Borrower Profile

The Borrower Profile section of the Details page contains the borrower(s)' financial information and includes the following fields:

The table below provides a brief description of each data field in the Borrower Profile section:

	Field Name	Field Type	Description
1.	Borrower Gross Monthly Income	Currency	The amount of the borrower(s)' total household income. Includes employment income and additional sources of revenue, such as Social Security payments.
2.	Co Borrower Gross Monthly Income	Currency	The monthly dollar amount received by the co borrower as income before taxes have been taken out.
3.	Monthly Gross Rental Income	Currency	The amount of revenue generated by the owned property from rent on a monthly basis.
4.	Are There New Mortgages	Yes/No	Indicates whether any new mortgages occurred during the term of the hardship.This field will indicate "Yes" if one of the following conditions exist: The loan is delinquent and the borrower(s)' credit report indicates a new mortgage was obtained in the six months prior to the due date of the last paid installment on the loan (DDLPI). The loan is current and the borrower(s)' credit report indicates a new mortgage was obtained in the six months prior to the short sale evaluation date.
5.	Cash Reserve Amount	Currency	The amount of the borrower(s)' total non-retirement liquid assets. Includes assets that can be instantly converted into cash without losing their value.
6.	Monthly Expenses	Currency	The total amount of the monthly expenses (excluding the monthly liabilities) for all borrowers on the Note.
7.	Monthly Liabilities	Currency	The total amount of monthly liabilities for all Borrowers on the Note.
8.	HTI Ratio	Percentage	A system calculated value of the borrower(s) housing expense to income (HTI) ratio.
9.	Borrower FICO	Numeric	The borrower's FICO score.
10.	Borrower FICO Date	Date (mm/dd/yyyy)	The date the borrower's FICO score was obtained from the credit bureau.
11.	Co-Borrower FICO	Numeric	The co-borrower's FICO score.
12.	Co-Borrower FICO Date	Date (mm/dd/yyyy)	The date the co-borrower's FICO score was obtained from the credit bureau.
13.	Hardship Reason	Enumerated	The reason for the borrower's hardship. Note: This data field will reflect the hardship that best corresponds to the borrower's situation.
14.	Reason for Extenuating Circumstances	Text	Textual comment provided by the Servicer describing the reason for the extenuating circumstances.