Document:

EXHIBIT 10.7 

  

EXECUTION COPY

 

ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES
AGREEMENT

 

This is an Assignment
of Representations and Warranties Agreement (the “Agreement”) made as of the 21st day of September, 2012, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings
bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”)
under a Pooling and Servicing Agreement dated as of September 1, 2012 (the “Pooling and Servicing Agreement”), and
Flagstar Capital Markets Corporation, a Delaware corporation (“Flagstar”).

 

In consideration of
the mutual promises contained herein, the parties hereto agree that the mortgage loans (the “Mortgage Loans”) listed
on Attachment 1 annexed hereto (the “Mortgage Loan Schedule”) are subject to the terms of the Flow Mortgage Loan Purchase
and Sale Agreement dated as of May 23, 2011, between Assignor and Flagstar (the “Purchase Agreement”) as modified or
supplemented by this Agreement. Unless otherwise specified herein, capitalized terms used herein but not defined shall have the
meanings ascribed to them in the Purchase Agreement. Assignor will sell the Mortgage Loans to Depositor pursuant to a Mortgage
Loan Purchase and Sale Agreement dated the date hereof, and Depositor will sell the Mortgage Loans to Assignee pursuant to the
Pooling and Servicing Agreement.

 

Assignment 

 

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

 

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

 

3.          Flagstar
hereby acknowledges the foregoing assignments.

 

Representations and Warranties

 

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

  

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

 

    	 

    	 

    

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

(a)          Assignee
is a federal savings bank duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization;
and

 

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

 

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

 

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

 

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

 

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

 

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

 

Restated Flagstar Representations and
Warranties

 

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

 

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

 

Recognition of Assignee

 

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

 

 

Enforcement of Rights 

 

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

 

Purchase
Agreement:

 

	Section or Subsection	 	Matter
	 	 	 
	7.03, other than 7.03(c)	 	
        Repurchase and
Substitution 

 

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

 

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Amendments to Purchase Agreement

 

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

 

(a)          Definitions.

 

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

 

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

 

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

 

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

 

(b)          The
following sentence shall be added as the new third sentence of Subsection 7.03(a):

 

Each determination as to whether
there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.

 

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

 

Miscellaneous

 

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

 

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(a)          In
the case of Flagstar,

 

Flagstar Capital Markets Corporation

5151 Corporate Drive

Troy, Michigan 48098

Attention : Product Development
Department

 

with a copy to

 

Legal Department at the same address

 

(b)          In
the case of Assignee,

 

Christiana Trust, a division
of Wilmington Savings Fund Society, FSB

500 Delaware Avenue,
11th Floor

Wilmington, Delaware,
19801

Attention: Corporate
Trust

 

(c)          In
the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(d)          In
the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(e)          In
the case of Master Servicer,

 

Wells Fargo Bank,
N.A.

9062 Old Annapolis
Road

Columbia, Maryland
21045)

Telephone number:
(410) 884-2000

 

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Facsimile number:
(410) 715-2380

Attention: Client
Manager — Sequoia Mortgage Trust 2012-4

 

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

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #48174300, Sequoia
Mortgage Trust 2012-4 Distribution Account

 

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

 

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22.         Rule
17g-5 Compliance. Flagstar hereby agrees that it shall provide information with respect to the Mortgage Loans or the origination
thereof to any Rating Agency or nationally recognized statistical rating organization (“NRSRO”) via electronic mail
at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT 2012-4” and an identification of the
type of information being provided in the body of such electronic mail. The Securities Administrator, as the initial Rule 17g-5
Information Provider (the “Rule 17g-5 Information Provider”) shall notify Flagstar in writing of any change in the
identity or contact information of the Rule 17g-5 Information Provider. Flagstar shall have no liability for (i) the Rule 17g-5
Information Provider’s failure to post information provided by it in accordance with the terms of this Agreement or (ii)
any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider. None of the foregoing restrictions
in this Section 22 prohibit or restrict oral or written communications, or providing information, between Flagstar, 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 Flagstar or (ii) such Rating Agency’s or NRSRO’s evaluation of Flagstar’s operations
in general; provided, however, that Flagstar 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.

 

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

 

	 	REDWOOD RESIDENTIAL ACQUISITION
 CORPORATION
	 	Assignor
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:	John Isbrandtsen 
	 	Title:	Authorized Officer
	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	Depositor
	 	 	 
	 	By:	/s/ John Isbrandtsen 
	 	Name:	John Isbrandtsen  
	 	Title:	Authorized Officer 
	 	 	 
	 	Christiana Trust, a division of
 Wilmington Savings Fund Society,
    FSB,
 not in its individual capacity but solely as Trustee,
	 	Assignee
	 	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	Name:	Jeffrey R. Everhart 
	 	Title:	AVP
	 	 	 
	 	FLAGSTAR CAPITAL MARKETS CORPORATION
	 	 	 
	 	By:	/s/ Stanley O. Jursek
	 	Name:	Stanley O. Jursek 
	 	Title:	SVP

 

	Accepted and agreed to by:	 
	 	 
	WELLS FARGO BANK, N.A.	 
	Master Servicer	 
	 	 	 
	By:	/s/ Graham M. Oglesby	 
	Name:	Graham M. Oglesby 	 
	Title:	Vice President	 

 

Signature Page – Assignment of Representations
and Warranties – Flagstar Capital (SEMT 2012-4)

 

    	 

    	 

    

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

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	Primary Servicer	 	Servicing Fee %	 	Servicing
 Fee—Flatdollar	 	Servicing Advance
 Methodology	 	Originator	 	Loan Group	 	Loan Number	 	Amortization Type	 	Lien Position	 	HELOC Indicator	 	Loan Purpose	 	Cash Out Amount
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503281299	 	1	 	1	 	0	 	3	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503293777	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503397233	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503399099	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503408630	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503423103	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503431227	 	1	 	1	 	0	 	3	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503440157	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503465940	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503470981	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503475609	 	1	 	1	 	0	 	3	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503477657	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503481383	 	1	 	1	 	0	 	3	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503481770	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503482824	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503483695	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503486606	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503496904	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503500466	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503502635	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503502640	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503502709	 	1	 	1	 	0	 	3	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503503129	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503504901	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503505554	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503510454	 	1	 	1	 	0	 	3	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503511836	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503514146	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503516842	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503517308	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503518784	 	1	 	1	 	0	 	9	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503519978	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503524416	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503529560	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503539010	 	1	 	1	 	0	 	7	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503540128	 	1	 	1	 	0	 	3	 	 
	1000383	 	0.002500	 	 	 	 	 	1008498	 	 	 	503541463	 	1	 	1	 	0	 	7	 	 
	1000383	  	0.002500	  	 	  	 	  	1008498	  	 	  	503549382	  	1	  	1	  	0	  	7	  	 

 

    	13

    	 

    

 

	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	 	Origination Date of
 Most Senior Lien
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 	 	 	 	 	 	117750.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	400000.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	5	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 	 	 	 	 	 	0.00	 	 
	 	  	 	  	 	  	 	  	5	  	4	  	0	  	 	  	 	  	 	  	0.00	  	 

 

    	14

    	 

    

 

	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	 	Current Interest
 Rate
	20120516	 	614000.00	 	0.046250	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	611619.77	 	0.046250
	20120522	 	715000.00	 	0.045000	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	697052.03	 	0.045000
	20120611	 	1657000.00	 	0.043750	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	1652527.83	 	0.043750
	20120227	 	440000.00	 	0.038750	 	180	 	180	 	20120401	 	1	 	0	 	0	 	 	 	427811.93	 	0.038750
	20120531	 	860000.00	 	0.047500	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	857831.71	 	0.047500
	20120501	 	1400000.00	 	0.046250	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	1394572.77	 	0.046250
	20120301	 	852000.00	 	0.040000	 	180	 	180	 	20120501	 	1	 	0	 	0	 	 	 	833973.97	 	0.040000
	20120410	 	445500.00	 	0.042500	 	180	 	180	 	20120601	 	1	 	0	 	0	 	 	 	438198.52	 	0.042500
	20120509	 	484000.00	 	0.047500	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	482038.70	 	0.047500
	20120523	 	472500.00	 	0.046250	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	470668.31	 	0.046250
	20120629	 	715000.00	 	0.037500	 	180	 	180	 	20120801	 	1	 	0	 	0	 	 	 	709060.21	 	0.037500
	20120522	 	556000.00	 	0.047500	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	553893.09	 	0.047500
	20120606	 	999000.00	 	0.045000	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	996262.37	 	0.045000
	20120503	 	995000.00	 	0.048750	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	991314.78	 	0.048750
	20120507	 	760000.00	 	0.047500	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	756112.13	 	0.047500
	20120511	 	787000.00	 	0.036250	 	180	 	180	 	20120701	 	1	 	0	 	0	 	 	 	773105.26	 	0.036250
	20120522	 	1162500.00	 	0.048750	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	1158194.38	 	0.048750
	20120615	 	614000.00	 	0.042500	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	612001.91	 	0.042500
	20120522	 	705000.00	 	0.041250	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	702009.72	 	0.041250
	20120601	 	663000.00	 	0.048750	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	660544.42	 	0.048750
	20120623	 	883000.00	 	0.045000	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	880670.08	 	0.045000
	20120510	 	1085000.00	 	0.043750	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	1080599.43	 	0.043750
	20120516	 	721000.00	 	0.047500	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	718267.85	 	0.047500
	20120516	 	592000.00	 	0.043750	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	588192.39	 	0.043750
	20120503	 	796000.00	 	0.046250	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	792913.79	 	0.046250
	20120601	 	999000.00	 	0.045000	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	996363.99	 	0.045000
	20120618	 	650000.00	 	0.041250	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	646990.40	 	0.041250
	20120523	 	593600.00	 	0.043750	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	587745.00	 	0.043750
	20120514	 	850000.00	 	0.045000	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	846629.40	 	0.045000
	20120608	 	1139000.00	 	0.045000	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	1135994.58	 	0.045000
	20120607	 	800000.00	 	0.038750	 	180	 	180	 	20120801	 	1	 	0	 	0	 	 	 	793421.02	 	0.038750
	20120522	 	680000.00	 	0.045000	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	677303.53	 	0.045000
	20120525	 	880000.00	 	0.043750	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	876430.89	 	0.043750
	20120517	 	540000.00	 	0.040000	 	360	 	360	 	20120701	 	1	 	0	 	0	 	 	 	537658.09	 	0.040000
	20120601	 	840000.00	 	0.047500	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	837882.14	 	0.047500
	20120614	 	875000.00	 	0.040000	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	872474.24	 	0.040000
	20120618	 	1087500.00	 	0.043750	 	360	 	360	 	20120801	 	1	 	0	 	0	 	 	 	1084564.89	 	0.043750
	20120601	  	680000.00	  	0.047500	  	360	  	360	  	20120801	  	1	  	0	  	0	  	 	  	678107.49	  	0.047500

 

    	15

    	 

    

 

	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)	 	Subsequent Interest
 Rate Reset Period
	3156.82	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3622.80	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	8273.16	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3227.13	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4486.17	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	7197.95	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	6302.14	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3351.40	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2524.77	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2429.31	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5199.64	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2900.36	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5061.79	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5265.62	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3964.52	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5674.56	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	6152.05	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3020.51	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3416.78	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3508.65	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4474.03	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5417.25	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3761.08	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2955.77	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4092.55	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5061.79	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3150.22	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2963.76	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4306.83	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5771.15	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5867.52	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3445.46	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4393.71	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	2578.04	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4381.84	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	4177.38	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	5429.73	 	20120901	 	0	 	0	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	3547.20	  	20120901	  	0	  	0	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 

  

    	16

    	 

    

 

	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
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 

  

    	17

    	 

    

 

	Subsequent
 Minimum Payment
 Reset Period	 	Option ARM
 Indicator	 	Options at Recast	 	Initial Minimum
 Payment	 	Current Minimum
 Payment	 	Prepayment Penalty
 Calculation	 	Prepayment Penalty
 Type	 	Prepayment Penalty
 Total Term	 	Prepayment Penalty
 Hard Term	 	Primary Borrower
 ID	 	Number of
 Mortgaged
 Properties	 	Total Number of
 Borrowers
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	340	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	35	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	144	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	83	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	11	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	257	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	235	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	216	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	346	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	179	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	34	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	297	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	24	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	365	 	3	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	359	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	203	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	88	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	139	 	4	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	48	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	209	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	158	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	299	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	342	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	206	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	290	 	3	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	334	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	80	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	327	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	79	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	353	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	86	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	182	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	289	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	252	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	273	 	2	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	229	 	1	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	81	 	1	 	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	0	  	 	  	246	  	1	  	 

  

    	18

    	 

    

 

	Self-employment
 Flag	 	Current ‘Other’
 Monthly Payment	 	Length of
 Employment:
 Borrower	 	Length of
 Employment: Co-
 Borrower	 	Years in Home	 	FICO Model Used	 	Most Recent
 FICO
 Date	 	Primary Wage
 Earner Original
 FICO: Equifax	 	Primary Wage
 Earner Original
 FICO: Experian	 	Primary Wage
 Earner Original
 FICO: TransUnion	 	Secondary Wage
 Earner Original
 FICO: Equifax	 	Secondary Wage
 Earner Original
 FICO: Experian
	0	 	 	 	10	 	 	 	1.75	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	3	 	21.5	 	0.5	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	10.5	 	9.25	 	1.75	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	1	 	7	 	21	 	1	 	8/3/2012	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	4.5	 	0	 	5.5	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	13	 	28	 	13	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	40	 	38	 	12	 	1	 	8/3/2012	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	0	 	5	 	13	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	0	 	12	 	6	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	6	 	 	 	5	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	3.25	 	0	 	9	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	4	 	6	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	5.25	 	 	 	14	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	7	 	7	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	10	 	0	 	7	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	7.25	 	 	 	7	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	3	 	0.75	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	34	 	 	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	14.25	 	14.25	 	18	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	23	 	0	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	14	 	 	 	8	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	16.75	 	 	 	15.25	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	4	 	 	 	3	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	8	 	 	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	9	 	 	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	15	 	15	 	18	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	13	 	 	 	20	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	14	 	10	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	13	 	15	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	7	 	0	 	8	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	2.5	 	0	 	1	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	1.25	 	0	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	21	 	0	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	11.5	 	0	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	 	 	 	3	 	0	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	1.75	 	0	 	1.25	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	0	 	 	 	16.75	 	 	 	0	 	1	 	 	 	 	 	 	 	 	 	 	 	 
	1	  	 	  	13	  	0	  	0	  	1	  	 	  	 	  	 	  	 	  	 	  	 

  

    	19

    	 

    

 

	Secondary Wage
 Earner Original
 FICO: TransUnion	 	Original
 Primary Borrower
 FICO	 	Most Recent
 Primary Borrower
 FICO	 	Most Recent Co-
 Borrower FICO	 	Most Recent
 FICO
 Method	 	VantageScore:
 Primary Borrower	 	VantageScore: Co-
 Borrower	 	Most Recent
 VantageScore
 Method	 	VantageScore Date	 	Credit Report:
 Longest Trade Line	 	Credit Report:
 Maximum Trade
 Line	 	Credit Report:
 Number of Trade
 Lines
	 	 	702	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	775	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	758	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	784	 	784	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	738	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	735	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	811	 	812	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	794	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	764	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	736	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	771	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	799	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	728	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	808	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	756	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	731	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	800	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	756	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	712	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	792	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	768	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	721	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	801	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	738	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	794	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	780	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	783	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	756	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	804	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	756	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	775	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	805	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	763	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	757	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	745	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	761	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	739	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	  	780	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 

 

    	20

    	 

    

 

	Credit Line Usage
 Ratio	 	Most Recent 12-
 month Pay History	 	Months Bankruptcy	 	Months Foreclosure	 	Primary Borrower
 Wage Income	 	Co-Borrower
 Wage
 Income	 	Primary Borrower
 Other Income	 	Co-Borrower
 Other
 Income	 	All Borrower Wage
 Income	 	All Borrower Total
 Income	 	4506-T Indicator	 	Borrower Income
 Verification Level
	 	 	000000000000	 	 	 	 	 	11821.33	 	 	 	833.33	 	 	 	11821.33	 	12654.66	 	1	 	5
	 	 	000000000000	 	 	 	 	 	20833.34	 	3973.08	 	0.00	 	0.00	 	24806.42	 	24806.42	 	1	 	4
	 	 	000000000000	 	 	 	 	 	31250.00	 	34583.33	 	0.00	 	0.00	 	65833.33	 	65833.33	 	1	 	5
	 	 	000000000000	 	 	 	 	 	7800.00	 	2824.00	 	679.00	 	0.00	 	10624.00	 	11303.00	 	1	 	5
	 	 	000000000000	 	 	 	 	 	11900.00	 	0.00	 	0.00	 	0.00	 	11900.00	 	11900.00	 	1	 	5
	 	 	000000000000	 	 	 	 	 	36135.16	 	3000.00	 	82532.83	 	0.00	 	39135.16	 	121667.99	 	1	 	5
	 	 	000000000000	 	 	 	 	 	29215.00	 	29215.00	 	0.00	 	0.00	 	58430.00	 	58430.00	 	1	 	4
	 	 	000000000000	 	 	 	 	 	6337.75	 	6048.44	 	0.00	 	0.00	 	12386.19	 	12386.19	 	1	 	5
	 	 	000000000000	 	 	 	 	 	19180.44	 	0.00	 	0.00	 	0.00	 	19180.44	 	19180.44	 	1	 	5
	 	 	000000000000	 	 	 	 	 	28455.83	 	 	 	0.00	 	 	 	28455.83	 	28455.83	 	1	 	5
	 	 	000000000000	 	 	 	 	 	2326.80	 	0.00	 	15307.25	 	709.67	 	2326.80	 	18343.72	 	1	 	5
	 	 	000000000000	 	 	 	 	 	9801.92	 	1538.46	 	4006.48	 	8928.58	 	11340.38	 	24275.44	 	1	 	5
	 	 	000000000000	 	 	 	 	 	55949.82	 	 	 	0.00	 	 	 	55949.82	 	55949.82	 	1	 	5
	 	 	000000000000	 	 	 	 	 	10656.54	 	15563.08	 	0.00	 	0.00	 	26219.62	 	26219.62	 	1	 	4
	 	 	000000000000	 	 	 	 	 	8942.96	 	0.00	 	7821.97	 	0.00	 	8942.96	 	16764.93	 	1	 	4
	 	 	000000000000	 	 	 	 	 	15366.00	 	 	 	1485.08	 	 	 	15366.00	 	16851.08	 	1	 	4
	 	 	000000000000	 	 	 	 	 	16250.00	 	5004.55	 	0.00	 	0.00	 	21254.55	 	21254.55	 	1	 	5
	 	 	000000000000	 	 	 	 	 	15782.16	 	 	 	0.00	 	 	 	15782.16	 	15782.16	 	1	 	5
	 	 	000000000000	 	 	 	 	 	10517.16	 	2000.00	 	285.50	 	0.00	 	12517.16	 	12802.66	 	1	 	5
	 	 	000000000000	 	 	 	 	 	58187.33	 	0.00	 	0.00	 	0.00	 	58187.33	 	58187.33	 	1	 	5
	 	 	000000000000	 	 	 	 	 	23677.10	 	 	 	0.00	 	 	 	23677.10	 	23677.10	 	1	 	5
	 	 	000000000000	 	 	 	 	 	17180.67	 	 	 	0.00	 	 	 	17180.67	 	17180.67	 	1	 	5
	 	 	000000000000	 	 	 	 	 	0.00	 	 	 	23036.44	 	 	 	0.00	 	23036.44	 	1	 	5
	 	 	000000000000	 	 	 	 	 	4239.24	 	 	 	33845.63	 	 	 	4239.24	 	38084.87	 	1	 	5
	 	 	000000000000	 	 	 	 	 	27083.34	 	 	 	16177.00	 	 	 	27083.34	 	43260.34	 	1	 	5
	 	 	000000000000	 	 	 	 	 	3145.00	 	0.00	 	17084.00	 	0.00	 	3145.00	 	20229.00	 	1	 	4
	 	 	000000000000	 	 	 	 	 	14906.17	 	 	 	0.00	 	 	 	14906.17	 	14906.17	 	1	 	5
	 	 	000000000000	 	 	 	 	 	20297.21	 	1667.00	 	0.00	 	0.00	 	21964.21	 	21964.21	 	1	 	4
	 	 	000000000000	 	 	 	 	 	4565.59	 	9693.68	 	1333.00	 	0.00	 	14259.27	 	15592.27	 	1	 	5
	 	 	000000000000	 	 	 	 	 	25954.88	 	0.00	 	0.00	 	0.00	 	25954.88	 	25954.88	 	1	 	5
	 	 	000000000000	 	 	 	 	 	29166.67	 	0.00	 	0.00	 	0.00	 	29166.67	 	29166.67	 	1	 	5
	 	 	000000000000	 	 	 	 	 	20292.50	 	0.00	 	0.00	 	0.00	 	20292.50	 	20292.50	 	1	 	5
	 	 	000000000000	 	 	 	 	 	40027.29	 	0.00	 	0.00	 	0.00	 	40027.29	 	40027.29	 	1	 	5
	 	 	000000000000	 	 	 	 	 	23201.03	 	0.00	 	0.00	 	0.00	 	23201.03	 	23201.03	 	1	 	5
	 	 	000000000000	 	 	 	 	 	9816.75	 	0.00	 	41854.41	 	0.00	 	9816.75	 	51671.16	 	1	 	4
	 	 	000000000000	 	 	 	 	 	12499.99	 	0.00	 	0.00	 	0.00	 	12499.99	 	12499.99	 	1	 	5
	 	 	000000000000	 	 	 	 	 	29199.67	 	 	 	0.00	 	 	 	29199.67	 	29199.67	 	1	 	5
	 	  	000000000000	  	 	  	 	  	21890.66	  	0.00	  	0.00	  	0.00	  	21890.66	  	21890.66	  	1	  	4

 

    	21

    	 

    

 

	Co-Borrower
 Income Verification	 	Borrower
 Employment
 Verification	 	Co-Borrower
 Employment
 Verification	 	Borrower Asset
 Verification	 	Co-Borrower Asset
 Verification	 	Liquid / Cash
 Reserves	 	Monthly Debt All
 Borrowers	 	Originator DTI	 	Fully Indexed
 Rate	 	Qualification
 Method	 	Percentage of Down
 Payment from
 Borrower Own
 Funds	 	City
	 	 	3	 	 	 	4	 	 	 	56848.60	 	5588.30	 	0.4416	 	 	 	 	 	 	 	PENRYN
	 	 	3	 	 	 	4	 	 	 	121941.02	 	8521.01	 	0.3435	 	 	 	 	 	 	 	HOUSTON
	 	 	3	 	 	 	4	 	 	 	398608.99	 	12830.92	 	0.1949	 	 	 	 	 	 	 	SANTA MONICA
	 	 	3	 	 	 	4	 	 	 	522531.04	 	3919.95	 	0.3468	 	 	 	 	 	 	 	PERRYVILLE
	 	 	3	 	 	 	4	 	 	 	3000840.39	 	6652.10	 	0.5590	 	 	 	 	 	 	 	NEWTON CENTER
	 	 	3	 	 	 	4	 	 	 	1329735.37	 	17556.69	 	0.1443	 	 	 	 	 	 	 	REDONDO BEACH
	 	 	3	 	 	 	4	 	 	 	250481.88	 	8309.56	 	0.1422	 	 	 	 	 	 	 	HUNTINGTON BEACH
	 	 	3	 	 	 	4	 	 	 	75928.96	 	5210.87	 	0.4207	 	 	 	 	 	 	 	HUNT
	 	 	3	 	 	 	4	 	 	 	122941.52	 	3465.91	 	0.1807	 	 	 	 	 	 	 	SCOTTSDALE
	 	 	3	 	 	 	4	 	 	 	39118.09	 	8041.62	 	0.2826	 	 	 	 	 	 	 	HOUSTON
	 	 	3	 	 	 	4	 	 	 	43453.06	 	7977.57	 	0.4349	 	 	 	 	 	 	 	DENVER
	 	 	3	 	 	 	4	 	 	 	147224.96	 	6872.38	 	0.2831	 	 	 	 	 	100	 	PORTLAND
	 	 	3	 	 	 	4	 	 	 	284211.25	 	10361.91	 	0.1852	 	 	 	 	 	 	 	GREAT RIVER
	 	 	3	 	 	 	4	 	 	 	120886.00	 	11090.90	 	0.4230	 	 	 	 	 	65.3188	 	PASADENA
	 	 	3	 	 	 	4	 	 	 	35610.07	 	7260.89	 	0.4331	 	 	 	 	 	 	 	FULLERTON
	 	 	3	 	 	 	4	 	 	 	1115637.00	 	7240.91	 	0.4297	 	 	 	 	 	 	 	WALNUT
	 	 	3	 	 	 	4	 	 	 	70427.57	 	8827.01	 	0.4153	 	 	 	 	 	100	 	PORTLAND
	 	 	3	 	 	 	4	 	 	 	107945.17	 	7264.53	 	0.4603	 	 	 	 	 	100	 	SCOTTSDALE
	 	 	3	 	 	 	4	 	 	 	485288.88	 	5702.30	 	0.4454	 	 	 	 	 	 	 	LOS ANGELES
	 	 	3	 	 	 	4	 	 	 	506343.48	 	9373.98	 	0.1611	 	 	 	 	 	100	 	BRIGHTON
	 	 	3	 	 	 	4	 	 	 	560307.14	 	8066.79	 	0.3407	 	 	 	 	 	 	 	FRANKLIN
	 	 	3	 	 	 	4	 	 	 	130891.35	 	7315.53	 	0.4258	 	 	 	 	 	 	 	LOS ANGELES
	 	 	3	 	 	 	4	 	 	 	848622.76	 	8207.88	 	0.3563	 	 	 	 	 	 	 	STUDIO CITY
	 	 	3	 	 	 	4	 	 	 	62961.38	 	8843.31	 	0.2322	 	 	 	 	 	100	 	CARROLLTON
	 	 	3	 	 	 	4	 	 	 	170038.90	 	12930.52	 	0.2989	 	 	 	 	 	100	 	PALOS VERDES ESTATES
	 	 	3	 	 	 	4	 	 	 	238811.54	 	8164.42	 	0.4036	 	 	 	 	 	 	 	ARCADIA
	 	 	3	 	 	 	4	 	 	 	839752.00	 	4261.67	 	0.2859	 	 	 	 	 	 	 	PARADISE VALLEY
	 	 	3	 	 	 	4	 	 	 	479063.98	 	5045.18	 	0.2297	 	 	 	 	 	100	 	BEND
	 	 	3	 	 	 	4	 	 	 	412983.03	 	6690.64	 	0.4291	 	 	 	 	 	100	 	NEWPORT BEACH
	 	 	3	 	 	 	4	 	 	 	126988.26	 	8567.71	 	0.3301	 	 	 	 	 	 	 	PALO ALTO
	 	 	3	 	 	 	4	 	 	 	379521.86	 	9345.00	 	0.3204	 	 	 	 	 	 	 	AUSTIN
	 	 	3	 	 	 	4	 	 	 	446683.56	 	4531.32	 	0.2233	 	 	 	 	 	100	 	CRANBERRY TWP
	 	 	3	 	 	 	4	 	 	 	696454.68	 	12940.82	 	0.3233	 	 	 	 	 	100	 	ARCADIA
	 	 	3	 	 	 	4	 	 	 	97964.03	 	6375.64	 	0.2748	 	 	 	 	 	100	 	LEANDER
	 	 	3	 	 	 	4	 	 	 	463306.14	 	8685.92	 	0.1681	 	 	 	 	 	100	 	NEWPORT BEACH
	 	 	3	 	 	 	4	 	 	 	78067.00	 	5328.75	 	0.4263	 	 	 	 	 	 	 	MERCER ISLAND
	 	 	3	 	 	 	4	 	 	 	264726.46	 	11145.51	 	0.3817	 	 	 	 	 	100	 	LOS GATOS
	 	  	3	  	 	  	4	  	 	  	181288.75	  	7420.93	  	0.3390	  	 	  	 	  	100	  	SCOTTSDALE

 

    	22

    	 

    

 

	State	 	Postal Code	 	Property Type	 	Occupancy	 	Sales Price	 	Original Appraised
 Property Value	 	Original Property
 Valuation Type	 	Original Property
 Valuation Date	 	Original Automated
 Valuation Model
 (AVM) Model Name	 	Original AVM
 Confidence Score	 	Most Recent
 Property Value2	 	Most Recent
 Property Valuation
 Type
	CA	 	95663	 	1	 	1	 	 	 	998000.00	 	3	 	20120202	 	 	 	 	 	 	 	 
	TX	 	77059	 	7	 	1	 	 	 	1100000.00	 	3	 	20120508	 	 	 	 	 	 	 	 
	CA	 	90402	 	1	 	1	 	 	 	2700000.00	 	3	 	20120511	 	 	 	 	 	 	 	 
	MD	 	21903	 	1	 	1	 	 	 	550000.00	 	3	 	20120110	 	 	 	 	 	 	 	 
	MA	 	02459	 	1	 	1	 	 	 	1300000.00	 	3	 	20120307	 	 	 	 	 	 	 	 
	CA	 	90277	 	1	 	1	 	 	 	2500000.00	 	3	 	20120215	 	 	 	 	 	 	 	 
	CA	 	92648	 	7	 	1	 	 	 	1500000.00	 	3	 	20120207	 	 	 	 	 	 	 	 
	TX	 	78024	 	7	 	1	 	 	 	770000.00	 	3	 	20120223	 	 	 	 	 	 	 	 
	AZ	 	85258	 	7	 	1	 	 	 	675000.00	 	3	 	20120228	 	 	 	 	 	 	 	 
	TX	 	77055	 	7	 	1	 	 	 	630000.00	 	3	 	20120413	 	 	 	 	 	 	 	 
	CO	 	80220	 	1	 	1	 	 	 	1100000.00	 	3	 	20120315	 	 	 	 	 	 	 	 
	OR	 	97229	 	7	 	1	 	695000.00	 	700000.00	 	3	 	20120423	 	 	 	 	 	 	 	 
	NY	 	11739	 	1	 	1	 	 	 	2186000.00	 	3	 	20120425	 	 	 	 	 	 	 	 
	CA	 	91103	 	1	 	1	 	1250000.00	 	1250000.00	 	3	 	20120321	 	 	 	 	 	 	 	 
	CA	 	92835	 	1	 	1	 	 	 	1040000.00	 	3	 	20120319	 	 	 	 	 	 	 	 
	CA	 	91789	 	1	 	1	 	 	 	1400000.00	 	3	 	20120502	 	 	 	 	 	 	 	 
	OR	 	97210	 	1	 	1	 	1550000.00	 	1550000.00	 	3	 	20120511	 	 	 	 	 	 	 	 
	AZ	 	85255	 	7	 	1	 	830000.00	 	950000.00	 	3	 	20120531	 	 	 	 	 	 	 	 
	CA	 	90048	 	1	 	1	 	 	 	1175000.00	 	3	 	20120404	 	 	 	 	 	 	 	 
	MI	 	48114	 	1	 	1	 	885000.00	 	933000.00	 	3	 	20120420	 	 	 	 	 	 	 	 
	MI	 	48025	 	1	 	1	 	 	 	1200000.00	 	3	 	20120510	 	 	 	 	 	 	 	 
	CA	 	90024	 	1	 	1	 	 	 	2800000.00	 	3	 	20120503	 	 	 	 	 	 	 	 
	CA	 	91604	 	1	 	1	 	 	 	1670000.00	 	3	 	20120421	 	 	 	 	 	 	 	 
	TX	 	75010	 	7	 	1	 	740000.00	 	740000.00	 	3	 	20120413	 	 	 	 	 	 	 	 
	CA	 	90274	 	1	 	1	 	995000.00	 	995000.00	 	3	 	20120411	 	 	 	 	 	 	 	 
	CA	 	91007	 	1	 	1	 	 	 	1740000.00	 	3	 	20120516	 	 	 	 	 	 	 	 
	AZ	 	85253	 	1	 	1	 	 	 	1120000.00	 	3	 	20120516	 	 	 	 	 	 	 	 
	OR	 	97701	 	7	 	1	 	742000.00	 	810000.00	 	3	 	20120418	 	 	 	 	 	 	 	 
	CA	 	92660	 	7	 	1	 	1400000.00	 	1400000.00	 	3	 	20120419	 	 	 	 	 	 	 	 
	CA	 	94301	 	1	 	1	 	 	 	2000000.00	 	3	 	20120515	 	 	 	 	 	 	 	 
	TX	 	78746	 	1	 	1	 	 	 	1011000.00	 	3	 	20120427	 	 	 	 	 	 	 	 
	PA	 	16066	 	7	 	1	 	850000.00	 	855000.00	 	3	 	20120424	 	 	 	 	 	 	 	 
	CA	 	91006	 	1	 	1	 	1760000.00	 	1800000.00	 	3	 	20120502	 	 	 	 	 	 	 	 
	TX	 	78641	 	1	 	1	 	925000.00	 	940000.00	 	3	 	20120507	 	 	 	 	 	 	 	 
	CA	 	92660	 	1	 	1	 	1050000.00	 	1050000.00	 	3	 	20120514	 	 	 	 	 	 	 	 
	WA	 	98040	 	1	 	1	 	 	 	1580000.00	 	3	 	20120514	 	 	 	 	 	 	 	 
	CA	 	95030	 	1	 	1	 	1520000.00	 	1450000.00	 	3	 	20120607	 	 	 	 	 	 	 	 
	AZ	  	85259	  	7	  	1	  	865000.00	  	850000.00	  	3	  	20120517	  	 	  	 	  	 	  	 

  

    	23

    	 

    

 

	Most Recent
 Property Valuation
 Date	 	Most Recent
 AVM
 Model Name	 	Most Recent AVM
 Confidence Score	 	Original CLTV	 	Original LTV	 	Original Pledged
 Assets	 	Mortgage
 Insurance
 Company Name	 	Mortgage
 Insurance
 Percent	 	MI: Lender or
 Borrower Paid?	 	Pool Insurance Co.
 Name	 	Pool Insurance
 Stop
 Loss %	 	MI Certificate
 Number
	 	 	 	 	 	 	0.6152	 	0.6152	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.6500	 	0.6500	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.6137	 	0.6137	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7521	 	0.6615	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5600	 	0.5600	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5680	 	0.5680	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5785	 	0.5785	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7170	 	0.7170	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.6500	 	0.6500	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.4569	 	0.4569	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7960	 	0.7960	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7307	 	0.7307	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5621	 	0.5621	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7397	 	0.7397	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.6000	 	0.6000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7491	 	0.7491	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7358	 	0.7358	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.3875	 	0.3875	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.6712	 	0.4317	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5741	 	0.5741	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5803	 	0.5803	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.6071	 	0.6071	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5695	 	0.5695	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7912	 	0.7912	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5000	 	0.5000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5837	 	0.5837	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.5537	 	0.5537	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0	 	 	 	 	 	 	 	 
	 	  	 	  	 	  	0.8000	  	0.8000	  	0	  	0	  	0	  	 	  	 	  	 	  	 

  

    	24

    	 

    

 

	Updated DTI
 (Front-end)	 	Updated DTI
 (Back-end)	 	Modification
 Effective Payment
 Date	 	Total Capitalized
 Amount	 	Total Deferred
 Amount	 	Pre-Modification
 Interest (Note) Rate	 	Pre-Modification P&I
 Payment	 	Pre-Modification
 Initial Interest Rate
 Change Downward
 Cap	 	Pre-Modification
 Subsequent Interest
 Rate Cap	 	Pre-Modification
 Next Interest Rate
 Change Date	 	Pre-Modification I/O
 Term	 	Forgiven Principal
 Amount
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 	  	 

  

    	25

    	 

    

 

	Forgiven Interest
 Amount	 	Number of
 Modifications	 	Cash To/From
 Brrw at Closing	 	Brrw - Yrs at in
 Industry	 	CoBrrw - Yrs at in
 Industry	 	Junior Mortgage
 Drawn Amount	 	Maturity Date	 	Primary Borrower
 Wage Income
 (Salary)	 	Primary Borrower
 Wage Income
 (Bonus)	 	Primary Borrower
 Wage Income
 (Commission)	 	Co-Borrower
 Wage Income
 (Salary)	 	Co-Borrower
 Wage Income
 (Bonus)
	 	 	 	 	 	 	10	 	 	 	0.00	 	20420601	 	11821.33	 	833.33	 	0.00	 	 	 	 
	 	 	 	 	 	 	10	 	22	 	0.00	 	20420601	 	20833.34	 	0.00	 	0.00	 	3973.08	 	0.00
	 	 	 	 	 	 	25	 	17	 	0.00	 	20420701	 	31250.00	 	0.00	 	0.00	 	34583.33	 	0.00
	 	 	 	 	 	 	20	 	20	 	0.00	 	20270301	 	7800.00	 	0.00	 	0.00	 	2824.00	 	0.00
	 	 	 	 	 	 	20	 	0	 	107138.00	 	20420701	 	11900.00	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	28	 	28	 	0.00	 	20420601	 	36135.16	 	0.00	 	0.00	 	3000.00	 	0.00
	 	 	 	 	 	 	43	 	38	 	0.00	 	20270401	 	29215.00	 	0.00	 	0.00	 	29215.00	 	0.00
	 	 	 	 	 	 	0	 	5	 	0.00	 	20270501	 	6337.75	 	0.00	 	0.00	 	6048.44	 	0.00
	 	 	 	 	 	 	0	 	12	 	0.00	 	20420601	 	19180.44	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	27	 	 	 	0.00	 	20420601	 	28455.83	 	0.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	3.25	 	0	 	0.00	 	20270701	 	2326.80	 	0.00	 	0.00	 	709.67	 	0.00
	 	 	 	 	 	 	10	 	10	 	0.00	 	20420601	 	9801.92	 	4006.48	 	0.00	 	1538.46	 	0.00
	 	 	 	 	 	 	10	 	 	 	0.00	 	20420701	 	55949.82	 	0.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	10	 	10	 	0.00	 	20420601	 	10656.54	 	0.00	 	0.00	 	15563.08	 	0.00
	 	 	 	 	 	 	10	 	0	 	0.00	 	20420601	 	8942.96	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	32	 	 	 	0.00	 	20270601	 	15366.00	 	0.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	8	 	6	 	0.00	 	20420601	 	16250.00	 	0.00	 	0.00	 	5004.55	 	0.00
	 	 	 	 	 	 	34	 	 	 	0.00	 	20420701	 	15782.16	 	0.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	20	 	16	 	0.00	 	20420601	 	10517.16	 	0.00	 	0.00	 	2000.00	 	0.00
	 	 	 	 	 	 	23	 	0	 	0.00	 	20420601	 	58187.33	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	14	 	 	 	0.00	 	20420701	 	23677.10	 	0.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	22	 	 	 	0.00	 	20420601	 	17180.67	 	0.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	18	 	 	 	0.00	 	20420601	 	0.00	 	0.00	 	23036.44	 	 	 	 
	 	 	 	 	 	 	8	 	 	 	0.00	 	20420601	 	4239.24	 	0.00	 	33845.63	 	 	 	 
	 	 	 	 	 	 	20	 	 	 	0.00	 	20420601	 	27083.34	 	16177.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	20	 	20	 	0.00	 	20420701	 	3145.00	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	21	 	 	 	0.00	 	20420701	 	14906.17	 	0.00	 	0.00	 	 	 	 
	 	 	 	 	 	 	14	 	10	 	0.00	 	20420601	 	20297.21	 	0.00	 	0.00	 	1667.00	 	0.00
	 	 	 	 	 	 	13	 	30	 	0.00	 	20420601	 	4565.59	 	0.00	 	0.00	 	9693.68	 	0.00
	 	 	 	 	 	 	7	 	0	 	0.00	 	20420701	 	25954.88	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	7	 	0	 	0.00	 	20270701	 	29166.67	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	20	 	0	 	0.00	 	20420601	 	20292.50	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	21	 	0	 	0.00	 	20420601	 	40027.29	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	11.5	 	0	 	0.00	 	20420601	 	23201.03	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	16	 	0	 	0.00	 	20420701	 	9816.75	 	0.00	 	41854.41	 	0.00	 	0.00
	 	 	 	 	 	 	15	 	0	 	0.00	 	20420701	 	12499.99	 	0.00	 	0.00	 	0.00	 	0.00
	 	 	 	 	 	 	17	 	 	 	0.00	 	20420701	 	29199.67	 	0.00	 	0.00	 	 	 	 
	 	  	 	  	 	  	34	  	0	  	0.00	  	20420701	  	21890.66	  	0.00	  	0.00	  	0.00	  	0.00

  

    	26

    	 

    

 

	Co-Borrower Wage
 Income (Commission)	 	Originator Doc
 Code	 	RWT Income
 Verification	 	RWT Asset
 Verification
	 	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	0.00	 	Full	 	Two Years	 	Two Months
	 	 	Full	 	Two Years	 	Two Months
	0.00	  	Full	  	Two Years	  	Two Months

  

    	27

    	 

    

 

	MERSID	 	Organization
	1008498	 	Flagstar Bank, F.S.B.
	1000383	  	RRAC/Cenlar

  

    	28

    	 

    

 

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	Cash Out Amount:   [New Loan] – [PIF Prior First Lien] – [Payoff of all Seasoned Seconds] – [Closing Costs] – [Prepays]
 
 For delayed purchases (refinances on homes purchased < 12 months prior to the mortgage application) with cash)  Cash Out Amount = 0.	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.  The value is then truncated to four decimal places.	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.  The value is then truncated to four decimal places.	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	 	 
	158	Cash To/From Brrw at Closing	Indicates the amount of cash the borrower(s) paid into or received at closing. 
 
 [HUD-1 Bottom Line] + [Earnest money] + [Paid Outside Closing Items]	 	Numeric – Decimal	100000.01	9(10).99	 	 	 	 
	159	Brrw - Yrs at in Industry	Number of years the primary borrower has been working in their current industry	 	Numeric – Decimal	9.9	9.999999	 	 	 	 
	160	CoBrrw - Yrs at in Industry	Number of years the co-borrower has been working in their current industry	 	Numeric – Decimal	8	9.999999	 	 	 	 
	161	Junior Mortgage Drawn Amount	Applicable if the subject loan is a first mortgage.   At the time of origination for the subject loan, the sum of the outstanding balance(s) for any junior mortgages (HELOCs and closed-end).	 	Numeric – Decimal	100000.01	9(10).99	 	 	 	 
	162	Maturity Date	Maturity date of mortgage	 	Date	20420501	YYYYMMDD	 	 	 	 
	163	Primary Borrower Wage Income (Salary)	The primary borrower's salary wage income	 	Numeric – Decimal	10000.44	9(10).99	 	 	 	 
	164	Primary Borrower Wage Income (Bonus)	The primary borrower's bonus wage income	 	Numeric – Decimal	10000.44	9(10).99	 	 	 	 
	165	Primary Borrower Wage Income (Commission)	The primary borrower's commission wage income	 	Numeric – Decimal	10000.44	9(10).99	 	 	 	 
	166	Co-Borrower Wage Income (Salary)	The coborrower's salary wage income	 	Numeric – Decimal	10000.44	9(10).99	 	 	 	 
	167	Co-Borrower Wage Income (Bonus)	The coborrower's bonus wage income	 	Numeric – Decimal	10000.44	9(10).99	 	 	 	 
	168	Co-Borrower Wage Income (Commission)	The coborrower's commission wage income	 	Numeric – Decimal	10000.44	9(10).99	 	 	 	 
	169	Originator Doc Code	Documentation Code value as presented by the seller.	 	Text	Full	XXXX	 	 	 	 
	170	RWT Income Verification	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower asset verification	 	Text	2 Years	XXXX	 	 	 	 
	171	RWT Asset Verification	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating the level of primary borrower Income verification	 	Text	2 Months	XXXX	 	 	 	 
	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	 

  

    	29

    	 

    
 

ATTACHMENT 2

 

PURCHASE AGREEMENT

 

Refer to Exhibit 10.15 to Form 8-K
filed by the Issuing Entity on September 24, 2012EXHIBIT 10.8 

 

EXECUTION COPY

 

ASSIGNMENT OF REPRESENTATIONS AND WARRANTIES
AGREEMENT

 

This is an Assignment
of Representations and Warranties Agreement (the “Agreement”) made as of the 21st day of September, 2012, among Redwood
Residential Acquisition Corporation, a Delaware corporation (“Assignor”), Sequoia Residential Funding, Inc., a Delaware
corporation (“Depositor”), Christiana Trust, a division of Wilmington Savings Fund Society, FSB, a federal savings
bank, not in its individual capacity but solely as trustee (in such capacity, the “Trustee” or the “Assignee”)
under a Pooling and Servicing Agreement dated as of September 1, 2012, among the Depositor, Wells Fargo Bank, N.A., as master servicer
and securities administrator, and the Trustee (the “Pooling and Servicing Agreement”), and United Shore Financial Services,
LLC, a Michigan limited liability company (“Shore”).

 

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

 

Assignment 

 

1.          Assignor
hereby grants, transfers and assigns to Depositor all of its right, title and interest in, to and under the representations and
warranties made by Shore pursuant to Subsection 7.01 and Subsection 7.02 of the Purchase Agreement to the extent relating to the
Mortgage Loans, and Depositor hereby accepts such assignment from Assignor.

 

2.          Depositor
hereby grants, transfers and assigns to Assignee all of its right, title and interest in, to and under the representations and
warranties made by Shore pursuant to Subsection 7.01 and Subsection 7.02 of the Purchase Agreement to the extent relating to the
Mortgage Loans, Depositor is released from all obligations under the Purchase Agreement, and Assignee hereby accepts such assignment
from Depositor.

 

3.          Shore
hereby acknowledges the foregoing assignments.

 

    	 

    	 

    

 

Representations and Warranties

 

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

 

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

 

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

 

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

 

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

 

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

 

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

 

    	2

    	 

    

 

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

 

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

 

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

 

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

 

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

 

(a)          Assignee
is a federal savings bank duly organized, validly existing and in good standing under the laws of the jurisdiction of its organization;
and

 

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

 

    	3

    	 

    

 

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

 

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

 

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

 

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

 

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

 

Restated Shore Representations and Warranties

 

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

 

    	4

    	 

    

 

In the event of a breach
of any representations and warranties referred to in clauses (a) or (b) above as of the related Closing Date or the date hereof,
as the case may be, Assignee shall be entitled to all the remedies under Subsection 7.03 and Subsection 12.01 of the Purchase Agreement,
including, without limitation, the right to compel Shore to repurchase Mortgage Loans pursuant to Section 7.03 of the Purchase
Agreement, subject to the provisions of Section 10 of this Agreement.

 

Recognition of Assignee

 

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

 

Enforcement of Rights 

 

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

 

Purchase
Agreement:

 

	Section or Subsection	 	Matter
	 	 	 
	7.03, other than 7.03(c)	 	
        Repurchase and
Substitution 

 

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

 

    	5

    	 

    
 

Amendments to Purchase Agreement

 

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

  

(a)          Definitions.

 

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

 

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

 

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

 

(b)          The
following sentence shall be added as the new third sentence of Subsection 7.03(a):

 

Each determination as to whether
there has been such a breach shall be conducted on a Mortgage Loan-by-Mortgage Loan basis.

 

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

 

Miscellaneous

 

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

 

(a)          In
the case of Shore,

 

United Shore Financial
Services, LLC

555 S. Adams Road

Birmingham, Michigan
48009

Attention: Chief Executive
Officer

 

    	6

    	 

    

 

Phone: (248) 833-0459

Facsimile: (248) 554-6049

 

with a copy to

 

General Counsel at the
same address

 

(b)          In
the case of Assignee,

 

Christiana Trust, a division
of Wilmington Savings Fund Society, FSB

500 Delaware Avenue,
11th Floor

Wilmington, Delaware,
19801

Attention: Corporate
Trust

 

(c)          In
the case of Depositor,

 

Sequoia Residential Funding,
Inc.

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(d)          In
the case of Assignor,

 

Redwood Residential Acquisition
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

(e)          In
the case of Master Servicer,

 

Wells Fargo Bank, N.A.

9062 Old Annapolis Road

Columbia, Maryland 21045)

Telephone number: (410)
884-2000

Facsimile number: (410)
715-2380

Attention: Client Manager
— Sequoia Mortgage Trust 2012-4

 

    	7

    	 

    

 

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

 

Sequoia Mortgage Funding
Corporation

One Belvedere Place,
Suite 360

Mill Valley, California
94941

Attention: William Moliski

 

with a copy to

 

General Counsel at the
same address

 

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

 

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

 

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

 

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

 

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

 

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

 

    	8

    	 

    

 

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

 

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

 

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

 

Wells Fargo Bank, N.A.

San Francisco, California

ABA# 121-000-248

Account #3970771416

Account Name: SAS Clearing

FFC: Account #48174300, Sequoia
Mortgage Trust 2012-4 Distribution Account

 

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

 

    	9

    	 

    

 

22.         Rule
17g-5 Compliance. Shore hereby agrees that it shall provide any information with respect to the Mortgage Loans or the origination
thereof that it is reasonably requested to provide to any Rating Agency or nationally recognized statistical rating organization
(“NRSRO”) via electronic mail at rmbs17g5informationprovider@wellsfargo.com, with a subject reference of “SEMT
2012-4” and an identification of the type of information being provided in the body of such electronic mail. The Securities
Administrator, as the initial Rule 17g-5 Information Provider (the “Rule 17g-5 Information Provider”) shall notify
Shore in writing of any change in the identity or contact information of the Rule 17g-5 Information Provider. Shore shall have
no liability for (i) the Rule 17g-5 Information Provider’s failure to post information provided by it in accordance with
the terms of this Agreement or (ii) any malfunction or disabling of the website maintained by the Rule 17g-5 Information Provider.
None of the foregoing restrictions in this Section 22 prohibit or restrict oral or written communications, or providing information,
between Shore, 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 Shore or (ii) such Rating Agency’s or NRSRO’s evaluation of Shore’s
operations in general; provided, however, that Shore shall not provide any information relating to the Mortgage Loans to such Rating
Agency or NRSRO in connection with such review and evaluation by such Rating Agency or NRSRO unless: (x) borrower, property or
deal specific identifiers are redacted; or (y) such information has already been provided to the Rule 17g-5 Information Provider.

 

    	10

    	 

    

 

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

 

	 	REDWOOD RESIDENTIAL ACQUISITION
 CORPORATION
	 	Assignor
	 	 	 
	 	By:	/s/ John Isbrandtsen
	 	Name:	John Isbrandtsen 
	 	Title:	Authorized Officer
	 	 	 
	 	SEQUOIA RESIDENTIAL FUNDING, INC.
	 	Depositor
	 	 	 
	 	By:	/s/ John Isbrandtsen 
	 	Name:	John Isbrandtsen  
	 	Title:	Authorized Officer 
	 	 	 
	 	
        Christiana Trust, a
        division of

        Wilmington Savings Fund Society, FSB,

        not in its individual capacity but solely as Trustee,

        

	 	Assignee
	 	 	 
	 	By:	/s/ Jeffrey R. Everhart
	 	Name:	Jeffrey R. Everhart 
	 	Title:	AVP
	 	 	 
	 	United Shore Financial Services, LLC
	 	 	 
	 	By:	/s/ Kip Kirkpatrick
	 	Name:	Kip Kirkpatrick 
	 	Title:	CEO

 

	Accepted and agreed to by:	 
	 	 
	WELLS FARGO BANK, N.A.	 
	Master Servicer	 
	 	 	 
	By:	/s/ Graham M. Oglesby	 
	Name:	Graham M. Oglesby 	 
	Title:	Vice President	 

 

Signature
Page – Assignment of Representations and Warranties – United Shore Financial (SEMT 2012-4)

 

    	 

    	 

    

 

ATTACHMENT 1

 

MORTGAGE LOAN SCHEDULE

 

 

	Primary

Servicer	 	Servicing Fee %	 	
        Servicing

Fee—Flatdollar
	 	
        Servicing Advance

        Methodology
	 	Originator	 	Loan Group	 	Loan Number	 	Amortization

Type	 	Lien Position	 	
        HELOC

        Indicator

	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1311122076	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1312121374	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1312121460	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1312122038	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1312122086	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351205608	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351206300	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351207180	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351207433	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351209543	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351210452	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351210837	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351211426	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351211705	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351211907	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351211933	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351213354	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351213992	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351214232	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351214874	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351215171	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351215263	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351215541	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351215628	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351218206	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351218527	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351221600	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351222604	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1451211951	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1451216800	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1612451068	 	1	 	1	 	0
	1000383	 	0.002500	 	 	 	 	 	1000324	 	 	 	1351223389	 	1	 	1	 	0

 

    	 

    	 

    

 

	Loan Purpose	 	
        Cash Out

        Amount
	 	
        Total Origination

        and Discount

        Points
	 	
        Covered/High

        Cost Loan

        Indicator
	 	
        Relocation Loan

        Indicator
	 	
        Broker

        Indicator
	 	Channel	 	
        Escrow

        Indicator
	 	
        Senior Loan

        Amount(s)
	 	
        Loan Type of

 Most

        Senior Lien

	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 
	6	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	5	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	4	 	0	 	 
	9	 	 	 	 	 	 	 	 	 	 	 	1	 	0	 	0	 	 
	7	 	 	 	 	 	 	 	 	 	 	 	2	 	4	 	0	 	 

 

    	 

    	 

    

 

	
        Hybrid Period of

        Most Senior Lien

(in

        months)
	 	
        Neg Am Limit of

        Most Senior Lien
	 	
        Junior Mortgage

        Balance
	 	
        Origination Date of

        Most Senior Lien
	 	Origination Date	 	
        Original Loan

        Amount
	 	
        Original

        Interest

        Rate
	 	
        Original

        Amortization

Term
	 	
        Original Term

 to

        Maturity
	 	First Payment 

Date
 of Loan
	 	 	 	 	0.00	 	 	 	20120217	 	800000.00	 	0.047500	 	360	 	360	 	20120401
	 	 	 	 	0.00	 	 	 	20120529	 	766500.00	 	0.040000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120531	 	773000.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120620	 	506500.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120703	 	490720.00	 	0.041250	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120316	 	840000.00	 	0.037500	 	180	 	180	 	20120501
	 	 	 	 	0.00	 	 	 	20120330	 	727000.00	 	0.041250	 	180	 	180	 	20120601
	 	 	 	 	0.00	 	 	 	20120525	 	688000.00	 	0.047500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120516	 	530000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120618	 	781600.00	 	0.042500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120606	 	532500.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120521	 	594000.00	 	0.042500	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120510	 	895000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	75000.00	 	 	 	20120521	 	501000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120605	 	640000.00	 	0.047500	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120621	 	737000.00	 	0.041250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120529	 	648000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120718	 	796850.00	 	0.043750	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120523	 	700000.00	 	0.041250	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120517	 	949900.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120611	 	493600.00	 	0.046250	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120607	 	597100.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120529	 	1327000.00	 	0.045000	 	360	 	360	 	20120701
	 	 	 	 	0.00	 	 	 	20120622	 	925000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120625	 	920000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120702	 	608000.00	 	0.041250	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120723	 	696000.00	 	0.043750	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120712	 	642400.00	 	0.045000	 	360	 	360	 	20120901
	 	 	 	 	0.00	 	 	 	20120622	 	574000.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120606	 	538500.00	 	0.045000	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120607	 	941000.00	 	0.043750	 	360	 	360	 	20120801
	 	 	 	 	0.00	 	 	 	20120712	 	517440.00	 	0.042500	 	360	 	360	 	20120901

 

    	 

    	 

    

 

	Interest Type
 Indicator	 	Original Interest
 Only Term	 	Buy Down Period	 	HELOC Draw 

Period	 	Current Loan

    Amount	 	Current

 Interest
 Rate	 	Current 

Payment
 Amount Due	 	Interest Paid
 Through Date	 	Current 

Payment
 Status	 	Index Type
	1	 	0	 	0	 	 	 	793900.84	 	0.047500	 	4173.18	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	764287.54	 	0.040000	 	3659.39	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	771047.21	 	0.047500	 	4032.33	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	505101.88	 	0.042500	 	2491.68	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	490028.58	 	0.041250	 	2378.27	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	821251.11	 	0.037500	 	6108.67	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	715243.04	 	0.041250	 	5423.18	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	685392.90	 	0.047500	 	3588.93	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	527898.34	 	0.045000	 	2685.43	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	779442.51	 	0.042500	 	3845.00	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	529986.19	 	0.045000	 	2698.10	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	591389.54	 	0.042500	 	2922.12	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	891450.97	 	0.045000	 	4534.83	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	498951.38	 	0.045000	 	2538.49	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	638386.40	 	0.047500	 	3338.54	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	734919.57	 	0.041250	 	3571.87	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	645430.42	 	0.045000	 	3283.32	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	795776.63	 	0.043750	 	3978.55	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	697030.92	 	0.041250	 	3392.55	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	946133.27	 	0.045000	 	4813.00	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	492326.80	 	0.046250	 	2537.79	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	595372.63	 	0.045000	 	3025.42	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	1321737.93	 	0.045000	 	6723.71	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	922503.47	 	0.043750	 	4618.39	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	917516.97	 	0.043750	 	4593.42	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	607143.33	 	0.041250	 	2946.67	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	695062.47	 	0.043750	 	3475.03	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	641554.05	 	0.045000	 	3254.95	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	572485.42	 	0.045000	 	2908.37	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	537079.09	 	0.045000	 	2728.50	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	938460.30	 	0.043750	 	4698.27	 	20120901	 	0	 	0
	1	 	0	 	0	 	 	 	516727.11	 	0.042500	 	2545.49	 	20120901	 	0	 	0

 

    	 

    	 

    

 

	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)	 	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	 	Option ARM
 Indicator	 	Options at

 Recast	 	Initial Minimum
 Payment	 	Current

 Minimum
 Payment	 	Prepayment

 Penalty
 Calculation	 	Prepayment

 Penalty
 Type	 	Prepayment

 Penalty
 Total Term	 	Prepayment 

Penalty
 Hard Term	 	Primary

 Borrower ID
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	295
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	156
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	307
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	157
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	119
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	45
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	200
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	52
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	68
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	166
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	113
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	42
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	255
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	69
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	193
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	317
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	164
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	152
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	112
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	352
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	4
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	23
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	106
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	272
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	335
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	105
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	154
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	250
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	331
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	173
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	162
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	0	 	 	 	49

 

    	 

    	 

    

 

	Number of
 Mortgaged
 Properties	 	Total Number of
 Borrowers	 	Self-employment
 Flag	 	Current ‘Other’
 Monthly

 Payment	 	Length of
 Employment:
 Borrower	 	Length of

    Employment: Co-
 Borrower	 	Years in Home	 	FICO Model Used	 	Most Recent

 FICO
 Date	 	Primary Wage
 Earner 

Original
 FICO: Equifax
	2	 	 	 	0	 	 	 	4	 	6	 	4	 	1	 	8/3/2012	 	 
	2	 	 	 	1	 	 	 	25	 	0	 	16	 	1	 	 	 	 
	4	 	 	 	0	 	 	 	5	 	17	 	4	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	12	 	 	 	8	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	3.75	 	13.5	 	12.5	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	2	 	1	 	3	 	1	 	8/3/2012	 	 
	2	 	 	 	1	 	 	 	22	 	9	 	3	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	5.25	 	0.25	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	35	 	 	 	15	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	1	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	1.5	 	 	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	20	 	0	 	8	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	3	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	4.5	 	0	 	7	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	6	 	5	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	0	 	2	 	7	 	1	 	 	 	 
	3	 	 	 	0	 	 	 	19	 	16	 	2	 	1	 	 	 	 
	4	 	 	 	1	 	 	 	21.5	 	2	 	0	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	20	 	 	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	11	 	5	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	14	 	 	 	5	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	4	 	0	 	0	 	1	 	 	 	 
	1	 	 	 	1	 	 	 	6	 	0	 	0	 	1	 	 	 	 
	3	 	 	 	1	 	 	 	29	 	 	 	25	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	19	 	 	 	5	 	1	 	 	 	 
	3	 	 	 	1	 	 	 	6	 	7	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	18	 	 	 	0	 	1	 	 	 	 
	2	 	 	 	1	 	 	 	21.25	 	16	 	0	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	5	 	2	 	6	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	8	 	5	 	9	 	1	 	 	 	 
	1	 	 	 	0	 	 	 	29	 	 	 	16	 	1	 	 	 	 
	2	 	 	 	0	 	 	 	15	 	 	 	0	 	1	 	 	 	 

 

    	 

    	 

    

 

	Primary Wage
 Earner Original
 FICO: Experian	 	Primary Wage
 Earner Original
 FICO: TransUnion	 	Secondary Wage
 Earner Original
 FICO: Equifax	 	Secondary Wage
 Earner Original
 FICO: Experian	 	Secondary Wage
 Earner Original
 FICO: TransUnion	 	Original
 Primary

 Borrower
 FICO	 	Most Recent
 Primary 

Borrower
 FICO	 	Most Recent Co-
 Borrower FICO	 	Most Recent

 FICO
 Method	 	VantageScore:
 Primary Borrower
	 	 	 	 	 	 	 	 	 	 	801	 	754	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	769	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	760	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	725	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	808	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	795	 	798	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	808	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	764	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	767	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	761	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	788	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	787	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	778	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	768	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	775	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	755	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	781	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	767	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	774	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	798	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	766	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	761	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	784	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	779	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	723	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	782	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	790	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	765	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	783	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	788	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	738	 	 	 	 	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	791	 	 	 	 	 	 	 	 

 

    	 

    	 

    

 

	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	 	Months

 Foreclosure
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	000000000000	 	 	 	 

 

    	 

    	 

    

 

	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
	16666.66	 	3837.83	 	-2533.70	 	0.00	 	20504.49	 	17970.79	 	1	 	5	 	 	 	3
	32232.00	 	0.00	 	0.00	 	0.00	 	32232.00	 	32232.00	 	1	 	5	 	 	 	3
	17624.53	 	6025.00	 	0.00	 	0.00	 	23649.53	 	23649.53	 	1	 	5	 	 	 	3
	15215.45	 	 	 	0.00	 	 	 	15215.45	 	15215.45	 	1	 	5	 	 	 	3
	6039.33	 	5065.74	 	3422.86	 	0.00	 	11105.07	 	14527.93	 	1	 	5	 	 	 	3
	39131.34	 	0.00	 	0.00	 	0.00	 	39131.34	 	39131.34	 	1	 	5	 	 	 	3
	23731.46	 	15577.10	 	-8923.72	 	0.00	 	39308.56	 	30384.84	 	1	 	5	 	 	 	3
	10850.00	 	9166.65	 	0.00	 	0.00	 	20016.65	 	20016.65	 	1	 	5	 	 	 	3
	7130.50	 	 	 	439.42	 	 	 	7130.50	 	7569.92	 	1	 	5	 	 	 	3
	22083.34	 	 	 	5860.05	 	 	 	22083.34	 	27943.39	 	1	 	5	 	 	 	3
	21000.00	 	 	 	0.00	 	 	 	21000.00	 	21000.00	 	1	 	5	 	 	 	3
	16111.42	 	0.00	 	0.00	 	0.00	 	16111.42	 	16111.42	 	1	 	4	 	 	 	3
	104633.75	 	0.00	 	0.00	 	0.00	 	104633.75	 	104633.75	 	1	 	4	 	 	 	3
	19048.30	 	0.00	 	0.00	 	0.00	 	19048.30	 	19048.30	 	1	 	5	 	 	 	3
	15548.41	 	0.00	 	0.00	 	0.00	 	15548.41	 	15548.41	 	1	 	5	 	 	 	3
	8782.25	 	4145.29	 	1199.75	 	0.00	 	12927.54	 	14127.29	 	1	 	5	 	 	 	3
	10462.20	 	6856.88	 	1251.50	 	0.00	 	17319.08	 	18570.58	 	1	 	5	 	 	 	3
	72910.92	 	0.00	 	0.00	 	0.00	 	72910.92	 	72910.92	 	1	 	5	 	 	 	3
	34783.12	 	 	 	0.00	 	 	 	34783.12	 	34783.12	 	1	 	5	 	 	 	3
	188439.22	 	0.00	 	0.00	 	0.00	 	188439.22	 	188439.22	 	1	 	5	 	 	 	3
	13665.51	 	 	 	0.00	 	 	 	13665.51	 	13665.51	 	1	 	5	 	 	 	3
	0.00	 	0.00	 	22712.09	 	0.00	 	0.00	 	22712.09	 	1	 	5	 	 	 	3
	23938.09	 	0.00	 	0.00	 	0.00	 	23938.09	 	23938.09	 	1	 	5	 	 	 	3
	25327.69	 	 	 	0.00	 	 	 	25327.69	 	25327.69	 	1	 	4	 	 	 	3
	30083.96	 	 	 	0.00	 	 	 	30083.96	 	30083.96	 	1	 	5	 	 	 	3
	17289.24	 	0.00	 	0.00	 	0.00	 	17289.24	 	17289.24	 	1	 	5	 	 	 	3
	11647.70	 	0.00	 	5185.49	 	0.00	 	11647.70	 	16833.19	 	1	 	5	 	 	 	3
	6534.42	 	14087.66	 	0.00	 	0.00	 	20622.08	 	20622.08	 	1	 	5	 	 	 	3
	7301.19	 	5620.57	 	0.00	 	0.00	 	12921.76	 	12921.76	 	1	 	5	 	 	 	3
	17916.66	 	7606.19	 	0.00	 	0.00	 	25522.85	 	25522.85	 	1	 	5	 	 	 	3
	13650.00	 	 	 	59416.67	 	 	 	13650.00	 	73066.67	 	1	 	5	 	 	 	3
	15617.42	 	 	 	13322.08	 	 	 	15617.42	 	28939.50	 	1	 	5	 	 	 	3

 

    	 

    	 

    

 

	Co-Borrower
 Employment
 Verification	 	Borrower Asset
 Verification	 	Co-Borrower

 Asset
 Verification	 	Liquid / Cash
 Reserves	 	Monthly Debt All
 Borrowers	 	Originator DTI	 	Fully Indexed

 Rate	 	Qualification
 Method	 	Percentage of Down
 Payment from
 Borrower Own
 Funds	 	City
	 	 	4	 	 	 	91037.67	 	7396.06	 	0.4116	 	 	 	 	 	 	 	Oakland
	 	 	4	 	 	 	137514.63	 	12080.55	 	0.3748	 	 	 	 	 	 	 	ORLANDO
	 	 	4	 	 	 	269426.10	 	8809.45	 	0.3725	 	 	 	 	 	 	 	PETALUMA
	 	 	4	 	 	 	252258.69	 	5903.59	 	0.3880	 	 	 	 	 	 	 	CLARENDON HILLS
	 	 	4	 	 	 	167749.59	 	4894.10	 	0.3369	 	 	 	 	 	 	 	Bay Village
	 	 	4	 	 	 	128359.72	 	8565.19	 	0.2189	 	 	 	 	 	 	 	GREENWOOD VILLAGE
	 	 	4	 	 	 	223546.44	 	12473.49	 	0.4105	 	 	 	 	 	 	 	HOUSTON
	 	 	4	 	 	 	96155.80	 	6407.33	 	0.3201	 	 	 	 	 	100	 	EDISON
	 	 	4	 	 	 	773212.07	 	3699.42	 	0.4887	 	 	 	 	 	 	 	Philadelphia
	 	 	4	 	 	 	2182906.07	 	10749.82	 	0.3847	 	 	 	 	 	100	 	DENVER
	 	 	4	 	 	 	78699.56	 	4386.90	 	0.2089	 	 	 	 	 	100	 	PALM BEACH GARDENS
	 	 	4	 	 	 	42328.69	 	3270.62	 	0.2030	 	 	 	 	 	 	 	CAREFREE
	 	 	4	 	 	 	1165895.63	 	19681.61	 	0.1881	 	 	 	 	 	100	 	CALISTOGA
	 	 	4	 	 	 	78820.53	 	4299.20	 	0.2257	 	 	 	 	 	 	 	ATLANTA
	 	 	4	 	 	 	61900.08	 	5765.35	 	0.3708	 	 	 	 	 	100	 	EL PASO
	 	 	4	 	 	 	82369.12	 	6213.18	 	0.4398	 	 	 	 	 	 	 	REDONDO BEACH
	 	 	4	 	 	 	277950.70	 	4746.64	 	0.2556	 	 	 	 	 	 	 	ATLANTA
	 	 	4	 	 	 	175325.40	 	14812.36	 	0.2032	 	 	 	 	 	 	 	Coloma
	 	 	4	 	 	 	453911.03	 	11151.47	 	0.3206	 	 	 	 	 	100	 	LAUDERDALE BY THE SEA
	 	 	4	 	 	 	2664376.70	 	21840.11	 	0.1159	 	 	 	 	 	100	 	PARADISE WAY
	 	 	4	 	 	 	89821.66	 	4259.54	 	0.3117	 	 	 	 	 	 	 	STONEHAM
	 	 	4	 	 	 	143347.70	 	7690.31	 	0.3386	 	 	 	 	 	100	 	BEDFORD
	 	 	4	 	 	 	481966.97	 	9936.70	 	0.4151	 	 	 	 	 	100	 	LOS GATOS
	 	 	4	 	 	 	203072.06	 	7143.67	 	0.2821	 	 	 	 	 	 	 	SAN DIEGO
	 	 	4	 	 	 	420575.89	 	9126.27	 	0.3034	 	 	 	 	 	 	 	Agoura Hills
	 	 	4	 	 	 	116779.16	 	5138.07	 	0.2972	 	 	 	 	 	100	 	ATLANTA
	 	 	4	 	 	 	71885.12	 	7326.70	 	0.4353	 	 	 	 	 	100	 	OAK PARK
	 	 	4	 	 	 	400340.47	 	5899.48	 	0.2861	 	 	 	 	 	100	 	Littleton
	 	 	4	 	 	 	21791.71	 	5272.21	 	0.4080	 	 	 	 	 	 	 	Franklin
	 	 	4	 	 	 	140625.98	 	6607.87	 	0.2589	 	 	 	 	 	 	 	JACKSONS GAP
	 	 	4	 	 	 	100853.43	 	7379.73	 	0.1010	 	 	 	 	 	 	 	WEST BLOOMFIELD
	 	 	4	 	 	 	431040.57	 	9231.99	 	0.3190	 	 	 	 	 	100	 	Peoria

 

    	 

    	 

    

 

	State	 	Postal Code	 	Property Type	 	Occupancy	 	Sales Price	 	Original 

Appraised
 Property Value	 	Original 

Property
 Valuation Type	 	Original 

Property
 Valuation Date	 	Original

Automated
 Valuation Model
 (AVM) Model 

Name	 	Original AVM
 Confidence Score
	CA	 	94611	 	1	 	1	 	 	 	1000000.00	 	3	 	20120106	 	 	 	 
	FL	 	32836	 	1	 	1	 	 	 	1095000.00	 	3	 	20120420	 	 	 	 
	CA	 	94952	 	1	 	1	 	 	 	1000000.00	 	3	 	20120428	 	 	 	 
	IL	 	60514	 	1	 	1	 	 	 	1000000.00	 	3	 	20120525	 	 	 	 
	OH	 	44140	 	1	 	1	 	 	 	1114000.00	 	3	 	20120605	 	 	 	 
	CO	 	80111	 	1	 	1	 	 	 	1531000.00	 	3	 	20120225	 	 	 	 
	TX	 	77024	 	7	 	1	 	 	 	1150000.00	 	3	 	20120313	 	 	 	 
	NJ	 	08820	 	1	 	1	 	860000.00	 	865000.00	 	3	 	20120316	 	 	 	 
	PA	 	19138	 	1	 	1	 	 	 	750000.00	 	98	 	20120418	 	 	 	 
	CO	 	80209	 	1	 	1	 	977000.00	 	977000.00	 	3	 	20120330	 	 	 	 
	FL	 	33418	 	7	 	1	 	710000.00	 	710000.00	 	3	 	20120404	 	 	 	 
	AZ	 	85377	 	1	 	1	 	 	 	1000000.00	 	3	 	20120418	 	 	 	 
	CA	 	94515	 	1	 	2	 	1395000.00	 	1425000.00	 	3	 	20120418	 	 	 	 
	GA	 	30306	 	1	 	1	 	 	 	745000.00	 	3	 	20120421	 	 	 	 
	TX	 	79922	 	1	 	1	 	800000.00	 	800000.00	 	3	 	20120416	 	 	 	 
	CA	 	90277	 	3	 	1	 	 	 	1035000.00	 	3	 	20120524	 	 	 	 
	GA	 	30306	 	1	 	1	 	 	 	810000.00	 	98	 	20120424	 	 	 	 
	MI	 	49038	 	1	 	2	 	 	 	1062500.00	 	3	 	20120628	 	 	 	 
	FL	 	33308	 	3	 	1	 	1000000.00	 	1070000.00	 	3	 	20120504	 	 	 	 
	AZ	 	85253	 	1	 	2	 	1357000.00	 	1360000.00	 	3	 	20120507	 	 	 	 
	MA	 	02180	 	1	 	1	 	 	 	617000.00	 	3	 	20120511	 	 	 	 
	NH	 	03110	 	1	 	1	 	865000.00	 	853000.00	 	3	 	20120504	 	 	 	 
	CA	 	95030	 	1	 	1	 	1900000.00	 	1790000.00	 	3	 	20120506	 	 	 	 
	CA	 	92106	 	1	 	1	 	 	 	1800000.00	 	3	 	20120608	 	 	 	 
	CA	 	91301	 	7	 	1	 	 	 	1150000.00	 	3	 	20120607	 	 	 	 
	GA	 	30319	 	7	 	1	 	760000.00	 	770000.00	 	3	 	20120526	 	 	 	 
	IL	 	60302	 	1	 	1	 	870000.00	 	882000.00	 	3	 	20120613	 	 	 	 
	CO	 	80123	 	1	 	1	 	803000.00	 	805000.00	 	3	 	20120629	 	 	 	 
	TN	 	37067	 	7	 	1	 	 	 	760000.00	 	3	 	20120419	 	 	 	 
	AL	 	36861	 	1	 	1	 	 	 	739000.00	 	3	 	20120517	 	 	 	 
	MI	 	48323	 	1	 	1	 	 	 	1700000.00	 	3	 	20120509	 	 	 	 
	AZ	 	85383	 	7	 	1	 	646800.00	 	700000.00	 	3	 	20120625	 	 	 	 

 

    	 

    	 

    

 

	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	 	Original 

Pledged
 Assets	 	Mortgage

 Insurance
 Company Name	 	Mortgage

 Insurance
 Percent
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7730	 	0.7730	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5065	 	0.5065	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.4405	 	0.4405	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5486	 	0.5486	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6321	 	0.6321	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7066	 	0.7066	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7500	 	0.7500	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5940	 	0.5940	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.6415	 	0.6415	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7731	 	0.6724	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7120	 	0.7120	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7499	 	0.7499	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7000	 	0.7000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7413	 	0.7413	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5138	 	0.5138	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7552	 	0.7552	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.7286	 	0.7286	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.5535	 	0.5535	 	0	 	0	 	0
	 	 	 	 	 	 	 	 	 	 	0.8000	 	0.8000	 	0	 	0	 	0

 

    	 

    	 

    

 

	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	 	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	 	Cash To/From

 Brrw at

 Closing	 	Brrw - Yrs at in

 Industry
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	4
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	25
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	22
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	21
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	44
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	3
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	22
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	14
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	35
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	25
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	34
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	15
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	6
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	30
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	19
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	21.5
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	11
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	14
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	7
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	10
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	29
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	19
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	23
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	18
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	21.25
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	29
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	20

 

    	 

    	 

    

 

	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
	6	 	0.00	 	20420301	 	16666.66	 	0.00	 	0.00	 	3837.83	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	32232.00	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	17	 	0.00	 	20420601	 	17624.53	 	0.00	 	0.00	 	6025.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	15215.45	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	44	 	0.00	 	20420801	 	6039.33	 	0.00	 	0.00	 	5065.74	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	5	 	0.00	 	20270401	 	39131.34	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	9	 	0.00	 	20270501	 	23731.46	 	0.00	 	0.00	 	15577.10	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	10	 	0.00	 	20420601	 	10850.00	 	0.00	 	0.00	 	9166.65	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	7130.50	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	22083.34	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	21000.00	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	16111.42	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	104633.75	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	74796.00	 	20420601	 	19048.30	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	5	 	0.00	 	20420701	 	15548.41	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	3	 	0.00	 	20420701	 	8782.25	 	0.00	 	0.00	 	4145.29	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	16	 	0.00	 	20420601	 	10462.20	 	0.00	 	0.00	 	6856.88	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	2	 	0.00	 	20420801	 	72910.92	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420601	 	34783.12	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	5	 	0.00	 	20420601	 	188439.22	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	13665.51	 	0.00	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420701	 	0.00	 	0.00	 	22712.09	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	0	 	0.00	 	20420601	 	23938.09	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	25327.69	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	30083.96	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	19	 	0.00	 	20420801	 	17289.24	 	0.00	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420801	 	11647.70	 	5185.49	 	0.00	 	0.00	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	16	 	0.00	 	20420801	 	6534.42	 	0.00	 	0.00	 	14087.66	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	2	 	0.00	 	20420701	 	7301.19	 	0.00	 	0.00	 	5620.57	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	20	 	0.00	 	20420701	 	17916.66	 	0.00	 	0.00	 	7606.19	 	0.00	 	0.00	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420701	 	13650.00	 	59416.67	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months
	 	 	0.00	 	20420801	 	15617.42	 	13322.08	 	0.00	 	 	 	 	 	 	 	Full	 	Two Years	 	Two Months

 

    	 

    	 

    

 

	MERSID	 	Organization
	1000383	 	RRAC/Cenlar
	1000324	 	Shore Financial Services, Inc.

 

    	 

    	 

    
 

ASF RMBS DISCLOSURE PACKAGE

 

The American Securitization Forum is a broad-based professional
forum through which participants in the U.S. securitization market advocate their common interests on important legal, regulatory
and market practice issues. ASF members include over 380 firms, including issuers, investors, servicers, financial intermediaries,
rating agencies, financial guarantors, legal and accounting firms, and other professional organizations involved in securitization
transactions. The ASF also provides information, education and training on a range of securitization market issues and topics through
industry conferences, seminars and similar initiatives. For more information about ASF, its members and activities, please go to
www.americansecuritization.com.

  

	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	 	Cash Out Amount:   [New Loan] – [PIF Prior First
    Lien] – [Payoff of all Seasoned Seconds] – [Closing Costs] – [Prepays]
 
 For delayed purchases (refinances
    on homes purchased < 12 months prior to the mortgage application) with cash)  Cash Out Amount = 0.	 	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	 	 	 	 

  

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	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	 	 	 	 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	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:

 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)	 	 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	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.  The value is then truncated to four decimal
    places.	 	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.  The value is then truncated
    to four decimal places.	 	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
	 	 

 

    	 

    	 

    

 

	Field Number	 	Field Name	 	Field Description	 	Type of Field	 	Data Type	 	Sample Data	 	Format	 	When Applicable?	 	Valid Values	 	Proposed Unique Coding	 	Notes
	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 	 
	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	 	UNK = Unknown	 	 	 	 
	 	 	 	 	 	 	 	> 0	 	 	 
	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	 	 	 	 
	158	 	Cash To/From Brrw at Closing	 	Indicates the amount of cash the borrower(s) paid into or received at closing. 
 

    [HUD-1 Bottom Line] + [Earnest money] + [Paid Outside Closing Items]	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	159	 	Brrw - Yrs at in Industry	 	Number of years the primary borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	9.9	 	9.999999	 	 	 	 	 	 	 	 
	160	 	CoBrrw - Yrs at in Industry	 	Number of years the co-borrower has been working in their current industry	 	 	 	Numeric – Decimal	 	8	 	9.999999	 	 	 	 	 	 	 	 
	161	 	Junior Mortgage Drawn Amount	 	Applicable if the subject loan is a first mortgage.   At the time of origination
    for the subject loan, the sum of the outstanding balance(s) for any junior mortgages (HELOCs and closed-end).	 	 	 	Numeric – Decimal	 	100000.01	 	9(10).99	 	 	 	 	 	 	 	 
	162	 	Maturity Date	 	Maturity date of mortgage	 	 	 	Date	 	20420501	 	YYYYMMDD	 	 	 	 	 	 	 	 
	163	 	Primary Borrower Wage Income (Salary)	 	The primary borrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	164	 	Primary Borrower Wage Income (Bonus)	 	The primary borrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	165	 	Primary Borrower Wage Income (Commission)	 	The primary borrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	166	 	Co-Borrower Wage Income (Salary)	 	The coborrower's salary wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	167	 	Co-Borrower Wage Income (Bonus)	 	The coborrower's bonus wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	168	 	Co-Borrower Wage Income (Commission)	 	The coborrower's commission wage income	 	 	 	Numeric – Decimal	 	10000.44	 	9(10).99	 	 	 	 	 	 	 	 
	169	 	Originator Doc Code	 	Documentation Code value as presented by the seller.	 	 	 	Text	 	Full	 	XXXX	 	 	 	 	 	 	 	 
	170	 	RWT Income Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower asset verification	 	 	 	Text	 	2 Years	 	XXXX	 	 	 	 	 	 	 	 
	171	 	RWT Asset Verification	 	Internal Redwood Derived field.  Due Diligence / Trade Desk derived value indicating
    the level of primary borrower Income verification	 	 	 	Text	 	2 Months	 	XXXX	 	 	 	 	 	 	 	 
	MH-1	 	Real Estate Interest	 	Indicates whether the property on which the manufactured home is situated is owned outright
    or subject to the terms of a short- or long-term lease. (A long-term lease is defined as a lease whose term is greater than
    or equal to the loan term.)	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Coding	 	1 = Owned

        2 = Short-term lease

        3 = Long-term lease

        99 = Unavailable
	 	 
	MH-2	 	Community Ownership Structure	 	If the manufactured home is situated in a community, a means of classifying ownership of
    the community.	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Coding	 	1 = Public Institutional

        2 = Public Non-Institutional
        3 = Private Institutional

        4 = Private Non-Institutional

        5 = HOA-Owned

        6 = Non-Community

        99 = Unavailable
	 	 
	MH-3	 	Year of Manufacture	 	The year in which the home was manufactured (Model Year — YYYY Format). Required only
    in cases where a full appraisal is not provided.	 	Manufactured Housing	 	Numeric – Integer	 	2006	 	YYYY	 	Manufactured Housing Loans Only	 	1901 = Unavailable	 	 	 	 
	MH-4	 	HUD Code Compliance  Indicator (Y/N)	 	Indicates whether the home was constructed in accordance with the 1976 HUD code. In general,
    homes manufactured after 1976 comply with this code.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	9	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No

        1 = Yes

        99 = Unavailable
	 	 
	MH-5	 	Gross Manufacturer’s Invoice Price	 	The total amount that appears on the manufacturer’s invoice (typically includes intangible
    costs such as transportation, association, on-site setup, service and warranty costs, taxes, dealer incentives, and other
    fees).	 	Manufactured Housing	 	Numeric – Decimal	 	72570.62	 	9(10).99	 	Manufactured Housing Loans Only	 	>= 0	 	 	 	 
	MH-6	 	LTI (Loan-to-Invoice) Gross	 	The ratio of the loan amount divided by the Gross Manufacturer’s Invoice Price (Field
    MH-5).	 	Manufactured Housing	 	Numeric – Decimal	 	0.75	 	9.999999	 	Manufactured Housing Loans Only	 	>= 0 to <= 1	 	 	 	 
	MH-7	 	Net Manufacturer’s Invoice Price	 	The Gross Manufacturer’s Invoice Price (Field MH-5) minus intangible
    costs, including: transportation, association, on-site setup, service, and warranty costs, taxes, dealer incentives, and other
    fees.	 	Manufactured Housing	 	Numeric – Decimal	 	61570.62	 	9(10).99	 	Manufactured Housing Loans Only	 	>= 0	 	 	 	 
	MH-8	 	LTI (Net)	 	The ratio of the loan amount divided by the Net Manufacturer’s Invoice Price (Field
    MH-7).	 	Manufactured Housing	 	Numeric – Decimal	 	0.62	 	9.999999	 	Manufactured Housing Loans Only	 	>= 0 to <= 1	 	 	 	 
	MH-9	 	Manufacturer Name	 	The manufacturer of the subject property. (To be applied only in cases where no appraised
    value/other type of property valuation is available.)	 	Manufactured Housing	 	Text	 	“XYZ Corp”	 	Char (100)	 	Manufactured Housing Loans Only (where no appraised value is provided)	 	MH Manufacturer name in double quotation marks	 	 	 	 
	MH-10	 	Model Name	 	The model name of the subject property. (To be applied only in cases where no appraised
    value/other type of property valuation is available.)	 	Manufactured Housing	 	Text	 	“DX5-916-X”	 	Char (100)	 	Manufactured Housing Loans Only (where no appraised value is provided)	 	MH Model name in double quotation marks	 	 	 	 
	MH-11	 	Down Payment Source	 	An indicator of the source of the down payment used by the borrower to acquire the property
    and qualify for the mortgage.	 	Manufactured Housing	 	Numeric – Integer	 	2	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	1 = Cash

        2 = Proceeds from trade
        in

        3 = Land in Lieu

        4 = Other

        99 = Unavailable
	 	 
	MH-12	 	Community/Related Party Lender (Y/N)	 	An indicator of whether the loan was made by the community owner, an affiliate of the community
    owner or the owner of the real estate upon which the collateral is located.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-13	 	Defined Underwriting Criteria (Y/N)	 	An indicator of whether the loan was made in accordance with a defined and/or standardized
    set of underwriting criteria.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = No 
 1 = Yes 
 99 = Unavailable	 	 
	MH-14	 	Chattel Indicator	 	An Indicator of whether the secured property is classified as chattel or Real Estate.	 	Manufactured Housing	 	Numeric – Integer	 	1	 	99	 	Manufactured Housing Loans Only	 	See Codes	 	0 = Real Estate 
 1 = Chattel  
 99 = Unavailable	 	 

 

    	 

    	 

    

  

ATTACHMENT 2

 

PURCHASE AGREEMENT

 

Refer to Exhibit 10.17 to Form 8-K
filed by the Issuing Entity on September 24, 2012

Source: [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}, [{"source": "alea-institute/alea-institute/kl3m-data-edgar-agreements/train-00208-of-00352.parquet"}]]