Unassociated Document


EXHIBIT 10.5


 


EXECUTION VERSION







ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT







THIS ASSIGNMENT, ASSUMPTION AND RECOGNITION AGREEMENT, dated as of January 27, 2012 (the “Assignment”), is entered into by and among Redwood Residential Acquisition Corporation (the “Assignor” and, solely in its capacity as servicing administrator described herein, the “Servicing Administrator”), Sequoia Residential Funding, Inc. (the “Depositor”), Cenlar FSB, as the servicer (the “Servicer”), and U.S. Bank National Association, a national banking association, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” and as referred to herein, the “Assignee”) under a Pooling and Servicing Agreement dated as of January 1, 2012 (the “Pooling and Servicing Agreement”) among the Depositor, the Assignee and Wells Fargo Bank, N.A., as master servicer and securities administrator.


 


RECITALS







WHEREAS, the Assignor and the Servicer have entered into a certain Flow Mortgage Loan Servicing Agreement, dated as of August 1, 2011, as amended by the Amendment No. 1 to Flow Mortgage Loan Servicing Agreement dated November 3, 2011, and hereby (the “Flow Servicing Agreement”), and the Servicer is currently servicing certain mortgage loans (the “Mortgage Loans”) under the Flow Servicing Agreement; and


 


WHEREAS, the Assignor will sell the Mortgage Loans (the “Specified Mortgage Loans”) that are listed on the mortgage loan schedule attached as Exhibit I hereto (the “Specified Mortgage Loan Schedule”) and its rights under the Flow Servicing Agreement with respect to the Specified Mortgage Loans to the Depositor; and


 


WHEREAS, the Depositor will sell to the Assignee all of its right, title and interest in the Specified Mortgage Loans and its rights under the Flow Servicing Agreement with respect to the Specified Mortgage Loans; and


 


WHEREAS, the parties hereto have agreed that the Specified Mortgage Loans shall be subject to the terms of this Assignment.


 


NOW, THEREFORE, in consideration of the mutual promises contained herein and other good and valuable consideration (the receipt and sufficiency of which are hereby acknowledged), the parties agree as follows:


 


1.           Assignment and Assumption.


 


(a)           Effective on and as of the date hereof, the Assignor hereby sells, assigns, conveys and transfers to the Depositor all of its right, title and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the Specified Mortgage Loans, and the Depositor hereby accepts such assignment from the Assignor and assumes such obligations.






  





  











  






 


(b)           Effective on and as of the date hereof, the Depositor hereby sells, assigns, conveys and transfers to the Assignee all of its right, title and interest in, to and under the Flow Servicing Agreement to the extent relating to the Specified Mortgage Loans, together with its obligations as “Owner” (as such term is defined in the Flow Servicing Agreement) to the extent relating to the Specified Mortgage Loans, the Depositor is released from all obligations under the Flow Servicing Agreement, and the Assignee hereby accepts such assignment from the Depositor.


 


(c)           Assignee agrees to be bound, as “Owner” (as such term is defined in the Flow Servicing Agreement), by all of the terms, covenants and conditions of the Flow Servicing Agreement relating to the Specified Mortgage Loans, and from and after the date hereof, Assignee assumes for the benefit of each of Assignor, Depositor and Servicer all of Assignor’s obligations as Owner thereunder in respect of the Specified Mortgage Loans, and Assignor is released from such obligations.


 



	
2.

	
Recognition of the Assignee.







 


From and after the date hereof, subject to Section 3 below, the Servicer shall recognize the Assignee as the holder of the rights and benefits of the Owner with respect to the Specified Mortgage Loans and the Servicer will service the Specified Mortgage Loans for the Assignee as if the Assignee and the Servicer had entered into a separate servicing agreement for the servicing of the Specified Mortgage Loans in the form of the Flow Servicing Agreement with the Assignee as the Owner thereunder, the terms of which Flow Servicing Agreement are incorporated herein by reference and amended hereby.  It is the intention of the parties hereto that this Assignment will be a separate and distinct agreement, and the entire agreement, between the parties hereto to the extent of the Specified Mortgage Loans and shall be binding upon and for the benefit of the respective successors and assigns of the parties hereto.


 



	
3.

	
Continuing Rights and Responsibilities.







 


(a)  Controlling Holder Rights.  The parties hereto agree and acknowledge that Sequoia Mortgage Funding Corporation, an Affiliate of the Depositor, in its capacity as the initial Controlling Holder pursuant to the Pooling and Servicing Agreement, and for so long as it is the Controlling Holder, will assume all of Assignee’s rights and all related responsibilities as Owner under the section of the Flow Servicing Agreement listed below:


 



	
  

	
Flow Servicing Agreement:







 



	
Section

	  	
Matter


	  	  	  
	
11.20

	  	
Servicer Shall Provide Access and Information as Reasonably Required.


	  	
  

	  





(b)           Notwithstanding Sections 1 and 2 above, Assignor reserves its rights under, and does not assign to Assignee or Depositor, the ongoing rights to take action and the responsibilities of the Owner under the Sections of the Flow Servicing Agreement listed below:






  





2











  






 



	
  

	
Flow Servicing Agreement:







 



	
Section

	  	
Matter


	  	  	  
	
Addendum I

	
  

	
Regulation AB Compliance Addendum







 


(c)           In addition, the Servicer agrees to furnish to the Assignor as well as to the Master Servicer copies of reports, notices, statements and other communications required to be delivered by the Servicer pursuant to any of the sections of the Flow Servicing Agreement referred to above and under the following sections, at the times therein specified:


 



	
  

	
Flow Servicing Agreement:







 



	
Section

	  	  
	  	  	  
	
11.09

	  	
Transfer of Accounts.


	  	  	  
	
11.16

	  	
Statements to the Owner.


	  	  	  
	
Subsection 2.04 of Addendum I

	  	
Servicer Compliance Statement.


	  	  	  
	
Subsection 2.05 of Addendum I

	
  

	
Report on Assessment of Compliance and Attestation.







 


(d)           If there is no Controlling Holder under the Pooling and Servicing Agreement, then all rights and responsibilities assumed by the Controlling Holder pursuant to Section 3(a) shall terminate and revert to Assignee.  Assignor will provide thirty (30) days notice to the Servicer of any such termination or a change in the identity of the Controlling Holder of which Assignor has knowledge.


 


(e)           Redwood Residential Acquisition Corporation, in its capacity as Servicing Administrator under this Assignment, hereby assumes the obligations of the Owner, as assigned to the Assignee, and the obligations of the Servicing Administrator, under the Sections of the Flow Servicing Agreement, as amended by this Assignment, listed below:


 



	
  

	
Flow Servicing Agreement:







 



	
Section

	  	
Matter


	 	 	 
	
Clause (i) of the last paragraph of Section 11.13

	  	
Payment by Servicing Administrator for Opinion of Counsel


	  	  	  
	
Last sentence of 11.14, with respect to Servicing Advances only

	  	
Payment of Servicing Advances to Servicer











  





3











  












	
11.17

	  	
P&I Advances


	  	  	  
	
11.25(b)

	  	
Funding of P& I Advances, including without limitation funding of Prepayment Interest Shortfalls pursuant to the second paragraph of Section 11.15


	  	  	  
	
11.25(c)

	  	
Funding of Servicing Advances


	  	  	  
	
14.03

	  	
Payment of termination fees to Servicer


	  	
  

	  





As compensation for such assumption of obligations, the Servicing Administrator shall be entitled to receive from payments on the Specified Mortgage Loans the difference, if any, between the Servicing Fee and the servicing compensation otherwise payable to the Servicer under the Flow Servicing Agreement.  In addition, the Servicing Administrator shall have all the benefits provided to the Servicing Administrator by Subsection 11.05 of the Flow Servicing Agreement.  Any failure of the Servicing Administrator to perform its obligations under this Section 3(e) shall be an additional Event of Default under the Flow Servicing Agreement, entitling the Assignee to terminate both the Servicing Administrator and the Servicer in accordance with the terms of the Flow Servicing Agreement.


 


(f)           The Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 13.01 of the Flow Servicing Agreement to terminate the Servicer following the occurrence of an Event of Default with respect to the Servicer.


 


(g)           The Servicing Administrator may, with the consent of the Master Servicer, exercise the rights of the Owner set forth in Section 14.03 of the Flow Servicing Agreement to terminate the Servicer without cause and transfer servicing.


 


(h)           If the Servicing Administrator exercises its right to terminate the Servicer pursuant to the foregoing paragraphs (f) or (g), no termination of the Servicer shall be effective unless the Servicing Administrator shall have appointed a successor Servicer under the Flow Servicing Agreement approved by the Master Servicer.


 


(i)            No later than March 1 of each year when any Certificates are outstanding, commencing in March 2013, the Servicing Administrator shall provide to the Master Servicer its report on assessment of compliance with applicable servicing criteria specified under Item 1122(d)((2)(iii) of Regulation AB and its compliance statement required under Item 1123 of Regulation AB.






  





4











  






 



	
4.

	
Amendment to the Flow Servicing Agreement.







 


The Flow Servicing Agreement is hereby amended as set forth in Appendix A hereto with respect to the Specified Mortgage Loans.  The rights and obligations under the Flow Servicing Agreement assigned to the Depositor and the Assignee pursuant to this Agreement shall be under the Flow Servicing Agreement as amended as set forth in Appendix A.


 



	
5.

	
Representations and Warranties.







 



(a)        Each of the parties hereto represents and warrants that it is duly and legally authorized to enter into this Assignment.




 



(b)        Each of the parties hereto represents and warrants that this Assignment has been duly authorized, executed and delivered by it and (assuming due authorization, execution and delivery thereof by each of the other parties hereto) constitutes its legal, valid and binding obligation, enforceable against it in accordance with its terms, except as such enforcement may be limited by bankruptcy, insolvency, reorganization or other similar laws affecting the enforcement of creditors’ rights generally and by general equitable principles (regardless of whether such enforcement is considered in a proceeding in equity or at law).




 



	
6.

	
Continuing Effect.







 


Except as contemplated hereby, the Flow Servicing Agreement shall remain in full force and effect in accordance with their terms.  This Assignment constitutes a Reconstitution Agreement as contemplated in Section 32 of the Flow Servicing Agreement and the Reconstitution Date shall be the date hereof with respect to the Specified Mortgage Loans listed on Exhibit I on the date hereof.


 



	
7.

	
Governing Law.







 


This Assignment and the rights and obligations hereunder shall be governed by and construed in accordance with the internal laws of the State of New York.


 



	
8.

	
Notices.







 


Any notices or other communications permitted or required under the Flow Servicing Agreement to be made to the Assignor and Assignee shall be made in accordance with the terms of the Flow Servicing Agreement and shall be sent to the Assignor and Assignee as follows:


 


Assignor:  Redwood Residential Acquisition Corporation


One Belvedere Place, Suite 360


Mill Valley, CA  94941


Attention:  William Moliski







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






  





5











  






 


or to such other address as may hereafter be furnished by the Assignor or Assignee to the other parties in accordance with the provisions of the Flow Servicing Agreement.


 



	
9.

	
Counterparts.







 


This Assignment may be executed in counterparts, each of which when so executed shall be deemed to be an original and all of which when taken together shall constitute one and the same instrument.


 



	
10.

	
Definitions.







 


Any capitalized term used but not defined in this Assignment has the same meaning as in the Flow Servicing Agreement.


 



	
11.

	
Master Servicer.







 


The Servicer hereby acknowledges that Wells Fargo Bank, N.A. (the “Master Servicer”) will act as master servicer and securities administrator under the Pooling and Servicing Agreement and hereby agrees to treat all inquiries, instructions, authorizations and other communications from the Master Servicer as if the same had been received from the Assignee.  The Master Servicer, acting on behalf of the Assignee, shall have the rights of the Assignee as the Owner under the Flow Servicing Agreement, including, without limitation, the right to enforce the obligations of the Servicer and the Servicing Administrator thereunder.  Any notices or other communications permitted or required under the Flow Servicing Agreement to be made to the Assignee shall be made in accordance with the terms of the Flow Servicing Agreement and shall be sent to the Master Servicer at the following address:


 


Wells Fargo Bank, N. A.


P.O. Box 98


Columbia, Maryland 21046


(or, for overnight deliveries, 9062 Old Annapolis Road, Columbia, Maryland  21045)


Attention: Sequoia Mortgage Trust 2012-1


Email:  g=cts-spg-team-a-5@wellsfargo.com




 


or to such other address as may hereafter be furnished by the Master Servicer to Servicer.  Any such notices or other communications permitted or required under the Flow Servicing Agreement may be delivered in electronic format unless manual signature is required in which case a hard copy of such report or communication shall be required.


 


The Servicer shall make all distributions under the Flow Servicing Agreement, as they relate to the Specified Mortgage Loans, to the Master Servicer by wire transfer of immediately funds to:


 


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









  





6











  






 



	
12.

	
Rule 17g-5 Compliance.







 


The Servicer hereby agrees that it shall provide information with respect to the servicing of the Mortgage Loans by the Servicer requested by any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) to the Securities Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”), via electronic mail at 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 Rule 17g-5 Information Provider shall notify the Servicer in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider.  The Servicer shall have no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided by it in accordance with the terms of this Assignment or (ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider.  None of the foregoing restrictions in this Section 12 prohibit or restrict oral or written communications, or providing information, between the Servicer, on the one hand, and any Rating Agency or NRSRO, on the other hand, with regard to (i) such Rating Agency’s or NRSRO’s review of the ratings it assigns to the Servicer, (ii) such Rating Agency’s or NRSRO’s approval of the Servicer as a residential mortgage master, special or primary servicer, or (iii) such Rating Agency’s or NRSRO’s evaluation of the Servicer’s servicing operations in general; provided, however, that the Servicer shall not provide any information relating to the Mortgage Loans to such Rating Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower, property or deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information Provider.


 



	
13.

	
Successors and Assigns.












Upon a transfer of the Specified Mortgage Loans by the Assignee (other than in respect of repurchases by a seller pursuant to the related purchase agreement) to a buyer (“buyer”), such transfer shall constitute a Reconstitution subject to the terms of Section 32 of the Flow Servicing Agreement.  Upon the closing of such transfer, the rights and obligations of Owner held by the Assignor pursuant to this Assignment shall automatically terminate and the buyer shall possess all of the rights and obligations of Owner under the Flow Servicing Agreement, provided, however, that the Assignor shall remain liable for any obligations held by it as Owner arising from or attributable to the period from the date hereof to the closing date of such transfer.


 


[remainder of page intentionally left blank]






  





7











  






 


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


 



	  	
ASSIGNOR:


	 	 
	  	
REDWOOD RESIDENTIAL ACQUISITION CORPORATION


	  	  	  
	  	
By:

	 
/s/ John Isbrandtsen


	  	
Name:

	 
John Isbrandtsen


	  	
Title:

	 
Authorized Officer


	  	  	  
	  	
DEPOSITOR:


	 	 
	  	
SEQUOIA RESIDENTIAL FUNDING, INC.


	  	  	  
	  	
By:

	 
/s/ John Isbrandtsen


	  	
Name:

	 
John Isbrandtsen


	  	
Title:

	 
Authorized Officer


	  	  	  
	  	
ASSIGNEE:


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


	  	  	  
	  	
By:

	 
/s/ Tamara Schultz-Fugh


	  	
Name:

	 
Tamara Schultz-Fugh


	  	
Title:

	 
Vice President


	  	  	  
	  	
SERVICER:


	 	 
	  	
CENLAR FSB


	  	  	  
	  	
By:

	 
/s/ Gregory S. Tornquist


	  	
Name:

	 
Gregory S. Tornquist


	  	
Title:

	 
President/CEO











  





8











  






 



	  	
SERVICING ADMINISTRATOR:


	 	 
	  	
REDWOOD RESIDENTIAL ACQUISITION CORPORATION


	  	  	  
	  	
By:

	 
/s/ John Isbrandtsen


	  	
Name:

	 
John Isbrandtsen


	  	
Title:

	 
Authorized Officer







 



	
Accepted and agreed to by:

	  
	  	  
	
MASTER SERVICER:

	  
	 	 
	
WELLS FARGO BANK, N.A.

	  
	  	  
	
By:

	 
/s/ Graham M. Oglesby

	  
	
Name:

	 
Graham M. Oglesby

	  
	
Title:

	 
Vice President

	  





 




  





9











  








EXHIBIT I


 





	
KEY

	
Primary Servicer

	
Servicing Fee %

	
Servicing Fee—Flatdollar

	
Servicing Advance Methodology

	
Originator

	
Loan Group

	
Loan Number

	
Servicer Number

	
Amortization Type

	
Lien Position

	
HELOC Indicator

	
Loan Purpose


	
1

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001815

	
2058601997

	
1

	
1

	
0

	
9


	
2

	
1000383

	
0.002500

	  	  	
1001863

	
2

	
1000001574

	
212044

	
1

	
1

	
0

	
7


	
3

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001571

	
2105600365

	
1

	
1

	
0

	
7


	
4

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001189

	
2039604549

	
1

	
1

	
0

	
9


	
5

	
1000383

	
0.002500

	  	  	
1008808

	
2

	
1650001624

	
6008684

	
1

	
1

	
0

	
9


	
6

	
1000383

	
0.002500

	  	  	
1000312

	
1

	
1300001182

	
1077462

	
1

	
1

	
0

	
9


	
7

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001401

	
503279849

	
1

	
1

	
0

	
7


	
8

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001194

	
2198600379

	
1

	
1

	
0

	
7


	
9

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001498

	
503294792

	
1

	
1

	
0

	
7


	
10

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001380

	
001082302

	
1

	
1

	
0

	
9


	
11

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001157

	
6014600293

	
1

	
1

	
0

	
7


	
12

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001167

	
3726600119

	
1

	
1

	
0

	
9


	
13

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001181

	
1076082

	
1

	
1

	
0

	
7


	
14

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001275

	
2046605421

	
1

	
1

	
0

	
7


	
15

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001221

	
001081295

	
1

	
1

	
0

	
7


	
16

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001155

	
3643602404

	
1

	
1

	
0

	
3


	
17

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001187

	
3052602876

	
1

	
1

	
0

	
9


	
18

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001117

	
3602601352

	
1

	
1

	
0

	
9


	
19

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001249

	
6005600186

	
1

	
1

	
0

	
9


	
20

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001256

	
2030601875

	
1

	
1

	
0

	
9


	
21

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001340

	
3052602909

	
1

	
1

	
0

	
9


	
22

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001092

	
6014600088

	
2

	
1

	
0

	
7


	
23

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001373

	
503260869

	
1

	
1

	
0

	
9


	
24

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001169

	
3726600244

	
1

	
1

	
0

	
7


	
25

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001400

	
503281720

	
1

	
1

	
0

	
3


	
26

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001395

	
503266350

	
1

	
1

	
0

	
9


	
27

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001307

	
20631100547

	
1

	
1

	
0

	
7


	
28

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001777

	
2027602195

	
2

	
1

	
0

	
7


	
29

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001254

	
21871100062

	
1

	
1

	
0

	
9


	
30

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001371

	
503283192

	
1

	
1

	
0

	
9


	
31

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001970

	
503278341

	
1

	
1

	
0

	
9


	
32

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001253

	
6005600275

	
1

	
1

	
0

	
9


	
33

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001168

	
3726600200

	
1

	
1

	
0

	
9


	
34

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001597

	
503275972

	
1

	
1

	
0

	
9


	
35

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001621

	
6005600235

	
1

	
1

	
0

	
9


	
36

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001383

	
503272061

	
1

	
1

	
0

	
9


	
37

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001433

	
3602601464

	
1

	
1

	
0

	
9


	
38

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001516

	
001080666

	
1

	
1

	
0

	
7


	
39

	
1000383

	
0.002500

	  	  	
1000312

	
1

	
1300001012

	
001070685

	
2

	
1

	
0

	
7


	
40

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001399

	
503260793

	
1

	
1

	
0

	
9


	
41

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001384

	
503273065

	
1

	
1

	
0

	
9


	
42

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001372

	
503234706

	
1

	
1

	
0

	
9


	
43

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001855

	
503335768

	
1

	
1

	
0

	
7


	
44

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001274

	
2198600438

	
1

	
1

	
0

	
9


	
45

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001417

	
503280657

	
1

	
1

	
0

	
7


	
46

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001063

	
2177600280

	
1

	
1

	
0

	
9


	
47

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001374

	
503276011

	
1

	
1

	
0

	
7


	
48

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001527

	
503285149

	
1

	
1

	
0

	
9


	
49

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001375

	
503278520

	
1

	
1

	
0

	
7


	
50

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001284

	
2108600297

	
1

	
1

	
0

	
9


	
51

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001378

	
503257737

	
1

	
1

	
0

	
3


	
52

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001115

	
20321100005

	
1

	
1

	
0

	
9


	
53

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001385

	
503273469

	
1

	
1

	
0

	
9


	
54

	
1000383

	
0.002500

	  	  	
1003970

	
2

	
1400001469

	
2011000462

	
1

	
1

	
0

	
7


	
55

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001402

	
503259752

	
1

	
1

	
0

	
9


	
56

	
1000383

	
0.002500

	  	  	
1008808

	
2

	
1650001511

	
6010270

	
1

	
1

	
0

	
9


	
57

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001317

	
21491100132

	
2

	
1

	
0

	
9


	
58

	
1000383

	
0.002500

	  	  	
1003970

	
2

	
1400001741

	
2011000933

	
1

	
1

	
0

	
3


	
59

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001503

	
503299399

	
1

	
1

	
0

	
9


	
60

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001195

	
3705600434

	
1

	
1

	
0

	
9


	
61

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001387

	
503273456

	
1

	
1

	
0

	
9


	
62

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001556

	
503273037

	
1

	
1

	
0

	
7


	
63

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001398

	
503255085

	
1

	
1

	
0

	
7


	
64

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
      1050001227

	
      2218601128

	
1

	
1

	
0

	
7


	
65

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001397

	
503272937

	
1

	
1

	
0

	
9


	
66

	
1000383

	
0.002500

	  	  	
1000312

	
1

	
1300001270

	
001082241

	
2

	
1

	
0

	
7


	
67

	
1000383

	
0.002500

	  	  	
1008498

	
1

	
1150001632

	
503279768

	
2

	
1

	
0

	
9


	
68

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001481

	
503302762

	
1

	
1

	
0

	
7


	
69

	
1000383

	
0.002500

	  	  	
1008498

	
1

	
1150001694

	
503251726

	
2

	
1

	
0

	
7


	
70

	
1000383

	
0.002500

	  	  	
1001863

	
2

	
1000001642

	
224051

	
1

	
1

	
0

	
7


	
71

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001376

	
503256518

	
1

	
1

	
0

	
9


	
72

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001537

	
503279494

	
1

	
1

	
0

	
9


	
73

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001411

	
503281800

	
1

	
1

	
0

	
9


	
74

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001338

	
6005600286

	
1

	
1

	
0

	
7


	
75

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001517

	
503253990

	
1

	
1

	
0

	
9


	
76

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001899

	
503272246

	
1

	
1

	
0

	
9


	
77

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001755

	
503326005

	
1

	
1

	
0

	
7


	
78

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001580

	
001085417

	
1

	
1

	
0

	
7


	
79

	
1000383

	
0.002500

	  	  	
1003970

	
2

	
1400001850

	
2011001782

	
1

	
1

	
0

	
9


	
80

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001314

	
001081489

	
1

	
1

	
0

	
9


	
81

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001179

	
2001708341

	
1

	
1

	
0

	
9


	
82

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001094

	
2154601108

	
1

	
1

	
0

	
7


	
83

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001229

	
2154601170

	
1

	
1

	
0

	
9


	
84

	
1000383

	
0.002500

	  	  	
1000312

	
1

	
1300001283

	
001078858

	
1

	
1

	
0

	
3


	
85

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001174

	
001080934

	
1

	
1

	
0

	
9


	
86

	
1000383

	
0.002500

	  	  	
1000312

	
2

	
1300001211

	
001081407

	
1

	
1

	
0

	
9


	
87

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001750

	
2045701120

	
1

	
1

	
0

	
9


	
88

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001512

	
2051601642

	
2

	
1

	
0

	
7


	
89

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050000963

	
2238600275

	
1

	
1

	
0

	
9


	
90

	
1000383

	
0.002500

	  	  	
1001863

	
2

	
1000001250

	
231027

	
1

	
1

	
0

	
9


	
91

	
1000383

	
0.002500

	  	  	
1001863

	
1

	
1000001251

	
231043

	
1

	
1

	
0

	
9


	
92

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001222

	
3651604471

	
1

	
1

	
0

	
7


	
93

	
1000383

	
0.002500

	  	  	
1000536

	
2

	
1050001758

	
3706601428

	
1

	
1

	
0

	
9


	
94

	
1000383

	
0.002500

	  	  	
1000536

	
1

	
1050001067

	
3707602678

	
2

	
1

	
0

	
9


	
95

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001681

	
503254794

	
1

	
1

	
0

	
3


	
96

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001486

	
503301258

	
1

	
1

	
0

	
9


	
97

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001768

	
503325948

	
1

	
1

	
0

	
7


	
98

	
1000383

	
0.002500

	  	  	
1008498

	
2

	
1150001888

	
503339764

	
1

	
1

	
0

	
7


	
99

	
1000383

	
0.002500

	  	  	
1008808

	
1

	
1650001458

	
6010180

	
1

	
1

	
0

	
9


	
100

	
1000383

	
0.002500

	  	  	
1008808

	
2

	
1650001762

	
8000383

	
1

	
1

	
0

	
9











 




	
KEY

	
Cash Out Amount

	
Total Origination and Discount Points

	
Covered/High Cost Loan Indicator

	
Relocation Loan Indicator

	
Broker Indicator

	
Channel

	
Escrow Indicator

	
Senior Loan


Amount(s)

	
Loan Type of Most


Senior Lien

	
Hybrid Period of


Most Senior Lien (in


months)

	
Neg Am Limit of


Most Senior Lien

	
Junior Mortgage


Balance


	
1

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
2

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
3

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
4

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
5

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
6

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
7

	  	  	  	  	  	
2

	
4

	
0

	  	  	  	
0.00


	
8

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
9

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
10

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
11

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
12

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
13

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
14

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
15

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
16

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
17

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
18

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
19

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
20

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
21

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
22

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
23

	  	  	  	  	  	
2

	
4

	
0

	  	  	  	
0.00


	
24

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
25

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
26

	  	  	  	  	  	
2

	
4

	
0

	  	  	  	
0.00


	
27

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
28

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
29

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
70000.00


	
30

	  	  	  	  	  	
2

	
4

	
0

	  	  	  	
0.00


	
31

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
32

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
33

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
34

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
35

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
36

	  	  	  	  	  	
2

	
0

	
0

	  	  	  	
0.00


	
37

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
38

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
39

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
40

	  	  	  	  	  	
2

	
0

	
0

	  	  	  	
0.00


	
41

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
42

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
43

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
44

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
301775.00


	
45

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
46

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
47

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
48

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
49

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
50

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
51

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
52

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
53

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
54

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
55

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
56

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
57

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
300000.00


	
58

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
59

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
60

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
61

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
62

	  	  	  	  	  	
2

	
0

	
0

	  	  	  	
0.00


	
63

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
64

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
65

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
66

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
67

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
68

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
69

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
70

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
71

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
72

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
73

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
74

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
75

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
76

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
77

	  	  	  	  	  	
2

	
4

	
0

	  	  	  	
0.00


	
78

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
79

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
80

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
81

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
82

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
83

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
500000.00


	
84

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
85

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
86

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
87

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
88

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
89

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
90

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
91

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
92

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00


	
93

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
250000.00


	
94

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
95

	  	  	  	  	  	
2

	
4

	
0

	  	  	  	
0.00


	
96

	  	  	  	  	  	
4

	
0

	
0

	  	  	  	
0.00


	
97

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
98

	  	  	  	  	  	
4

	
4

	
0

	  	  	  	
0.00


	
99

	  	  	  	  	  	
1

	
4

	
0

	  	  	  	
0.00


	
100

	  	  	  	  	  	
1

	
0

	
0

	  	  	  	
0.00









 




	
KEY

	
Origination Date of


Most Senior Lien

	
Origination Date

	
Original Loan


Amount

	
Original Interest


Rate

	
Original


Amortization Term

	
Original Term to


Maturity

	
First Payment Date


of Loan

	
Interest Type


Indicator

	
Original Interest


Only Term

	
Buy Down Period

	
HELOC Draw Period

	
Current Loan


Amount


	
1

	  	
20111019

	
     435500.00

	
0.037500

	
180

	
180

	
      20111201

	
1

	
0

	
0

	  	
431882.13


	
2

	  	
20111010

	
445000.00

	
0.046250

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
443855.88


	
3

	  	
20110916

	
482400.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
480613.31


	
4

	  	
20110921

	
485000.00

	
0.038750

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
479007.60


	
5

	  	
20110928

	
486500.00

	
0.051250

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
482622.58


	
6

	  	
20110822

	
490000.00

	
0.041250

	
180

	
180

	
20111001

	
1

	
0

	
0

	  	
482075.80


	
7

	  	
20110923

	
500000.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
498148.12


	
8

	  	
20110824

	
508000.00

	
0.046250

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
505369.20


	
9

	  	
20111004

	
508000.00

	
0.047500

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
506719.19


	
10

	  	
20110916

	
510000.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
508111.10


	
11

	  	
20110805

	
530800.00

	
0.047500

	
180

	
180

	
20111001

	
1

	
0

	
0

	  	
522641.13


	
12

	  	
20110819

	
536250.00

	
0.036250

	
180

	
180

	
20111001

	
1

	
0

	
0

	  	
527222.64


	
13

	  	
20110819

	
542500.00

	
0.047500

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
539753.57


	
14

	  	
20110915

	
546400.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
544329.48


	
15

	  	
20110923

	
546800.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
544628.93


	
16

	  	
20110826

	
555000.00

	
0.038750

	
180

	
180

	
20111001

	
1

	
0

	
0

	  	
545842.15


	
17

	  	
20110907

	
560000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
557877.94


	
18

	  	
20110926

	
566175.00

	
0.045000

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
559526.00


	
19

	  	
20110524

	
590000.00

	
0.041250

	
180

	
180

	
20110701

	
1

	
0

	
0

	  	
561133.49


	
20

	  	
20110926

	
572000.00

	
0.037500

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
562851.72


	
21

	  	
20110923

	
575500.00

	
0.037500

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
567502.58


	
22

	  	
20110727

	
578250.00

	
0.032500

	
360

	
360

	
20110901

	
1

	
0

	
0

	  	
573466.24


	
23

	  	
20110919

	
580000.00

	
0.052500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
577050.67


	
24

	  	
20110808

	
586800.00

	
0.048750

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
583896.31


	
25

	  	
20110914

	
591000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
588578.53


	
26

	  	
20110912

	
603750.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
601462.15


	
27

	  	
20110915

	
612000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
609680.90


	
28

	  	
20111006

	
622400.00

	
0.035000

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
620438.11


	
29

	  	
20111003

	
628000.00

	
0.038750

	
180

	
180

	
20111201

	
1

	
0

	
0

	  	
622835.51


	
30

	  	
20110923

	
660000.00

	
0.046250

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
655073.23


	
31

	  	
20111031

	
668000.00

	
0.045000

	
360

	
360

	
20120101

	
1

	
0

	
0

	  	
667120.34


	
32

	  	
20111003

	
677000.00

	
0.038750

	
180

	
180

	
20111201

	
1

	
0

	
0

	  	
671432.54


	
33

	  	
20110819

	
680000.00

	
0.047500

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
676557.50


	
34

	  	
20111003

	
681600.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
679075.54


	
35

	  	
20110926

	
690000.00

	
0.038750

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
681474.72


	
36

	  	
20110914

	
690000.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
683415.92


	
37

	  	
20110928

	
700000.00

	
0.037500

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
691263.58


	
38

	  	
20111010

	
700000.00

	
0.048750

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
698275.08


	
39

	  	
20110915

	
716000.00

	
0.042500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
713030.13


	
40

	  	
20110906

	
717000.00

	
0.046250

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
714139.56


	
41

	  	
20110923

	
733000.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
730285.13


	
42

	  	
20111006

	
760000.00

	
0.052500

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
758252.69


	
43

	  	
20111028

	
762350.00

	
0.050000

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
760514.18


	
44

	  	
20110922

	
780000.00

	
0.036250

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
769411.60


	
45

	  	
20110901

	
780000.00

	
0.053750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
777366.05


	
46

	  	
20110826

	
785000.00

	
0.045000

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
779918.05


	
47

	  	
20110916

	
791250.00

	
0.045000

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
788112.38


	
48

	  	
20111026

	
795000.00

	
0.048750

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
793040.99


	
49

	  	
20110830

	
800000.00

	
0.046250

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
795856.97


	
50

	  	
20111005

	
813450.00

	
0.037500

	
180

	
180

	
20111201

	
1

	
0

	
0

	  	
806492.34


	
51

	  	
20110928

	
824000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
820877.55


	
52

	  	
20110915

	
826000.00

	
0.050000

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
821878.12


	
53

	  	
20110926

	
828500.00

	
0.051250

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
825569.47


	
54

	  	
20110907

	
850000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
846779.02


	
55

	  	
20110902

	
870000.00

	
0.053750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
867062.26


	
56

	  	
20111012

	
875000.00

	
0.048750

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
872843.87


	
57

	  	
20111013

	
887000.00

	
0.035000

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
874982.50


	
58

	  	
20111011

	
892000.00

	
0.046250

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
889699.17


	
59

	  	
20111107

	
892000.00

	
0.047500

	
360

	
360

	
20120101

	
1

	
0

	
0

	  	
890877.74


	
60

	  	
20110826

	
920000.00

	
0.046250

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
914666.20


	
61

	  	
20110919

	
923000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
919502.38


	
62

	  	
20111012

	
945000.00

	
0.048750

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
942671.36


	
63

	  	
20110912

	
980000.00

	
0.052500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
969104.25


	
64

	  	
20110927

	
999900.00

	
0.038750

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
987545.74


	
65

	  	
20110912

	
992000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
987613.21


	
66

	  	
20110829

	
1000000.00

	
0.030000

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
993110.06


	
67

	  	
20110921

	
1000000.00

	
0.042500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
995852.15


	
68

	  	
20110923

	
1000000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
996211.64


	
69

	  	
20111026

	
999900.00

	
0.046250

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
997320.84


	
70

	  	
20111011

	
1000000.00

	
0.046250

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
997420.58


	
71

	  	
20110909

	
1000000.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
996296.25


	
72

	  	
20110912

	
1000000.00

	
0.043750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
995944.19


	
73

	  	
20110927

	
1050000.00

	
0.050000

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
1047471.48


	
74

	  	
20110916

	
1080000.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
1075999.95


	
75

	  	
20110902

	
1130000.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
1122896.90


	
76

	  	
20111026

	
1147000.00

	
0.053750

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
1144423.98


	
77

	  	
20111025

	
1155000.00

	
0.048750

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
1152153.89


	
78

	  	
20111005

	
1176000.00

	
0.047500

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
1173035.00


	
79

	  	
20111110

	
1271702.00

	
0.046250

	
360

	
360

	
20120101

	
1

	
0

	
0

	  	
1270065.03


	
80

	  	
20110930

	
1500000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
1493921.58


	
81

	  	
20110926

	
1818750.00

	
0.048750

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
1812013.82


	
82

	  	
20110829

	
1950000.00

	
0.048750

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
1930350.65


	
83

	  	
20110929

	
2000000.00

	
0.046250

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
1992246.82


	
84

	  	
20111019

	
820000.00

	
0.038750

	
180

	
180

	
20111201

	
1

	
0

	
0

	  	
813256.57


	
85

	  	
20110914

	
507000.00

	
0.050000

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
505164.80


	
86

	  	
20110926

	
525000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
523010.57


	
87

	  	
20111025

	
581950.00

	
0.038750

	
180

	
180

	
20111201

	
1

	
0

	
0

	  	
577164.21


	
88

	  	
20111014

	
826000.00

	
0.035000

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
823396.33


	
89

	  	
20110815

	
1844500.00

	
0.048750

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
1835372.70


	
90

	  	
20111020

	
800000.00

	
0.048750

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
798028.66


	
91

	  	
20111024

	
640000.00

	
0.036250

	
180

	
180

	
20111201

	
1

	
0

	
0

	  	
634374.27


	
92

	  	
20110914

	
500000.00

	
0.041250

	
180

	
180

	
20111101

	
1

	
0

	
0

	  	
493945.97


	
93

	  	
20110916

	
1114000.00

	
0.047500

	
360

	
360

	
20111101

	
1

	
0

	
0

	  	
1109778.64


	
94

	  	
20110817

	
671000.00

	
0.033750

	
360

	
360

	
20111001

	
1

	
0

	
0

	  	
666664.63


	
95

	  	
20111103

	
864000.00

	
0.048750

	
360

	
360

	
20120101

	
1

	
0

	
0

	  	
862937.64


	
96

	  	
20111103

	
1388500.00

	
0.048750

	
360

	
360

	
20120101

	
1

	
0

	
0

	  	
1386792.72


	
97

	  	
20111108

	
580000.00

	
0.053750

	
360

	
360

	
20120101

	
1

	
0

	
0

	  	
579350.09


	
98

	  	
20111109

	
763000.00

	
0.045000

	
360

	
360

	
20120101

	
1

	
0

	
0

	  	
761995.24


	
99

	  	
20111017

	
1290000.00

	
0.038750

	
180

	
180

	
20111201

	
1

	
0

	
0

	  	
1279391.41


	
100

	  	
20111025

	
758000.00

	
0.051250

	
360

	
360

	
20111201

	
1

	
0

	
0

	  	
756216.36









 




	
KEY

	
Current Interest


Rate

	
Current Payment


Amount Due

	
Interest Paid


Through Date

	
Current Payment


Status

	
Index Type

	
ARM Look-back


Days

	
Gross Margin

	
ARM Round Flag

	
ARM Round Factor

	
Initial Fixed Rate


Period

	
Initial Interest Rate


Cap (Change Up)

	
Initial Interest Rate


Cap (Change Down)


	
1

	
0.037500

	
3167.05

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
2

	
0.046250

	
2287.92

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
3

	
0.048750

	
2552.90

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
4

	
0.038750

	
3557.18

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
5

	
0.051250

	
2648.93

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
6

	
0.041250

	
3655.24

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
7

	
0.048750

	
2646.04

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
8

	
0.046250

	
2611.83

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
9

	
0.047500

	
2649.97

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
10

	
0.048750

	
2698.96

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
11

	
0.047500

	
4128.73

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
12

	
0.036250

	
3866.56

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
13

	
0.047500

	
2829.94

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
14

	
0.047500

	
2850.28

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
15

	
0.048750

	
2893.71

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
16

	
0.038750

	
4070.59

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
17

	
0.047500

	
2921.23

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
18

	
0.045000

	
4331.20

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
19

	
0.041250

	
4401.21

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
20

	
0.037500

	
4159.71

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
21

	
0.037500

	
4185.17

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
22

	
0.032500

	
2516.58

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
60

	
0.050000

	
0.050000


	
23

	
0.052500

	
3202.78

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
24

	
0.048750

	
3105.39

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
25

	
0.047500

	
3082.94

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
26

	
0.047500

	
3149.45

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
27

	
0.047500

	
3192.48

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
28

	
0.035000

	
2794.85

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
60

	
0.050000

	
0.050000


	
29

	
0.038750

	
4606.00

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
30

	
0.046250

	
3393.32

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
31

	
0.045000

	
3384.66

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
32

	
0.038750

	
4965.39

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
33

	
0.047500

	
3547.20

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
34

	
0.048750

	
3607.08

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
35

	
0.038750

	
5060.73

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
36

	
0.048750

	
3651.54

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
37

	
0.037500

	
5090.56

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
38

	
0.048750

	
3704.46

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
39

	
0.042500

	
3522.29

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
120

	
0.050000

	
0.050000


	
40

	
0.046250

	
3686.38

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
41

	
0.048750

	
3879.10

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
42

	
0.052500

	
4196.75

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
43

	
0.050000

	
4092.46

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
44

	
0.036250

	
5624.09

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
45

	
0.053750

	
4367.78

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
46

	
0.045000

	
3977.48

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
47

	
0.045000

	
4009.15

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
48

	
0.048750

	
4207.21

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
49

	
0.046250

	
4113.12

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
50

	
0.037500

	
5915.59

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
51

	
0.047500

	
4298.37

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
52

	
0.050000

	
4434.15

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
53

	
0.051250

	
4511.07

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
54

	
0.047500

	
4434.00

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
55

	
0.053750

	
4871.75

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
56

	
0.048750

	
4630.57

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
57

	
0.035000

	
3983.03

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
60

	
0.050000

	
0.050000


	
58

	
0.046250

	
4586.12

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
59

	
0.047500

	
4653.09

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
60

	
0.046250

	
4730.08

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
61

	
0.047500

	
4814.81

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
62

	
0.048750

	
5001.02

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
63

	
0.052500

	
5411.60

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
64

	
0.038750

	
7333.66

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
65

	
0.047500

	
5174.74

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
66

	
0.030000

	
4216.04

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
60

	
0.050000

	
0.050000


	
67

	
0.042500

	
4919.40

	
20120101

	
0

	
39

	
30

	
0.022500

	
3

	
0.001250

	
120

	
0.050000

	
0.050000


	
68

	
0.047500

	
5216.47

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
69

	
0.046250

	
5140.88

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
120

	
0.050000

	
0.050000


	
70

	
0.046250

	
5141.40

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
71

	
0.048750

	
5292.08

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
72

	
0.043750

	
4992.85

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
73

	
0.050000

	
5636.63

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
74

	
0.048750

	
5715.45

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
75

	
0.048750

	
5980.05

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
76

	
0.053750

	
6422.87

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
77

	
0.048750

	
6112.36

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
78

	
0.047500

	
6134.57

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
79

	
0.046250

	
6538.32

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
80

	
0.047500

	
7824.71

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
81

	
0.048750

	
9624.97

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
82

	
0.048750

	
319.56

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
83

	
0.046250

	
282.79

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
84

	
0.038750

	
6014.20

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
85

	
0.050000

	
2721.69

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
86

	
0.047500

	
2738.65

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
87

	
0.038750

	
4268.25

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
88

	
0.035000

	
3709.11

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
60

	
0.050000

	
0.050000


	
89

	
0.048750

	
9761.25

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
90

	
0.048750

	
4233.67

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
91

	
0.036250

	
4614.64

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
92

	
0.041250

	
3729.84

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
93

	
0.047500

	
5811.15

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
94

	
0.033750

	
2966.47

	
20120101

	
0

	
39

	
45

	
0.022500

	
3

	
0.001250

	
60

	
0.050000

	
0.050000


	
95

	
0.048750

	
4572.36

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
96

	
0.048750

	
7348.06

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
97

	
0.053750

	
3247.83

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
98

	
0.045000

	
3866.01

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
99

	
0.038750

	
9461.37

	
20120101

	
0

	
0

	  	  	  	  	  	  	  
	
100

	
0.051250

	
4127.21

	
20120101

	
0

	
0

	  	  	  	  	  	  	  







 




	
KEY

	
Subsequent Interest


Rate Reset Period

	
Subsequent Interest


Rate Cap (Change Down)

	
Subsequent Interest


Rate Cap (Change


Up)

	
Lifetime Maximum


Rate (Ceiling)

	
Lifetime Minimum


Rate (Floor)

	
Negative


Amortization Limit

	
Initial Negative


Amortization Recast


Period

	
Subsequent


Negative


Amortization Recast


Period

	
Initial Fixed


Payment Period

	
Subsequent


Payment Reset


Period

	
Initial Periodic


Payment Cap

	
Subsequent


Periodic Payment


Cap

	
Initial Minimum


Payment Reset


Period

	
Subsequent


Minimum Payment


Reset Period


	
1

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
2

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
3

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
4

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
5

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
6

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
7

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
8

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
9

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
10

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
11

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
12

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
13

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
14

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
15

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
16

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
17

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
18

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
19

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
20

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
21

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
22

	
12

	
0.020000

	
0.020000

	
0.082500

	
0.022500

	  	  	  	  	  	  	  	  	  
	
23

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
24

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
25

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
26

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
27

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
28

	
12

	
0.020000

	
0.020000

	
0.085000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
29

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
30

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
31

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
32

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
33

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
34

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
35

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
36

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
37

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
38

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
39

	
12

	
0.020000

	
0.020000

	
0.092500

	
0.022500

	  	  	  	  	  	  	  	  	  
	
40

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
41

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
42

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
43

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
44

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
45

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
46

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
47

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
48

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
49

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
50

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
51

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
52

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
53

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
54

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
55

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
56

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
57

	
12

	
0.020000

	
0.020000

	
0.085000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
58

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
59

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
60

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
61

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
62

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
63

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
64

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
65

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
66

	
12

	
0.020000

	
0.020000

	
0.080000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
67

	
12

	
0.020000

	
0.020000

	
0.092500

	
0.022500

	  	  	  	  	  	  	  	  	  
	
68

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
69

	
12

	
0.020000

	
0.020000

	
0.096250

	
0.022500

	  	  	  	  	  	  	  	  	  
	
70

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
71

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
72

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
73

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
74

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
75

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
76

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
77

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
78

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
79

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
80

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
81

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
82

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
83

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
84

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
85

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
86

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
87

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
88

	
6

	
0.020000

	
0.020000

	
0.085000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
89

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
90

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
91

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
92

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
93

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
94

	
6

	
0.020000

	
0.020000

	
0.083750

	
0.022500

	  	  	  	  	  	  	  	  	  
	
95

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
96

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
97

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
98

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
99

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
100

	  	  	  	  	  	  	  	  	  	  	  	  	  	  







 




	
KEY

	
Subsequent Interest


Rate Reset Period

	
Subsequent Interest


Rate Cap (Change Down)

	
Subsequent Interest


Rate Cap (Change


Up)

	
Lifetime Maximum


Rate (Ceiling)

	
Lifetime Minimum


Rate (Floor)

	
Negative


Amortization Limit

	
Initial Negative


Amortization Recast


Period

	
Subsequent


Negative


Amortization Recast


Period

	
Initial Fixed


Payment Period

	
Subsequent


Payment Reset


Period

	
Initial Periodic


Payment Cap

	
Subsequent


Periodic Payment


Cap

	
Initial Minimum


Payment Reset


Period

	
Subsequent


Minimum Payment


Reset Period


	
1

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
2

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
3

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
4

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
5

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
6

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
7

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
8

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
9

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
10

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
11

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
12

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
13

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
14

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
15

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
16

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
17

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
18

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
19

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
20

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
21

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
22

	
12

	
0.020000

	
0.020000

	
0.082500

	
0.022500

	  	  	  	  	  	  	  	  	  
	
23

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
24

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
25

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
26

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
27

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
28

	
12

	
0.020000

	
0.020000

	
0.085000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
29

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
30

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
31

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
32

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
33

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
34

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
35

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
36

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
37

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
38

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
39

	
12

	
0.020000

	
0.020000

	
0.092500

	
0.022500

	  	  	  	  	  	  	  	  	  
	
40

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
41

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
42

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
43

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
44

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
45

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
46

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
47

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
48

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
49

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
50

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
51

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
52

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
53

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
54

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
55

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
56

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
57

	
12

	
0.020000

	
0.020000

	
0.085000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
58

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
59

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
60

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
61

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
62

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
63

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
64

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
65

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
66

	
12

	
0.020000

	
0.020000

	
0.080000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
67

	
12

	
0.020000

	
0.020000

	
0.092500

	
0.022500

	  	  	  	  	  	  	  	  	  
	
68

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
69

	
12

	
0.020000

	
0.020000

	
0.096250

	
0.022500

	  	  	  	  	  	  	  	  	  
	
70

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
71

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
72

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
73

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
74

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
75

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
76

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
77

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
78

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
79

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
80

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
81

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
82

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
83

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
84

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
85

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
86

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
87

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
88

	
6

	
0.020000

	
0.020000

	
0.085000

	
0.022500

	  	  	  	  	  	  	  	  	  
	
89

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
90

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
91

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
92

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
93

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
94

	
6

	
0.020000

	
0.020000

	
0.083750

	
0.022500

	  	  	  	  	  	  	  	  	  
	
95

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
96

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
97

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
98

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
99

	  	  	  	  	  	  	  	  	  	  	  	  	  	  
	
100

	  	  	  	  	  	  	  	  	  	  	  	  	  	  







 




	
KEY

	
Length of


Employment:


Borrower

	
Length of


Employment: Co-


Borrower

	
Years in Home

	
FICO Model Used

	
Most Recent FICO


Date

	
Primary Wage


Earner Original


FICO: Equifax

	
Primary Wage


Earner Original


FICO: Experian

	
Primary Wage


Earner Original


FICO: TransUnion

	
Secondary Wage


Earner Original


FICO: Equifax

	
Secondary Wage


Earner Original


FICO: Experian

	
Secondary Wage


Earner Original


FICO: TransUnion

	
Original


Primary Borrower


FICO


	
1

	
0

	
27

	
9

	
1

	  	  	  	  	  	  	  	
812


	
2

	
1.8

	  	
0

	
1

	  	  	  	  	  	  	  	
809


	
3

	
2.08

	  	
0

	
1

	  	  	  	  	  	  	  	
720


	
4

	
29

	
18

	
8

	
1

	  	  	  	  	  	  	  	
802


	
5

	
12

	
11

	
18.6

	
1

	  	  	  	  	  	  	  	
765


	
6

	
2

	  	
6

	
1

	  	  	  	  	  	  	  	
819


	
7

	
6

	  	
0

	
1

	  	  	  	  	  	  	  	
748


	
8

	
0.01

	  	
0

	
1

	  	  	  	  	  	  	  	
793


	
9

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
777


	
10

	
17

	
3

	
2

	
1

	  	  	  	  	  	  	  	
806


	
11

	
2

	
0

	
0

	
1

	  	  	  	  	  	  	  	
792


	
12

	
13.58

	  	
10

	
1

	  	  	  	  	  	  	  	
742


	
13

	
12

	  	
0

	
1

	  	  	  	  	  	  	  	
748


	
14

	
9

	  	
0

	
1

	  	  	  	  	  	  	  	
791


	
15

	
17

	  	
0

	
1

	  	  	  	  	  	  	  	
783


	
16

	
21

	  	
1.1

	
1

	  	  	  	  	  	  	  	
804


	
17

	
18.5

	  	
4

	
1

	  	  	  	  	  	  	  	
750


	
18

	
21

	  	
14

	
1

	  	  	  	  	  	  	  	
797


	
19

	
18

	  	
8

	
1

	
20111205

	  	  	  	  	  	  	
796


	
20

	
20

	  	
8

	
1

	  	  	  	  	  	  	  	
781


	
21

	
16

	
8

	
1.5

	
1

	  	  	  	  	  	  	  	
793


	
22

	
9.05

	
12

	
0

	
1

	
20111205

	  	  	  	  	  	  	
765


	
23

	
6

	
5

	
6

	
1

	  	  	  	  	  	  	  	
742


	
24

	
9.1

	  	
0

	
1

	  	  	  	  	  	  	  	
779


	
25

	
0

	  	
3

	
1

	  	  	  	  	  	  	  	
745


	
26

	
0

	  	
5

	
1

	  	  	  	  	  	  	  	
765


	
27

	
10.67

	
14

	
0

	
1

	  	  	  	  	  	  	  	
755


	
28

	
24.4

	  	
0

	
1

	  	  	  	  	  	  	  	
717


	
29

	
1.47

	  	
1.42

	
1

	  	  	  	  	  	  	  	
765


	
30

	
6

	  	
8

	
1

	  	  	  	  	  	  	  	
793


	
31

	
0

	  	
11

	
1

	  	  	  	  	  	  	  	
711


	
32

	
0

	  	
5

	
1

	  	  	  	  	  	  	  	
716


	
33

	
16.5

	  	
4

	
1

	  	  	  	  	  	  	  	
786


	
34

	
3

	  	
1

	
1

	  	  	  	  	  	  	  	
767


	
35

	
5

	  	
6

	
1

	  	  	  	  	  	  	  	
779


	
36

	
0

	  	
4

	
1

	  	  	  	  	  	  	  	
813


	
37

	
3.5

	  	
2

	
1

	  	  	  	  	  	  	  	
791


	
38

	
9

	  	
0

	
1

	  	  	  	  	  	  	  	
784


	
39

	
2.83

	
10

	
0

	
1

	  	  	  	  	  	  	  	
780


	
40

	
0

	  	
2

	
1

	  	  	  	  	  	  	  	
710


	
41

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
778


	
42

	
0

	  	
3

	
1

	  	  	  	  	  	  	  	
786


	
43

	
0

	
3

	
0

	
1

	  	  	  	  	  	  	  	
788


	
44

	
6.67

	  	
5

	
1

	  	  	  	  	  	  	  	
786


	
45

	
0

	
6

	
0

	
1

	  	  	  	  	  	  	  	
743


	
46

	
15

	  	
1

	
1

	  	  	  	  	  	  	  	
768


	
47

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
752


	
48

	
0

	  	
16

	
1

	  	  	  	  	  	  	  	
755


	
49

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
792


	
50

	
25

	  	
4

	
1

	  	  	  	  	  	  	  	
750


	
51

	
0

	
2

	
0

	
1

	  	  	  	  	  	  	  	
753


	
52

	
13

	  	
4

	
1

	  	  	  	  	  	  	  	
726


	
53

	
0

	  	
4

	
1

	  	  	  	  	  	  	  	
812


	
54

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
707


	
55

	
0

	  	
3

	
1

	  	  	  	  	  	  	  	
757


	
56

	
24

	  	
24

	
1

	  	  	  	  	  	  	  	
796


	
57

	
50.42

	  	
27.08

	
1

	  	  	  	  	  	  	  	
808


	
58

	
6

	
15

	
6

	
1

	  	  	  	  	  	  	  	
727


	
59

	
0

	  	
2

	
1

	  	  	  	  	  	  	  	
766


	
60

	
13.9

	
4

	
5.5

	
1

	  	  	  	  	  	  	  	
773


	
61

	
0

	  	
2

	
1

	  	  	  	  	  	  	  	
785


	
62

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
731


	
63

	
9

	
0

	
0

	
1

	  	  	  	  	  	  	  	
768


	
64

	
15

	  	
0

	
1

	  	  	  	  	  	  	  	
775


	
65

	
9

	  	
1

	
1

	  	  	  	  	  	  	  	
778


	
66

	
19

	  	
0

	
1

	  	  	  	  	  	  	  	
802


	
67

	
3

	  	
1

	
1

	  	  	  	  	  	  	  	
797


	
68

	
0

	
19

	
0

	
1

	  	  	  	  	  	  	  	
720


	
69

	
0

	
6

	
0

	
1

	  	  	  	  	  	  	  	
705


	
70

	
21

	  	
0

	
1

	  	  	  	  	  	  	  	
774


	
71

	
3

	  	
3

	
1

	  	  	  	  	  	  	  	
753


	
72

	
0

	  	
9

	
1

	  	  	  	  	  	  	  	
782


	
73

	
0

	  	
1

	
1

	  	  	  	  	  	  	  	
757


	
74

	
0.6

	  	
0

	
1

	  	  	  	  	  	  	  	
787


	
75

	
9

	  	
8

	
1

	  	  	  	  	  	  	  	
726


	
76

	
0

	
6

	
8

	
1

	  	  	  	  	  	  	  	
795


	
77

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
782


	
78

	
7

	
6

	
0

	
1

	  	  	  	  	  	  	  	
755


	
79

	
0

	
7

	
11

	
1

	  	  	  	  	  	  	  	
788


	
80

	
16

	  	
0.5

	
1

	  	  	  	  	  	  	  	
799


	
81

	
30

	  	
18

	
1

	  	  	  	  	  	  	  	
776


	
82

	
6.8

	
29

	
0

	
1

	  	  	  	  	  	  	  	
780


	
83

	
17

	  	
8

	
1

	  	  	  	  	  	  	  	
778


	
84

	
20

	  	
5

	
1

	  	  	  	  	  	  	  	
736


	
85

	
2

	
13

	
0.8

	
1

	  	  	  	  	  	  	  	
798


	
86

	
10

	  	
4

	
1

	  	  	  	  	  	  	  	
775


	
87

	
5

	  	
5

	
1

	  	  	  	  	  	  	  	
797


	
88

	
27.2

	  	
0

	
1

	  	  	  	  	  	  	  	
800


	
89

	
2.5

	  	
0.08

	
1

	  	  	  	  	  	  	  	
775


	
90

	
10

	  	
1.9

	
1

	  	  	  	  	  	  	  	
814


	
91

	
5

	  	
3.5

	
1

	  	  	  	  	  	  	  	
773


	
92

	
0

	  	
0

	
1

	  	  	  	  	  	  	  	
781


	
93

	
6.8

	  	
1.4

	
1

	  	  	  	  	  	  	  	
781


	
94

	
3.75

	  	
0.75

	
1

	  	  	  	  	  	  	  	
770


	
95

	
4

	  	
4

	
1

	  	  	  	  	  	  	  	
745


	
96

	
26

	  	
4

	
1

	  	  	  	  	  	  	  	
792


	
97

	
6

	  	
0

	
1

	  	  	  	  	  	  	  	
763


	
98

	
6

	
3

	
0

	
1

	  	  	  	  	  	  	  	
797


	
99

	
6.2

	  	
6

	
1

	  	  	  	  	  	  	  	
788


	
100

	
10.5

	  	
0.01

	
1

	  	  	  	  	  	  	  	
761









 




	
KEY

	
Most Recent


Primary Borrower


FICO

	
Most Recent Co-


Borrower FICO

	
Most Recent FICO


Method

	
VantageScore:


Primary Borrower

	
VantageScore: Co-


Borrower

	
Most Recent


VantageScore


Method

	
VantageScore Date

	
Credit Report:


Longest Trade Line

	
Credit Report:


Maximum Trade


Line

	
Credit Report:


Number of Trade


Lines

	
Credit Line Usage


Ratio

	
Most Recent 12-


month Pay History

	
Months Bankruptcy


	
1

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
2

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
3

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
4

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
5

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
6

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
7

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
8

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
9

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
10

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
11

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
12

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
13

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
14

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
15

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
16

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
17

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
18

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
19

	
755

	  	
3

	  	  	  	  	  	  	  	  	
000000000000

	  
	
20

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
21

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
22

	
747

	  	
3

	  	  	  	  	  	  	  	  	
000000000000

	  
	
23

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
24

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
25

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
26

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
27

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
28

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
29

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
30

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
31

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
32

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
33

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
34

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
35

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
36

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
37

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
38

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
39

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
40

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
41

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
42

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
43

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
44

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
45

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
46

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
47

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
48

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
49

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
50

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
51

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
52

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
53

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
54

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
55

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
56

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
57

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
58

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
59

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
60

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
61

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
62

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
63

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
64

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
65

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
66

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
67

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
68

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
69

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
70

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
71

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
72

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
73

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
74

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
75

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
76

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
77

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
78

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
79

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
80

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
81

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
82

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
83

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
84

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
85

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
86

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
87

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
88

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
89

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
90

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
91

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
92

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
93

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
94

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
95

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
96

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
97

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
98

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
99

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  
	
100

	  	  	  	  	  	  	  	  	  	  	  	
000000000000

	  







 




	
KEY

	
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

	
Borrower


Employment


Verification

	
Co-Borrower


Employment


Verification

	
Borrower Asset


Verification


	
1

	  	
0

	
29904

	
4437.31

	
0

	
29904.12

	
34341.43

	
1

	
5

	  	
3

	  	
4


	
2

	  	
10833.33

	  	
0

	  	
10833.33

	
10833.33

	
1

	
5

	  	
3

	  	
4


	
3

	  	
19250

	  	
0

	  	
19250

	
19250

	
1

	
5

	  	
3

	  	
4


	
4

	  	
6460.86

	
3400

	
150

	
0

	
9860.86

	
10010.86

	
1

	
5

	  	
3

	  	
4


	
5

	  	
6390

	
8637

	
0

	
0

	
15027

	
15027

	
1

	
5

	  	
3

	  	
4


	
6

	  	
14008.32

	  	
661

	  	
14008.32

	
14669.32

	
1

	
5

	  	
3

	  	
4


	
7

	  	
19900.25

	  	
0

	  	
19900.25

	
19900.25

	
1

	
5

	  	
3

	  	
4


	
8

	  	
16666.67

	  	
0

	  	
16666.67

	
16666.67

	
1

	
5

	  	
3

	  	
4


	
9

	  	
18250

	  	
0

	  	
18250

	
18250

	
1

	
5

	  	
3

	  	
3


	
10

	  	
15165.89

	
902

	
-262.63

	
0

	
16067.89

	
15805.26

	
1

	
5

	  	
3

	  	
4


	
11

	  	
9583.34

	
7917

	
0

	
0

	
17500.02

	
17500.02

	
1

	
5

	  	
3

	  	
4


	
12

	  	
0

	  	
54148

	  	
0

	
54148

	
1

	
5

	  	
3

	  	
4


	
13

	  	
10485.5

	  	
0

	  	
10485.5

	
10485.5

	
1

	
5

	  	
3

	  	
4


	
14

	  	
23852

	  	
0

	  	
23852

	
23852

	
1

	
5

	  	
3

	  	
4


	
15

	  	
51074

	  	
2548

	  	
51074

	
53622

	
1

	
5

	  	
3

	  	
4


	
16

	  	
25367.92

	  	
0

	  	
25367.92

	
25367.92

	
1

	
5

	  	
3

	  	
4


	
17

	  	
58142.45

	  	
0

	  	
58142.45

	
58142.45

	
1

	
5

	  	
3

	  	
4


	
18

	  	
18563

	  	
1977

	  	
18563

	
20540

	
1

	
5

	  	
3

	  	
4


	
19

	  	
0

	
0

	
10457.38

	
10605

	
0

	
21062.51

	
1

	
5

	  	
3

	  	
3


	
20

	  	
20454

	
27346

	
0

	
0

	
47800

	
47800

	
1

	
5

	  	
3

	  	
4


	
21

	  	
10751.25

	
7920

	
52.67

	
-2716

	
18671.25

	
16008

	
1

	
5

	  	
3

	  	
4


	
22

	  	
11799.99

	
12917

	
0

	
0

	
24716.66

	
24716.66

	
1

	
5

	  	
3

	  	
4


	
23

	  	
28545.84

	
0

	
0

	
0

	
28545.84

	
28545.84

	
1

	
5

	  	
3

	  	
4


	
24

	  	
14249.99

	  	
0

	  	
14249.99

	
14249.99

	
1

	
5

	  	
3

	  	
4


	
25

	  	
18335.2

	  	
0

	  	
18335.2

	
18335.2

	
1

	
5

	  	
3

	  	
3


	
26

	  	
25000.02

	  	
0

	  	
25000.02

	
25000.02

	
1

	
5

	  	
3

	  	
4


	
27

	  	
0

	
4767

	
16269

	
0

	
4766.67

	
21035.67

	
1

	
5

	  	
3

	  	
4


	
28

	  	
15416.66

	  	
1542.01

	  	
15416.66

	
16958.67

	
1

	
5

	  	
3

	  	
4


	
29

	  	
43750

	
0

	
-355

	
-484

	
43750.08

	
42911.08

	
1

	
5

	  	
3

	  	
4


	
30

	  	
16157.08

	
0

	
0

	
0

	
16157.08

	
16157.08

	
1

	
5

	  	
3

	  	
4


	
31

	  	
13000

	
0

	
5802

	
1906

	
13000

	
20708

	
1

	
5

	  	
3

	  	
4


	
32

	  	
0

	  	
57950

	  	
0

	
57950

	
1

	
5

	  	
3

	  	
4


	
33

	  	
7083.34

	
5955

	
0

	
0

	
13038.17

	
13038.17

	
1

	
5

	  	
3

	  	
4


	
34

	  	
14642.85

	
0

	
0

	
0

	
14642.85

	
14642.85

	
1

	
5

	  	
3

	  	
4


	
35

	  	
20320

	
10381

	
0

	
0

	
30701

	
30701

	
1

	
5

	  	
3

	  	
4


	
36

	  	
14105.83

	  	
0

	  	
14105.83

	
14105.83

	
1

	
5

	  	
3

	  	
4


	
37

	  	
17672

	  	
0

	  	
17672

	
17672

	
1

	
5

	  	
3

	  	
4


	
38

	  	
17410.92

	  	
3889.05

	  	
17410.92

	
21299.97

	
1

	
5

	  	
3

	  	
4


	
39

	  	
12595

	
6485

	
2364.34

	
0

	
19080.01

	
21444.35

	
1

	
5

	  	
3

	  	
4


	
40

	  	
138883.21

	  	
0

	  	
     138883.21

	
      138883.21

	
1

	
5

	  	
3

	  	
4


	
41

	  	
18566.17

	
0

	
0

	
0

	
18566.17

	
18566.17

	
1

	
5

	  	
3

	  	
4


	
42

	  	
19564

	
0

	
0

	  	
19564

	
19564

	
1

	
5

	  	
3

	  	
4


	
43

	  	
20155.84

	  	
0

	  	
20155.84

	
20155.84

	
1

	
5

	  	
3

	  	
4


	
44

	  	
25714.92

	  	
-3770.58

	  	
25714.92

	
21944.34

	
1

	
5

	  	
2

	  	
4


	
45

	  	
23036.25

	  	
0

	  	
23036.25

	
23036.25

	
1

	
5

	  	
3

	  	
4


	
46

	  	
19276

	  	
0

	  	
19276

	
19276

	
1

	
5

	  	
3

	  	
4


	
47

	  	
20258.28

	
6626.53

	
0

	
0

	
26884.81

	
26884.81

	
1

	
5

	  	
3

	  	
4


	
48

	  	
18176.17

	
0

	
0

	
0

	
18176.17

	
18176.17

	
1

	
5

	  	
3

	  	
4


	
49

	  	
26624

	  	
0

	  	
26624

	
26624

	
1

	
5

	  	
3

	  	
4


	
50

	  	
23433.32

	
23433

	
5897.15

	
2148

	
46866.64

	
54911.79

	
1

	
5

	  	
3

	  	
4


	
51

	  	
10404.83

	
10232.5

	
0

	
0

	
20637.33

	
20637.33

	
1

	
5

	  	
3

	  	
4


	
52

	  	
13892

	  	
0

	  	
13892

	
13892

	
1

	
5

	  	
3

	  	
4


	
53

	  	
0

	
0

	
28666.53

	
858.9

	
0

	
29525.43

	
1

	
5

	  	
3

	  	
4


	
54

	  	
55614

	
0

	
0

	
0

	
55614

	
55614

	
1

	
5

	  	
3

	  	
3


	
55

	  	
53839

	
5633

	
1076

	
0

	
59472

	
60548

	
1

	
5

	  	
3

	  	
4


	
56

	  	
8200

	  	
7170

	  	
8200

	
15370

	
1

	
5

	  	
3

	  	
4


	
57

	  	
32916.67

	  	
0

	  	
32916.67

	
32916.67

	
1

	
5

	  	
3

	  	
4


	
58

	  	
16666.67

	
23483

	
0

	
0

	
40149.67

	
40149.67

	
1

	
5

	  	
3

	  	
4


	
59

	  	
51069

	  	
0

	  	
51069

	
51069

	
1

	
5

	  	
3

	  	
4


	
60

	  	
19833.34

	
14166

	
0

	
0

	
33999.34

	
33999.34

	
1

	
5

	  	
3

	  	
4


	
61

	  	
16905.99

	
0

	
0

	
0

	
16905.99

	
16905.99

	
1

	
5

	  	
3

	  	
4


	
62

	  	
77248.33

	  	
0

	  	
77248.33

	
77248.33

	
1

	
5

	  	
3

	  	
4


	
63

	  	
20833.33

	
8583.34

	
0

	
0

	
29416.67

	
29416.67

	
1

	
5

	  	
3

	  	
4


	
64

	  	
0

	  	
20868.08

	  	
0

	
20868.08

	
1

	
5

	  	
3

	  	
4


	
65

	  	
0

	  	
31502

	  	
0

	
31502

	
1

	
5

	  	
3

	  	
4


	
66

	  	
13132.49

	  	
14842.16

	  	
13132.49

	
27974.65

	
1

	
5

	  	
3

	  	
4


	
67

	  	
12366.67

	
12904.1

	
0

	
0

	
25270.77

	
25270.77

	
1

	
5

	  	
3

	  	
4


	
68

	  	
63351.83

	  	
0

	  	
63351.83

	
63351.83

	
1

	
5

	  	
3

	  	
4


	
69

	  	
22083

	  	
38750

	  	
22083

	
60833

	
1

	
5

	  	
3

	  	
4


	
70

	  	
21416.66

	  	
6316.33

	  	
21416.66

	
27732.99

	
1

	
5

	  	
3

	  	
4


	
71

	  	
4166.67

	
0

	
27097.41

	
0

	
4166.67

	
31264.08

	
1

	
5

	  	
3

	  	
4


	
72

	  	
28947.5

	  	
0

	  	
28947.5

	
28947.5

	
1

	
5

	  	
3

	  	
4


	
73

	  	
47970.76

	
0

	
0

	
0

	
47970.76

	
47970.76

	
1

	
5

	  	
3

	  	
4


	
74

	  	
20833.33

	  	
0

	  	
20833.33

	
20833.33

	
1

	
5

	  	
3

	  	
4


	
75

	  	
63694.38

	  	
0

	  	
63694.38

	
63694.38

	
1

	
5

	  	
3

	  	
3


	
76

	  	
36241

	  	
0

	  	
36241

	
36241

	
1

	
5

	  	
3

	  	
3


	
77

	  	
83728.33

	
0

	
0

	
0

	
83728.33

	
83728.33

	
1

	
5

	  	
3

	  	
4


	
78

	  	
24638.46

	
10948

	
3333

	
-2445

	
35586.46

	
36474.46

	
1

	
5

	  	
3

	  	
4


	
79

	  	
41666.67

	
0

	
0

	
0

	
41666.67

	
41666.67

	
1

	
5

	  	
3

	  	
4


	
80

	  	
38560

	  	
-44

	  	
38560

	
38516

	
1

	
5

	  	
3

	  	
3


	
81

	  	
0

	  	
59613

	  	
0

	
59613

	
1

	
5

	  	
3

	  	
4


	
82

	  	
18333.33

	
5892

	
15414

	
0

	
24225.66

	
39639.66

	
1

	
5

	  	
3

	  	
4


	
83

	  	
82488

	  	
-640

	  	
82488

	
81848

	
1

	
5

	  	
3

	  	
4


	
84

	  	
40561

	
12962

	
0

	
0

	
53523

	
53523

	
1

	
5

	  	
3

	  	
4


	
85

	  	
8870

	
9119

	
0

	
0

	
17989.07

	
17989.07

	
1

	
5

	  	
3

	  	
4


	
86

	  	
141365

	  	
-103

	  	
141365

	
141262

	
1

	
5

	  	
3

	  	
4


	
87

	  	
30466

	  	
-4349

	  	
30466

	
26117

	
1

	
5

	  	
3

	  	
4


	
88

	  	
28337.01

	  	
0

	  	
28337.01

	
28337.01

	
1

	
5

	  	
3

	  	
4


	
89

	  	
60838

	  	
1216.16

	  	
60838

	
62054.16

	
1

	
5

	  	
3

	  	
4


	
90

	  	
73902

	  	
0

	  	
73902

	
73902

	
1

	
5

	  	
3

	  	
4


	
91

	  	
22083.33

	  	
25369.33

	  	
22083.33

	
47452.66

	
1

	
5

	  	
3

	  	
4


	
92

	  	
0

	  	
26380.5

	  	
0

	
26380.5

	
1

	
5

	  	
3

	  	
4


	
93

	  	
29166.67

	  	
-1084

	  	
29166.67

	
28082.67

	
1

	
5

	  	
3

	  	
4


	
94

	  	
18000

	  	
0

	  	
18000

	
18000

	
1

	
5

	  	
3

	  	
4


	
95

	  	
7692

	  	
12972

	  	
7692

	
20664

	
1

	
5

	  	
3

	  	
4


	
96

	  	
60144.92

	  	  	  	
60144.92

	
60144.92

	
1

	
5

	  	
3

	  	
4


	
97

	  	
18333.33

	  	  	  	
18333.33

	
18333.33

	
1

	
5

	  	
3

	  	
4


	
98

	  	
9694

	
11868.83

	  	  	
21562.83

	
21562.83

	
1

	
5

	  	
3

	  	
4


	
99

	  	
19590

	
53994

	
-716.67

	
0

	
73584

	
72867.33

	
1

	
5

	  	
3

	  	
4


	
100

	  	
15403

	
9349

	
-61

	
0

	
24752

	
24691

	
1

	
5

	  	
3

	  	
3









 




	
KEY

	
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

	
State

	
Postal Code

	
Property Type

	
Occupancy


	
1

	  	
99291.47

	
2862.62

	
0.1755800

	  	  	
0

	
PEWEE VALLEY

	
KY

	
40056

	
1

	
1


	
2

	  	
227525.91

	
522.43

	
0.2594170

	  	  	
100

	
Poulsbo

	
WA

	
98370

	
1

	
1


	
3

	  	
108712.39

	
3945.21

	
0.3375640

	  	  	
100

	
MIDLAND

	
TX

	
79701

	
1

	
1


	
4

	  	
197197.74

	
957.35

	
0.4509630

	  	  	
0

	
VERDI

	
NV

	
89439

	
1

	
1


	
5

	  	
168753.5

	
3098.42

	
0.3824680

	  	  	
0

	
Birmingham

	
MI

	
48009

	
1

	
1


	
6

	  	
186651.51

	
1753.98

	
0.3687440

	  	  	
0

	
CHICAGO

	
IL

	
60611

	
4

	
1


	
7

	  	
444656.92

	
2394.89

	
0.2533100

	  	  	
100

	
VERO BEACH

	
FL

	
32963

	
1

	
1


	
8

	  	
25291.91

	
1813.59

	
0.2655250

	  	  	
100

	
WARSAW

	
IN

	
46580

	
1

	
1


	
9

	  	
114700.17

	
5486.68

	
0.4458440

	  	  	
100

	
AVON

	
CT

	
06001

	
1

	
1


	
10

	  	
45201.73

	
1716.84

	
0.2793880

	  	  	
0

	
ARLINGTON HEIGHTS

	
IL

	
60005

	
1

	
1


	
11

	  	
38634.37

	
1776.49

	
0.3374410

	  	  	
100

	
ALLEN

	
TX

	
75013

	
7

	
1


	
12

	  	
158457.26

	
2959.72

	
0.1260670

	  	  	
0

	
PLANO

	
TX

	
75093

	
7

	
1


	
13

	  	
569675.03

	
883.89

	
0.3541870

	  	  	
100

	
CASTLE ROCK

	
CO

	
80104

	
7

	
1


	
14

	  	
52279.52

	
3687.55

	
0.2741000

	  	  	
100

	
CARY

	
NC

	
27518

	
7

	
1


	
15

	  	
409649

	
11126.30

	
0.2614600

	  	  	
100

	
BARRINGTON

	
IL

	
60010

	
7

	
1


	
16

	  	
32215.05

	
749.01

	
0.1899880

	  	  	
0

	
BRENTWOOD

	
TN

	
37027

	
7

	
1


	
17

	  	
84349.97

	
2949.88

	
0.1009780

	  	  	
0

	
AUSTIN

	
TX

	
78731

	
1

	
1


	
18

	  	
323483.83

	
5805.89

	
0.4935290

	  	  	  	
PLANO

	
TX

	
75093

	
7

	
1


	
19

	  	
251390.84

	
1760.16

	
0.2925280

	  	  	
0

	
KENNEDYVILLE

	
MD

	
21645

	
1

	
1


	
20

	  	
94868.21

	
4875.40

	
0.1890190

	  	  	
0

	
MIDLAND

	
TX

	
79705

	
7

	
1


	
21

	  	
232458.43

	
2943.91

	
0.4453450

	  	  	
0

	
ROWLETT

	
TX

	
75088

	
1

	
1


	
22

	  	
89202.62

	
1791.34

	
0.1742920

	  	  	
100

	
ALLEN

	
TX

	
75013

	
7

	
1


	
23

	  	
40886.08

	
7571.65

	
0.3774430

	  	  	  	
LEESVILLE

	
SC

	
29070

	
7

	
1


	
24

	  	
84578.16

	
2613.44

	
0.4013220

	  	  	
100

	
DALLAS

	
TX

	
75214

	
1

	
1


	
25

	  	
221562.03

	
3533.12

	
0.3608390

	  	  	  	
BATON ROUGE

	
LA

	
70810

	
7

	
1


	
26

	  	
697832.98

	
4058.18

	
0.2883050

	  	  	  	
PARKLAND

	
FL

	
33067

	
7

	
1


	
27

	  	
235344.8

	
4163.27

	
0.3496800

	  	  	
100

	
DALLAS

	
TX

	
75214

	
1

	
1


	
28

	  	
125501.58

	
3195.09

	
0.3532080

	  	  	
100

	
LONG GROVE

	
IL

	
60060

	
7

	
1


	
29

	  	
54048.55

	
4280.03

	
0.2070800

	  	  	
0

	
MIDDLETON

	
WI

	
53562

	
1

	
1


	
30

	  	
51020.24

	
2128.81

	
0.3417780

	  	  	  	
SEATTLE

	
WA

	
98105

	
1

	
1


	
31

	  	
305338.68

	
3302.89

	
0.3229450

	  	  	  	
MC LEAN

	
VA

	
22101

	
1

	
1


	
32

	  	
2031838.28

	
2532.53

	
0.1293860

	  	  	
0

	
OXFORD

	
MD

	
21654

	
1

	
1


	
33

	  	
92927.41

	
2009.26

	
0.4261690

	  	  	
0

	
UNIVERSITY PARK

	
TX

	
75205

	
1

	
1


	
34

	  	
42229.54

	
2874.39

	
0.4426370

	  	  	  	
HOUSTON

	
TX

	
77005

	
1

	
1


	
35

	  	
609917.43

	
4885.75

	
0.3239790

	  	  	
0

	
OXFORD

	
MD

	
21654

	
7

	
1


	
36

	  	
173146.9

	
1585.88

	
0.3712950

	  	  	  	
CHICAGO

	
IL

	
60614

	
1

	
1


	
37

	  	
136006.75

	
2591.83

	
0.4347210

	  	  	
0

	
HOUSTON

	
TX

	
77041

	
7

	
1


	
38

	  	
150568.29

	
4178.02

	
0.3700700

	  	  	
100

	
LAKEVILLE

	
MN

	
55044

	
7

	
1


	
39

	  	
65626.65

	
1272.82

	
0.2236070

	  	  	
99.62

	
HINSDALE

	
IL

	
60521

	
1

	
1


	
40

	  	
243704.5

	
8467.98

	
0.0875150

	  	  	  	
MIAMI BEACH

	
FL

	
33139

	
3

	
1


	
41

	  	
144896

	
983.53

	
0.2619080

	  	  	  	
DENVER

	
CO

	
80220

	
1

	
1


	
42

	  	
84674.66

	
2860.16

	
0.3607090

	  	  	  	
DEERFIELD

	
IL

	
60015

	
1

	
1


	
43

	  	
509981.3

	
3862.18

	
0.3946570

	  	  	
100

	
DALLAS

	
TX

	
75225

	
1

	
1


	
44

	  	
107512.52

	
2372.34

	
0.3643960

	  	  	
0

	
UNIVERSITY PARK

	
TX

	
75225

	
1

	
1


	
45

	  	
2530637.08

	
5661.42

	
0.4353660

	  	  	
100

	
PALM SPRINGS

	
CA

	
92264

	
1

	
2


	
46

	  	
87125.39

	
3673.53

	
0.3969190

	  	  	
0

	
ACWORTH

	
GA

	
30101

	
1

	
1


	
47

	  	
79979.04

	
5627.50

	
0.3584420

	  	  	
100

	
RANCHO PALOS VERDES

	
CA

	
90275

	
1

	
1


	
48

	  	
275322

	
2282.52

	
0.3570460

	  	  	  	
PASADENA

	
CA

	
91106

	
1

	
1


	
49

	  	
91282.1

	
1731.91

	
0.2195400

	  	  	
100

	
NASHVILLE

	
TN

	
37215

	
1

	
1


	
50

	  	
509366.85

	
4512.10

	
0.1898990

	  	  	
0

	
WASHINGTON

	
DC

	
20007

	
1

	
2


	
51

	  	
121993.33

	
4454.75

	
0.4241400

	  	  	  	
SOLANA BEACH

	
CA

	
92075

	
1

	
1


	
52

	  	
42981.61

	
2068.21

	
0.4680650

	  	  	  	
HOUSTON

	
TX

	
77005

	
1

	
1


	
53

	  	
643724.86

	
1904.19

	
0.2172790

	  	  	  	
LAGUNA BEACH

	
CA

	
92651

	
1

	
1


	
54

	  	
1259086.02

	
16040.07

	
0.3681460

	  	  	
100

	
Jericho

	
NY

	
11753

	
1

	
1


	
55

	  	
75257.43

	
6198.00

	
0.1828260

	  	  	  	
WHITTIER

	
CA

	
90605

	
7

	
1


	
56

	  	
69421.21

	
1048.11

	
0.3694650

	  	  	
0

	
Mill Valley

	
CA

	
94941

	
1

	
1


	
57

	  	
298686.51

	
3319.37

	
0.2218450

	  	  	
0

	
DELAFIELD

	
WI

	
53029

	
1

	
1


	
58

	  	
115193.56

	
5530.99

	
0.2519850

	  	  	  	
Sands Point

	
NY

	
11050

	
1

	
1


	
59

	  	
134643.94

	
11353.62

	
0.3134330

	  	  	  	
MISSION

	
TX

	
78572

	
7

	
1


	
60

	  	
41971.22

	
4058.61

	
0.2584960

	  	  	
0

	
DANVILLE

	
CA

	
94506

	
7

	
1


	
61

	  	
149435.3

	
1621.34

	
0.3807020

	  	  	  	
SAN DIEGO

	
CA

	
92130

	
7

	
1


	
62

	  	
77555.04

	
19374.54

	
0.3155480

	  	  	
100

	
AVENTURA

	
FL

	
33160

	
4

	
1


	
63

	  	
48499.7

	
3528.92

	
0.3039270

	  	  	
100

	
AUSTIN

	
TX

	
78703

	
1

	
1


	
64

	  	
2233811.4

	
3469.35

	
0.5176810

	  	  	
100

	
CULVER

	
IN

	
46511

	
1

	
2


	
65

	  	
147882.28

	
2039.28

	
0.2290020

	  	  	  	
SAN MARINO

	
CA

	
91108

	
1

	
1


	
66

	  	
7530078.52

	
4067.87

	
0.2961220

	  	  	
100

	
HINSDALE

	
IL

	
60521

	
1

	
1


	
67

	  	
588784.18

	
2698.90

	
0.3014670

	  	  	  	
IRVINE

	
CA

	
92603

	
7

	
1


	
68

	  	
2267542.87

	
5173.74

	
0.1640080

	  	  	
100

	
COTO DE CAZA

	
CA

	
92679

	
7

	
2


	
69

	  	
274045.8

	
7488.96

	
0.2076150

	  	  	
100

	
HOUSTON

	
TX

	
77024

	
1

	
1


	
70

	  	
260430.48

	
2086.84

	
0.2606370

	  	  	
100

	
Fox Island

	
WA

	
98333

	
1

	
1


	
71

	  	
1418403.07

	
5106.10

	
0.3325920

	  	  	  	
NEWPORT COAST

	
CA

	
92657

	
7

	
1


	
72

	  	
265364.72

	
3677.94

	
0.2995350

	  	  	  	
MANHATTAN BEACH

	
CA

	
90266

	
1

	
1


	
73

	  	
94953.07

	
8579.31

	
0.2963460

	  	  	  	
CALABASAS

	
CA

	
91302

	
7

	
1


	
74

	  	
566881.7

	
2080.86

	
0.3742230

	  	  	
100

	
EASTON

	
MD

	
21601

	
1

	
1


	
75

	  	
145179.94

	
7709.27

	
0.2149220

	  	  	  	
MIAMI

	
FL

	
33156

	
1

	
1


	
76

	  	
376055.54

	
7973.72

	
0.3972460

	  	  	  	
PEBBLE BEACH

	
CA

	
93953

	
1

	
1


	
77

	  	
309057.3

	
15371.75

	
0.2565930

	  	  	
100

	
Breckenridge

	
CO

	
80424

	
1

	
2


	
78

	  	
398839.3

	
5011.48

	
0.3055850

	  	  	
100

	
UNIVERSITY PARK

	
TX

	
75225

	
1

	
1


	
79

	  	
3166669

	
10165.01

	
0.4008800

	  	  	  	
Spring Lake

	
NJ

	
07762

	
1

	
2


	
80

	  	
106405.68

	
4829.57

	
0.3285460

	  	  	
0

	
HINSDALE

	
IL

	
60521

	
1

	
1


	
81

	  	
1017090.82

	
5667.73

	
0.2565330

	  	  	
0

	
DALLAS

	
TX

	
75225

	
1

	
1


	
82

	  	
225717.29

	
1462.30

	
0.2972240

	  	  	
100

	
HONOLULU

	
HI

	
96816

	
1

	
1


	
83

	  	
247668.91

	
9899.54

	
0.2465830

	  	  	
0

	
MANHATTAN BEACH

	
CA

	
90266

	
1

	
1


	
84

	  	
220469.95

	
8690.55

	
0.2747370

	  	  	
0

	
NORTHFIELD

	
IL

	
60093

	
1

	
1


	
85

	  	
201928.26

	
2695.11

	
0.3011160

	  	  	
0

	
ELK GROVE VILLAGE

	
IL

	
60007

	
7

	
1


	
86

	  	
808537.61

	
21188.59

	
0.1693820

	  	  	
0

	
Hinsdale

	
IL

	
60521

	
1

	
1


	
87

	  	
216822.14

	
5986.54

	
0.3926480

	  	  	
0

	
AUSTIN

	
TX

	
78703

	
1

	
1


	
88

	  	
1029817.59

	
3819.30

	
0.2656740

	  	  	
100

	
WRIGHTSVILLE BEACH

	
NC

	
28480

	
1

	
2


	
89

	  	
530263.4

	
14439.87

	
0.3900000

	  	  	
0

	
PLYMOUTH

	
MN

	
55447

	
7

	
1


	
90

	  	
368764.11

	
1237.07

	
0.0740270

	  	  	
0

	
Missoula

	
MT

	
59803

	
1

	
1


	
91

	  	
194199.76

	
3191.56

	
0.1645050

	  	  	
0

	
Spokane

	
WA

	
99224

	
1

	
1


	
92

	  	
2027260.32

	
7275.68

	
0.4171840

	  	  	
100

	
MONTAGUE

	
MI

	
49437

	
1

	
2


	
93

	  	
440752.17

	
3793.63

	
0.3420180

	  	  	
0

	
LOS ANGELES

	
CA

	
90210

	
1

	
1


	
94

	  	
110827.09

	
3585.26

	
0.3639850

	  	  	
0

	
HOUSTON

	
TX

	
77024

	
1

	
1


	
95

	  	
659465.19

	
2346.32

	
0.3348180

	  	  	  	
KILLINGWORTH

	
CT

	
06419

	
1

	
1


	
96

	  	
317922.24

	
5537.27

	
0.2142380

	  	  	  	
HORSESHOE BAY

	
TX

	
78657

	
7

	
1


	
97

	  	
108830.84

	
4454.22

	
0.4201120

	  	  	
100

	
FORT LAUDERDALE

	
FL

	
33301

	
1

	
1


	
98

	  	
91578.31

	
1726.53

	
0.2593600

	  	  	
34.299

	
IRVINE

	
CA

	
92620

	
7

	
1


	
99

	  	
812087.03

	
10426.67

	
0.2729350

	  	  	
0

	
Dana Point

	
CA

	
92629

	
7

	
1


	
100

	  	
74009.3

	
3253.08

	
0.2989060

	  	  	  	
Magnolia

	
TX

	
77355

	
7

	
1









 




	
KEY

	
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

	
Most Recent


Property Valuation


Type

	
Most Recent


Property Valuation


Date

	
Most Recent AVM


Model Name

	
Most Recent AVM


Confidence Score

	
Original CLTV

	
Original LTV


	
1

	  	
670000.00

	
3

	
20110916

	  	  	  	  	  	  	  	
0.650000

	
0.650000


	
2

	
665000.00

	
600000.00

	
3

	
20110915

	  	  	  	  	  	  	  	
0.741667

	
0.741667


	
3

	
603000.00

	
630000.00

	
3

	
20110824

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
4

	  	
825000.00

	
3

	
20110902

	  	  	  	  	  	  	  	
0.587879

	
0.587879


	
5

	  	
695000.00

	
3

	
20110805

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
6

	  	
715000.00

	
3

	
20110701

	  	  	  	  	  	  	  	
0.685315

	
0.685315


	
7

	
910000.00

	
910000.00

	
3

	
20110823

	  	  	  	  	  	  	  	
0.549451

	
0.549451


	
8

	
635000.00

	
650000.00

	
3

	
20110722

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
9

	
635000.00

	
640000.00

	
3

	
20110902

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
10

	  	
700000.00

	
3

	
20110824

	  	  	  	  	  	  	  	
0.728571

	
0.728571


	
11

	
663500.00

	
668000.00

	
3

	
20110726

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
12

	  	
825000.00

	
3

	
20110715

	  	  	  	  	  	  	  	
0.650000

	
0.650000


	
13

	
775000.00

	
775000.00

	
3

	
20110729

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
14

	
683200.00

	
690000.00

	
3

	
20110830

	  	  	  	  	  	  	  	
0.799766

	
0.799766


	
15

	
683500.00

	
685000.00

	
3

	
20110818

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
16

	  	
950000.00

	
3

	
20110722

	  	  	  	  	  	  	  	
0.584211

	
0.584211


	
17

	  	
1215000.00

	
3

	
20110810

	  	  	  	  	  	  	  	
0.460905

	
0.460905


	
18

	  	
710000.00

	
3

	
20110803

	  	  	  	  	  	  	  	
0.797430

	
0.797430


	
19

	  	
1300000.00

	
3

	
20110331

	  	  	  	  	  	  	  	
0.453846

	
0.453846


	
20

	  	
1350000.00

	
3

	
20110901

	  	  	  	  	  	  	  	
0.423704

	
0.423704


	
21

	  	
1000000.00

	
3

	
20110907

	  	  	  	  	  	  	  	
0.575500

	
0.575500


	
22

	
722818.00

	
725000.00

	
3

	
20110711

	  	  	  	  	  	  	  	
0.799994

	
0.799994


	
23

	  	
950000.00

	
3

	
20110819

	  	  	  	  	  	  	  	
0.610526

	
0.610526


	
24

	
733500.00

	
784800.00

	
3

	
20110802

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
25

	  	
1070000.00

	
3

	
20110816

	  	  	  	  	  	  	  	
0.552336

	
0.552336


	
26

	  	
805000.00

	
3

	
20110808

	  	  	  	  	  	  	  	
0.750000

	
0.750000


	
27

	
765000.00

	
765000.00

	
3

	
20110901

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
28

	
829900.00

	
850000.00

	
3

	
20110912

	  	  	  	  	  	  	  	
0.749970

	
0.749970


	
29

	  	
1000000.00

	
3

	
20110818

	  	  	  	  	  	  	  	
0.698000

	
0.628000


	
30

	  	
1200000.00

	
3

	
20110822

	  	  	  	  	  	  	  	
0.550000

	
0.550000


	
31

	  	
2300000.00

	
3

	
20110927

	  	  	  	  	  	  	  	
0.290435

	
0.290435


	
32

	  	
3475000.00

	
3

	
20110830

	  	  	  	  	  	  	  	
0.194820

	
0.194820


	
33

	  	
945500.00

	
3

	
20110801

	  	  	  	  	  	  	  	
0.719196

	
0.719196


	
34

	  	
857500.00

	
3

	
20110920

	  	  	  	  	  	  	  	
0.794869

	
0.794869


	
35

	  	
2900000.00

	
3

	
20110718

	  	  	  	  	  	  	  	
0.237931

	
0.237931


	
36

	  	
1075000.00

	
3

	
20110829

	  	  	  	  	  	  	  	
0.641860

	
0.641860


	
37

	  	
935000.00

	
3

	
20110831

	  	  	  	  	  	  	  	
0.748663

	
0.748663


	
38

	
875000.00

	
960000.00

	
3

	
20111005

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
39

	
895000.00

	
895000.00

	
3

	
20110624

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
40

	  	
1640000.00

	
3

	
20110811

	  	  	  	  	  	  	  	
0.437195

	
0.437195


	
41

	  	
1100000.00

	
3

	
20110827

	  	  	  	  	  	  	  	
0.666364

	
0.666364


	
42

	  	
950000.00

	
3

	
20110810

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
43

	
965000.00

	
   1100000.00

	
3

	
   20111004

	  	  	  	  	  	  	  	
0.790000

	
0.790000


	
44

	  	
1600000.00

	
3

	
20110826

	  	  	  	  	  	  	  	
0.676109

	
0.487500


	
45

	
1200000.00

	
1200000.00

	
3

	
20110824

	  	  	  	  	  	  	  	
0.650000

	
0.650000


	
46

	  	
1250000.00

	
3

	
20110712

	  	  	  	  	  	  	  	
0.628000

	
0.628000


	
47

	
1055000.00

	
1140000.00

	
3

	
20110819

	  	  	  	  	  	  	  	
0.750000

	
0.750000


	
48

	  	
1225000.00

	
3

	
20111014

	  	  	  	  	  	  	  	
0.648980

	
0.648980


	
49

	
1150000.00

	
1150000.00

	
3

	
20110817

	  	  	  	  	  	  	  	
0.695652

	
0.695652


	
50

	  	
1795000.00

	
3

	
20110902

	  	  	  	  	  	  	  	
0.453175

	
0.453175


	
51

	  	
2300000.00

	
3

	
20110719

	  	  	  	  	  	  	  	
0.358261

	
0.358261


	
52

	  	
1180000.00

	
3

	
20110810

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
53

	  	
2500000.00

	
3

	
20110815

	  	  	  	  	  	  	  	
0.331400

	
0.331400


	
54

	
1530000.00

	
1475000.00

	
3

	
20110804

	  	  	  	  	  	  	  	
0.576271

	
0.576271


	
55

	  	
1200000.00

	
3

	
20110824

	  	  	  	  	  	  	  	
0.725000

	
0.725000


	
56

	  	
2507000.00

	
3

	
20110923

	  	  	  	  	  	  	  	
0.349023

	
0.349023


	
57

	  	
1650000.00

	
3

	
20110906

	  	  	  	  	  	  	  	
0.719394

	
0.537576


	
58

	  	
1750000.00

	
3

	
20110929

	  	  	  	  	  	  	  	
0.509714

	
0.509714


	
59

	  	
1115000.00

	
3

	
20110913

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
60

	  	
1150000.00

	
3

	
20110809

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
61

	  	
1300000.00

	
3

	
20110822

	  	  	  	  	  	  	  	
0.710000

	
0.710000


	
62

	
1350000.00

	
1350000.00

	
3

	
20110818

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
63

	
1225000.00

	
1230000.00

	
3

	
20110727

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
64

	
1600000.00

	
1600000.00

	
3

	
20110818

	  	  	  	  	  	  	  	
0.624938

	
0.624938


	
65

	  	
1395000.00

	
3

	
20110822

	  	  	  	  	  	  	  	
0.711111

	
0.711111


	
66

	
1775000.00

	
1775000.00

	
3

	
20110820

	  	  	  	  	  	  	  	
0.563380

	
0.563380


	
67

	  	
1775000.00

	
3

	
20110812

	  	  	  	  	  	  	  	
0.563380

	
0.563380


	
68

	
2075000.00

	
2075000.00

	
3

	
20110809

	  	  	  	  	  	  	  	
0.481928

	
0.481928


	
69

	
2820000.00

	
3000000.00

	
3

	
20110930

	  	  	  	  	  	  	  	
0.354574

	
0.354574


	
70

	
1475000.00

	
1475000.00

	
3

	
20110926

	  	  	  	  	  	  	  	
0.677966

	
0.677966


	
71

	  	
4000000.00

	
3

	
20110726

	  	  	  	  	  	  	  	
0.250000

	
0.250000


	
72

	  	
2000000.00

	
3

	
20110813

	  	  	  	  	  	  	  	
0.500000

	
0.500000


	
73

	  	
1500000.00

	
3

	
20110809

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
74

	
1440000.00

	
1440000.00

	
3

	
20110830

	  	  	  	  	  	  	  	
0.750000

	
0.750000


	
75

	  	
1750000.00

	
3

	
20110719

	  	  	  	  	  	  	  	
0.645714

	
0.645714


	
76

	  	
2050000.00

	
3

	
20110902

	  	  	  	  	  	  	  	
0.559512

	
0.559512


	
77

	
1650000.00

	
1650000.00

	
3

	
20111001

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
78

	
1470000.00

	
1500000.00

	
3

	
20110922

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
79

	  	
2000000.00

	
3

	
20111030

	  	  	  	  	  	  	  	
0.635851

	
0.635851


	
80

	  	
2000000.00

	
3

	
20110902

	  	  	  	  	  	  	  	
0.750000

	
0.750000


	
81

	  	
2425000.00

	
3

	
20110719

	  	  	  	  	  	  	  	
0.750000

	
0.750000


	
82

	
2600000.00

	
2600000.00

	
3

	
20110812

	  	  	  	  	  	  	  	
0.750000

	
0.750000


	
83

	  	
5000000.00

	
3

	
20110824

	  	  	  	  	  	  	  	
0.500000

	
0.400000


	
84

	  	
3000000.00

	
3

	
20110802

	  	  	  	  	  	  	  	
0.273333

	
0.273333


	
85

	  	
640000.00

	
3

	
20110813

	  	  	  	  	  	  	  	
0.792188

	
0.792188


	
86

	  	
925000.00

	
3

	
20110820

	  	  	  	  	  	  	  	
0.567568

	
0.567568


	
87

	  	
1060000.00

	
3

	
20111012

	  	  	  	  	  	  	  	
0.549009

	
0.549009


	
88

	
1180000.00

	
1220000.00

	
3

	
20110816

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
89

	  	
2635000.00

	
3

	
20110728

	  	  	  	  	  	  	  	
0.700000

	
0.700000


	
90

	  	
1050000.00

	
3

	
20110829

	  	  	  	  	  	  	  	
0.761905

	
0.761905


	
91

	  	
800000.00

	
3

	
20110825

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
92

	
825000.00

	
830000.00

	
3

	
20110823

	  	  	  	  	  	  	  	
0.606061

	
0.606061


	
93

	  	
1900000.00

	
3

	
20110821

	  	  	  	  	  	  	  	
0.717895

	
0.586316


	
94

	  	
1300000.00

	
3

	
20110802

	  	  	  	  	  	  	  	
0.516154

	
0.516154


	
95

	  	
1500000.00

	
3

	
20110717

	  	  	  	  	  	  	  	
0.576000

	
0.576000


	
96

	  	
2350000.00

	
3

	
20110927

	  	  	  	  	  	  	  	
0.590851

	
0.590851


	
97

	
725000.00

	
760000.00

	
3

	
20110930

	  	  	  	  	  	  	  	
0.800000

	
0.800000


	
98

	
   1030000.00

	
1065000.00

	
3

	
20111020

	  	  	  	  	  	  	  	
0.740777

	
0.740777


	
99

	  	
1950000.00

	
3

	
20110919

	  	  	  	  	  	  	  	
0.661538

	
0.661538


	
100

	  	
1100000.00

	
3

	
20111007

	  	  	  	  	  	  	  	
0.689091

	
0.689091









 




	
KEY

	
Original Pledged


Assets

	
Mortgage Insurance


Company Name

	
Mortgage Insurance


Percent

	
MI: Lender or


Borrower Paid?

	
Pool Insurance Co.


Name

	
Pool Insurance Stop


Loss %

	
MI Certificate


Number

	
Updated DTI


(Front-end)

	
Updated DTI


(Back-end)

	
Modification


Effective Payment


Date

	
Total Capitalized


Amount

	
Total Deferred


Amount

	
Pre-Modification


Interest (Note) Rate

	
Pre-Modification P&I


Payment


	
1

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
2

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
3

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
4

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
5

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
6

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
7

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
8

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
9

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
10

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
11

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
12

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
13

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
14

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
15

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
16

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
17

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
18

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
19

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
20

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
21

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
22

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
23

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
24

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
25

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
26

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
27

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
28

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
29

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
30

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
31

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
32

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
33

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
34

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
35

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
36

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
37

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
38

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
39

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
40

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
41

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
42

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
43

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
44

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
45

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
46

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
47

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
48

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
49

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
50

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
51

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
52

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
53

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
54

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
55

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
56

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
57

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
58

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
59

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
60

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
61

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
62

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
63

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
64

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
65

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
66

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
67

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
68

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
69

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
70

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
71

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
72

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
73

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
74

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
75

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
76

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
77

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
78

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
79

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
80

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
81

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
82

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
83

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
84

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
85

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
86

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
87

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
88

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
89

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
90

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
91

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
92

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
93

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
94

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
95

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
96

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
97

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
98

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
99

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  
	
100

	
0

	
0

	
0

	  	  	  	  	  	  	  	  	  	  	  







 




	
KEY

	
Pre-Modification


Initial Interest Rate


Change Downward


Cap

	
Pre-Modification


Subsequent Interest


Rate Cap

	
Pre-Modification


Next Interest Rate


Change Date

	
Pre-Modification I/O


Term

	
Forgiven Principal


Amount

	
Forgiven Interest


Amount

	
Number of


Modifications


	
1

	  	  	  	  	  	  	  
	
2

	  	  	  	  	  	  	  
	
3

	  	  	  	  	  	  	  
	
4

	  	  	  	  	  	  	  
	
5

	  	  	  	  	  	  	  
	
6

	  	  	  	  	  	  	  
	
7

	  	  	  	  	  	  	  
	
8

	  	  	  	  	  	  	  
	
9

	  	  	  	  	  	  	  
	
10

	  	  	  	  	  	  	  
	
11

	  	  	  	  	  	  	  
	
12

	  	  	  	  	  	  	  
	
13

	  	  	  	  	  	  	  
	
14

	  	  	  	  	  	  	  
	
15

	  	  	  	  	  	  	  
	
16

	  	  	  	  	  	  	  
	
17

	  	  	  	  	  	  	  
	
18

	  	  	  	  	  	  	  
	
19

	  	  	  	  	  	  	  
	
20

	  	  	  	  	  	  	  
	
21

	  	  	  	  	  	  	  
	
22

	  	  	  	  	  	  	  
	
23

	  	  	  	  	  	  	  
	
24

	  	  	  	  	  	  	  
	
25

	  	  	  	  	  	  	  
	
26

	  	  	  	  	  	  	  
	
27

	  	  	  	  	  	  	  
	
28

	  	  	  	  	  	  	  
	
29

	  	  	  	  	  	  	  
	
30

	  	  	  	  	  	  	  
	
31

	  	  	  	  	  	  	  
	
32

	  	  	  	  	  	  	  
	
33

	  	  	  	  	  	  	  
	
34

	  	  	  	  	  	  	  
	
35

	  	  	  	  	  	  	  
	
36

	  	  	  	  	  	  	  
	
37

	  	  	  	  	  	  	  
	
38

	  	  	  	  	  	  	  
	
39

	  	  	  	  	  	  	  
	
40

	  	  	  	  	  	  	  
	
41

	  	  	  	  	  	  	  
	
42

	  	  	  	  	  	  	  
	
43

	  	  	  	  	  	  	  
	
44

	  	  	  	  	  	  	  
	
45

	  	  	  	  	  	  	  
	
46

	  	  	  	  	  	  	  
	
47

	  	  	  	  	  	  	  
	
48

	  	  	  	  	  	  	  
	
49

	  	  	  	  	  	  	  
	
50

	  	  	  	  	  	  	  
	
51

	  	  	  	  	  	  	  
	
52

	  	  	  	  	  	  	  
	
53

	  	  	  	  	  	  	  
	
54

	  	  	  	  	  	  	  
	
55

	  	  	  	  	  	  	  
	
56

	  	  	  	  	  	  	  
	
57

	  	  	  	  	  	  	  
	
58

	  	  	  	  	  	  	  
	
59

	  	  	  	  	  	  	  
	
60

	  	  	  	  	  	  	  
	
61

	  	  	  	  	  	  	  
	
62

	  	  	  	  	  	  	  
	
63

	  	  	  	  	  	  	  
	
64

	  	  	  	  	  	  	  
	
65

	  	  	  	  	  	  	  
	
66

	  	  	  	  	  	  	  
	
67

	  	  	  	  	  	  	  
	
68

	  	  	  	  	  	  	  
	
69

	  	  	  	  	  	  	  
	
70

	  	  	  	  	  	  	  
	
71

	  	  	  	  	  	  	  
	
72

	  	  	  	  	  	  	  
	
73

	  	  	  	  	  	  	  
	
74

	  	  	  	  	  	  	  
	
75

	  	  	  	  	  	  	  
	
76

	  	  	  	  	  	  	  
	
77

	  	  	  	  	  	  	  
	
78

	  	  	  	  	  	  	  
	
79

	  	  	  	  	  	  	  
	
80

	  	  	  	  	  	  	  
	
81

	  	  	  	  	  	  	  
	
82

	  	  	  	  	  	  	  
	
83

	  	  	  	  	  	  	  
	
84

	  	  	  	  	  	  	  
	
85

	  	  	  	  	  	  	  
	
86

	  	  	  	  	  	  	  
	
87

	  	  	  	  	  	  	  
	
88

	  	  	  	  	  	  	  
	
89

	  	  	  	  	  	  	  
	
90

	  	  	  	  	  	  	  
	
91

	  	  	  	  	  	  	  
	
92

	  	  	  	  	  	  	  
	
93

	  	  	  	  	  	  	  
	
94

	  	  	  	  	  	  	  
	
95

	  	  	  	  	  	  	  
	
96

	  	  	  	  	  	  	  
	
97

	  	  	  	  	  	  	  
	
98

	  	  	  	  	  	  	  
	
99

	  	  	  	  	  	  	  
	
100

	  	  	  	  	  	  	  







 




	
KEY

	
Cash To/From Brrw at Closing

	
Brrw - Yrs at in Industry

	
CoBrrw - Yrs at in Industry

	
Junior Mortgage Drawn Amount

	
Maturity Date

	
Primary Borrower Wage Income (Salary)

	
Primary Borrower Wage Income (Bonus)

	
Primary Borrower Wage Income (Commission)

	
Co-Borrower Wage Income (Salary)

	
Co-Borrower Wage Income (Bonus)

	
Co-Borrower Wage Income (Commission)

	
Originator Doc Code

	
RWT Income Verification

	
RWT Asset Verification


	
1

	  	
0

	
27

	  	
20261101

	  	  	  	
29,904.00

	  	  	
Full

	
2 years

	
2 Months


	
2

	  	
20

	  	  	
20411101

	
10,833.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
3

	  	
35

	  	  	
20411001

	
19,250.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
4

	  	
29

	
18

	  	
20261001

	
6,461.00

	  	  	
3,400.00

	  	  	
Full

	
2 years

	
2 Months


	
5

	  	
12

	
11

	  	
20411001

	
6,390.00

	  	  	
8,637.00

	  	  	
Full

	
2 years

	
2 Months


	
6

	  	
6

	  	  	
20260901

	
14,008.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
7

	  	
31

	  	
0

	
20411001

	
19,900.25

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
8

	  	
15

	  	  	
20410901

	
16,667.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
9

	  	
6

	  	
0

	
20411101

	
16,250.00

	
2,000.00

	
0.00

	  	  	  	
Full

	
2 years

	
1 Month


	
10

	  	
19

	
3

	  	
20411001

	
15,166.00

	  	  	
902.00

	  	  	
Full

	
2 years

	
2 Months


	
11

	  	
18

	
15

	  	
20260901

	
9,583.00

	  	  	
7,917.00

	  	  	
Full

	
2 years

	
2 Months


	
12

	  	
13.7

	  	  	
20260901

	  	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
13

	  	
12

	  	  	
20410901

	
10,486.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
14

	  	
16

	  	  	
20411001

	
23,852.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
15

	  	
7

	  	  	
20411001

	
51,074.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
16

	  	
21

	  	  	
20260901

	
25,368.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
17

	  	
34

	  	  	
20411001

	
58,142.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
18

	  	
21

	  	  	
20261001

	
18,563.00

	
2,818.00

	
3,458.00

	  	  	  	
Full

	
2 years

	
2 Months


	
19

	  	
18

	
18

	  	
20260601

	  	  	  	  	  	  	
Full

	
2 years

	
1 Month


	
20

	  	
19

	
19

	  	
20261001

	
20,454.00

	  	  	
27,346.00

	  	  	
Full

	
2 years

	
2 Months


	
21

	  	
16

	
25

	  	
20261001

	
10,751.00

	  	  	
7,920.00

	  	  	
Full

	
2 years

	
2 Months


	
22

	  	
9.05

	
12

	  	
20410801

	
11,800.00

	  	  	
12,917.00

	  	  	
Full

	
2 years

	
2 Months


	
23

	  	
30

	
5

	
0

	
20411001

	
28,545.84

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
24

	  	
9.1

	  	  	
20410901

	
14,250.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
25

	  	
23

	  	
0

	
20411001

	
18,335.20

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
1 Month


	
26

	  	
20

	  	
0

	
20411001

	
25,000.02

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
27

	  	
30

	
30

	  	
20411001

	  	  	  	
4,767.00

	  	  	
Full

	
2 years

	
2 Months


	
28

	  	
24.4

	  	  	
20411101

	
15,417.00

	
1,542.00

	  	  	  	  	
Full

	
2 years

	
2 Months


	
29

	  	
22

	
2

	
70000

	
   20261101

	
43,750.00

	  	  	
0.00

	  	  	
Full

	
2 years

	
2 Months


	
30

	  	
18

	  	
0

	
20411001

	
16,157.08

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
31

	  	
45

	  	
0

	
20411201

	
13,000.00

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
32

	  	
0

	  	  	
20261101

	  	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
33

	  	
16.5

	
6.5

	  	
20410901

	
7,083.00

	  	  	
5,955.00

	  	  	
Full

	
2 years

	
2 Months


	
34

	  	
4

	  	
0

	
20411001

	
14,642.85

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
35

	  	
11

	
11

	  	
20261001

	
20,320.00

	  	  	
10,381.00

	  	  	
Full

	
2 years

	
2 Months


	
36

	  	
15

	  	
0

	
20411001

	
14,105.83

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
37

	  	
30

	  	  	
20261001

	
17,672.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
38

	  	
9

	  	  	
20411101

	
17,411.00

	
2,859.00

	  	  	  	  	
Full

	
2 years

	
2 Months


	
39

	  	
13

	
10

	  	
20411001

	
12,595.00

	
2,364.00

	  	
6,485.00

	  	  	
Full

	
2 years

	
2 Months


	
40

	  	
28

	  	
0

	
20411001

	
138,883.21

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
41

	  	
8

	  	
0

	
20411001

	
18,566.17

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
42

	  	
11

	  	
0

	
20411101

	
19,564.00

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
43

	  	
11

	
3

	
0

	
20411101

	
20,155.84

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
44

	  	
2.75

	  	
301775

	
20261001

	
25,715.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
45

	  	
27

	
7

	
0

	
20411001

	
23,036.25

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
46

	  	
15

	  	  	
20410901

	
19,276.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
47

	  	
11

	  	
0

	
20411001

	
7,916.66

	
0.00

	
12,341.62

	
6,626.53

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
48

	  	
23

	  	
0

	
20411101

	
18,176.17

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
49

	  	
12

	  	
0

	
20410901

	
26,624.00

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
50

	  	
25

	
25

	  	
20261101

	
23,433.00

	
5,897.00

	  	
23,433.00

	  	  	
Full

	
2 years

	
2 Months


	
51

	  	
9

	
15

	
0

	
20411001

	
10,404.83

	
0.00

	
0.00

	
10,232.50

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
52

	  	
15

	  	  	
20411001

	
13,892.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
53

	  	
0

	  	
0

	
20411001

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
54

	  	
29

	  	
0

	
20411001

	
55,614.00

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
1 Month


	
55

	  	
6

	  	
0

	
20411001

	
53,839.00

	
0.00

	
0.00

	
5,633.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
56

	  	
15

	  	  	
20411101

	
8,200.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
57

	  	
50.42

	  	
300000

	
20411101

	
     32,917.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
58

	  	
20

	
16

	
0

	
20411101

	
16,666.67

	
0.00

	
0.00

	
23,483.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
59

	  	
39

	  	
0

	
20411201

	
51,069.00

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
60

	  	
18.5

	
16

	  	
20410901

	
19,833.00

	  	  	
14,166.00

	  	  	
Full

	
2 years

	
2 Months


	
61

	  	
16

	  	
0

	
20411001

	
16,905.99

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
62

	  	
19

	  	
0

	
20411101

	
77,248.33

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
63

	  	
15

	
0

	
0

	
20411001

	
20,833.33

	
0.00

	
0.00

	
8,583.34

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
64

	  	
1.5

	  	  	
20261001

	
0.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
65

	  	
17

	  	
0

	
20411001

	
0.00

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
66

	  	
19

	  	  	
20410901

	
13,132.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
67

	  	
11

	  	
0

	
20411001

	
12,366.67

	
0.00

	
0.00

	
12,904.10

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
68

	  	
4

	
20

	
0

	
20411001

	
63,351.83

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
69

	  	
15

	
15

	
0

	
20411101

	
22,083.00

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
70

	  	
21

	  	  	
20411101

	
21,417.00

	
6,316.00

	  	  	  	  	
Full

	
2 years

	
2 Months


	
71

	  	
30

	  	
0

	
20411001

	
4,166.67

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
72

	  	
19

	  	
0

	
20411001

	
28,947.50

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
2 Months


	
73

	  	
21

	  	
0

	
20411101

	
19,661.18

	
28,309.58

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
74

	  	
10

	  	  	
20411001

	
20,833.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
75

	  	
3

	  	
0

	
20411001

	
63,694.38

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
1 Month


	
76

	  	
10

	
6

	
0

	
20411101

	
36,241.00

	
0.00

	
0.00

	  	  	  	
Full

	
2 years

	
1 Month


	
77

	  	
18

	  	
0

	
20411101

	
83,728.33

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
78

	  	
13

	
13

	  	
20411101

	
24,638.00

	
3,333.00

	  	
10,948.00

	  	  	
Full

	
2 years

	
2 Months


	
79

	  	
25

	
7

	
0

	
20411201

	
41,666.67

	
0.00

	
0.00

	
0.00

	
0.00

	
0.00

	
Full

	
2 years

	
2 Months


	
80

	  	
20

	  	  	
20411001

	
38,560.00

	  	  	  	  	  	
Full

	
2 years

	
1 Month


	
81

	  	
34

	  	  	
20411001

	
0.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
82

	  	
25

	
28.6

	  	
20410901

	
18,333.00

	
15,414.00

	  	
5,892.00

	  	  	
Full

	
2 years

	
2 Months


	
83

	  	
25

	  	
500000

	
20411001

	
82,488.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
84

	  	
15

	
6

	  	
20261101

	
40,561.00

	  	  	
12,962.00

	  	  	
Full

	
2 years

	
2 Months


	
85

	  	
15

	
13

	  	
20411001

	
8,870.00

	  	  	
9,119.00

	  	  	
Full

	
2 years

	
2 Months


	
86

	  	
12

	  	  	
20411001

	
141,365.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
87

	  	
12

	  	  	
20261101

	
30,466.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
88

	  	
27.2

	  	  	
20411101

	
28,337.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
89

	  	
21

	  	  	
20410901

	
60,838.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
90

	  	
14

	  	  	
20411101

	
73,902.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
91

	  	
5.2

	  	  	
20261101

	
22,083.00

	
16,973.00

	  	  	  	  	
Full

	
2 years

	
2 Months


	
92

	  	
0

	  	  	
20261001

	  	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
93

	  	
18

	  	
250000

	
20411001

	
29,167.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
94

	  	
11

	  	  	
20410901

	
18,000.00

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
95

	  	
4

	  	
0

	
20411201

	
7,692.00

	  	  	  	
4,155.00

	  	
Full

	
2 years

	
2 Months


	
96

	  	
52

	  	
0

	
20411201

	  	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
97

	  	
12

	  	
0

	
20411201

	
18,333.33

	  	  	  	  	  	
Full

	
2 years

	
2 Months


	
98

	  	
17

	
11

	
0

	
20411201

	
9,694.00

	  	  	
11,868.83

	  	  	
Full

	
2 years

	
2 Months


	
99

	  	
25

	
25.6

	  	
20261101

	
19,590.00

	  	  	
53,994.00

	  	  	
Full

	
2 years

	
2 Months


	
100

	  	
20

	
10.4

	  	
20411101

	
15,403.00

	  	  	
9,349.00

	  	  	
Full

	
2 years

	
1 Month







 




  





  











  








 





	
Loan Number

	
Redwood Loan Number

	
DD Loan Number


	
7116767018

	
2000000027

	
600119300


	
22-462910-1

	
3000000262

	
600131437


	
22-463008-3

	
3000000283

	
600132623


	
22-462990-3

	
3000000288

	
600132694


	
22-464097-5

	
3000000348

	
600135657


	
22-464063-7

	
3000000385

	
600137326


	
22-464627-9

	
3000000435

	
600138718


	
7118457022

	
2000000343

	
600145303


	
22-465060-2

	
3000000449

	
600145933


	
22-467514-6

	
3000000463

	
600147089


	
22-466744-0

	
3000000466

	
600147090


	
22-467563-3

	
3000000468

	
600147103


	
22-464586-7

	
3000000480

	
600149571


	
22-455619-7

	
841000001

	
600151591


	
7119654767

	
2000000473

	
600152229


	
22-468033-6

	
3000000501

	
600152540


	
22-469026-9

	
3000000508

	
600153553


	
22-114222-3

	
3000000562

	
600153559


	
22-469217-4

	
3000000526

	
600153743


	
22-114166-2

	
856000001

	
600153745


	
22-469207-5

	
3000000529

	
600153771


	
22-469378-4

	
3000000552

	
600153773


	
22-114221-5

	
3000000551

	
600153865


	
22-468338-9

	
3000000531

	
600154267


	
22-468554-1

	
3000000557

	
600154268


	
7120359166

	
2000000504

	
600254724


	
22-469668-8

	
3000000613

	
600254752


	
2027601803

	
1050000663

	
600254765


	
2131700638

	
1050000773

	
600254766


	
3006612518

	
1050000809

	
600254767


	
7120816173

	
2000000641

	
600255648


	
2083600913

	
1050000790

	
600256922


	
12-466802-6

	
868000029

	
600256932


	
12-468233-2

	
868000025

	
600256933


	
12-469810-6

	
868000013

	
600256934


	
12-465265-7

	
868000027

	
600256935


	
12-467534-4

	
868000030

	
600256936


	
12-465953-8

	
868000035

	
600256937


	
12-465358-0

	
868000016

	
600256938


	
12-466268-0

	
868000012

	
600256939


	
12-467762-1

	
868000014

	
600256940


	
12-464298-9

	
868000034

	
600256941


	
12-470021-7

	
868000031

	
600256944


	
12-465028-9

	
868000003

	
600256945


	
12-466422-3

	
868000011

	
600256946


	
22-469782-7

	
3000000651

	
600257274


	
22-469969-0

	
3000000640

	
600257359


	
22-469894-0

	
3000000673

	
600257361


	
2027601961

	
1050000786

	
600257399


	
22-470155-3

	
3000000668

	
600257430


	
22-470308-8

	
3000000718

	
600257433


	
22-470334-4

	
3000000726

	
600258499


	
12-463921-7

	
869000001

	
600259099


	
12-465545-2

	
869000006

	
600259100


	
12-466142-7

	
869000008

	
600259101


	
12-467476-8

	
869000010

	
600259102


	
22-470436-7

	
3000000779

	
600259171


	
22-468197-9

	
3000000795

	
600259803


	
22-469869-2

	
3000000802

	
600259804


	
2153601079

	
1050000781

	
600259809


	
20631100115

	
1050000821

	
600259810


	
3006612846

	
1050000861

	
600259811


	
2198600319

	
1050000888

	
600259812


	
7120289157

	
2000000581

	
600259820


	
7120918300

	
2000000678

	
600259823


	
7121082353

	
2000000806

	
600259826


	
7120766279

	
2000000675

	
600259890


	
7120605030

	
2000000834

	
600259892


	
2051601528

	
1050000892

	
600259904


	
2135601691

	
1050000900

	
600259905


	
22-470302-1

	
3000000720

	
600259927


	
22-470038-1

	
3000000845

	
600259929


	
22-470852-5

	
3000000846

	
600260164


	
12-465498-4

	
882000002

	
600260170


	
12-465549-4

	
882000003

	
600260171


	
2073603307

	
1050000808

	
600260334


	
22-470853-3

	
3000000847

	
600260364


	
2001708071

	
1050000810

	
600260369


	
222782

	
1000000886

	
600260447


	
2003602264

	
1050000836

	
600261156


	
2141600122

	
1050000911

	
600261158


	
2073603486

	
1050000903

	
600261325


	
7000603545

	
1050000940

	
600261326


	
2244701095

	
1050000947

	
600261327


	
2001707282

	
1050000882

	
600262314


	
2001707491

	
1050000893

	
600262315


	
7120686444

	
2000000804

	
600262678


	
7121251800

	
2000000874

	
600262679


	
1075123

	
1300000942

	
600262686


	
2198600334

	
1050000904

	
600262875


	
225304

	
1000000897

	
600263028


	
225746

	
1000000964

	
600263029


	
2027602080

	
1050000941

	
600263073


	
5040351321

	
2000000627

	
600263174


	
5040350877

	
2000000654

	
600263175


	
7121006428

	
2000000817

	
600263176


	
7120768283

	
2000000867

	
600263180


	
7121571579

	
2000000912

	
600263182


	
7120681791

	
2000000956

	
600263183


	
2135601557

	
1050001057

	
600263184


	
12-470023-3

	
3000000851

	
600263185


	
12-469559-9

	
3000000913

	
600263186


	
3721600135

	
1050001011

	
600263203


	
12-471694-0

	
3000000920

	
600263204


	
2123700490

	
1050000924

	
600263298


	
2198600346

	
1050000905

	
600263314


	
2088700361

	
1050000970

	
600263315


	
3612601111

	
1050001001

	
600263316


	
2088700451

	
1050001044

	
600263317


	
2027602115

	
1050001036

	
600263328


	
225401

	
1000000969

	
600263717


	
22-114256-1

	
3000000936

	
600263718


	
2027602067

	
1050000922

	
600263731


	
3726600027

	
1050001026

	
600264081


	
2036605744

	
1050000977

	
600264901


	
3624700942

	
1050001035

	
600264902


	
3092605524

	
1050001070

	
600264903


	
226182

	
1000000926

	
600264904


	
7119965072

	
2000000875

	
600264906


	
7121085000

	
2000000918

	
600264922


	
7121754175

	
2000000958

	
600264923


	
2028606980

	
1050000992

	
600264924


	
3627601196

	
1050001004

	
600264925


	
2036605817

	
1050000967

	
600264927


	
3650602060

	
1050000982

	
600264928


	
2001708537

	
1050000994

	
600264935


	
2051601611

	
1050000986

	
600264937


	
3602601382

	
1050000989

	
600264938


	
3006613221

	
1050001007

	
600264939


	
2001708593

	
1050001058

	
600264940


	
223089

	
1000001043

	
600265106


	
1042394

	
1300000953

	
600265107


	
1077215

	
1300000980

	
600265108


	
2168600339

	
1050001065

	
600265186


	
3726600244

	
1050001169

	
600265187


	
1073668

	
1300000978

	
600266249


	
225955

	
1000001033

	
600266303


	
201316

	
1000001034

	
600266304


	
7121666429

	
2000000968

	
600266324


	
7121902899

	
2000000984

	
600266325


	
7121903640

	
2000000985

	
600266326


	
7121723493

	
2000000990

	
600266327


	
7121909985

	
2000001013

	
600266328


	
2204600190

	
1050000975

	
600266583


	
2161601739

	
1050001101

	
600266584


	
12-472676-6

	
3000001003

	
600266585


	
2027602053

	
1050000944

	
600266838


	
1083602358

	
1050001023

	
600266839


	
2253600055

	
1050001045

	
600266840


	
6005600186

	
1050001249

	
600266842


	
2125602741

	
1050001099

	
600266843


	
12-473036-2

	
3000001030

	
600266852


	
12-473037-0

	
3000001031

	
600266853


	
12-470428-4

	
3000001124

	
600266854


	
2238600275

	
1050000963

	
600266855


	
20171100351

	
1050001040

	
600266856


	
2027602127

	
1050001086

	
600266857


	
2238600305

	
1050001100

	
600266858


	
3670600488

	
1050001111

	
600266859


	
6014600293

	
1050001157

	
600266860


	
3707602678

	
1050001067

	
600267299


	
3602601402

	
1050001098

	
600267300


	
2154601123

	
1050001110

	
600267301


	
3726600119

	
1050001167

	
600267302


	
2036605864

	
1050001019

	
600267837


	
2027602116

	
1050001066

	
600267838


	
3726600200

	
1050001168

	
600267839


	
2198600379

	
1050001194

	
600267840


	
12-473133-7

	
3000001053

	
600267841


	
12-473070-1

	
3000001060

	
600267842


	
12-473229-3

	
3000001062

	
600267843


	
12-467840-5

	
3000001130

	
600267844


	
12-469097-0

	
3000001131

	
600267845


	
12-470377-3

	
3000001132

	
600267846


	
12-470769-1

	
3000001133

	
600267847


	
12-470908-5

	
3000001135

	
600267849


	
12-470975-4

	
3000001136

	
600267850


	
12-471292-3

	
3000001137

	
600267851


	
12-471308-7

	
3000001138

	
600267852


	
12-471508-2

	
3000001139

	
600267853


	
12-471662-7

	
3000001140

	
600267854


	
12-471696-5

	
3000001141

	
600267855


	
12-471764-1

	
3000001142

	
600267856


	
12-472005-8

	
3000001143

	
600267857


	
12-472143-7

	
3000001144

	
600267858


	
22-472359-9

	
3000001146

	
600267859


	
2028607129

	
1050001087

	
600267873


	
2273600002

	
1050001090

	
600267874


	
12-472298-9

	
3000001072

	
600267912


	
12-473194-9

	
3000001073

	
600267913


	
12-473134-5

	
3000001038

	
600268949


	
12-473145-1

	
3000001082

	
600268951


	
12-473457-0

	
3000001097

	
600268952


	
2177600280

	
1050001063

	
600269262


	
2154601108

	
1050001094

	
600269263


	
3726600150

	
1050001128

	
600269265


	
3705600434

	
1050001195

	
600269267


	
7120850032

	
2000000792

	
600269287


	
7121668326

	
2000000993

	
600269288


	
7121966142

	
2000001014

	
600269289


	
7121753466

	
2000001022

	
600269290


	
7120524207

	
2000001096

	
600269291


	
7121575273

	
2000001108

	
600269292


	
7121919133

	
2000001162

	
600269293


	
12-472243-5

	
3000001145

	
600269294


	
2097600762

	
1050001010

	
600269320


	
3602601390

	
1050001079

	
600269321


	
2248600040

	
1050001112

	
600271908


	
3006613329

	
1050001118

	
600271909


	
22-473628-6

	
3000001116

	
600271910


	
12-471695-7

	
3000001348

	
600271911


	
12-471420-0

	
3000001349

	
600271912


	
1076716

	
1300001077

	
600273390


	
1076082

	
1300001181

	
600273391


	
1077462

	
1300001182

	
600273392


	
12-473518-9

	
3000001105

	
600273415


	
5050454775

	
2000000948

	
600274056


	
7121336809

	
2000000983

	
600274057


	
7121832930

	
2000001041

	
600274058


	
7122307155

	
2000001184

	
600274059


	
001082241

	
1300001270

	
600274213


	
7122239028

	
2000001152

	
600274214


	
7122256725

	
2000001183

	
600274215


	
7121722271

	
2000000991

	
600274216


	
3052602876

	
1050001187

	
600274218


	
12-473276-4

	
3000001176

	
600274219


	
12-473927-2

	
3000001177

	
600274220


	
3651604471

	
1050001222

	
600274999


	
2046605421

	
1050001275

	
600275000


	
20631100547

	
1050001307

	
600275001


	
6005600286

	
1050001338

	
600275002


	
7121657733

	
2000001075

	
600275003


	
12-474046-0

	
3000001236

	
600275005


	
12-114255-3

	
3000001677

	
600275006


	
12-465477-8

	
909000126

	
600275153


	
12-460880-8

	
909000134

	
600275154


	
12-466127-8

	
909000135

	
600275155


	
2210600429

	
1050001089

	
600275166


	
12-474206-0

	
3000001243

	
600275167


	
12-473983-5

	
3000001342

	
600275168


	
2105600365

	
1050001571

	
600275921


	
7121753607

	
2000000972

	
600275922


	
7122334985

	
2000001267

	
600275923


	
7122451052

	
2000001515

	
600275924


	
3706601428

	
1050001758

	
600276858


	
12-474188-0

	
3000001238

	
600276859


	
7121674803

	
2000001403

	
600276860


	
7122076396

	
2000001088

	
600277197


	
12-473362-2

	
3000001197

	
600277199


	
12-474281-3

	
3000001214

	
600277200


	
12-473732-6

	
3000001347

	
600277201


	
3643602404

	
1050001155

	
600277202


	
001070685

	
1300001012

	
600277203


	
001080934

	
1300001174

	
600277204


	
20321100005

	
1050001115

	
600277259


	
2039604549

	
1050001189

	
600277261


	
12-474234-2

	
3000001213

	
600277263


	
12-474538-6

	
3000001276

	
600277264


	
12-473776-3

	
3000001289

	
600277265


	
12-474536-0

	
3000001345

	
600277266


	
7122331841

	
2000001190

	
600277267


	
7122356434

	
2000001271

	
600277268


	
6014600088

	
1050001092

	
600277278


	
2218601128

	
1050001227

	
600277280


	
2198600438

	
1050001274

	
600277281


	
22-462687-5

	
814000005

	
600277282


	
22-463392-1

	
814000006

	
600277283


	
12-465022-2

	
868000001

	
600277284


	
12-466794-5

	
868000002

	
600277285


	
12-466540-2

	
868000004

	
600277286


	
12-466115-3

	
868000006

	
600277287


	
12-466311-8

	
868000007

	
600277288


	
12-466681-4

	
868000008

	
600277289


	
12-465277-2

	
868000009

	
600277290


	
12-465945-4

	
868000010

	
600277291


	
12-469251-3

	
868000015

	
600277292


	
12-465189-9

	
868000017

	
600277293


	
12-470449-0

	
868000018

	
600277294


	
12-465950-4

	
868000019

	
600277295


	
12-465680-7

	
868000020

	
600277296


	
12-468883-4

	
868000021

	
600277297


	
12-465802-7

	
868000022

	
600277298


	
12-466809-1

	
868000023

	
600277299


	
12-467125-1

	
868000024

	
600277300


	
12-468482-5

	
868000026

	
600277301


	
12-466745-7

	
868000028

	
600277302


	
12-465834-0

	
868000032

	
600277303


	
12-470164-5

	
868000033

	
600277304


	
12-465114-7

	
869000004

	
600277306


	
12-465290-5

	
869000005

	
600277307


	
12-465777-1

	
869000007

	
600277308


	
12-466146-8

	
869000009

	
600277309


	
12-468707-5

	
869000011

	
600277310


	
12-473040-4

	
3000001016

	
600277327


	
12-473069-3

	
3000001231

	
600277328


	
12-474309-2

	
3000001240

	
600277329


	
2030601875

	
1050001256

	
600277332


	
6008684

	
1650001624

	
600277333


	
3052602909

	
1050001340

	
600277452


	
001080213

	
1300001120

	
600277619


	
12-474396-9

	
3000001248

	
600277620


	
12-474615-2

	
3000001304

	
600277621


	
12-474625-1

	
3000001305

	
600277622


	
12-474793-7

	
3000001326

	
600277623


	
12-474356-3

	
3000001344

	
600277624


	
12-474454-6

	
3000001355

	
600277625


	
12-472651-9

	
3000001160

	
600277745


	
12-470920-0

	
3000001334

	
600277746


	
2108600297

	
1050001284

	
600278836


	
6005600235

	
1050001621

	
600278838


	
001081295

	
1300001221

	
600278839


	
001082302

	
1300001380

	
600278841


	
001081489

	
1300001314

	
600278842


	
212044

	
1000001574

	
600279167


	
3602601352

	
1050001117

	
600279168


	
6005600275

	
1050001253

	
600279169


	
12-474927-1

	
3000001357

	
600279194


	
2027602195

	
1050001777

	
600279195


	
2154601170

	
1050001229

	
600279196


	
224051

	
1000001642

	
600279199


	
7120444828

	
2000001588

	
600279200


	
21871100062

	
1050001254

	
600279333


	
3602601464

	
1050001433

	
600279335


	
12-474100-5

	
3000001346

	
600279336


	
12-474767-1

	
3000001356

	
600279337


	
7122405942

	
2000001299

	
600279339


	
2051601642

	
1050001512

	
600280458


	
2001708341

	
1050001179

	
600280460


	
12-473903-3

	
3000001255

	
600280494


	
12-474999-0

	
3000001367

	
600280495


	
6010270

	
1650001511

	
600280496


	
12-473930-6

	
3000001233

	
600280931


	
12-474252-4

	
3000001239

	
600280932


	
12-474783-8

	
3000001325

	
600281543


	
12-474762-2

	
3000001405

	
600281544


	
12-475316-6

	
3000001507

	
600281545


	
22-114276-9

	
3000001278

	
600282102


	
12-475084-0

	
3000001408

	
600282103


	
12-475126-9

	
3000001454

	
600282104


	
21491100132

	
1050001317

	
600282789


	
7122627289

	
2000001568

	
600282791


	
12-475079-0

	
3000001407

	
600282792


	
12-475220-0

	
3000001455

	
600282793


	
12-475255-6

	
3000001464

	
600282794


	
12-475267-1

	
3000001465

	
600282795


	
12-473750-8

	
3000001418

	
600282796


	
001080666

	
1300001516

	
600282797


	
001081407

	
1300001211

	
600283120


	
001085417

	
1300001580

	
600283121


	
12-475097-2

	
3000001578

	
600283122


	
6010180

	
1650001458

	
600284125


	
231027

	
1000001250

	
600284520


	
2058601997

	
1050001815

	
600284526


	
12-472155-1

	
3000001595

	
600284527


	
12-474022-1

	
3000001235

	
600284528


	
12-472777-2

	
3000002004

	
600285029


	
5040436072

	
2000001351

	
600285216


	
7122705481

	
2000001610

	
600285217


	
7122969368

	
2000001788

	
600285218


	
231043

	
1000001251

	
600285219


	
7122780740

	
2000001611

	
600285524


	
7122619625

	
2000001439

	
600286773


	
001078858

	
1300001283

	
600286774


	
12-474638-4

	
3000001627

	
600287923


	
8000383

	
1650001762

	
600288023


	
2045701120

	
1050001750

	
600288086


	
12-475406-5

	
3000001643

	
600289593


	
12-475004-8

	
3000001655

	
600289867


	
22-471347-5

	
978000001

	
600295295


	
22-470986-1

	
978000002

	
600295296


	
22-470751-9

	
978000003

	
600295297


	
22-471274-1

	
978000005

	
600295299


	
22-471474-7

	
978000009

	
600295303


	
22-473895-1

	
978000012

	
600295306


	
22-474402-5

	
978000014

	
600295308


	
22-472531-3

	
978000017

	
600295311


	
22-473538-7

	
978000018

	
600295312


	
22-474143-5

	
978000024

	
600295318


	
22-473670-8

	
978000027

	
600295321


	
22-473623-7

	
978000030

	
600295324


	
22-473889-4

	
978000031

	
600295325


	
22-473945-4

	
978000033

	
600295327


	
22-474353-0

	
978000034

	
600295328


	
22-472722-8

	
978000035

	
600295329


	
22-474077-5

	
978000036

	
600295330


	
22-474750-7

	
978000037

	
600295331


	
22-472504-0

	
978000039

	
600295333


	
22-473084-2

	
978000040

	
600295334


	
22-473598-1

	
978000042

	
600295336


	
22-473019-8

	
978000043

	
600295337


	
22-471526-4

	
978000046

	
600295340


	
22-473594-0

	
978000047

	
600295341


	
22-472802-8

	
978000048

	
600295342


	
22-472513-1

	
978000049

	
600295343


	
22-471784-9

	
978000050

	
600295344


	
22-470404-5

	
978000051

	
600295345


	
22-468312-4

	
978000053

	
600295347


	
22-472911-7

	
978000054

	
600295348


	
22-473860-5

	
978000055

	
600295349


	
22-473556-9

	
978000058

	
600295352


	
22-471999-3

	
978000059

	
600295353


	
22-472313-6

	
978000061

	
600295355


	
22-473141-0

	
978000063

	
600295357


	
22-473230-1

	
978000065

	
600295359


	
22-471634-6

	
978000082

	
600295376


	
503279849

	
1150001401

	
Clayton.  No loanid


	
503294792

	
1150001498

	
Clayton.  No loanid


	
503260869

	
1150001373

	
Clayton.  No loanid


	
503281720

	
1150001400

	
Clayton.  No loanid


	
503266350

	
1150001395

	
Clayton.  No loanid


	
503283192

	
1150001371

	
Clayton.  No loanid


	
503278341

	
1150001970

	
Clayton.  No loanid


	
503275972

	
1150001597

	
Clayton.  No loanid


	
503272061

	
1150001383

	
Clayton.  No loanid


	
503260793

	
1150001399

	
Clayton.  No loanid


	
503273065

	
1150001384

	
Clayton.  No loanid


	
503234706

	
1150001372

	
Clayton.  No loanid


	
503335768

	
1150001855

	
Clayton.  No loanid


	
503280657

	
1150001417

	
Clayton.  No loanid


	
503276011

	
1150001374

	
Clayton.  No loanid


	
503285149

	
1150001527

	
Clayton.  No loanid


	
503278520

	
1150001375

	
Clayton.  No loanid


	
503257737

	
1150001378

	
Clayton.  No loanid


	
503273469

	
1150001385

	
Clayton.  No loanid


	
503273037

	
1150001556

	
Clayton.  No loanid


	
2011000462

	
1400001469

	
Clayton.  No loanid


	
503259752

	
1150001402

	
Clayton.  No loanid


	
2011000933

	
1400001741

	
Clayton.  No loanid


	
503299399

	
1150001503

	
Clayton.  No loanid


	
503273456

	
1150001387

	
Clayton.  No loanid


	
503255085

	
1150001398

	
Clayton.  No loanid


	
503272937

	
1150001397

	
Clayton.  No loanid


	
503251726

	
1150001694

	
Clayton.  No loanid


	
503256518

	
1150001376

	
Clayton.  No loanid


	
503279494

	
1150001537

	
Clayton.  No loanid


	
503279768

	
1150001632

	
Clayton.  No loanid


	
503302762

	
1150001481

	
Clayton.  No loanid


	
503281800

	
1150001411

	
Clayton.  No loanid


	
503253990

	
1150001517

	
Clayton.  No loanid


	
503272246

	
1150001899

	
Clayton.  No loanid


	
503326005

	
1150001755

	
Clayton.  No loanid


	
2011001782

	
1400001850

	
Clayton.  No loanid


	
503339764

	
1150001888

	
Clayton.  No loanid


	
503325948

	
1150001768

	
Clayton.  No loanid


	
503301258

	
1150001486

	
Clayton.  No loanid


	
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

	  





 




  





  











  








APPENDIX A


 


MODIFICATIONS TO THE FLOW SERVICING AGREEMENT


 


1.             The definition of “Assumed Principal Balance” in Section 1 is revised to read in its entirety as follows:


 


“Assumed Principal Balance:  As to each Mortgage Loan as of any date of determination, (i) the principal balance of the Mortgage Loan outstanding as of the Cut-off Date after application of payments due on or before the Cut-off Date, whether or not received, minus (ii) all amounts previously distributed to the Owner with respect to the Mortgage Loan pursuant to Subsection 11.15 and representing (a) payments or other recoveries of principal or (b) advances of scheduled principal payments made pursuant to Subsection 11.17.”


 


2.             The definition of “Business Day” in Section 1 is revised to read in its entirety as follows:


 


“Business Day:  Any day other than (i) a Saturday or a Sunday, or (ii) a legal holiday in the State of New York, the State of New Jersey, the State of California, or the State of Maryland or the State of Minnesota, or (iii) a day on which banks in the State of New York, the State of New Jersey, the State of California, or the State of Maryland or the State of Minnesota are authorized or obligated by law or executive order to be closed.”


 


3.             The definition of “Closing Date” in Section 1 is revised to read in its entirety as follows:


 


“Closing Date:  January 27, 2012, except with respect to Section 3 and the Servicer Acknowledgement(s).”


 


4.             The definition of “Cut-off Date” in Section 1 is revised to read in its entirety as follows:


 


“Cut-off Date:  January 1, 2012, except with respect to the Servicer Acknowledgement(s).”


 


5.             The definition of “First Remittance Date” in Section 1 is revised to read in its entirety as follows:


 




	
  

	
“First Remittance Date:  February 25, 2012.”







 






  





A-1











  






 


6.             A new definition of “Servicing Administrator” is hereby added to Section 1, to be inserted alphabetically and to read in its entirety as follows:


 


“Servicing Administrator:  Redwood Residential Acquisition Corporation or its successor in interest.”


 



	
  

	
7.

	
Owner Representation Correction







 



	
  

	
In the first sentence of Subsection 7.02(a), the phrase “federal savings bank” is replaced by the phrase “Delaware corporation” and the term “United States” is replaced by the term “Delaware”.







 




  





A-2











  






 




	
  

	
8.

	
Loan Modifications and Environmental Issues







 





(a)           Subsection 11.01, fifth paragraph is revised to read in its entirety as follows:


 




“Consistent with the terms of this Agreement, and subject to the REMIC Provisions if the Mortgage Loans have been transferred to a REMIC, the Servicer may waive, modify or vary any term of any Mortgage Loan or consent to the postponement of strict compliance with any such term or in any manner grant indulgence to any Mortgagor; provided, however, that (unless the Mortgagor is in default with respect to the Mortgage Loan, or such default is, in the judgment of the Servicer, imminent, and the modification is in accordance with the previously agreed-upon customary procedures of the Servicer, which may change from time to time, or industry-accepted programs, and the Servicer has previously notified the Owner of such modification) the Servicer shall not enter into any payment plan or agreement to modify payments with a Mortgagor lasting more than twelve (12) months or permit any modification with respect to any Mortgage Loan that would change the Mortgage Interest Rate, the Lifetime Rate Cap (if applicable), the Initial Rate Cap (if applicable), the Periodic Rate Cap (if applicable) or the Gross Margin (if applicable), agree to the capitalization of arrearages, including interest, fees or expenses owed under the Mortgage Loan, make any future advances or extend the final maturity date with respect to such Mortgage Loan, or accept substitute or additional collateral or release any collateral for such Mortgage Loan.  Additionally, the Servicer shall not accept any deed-in-lieu of, short pay-off, or sell any property, in which the sale proceeds are less than the unpaid principal balance of the related Mortgage Loan without previously notifying the Owner and providing the Owner with justification for such action.   Further, unless the related Mortgage Loan is in default or such default is, in the judgment of the Servicer, imminent, the Servicer shall not defer or forgive the payment of any principal or interest or change the outstanding principal amount (except to reflect actual payments of principal) without previously notifying the Owner and providing the Owner with justification for such action.  Any capitalization of arrearages of interest, fees and expenses in excess of 10% of the outstanding unpaid principal balance of the related Mortgage Loan immediately prior to the capitalization shall be made only after the Servicer has notified the Owner and provided the Owner with justification for the capitalization.   Without limiting the generality of the foregoing, the Servicer in its own name or acting through subservicers or agents is hereby authorized and empowered by the Owner when the Servicer believes it appropriate and reasonable in its best judgment, to execute and deliver, on behalf of itself or the Owner, all instruments of satisfaction or cancellation, or of partial or full release and discharge, and all other comparable instruments, with respect to the Mortgage Loans and the Mortgaged Properties and to institute foreclosure proceedings or obtain a deed-in-lieu of foreclosure so as to convert the ownership of such properties, and to hold or cause to be held title to such properties, on behalf of the Owner pursuant to the provisions of Subsection 11.13.  Notwithstanding anything to the contrary in the this Agreement, the Servicer shall not make or permit any modification, waiver or amendment of any term of a Mortgage Loan that could cause any REMIC holding such Mortgage Loan to fail to qualify as a REMIC or result in the imposition of any tax under Section 860F(a) or 860G(d) of the Code on any REMIC holding such Mortgage Loan.”







(b)           Subsection 11.01, eighth paragraph is revised to read in its entirety as follows:







Notwithstanding anything to the contrary contained herein, in connection with a foreclosure or acceptance of a deed in lieu of foreclosure, in the event the Servicer believes that a Mortgaged Property is contaminated by hazardous or toxic substances or wastes, or if the Owner otherwise requests an environmental inspection or review of such Mortgaged Property, such an inspection or review is to be conducted by a qualified inspector at the Owner’s expense.  Upon completion of the inspection, the Servicer shall promptly provide the Owner with a written report of the environmental inspection.  In the event (i) the environmental inspection report indicates that the Mortgaged Property is contaminated by hazardous or toxic substances or wastes and (ii) the Owner provides written approval for the Servicer to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all reasonable costs associated with such foreclosure or acceptance of a deed in lieu of foreclosure and any related environmental clean up costs, as applicable, from the related Liquidation Proceeds, or if the Liquidation Proceeds are insufficient fully to reimburse the Servicer, the Servicer shall be entitled to be reimbursed from amounts in the Custodial Account pursuant to Subsection 11.05 hereof.  In the event the Owner directs the Servicer not to proceed with foreclosure or acceptance of a deed in lieu of foreclosure, the Servicer shall be reimbursed for all Servicing Advances made with respect to the related Mortgaged Property from the Custodial Account pursuant to Subsection 11.05 hereof.






  





A-3











  






 


9.             Subsection 11.04, first sentence of the first paragraph is revised to read in its entirety as follows:


 


“The Servicer shall segregate and hold all funds collected and received pursuant to each Mortgage Loan separate and apart from any of its own funds and general assets and shall establish and maintain one or more Custodial Accounts (collectively, the “Custodial Account”), titled “U.S. Bank National Association, in trust for the holders of Sequoia Mortgage Trust 2012-1 Mortgage Pass-Through Certificates.”


 


10.           Subsection 11.04, subclause (f) of the second paragraph is revised to read in its entirety as follows:







“(f)          any amount required to be deposited in the Custodial Account pursuant to Subsections 11.15, 11.17, 11.19 and 11.25.”


 


11.           Notwithstanding anything to the contrary in the Flow Servicing Agreement, any Custodial Accounts established by the Servicer pursuant to Subsection 11.04 of the Flow Servicing Agreement shall qualify as Eligible Accounts as defined in the Pooling and Servicing Agreement.


 


 12.          Paragraphs (b), (c), (d) and (f) of Subsection 11.05 are revised to read in their entirety as follows:







(b)           to reimburse the Servicing Administrator for P&I Advances, the Servicing Administrator’s right to reimbursement pursuant to this subclause (b) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the Servicing Administrator’s right thereto shall be prior to the rights of the Owner with respect to such Mortgage Loan;






  





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            (c)           to reimburse itself or the Servicing Administrator for any unpaid portion of any Servicing Fees and for unreimbursed Servicing Advances made by the Servicer or the Servicing Administrator, the Servicer’s right to reimburse itself or the Servicing Administrator pursuant to this subclause (c) with respect to any Mortgage Loan being limited to related Liquidation Proceeds, Condemnation Proceeds, Insurance Proceeds and such other amounts as may be collected by the Servicer from the related Mortgagor or otherwise relating to the Mortgage Loan, it being understood that, in the case of any such reimbursement, the rights of the Servicer and Servicing Administrator thereto shall be prior to the rights of the Owner unless the Servicing Administrator is required to pay the Prepayment Interest Shortfall pursuant to Subsection 11.15, in which case the Servicing Administrator’s right to such reimbursement shall be subsequent to the payment to the Owner of such shortfall;


 


(d)           to reimburse itself or the Servicing Administrator for unreimbursed Servicing Advances, to the extent that such amounts are nonrecoverable (as certified by the Servicer or the Servicing Administrator, as applicable, to the Owner in an Officer’s Certificate) by the Servicer or the Servicing Administrator, as applicable, pursuant to subclause (c) above;


 


(f)           to reimburse the Servicing Administrator for unreimbursed P&I Advances, to the extent that such amounts are nonrecoverable (as certified by the Servicing Administrator to the Owner in an Officer’s Certificate) by the Servicing Administrator  pursuant to subclause (b) above;


 


13.           Amendments to Subsection 11.13







(a)           Subsection 11.13 is revised by deleting the first sentence and replacing it in its entirety with the following:







“Subject to Subsection 11.02, in the event that title to the Mortgaged Property is acquired in foreclosure or by deed in lieu of foreclosure, the deed or certificate of sale shall be taken in the name of the trust created by the Pooling and Servicing Agreement, where permitted by applicable law or regulation and consistent with Customary Servicing Procedures, and otherwise, in the name of the trustee of the Trust or its nominee.”


 




  





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(b)           Subsection 11.13 is further revised to add the following paragraphs at the end of the section:




“The REO Property must be sold within three years following the end of the calendar year of the date of acquisition if a REMIC election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, unless (i) the Owner shall have been supplied with an Opinion of Counsel (at the expense of the Servicing Administrator) to the effect that the holding by the related trust of such Mortgaged Property subsequent to such three-year period (and specifying the period beyond such three-year period for which the Mortgaged Property may be held) will not result in the imposition of taxes on “prohibited transactions” of the related trust as defined in Section 860F of the Code, or cause the related REMIC to fail to qualify as a REMIC, in which case the related trust may continue to hold such Mortgaged Property (subject to any conditions contained in such Opinion of Counsel), or (ii) the Owner (at the Servicer’s expense) or the Servicer shall have applied for, prior to the expiration of such three-year period, an extension of such three-year period in the manner contemplated by Section 856(e)(3) of the Code, in which case the three-year period shall be extended by the applicable period.  If a period longer than three years is permitted under the foregoing sentence and is necessary to sell any REO Property, the Servicer shall report monthly to the Owner as to progress being made in selling such REO Property.







Notwithstanding any other provision of this Agreement, if a REMIC election has been made, no Mortgaged Property held by a REMIC shall be rented (or allowed to continue to be rented) or otherwise used for the production of income by or on behalf of the related trust or sold in such a manner or pursuant to any terms that would (i) cause such Mortgaged Property to fail to qualify at any time as “foreclosure property” within the meaning of Section 860G(a)(8) of the Code, (ii) subject the related trust to the imposition of any federal or state income taxes on “net income from foreclosure property” with respect to such Mortgaged Property within the meaning of Section 860G(c) of the Code, or (iii) cause the sale of such Mortgaged Property to result in the receipt by the related trust of any income from non-permitted assets as described in Section 860F(a) (2)(B) of the Code, unless the Servicer has agreed to indemnify and hold harmless the related trust with respect to the imposition of any such taxes.”


 




  





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14.           Subsection 11.17 is revised to read in its entirety as follows:







“Subsection 11.17           Advances by the Servicer or Servicing Administrator.







No later than two Business Days immediately preceding each related Remittance Date, the Servicer shall either (a) deposit in the Custodial Account from funds provided by the Servicing Administrator pursuant to Subsection 11.25 an amount equal to the aggregate amount of all Monthly Payments (with interest adjusted to the Mortgage Loan Remittance Rate) which were due on the Mortgage Loans during the applicable Due Period and which were delinquent at the close of business on the immediately preceding Determination Date, (b) cause to be made an appropriate entry in the records of the Custodial Account that amounts held for future distribution have been, as permitted by this Subsection 11.17, used by the Servicer in discharge of any such P&I Advance or (c) make P&I Advances in the form of any combination of (a) or (b) aggregating the total amount of advances to be made, subject to Subsection 11.25.  Any amounts held for future distribution and so used shall be replaced by the Servicing Administrator by deposit in the Custodial Account on or before any future Remittance Date if funds in the Custodial Account on such Remittance Date shall be less than payments to the Owner required to be made on such Remittance Date.  The Servicing Administrator’s obligation to make P&I Advances as to any Mortgage Loan will continue through the last Monthly Payment due prior to the payment in full of a Mortgage Loan, or through the last related Remittance Date prior to the Remittance Date for the distribution of all other payments or recoveries (including proceeds under any title, hazard or other insurance policy, or condemnation awards) with respect to a Mortgage Loan; provided, however, that such obligation shall cease if the Servicing Administrator, in its good faith judgment, determines that such P&I Advances would not be recoverable pursuant to Subsection 11.05(b).  The determination by the Servicing Administrator that a P&I Advance, if made, would be nonrecoverable, shall be evidenced by an Officer’s Certificate of the Servicing Administrator delivered to the Owner, which details the reasons for such determination.  Neither the Servicing Administrator nor the Servicer shall have any obligation to advance amounts in respect of shortfalls relating to the Servicemembers Civil Relief Act and similar state and local laws.







15.           The first sentence of Subsection 11.18 is revised to read in its entirety as follows:







“The Servicer will use its best efforts to enforce any “due-on-sale” provision contained in any Mortgage or Mortgage Note; provided that, subject to the Owner’s prior approval for the release of liability from the original borrower, the Servicer shall permit such assumption if so required in accordance with the terms of the Mortgage or the Mortgage Note.”







16.           The Flow Servicing Agreement is modified by adding a new Subsection 11.26 which reads in its entirety as follows:







“Subsection 11.26 Compliance with REMIC Provisions.







If a REMIC election has been made with respect to the arrangement under which the Mortgage Loans and REO Property are held, the Servicer shall not take any action, cause the REMIC to take any action or fail to take (or fail to cause to be taken) any action that, under the REMIC Provisions, if taken or not taken, as the case may be, could (i) endanger the status of the REMIC as a REMIC or (ii) result in the imposition of a tax upon the REMIC (including but not limited to the tax on “prohibited transactions” as defined in Section 860F(a)(2) of the Code and the tax on “contribution” to a REMIC set forth in Section 860G(d) of the Code unless the Servicer has received an Opinion of Counsel (at the expense of the party seeking to take such actions) to the effect that the contemplated action will not endanger such REMIC status or result in the imposition of any such tax.”






  





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17.           The first sentence of Subsection 12.01(b) is revised to read in its entirety as follows:







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


 


18.           Subsection 12.04 is revised to read in its entirety as follows:







“Subsection 12.04           Servicer Not to Resign.







The Servicer shall not assign this Agreement or resign from the obligations and duties hereby imposed on it except by mutual consent of the Servicer and the Owner or upon the determination that the Servicer’s duties hereunder are no longer permissible under applicable law and such incapacity cannot be cured by the Servicer.  No such resignation of or assignment by the Servicer shall become effective until a successor has assumed the Servicer’s responsibilities and obligations hereunder in accordance with Subsection 14.02.”






  





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