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["SER_INVESTOR_NBR","LOAN_NBR","SERVICER_LOAN_NBR","SCHED_PAY_AMT","NOTE_INT_RATE","SCHED_GROSS_INTEREST_AMT","NET_INT_RATE","SCHED_NET_INT","SERV_FEE_RATE","SERV_FEE_AMT","ACTL_NET_INT","ACTL_BEG_PRIN_BAL","ACTL_PRIN_AMT","ACTL_END_PRIN_BAL","BORR_NEXT_PAY_DUE_DATE","SCHED_BEG_PRIN_BAL","SCHED_PRIN_AMT","SERV_CURT_AMT_1","SERV_CURT_DATE_1","CURT_ADJ_AMT_1","SERV_CURT_AMT_2","SERV_CURT_DATE_2","CURT_ADJ_AMT_2","SERV_CURT_AMT_3","SERV_CURT_DATE_3","CURT_ADJ_AMT_3","PIF_AMT","PIF_DATE","ACTION_CODE","SCHED_END_PRIN_BAL","PREPAY_PENALTY_AMT","PREPAY_PENALTY_WAIVED","PREPAY_PENALTY_SERVICER_PAID","PREPAY_PENALTY_BORROWER_PAID","ARM_INDEX_RATE","INT_ADJ_AMT","SOLDIER_SAILOR_ADJ_AMT","PRIN_ADJ","NON_ADV_LOAN_AMT","LOAN_LOSS_AMT","DELINQ_P&I_ADVANCE_AMT","BREACH_FLAG","ACTUAL_ENDING_BALANCE_TOTAL_DEBT_OWED","SCHEDULED_ENDING_BALANCE_TOTAL_DEBT_OWED","PRINCIPAL_FORBEARANCE_LOSS_(RECOVERY)","NON_INTEREST_BEARING_DEFERRED_PRINCIPAL_CURT_AMT","NON_INTEREST_BEARING_DEFERRED_PAID_IN_FULL_AMOUNT","ENDING_NON_INTEREST_BEARING_DEFERRED_PRINCIPAL_BAL","ENDING_PRINCIPAL_REDUCTION_ALT_FORBEARANCE_BAL","PRINCIPAL_REDUCT_ALT_FORBEARANCE_PAID_IN_FULL_AMT","PRINCIPAL_REDUCT_ALT_FORBEARANCE_LOSS_(RECOVERY)","LIQUIDATION_PROGRAM_TYPE","MONTHLY_PAYMENT_REDUCTION_COST_SHARE","BORROWER_PAY_FOR_PERFORMANCE_SUCCESS_PAYMENTS","ONE_TIME_BONUS_INCENTIVE_ELIGIBILITY","ONE_TIME_BONUS_INCENTIVE_AMOUNT","HOME_PRICE_DEPRECIATION_PAYMENTS","HAFA_INVESTOR_INCENTIVE_AMOUNT","LOAN_MODIFICATION_INCENTIVE_TERMINATION_DATE","PRA_INVESTOR_INCENTIVE_AMOUNT","MOD_INT_ADJ_NIB","MODIFICATION_EFFECTIVE_DATE","CAPITALIZED_AMOUNT","TOTAL_SERVICING_ADVANCES","SERVICING_FEE_ADVANCES","ESCROW_ADVANCES","INTEREST_ADVANCES","MODIFIED_BEGINNING_BALANCE","MODIFIED_INTEREST_RATE","MODIFIED_P&I_AMOUNT","MODIFIED_BALLOON_AMOUNT","MODIFIED_BALLOON_DATE","MODIFIED_MATURITY_DATE","PRINCIPAL_FORGIVENESS","INTEREST_FORGIVENESS","EXPENSE_FORGIVENESS","BACK_END_DTI","FRONT_END_DTI","INCOME_VERIFICATION","BORROWER_SEGMENTATION_CODE","APPROVAL_FROM_OUTSIDE_PARTY","ARM_TO_FIXED_CONVERSION","FIXED_TO_ARM_CONVERSION","IO_TO_FULLY_AMORTIZED_CONVERSION","FULLY_AMORTIZED_TO_IO_CONVERSION","MODIFIED_INTEREST_ONLY_LAST_PAYMENT_DATE","TEMPORARY_MODIFICATION","GRADUATED_RATE_OR_PAYMENT_MODIFICATION","MODIFICATION_GRADUATED_DATE_1","MODIFICATION_GRADUATED_RATE_1","MODIFICATION_GRADUATED_PAYMENT_1","MODIFICATION_GRADUATED_DATE_2","MODIFICATION_GRADUATED_RATE_2","MODIFICATION_GRADUATED_PAYMENT_2","MODIFICATION_GRADUATED_DATE_3","MODIFICATION_GRADUATED_RATE_3","MODIFICATION_GRADUATED_PAYMENT_3","MODIFICATION_GRADUATED_DATE_4","MODIFICATION_GRADUATED_RATE_4","MODIFICATION_GRADUATED_PAYMENT_4","MODIFICATION_GRADUATED_DATE_5","MODIFICATION_GRADUATED_RATE_5","MODIFICATION_GRADUATED_PAYMENT_5","MODIFICATION_GRADUATED_DATE_6","MODIFICATION_GRADUATED_RATE_6","MODIFICATION_GRADUATED_PAYMENT_6","MODIFIED_ARM_PARAMETER(S)","MODIFIED_NEXT_PAYMENT_ADJUST_DATE","MODIFIED_NEXT_INTEREST_RATE_ADJUST_DATE","MODIFIED_ARM_INTEREST_RATE_TEASER_PERIOD","MODIFIED_ARM_INTEREST_RATE_ADJUST_FREQUENCY","MODIFIED_ARM_PAYMENT_ADJUST_FREQUENCY","MODIFIED_ARM_PAYMENT_RECAST_FREQUENCY","MODIFIED_ARM_NEXT_PAYMENT_RECAST_DATE","MODIFIED_ARM_LOOK_BACK_DAYS","MODIFIED_ARM_ROUNDING_TYPE","MODIFIED_ARM_ROUNDING_FACTOR","MODIFIED_ARM_GROSS_MARGIN","MODIFIED_ARM_NEGATIVE_AMORTIZATION_INDICATOR","MODIFIED_ARM_NEGATIVE_AMORTIZATION_CAP","MODIFIED_ARM_PAYMENT_TEASER_PERIOD","MODIFIED_ARM_INITIAL_MAXIMUM_RATE","MODIFIED_ARM_INITIAL_MINIMUM_RATE","MODIFIED_ARM_LIFETIME_MAXIMUM_RATE","MODIFIED_ARM_LIFETIME_MINIMUM_RATE","MODIFIED_ARM_INDEX_TYPE","MODIFIED_ARM_PAYMENT_CHANGE_CAP","MODIFIED_PAY_OPTION_ARM_INDICATOR","MODIFIED_ARM_SUBSEQUENT_INTEREST_RATE_PERIOD_CAP","NON_INTEREST_BEARING_PRINCIPAL_DEFERRED_AMOUNT","NON_INT_BEARING_DEFERRED_INT_AND_FEES_AMT","ADMIN_FEES_ASSOC_WTH_PARTICIPTING_IN_PROGRAM","PRINCIPAL_REDUCTION_ALTERNATIVE_FORBEARANCE_AMOUNT","MODIFICATION_PROGRAM_TYPE","LOAN_PARTICIPATION_END_DATE","STOP_ADVANCE_FLAG"]

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["Column Name","Description","Decimal","Format Comment","Included on Supplemental File","MOD FIELD"]
["SER_INVESTOR_NBR","A value assigned by the Servicer to define a group of loans.",null,"Text up to 20 characters","No"]
["LOAN_NBR","A unique identifier assigned to each loan by the investor.",null,"Text up to 10 characters","Yes"]
["SERVICER_LOAN_NBR","A unique number assigned to a loan by the Servicer.  This may be different than the LOAN_NBR.",null,"Text up to 10 characters","No"]
["SCHED_PAY_AMT","Scheduled monthly principal and scheduled interest payment that a borrower is expected to pay, P&I constant.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["NOTE_INT_RATE","The loan interest rate (gross) as reported by the Servicer.","4 decimal places to the right",null,"No"]
["SCHED_GROSS_INTEREST_AMT","The amount of interest due on the outstanding scheduled principal balance in the current cycle.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["NET_INT_RATE","The loan gross interest rate less the service fee rate as reported by the Servicer.","4 decimal places to the right",null,"No"]
["SCHED_NET_INT","The scheduled gross interest amount less the service fee amount for the current cycle as reported by the Servicer -- only applicable for Scheduled/Scheduled and Scheduled/Actual Loans.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SERV_FEE_RATE","The Servicer's fee rate for a loan as reported by the Servicer. ","4 decimal places to the right",null,"No"]
["SERV_FEE_AMT","The Servicer's fee amount for a loan as reported by the Servicer. ","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["ACTL_NET_INT","The actual gross interest amount less the service fee amount for the current reporting cycle as reported by the Servicer -- only applicable for Actual/Actual Loans.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["ACTL_BEG_PRIN_BAL","The borrower's interest bearing actual principal balance at the beginning of the processing cycle.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["ACTL_PRIN_AMT","The actual principal amount collected by the Servicer for the current reporting cycle -- only applicable for Actual/Actual and Scheduled/Actual Loans.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["ACTL_END_PRIN_BAL","The borrower's interest bearing actual principal balance at the end of the processing cycle.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["BORR_NEXT_PAY_DUE_DATE","The date at the end of processing cycle that the borrower's next payment is due to the Servicer, as reported by Servicer.",null,"mm/dd/yyyy","No"]
["SCHED_BEG_PRIN_BAL","The interest bearing scheduled outstanding principal balance due at the beginning of the cycle date to be passed through to investors.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SCHED_PRIN_AMT","The scheduled principal amount as reported by the Servicer for the current cycle -- only applicable for Scheduled/Scheduled Loans.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SERV_CURT_AMT_1","The first curtailment amount to be applied to the interest bearing balance.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["SERV_CURT_DATE_1","The curtailment date associated with the first curtailment amount. ",null,"mm/dd/yyyy","Yes"]
["CURT_ADJ_AMT_1","The curtailment interest on the first curtailment amount, if applicable.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SERV_CURT_AMT_2","The second curtailment amount to be applied to the interest bearing balance.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SERV_CURT_DATE_2","The curtailment date associated with the second curtailment amount.",null,"mm/dd/yyyy","No"]
["CURT_ADJ_AMT_2","The curtailment interest on the second curtailment amount, if applicable.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SERV_CURT_AMT_3","The third curtailment amount to be applied to the interest bearing balance.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SERV_CURT_DATE_3","The curtailment date associated with the third curtailment amount.",null,"mm/dd/yyyy","No"]
["CURT_ADJ_AMT_3","The curtailment interest on the third curtailment amount, if applicable.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["PIF_AMT","The loan \"paid in full\" amount for the interest bearing balance as reported by the Servicer.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PIF_DATE","The paid in full date as reported by the Servicer.",null,"mm/dd/yyyy","Yes"]
["ACTION_CODE","A standard numeric code used to indicate the default status of a particular loan. This is a required field. NOTE: Field cannot be null; refer to Exhibit 5 for acceptable values",null,"Text up to 2 characters","Yes"]
["SCHED_END_PRIN_BAL","The interest bearing scheduled principal balance due to investors at the end of a processing cycle. ","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PREPAY_PENALTY_AMT","The penalty amount received when a borrower prepays on his loan as reported by the Servicer.  ","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PREPAY_PENALTY_WAIVED","The prepayment penalty amount for the loan waived by the Servicer.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PREPAY_PENALTY_SERVICER_PAID","The prepayment penalty amount for the loan paid by the Servicer.","2  decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PREPAY_PENALTY_BORROWER_PAID","The prepayment penalty amount for the loan paid by the borrower.","2  decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["ARM_INDEX_RATE","The index the Servicer is using to calculate a forecasted rate.","4 decimal places to the right",null,"No"]
["INT_ADJ_AMT","The amount of the interest adjustment as reported by the Servicer.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["SOLDIER_SAILOR_ADJ_AMT","The Soldier and Sailor Adjustment amount, if applicable.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["PRIN_ADJ","The sum of all principal adjustments that apply to a loan for a reporting cycle, including, but not limited to: principal adjustments due to capitalization, corrections to loan balances that were securitized incorrectly, or monthly activity that cannot be categorized as a scheduled principal payment or a curtailment. Please note that these kinds of adjustments should be infrequent on any given loan and that such activity will result in inquiries and requests for more detailed data.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["NON_ADV_LOAN_AMT","The Non Recoverable Loan Amount, if applicable.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["LOAN_LOSS_AMT","The amount the Servicer is passing as a loss for the interest bearing portion of a liquidated loan, if applicable.\n* A Loss should be reported as a positive number and a recovery as a negative number.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["DELINQ_P&I_ADVANCE_AMT","The current outstanding principal and interest advances made by Servicer.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["BREACH_FLAG","Flag to indicate if the repurchase of a loan is due to a breach of Representations and Warranties\nNOTE: If populated, acceptable values = Y or N",null,"Text up to 1 character","Yes"]
["ACTUAL_ENDING_BALANCE_TOTAL_DEBT_OWED","For a loan with principal forbearance and/or a principal reduction alternative (PRA) forbearance amount, the value in this field will be the sum of the actual ending interest bearing balance plus the deferred amount(s).  This will always be the value reported, regardless of how the principal forbearance and/or PRA forbearance amounts are reported.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["SCHEDULED_ENDING_BALANCE_TOTAL_DEBT_OWED","For a loan with principal forbearance and/or a principal reduction alternative (PRA) forbearance amount, the value in this field will be the sum of the scheduled ending interest bearing balance plus the deferred amount(s).  This will always be the value reported, regardless of how the principal forbearance and/or PRA forbearance amounts are reported.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PRINCIPAL_FORBEARANCE_LOSS_(RECOVERY)","The Deferred Principal loss/recovery activity for the trust.  Should be populated based on the following:  \n1. At the time of modification, (a) if the related NIB Deferred Principal is to be treated as NONLOSS methodology, it should be left blank, or (b) if LOSS methodology, it should be populated with the full Modified NIB Deferred Principal Amount.  \n2. After modification, (a) if NONLOSS methodology previously established, this should represent the total loss/recovery applied to deferred principal at liquidation; (b) if LOSS methodology previously established, this should represent (i) the corresponding recovery from any curtailments applied to the deferred principal balance or (ii) the recovered amount when the loan is paid in full.\nNOTE: Losses should be positive; recoveries should be negative.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["NON_INTEREST_BEARING_DEFERRED_PRINCIPAL_CURT_AMT","The amount of principal to be applied to reduce the outstanding Non-Interest Bearing Deferred Principal Amount.  This field cannot be used when the Non-Interest Bearing Deferred Principal Amount is being Paid in Full (the Non-Interest Bearing Deferred Paid in Full Amount field must be used in that instance).","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["NON_INTEREST_BEARING_DEFERRED_PAID_IN_FULL_AMOUNT","This value is to be reported when any principal forbearance loan modification either liquidates or is paid in full. This separate field is needed because most Servicers separately track the principal forbearance amount and thus the existing paid in full amount field will not work since it will incur interest on most Servicing systems and will only include the amount that is required to pay off the amortization balance.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["ENDING_NON_INTEREST_BEARING_DEFERRED_PRINCIPAL_BAL","The ending balance that represents the outstanding Non-Interest Bearing Deferred Principal Balance as of the cut off date.  Regardless of how the principal forbearance amount was reported at the time of modification, this balance is expected to be maintained and reported until the Non-Interest Bearing Deferred Principal Balance is liquidated or paid in full.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["ENDING_PRINCIPAL_REDUCTION_ALT_FORBEARANCE_BAL","The ending balance that represents the outstanding Principal Reduction Alternative Forbearance Balance (or similar program) as of the cut-off date. ","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PRINCIPAL_REDUCT_ALT_FORBEARANCE_PAID_IN_FULL_AMT","Regardless of how the Principal Reduction Alternative Forbearance Amount (or similar program) is reported at the time of modification (i.e., as a LOSS or not), this amount will not be populated until the last third of the outstanding amount is written off.   ","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes"]
["PRINCIPAL_REDUCT_ALT_FORBEARANCE_LOSS_(RECOVERY)","The PRA loss/recovery activity for the trust.  Should be populated based on the following:  \n1. At the time of modification, (a) if the related PRA is to be treated as NONLOSS methodology, it should be left blank or, (b) if LOSS methodology, it should be populated with the full Modified PRA Amount.  \n2. After modification, (a) if NONLOSS methodology was previously established this should reflect any amounts forgiven, in the month that they occur; (b) any future recoveries, if applicable.\nNOTE: Losses should be positive; recoveries should be negative.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["LIQUIDATION_PROGRAM_TYPE","Indicates the type of government or industry program used for the loan liquidation, if applicable (i.e., short sales and deed-in-lieus done under the HAFA program).  Only the applicable FNMA codes should be reported. \nNOTE: Acceptable values are HMP3 (Deed-in-Lieu) and HMP5 (Short Sale)",null,"Text up to 6 characters","Yes"]
["MONTHLY_PAYMENT_REDUCTION_COST_SHARE","For HAMP Only:  The subsidized payment from Treasury/FNMA to reimburse the investor for one half of the cost of reducing the monthly payment from 38% to 31% Front-End DTI. This value represents the amount for the current cycle only.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["BORROWER_PAY_FOR_PERFORMANCE_SUCCESS_PAYMENTS","For HAMP Only: The amount paid to the servicer from U.S. Treasury/FNMA that reduces the principal balance of the interest bearing portion of the loan as the borrower stays current after modification. This amount is applied annually up to a maximum of $1,000 for up to five years. Reported for the related period as received by the servicer from FNMA. This value represents the amount for the current cycle only.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["ONE_TIME_BONUS_INCENTIVE_ELIGIBILITY","For HAMP Only: Y=Yes - The loan qualifies for the one-time bonus incentive payment of $1,500.00 payable to the mortgage holder subject to certain de minimis constraints."]
["ONE_TIME_BONUS_INCENTIVE_AMOUNT","For HAMP Only: $1,500 paid to mortgage holders for modifications made while a borrower is still current on mortgage payments. This value represents the amount for the current cycle only.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["HOME_PRICE_DEPRECIATION_PAYMENTS","For HAMP Only: Amount payable to mortgage holders to partially offset probable losses from home price declines. This will be structured as a simple cash payment on each modified loan while the loan remains active in the program. Payments of accrued HPDP incentives will be made on an annual basis on each of the first anniversary and the second anniversary of the date on which the first trial period payment is due under the Trial Period Plan.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["HAFA_INVESTOR_INCENTIVE_AMOUNT","For HAMP Only: The investor reimbursement payment (up to a maximum of $1,000) made by the Treasury for allowing a total of up to $3,000 in short-sale proceeds to be distributed to subordinate lien holders, or for allowing payment of up to $3,000 to subordinate lien holders.  To receive an incentive, subordinate lien holders must release their liens and waive all future claims against the borrower. The servicer is not responsible for any future actions or claims against the borrower by such subordinate lien holders or creditors.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["LOAN_MODIFICATION_INCENTIVE_TERMINATION_DATE","For HAMP Only: The date upon which borrower participation in the program is terminated because the borrower has defaulted or re-defaulted. Re-default or Loss of Good Standing is defined under the HAMP guidelines as three monthly payments are due and unpaid on the last day of the third month.",null,"mm/dd/yyyy","No"]
["PRA_INVESTOR_INCENTIVE_AMOUNT","For HAMP Only:  Investors will receive PRA investor incentive payments based on the delinquency status of the loan, the MTMLTV ratio used to complete the Alternative Waterfall analysis and the amount of principal reduction installment actually applied by the servicer (more information is on page 6 of the Supplemental Directive 10-05).","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["MOD_INT_ADJ_NIB","This amount is only applicable when new loan modification data is reported for the first time and the loan modification agreement states that the interest accrues in arrears based upon the modified balance.  This amount should reflect only the interest amount attributable to the non-interest bearing (NIB) portion of the balance, or the sum thereof for each cycle from the modification effective date to the reporting cycle date.","2 decimal places to the right","No commas(,) or dollar signs ($)","No"]
["MODIFICATION_EFFECTIVE_DATE","The first loan payment date on which the modified loan terms become effective. This field is required if any of the below fields are populated with a value.",null," mm/dd/yyyy","Yes","Y"]
["CAPITALIZED_AMOUNT","The amount added to the actual outstanding principal balance owed by the borrower due to a modification.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["TOTAL_SERVICING_ADVANCES","The total amount advanced by the Servicer for the loan modification, which can be comprised of Attorney Fees, Appraisal Fees, Inspection Fees, and other items as defined in the governing documents.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["SERVICING_FEE_ADVANCES","The total amount of servicing fees for delinquent payments that has been advanced by the Servicer for the loan modification.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["ESCROW_ADVANCES","The total amount of escrow advances made by the Servicer on the loan modification, which can include insurance, taxes, mortgage insurance, and other items as defined in the governing documents.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["INTEREST_ADVANCES","The total amount of net interest that has been advanced by the Servicer for the loan's modification delinquent payments.\nNOTE: If Interest Advances exist, the loan must have either a Capitalized Amount or an Interest Forgiveness Amount associated with it.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFIED_BEGINNING_BALANCE","The beginning principal balance that is owed by the borrower as of the Modification Effective Date per the modification agreement.  For loans with a non-interest bearing balance component, the balance provided in this field must be the sum of the interest bearing and non-interest bearing balance components.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFIED_INTEREST_RATE","The gross interest rate for the loan beginning on the Modification Effective Date per the modification agreement.","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_P&I_AMOUNT","The total principal and interest payment due for the loan beginning on the Modification Effective Date per the modification agreement.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFIED_BALLOON_AMOUNT","The interest bearing balloon payment amount on the loan per the modification agreement.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFIED_BALLOON_DATE","The date on which the interest bearing balloon payment is due per the modification agreement. The value in this field could be populated if a balloon payment is being created or changed through the modification of the loan.\nNOTE: If Modified Balloon Date is populated then Modified Balloon Amount cannot be null.\nNOTE: Cannot be greater than the modified maturity date. If Modified Balloon Amount has a value, Modified Balloon Date must have a value. ",null,"mm/dd/yyyy ","Yes","Y"]
["MODIFIED_MATURITY_DATE","The maturity date of the loan per the modification agreement.",null,"mm/dd/yyyy","Yes","Y"]
["PRINCIPAL_FORGIVENESS","The total amount of principal due that has been waived or permanently forgiven by the Servicer per the modification agreement.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["INTEREST_FORGIVENESS","The total amount of interest due that has been waived or permanently forgiven by the Servicer per the modification agreement.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["EXPENSE_FORGIVENESS","The total amount of expenses due that has been waived or permanently forgiven by the Servicer per the modification agreement.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["BACK_END_DTI","The back-end ratio (total monthly debt payments divided by monthly income) used to qualify the modification.","4 decimal places to the right",null,"Yes","Y"]
["FRONT_END_DTI","The front-end ratio (total monthly housing expense divided by monthly income) used to qualify the modification.","4 decimal places to the right",null,"Yes","Y"]
["INCOME_VERIFICATION","Income verification indicator. Indicate yes or no whether a Transcript of Tax Return (received pursuant to the filing of IRS Form 4506–T) was obtained to corroborate Modification Front-end DTI (calculated using pay stubs, W–2s and/or CPA certified tax returns).\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["BORROWER_SEGMENTATION_CODE","Indicates which segment a subprime ARM loan is classified under, based on the American Securitization Forum's Streamlined Foreclosure and Loss Avoidance Framework for Securitized Subprime Adjustable Rate Mortgage Loans.  At this time, servicers only need to report loans that are classified as “Segment 2”, which includes current loans where the borrower is unlikely to be able to refinance into any readily available mortgage industry product.\nNOTE: Must be populated with ‘2’ if loan falls under ASF streamlined foreclosure and loss avoidance framework for Modifications (must also populate “Modified Next Payment Adjust Date” and “Modified Next Interest Rate Adjust Date” in this case).",null,"Text up to 6 characters","Yes","Y"]
["APPROVAL_FROM_OUTSIDE_PARTY","If the governing documents require another party's approval to allow additional modifications after the Modification Limit (as defined in the governing documents) has been exceeded.\nNOTE: Acceptable values are Y or N\nY indicates that the required party's approval of the modification has been obtained by the servicer; N indicates that the approval has not been obtained.",null,"Text up to 1 character","Yes","Y"]
["ARM_TO_FIXED_CONVERSION","Indicates if the loan is an adjustable rate mortgage (ARM) loan that has been converted to a fixed rate loan per the modification agreement; not through existing provisions of the original ARM parameters.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["FIXED_TO_ARM_CONVERSION","Indicates if the loan is a fixed rate loan that has been converted to an adjustable rate mortgage (ARM) loan per the modification agreement.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["IO_TO_FULLY_AMORTIZED_CONVERSION","Indicates if the loan payments were comprised of interest only and have been converted to fully amortizing loan payments per the modification agreement.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["FULLY_AMORTIZED_TO_IO_CONVERSION","Indicates if the loan payments were fully amortizing and have been converted to interest only payments.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["MODIFIED_INTEREST_ONLY_LAST_PAYMENT_DATE","The date of the last interest only payment, as of the Modification Effective Date.  ",null,"mm/dd/yyyy","Yes","Y"]
["TEMPORARY_MODIFICATION","Indicates if the modified loan terms are in effect only for a specified time period, after which the original loan terms are reinstated.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["GRADUATED_RATE_OR_PAYMENT_MODIFICATION","Indicates if the modified terms consist of graduated rates and/or payments for a loan, or if the loan’s previously existing graduated rate and/or payment schedule is being changed per the modification agreement.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["MODIFICATION_GRADUATED_DATE_1","The date(s) at which the next rate and/or payment change will occur per the loan modification agreement. All dates must be provided, not just the first change unless there is only a single change date.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFICATION_GRADUATED_RATE_1","The rate(s) that will apply at each change date as stated in the loan modification agreement. All rates must be provided, not just the first change rate unless there is only a single change date.","4 decimal places to the right",null,"Yes","Y"]
["MODIFICATION_GRADUATED_PAYMENT_1","The payment(s) that will apply at each change date as stated in the loan modification agreement. All payments must be provided, not just the first change payment unless there is only a single change date.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFICATION_GRADUATED_DATE_2","The date(s) at which the next rate and/or payment change will occur per the loan modification agreement. All dates must be provided, not just the first change unless there is only a single change date.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFICATION_GRADUATED_RATE_2","The rate(s) that will apply at each change date as stated in the loan modification agreement. All rates must be provided, not just the first change rate unless there is only a single change date.","4 decimal places to the right",null,"Yes","Y"]
["MODIFICATION_GRADUATED_PAYMENT_2","The payment(s) that will apply at each change date as stated in the loan modification agreement. All payments must be provided, not just the first change payment unless there is only a single change date.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFICATION_GRADUATED_DATE_3","The date(s) at which the next rate and/or payment change will occur per the loan modification agreement. All dates must be provided, not just the first change unless there is only a single change date.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFICATION_GRADUATED_RATE_3","The rate(s) that will apply at each change date as stated in the loan modification agreement. All rates must be provided, not just the first change rate unless there is only a single change date.","4 decimal places to the right",null,"Yes","Y"]
["MODIFICATION_GRADUATED_PAYMENT_3","The payment(s) that will apply at each change date as stated in the loan modification agreement. All payments must be provided, not just the first change payment unless there is only a single change date.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFICATION_GRADUATED_DATE_4","The date(s) at which the next rate and/or payment change will occur per the loan modification agreement. All dates must be provided, not just the first change unless there is only a single change date.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFICATION_GRADUATED_RATE_4","The rate(s) that will apply at each change date as stated in the loan modification agreement. All rates must be provided, not just the first change rate unless there is only a single change date.","4 decimal places to the right",null,"Yes","Y"]
["MODIFICATION_GRADUATED_PAYMENT_4","The payment(s) that will apply at each change date as stated in the loan modification agreement. All payments must be provided, not just the first change payment unless there is only a single change date.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFICATION_GRADUATED_DATE_5","The date(s) at which the next rate and/or payment change will occur per the loan modification agreement. All dates must be provided, not just the first change unless there is only a single change date.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFICATION_GRADUATED_RATE_5","The rate(s) that will apply at each change date as stated in the loan modification agreement. All rates must be provided, not just the first change rate unless there is only a single change date.","4 decimal places to the right",null,"Yes","Y"]
["MODIFICATION_GRADUATED_PAYMENT_5","The payment(s) that will apply at each change date as stated in the loan modification agreement. All payments must be provided, not just the first change payment unless there is only a single change date.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFICATION_GRADUATED_DATE_6","The date(s) at which the next rate and/or payment change will occur per the loan modification agreement. All dates must be provided, not just the first change unless there is only a single change date.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFICATION_GRADUATED_RATE_6","The rate(s) that will apply at each change date as stated in the loan modification agreement. All rates must be provided, not just the first change rate unless there is only a single change date.","4 decimal places to the right",null,"Yes","Y"]
["MODIFICATION_GRADUATED_PAYMENT_6","The payment(s) that will apply at each change date as stated in the loan modification agreement. All payments must be provided, not just the first change payment unless there is only a single change date.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFIED_ARM_PARAMETER(S)","Indicates if the loan's existing ARM parameters are changing (and it is remaining an ARM loan) per the modification agreement.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["MODIFIED_NEXT_PAYMENT_ADJUST_DATE","The date on which the next payment adjustment is scheduled to occur for an adjustable rate mortgage (ARM) loan per the modification agreement.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFIED_NEXT_INTEREST_RATE_ADJUST_DATE","The date on which the next interest rate adjustment is scheduled to occur for an adjustable rate mortgage (ARM) loan per the modification agreement.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFIED_ARM_INTEREST_RATE_TEASER_PERIOD","The duration in months that the teaser interest rate is in effect, as of the Modification Effective Date.","N/A","No special characters","Yes","Y"]
["MODIFIED_ARM_INTEREST_RATE_ADJUST_FREQUENCY","The interest rate change frequency of the loan (in months) as of the Modification Effective Date. The interest rate change frequency of the loan (in months) as of the Modification Effective Date.","N/A","No special characters","Yes","Y"]
["MODIFIED_ARM_PAYMENT_ADJUST_FREQUENCY","The payment change frequency of the loan (in months) as of the Modification Effective Date.","N/A","No special characters","Yes","Y"]
["MODIFIED_ARM_PAYMENT_RECAST_FREQUENCY","The payment recast frequency of the loan (in months) as of the Modification Effective Date.","N/A","No special characters","Yes","Y"]
["MODIFIED_ARM_NEXT_PAYMENT_RECAST_DATE","The date on which the next payment recast will occur for the loan (in months) as of the Modification Effective Date.",null,"mm/dd/yyyy","Yes","Y"]
["MODIFIED_ARM_LOOK_BACK_DAYS","The number of days prior to the interest rate change date that the index rate used to calculate the loan’s rate is obtained, as of the Modification Effective Date.  Some loans will indicate this as “the first Tuesday of the month prior to the Next Interest Rate Change Date”, and the data for these loans will need to be manually applied.","N/A","No special characters","Yes","Y"]
["MODIFIED_ARM_ROUNDING_TYPE","The rounding method used when calculating the loan’s interest rate, as of the Modification Effective Date.  \nNOTE: Acceptable values = U = rounds up; D = rounds down; N = rounds to the nearest value; Z = does not round  ",null,"Text up to 1 character","Yes","Y"]
["MODIFIED_ARM_ROUNDING_FACTOR","The precision used when rounding the calculation of the loan’s interest rate, as of the Modification Effective Date.  ","4 decimal places to the right","No special characters","Yes","Y"]
["MODIFIED_ARM_GROSS_MARGIN","The margin (fixed percentage that is added to the index on each interest rate change date) as of the Modification Effective Date.","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_ARM_NEGATIVE_AMORTIZATION_INDICATOR","Indicates whether or not a negative amortization feature is part of the loan as of the Modification Effective Date.  \nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["MODIFIED_ARM_NEGATIVE_AMORTIZATION_CAP","The maximum percentage of negative amortization allowed on the loan as of the Modification Effective Date.  ","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_ARM_PAYMENT_TEASER_PERIOD","The duration in months that the teaser payment is in effect, as of the Modification Effective Date.","N/A","No special characters","Yes","Y"]
["MODIFIED_ARM_INITIAL_MAXIMUM_RATE","Amount by which the interest rate may adjust upward on the first interest rate adjustment date (after modification).","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_ARM_INITIAL_MINIMUM_RATE","Amount by which the interest rate may adjust downward on the first interest rate adjustment date (after modification).","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_ARM_LIFETIME_MAXIMUM_RATE","Provide the maximum rate of interest that may be applied to an adjustable rate loan over the course of the loan’s life (after modification).","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_ARM_LIFETIME_MINIMUM_RATE","Provide the minimum rate of interest that may be applied to an adjustable rate loan over the course of the loan’s life (after modification).","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_ARM_INDEX_TYPE","The description of the type of index used to calculate the loan’s rate, as of the Modification Effective Date.",null,"Text up to 255 characters","Yes","Y"]
["MODIFIED_ARM_PAYMENT_CHANGE_CAP","The percentage value by which a payment may increase or decrease in one period (after modification).","4 decimal places to the right",null,"Yes","Y"]
["MODIFIED_PAY_OPTION_ARM_INDICATOR","Indicates if the loan is a Pay Option ARM loan.\nNOTE: Y or N must be populated for any loan with a Modification Effective Date. If no value (Null value) is provided for this field it will be treated as an “N”.",null,"Text up to 1 character","Yes","Y"]
["MODIFIED_ARM_SUBSEQUENT_INTEREST_RATE_PERIOD_CAP","Subsequent interest rate increase. Provide the maximum percentage by which the interest rate may increase at each rate adjustment date after the initial adjustment.","4 decimal places to the right",null,"Yes","Y"]
["NON_INTEREST_BEARING_PRINCIPAL_DEFERRED_AMOUNT","The total amount of principal deferred by the modification, excluding PRA or like kind forbearance amounts. Deferred amounts are not subject to interest bearing accrual. This field is preferred to be reported as part of the monthly remittance file, but must be reported in the supplemental file with the other modification data elements if not reported on the monthly remittance file.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["NON_INT_BEARING_DEFERRED_INT_AND_FEES_AMT","The amount of delinquent interest and fees that is deferred per a loan modification agreement and not capitalized or forgiven.","2 decimal places to the right","No commas(,) or dollar signs ($)","No","Y"]
["ADMIN_FEES_ASSOC_WTH_PARTICIPTING_IN_PROGRAM","For HAMP Only. Fees incurred by the Servicer while administering this program, as allowed by governing document provisions.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["PRINCIPAL_REDUCTION_ALTERNATIVE_FORBEARANCE_AMOUNT","For HAMP: From Supplemental Directive 10-05, page 4: PRA is a deferred principal reduction program that allows a borrower to earn principal reduction over a three-year period by successfully making payments in accordance with the modified loan terms.  If the loan is modified pursuant to PRA, the principal reduction amount should be initially treated as non-interest bearing principal forbearance (PRA Forbearance Amount).  The PRA Forbearance Amount is separate and exclusive of any other forbearance that may be offered in conjunction with a HAMP modification.\nFor Non-HAMP: any programs that follow the same or similar concept as HAMP PRA.","2 decimal places to the right","No commas(,) or dollar signs ($)","Yes","Y"]
["MODIFICATION_PROGRAM_TYPE","This will distinguish HAMP modifications from other non-HAMP modifications\nNOTE: Acceptable values = HAMP; FHA-HAMP;FDIC",null,"Text up to 10 characters","Yes","Y"]
["LOAN_PARTICIPATION_END_DATE","The date upon which the last P&I payment is due during the 60-month participation of the U. S. Treasury and FNMA in the loan modification. For example, if the trial modification occurs April, May, and June of 2009 then the first P&I payment of the 60-month participation begins with the July 2009 P&I payment. The last P&I payment of the 60-month program participation ends June 2014.\nEnter in the last payment date of the 60-month participation period.",null,"mm/dd/yyyy","Yes","Y"]
["STOP_ADVANCE_FLAG","Flag to indicate when a mortgage servicer stops advancing Principal and Interest (P&I) payments to the investor for an eligible mortgage loan that has become delinquent.  ",null,"Text up to 1 character, Y or N","No"]