







This is an Assignment of Representations and Warranties Agreement (the “Agreement”) made as of the 27th day of January, 2012, among Redwood Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware corporation (“Depositor”), U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”) under a Pooling and Servicing Agreement dated as of January 1, 2012 (the “Pooling and Servicing Agreement”), and Sterling Savings Bank, a Washington corporation (“Sterling”).







In consideration of the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase and Sale Agreement dated as of March 1, 2011, between Assignor and Sterling (the “Purchase Agreement”) as modified or supplemented by this Agreement.  Unless otherwise specified herein, capitalized terms used herein but not defined shall have the meanings ascribed to them in the Purchase Agreement.  Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the Pooling and Servicing Agreement.







Assignment







1.           Assignor hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the representations and warranties made by Sterling pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, and Depositor hereby accepts such assignment from Assignor.







2.           Depositor hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the representations and warranties made by Sterling pursuant to the Purchase Agreement to the extent relating to the Mortgage Loans, Depositor is released from all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment from Depositor.







3.           Sterling hereby acknowledges the foregoing assignments.







Representations and Warranties







4.           Assignor warrants and represents to, and covenants with, Depositor, Assignee and Sterling as of the date hereof that:







(a)            Attached hereto as Attachment 2 is a true and accurate copy of the Purchase Agreement, which agreement is in full force and effect as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;






  





  











  






 


(b)            Assignor is the lawful owner of its interests and rights under the Purchase Agreement to the extent of the Mortgage Loans, free and clear from any and all claims and encumbrances whatsoever, and upon the transfer of the representations and warranties to Assignee as contemplated herein, Assignee shall have good title to such representations and warranties under the Purchase Agreement to the extent of the Mortgage Loans, free and clear of all liens, claims and encumbrances;







(c)            There are no offsets, counterclaims or other defenses available to Sterling with respect to the Purchase Agreement;







(d)            Assignor is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite power and authority to enter into and perform its obligations under the Purchase Agreement;







(e)            Assignor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein.  The consummation of the transactions contemplated by this Agreement is in the ordinary course of Assignor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Assignor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Assignor is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Assignor or its property is subject.  The execution, delivery and performance by Assignor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on the part of Assignor.  This Agreement has been duly executed and delivered by Assignor and, upon the due authorization, execution and delivery by Assignee, will constitute the valid and legally binding obligation of Assignor enforceable against Assignor in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and







(f)            No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Assignor in connection with the execution, delivery or performance by Assignor of this Agreement, or the consummation by it of the transactions contemplated hereby.







5.           Depositor warrants and represents to, and covenants with, Assignor, Assignee and Sterling that as of the date hereof:







(a)            Depositor is a Delaware corporation duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation;






  





2











  











(b)            Depositor has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein.  The consummation of the transactions contemplated by this Agreement is in the ordinary course of Depositor’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Depositor’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Depositor is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Depositor or its property is subject.  The execution, delivery and performance by Depositor of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Depositor. This Agreement has been duly executed and delivered by Depositor and, upon the due authorization, execution and delivery by the other parties hereto, will constitute the valid and legally binding obligation of Depositor enforceable against Depositor in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and







(c)            No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Depositor in connection with the execution, delivery or performance by Depositor of this Agreement, or the consummation by it of the transactions contemplated hereby other than any that have been obtained or made.







6.           Assignee warrants and represents to, and covenants with, Assignor, Depositor and Sterling that as of the date hereof:







(a)            Assignee is a national banking association duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization; and







(b)            Assignee has been directed to enter into this Agreement pursuant to the provisions of the Pooling and Servicing Agreement.  The execution, delivery and performance by Assignee of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary action on part of Assignee. This Agreement has been duly executed and delivered by Assignee and, upon the due authorization, execution and delivery by the other parties hereto, will constitute the valid and legally binding obligation of Assignee enforceable against Assignee in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law.







7.           Sterling warrants and represents to, and covenants with, Assignor, Depositor and Assignee as of the date hereof that:






  





3











  






 


(a)            Attached hereto as Attachment 2 is a true and accurate copy of the Purchase Agreement, which agreement is in full force and effect as of the date hereof and the provisions of which have not been waived, amended or modified in any respect, nor has any notice of termination been given thereunder;







(b)            Sterling is duly organized, validly existing and in good standing under the laws of the jurisdiction of its incorporation, and has all requisite power and authority to perform its obligations under the Purchase Agreement;







(c)            Sterling has full corporate power and authority to execute, deliver and perform its obligations under this Agreement, and to consummate the transactions set forth herein.  The consummation of the transactions contemplated by this Agreement is in the ordinary course of Sterling’s business and will not conflict with, or result in a breach of, any of the terms, conditions or provisions of Sterling’s charter or by-laws or any legal restriction, or any material agreement or instrument to which Sterling is now a party or by which it is bound, or result in the violation of any law, rule, regulation, order, judgment or decree to which Sterling or its property is subject.  The execution, delivery and performance by Sterling of this Agreement and the consummation by it of the transactions contemplated hereby, have been duly authorized by all necessary corporate action on part of Sterling.  This Agreement has been duly executed and delivered by Sterling and, upon the due authorization, execution and delivery by Assignor, Assignee and the Depositor, will constitute the valid and legally binding obligation of Sterling enforceable against Sterling in accordance with its terms except as enforceability may be limited by bankruptcy, reorganization, insolvency, moratorium or other similar laws now or hereafter in effect relating to creditors’ rights generally, and by general principles of equity regardless of whether enforceability is considered in a proceeding in equity or at law; and







(d)            No consent, approval, order or authorization of, or declaration, filing or registration with, any governmental entity is required to be obtained or made by Sterling in connection with the execution, delivery or performance by Sterling of this Agreement, or the consummation by it of the transactions contemplated hereby.







Restated Sterling Representations and Warranties







8.           Pursuant to Section 32(d) of the Purchase Agreement, Sterling hereby restates to Depositor and Assignee (a) the representations and warranties set forth in Subsection 7.01 of the Purchase Agreement as of the related Closing Date and (b) the representations and warranties set forth in Subsection 7.02 of the Purchase Agreement as of the date hereof, as if such representations and warranties were set forth herein in full.







In the event of a breach of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof, as the case may be, Assignee shall be entitled to all the remedies under the Purchase Agreement, including, without limitation, the right to compel Sterling to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase Agreement, subject to the provisions of Section 10.






  





4











  











Recognition of Assignee







9.            From and after the date hereof, subject to Section 10 below, Sterling shall recognize Assignee as owner of the Mortgage Loans and will perform its obligations hereunder for the benefit of the Assignee in accordance with the Purchase Agreement, as modified hereby or as may be amended from time to time in a writing signed by Sterling, as if Assignee and Sterling had entered into a separate purchase agreement for the purchase of the Mortgage Loans in the form of the Purchase Agreement, the terms of which are incorporated herein by reference, as amended by this Agreement.


 


Enforcement of Rights







10.          (a)            Controlling Holder Rights.  Sterling agrees and acknowledges that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling Holder, will exercise all of Assignee's rights as Purchaser under each of the following sections of the Purchase Agreement:


 



Purchase Agreement:




 



	
Section or Subsection

	  	
Matter


	  	  	  
	
7.03, other than 7.03(c)

	  	
Repurchase and Substitution












(b)           If there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights that are to be exercised by the Controlling Holder pursuant to Section 10(a) shall be exercised by Assignee.







Amendments to Purchase Agreement







11.           The parties agree that the Purchase Agreement shall be amended, solely with respect to the Mortgage Loans, as follows:







(a)           Definitions.







(i)           The definitions of “Arbitration,” “Business Day” and “Repurchase Price” set forth in Section 1 of the Purchase Agreement shall be deleted and replaced in their entirety as follows:


 




  





5











  








               Arbitration:  Arbitration in accordance with the then governing Commercial Arbitration Rules of the American Arbitration Association and administered by the American Arbitration Association, which shall be conducted in New York, New York or other place mutually acceptable to the parties to the arbitration.







Business Day:  Any day other than (i) a Saturday or a Sunday, (ii) a legal holiday in the states of California, Maryland, Minnesota, Missouri, New York or Washington,  (iii) a day on which banks in the states of California, Maryland, Minnesota, Missouri, New York or Washington, are authorized or obligated by law or executive order to be closed or (iv) a day on which the New York Stock Exchange or the Federal Reserve Bank of New York is closed.







Repurchase Price:   With respect to any Mortgage Loan, a price equal to (i) the unpaid principal balance of the Mortgage Loan, plus (ii) interest on such unpaid principal balance at the related Mortgage Interest Rate from the last date through which interest was last paid by or on behalf of the Mortgagor to the last day of the month in which such repurchase occurs, plus (iii) reasonable and customary third party expenses incurred in connection with the transfer of the Mortgage Loan being repurchased, minus (iv) any amounts received in respect of such repurchased Mortgage Loan and being held for future distribution in connection with such Mortgage Loan.







(b)            The rights under the Purchase Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Purchase Agreement as amended by this Agreement.







Miscellaneous







12.           All demands, notices and communications related to the Mortgage Loans, the Purchase Agreement and this Agreement shall be in writing and shall be deemed to have been duly given if personally delivered at or mailed by registered mail, postage prepaid, as follows:







(a)           In the case of Sterling,







Sterling Savings Bank Home Loan Division


6505 218th St SW, Suite 9


Mountlake Terrace, WA, 98043


Attention:  Kathrine Shairrick, Loan Servicing


Phone: (425) 712-4280


Facsimile: (425) 673-4829







with a copy to







General Counsel at the same address






  





6











  











(b)          In the case of Assignee,







U.S. Bank National Association


60 Livingston Avenue


EP-MN-WS3D


St. Paul, Minnesota, 55107


Attention: Structured Finance – Sequoia Mortgage Loan Trust 2012-1







 (c)          In the case of Depositor,







Sequoia Residential Funding, Inc.


One Belvedere Place, Suite 360


Mill Valley, California 94941


Attention: William Moliski







with a copy to







General Counsel at the same address







(d)           In the case of Assignor,







Redwood Residential Acquisition Corporation


One Belvedere Place, Suite 360


Mill Valley, California 94941


Attention: William Moliski







with a copy to







General Counsel at the same address







(e)           In the case of Master Servicer,







Wells Fargo Bank, N.A.


9062 Old Annapolis Road


Columbia, Maryland 21045)


Telephone number:  (410) 884-2000


Facsimile number: (410) 715-2380


Electronic mail address:  g=cts-spg-team-a-5@wellsfargo.com


Attention:  Client Manager — Sequoia Mortgage Trust 2012-1







(f)           In the case of the initial Controlling Holder,







Sequoia Mortgage Funding Corporation


One Belvedere Place, Suite 360


Mill Valley, California 94941






  





7











  











 Attention: William Moliski







 with a copy to







 General Counsel at the same address







13.           This Agreement shall be construed in accordance with the laws of the State of New York, except to the extent preempted by Federal law, and the obligations, rights and remedies of the parties hereunder shall be determined in accordance with such laws, without regard to the conflicts of laws provisions of the State of New York or any other jurisdiction.







14.           No term or provision of this Agreement may be waived or modified unless such waiver or modification is in writing and signed by the party against whom such waiver or modification is sought to be enforced.







15.           This Agreement shall inure to the benefit of the successors and assigns of the parties hereto.  Any entity into which Assignor, Depositor, Assignee or Sterling may be merged or consolidated shall, without the requirement for any further writing, be deemed Assignor, Depositor, Assignee or Sterling, respectively, hereunder.







16.           This Agreement shall survive the conveyance of the Mortgage Loans, the assignment of the representations and warranties made by Sterling pursuant to the Purchase Agreement to the extent of the Mortgage Loans by Assignor to Depositor and by Depositor to Assignee, and the termination of the Purchase Agreement.







17.           This Agreement may be executed simultaneously in any number of counterparts.  Each counterpart shall be deemed to be an original, and all such counterparts shall constitute one and the same instrument.







18.           The Controlling Holder under the Pooling and Servicing Agreement is an express third party beneficiary of this Agreement, and shall have the same power and ability to exercise and enforce the rights stated to be provided to it hereunder as if it were a signatory hereto.  Sterling hereby consents to such exercise and enforcement.







19.           It is expressly understood and agreed by the parties hereto that insofar as this Agreement is executed by the Trustee (i) this Agreement is executed and delivered by U.S. Bank National Association (“U.S. Bank”) not in its individual capacity but solely as Trustee on behalf of the trust created by the Pooling and Servicing Agreement referred to herein (the “Trust”) in the exercise of the powers and authority conferred upon and vested in it, and as directed in the Pooling and Servicing Agreement, (ii) each of the undertakings and agreements herein made on behalf of the Trust is made and intended not as a personal undertaking or agreement of or by U.S. Bank but is made and intended for purposes of binding only the Trust, (iii) nothing herein contained shall be construed as creating any liability on the part of U.S. Bank, individually or personally, to perform any covenant either express or implied in this Agreement, all such liability, if any, being expressly waived by the parties hereto and by any person claiming by, through or under the parties hereto, and (iv) under no circumstances shall U.S. Bank in its individual capacity or in its capacity as Trustee be personally liable for the payment of any indebtedness, amounts or expenses owed by the Assignor under the Purchase Agreement, as modified or supplemented by this Agreement (such indebtedness, expenses and other amounts being payable solely from and to the extent of funds of the Trust) or be personally liable for the breach or failure of any obligation, representation, warranty or covenant made under this Agreement or any other related documents.






  





8











  











20.           Master Servicer.  Sterling hereby acknowledges that the Assignee has appointed Wells Fargo Bank, N.A. to act as master servicer and securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, demands, instructions, authorizations and other communications from the Master Servicer as if the same had been received from the Assignee.  The Master Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Purchaser under this Agreement, including, without limitation, the right to enforce the obligations of Sterling hereunder and under the Purchase Agreement and the right to exercise the remedies of the Purchaser hereunder and under the Purchase Agreement.







Sterling shall make all remittances due by it to the Purchaser with respect to the Mortgage Loans to the following account by wire transfer of immediately available funds:







Wells Fargo Bank, N.A.


San Francisco, California


ABA# 121-000-248


Account #3970771416


Account Name: SAS Clearing


FFC: Account #8386630, Sequoia Mortgage Trust 2012-1


Distribution Account







21.           Sterling acknowledges that the custodian will be Wells Fargo Bank, N.A. acting pursuant to the Custodial Agreement.  Notwithstanding Section 10 of the Purchase Agreement, Sterling shall pay shipping expenses for any Mortgage Loan Documents if there has been a breach of any representation or warranty made with respect to the related Mortgage Loan in Subsection 7.01 of the Purchase Agreement.


 




  





9











  








           22.           Rule 17g-5 Compliance.  Sterling hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail at rmbs17g5informationprovider@wellsfargo.com, 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 Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”) shall notify Sterling in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider.  Sterling shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider.  None of the foregoing restrictions in this Section 22 prohibit or restrict oral or written communications, or providing information, between Sterling, 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 Sterling or (ii) such Rating Agency’s or NRSRO’s evaluation of Sterling’s operations in general; provided, however, that Sterling 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.


 




  





10











  








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








	  	
REDWOOD RESIDENTIAL ACQUISITION CORPORATION


	  	
Assignor


	  	  
	  	
By:

	 	  
	  	
Name:

	 	  
	  	
Title:

	 	  
	  	  
	  	  
	  	
SEQUOIA RESIDENTIAL FUNDING, INC.


	  	
Depositor


	  	  
	  	
By:

	 	  
	  	
Name:

	 	  
	  	
Title:

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


	  	
Assignee


	  	  
	  	
By:

	 	  
	  	
Name:

	 	  
	  	
Title:

	 	  
	  	  
	  	  
	  	
STERLING SAVINGS BANK


	  	  
	  	
By:

	 	  
	  	
Name:

	 	  
	  	
Title:

	 	  










Accepted and agreed to by:








WELLS FARGO BANK, N.A.





Master Servicer










	
By:

	 	  
	
Name:

	 	  
	
Title:

	 	  









  





11











  








ATTACHMENT 1







MORTGAGE LOAN SCHEDULE


 




  





12











  






 




	
key

	
Primary Servicer

	
Servicing Fee %

	
Servicing Fee—Flatdollar

	
Servicing Advance Methodology

	
Originator

	
Loan Group

	
Loan Number

	
Servicer Number

	
Amortization Type

	
Lien Position

	
HELOC Indicator


	
1

	
1000383

	
0.002500

	  	  	
1001863

	
2

	
1000001574

	
212044

	
1

	
1

	
0


	
2

	
1000938

	
0.002500

	  	  	
1001863

	
2

	
1000001033

	
225955

	
1

	
1

	
0


	
3

	
1000938

	
0.002500

	  	  	
1001863

	
2

	
1000001034

	
201316

	
1

	
1

	
0


	
4

	
1000938

	
0.002500

	  	  	
1001863

	
2

	
1000000897

	
225304

	
1

	
1

	
0


	
5

	
1000938

	
0.002500

	  	  	
1001863

	
2

	
1000000964

	
225746

	
1

	
1

	
0


	
6

	
1000938

	
0.002500

	  	  	
1001863

	
2

	
1000000926

	
226182

	
1

	
1

	
0


	
7

	
1000938

	
0.002500

	  	  	
1001863

	
1

	
1000000886

	
222782

	
2

	
1

	
0


	
8

	
1000938

	
0.002500

	  	  	
1001863

	
2

	
1000001043

	
223089

	
1

	
1

	
0


	
9

	
1000938

	
0.002500

	  	  	
1001863

	
2

	
1000000969

	
225401

	
1

	
1

	
0


	
10

	
1000383

	
0.002500

	  	  	
1001863

	
2

	
1000001642

	
224051

	
1

	
1

	
0


	
11

	
1000383

	
0.002500

	  	  	
1001863

	
2

	
1000001250

	
231027

	
1

	
1

	
0


	
12

	
1000383

	
0.002500

	  	  	
1001863

	
1

	
1000001251

	
231043

	
1

	
1

	
0







 




	
key

	
Loan Purpose

	
Cash Out Amount

	
Total Origination and Discount Points

	
Covered/High Cost Loan Indicator

	
Relocation Loan Indicator

	
Broker Indicator

	
Channel

	
Escrow Indicator

	
Senior Loan


Amount(s)

	
Loan Type of Most


Senior Lien

	
Hybrid Period of


Most Senior Lien (in months)


	
1

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
2

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
3

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
4

	
9

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
5

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
6

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
7

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
8

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
9

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
10

	
7

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
11

	
9

	  	  	  	  	  	
1

	
4

	
0

	  	  
	
12

	
9

	  	  	  	  	  	
1

	
4

	
0

	  	  







 




	
key

	
Neg Am Limit of


Most Senior Lien

	
Junior Mortgage


Balance

	
Origination Date of


Most Senior Lien

	
Origination Date

	
Original Loan


Amount

	
Original Interest


Rate

	
Original


Amortization Term

	
Original Term to


Maturity

	
First Payment Date


of Loan

	
Interest Type


Indicator

	
Original Interest


Only Term


	
1

	  	
0.00

	  	
20111010

	
445000.00

	
0.046250

	
360

	
360

	
20111201

	
1

	
0


	
2

	  	
0.00

	  	
20110805

	
600000.00

	
0.050000

	
360

	
360

	
20111001

	
1

	
0


	
3

	  	
0.00

	  	
20110808

	
738500.00

	
0.048750

	
360

	
360

	
20111001

	
1

	
0


	
4

	  	
0.00

	  	
20110706

	
750000.00

	
0.051250

	
360

	
360

	
20110901

	
1

	
0


	
5

	  	
0.00

	  	
20110711

	
812800.00

	
0.048750

	
360

	
360

	
20110901

	
1

	
0


	
6

	  	
0.00

	  	
20110721

	
864500.00

	
0.050000

	
360

	
360

	
20110901

	
1

	
0


	
7

	  	
0.00

	  	
20110623

	
956000.00

	
0.045000

	
360

	
360

	
20110801

	
1

	
0


	
8

	  	
0.00

	  	
20110801

	
990000.00

	
0.048750

	
360

	
360

	
20111001

	
1

	
0


	
9

	  	
0.00

	  	
20110719

	
1000000.00

	
0.048750

	
360

	
360

	
20110901

	
1

	
0


	
10

	  	
0.00

	  	
20111011

	
1000000.00

	
0.046250

	
360

	
360

	
20111201

	
1

	
0


	
11

	  	
0.00

	  	
20111020

	
800000.00

	
0.048750

	
360

	
360

	
20111201

	
1

	
0


	
12

	  	
0.00

	  	
20111024

	
640000.00

	
0.036250

	
180

	
180

	
20111201

	
1

	
0









 




	
key

	
Buy Down Period

	
HELOC Draw Period

	
Current Loan


Amount

	
Current Interest


Rate

	
Current Payment


Amount Due

	
Interest Paid


Through Date

	
Current Payment


Status

	
Index Type

	
ARM Look-back


Days

	
Gross Margin

	
ARM Round Flag


	
1

	
0

	  	
443855.88

	
0.046250

	
2287.92

	
20120101

	
0

	
0

	  	  	  
	
2

	
0

	  	
596571.53

	
0.050000

	
3220.93

	
20120101

	
0

	
0

	  	  	  
	
3

	
0

	  	
734845.63

	
0.048750

	
3908.20

	
20120101

	
0

	
0

	  	  	  
	
4

	
0

	  	
745559.60

	
0.051250

	
4083.65

	
20120101

	
0

	
0

	  	  	  
	
5

	
0

	  	
807762.23

	
0.048750

	
4301.40

	
20120101

	
0

	
0

	  	  	  
	
6

	
0

	  	
859333.09

	
0.050000

	
4640.82

	
20120101

	
0

	
0

	  	  	  
	
7

	
0

	  	
948344.70

	
0.045000

	
4843.91

	
20120101

	
0

	
39

	
45

	
0.022500

	
3


	
8

	
0

	  	
985101.11

	
0.048750

	
5239.16

	
20120101

	
0

	
0

	  	  	  
	
9

	
0

	  	
993801.94

	
0.048750

	
5292.08

	
20120101

	
0

	
0

	  	  	  
	
10

	
0

	  	
997420.58

	
0.046250

	
5141.40

	
20120101

	
0

	
0

	  	  	  
	
11

	
0

	  	
798028.66

	
0.048750

	
4233.67

	
20120101

	
0

	
0

	  	  	  
	
12

	
0

	  	
634374.27

	
0.036250

	
4614.64

	
20120101

	
0

	
0

	  	  	  







 




	
key

	
ARM Round Factor

	
Initial Fixed Rate


Period

	
Initial Interest Rate


Cap (Change Up)

	
Initial Interest Rate


Cap (Change Down)

	
Subsequent Interest


Rate Reset Period

	
Subsequent Interest


Rate Cap (Change Down)

	
Subsequent Interest


Rate Cap (Change


Up)

	
Lifetime Maximum


Rate (Ceiling)

	
Lifetime Minimum


Rate (Floor)

	
Negative


Amortization Limit

	
Initial Negative


Amortization Recast


Period


	
1

	  	  	  	  	  	  	  	  	  	  	  
	
2

	  	  	  	  	  	  	  	  	  	  	  
	
3

	  	  	  	  	  	  	  	  	  	  	  
	
4

	  	  	  	  	  	  	  	  	  	  	  
	
5

	  	  	  	  	  	  	  	  	  	  	  
	
6

	  	  	  	  	  	  	  	  	  	  	  
	
7

	
0.001250

	
120

	
0.050000

	
0.050000

	
12

	
0.020000

	
0.020000

	
0.095000

	
0.027500

	  	  
	
8

	  	  	  	  	  	  	  	  	  	  	  
	
9

	  	  	  	  	  	  	  	  	  	  	  
	
10

	  	  	  	  	  	  	  	  	  	  	  
	
11

	  	  	  	  	  	  	  	  	  	  	  
	
12

	  	  	  	  	  	  	  	  	  	  	  







 




	
key

	
Subsequent


Negative


Amortization Recast


Period

	
Initial Fixed


Payment Period

	
Subsequent


Payment Reset


Period

	
Initial Periodic


Payment Cap

	
Subsequent


Periodic Payment


Cap

	
Initial Minimum


Payment Reset


Period

	
Subsequent


Minimum Payment


Reset Period

	
Option ARM


Indicator

	
Options at Recast

	
Initial Minimum


Payment

	
Current Minimum


Payment


	
1

	  	  	  	  	  	  	  	
0

	  	  	  
	
2

	  	  	  	  	  	  	  	
0

	  	  	  
	
3

	  	  	  	  	  	  	  	
0

	  	  	  
	
4

	  	  	  	  	  	  	  	
0

	  	  	  
	
5

	  	  	  	  	  	  	  	
0

	  	  	  
	
6

	  	  	  	  	  	  	  	
0

	  	  	  
	
7

	  	  	  	  	  	  	  	
0

	  	  	  
	
8

	  	  	  	  	  	  	  	
0

	  	  	  
	
9

	  	  	  	  	  	  	  	
0

	  	  	  
	
10

	  	  	  	  	  	  	  	
0

	  	  	  
	
11

	  	  	  	  	  	  	  	
0

	  	  	  
	
12

	  	  	  	  	  	  	  	
0

	  	  	  







 




	
key

	
Prepayment Penalty


Calculation

	
Prepayment Penalty


Type

	
Prepayment Penalty


Total Term

	
Prepayment Penalty


Hard Term

	
Primary Borrower ID

	
Number of


Mortgaged


Properties

	
Total Number of


Borrowers

	
Self-employment


Flag

	
Current ‘Other’


Monthly Payment

	
Length of


Employment:


Borrower

	
Length of


Employment: Co-


Borrower


	
1

	  	  	
0

	  	
224

	
1

	  	
0

	  	
1.8

	  
	
2

	  	  	
0

	  	
307

	
2

	  	
0

	  	
1

	
1


	
3

	  	  	
0

	  	
316

	
2

	  	
0

	  	
5.7

	  
	
4

	  	  	
0

	  	
425

	
1

	  	
1

	  	
16.75

	  
	
5

	  	  	
0

	  	
235

	
2

	  	
0

	  	
10

	  
	
6

	  	  	
0

	  	
309

	
3

	  	
0

	  	
12.5

	  
	
7

	  	  	
0

	  	
143

	
2

	  	
0

	  	
14.3

	
1


	
8

	  	  	
0

	  	
439

	
1

	  	
0

	  	
0.9

	  
	
9

	  	  	
0

	  	
348

	
3

	  	
1

	  	
0.1

	  
	
10

	  	  	
0

	  	
172

	
1

	  	
1

	  	
21

	  
	
11

	  	  	
0

	  	
303

	
1

	  	
1

	  	
10

	  
	
12

	  	  	
0

	  	
366

	
1

	  	
1

	  	
5

	  







 




	
key

	
Years in Home

	
FICO Model Used

	
Most Recent FICO


Date

	
Primary Wage


Earner Original


FICO: Equifax

	
Primary Wage


Earner Original


FICO: Experian

	
Primary Wage


Earner Original


FICO: TransUnion

	
Secondary Wage


Earner Original


FICO: Equifax

	
Secondary Wage


Earner Original


FICO: Experian

	
Secondary Wage


Earner Original


FICO: TransUnion

	
Original


Primary Borrower


FICO

	
Most Recent


Primary Borrower


FICO


	
1

	
0

	
1

	  	  	  	  	  	  	  	
809

	  
	
2

	
0

	
1

	  	  	  	  	  	  	  	
781

	  
	
3

	
0

	
1

	  	  	  	  	  	  	  	
783

	  
	
4

	
4

	
1

	
20111205

	  	  	  	  	  	  	
783

	
759


	
5

	
0

	
1

	
20111205

	  	  	  	  	  	  	
761

	
737


	
6

	
0

	
1

	
20111205

	  	  	  	  	  	  	
791

	
783


	
7

	
0

	
1

	
20111205

	  	  	  	  	  	  	
792

	
786


	
8

	
0

	
1

	  	  	  	  	  	  	  	
783

	  
	
9

	
0

	
1

	
20111205

	  	  	  	  	  	  	
776

	
766


	
10

	
0

	
1

	  	  	  	  	  	  	  	
774

	  
	
11

	
1.9

	
1

	  	  	  	  	  	  	  	
814

	  
	
12

	
3.5

	
1

	  	  	  	  	  	  	  	
773

	  







 




	
key

	
Most Recent Co-


Borrower FICO

	
Most Recent FICO


Method

	
VantageScore:


Primary Borrower

	
VantageScore: Co-


Borrower

	
Most Recent


VantageScore


Method

	
VantageScore Date

	
Credit Report:


Longest Trade Line

	
Credit Report:


Maximum Trade


Line

	
Credit Report:


Number of Trade


Lines

	
Credit Line Usage


Ratio

	
Most Recent 12-


month Pay History


	
1

	  	  	  	  	  	  	  	  	  	  	
000000000000


	
2

	  	  	  	  	  	  	  	  	  	  	
000000000000


	
3

	  	  	  	  	  	  	  	  	  	  	
000000000000


	
4

	  	
3

	  	  	  	  	  	  	  	  	
000000000000


	
5

	  	
3

	  	  	  	  	  	  	  	  	
000000000000


	
6

	  	
3

	  	  	  	  	  	  	  	  	
000000000000


	
7

	  	
3

	  	  	  	  	  	  	  	  	
000000000000


	
8

	  	  	  	  	  	  	  	  	  	  	
000000000000


	
9

	  	
3

	  	  	  	  	  	  	  	  	
000000000000


	
10

	  	  	  	  	  	  	  	  	  	  	
000000000000


	
11

	  	  	  	  	  	  	  	  	  	  	
000000000000


	
12

	  	  	  	  	  	  	  	  	  	  	
000000000000









 




	
key

	
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

	
Borrower Income


Verification Level

	
Co-Borrower


Income Verification


	
1

	  	  	
10833.33

	  	
0

	  	
10833.33

	
10833.33

	
1

	
5

	  
	
2

	  	  	
23000

	
3250

	
-56.42

	
0

	
26249.6

	
26193.18

	
1

	
5

	  
	
3

	  	  	
23322.42

	
0

	
0

	
0

	
23322.42

	
23322.42

	
1

	
5

	  
	
4

	  	  	
11792

	
1271

	
3721

	
0

	
13063

	
16784

	
1

	
5

	  
	
5

	  	  	
18333.33

	  	
0

	  	
18333.33

	
18333.33

	
1

	
5

	  
	
6

	  	  	
41925

	  	
0

	  	
41925

	
41925

	
1

	
5

	  
	
7

	  	  	
14583.34

	  	
18089.17

	  	
14583.34

	
32672.51

	
1

	
5

	  
	
8

	  	  	
31666.68

	  	
0

	  	
31666.68

	
31666.68

	
1

	
5

	  
	
9

	  	  	
44583.33

	  	
0

	  	
44583.33

	
44583.33

	
1

	
5

	  
	
10

	  	  	
21416.66

	  	
6316.33

	  	
21416.66

	
27732.99

	
1

	
5

	  
	
11

	  	  	
73902

	  	
0

	  	
73902

	
73902

	
1

	
5

	  
	
12

	  	  	
22083.33

	  	
25369.33

	  	
22083.33

	
47452.66

	
1

	
5

	  







 




	
key

	
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

	
City


	
1

	
3

	  	
4

	  	
227525.91

	
522.43

	
0.2594170

	  	  	
100

	
Poulsbo


	
2

	
3

	  	
4

	  	
36785.06

	
3829.23

	
0.2691600

	  	  	
100

	
Seattle


	
3

	
3

	  	
4

	  	
573373.71

	
4069.65

	
0.3420680

	  	  	
12.83

	
Mercer Island


	
4

	
3

	  	
4

	  	
468393.4

	
1550.65

	
0.3356950

	  	  	
0

	
Medina


	
5

	
3

	  	
4

	  	
138214.71

	
2366.58

	
0.3637080

	  	  	
100

	
Seattle


	
6

	
3

	  	
4

	  	
141604.87

	
4379.01

	
0.2151420

	  	  	
100

	
Edmonds


	
7

	
3

	  	
4

	  	
157342.53

	
4639.38

	
0.2902530

	  	  	
100

	
Seattle


	
8

	
3

	  	
4

	  	
904418.98

	
5868.21

	
0.3507590

	  	  	
100

	
Seattle


	
9

	
3

	  	
4

	  	
162243.86

	
7653.58

	
0.2903700

	  	  	
100

	
Bellingham


	
10

	
3

	  	
4

	  	
260430.48

	
2086.84

	
0.2606370

	  	  	
100

	
Fox Island


	
11

	
3

	  	
4

	  	
368764.11

	
1237.07

	
0.0740270

	  	  	
0

	
Missoula


	
12

	
3

	  	
4

	  	
194199.76

	
3191.56

	
0.1645050

	  	  	
0

	
Spokane









 




	
key

	
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

	
WA

	
98370

	
1

	
1

	
665000.00

	
600000.00

	
3

	
20110915

	  	  	  
	
2

	
WA

	
98105

	
1

	
1

	
750000.00

	
750000.00

	
3

	
20110714

	  	  	  
	
3

	
WA

	
98040

	
7

	
1

	
1055000.00

	
1100000.00

	
3

	
20110714

	  	  	  
	
4

	
WA

	
98039

	
1

	
1

	  	
1430000.00

	
3

	
20110613

	  	  	  
	
5

	
WA

	
98112

	
1

	
1

	
1016000.00

	
1050000.00

	
3

	
20110630

	  	  	  
	
6

	
WA

	
98026

	
1

	
1

	
1235000.00

	
1235000.00

	
3

	
20110627

	  	  	  
	
7

	
WA

	
98103

	
1

	
1

	
1195000.00

	
1195000.00

	
3

	
20110613

	  	  	  
	
8

	
WA

	
98105

	
1

	
1

	
1650000.00

	
1702000.00

	
3

	
20110714

	  	  	  
	
9

	
WA

	
98229

	
1

	
1

	
1250000.00

	
1250000.00

	
3

	
20110614

	  	  	  
	
10

	
WA

	
98333

	
1

	
1

	
1475000.00

	
1475000.00

	
3

	
20110926

	  	  	  
	
11

	
MT

	
59803

	
1

	
1

	  	
1050000.00

	
3

	
20110829

	  	  	  
	
12

	
WA

	
99224

	
1

	
1

	  	
800000.00

	
3

	
20110825

	  	  	  







 




	
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


	
1

	  	  	  	  	
0.741667

	
0.741667

	
0

	
0

	
0

	  	  
	
2

	  	  	  	  	
0.800000

	
0.800000

	
0

	
0

	
0

	  	  
	
3

	  	  	  	  	
0.700000

	
0.700000

	
0

	
0

	
0

	  	  
	
4

	  	  	  	  	
0.524476

	
0.524476

	
0

	
0

	
0

	  	  
	
5

	  	  	  	  	
0.800000

	
0.800000

	
0

	
0

	
0

	  	  
	
6

	  	  	  	  	
0.700000

	
0.700000

	
0

	
0

	
0

	  	  
	
7

	  	  	  	  	
0.800000

	
0.800000

	
0

	
0

	
0

	  	  
	
8

	  	  	  	  	
0.600000

	
0.600000

	
0

	
0

	
0

	  	  
	
9

	  	  	  	  	
0.800000

	
0.800000

	
0

	
0

	
0

	  	  
	
10

	  	  	  	  	
0.677966

	
0.677966

	
0

	
0

	
0

	  	  
	
11

	  	  	  	  	
0.761905

	
0.761905

	
0

	
0

	
0

	  	  
	
12

	  	  	  	  	
0.800000

	
0.800000

	
0

	
0

	
0

	  	  







 




	
key

	
Pool Insurance Stop


Loss %

	
MI Certificate


Number

	
Updated DTI


(Front-end)

	
Updated DTI


(Back-end)

	
Modification


Effective Payment


Date

	
Total Capitalized


Amount

	
Total Deferred


Amount

	
Pre-Modification


Interest (Note) Rate

	
Pre-Modification P&I


Payment

	
Pre-Modification


Initial Interest Rate


Change Downward


Cap

	
Pre-Modification


Subsequent Interest


Rate Cap


	
1

	  	  	  	  	  	  	  	  	  	  	  
	
2

	  	  	  	  	  	  	  	  	  	  	  
	
3

	  	  	  	  	  	  	  	  	  	  	  
	
4

	  	  	  	  	  	  	  	  	  	  	  
	
5

	  	  	  	  	  	  	  	  	  	  	  
	
6

	  	  	  	  	  	  	  	  	  	  	  
	
7

	  	  	  	  	  	  	  	  	  	  	  
	
8

	  	  	  	  	  	  	  	  	  	  	  
	
9

	  	  	  	  	  	  	  	  	  	  	  
	
10

	  	  	  	  	  	  	  	  	  	  	  
	
11

	  	  	  	  	  	  	  	  	  	  	  
	
12

	  	  	  	  	  	  	  	  	  	  	  







 




	
key

	
Pre-Modification


Next Interest Rate


Change Date

	
Pre-Modification I/O


Term

	
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)


	
1

	  	  	  	  	  	  	
20

	  	  	
20411101

	
10,833.00


	
2

	  	  	  	  	  	  	
6

	
12

	  	
20410901

	
23,000.00


	
3

	  	  	  	  	  	  	
17

	  	  	
20410901

	
23,322.00


	
4

	  	  	  	  	  	  	
22.75

	
22.75

	  	
20410801

	
11,792.00


	
5

	  	  	  	  	  	  	
10

	  	  	
20410801

	
18,333.00


	
6

	  	  	  	  	  	  	
12.5

	  	  	
20410801

	
41,925.00


	
7

	  	  	  	  	  	  	
14.3

	
1.1

	  	
20410701

	
14,583.00


	
8

	  	  	  	  	  	  	
18

	  	  	
20410901

	
31,667.00


	
9

	  	  	  	  	  	  	
2

	  	  	
20410801

	
44,583.00


	
10

	  	  	  	  	  	  	
21

	  	  	
20411101

	
21,417.00


	
11

	  	  	  	  	  	  	
14

	  	  	
20411101

	
73,902.00


	
12

	  	  	  	  	  	  	
5.2

	  	  	
20261101

	
22,083.00









 




	
key

	
Primary Borrower Wage Income (Bonus)

	
Primary Borrower Wage Income (Commission)

	
Co-Borrower Wage Income (Salary)

	
Co-Borrower Wage Income (Bonus)

	
Co-Borrower Wage Income (Commission)

	
Originator Doc Code

	
RWT Income Verification

	
RWT Asset Verification


	
1

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
2

	  	  	
3,250.00

	  	  	
Full

	
2 years

	
2 Months


	
3

	  	  	
0.00

	  	  	
Full

	
2 years

	
2 Months


	
4

	  	  	
1,271.00

	  	  	
Full

	
2 years

	
2 Months


	
5

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
6

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
7

	
18,125.00

	  	  	  	  	
Full

	
2 years

	
2 Months


	
8

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
9

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
10

	
6,316.00

	  	  	  	  	
Full

	
2 years

	
2 Months


	
11

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
12

	
16,973.00

	  	  	  	  	
Full

	
2 years

	
2 Months









 


 




  





  











  






 






	
key

	
Loan Number

	
Redwood Loan Number

	
DD Loan Number


	
1

	
7116767018

	
2000000027

	
600119300


	
2

	
22-462910-1

	
3000000262

	
600131437


	
3

	
22-463008-3

	
3000000283

	
600132623


	
4

	
22-462990-3

	
3000000288

	
600132694


	
5

	
22-464097-5

	
3000000348

	
600135657


	
6

	
22-464063-7

	
3000000385

	
600137326


	
7

	
22-464627-9

	
3000000435

	
600138718


	
8

	
7118457022

	
2000000343

	
600145303


	
9

	
22-465060-2

	
3000000449

	
600145933


	
10

	
22-467514-6

	
3000000463

	
600147089


	
11

	
22-466744-0

	
3000000466

	
600147090


	
12

	
22-467563-3

	
3000000468

	
600147103


	
13

	
22-464586-7

	
3000000480

	
600149571


	
14

	
22-455619-7

	
841000001

	
600151591


	
15

	
7119654767

	
2000000473

	
600152229


	
16

	
22-468033-6

	
3000000501

	
600152540


	
17

	
22-469026-9

	
3000000508

	
600153553


	
18

	
22-114222-3

	
3000000562

	
600153559


	
19

	
22-469217-4

	
3000000526

	
600153743


	
20

	
22-114166-2

	
856000001

	
600153745


	
21

	
22-469207-5

	
3000000529

	
600153771


	
22

	
22-469378-4

	
3000000552

	
600153773


	
23

	
22-114221-5

	
3000000551

	
600153865


	
24

	
22-468338-9

	
3000000531

	
600154267


	
25

	
22-468554-1

	
3000000557

	
600154268


	
26

	
7120359166

	
2000000504

	
600254724


	
27

	
22-469668-8

	
3000000613

	
600254752


	
28

	
2027601803

	
1050000663

	
600254765


	
29

	
2131700638

	
1050000773

	
600254766


	
30

	
3006612518

	
1050000809

	
600254767


	
31

	
7120816173

	
2000000641

	
600255648


	
32

	
2083600913

	
1050000790

	
600256922


	
33

	
12-466802-6

	
868000029

	
600256932


	
34

	
12-468233-2

	
868000025

	
600256933


	
35

	
12-469810-6

	
868000013

	
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346

	
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356

	
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359

	
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360

	
231043

	
1000001251

	
600285219


	
361

	
7122780740

	
2000001611

	
600285524


	
362

	
7122619625

	
2000001439

	
600286773


	
363

	
001078858

	
1300001283

	
600286774


	
364

	
12-474638-4

	
3000001627

	
600287923


	
365

	
8000383

	
1650001762

	
600288023


	
366

	
2045701120

	
1050001750

	
600288086


	
367

	
12-475406-5

	
3000001643

	
600289593


	
368

	
12-475004-8

	
3000001655

	
600289867


	
369

	
22-471347-5

	
978000001

	
600295295


	
370

	
22-470986-1

	
978000002

	
600295296


	
371

	
22-470751-9

	
978000003

	
600295297


	
372

	
22-471274-1

	
978000005

	
600295299


	
373

	
22-471474-7

	
978000009

	
600295303


	
374

	
22-473895-1

	
978000012

	
600295306


	
375

	
22-474402-5

	
978000014

	
600295308


	
376

	
22-472531-3

	
978000017

	
600295311


	
377

	
22-473538-7

	
978000018

	
600295312


	
378

	
22-474143-5

	
978000024

	
600295318


	
379

	
22-473670-8

	
978000027

	
600295321


	
380

	
22-473623-7

	
978000030

	
600295324


	
381

	
22-473889-4

	
978000031

	
600295325


	
382

	
22-473945-4

	
978000033

	
600295327


	
383

	
22-474353-0

	
978000034

	
600295328


	
384

	
22-472722-8

	
978000035

	
600295329


	
385

	
22-474077-5

	
978000036

	
600295330


	
386

	
22-474750-7

	
978000037

	
600295331


	
387

	
22-472504-0

	
978000039

	
600295333


	
388

	
22-473084-2

	
978000040

	
600295334


	
389

	
22-473598-1

	
978000042

	
600295336


	
390

	
22-473019-8

	
978000043

	
600295337


	
391

	
22-471526-4

	
978000046

	
600295340


	
392

	
22-473594-0

	
978000047

	
600295341


	
393

	
22-472802-8

	
978000048

	
600295342


	
394

	
22-472513-1

	
978000049

	
600295343


	
395

	
22-471784-9

	
978000050

	
600295344


	
396

	
22-470404-5

	
978000051

	
600295345


	
397

	
22-468312-4

	
978000053

	
600295347


	
398

	
22-472911-7

	
978000054

	
600295348


	
399

	
22-473860-5

	
978000055

	
600295349


	
400

	
22-473556-9

	
978000058

	
600295352


	
401

	
22-471999-3

	
978000059

	
600295353


	
402

	
22-472313-6

	
978000061

	
600295355


	
403

	
22-473141-0

	
978000063

	
600295357


	
404

	
22-473230-1

	
978000065

	
600295359


	
405

	
22-471634-6

	
978000082

	
600295376


	
406

	
503279849

	
1150001401

	
Clayton.  No loanid


	
407

	
503294792

	
1150001498

	
Clayton.  No loanid


	
408

	
503260869

	
1150001373

	
Clayton.  No loanid


	
409

	
503281720

	
1150001400

	
Clayton.  No loanid


	
410

	
503266350

	
1150001395

	
Clayton.  No loanid


	
411

	
503283192

	
1150001371

	
Clayton.  No loanid


	
412

	
503278341

	
1150001970

	
Clayton.  No loanid


	
413

	
503275972

	
1150001597

	
Clayton.  No loanid


	
414

	
503272061

	
1150001383

	
Clayton.  No loanid


	
415

	
503260793

	
1150001399

	
Clayton.  No loanid


	
416

	
503273065

	
1150001384

	
Clayton.  No loanid


	
417

	
503234706

	
1150001372

	
Clayton.  No loanid


	
418

	
503335768

	
1150001855

	
Clayton.  No loanid


	
419

	
503280657

	
1150001417

	
Clayton.  No loanid


	
420

	
503276011

	
1150001374

	
Clayton.  No loanid


	
421

	
503285149

	
1150001527

	
Clayton.  No loanid


	
422

	
503278520

	
1150001375

	
Clayton.  No loanid


	
423

	
503257737

	
1150001378

	
Clayton.  No loanid


	
424

	
503273469

	
1150001385

	
Clayton.  No loanid


	
425

	
503273037

	
1150001556

	
Clayton.  No loanid


	
426

	
2011000462

	
1400001469

	
Clayton.  No loanid


	
427

	
503259752

	
1150001402

	
Clayton.  No loanid


	
428

	
2011000933

	
1400001741

	
Clayton.  No loanid


	
429

	
503299399

	
1150001503

	
Clayton.  No loanid


	
430

	
503273456

	
1150001387

	
Clayton.  No loanid


	
431

	
503255085

	
1150001398

	
Clayton.  No loanid


	
432

	
503272937

	
1150001397

	
Clayton.  No loanid


	
433

	
503251726

	
1150001694

	
Clayton.  No loanid


	
434

	
503256518

	
1150001376

	
Clayton.  No loanid


	
435

	
503279494

	
1150001537

	
Clayton.  No loanid


	
436

	
503279768

	
1150001632

	
Clayton.  No loanid


	
437

	
503302762

	
1150001481

	
Clayton.  No loanid


	
438

	
503281800

	
1150001411

	
Clayton.  No loanid


	
439

	
503253990

	
1150001517

	
Clayton.  No loanid


	
440

	
503272246

	
1150001899

	
Clayton.  No loanid


	
441

	
503326005

	
1150001755

	
Clayton.  No loanid


	
442

	
2011001782

	
1400001850

	
Clayton.  No loanid


	
443

	
503339764

	
1150001888

	
Clayton.  No loanid


	
444

	
503325948

	
1150001768

	
Clayton.  No loanid


	
445

	
503301258

	
1150001486

	
Clayton.  No loanid


	
446

	
503254794

	
1150001681

	
Clayton.  No loanid















 


 




  





  











  






 




	
MERSID

	
Organization


	
1002338

	
First Republic


	
1000536

	
Prime Lending


	
1000938

	
Select Portfolio Servicing


	
1000200

	
PHH


	
1006404

	
Wells Fargo


	
1000104

	
SunTrust Mortgage, Inc.


	
1001863

	
Sterling Savings Bank


	
1000383

	
Cenlar FSB


	
1008498

	
Flagstar Bank, F.S.B.


	
1000522

	
Franklin American Mortgage


	
1000312

	
Wintrust Mortgage A Division of Barrington Bank & Trust Co


	
1003970

	
GuardHill Financial Corp.


	
1008808

	
Cole Taylor 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

	
TBD

	
TBD

	
Always

	
TBD

	  	
Details to be provided by Vendor


	
8

	
Amortization Type

	
Indicates whether the loan’s interest rate is fixed or adjustable (Hybrid ARMs are adjustable).

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Fixed


2 = Adjustable


99 = Unknown

	  
	
9

	
Lien Position

	
A number indicating the loan’s lien position (1 = first lien, etc.).

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
>0

	
99 = Unknown

	  
	
10

	
HELOC Indicator

	
Indicates whether the loan is a home equity line of credit.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No


1 = Yes


99 = Unknown

	  
	
11

	
Loan Purpose

	
Indicates the purpose of the loan.

	
Loan Type

	
Numeric – Integer

	
9

	
99

	
Always

	
See Coding

	
See Appendix A

	  
	
12

	
Cash Out Amount

	
For “Cash-out” loans (see Glossary):


 


[NEW LOAN AMOUNT] – [PAID-OFF FIRST MORTGAGE LOAN AMOUNT] – [PAID-OFF SECOND MORTGAGE LOAN AMOUNT (if Second was used to purchase the property)] – [CLOSING COSTS].

	
Loan Type

	
Numeric – Decimal

	
72476.5

	
9(10).99

	
Always

	
>= 0

	  	  
	
13

	
Total Origination and Discount Points (in dollars)

	
Amount paid to the lender to increase the lender’s effective yield and, in the case of discount points, to reduce the interest rate paid by the borrower.

	
Loan Type

	
Numeric – Decimal

	
5250

	
9(10).99

	
Always

	
>= 0

	  	
Typically Lines 801 and 802 of HUD Settlement Statement


	
14

	
Covered/High Cost Loan Indicator

	
Indicates whether the loan is categorized as “high cost” or “covered” according to state or federal statutes or regulations.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No


1 = Yes


99 = Unknown

	  
	
15

	
Relocation Loan Indicator

	
Indicates whether the loan is part of a corporate relocation program.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No


1 = Yes


99 = Unknown

	  
	
16

	
Broker Indicator

	
Indicates whether a broker took the application.

	
Loan Type

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No


1 = Yes


99 = Unknown

	  
	
17

	
Channel

	
Code indicating the source (channel) from which the Issuer obtained the mortgage loan.

	
Loan Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1 = Retail


2 = Broker


3 = Correspondent Bulk


4 = Correspondent Flow with delegated underwriting


5 = Correspondent Flow without delegated underwriting


99 = Unknown

	  
	
18

	
Escrow Indicator

	
Indicates whether various homeownership expenses are paid by the borrower directly or through an escrow account (as of securitization cut-off date).

	
Loan Type

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
0 = No Escrows


1 = Taxes


2 = Insurance


3 = HOA dues


4 = Taxes and Insurance


5 = All


99 =Unknown

	  
	
19

	
Senior Loan Amount(s)

	
For non-first mortgages, the sum of the balances of all associated senior mortgages at the time of origination of the subordinate lien.

	
Mortgage Lien Info

	
Numeric – Decimal

	
611004.25

	
9(10).99

	
If Lien Position > 1

	
>= 0

	  	  
	
20

	
Loan Type of Most Senior Lien

	
For non-first mortgages, indicates whether the associated first mortgage is a Fixed, ARM, Hybrid, or negative amortization loan.

	
Mortgage Lien Info

	
Numeric – Integer

	
2

	
99

	
If Lien Position > 1

	
See Coding

	
1 = Fixed Rate


2 = ARM


3 = Hybrid


4 = Neg Am


99 = Unknown

	  
	
21

	
Hybrid Period of Most Senior Lien (in months)

	
For non-first mortgages where the associated first mortgage is a hybrid ARM, the number of months remaining in the initial fixed interest rate period for the hybrid first mortgage.

	
Mortgage Lien Info

	
Numeric – Integer

	
23

	
999

	
If Lien Position > 1


AND the most senior lien is a hybrid ARM (see Field 20)

	
>= 0

	  	  
	
22

	
Neg Am Limit of Most Senior Lien

	
For non-first mortgages where the associated first mortgage features negative amortization, the maximum percentage by which the negatively amortizing balance may increase (expressed as a proportion of the senior lien’s original balance).

	
Mortgage Lien Info

	
Numeric – Decimal

	
1.25

	
9.999999

	
If Lien Position > 1


AND the senior lien is Neg Am (see Field 20)

	
>= 1 and <= 2

	  	  
	
23

	
Junior Mortgage Balance

	
For first mortgages with subordinate liens at the time of origination, the combined balance of the subordinate liens (if known).

	
Mortgage Lien Info

	
Numeric – Decimal

	
51775.12

	
9(10).99

	
If Lien Position = 1 and there is a 2nd lien on the subject property

	
>= 0

	  	
Subject to Regulatory Confirmation


	
24

	
Origination Date of Most Senior Lien

	
For non-first mortgages, the origination date of the associated first mortgage.

	
Mortgage Lien Info

	
Date

	
20090914

	
YYYYMMDD

	
If Lien Position > 1 and there is a 2nd lien on the subject property

	
“19010101” if unknown

	  	  
	
25

	
Origination Date

	
The date of the Mortgage Note and Mortgage/Deed of Trust

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
26

	
Original Loan Amount

	
The dollar amount of the mortgage loan, as specified on the mortgage note at the time of the loan’s origination. For HELOCs, the maximum available line of credit.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
150000

	
9(10).99

	
Always

	
>0

	  	  
	
27

	
Original Interest Rate

	
The original note rate as indicated on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.0475

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
28

	
Original Amortization Term

	
The number of months in which the loan would be retired if the amortizing principal and interest payment were to be paid each month.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
360

	
999

	
Always

	
>= 60

	  	  
	
29

	
Original Term to Maturity

	
The initial number of months between loan origination and the loan maturity date, as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>0

	
N/A

	  
	
30

	
First Payment Date of Loan

	
The date of the first scheduled mortgage payment to be made by the borrower as specified on the mortgage note.

	
Loan Term and Amortization Type

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	
N/A

	  
	
31

	
Interest Type Indicator

	
Indicates whether the interest rate calculation method is simple or actuarial.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
2

	
99

	
Always

	
See Coding

	
1= Simple


2 = Actuarial


99 = Unknown

	  
	
32

	
Original Interest Only Term

	
Original interest-only term for a loan in months (including NegAm Loans).

	
Loan Term and Amortization Type

	
Numeric – Integer

	
60

	
999

	
Always

	
>= 0 and <= 240


Unknown = Blank;


No Interest Only Term = 0

	  	  
	
33

	
Buy Down Period

	
The total number of months during which any buy down is in effect, representing the accumulation of all buy down periods.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
65

	
999

	
Always

	
>= 0 and <= 100


Unknown = Blank;


No Buy Down = 0

	  	  
	
34

	
HELOC Draw Period

	
The original number of months during which the borrower may draw funds against the HELOC account.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
24

	
999

	
HELOCs Only

	
>= 12 and <= 120

	  	  
	
35

	
Scheduled Loan Amount

	
Mortgage loan scheduled principal balance as of cut-off date. For HELOCs, the current drawn amount.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
248951.19

	
9(10).99

	
Always

	
>= 0

	  	  
	
36

	
Current Interest Rate

	
The interest rate used to calculate the current P&I or I/O payment.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
0.05875

	
9.999999

	
Always

	
> 0 and <= 1

	  	  
	
37

	
Current Payment Amount Due

	
Next Total Payment due to be collected (including principal, interest or both—but Exclude Escrow Amounts).

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1250.15

	
9(10).99

	
Always

	
> 0

	  	  
	
38

	
Scheduled Interest Paid


Through Date

	  	
Loan Term and Amortization Type

	
Date

	
20090429

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
39

	
Current Payment Status

	
Number of payments the borrower is past due as of the securitization cut-off date.

	
Loan Term and Amortization Type

	
Numeric – Integer

	
3

	
99

	
Always

	
>= 0

	  	  
	
40

	
Index Type

	
Specifies the type of index to be used to determine the interest rate at each adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
18

	
99

	
ARMs Only

	
See Coding

	
See Appendix B

	  
	
41

	
ARM Look-back Days

	
The number of days prior to the interest rate adjustment date to retrieve the index value.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
45

	
99

	
ARMs Only

	
>= 0 to <=99

	  	  
	
42

	
Gross Margin

	
The percentage stated on the mortgage note representing the spread between the ARM Index value and the mortgage interest rate. The gross mortgage margin is added to the index value to establish a new gross interest rate in the manner prescribed on the mortgage note.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.03

	
9.999999

	
ARMs Only

	
>0 and <= 1

	  	  
	
43

	
ARM Round Flag

	
An indicator of whether an adjusted interest rate is rounded to the next higher ARM round factor, to the next lower round factor, or to the nearest round factor.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
3

	
9

	
ARMs Only

	
See Coding

	
0 = No Rounding


1 = Up


2 = Down


3 = Nearest


99=Unknown

	  
	
44

	
ARM Round Factor

	
The percentage to which an adjusted interest rate is to be rounded.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.0025 or 0.00125

	
9.999999

	
ARMs Only


Where ARM Round Flag = 1, 2, or 3

	
>= 0 and < 1

	  	  
	
45

	
Initial Fixed Rate Period

	
For hybrid ARMs, the period between the first payment date of the mortgage and the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
Hybrid ARMs Only

	
>= 1 to <=240

	  	  
	
46

	
Initial Interest Rate Cap (Change Up)

	
The maximum percentage by which the mortgage note rate may increase at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
47

	
Initial Interest Rate  Cap (Change Down)

	
The maximum percentage by which the mortgage note rate may decrease at the first interest rate adjustment date.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
48

	
Subsequent Interest Rate Reset Period

	
The number of months between subsequent rate adjustments.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Integer

	
60

	
999

	
ARMs Only

	
>=0 and <= 120

	  	
0 = Loan does not adjust after initial reset


	
49

	
Subsequent Interest Rate (Change Down)

	
The maximum percentage by which the interest rate may decrease at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
50

	
Subsequent Interest Rate Cap (Change Up)

	
The maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.02

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	
99=no cap

	  
	
51

	
Lifetime Maximum Rate (Ceiling)

	
The maximum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.125

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
=1 if no ceiling specified


	 
	 
	
52

	
Lifetime Minimum Rate (Floor)

	
The minimum interest rate that can be in effect during the life of the loan.

	
Adjustable Rate Mortgages (ARMs)

	
Numeric – Decimal

	
0.015

	
9.999999

	
ARMs Only

	
>= 0 and <= 1

	  	
If no floor is specified enter the greater of the margin or 0.


	
53

	
Negative Amortization Limit

	
The maximum amount of negative amortization allowed before recast is required. (Expressed as a percentage of the original unpaid principal balance.)

	
Negative Amortization

	
Numeric – Decimal

	
1.25

	
9.999999

	
Negatively Amortizing ARMs Only

	
>=0, and <2

	  	  
	
54

	
Initial Negative Amortization Recast Period

	
The number of months in which the payment is required to recast if the loan does not reach the prescribed maximum balance earlier.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
55

	
Subsequent Negative Amortization Recast Period

	
The number of months after which the payment is required to recast AFTER the first recast period.

	
Negative Amortization

	
Numeric – Integer

	
48

	
999

	
Negatively Amortizing ARMs Only

	
>=0

	  	  
	
56

	
Initial Fixed Payment Period

	
Number of months after origination during which the payment is fixed.

	
Negative Amortization

	
Numeric – Integer

	
60

	
999

	
Negatively Amortizing Hybrid ARMs Only

	
>= 0 to <=120

	  	  
	
57

	
Subsequent Payment Reset Period

	
Number of months between payment adjustments after first payment reset.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
58

	
Initial Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in the first period.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
59

	
Subsequent Periodic Payment Cap

	
The maximum percentage by which a payment can change (increase or decrease) in one period after the initial cap.

	
Negative Amortization

	
Numeric – Decimal

	
0.075

	
9.999999

	
Negatively Amortizing ARMs Only

	
>= 0 and < 1

	  	  
	
60

	
Initial Minimum Payment Reset Period

	
The maximum number of months a borrower can initially pay the minimum payment before a new minimum payment is determined.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
61

	
Subsequent Minimum Payment Reset Period

	
The maximum number of months (after the initial period) a borrower can pay the minimum payment before a new minimum payment is determined after the initial period.

	
Negative Amortization

	
Numeric – Integer

	
12

	
999

	
Negatively Amortizing ARMs Only

	
>= 0 to <=120

	  	  
	
62

	
Option ARM Indicator

	
An indicator of whether the loan is an Option ARM.

	
Negative Amortization

	
Numeric – Integer

	
1

	
99

	
ARMs Only

	
See Coding

	
0 = No


1 = Yes


99 = Unknown

	  
	
63

	
Options at Recast

	
The means of computing the lowest monthly payment available to the borrower after recast.

	
Option ARM

	
Numeric – Integer

	
2

	
99

	
Option ARMs Only

	
N/A

	
1= Fully amortizing 30 year


2= Fully amortizing 15 year


3=Fully amortizing 40 year


4 = Interest-Only


5 = Minimum Payment


99= Unknown

	  
	
64

	
Initial Minimum Payment

	
The initial minimum payment the borrower is permitted to make.

	
Option ARM

	
Numeric – Decimal

	
879.52

	
99

	
Option ARMs Only

	
>=0

	  	  
	
65

	
Current Minimum Payment

	
Current Minimum Payment (in dollars).

	
Negative Amortization

	
Numeric – Decimal

	
250

	
9(10).99

	
Option ARMs Only

	
>= 0

	  	  
	
66

	
Prepayment Penalty Calculation

	
A description of how the prepayment penalty would be calculated during each phase of the prepayment penalty term.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
99

	
Always

	
See Coding

	
See Appendix C

	  
	
67

	
Prepayment Penalty Type

	
• Hard: The prepayment penalty is incurred regardless of the reason the loan is prepaid in full.


• Hybrid: The prepayment penalty can be characterized as hard for a certain amount of time and as soft during another period.


 

	
Prepayment Penalties

	
Numeric – Integer

	
1

	
99

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
See Coding

	
1 = Hard


2 = Soft


3 = Hybrid


99 = Unknown

	  
	
68

	
Prepayment Penalty Total Term

	
The total number of months that the prepayment penalty may be in effect.

	
Prepayment Penalties

	
Numeric – Integer

	
60

	
999

	
All loans with Prepayment Penalties (i.e., loans for which Field 66 = something other than “0”)

	
>0 to <=120

	  	  
	
69

	
Prepayment Penalty Hard Term

	
For hybrid prepayment penalties, the number of months during which a “hard” prepayment penalty applies.

	
Prepayment Penalties

	
Numeric – Integer

	
12

	
999

	
Loans with Hybrid Prepayment Penalties (i.e., loans for which Field 67 = “3”)

	
>= 0 to <=120

	  	  
	
70

	
Primary Borrower ID

	
A lender-generated ID number for the primary borrower on the mortgage

	
Borrower

	
Numeric—Integer

	
123456789

	
999999999

	
Always

	
>0

	  	
Used to identify the number of times a single borrower appears in a given deal.


	
71

	
Number of Mortgaged Properties

	
The number of residential properties owned by the borrower that currently secure mortgage loans.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
> 0

	  	  
	
72

	
Total Number of Borrowers

	
The number of Borrowers who are obligated to repay the mortgage note.

	
Borrower

	
Numeric – Integers

	
2

	
99

	
Always

	
> 0

	  	  
	
73

	
Self-employment Flag

	
An indicator of whether the primary borrower is self-employed.

	
Borrower

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No


1 = Yes


99 = Unknown

	  
	
74

	
Current ‘Other’ Monthly Payment

	
The aggregate of all payments pertaining to the subject property other than principal and interest (includes common charges, condo fees, T&I, HOA, etc.), whether escrowed or not.

	
Loan Term and Amortization Type

	
Numeric – Decimal

	
1789.25

	
9(10).99

	
Always

	
> 0

	  	  
	
75

	
Length of Employment: Borrower

	
The number of years of service with the borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
Always

	
>=0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
76

	
Length of Employment: Co-Borrower

	
The number of years of service with the co-borrower’s current employer as of the date of the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
3.5

	
99.99

	
If “Total Number of Borrowers” > 1

	
>= 0

	
99 = Retired, None employment income soure (social security, trust income, dividends, etc.)

	  
	
77

	
Years in Home

	
Length of time that the borrower has been at current address.

	
Borrower Qualification

	
Numeric – Decimal

	
14.5

	
99.99

	
Refinances of Primary Residences Only (Loan Purpose = 1, 2, 3, 4, 8 or 9)

	
> 0

	  	  
	
78

	
FICO Model Used

	
Indicates whether the FICO score was calculated using the Classic, Classic 08, or Next Generation model.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
If a FICO score was obtained

	
See Coding

	
1 = Classic


2 = Classic 08


3 = Next Generation


99 = Unknown

	  
	
79

	
Most Recent FICO Date

	
Specifies the date on which the most recent FICO score was obtained

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a FICO score was obtained

	
“19010101” if unknown

	  	
Issuers unable to Provide may Rep and Warrant that the FICO score used for underwriting was not more than 4 months old at the date of issuance.


	
80

	
Primary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
81

	
Primary Wage Earner Original FICO:  Experian

	
Experian FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
82

	
Primary Wage Earner Original FICO:  TransUnion

	
TransUnion FICO score for primary borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
83

	
Secondary Wage Earner Original FICO:  Equifax

	
Equifax FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
84

	
Secondary Wage Earner Original FICO:  Experian

	
Experian FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
85

	
Secondary Wage Earner Original FICO: TransUnion

	
TransUnion FICO score for Co-borrower (if applicable).

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
86

	
Most Recent Primary Borrower FICO

	
Most Recent Primary Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a FICO score was obtained

	
>= 350 and <= 850

	  	  
	
87

	
Most Recent Co-Borrower FICO

	
Most Recent Co-Borrower FICO score used by the lender to approve the loan.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If “Total Number of Borrowers” > 1

	
>= 350 and <= 850

	  	  
	
88

	
Most Recent FICO Method

	
Number of credit repositories used to update the FICO Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a FICO score was obtained

	
>0

	  	  
	
89

	
VantageScore: Primary Borrower

	
Credit Score for the Primary Borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a Vantage Credit Score was obtained

	
>= 501 and <= 990

	  	  
	
90

	
VantageScore: Co-Borrower

	
Credit Score for the Co-borrower used to approve the loan and obtained using the Vantage credit evaluation model.

	
Borrower Qualification

	
Numeric – Integer

	
720

	
9999

	
If a VantageScore was obtained AND “Total Number of Borrowers” > 1

	
>= 501 and <= 990

	  	  
	
91

	
Most Recent VantageScore Method

	
Number of credit repositories used to update the Vantage Score.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If a Vantage Credit Score was obtained

	
>0

	  	  
	
92

	
VantageScore Date

	
Date Vantage Credit Score was obtained.

	
Borrower Qualification

	
Date

	
20090914

	
YYYYMMDD

	
If a Vantage Credit Score was obtained

	
“19010101” if unknown

	  	  
	
93

	
Credit Report: Longest Trade Line

	
The length of time in months that the oldest active trade line, installment or revolving, has been outstanding. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
999

	
999

	
Always

	
> =0

	  	
Subject to Regulatory Confirmation


	
94

	
Credit Report: Maximum Trade Line

	
The dollar amount for the trade line, installment or revolving, with the largest unpaid balance. For revolving lines of credit, e.g. credit card, the dollar amount reported should reflect the maximum amount of credit available under the credit line whether used or not. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
339420.19

	
9(10).99

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation


	
95

	
Credit Report: Number of Trade Lines

	
A count of non-derogatory, currently open and active, consumer trade lines (installment or revolving) for the borrower. For a loan with more than one borrower, populate field based on status for the primary borrower.

	
Borrower Qualification

	
Numeric – Integer

	
57

	
999

	
Always

	
>=0

	  	
Subject to Regulatory Confirmation


	
96

	
Credit Line Usage Ratio

	
Sum of credit balances divided by sum of total open credit available.

	
Borrower Qualification

	
Numeric – Decimal

	
0.27

	
9.999999

	
Always

	
>= 0 and <= 1

	  	
Subject to Regulatory Confirmation


	
97

	
Most Recent 12-month Pay History

	
String indicating the payment status per month listed from oldest to most recent.

	
Borrower Qualification

	
Text

	
77X123200001

	
X(12)

	
Always

	
See Coding

	
0 = Current


1 = 30-59 days delinquent


2 = 60-89 days delinquent


3 = 90-119 days delinquent


4 = 120+ days delinquent


5 = Foreclosure


6 = REO


7 = Loan did not exist in period


X = Unavailable

	  
	
98

	
Months Bankruptcy

	
Number of months since any borrower was discharged from bankruptcy. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program—have passed since most recent discharge from bankruptcy.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Bankruptcy

	
>= 0

	  	
Blank = Borrower is not known to have been in bankruptcy


	
99

	
Months Foreclosure

	
Number of months since foreclosure sale date. (Issuers unable to provide this information may rep and warrant that at least x years—as specified in the loan program— have passed since most recent foreclosure.)

	
Borrower Qualification

	
Numeric – Integer

	
12

	
999

	
If Borrower has ever been in Foreclosure

	
>= 0

	  	
Blank = Borrower is not known to have been in foreclosure


	
100

	
Primary Borrower Wage Income

	
Monthly base wage income for primary borrower.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
101

	
Co-Borrower Wage Income

	
Monthly base wage income for all other borrowers.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
102

	
Primary Borrower Other Income

	
Monthly Other (non-wage) income for primary borrower. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
103

	
Co-Borrower Other Income

	
Monthly Other (non-wage) income for all other borrowers. (This figure should include net rental income and be reduced by any net rental loss.)

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
If “Total Number of Borrowers” > 1

	
>= 0

	  	  
	
104

	
All Borrower Wage Income

	
Monthly income of all borrowers derived from base salary only.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
105

	
All Borrower Total Income

	
Monthly income of all borrowers derived from base salary, commission, tips and gratuities, overtime and bonuses, part-time or second-job earnings, alimony, child support, interest and dividend income, notes receivable, trust income, net rental income, retirement income, social security, veterans income, military income, foster care income, and self-employed income.

	
Borrower Qualification

	
Numeric – Decimal

	
9000

	
9(9).99

	
Always

	
>= 0

	  	  
	
106

	
4506-T Indicator

	
A yes/no indicator of whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506-T) was obtained and considered.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
99

	
Always

	
See Coding

	
0 = No


1 = Yes


99 = Unknown

	  
	
107

	
Borrower Income Verification Level

	
A code indicating the extent to which the borrower’s income has been verified:


Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)


Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)


*For self-employed borrowers:  Level 4 Income Verification:


• 2 Years Tax Returns


• Self-prepared tax returns (regardless of 4506 and tax transcripts)


 


** For self-employed borrowers: Level 5 Income Verification:


• 2 Years tax returns


• Tax returns prepared and not executed by a CPA, with


          o CPA name & phone number shown on the Preparer section of the tax return


          o Executed 4506 and tax transcripts (matching returns in file)


• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified


2 = Stated, Not Verified


3 = Stated, “Partially” Verified


4 = Stated, “Level 4” Verified  (as defined)


5 = Stated, “Level 5” Verified  (as defined)


 

	  
	
108

	
Co-Borrower Income Verification

	
A code indicating the extent to which the co-borrower’s income has been verified:


 


Level 4 Income Verification = [W-2 (Prev. Yr.) OR TAX RETURNS* (Prev. Yr.)] AND PAY STUBS (YTD (at least one month)–if salaried)


 


Level 5 Income Verification = 24 months income verification (W-2s, pay stubs, bank statements and/or tax returns**)


*For self-employed borrowers:  Level 4 Income Verification:


• 2 Years Tax Returns


• Self-prepared tax returns (regardless of 4506 and tax transcripts)


 


** For self-employed borrowers: Level 5 Income Verification:


• 2 Years tax returns


• Tax returns prepared and not executed by a CPA, with


          o CPA name & phone number shown on the Preparer section of the tax return


          o Executed 4506 and tax transcripts (matching returns in file)


• Tax returns prepared and executed by a CPA  (regardless of 4506 and tax transcripts)

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified


2 = Stated, Not Verified


3 = Stated, “Partially” Verified


4 = Stated, “Level 4” Verified  (as defined)


5 = Stated, “Level 5” Verified  (as defined)


 

	  
	
109

	
Borrower Employment Verification

	
A code indicating the extent to which the primary borrower’s employment has been verified:


 


Level 3 Verified = Direct Independent Verification with a third party of the borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified


2 = Stated, Not Verified


3 = Stated, Level 3 Verified (as defined)

	  
	
110

	
Co-Borrower Employment Verification

	
A code indicating the extent to which the co-borrower’s employment has been verified:


 


Level 3 Verified = Direct Independent Verification with a third party of the co-borrower’s current employment.

	
Borrower Qualification

	
Numeric – Integer

	
1

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified


2 = Stated, Not Verified


3 = Stated, Level 3 Verified (as defined)

	  
	
111

	
Borrower Asset Verification

	
A code indicating the extent to which the primary borrower’s assets used to qualify the loan have been verified:


 


Level 4 Verified = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).


 

	
Borrower Qualification

	
Numeric – Integer

	
3

	
9

	
Always

	
See Coding

	
1 = Not Stated, Not Verified


2 = Stated, Not Verified


3 = Stated, “Partially” Verified


4 = Stated, Level 4 Verified  (as defined)

	  
	
112

	
Co-Borrower Asset Verification

	
A code indicating the extent to which the co-borrower’s assets used to qualify the loan have been verified:


 


Level 4 = 2 months of bank statements/balance documentation (written or electronic) for liquid assets (or gift letter).


 

	
Borrower Qualification

	
Numeric – Integer

	
2

	
9

	
If “Total Number of Borrowers” > 1

	
See Coding

	
1 = Not Stated, Not Verified


2 = Stated, Not Verified


3 = Stated, “Partially” Verified


4 = Stated, Level 4 Verified  (as defined)

	  
	
113

	
Liquid / Cash Reserves

	
The actual dollar amount of remaining verified liquid assets after settlement. (This should not include cash out amount of subject loan.)

	
Borrower Qualification

	
Numeric – Decimal

	
3242.76

	
9(9).99

	
Always

	
>= 0

	  	  
	
114

	
Monthly Debt All Borrowers

	
The aggregate monthly payment due on other debt (excluding only installment loans with fewer than 10 payments remaining and other real estate loans used to compute net rental income— which is added/subtracted in the income fields).

	
Borrower Qualification

	
Numeric – Decimal

	
3472.43

	
9(9).99

	
Always

	
>= 0

	  	  
	
115

	
Originator DTI

	
Total Debt to income ratio used by the originator to qualify the loan.

	
Borrower Qualification

	
Numeric – Decimal

	
0.35

	
9.999999

	
Always

	
>= 0 and >= 1

	  	  
	
116

	
Fully Indexed Rate

	
The fully indexed interest rate as of securitization cut-off.

	
Borrower Qualification

	
Numeric – Decimal

	
0.0975

	
9.999999

	
ARMs Only

	
>= 0 and >= 1

	  	  
	
117

	
Qualification Method

	
Type of mortgage payment used to qualify the borrower for the loan.

	
Borrower Qualification

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
1 = Start Rate


2 = First Year Cap Rate


3 = I/O Amount


4 = Fully Indexed


5 = Min Payment


98 = Other


99 = Unknown

	  
	
118

	
Percentage of Down Payment from Borrower Own Funds

	
Include only borrower funds, do not include any gift or borrowed funds. (Issuers may provide the actual percentage for each loan, or the guideline percentage and note departure concentration on the transaction summary.)

	
Borrower Qualification

	
Numeric – Decimal

	
0.5

	
9.999999

	
Purchase Loans Only

	
>= 0 and >= 1

	  	  
	
119

	
City

	
The name of the city.

	
Subject Property

	
Text

	
New York

	
X(45)

	
Always

	
Unk=Unknown

	  	  
	
120

	
State

	
The name of the state as a 2-digit Abbreviation.

	
Subject Property

	
Text

	
NY

	
XX

	
Always

	
See Coding

	
See Appendix H

	  
	
121

	
Postal Code

	
The postal code (zip code in the US) where the subject property is located.

	
Subject Property

	
Text

	
10022

	
X(5)

	
Always

	
Unk=Unknown

	  	  
	
122

	
Property Type

	
Specifies the type of property being used to secure the loan.

	
Subject Property

	
Numeric – Integer

	
11

	
99

	
Always

	
See Coding

	
See Appendix D

	  
	
123

	
Occupancy

	
Specifies the property occupancy status (e.g., owner-occupied, investment property, second home, etc.).

	
Subject Property

	
Numeric – Integer

	
4

	
9

	
Always

	
See Coding

	
See Appendix E

	  
	
124

	
Sales Price

	
The negotiated price of a given property between the buyer and seller.

	
Subject Property

	
Numeric – Decimal

	
450000.23

	
9(10).99

	
Purchase Loans Only

	
> 0

	  	  
	
125

	
Original Appraised Property Value

	
The appraised value of the property used to approve the loan.

	
Subject Property

	
Numeric – Decimal

	
550000.23

	
9(10).99

	
Always

	
> 0

	  	  
	
126

	
Original Property Valuation Type

	
Specifies the method by which the property value (at the time of underwriting) was reported.

	
Subject Property

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix F

	  
	
127

	
Original Property Valuation Date

	
Specifies the date on which the original property value (at the time of underwriting) was reported. (Issuers unable to provide may Rep and Warrant that the appraisal used for underwriting was not more than x days old at time of loan closing.)

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
Always

	
“19010101” if unknown

	  	  
	
128

	
Original Automated Valuation Model (AVM) Model Name

	
The name of the AVM Vendor if an AVM was used to determine the original property valuation.

	
Subject Property

	
Numeric – Integer

	
1

	
99

	
Always

	
See Appendix I

	
See Appendix I

	  
	
129

	
Original AVM Confidence Score

	
The confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.74

	
9.999999

	
If AVM Model Name (Field 127) > 0

	
>= 0 to <= 1

	  	  
	
130

	
Most Recent Property Value[1]

	
If a valuation was obtained subsequent to the valuation used to calculate LTV, the most recent property value.

	
Subject Property

	
Numeric – Decimal

	
500000

	
9(10).99

	
If updated value was obtained subsequent to loan approval

	
> 0

	  	  
	
131

	
Most Recent Property Valuation Type

	
If an additional property valuation was obtained after the valuation used for underwriting purposes, the method by which the property value was reported.

	
Subject Property

	
Numeric – Integer

	
6

	
9

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix F

	  
	
132

	
Most Recent Property Valuation Date

	
Specifies the date on which the updated property value was reported.

	
Subject Property

	
Date

	
20090914

	
YYYYMMDD

	
If updated value was obtained subsequent to loan approval

	
“19010101” if unknown

	  	  
	
133

	
Most Recent AVM Model Name

	
The name of the AVM Vendor if an AVM was used to determine the updated property valuation.

	
Subject Property

	
Numeric – Integer

	
19

	
99

	
If updated value was obtained subsequent to loan approval

	
See Coding

	
See Appendix I

	  
	
134

	
Most Recent AVM Confidence Score

	
If AVM used to determine the updated property valuation, the confidence range presented on the AVM report.

	
Subject Property

	
Numeric – Decimal

	
0.85

	
9.999999

	
If “Most Recent AVM Model Name” > 0

	
>= 0 to <= 1

	  	  
	
135

	
Original CLTV

	
The ratio obtained by dividing the amount of all known outstanding mortgage liens on a property at origination by the lesser of the appraised value or the sales price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.96

	
9.999999

	
Always

	
>= 0 and <= 1.5

	  	  
	
136

	
Original LTV

	
The ratio obtained by dividing the original mortgage loan amount on the note date by the lesser of the mortgaged property’s appraised value on the note date or its purchase price.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
0.8

	
9.999999

	
Always

	
>= 0 and <= 1.25

	  	  
	
137

	
Original Pledged Assets

	
The total value of assets pledged as collateral for the loan at the time of origination. Pledged assets may include cash or marketable securities.

	
Loan-to-Value (LTV)

	
Numeric – Decimal

	
75000

	
9(10).99

	
Always

	
>=0

	  	  
	
138

	
Mortgage Insurance Company Name

	
The name of the entity providing mortgage insurance for a loan.

	
Mortgage Insurance

	
Numeric – Integer

	
3

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
139

	
Mortgage Insurance Percent

	
Mortgage Insurance coverage percentage.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
“Mortgage Insurance Company Name” > 0

	
>= 0 to <= 1

	  	  
	
140

	
MI: Lender or Borrower Paid?

	
An indicator of whether mortgage insurance is paid by the borrower or the lender.

	
Mortgage Insurance

	
Numeric – Integer

	
1

	
99

	
“Mortgage Insurance Company Name” > 0

	
See Coding

	
1 = Borrower-Paid


2 = Lender- Paid


99 = Unknown

	  
	
141

	
Pool Insurance Co. Name

	
Name of pool insurance provider.

	
Mortgage Insurance

	
Numeric – Integer

	
8

	
99

	
Always

	
See Coding

	
See Appendix G

	  
	
142

	
Pool Insurance Stop Loss %

	
The aggregate amount that a pool insurer will pay, calculated as a percentage of the pool balance.

	
Mortgage Insurance

	
Numeric – Decimal

	
0.25

	
9.999999

	
Pool MI Company > 0

	
>= 0 to <= 1

	  	  
	
143

	
MI Certificate Number

	
The unique number assigned to each individual loan insured under an MI policy.

	
Mortgage Insurance

	
Text

	
123456789G

	
X(20)

	
MI Company


> 0

	
UNK = Unknown

	  	  
	
144

	
Updated DTI


(Front-end)

	
Updated front-end DTI ratio (total monthly housing expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
145

	
Updated DTI


(Back-end)

	
Updated back-end DTI ratio (total monthly debt expense divided by total monthly income) used to qualify the loan modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.35

	
9.999999

	
Modified Loans Only

	
>= 0 and >= 1

	  	  
	
146

	
Modification Effective Payment Date

	
Date of first payment due post modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
147

	
Total Capitalized Amount

	
Amount added to the principal balance of a loan due to the modification.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
148

	
Total Deferred Amount

	
Any non-interest-bearing deferred amount (e.g., principal, interest and fees).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
149

	
Pre-Modification Interest (Note) Rate

	
Scheduled Interest Rate Of The Loan Immediately Preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.075

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
150

	
Pre-Modification P&I Payment

	
Scheduled Total Principal And Interest Payment Amount Preceding The Modification Effective Payment Date – or if servicer is no longer advancing P&I, the payment that would be in effect if the loan were current.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
2310.57

	
9(10).99

	
Modified Loans Only

	
> 0

	  	  
	
151

	
Pre-Modification Initial Interest Rate Change Downward Cap

	
Maximum amount the rate can adjust downward on the first interest rate adjustment date (prior to modification) – Only provide if the rate floor is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
152

	
Pre-Modification Subsequent Interest Rate Cap

	
Maximum increment the rate can adjust upward AFTER the initial rate adjustment (prior to modification) – Only provide if the Cap is modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
0.015

	
9.999999

	
Modified Loans Only

	
>= 0 to <= 1

	  	  
	
153

	
Pre-Modification Next Interest Rate Change Date

	
Next Interest Reset Date Under The Original Terms Of The Loan (one month prior to new payment due date).

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Date

	
20090914

	
YYYYMMDD

	
Modified Loans Only

	
“19010101” if unknown

	  	  
	
154

	
Pre-Modification I/O Term

	
Interest Only Term (in months) preceding The Modification Effective Payment Date.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
36

	
999

	
Modified Loans Only

	
>= 0 to <= 120

	  	  
	
155

	
Forgiven Principal Amount

	
The sum total of all principal balance reductions (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
156

	
Forgiven Interest Amount

	
The sum total of all interest incurred and forgiven (as a result of loan modification) over the life of the loan.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Decimal

	
12000

	
9(10).99

	
Modified Loans Only

	
>= 0

	  	  
	
157

	
Number of Modifications

	
The number of times the loan has been modified.

	
Loan Modifications (Pertains only to loans modified for loss mitigation purposes)

	
Numeric – Integer

	
1

	
9

	
Modified Loans Only

	
>= 0

	  	  
	
MH-1

	
Real Estate Interest

	
Indicates whether the property on which the manufactured home is situated is owned outright or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than or equal to the loan term.)

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Owned


2 = Short-term lease


3 = Long-term lease


99 = Unavailable

	  
	
MH-2

	
Community Ownership Structure

	
If the manufactured home is situated in a community, a means of classifying ownership of the community.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Coding

	
1 = Public Institutional


2 = Public Non-Institutional


3 = Private Institutional


4 = Private Non-Institutional


5 = HOA-Owned


6 = Non-Community


99 = Unavailable

	  
	
MH-3

	
Year of Manufacture

	
The year in which the home was manufactured (Model Year — YYYY Format). Required only in cases where a full appraisal is not provided.

	
Manufactured Housing

	
Numeric – Integer

	
2006

	
YYYY

	
Manufactured Housing Loans Only

	
1901 = Unavailable

	  	  
	
MH-4

	
HUD Code Compliance  Indicator (Y/N)

	
Indicates whether the home was constructed in accordance with the 1976 HUD code. In general, homes manufactured after 1976 comply with this code.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
9

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No


1 = Yes


99 = Unavailable

	  
	
MH-5

	
Gross Manufacturer’s Invoice Price

	
The total amount that appears on the manufacturer’s invoice (typically includes intangible costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other fees).

	
Manufactured Housing

	
Numeric – Decimal

	
72570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-6

	
LTI (Loan-to-Invoice) Gross

	
The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field MH-5).

	
Manufactured Housing

	
Numeric – Decimal

	
0.75

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-7

	
Net Manufacturer’s Invoice Price

	
The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other fees.

	
Manufactured Housing

	
Numeric – Decimal

	
61570.62

	
9(10).99

	
Manufactured Housing Loans Only

	
>= 0

	  	  
	
MH-8

	
LTI (Net)

	
The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field MH-7).

	
Manufactured Housing

	
Numeric – Decimal

	
0.62

	
9.999999

	
Manufactured Housing Loans Only

	
>= 0 to <= 1

	  	  
	
MH-9

	
Manufacturer Name

	
The manufacturer of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“XYZ Corp”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Manufacturer name in double quotation marks

	  	  
	
MH-10

	
Model Name

	
The model name of the subject property. (To be applied only in cases where no appraised value/other type of property valuation is available.)

	
Manufactured Housing

	
Text

	
“DX5-916-X”

	
Char (100)

	
Manufactured Housing Loans Only (where no appraised value is provided)

	
MH Model name in double quotation marks

	  	  
	
MH-11

	
Down Payment Source

	
An indicator of the source of the down payment used by the borrower to acquire the property and qualify for the mortgage.

	
Manufactured Housing

	
Numeric – Integer

	
2

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
1 = Cash


2 = Proceeds from trade in


3 = Land in Lieu


4 = Other


99 = Unavailable

	  
	
MH-12

	
Community/Related Party Lender (Y/N)

	
An indicator of whether the loan was made by the community owner, an affiliate of the community owner or the owner of the real estate upon which the collateral is located.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No


1 = Yes


99 = Unavailable

	  
	
MH-13

	
Defined Underwriting Criteria (Y/N)

	
An indicator of whether the loan was made in accordance with a defined and/or standardized set of underwriting criteria.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = No


1 = Yes


99 = Unavailable

	  
	
MH-14

	
Chattel Indicator

	
An Indicator of whether the secured property is classified as chattel or Real Estate.

	
Manufactured Housing

	
Numeric – Integer

	
1

	
99

	
Manufactured Housing Loans Only

	
See Codes

	
0 = Real Estate


1 = Chattel


99 = Unavailable

	  





 




  





  











  










ATTACHMENT 2







PURCHASE AGREEMENT


 


See Exhibit 10.17