<xsd:element name="LOAN">
<xsd:annotation>
<xsd:documentation xml:lang="en">Information specific to a mortgage loan agreement between one or more borrowers and a mortgage lender.</xsd:documentation>
</xsd:annotation>
<xsd:complexType>
<xsd:sequence>
<xsd:element ref="ACH" minOccurs="0"/>
<xsd:element ref="BALLOON" minOccurs="0"/>
<xsd:element ref="BILLING_ADDRESS" minOccurs="0"/>
<xsd:element ref="BORROWER" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="BUYDOWN_SUBSIDY" minOccurs="0"/>
<xsd:element ref="CREDIT_SCORE" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="DEFAULT" minOccurs="0"/>
<xsd:element ref="RECORDED_DOCUMENT" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="ESCROW" minOccurs="0"/>
<xsd:element ref="INTEREST_RATE_ADJUSTMENT" minOccurs="0"/>
<xsd:element ref="INTEREST_RATE_CONVERSION_ADJUSTMENT" minOccurs="0"/>
<xsd:element ref="INTEREST_RATE_AND_PRINCIPAL_AND_INTEREST_PAYMENT_OCCURRENCE" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="INVESTOR_LOAN" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="MERS" minOccurs="0"/>
<xsd:element ref="MI_POOL_INSURANCE" minOccurs="0"/>
<xsd:element ref="OPTIONAL_PRODUCT" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="ORIGINAL_LOAN" minOccurs="0"/>
<xsd:element ref="PAYMENT_BREAKOUT" minOccurs="0"/>
<xsd:element ref="PAYMENT_RULE" minOccurs="0"/>
<xsd:element ref="PREPAYMENT_PENALTY" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="PRINCIPAL_AND_INTEREST_PAYMENT_ADJUSTMENT" minOccurs="0"/>
<xsd:element ref="PROPERTY" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="LOAN_COMMENT" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="STOP_CODE" minOccurs="0" maxOccurs="unbounded"/>
<xsd:element ref="CREDIT_BUREAU_REPORTING" minOccurs="0"/>
<xsd:element ref="GOVERNMENT_REPORTING" minOccurs="0"/>
<xsd:element ref="EXTENSION" minOccurs="0"/>
</xsd:sequence>
<xsd:attribute name="ID" type="xsd:ID" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Provides a unique Identifier for this container and a means by which to reference this container from within this data set</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="ParentLoanIDREF_Referencing_LoanID" type="xsd:IDREF" use="optional"/>
<xsd:attribute name="ChildLoanIDREFS_Referencing_LoanIDs" type="xsd:IDREFS" use="optional"/>
<xsd:attribute name="D3343" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Indicates the type of relationship that the child loan has to the parent loan. This is only used in a loan that is a child loan.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="PiggybackLoan">
<xsd:annotation>
<xsd:documentation xml:lang="en">Information specific to a second lien being carried under the same loan number as a first mortgage. Generally one mortgage is covered by two notes and the borrower makes one combined payment.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Other"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="D3344" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free form text field used to describe Child Loan Type when other is selected as the Child Loan Type. This is only used in a loan that is a child loan.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3345" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A unique identifier assigned by the servicer to identify the loan. For servicing transfer purposes the servicer would be the Transferor.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3346" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Account number assigned by the servicer used for tracking on the servicer systems. For servicing transfer purposes the servicer would be the Transferee.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D1838" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The FHA-assigned case number for FHA loans or VA-assigned case number for VA loans. The number is used by the FHA or VA to identify a loan.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D4512" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Indicates the type of Context Identifier. Typically used in conjuction with a Data Item Change Transaction to provide a identifier appropriate for the referenced context.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="Investor"/>
<xsd:enumeration value="Other"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="D4513" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free form text field used to describe Context Identifier Type when other is selected as the Context Type.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D4514" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Context specific Identifier of the type specified by the Context Identifier Type. Typically used in conjuction with a Data Item Change Transaction to provide a loan identifier appropriate for the referenced context.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3347" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The date the original lender funds were released.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D2067" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the lien priority of the subject loan on the subject property.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="FirstLien">
<xsd:annotation>
<xsd:documentation xml:lang="en">A mortgage that gives the mortgagee a security right over all other mortgages of the mortgaged property.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="SecondLien"/>
<xsd:enumeration value="ThirdLien"/>
<xsd:enumeration value="FourthLien"/>
<xsd:enumeration value="Other"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="D3348" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form text field used to capture the lien priority type if Other is selected as the lien priority type.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D1846" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the type of payment stream.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="Fixed">
<xsd:annotation>
<xsd:documentation xml:lang="en">A mortgage in which the interest rate and payments remain the same for the life of the loan.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="AdjustableRate">
<xsd:annotation>
<xsd:documentation xml:lang="en">A mortgage that allows the lender to adjust the interest rate in accordance with a specified index periodically.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="GraduatedPaymentMortgage">
<xsd:annotation>
<xsd:documentation xml:lang="en">GPM - A type of flexible payment mortgage where the payments increase for a specified period of time and then level off. Usually involves negative amortization.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="GrowingEquityMortgage">
<xsd:annotation>
<xsd:documentation xml:lang="en">GEM - A graduated payment mortgage in which increases in a borrowers mortgage payments are used to accelerate reduction of principal on the mortgage. Due to increased payment, the borrower acquires equity more rapidly and retires the debt earlier.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="ReverseMortgage">
<xsd:annotation>
<xsd:documentation xml:lang="en">A mortgage which uses present equity in the property to fund payments from the lender to the borrower-in lieu of the borrower receiving the proceeds of the loan in a lump sum. As a general rule no payments are made from the borrower to the lender and interest is accrued for payment at the end of the mortgage.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Step">
<xsd:annotation>
<xsd:documentation xml:lang="en">Fixed periodic payment/rate changes up to 5 years without subsidy or neg am.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="GraduatedPaymentARM">
<xsd:annotation>
<xsd:documentation xml:lang="en">Periodic payments/rate changes with additional specified principal and interest changes as documented in the Security Instruments.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="DailySimpleInterest">
<xsd:annotation>
<xsd:documentation xml:lang="en">The interest is calculated as a per diem multiplied by the actual number of days between effective dates.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="Ruleof78s">
<xsd:annotation>
<xsd:documentation xml:lang="en">This amortization is a method of recognizing the earned portion ofadd-on interest for any given period by applying pre-determined factors to the total interest to be earned over the loan term. Loans that use this amortization method are usually short term consumer loans (12-36 months). The outstanding balance is usually quoted as the principal plus the unearned interest. With these loans, a lender earns approximately three-fourths of the finance charge (interest) during the first half of the loan term, which results in a higher yield (thank the quoted APR) during that part of the loan. The loan yield for the last half of the loan term is lower than the quoted APR.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="OtherAmortizationType">
<xsd:annotation>
<xsd:documentation xml:lang="en">Used to describe the amortization type if it is other than those specified in the enumerated list for Loan Amortization.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="D1844" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form text field used to collect additional information or a description of the amortization type when Other is selected.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3576" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Identifies the section of the National Housing Act which defines underwriting guidelines for VA or FHA loan evaluations.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="203b">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 203(b). Basic Program, Purchases, Refinances</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="203k251">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 203(k)/251. Purchase, Rehab/ARM</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="221d2">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 221(d)(2).Low and Moderate Income/ARM</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="234c">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 234(c).</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="234c251">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 234(c)/251. Condominium/ARM</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="203b2">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 203(b)2.Purchase, Refinances - Veteran Status</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="203b251">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 203(b)/251. Condominium/ARM</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="203k">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 203(k). A first mortgage that covers the costs of rehabilitation and purchase or refinance of an eligible property. A HUD program.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="235"/>
<xsd:enumeration value="245"/>
<xsd:enumeration value="265"/>
<xsd:enumeration value="203h">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 203(h).</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="203l">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 203(I).</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="221d2251">
<xsd:annotation>
<xsd:documentation xml:lang="en">Referred to as 221(d)(2)/251.Low and Moderate Income/ARM</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="D3349" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Identifies the insuring section and the applicable HUD insurance fund; identifies an assistance payment contract; identifies where the lender has the option under its contract of mortgage ins to receive benefits in default. (Reference HUD SFDMS Guide)</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D2104" use="optional">
<xsd:simpleType>
<xsd:annotation>
<xsd:documentation xml:lang="en">Specifies the type of mortgage being applied for or that has been granted.</xsd:documentation>
</xsd:annotation>
<xsd:restriction base="xsd:string">
<xsd:enumeration value="Conventional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Mortgage financing which not guaranteed by a government agency such as HUD/FHA, VA or Farmers Home Administration.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="VA">
<xsd:annotation>
<xsd:documentation xml:lang="en">VA Home Loan Guaranty Program encourages mortgage lenders to offer long-term, low down payment financing to eligible veterans by partially guaranteeing the lender against loss upon foreclosure.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="FHA">
<xsd:annotation>
<xsd:documentation xml:lang="en">A federal agency within HUD that provides mortgage insurance for residential mortgages and sets standards for construction and underwriting.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="FarmersHomeAdministration">
<xsd:annotation>
<xsd:documentation xml:lang="en">A government agency which provides financing to farmers and other qualified borrowers who are unable to obtain loans elsewhere.</xsd:documentation>
</xsd:annotation>
</xsd:enumeration>
<xsd:enumeration value="StateAgency"/>
<xsd:enumeration value="LocalAgency"/>
<xsd:enumeration value="OtherAgency"/>
</xsd:restriction>
</xsd:simpleType>
</xsd:attribute>
<xsd:attribute name="D2105" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form text field used to collect additional information or a description of the mortgage type when Other is selected.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D2642" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The current interest rate for this loan.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3350" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The number of payments used to compute the fully amortized payment.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3351" type="xsd:boolean" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Indicates the type of interest calculation to use during payment processing.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3352" type="xsd:boolean" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Indicates that interest accrued, escrow disbursements made and/or fees charged will be added to the unpaid principal balance.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D2664" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The date when the loan is scheduled to be paid in full as reflected on the Note.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3034" type="xsd:boolean" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Indicates whether the loan is assumable by another borrower.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3353" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The date the loan becomes assumable.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3354" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The length of time the loan is assumable in months.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3355" type="xsd:boolean" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Indicates if the loan has been assumed</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3356" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A representation of the history of last twelve payments based on a Twelve month calendar beginning with January.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3357" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Date the loan was last assumed</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D2177" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">A free-form textual description of the loan product.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3358" type="xsd:boolean" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Indicates whether loan is set up with interest only payments.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3359" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The number of payments the loan remains interest only.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D2641" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">The current unpaid principal balance on the loan.</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3360" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Current Remaining Buydown Balance</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3361" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Accrued Uncollected Interest</xsd:documentation>
</xsd:annotation>
</xsd:attribute>
<xsd:attribute name="D3362" type="xsd:string" use="optional">
<xsd:annotation>
<xsd:documentation xml:lang="en">Monies advanced on the loan (i.e. delinquency expense, tax penalty, repairs, etc.).</xsd:documentation>
