PWS Attachment 15_USDA GUS Specification_Pre_Development_v3.0.xlsx
XLSX spreadsheet 351 KB Posted
- Attached to
- Rural Development (RD) Modernization of the Guaranteed Underwriting System (GUS) 2 Federal contract opportunity
- Solicitation number
- 12SAD123R0004
About this file
This document is the USDA Guaranteed Underwriting System (GUS) Specification MISMO v3.4. It provides detailed information on the data requirements and submission process for USDA's Guaranteed Underwriting System, which supports the Uniform Residential Loan Application (URLA).
The GUS Specification outlines 7 request types that can be submitted via a system-to-system integration, including Property Eligibility, Income Eligibility, Property & Income Eligibility, Preliminary Underwriting, Final Underwriting, SAVE, and Submit Application Documents. It includes a comprehensive data mapping to the MISMO v3.4 data model, as well as details on required data fields, enumerations, relationships, and conditionality by request type. The document also provides a version history, tab descriptions, and implementation guidance to assist lenders and technology providers in updating their loan origination systems.
View the file
Other files for this federal contract opportunity
Show all 33
On GovTribe
Work with this file on GovTribe
- Download the original file
- Contacts named in this file
- Similar government files
- Ask GovTribe AI about this file
Text version
1-Front Cover
USDA Guaranteed Underwriting System (GUS) Data Mapping
| USDA GUS Specification MISMO v3.4 |
| Document Version 3.0.0_Pre Development |
| August 26, 2022 - Final |
| © 2022 USDA . All Rights Reserved. |
| MISMO® is a registered trademark of the Mortgage Industry Standards Maintenance Organization. |
2-Read Me
| READ ME TAB |
| Background |
| The USDA Guaranteed Underwriting System (GUS) Specification MISMO v3.4 supports the Uniform Residential Loan Application (URLA) and it uses the industry Loan Application Dataset (iLAD) as a starting point. The industry Loan Application Dataset (iLAD) is an industry standard for the exchange of loan application information, based on the MISMO v3.4 XML Reference Model. iLAD takes into account the Uniform Loan Application Data (ULAD), Desktop Underwriter (DU) specification, Loan Product Advisor (LPA) specification and additional fields the industry determined were beneficial. |
| Purpose |
| The USDA GUS Specification is intended to be used by USDA approved lenders and Loan Origination System (LOS) providers to collect the required data to support a USDA Loan Guarantee request. The USDA GUS Specification details the following Request Types, which can be submitted via a system-to-system integration once the required Integration Agreements have been signed and approved by USDA. Additional details for each of these request types and what services are available within each are documented in the USDA GUS Web Service Implementation Guide. |
1. Property Eligibility
2. Income Eligibility
3. Property & Income Eligibility
4. Preliminary Underwriting
5. Final Underwriting
6. Systematic Alien Verification for Entitlements (SAVE)
7. Submit Application Documents
There are 3 additional request types available for USDA GUS Web Service which do not require a MISMO v3.4 file format to be included with the S2S request. These are referred to as "Lender Services" and include:
1. Release Control to Lender (by Lender Agent)
2. Withdraw Application
3. Recall Final Submission
The USDA GUS Specification and other supporting information is intended to provide lenders and technology solution providers with the necessary information to update their loan origination systems to collect the required data. The Conditionality of the fields is based on requiring the minimal data to perform each specific Request Type.
| Overview of the USDA GUS specification Mapping Document |
| Review the 4-Tab Description tab for details on what each tab includes in the USDA GUS Specification. |
| Details on GUS Map 3.0.0 Tab |
| Review the 5-Column & Row Description tab for details on what each column and row in the 7-GUS Mapping tab includes. |
| URLA Form Field Numbers |
| The 7-GUS Mapping tab contains a column named Form Field ID, which is reference to a number found on Numbered URLA forms that the GSE's have published. Each field on the Numbered URLA form contains a red number (Form Field ID) that can be used to identify the corresponding MISMO data point(s) and definitions provided in the GUS Mapping Document. |
The following URLA forms have Numbered version published on the GSE URLA websites:
1. URLA – Borrower Information
2. URLA – Lender Loan Information
3. URLA – Unmarried Addendum
The following two URLA forms do not have a numbered version since they contain duplicate data fields from the other URLA forms:
1. URLA - Additional Borrower
2. URLA - Continuation Sheet
| USDA Supplemental Data Document |
| In addition to the URLA Numbered Forms there are data points in the 7-GUS Mapping tab that are specific to USDA. In order to provide a visual representation of this data a USDA Supplemental Data document has been created that is numbered and referenced in the Form Field Section of the 7-GUS Mapping tab. |
In addition, a Numbered version of the Form RD 3555-21 has been provided to reference data that prints on that form that is also used in the USDA GUS Specification.
| Special Characters |
| There are some restrictions around special characters for String fields that are detailed out in the GUS Implementation Notes column on the 7-GUS Mapping tab. |
In addition, there is a global restriction on the use of pipe characters (|) for all String fields in the USDA GUS Specification.
&10Version 1.0 6/7/2019 &F &10&P of &N
3-Version History
| Summary | ||
| Date | Version # | Description |
| 8.26.2022 | v3.0.0_Pre Development | Initial publication to USDA with B2G spec detaills shared with MISMO Loan Application Data Exchange Development Work Group. |
&10Version 1.0 6/7/2019 &F &10&P of &N
4-Tab Description
| Tab Description | ||
| Tab # | Tab Name | Tab Description/Details |
| 1 | Front Cover | Provides the USDA GUS Specification version number, publication date and copyright/disclaimer information |
| 2 | Read Me | Provides background on how the USDA GUS Specification was developed, its purpose and other important information about the data specification. |
| 3 | Version History | Provides a high-level description of all changes/additions introduced in the latest version of the USDA GUS Specification. Each mapping tab related change will reference the GUS Unique ID, data point name and high level summary of the change. Changes to other tabs (documentation or global updates) will be summarized as well. |
| 4 | Tab Description | Provides a description of each tab in the USDA GUS Specification in order from left to right. |
| 5 | Column & Row Description | Provides a description of each column and row in the following tabs, including a legend for coloring/shading for each tab: |
1. 7-GUS Mapping
2. 8-Enumerations
3. 10-ArcRoles
| 6 | Request File Summary | Provides a visual representation of the MISMO LDD (Logical Data Dictionary) v3.4.0 to show high-level XML layout with Containers and Data Points for every request type. |
| 7 | GUS Mapping | Provides an XML Sort order view of all the MISMO v3.4 data points required to submit the various USDA request types for the USDA Guaranteed Underwriting System (GUS). The tab includes cardinality for Preliminary/Final Underwriting, conditionality by Request Type and other important details in the GUS Implementation Notes column. |
| 8 | Enumerations | Provides a comprehensive list of all GUS supported enumerations for all Enumerated/String as Enumerated fields listed on the GUS Mapping tab. |
| 9 | All Request Types Cardinality | Details the minimum and maximum number of times the container may be present in the Request File for all request types. Cardinality is expressed with the notation n:m, where n is the minimum number of times the container must exist, and m is the maximum number of times the container may exist. |
| 10 | ArcRoles | Provides a complete list of the MISMO v3.4 ArcRoles needed to support the USDA GUS Specification and how to correctly create the RELATIONSHIP container in the XML. |
5-Column & Row Description
| GUS Mapping - Column Headings | ||
| Column | Column Heading | Column Description |
| A | XML Sort ID | A unique number per row that allows the Mapping specification to be sorted in order of how Containers/Data Points appears in the XML. The XML Sort ID will not change between versions. If a new field is added that needs to exist between 2 existing elements that XML Sort ID can use a decimal in between the 2 existing Sort IDs. For example '14.05' to live between existing Sort IDs 14 and 15. |
| B | GUS Unique ID | A unique ID that will not change between versions that is assigned to each data point in the GUS Mapping specification. The Unique ID is referenced in the Revision History tab as well when there are changes for that data point. Any Unique ID's that start with '9999.xxxx' are USDA Proprietary fields. All other Unique IDs should align with the iLAD specification for that data point. |
All GUS Unique IDs between '1001.00' and '1400.00' are used to detail out the XML Containers within the XML.
| C | MISMO v3.4/Extension Xpath | The hierarchical path through the MISMO v3.4 schema to this data point or attribute, which aligns with the location in the source model. Namespace annotations (ulad: | rd: ) have been added where applicable. |
| D | Parent Container | The MISMO v3.4 parent container of the corresponding MISMO data point. Namespace annotations (ulad: | rd: ) have been added where applicable. |
| E | Cardinality |
for Preliminary UW MIN:MAX Details the minimum and maximum number of times the container may be present in the Request File specifically for the Preliminary Underwriting request type. Cardinality is expressed with the notation n:m, where n is the minimum number of times the container must exist, and m is the maximum number of times the container may exist.
NOTE: Cardinality for all Request Types can be found on the 9-All Req Type Cardinality tab F Cardinality for Final UW MIN:MAX Details the minimum and maximum number of times the container may be present in the Request File specifically for the Final Underwriting request type. Cardinality is expressed with the notation n:m, where n is the minimum number of times the container must exist, and m is the maximum number of times the container may exist.
NOTE: Cardinality for all Request Types can be found on the 9-All Req Type Cardinality tab
| G | Data Point/Attribute Name | The name of the data point or attribute that appears in the XML. Namespace annotations (ulad: | rd: ) have been added where applicable. |
| H | Data Point/Attribute Definition | A definition for the associated data point. For all data points in the MISMO v3.4 LDD the definition matches the LDD. For rd: namespace fields the definition were defined by USDA and reviewed with the MISMO LADE DWG. |
| I | GUS Supported Enumerations/Attribute Naming Convention | For data points this column will include the enumerated values allowed by GUS for each data point. |
For attributes this column will include the naming convention to be used for that given attribute. For example: @xlink:label with 'EMPLOYER_n' naming convention the '_n' will be unique for each Employment record.
J Data Point Format The following MISMO data types are used in the USDA GUS Specification:
• Amount 9.2 (100100100.10): Represents United States currency. Dollar amounts must be submitted without the dollar sign ($) or commas (,). Up to 9 digits may precede the decimal. 2 digits must follow the decimal. Whole dollar amounts without a decimal are also valid.
• Code: MISMO data point terms based on a look-up value from a pre-defined list. These values should adhere to the standard length/format defined by the provider of the look-up value (for example FIPSStateCode should always be 2 numeric digits and accept lead zero's).
• Boolean (false, true): MISMO data point terms ending with “Indicator” have values of "false" or "true". These values must be provided in lower case for well-formed XML.
• Date (CCYY-MM-DD): Represents a specific date. The date must be provided in year-month-day order and must contain a dash (-) between the year, month, and day (for example, "2010-03-25").
• Enumerated: May be populated only with a list of predefined values. Enumerated MISMO data points always end in “Type.” Each value must be delivered exactly as printed, following all spacing and capitalization, for well-formed XML.
• Numeric n (999999999): Represents whole numbers only with n specifying the maximum number of digits allowed for the associated data point. The numeric value must not contain commas "," or decimals ".".
• Percent 3.4: Represents arbitrary precision decimal numbers. For each decimal field, the total and fraction digits are specified. The designation "3.4" means that the number of total digits N may not exceed 3 and the number of fraction digits n may not exceed 4. The following values are acceptable: "95.65", "1.55", ".3601", and "999".
• String n: Represents a character string with n specifying the maximum number of characters allowed for the associated data point. Several data points (e.g., PostalCode and TaxpayerIdentifierValue) do not allow the value to contain dashes "-".
• String (as Enumerated): Represents String fields that are limited to specified values. Data points with this format are treated as enumerated by GUS and only the specified enumerations are valid.
• Year (CCYY): Represents a specific year. Year must be provided with 4 digits, such as "2010".
| K | Loan Role Type | Provides a reference to whether a data point is associated to the Subject Loan and/or the Related Loan. |
| L | Party Role Type | Provides a reference to whether an entry relates to a specific Party Role Type as defined in the USDA GUS Specification. |
| M | Form Section Name | The name of the ULRA Form Section or USDA Supplemental Data Document that relates to where the data point may be found or where the data point contributes to creating data. The form numbers can be also found on the numbered version of the form produced by the GSE's and USDA. |
| N | Form Field ID | The red number populated on the numbered URLA form versions distributed by the GSE's and the USDA Supplemental Data Document. |
| O | Form Field Name | The name of the field on the URLA or USDA Supplemental Data Document that the data point relates to or contributes to. |
| P | Other Label | Provides additional business context for data points or attributes. |
| Q | GUS Implementation Notes | Provides additional details or guidance for a given data point or attribute to assist lender/vendors on how data should be populated. |
| R | Property Eligibility | This is the conditionality for the corresponding MISMO data point for the Property Eligibility request type in GUS. The first column lists one of three values and the 2nd column provides the business rule (condition) details for Conditionally Required fields: |
• Required (R): The corresponding data point must be included in the XML file.
• Conditionally Required (C): The corresponding data point must be included in the XML file when the defined condition exists.
• Optional (O): The corresponding data point may be submitted with the XML file at the discretion of the lender.
| S | Conditionality Details for Property Eligibility | |
| T | Income Eligibility | This is the conditionality for the corresponding MISMO data point for the Income Eligibility request type in GUS. The first column lists one of three values and the 2nd column provides the business rule (condition) details for Conditionally Required fields: |
• Required (R): The corresponding data point must be included in the XML file.
• Conditionally Required (C): The corresponding data point must be included in the XML file when the defined condition exists.
• Optional (O): The corresponding data point may be submitted with the XML file at the discretion of the lender.
| U | Conditionality Details for Income Eligibility | |
| V | Property & Income Eligibility | This is the conditionality for the corresponding MISMO data point for the Property & Income Eligibility request type in GUS. The first column lists one of three values and the 2nd column provides the business rule (condition) details for Conditionally Required fields: |
• Required (R): The corresponding data point must be included in the XML file.
• Conditionally Required (C): The corresponding data point must be included in the XML file when the defined condition exists.
• Optional (O): The corresponding data point may be submitted with the XML file at the discretion of the lender.
| W | Conditionality Details for Property & Income Eligibility | |
| X | Preliminary Underwriting | This is the conditionality for the corresponding MISMO data point for the Preliminary Underwriting request type in GUS. The first column lists one of three values and the 2nd column provides the business rule (condition) details for Conditionally Required fields: |
• Required (R): The corresponding data point must be included in the XML file.
• Conditionally Required (C): The corresponding data point must be included in the XML file when the defined condition exists.
• Optional (O): The corresponding data point may be submitted with the XML file at the discretion of the lender.
| Y | Conditionality Details for Preliminary Underwriting | |
| Z | Final Underwriting | This is the conditionality for the corresponding MISMO data point for the Final Underwriting request type in GUS. The first column lists one of three values and the 2nd column provides the business rule (condition) details for Conditionally Required fields: |
• Required (R): The corresponding data point must be included in the XML file.
• Conditionally Required (C): The corresponding data point must be included in the XML file when the defined condition exists.
• Optional (O): The corresponding data point may be submitted with the XML file at the discretion of the lender.
| AA | Conditionality Details for Final Underwriting | |
| AB | Submit Application Documents | This is the conditionality for the corresponding MISMO data point for the Submit Application Documents request type in GUS. The first column lists one of three values and the 2nd column provides the business rule (condition) details for Conditionally Required fields: |
• Required (R): The corresponding data point must be included in the XML file.
• Conditionally Required (C): The corresponding data point must be included in the XML file when the defined condition exists.
• Optional (O): The corresponding data point may be submitted with the XML file at the discretion of the lender.
| AC | Conditionality Details for Submit Application Documents | |
| AD | Systematic Alien Verification for Entitlements (SAVE) | This is the conditionality for the corresponding MISMO data point for the Systematic Alien Verification for Entitlements request type in GUS. The first column lists one of three values and the 2nd column provides the business rule (condition) details for Conditionally Required fields: |
• Required (R): The corresponding data point must be included in the XML file.
• Conditionally Required (C): The corresponding data point must be included in the XML file when the defined condition exists.
• Optional (O): The corresponding data point may be submitted with the XML file at the discretion of the lender.
| AE | Conditionality Details for Systematic Alien Verification for Entitlements (SAVE) |
| GUS Mapping - Row Color Legend | |
| Data Points/ Attributes | Unshaded rows represent data points or attributes that are applicable for the USDA GUS Specification. Data points/attributes are listed by default in the order they appear in the applicable request type Payload XML file (based on MISMO v3.4 XML order including Extension data points) that will be included in the System-to-System Request XML for the applicable GUS Request Types. |
Data point/attribute GUS Unique IDs fall between '0.00' and '1000.00' OR start with '9999'. Every column except Cardinality for Prelim/Final UW MIN:MAX can apply to a data point/attribute row.
Containers Light blue rows list each container in the xPath that must be populated to create a properly formed XML with underlying data points contained in each container. Containers are listed by default in the order they appear in the applicable request type Payload XML file (based on MISMO v3.4 XML order including Extensions) that will be included in the System-to-System Request XML for the applicable GUS Request Types.
Container row GUS Unique IDs fall between '1001.00' and '1400.00'.
Only the following columns apply to a container row: XML Sort | GUS Unique ID | MISMO v3.4/Extension Xpath | Parent Container | Cardinality for Prelim/Final MIN:MAX | Other Label | GUS Implementation Notes
| End of XML Xpath | Light gray rows are informational only and appear at the end of an XPath segment. END rows show the reverse XPath back to the point where a new path will be taken with the next container. Only column that applies is Other Label. | |
| Enumerations tab | ||
| Column | Column Heading | Column Description |
| A | GUS Unique ID | GUS Unique ID that can be used to cross-reference to the applicable data point on the GUS Mapping tab |
| B | Form Field ID | The red number populated on the numbered URLA form versions distributed by the GSE's and the USDA supplemental data document. When applicable, there are also references to data that appears on Form RD 3555-21. |
| C | Form Field Name | The name of the field on the URLA form or USDA supplemental data document that the data point relates to or contributes to. When applicable, there are also references to data that appears on Form RD 3555-21. |
| D | Data Point Name | The name of the data point or attribute that appears in the XML. Namespace annotations (ulad: | rd: ) have been added where applicable. |
| E | MISMO v3.4/USDA Supported Enumerations | The MISMO v3.4 enumerated values allowed by GUS for this data point. |
| F | MISMO v3.4 Supported Enumeration Definition | The MISMO v3.4 definition for each enumeration listed in the MISMO v3.4/USDA Supported Enumerations column if a definition exists in the MISMO v3.4.0 LDD. |
| ArcRoles tab | ||
| Column | Column Heading | Column Description |
| A | ArcRole | The name of the ArcRole that provides the ability to link (xlink) two data points. |
| B | XPath From Endpoint | The hierarchical path through the MISMO v3.4 schema document for the source data point that will be part of the xlink. |
| C | Source | The name of the container to which the initial data point (from the link) belongs. |
| D | Verb Phrase | Verb phrase used to build ArcRole Relationship |
| E | XPath To Endpoint | The hierarchical path through the MISMO v3.4 schema document for the target data point that will be part of the xlink. |
| F | Target | The name of the container to which the final data point (from the link) belongs. |
| F | Notes | Additional information about the individual ArcRole. |
6-Request File Summary
| GUS XML Payload Request File Summary | ||
| Request Types (Link) | ||
| Property Eligibility | xxxx.xxxx | GUS Unique ID |
| Income Eligibility | 1:1 | Defines the MIN:MAX cardinality for noted container. Means container must always be present and only 1 instance. |
| Property & Income Eligibility | 0:n | Defines the MIN:MAX cardinality for noted container. '0' means container will only present if applicable (based on conditionality of data points within that container) and only 1 instance. 'n' represents the maximum number of times that container can exist. |
| Preliminary Underwriting | ||
| Final Underwriting | ||
| Submit Application Documents | ||
| Systematic Alien Verification for Entitlements (SAVE) |
GUS XML Payload Request File - Property Eligibility request type
| 391.0000 | |||||||
| 1:1 MESSAGE | MISMOReferenceModeldentifier | ||||||
| 1001.0000 | |||||||
| 1:1 ABOUT_VERSIONS | 1002.0000 | 614.0000 | |||||
| 1003.0000 | 1:1 ABOUT_VERSION | DataVersionName | |||||
| 1:1 DEAL_SETS | 1004.0000 | ||||||
| 1:1 DEAL_SET | 1005.0000 | ||||||
| 1:1 DEALS | 1006.0000 | ||||||
| 1:1 DEAL | 1023.0000 | ||||||
| 1:1 COLLATERALS | 1024.0000 | ||||||
| 1:1 COLLATERAL | |||||||
| GUS XML Payload Request File - Income Eligibility request type |
| 391.0000 | |||||||
| 1:1 MESSAGE | MISMOReferenceModeldentifier | ||||||
| 1001.0000 | |||||||
| 1:1 ABOUT_VERSIONS | 1002.0000 | 614.0000 | |||||
| 1003.0000 | 1:1 ABOUT_VERSION | DataVersionName | |||||
| 1:1 DEAL_SETS | 1004.0000 | ||||||
| 1:1 DEAL_SET | 1005.0000 | ||||||
| 1:1 DEALS | 1006.0000 | ||||||
| 1:1 DEAL | 1023.0000 | ||||||
| 1:1 COLLATERALS | 1024.0000 | ||||||
| 1047.00 | 1:1 COLLATERAL | ||||||
| 0:1 EXPENSES | 1046.0000, 1048.0000 | ||||||
| 1061.0000 | 0:3 EXPENSE | Up to 3 entries for USDA Household Expenses | |||||
| 1:1 LOANS | 1062.0000 | ||||||
| 1110.0000 | 1:1 LOAN | 1 subject loan | |||||
| 1:1 PARTIES | 1271.00 | ||||||
| 1:5 PARTY | Repeats as required for each PARTY |
Breakdown of PartyRoleType/PartyRoleTypeOtherDescription instances:
Other/HouseholdMember - 5
GUS XML Payload Request File - Property & Income Eligibility request type
| 391.0000 | |||||||
| 1:1 MESSAGE | MISMOReferenceModeldentifier | ||||||
| 1001.0000 | |||||||
| 1:1 ABOUT_VERSIONS | 1002.0000 | 614.0000 | |||||
| 1003.0000 | 1:1 ABOUT_VERSION | DataVersionName | |||||
| 1:1 DEAL_SETS | 1004.0000 | ||||||
| 1:1 DEAL_SET | 1005.0000 | ||||||
| 1:1 DEALS | 1006.0000 | ||||||
| 1:1 DEAL | 1023.0000 | ||||||
| 1:1 COLLATERALS | 1024.0000 | ||||||
| 1047.00 | 1:1 COLLATERAL | ||||||
| 0:1 EXPENSES | 1046.0000, 1048.0000 | ||||||
| 1061.0000 | 0:3 EXPENSE | Up to 3 entries for USDA Household Expenses | |||||
| 1:1 LOANS | 1062.0000 | ||||||
| 1110.0000 | 1:1 LOAN | 1 subject loan | |||||
| 1:1 PARTIES | 1271.00 | ||||||
| 1:5 PARTY | Repeats as required for each PARTY |
Breakdown of PartyRoleType/PartyRoleTypeOtherDescription instances:
Other/HouseholdMember - 5 GUS XML Payload Request File - Preliminary Underwriting request type
| 391.0000 | |||||||
| 1:1 MESSAGE | MISMOReferenceModeldentifier | ||||||
| 1001.0000 | |||||||
| 1:1 ABOUT_VERSIONS | 1002.0000 | 614.0000 | |||||
| 1003.0000 | 1:1 ABOUT_VERSION | DataVersionName | |||||
| 1:1 DEAL_SETS | 1004.0000 | ||||||
| 1:1 DEAL_SET | 1005.0000 | ||||||
| 1:1 DEALS | 1006.0000 | ||||||
| 1:1 DEAL | 1007.0000 | ||||||
| 0:1 ASSETS | 1008.0000 | ||||||
| 1023.0000 | 0:110 ASSET | Repeats for each asset listed for all borrowers | |||||
| 1:1 COLLATERALS | 1024.0000 | ||||||
| 1045.0000, 1047.0000 | 1:1 COLLATERAL | ||||||
| 0:1 EXPENSES | 1046.0000, 1048.0000 | ||||||
| 1052.0000 | 0:53 EXPENSE | Repeats for each URLA Expenses - up to 50 entries |
Up to 3 entries for USDA Household Expenses
| 0:1 LIABILITIES | 1053.0000 | |
| 1061.0000 | 0:50 LIABILITY | Repeats for each liability listed for all borrowers |
| 1:1 LOANS | 1062.0000 | |
| 1110.0000 | 1:4 LOAN | 1 subject loan and up to 3 subordinate liens allowed |
| 1:1 PARTIES | 1111.0000, 1206.0000, 1216.0000, 1231.0000, 1246.0000, 1254.0000, 1262.0000, 1271.0000, 1285.0000 | |
| 1292.0000 | 2:24 PARTY | Repeats as required for each PARTY |
Breakdown of PartyRoleType/PartyRoleTypeOtherDescription instances:
Borrower - 5 Lender - 1 LoanOriginationCompany - 1 LoanOriginator - 1 NotePayTo - 3 Other/CommitmentRespondToParty - 5 Other/HomelandSecurityContact - 1 Other/HouseholdMember - 5 PropertyOwner - 2
| 0:1 RELATIONSHIPS | 1122.00 | 1025.00 | 1024.00 | 1075.00 | 1026.00 | 1027.00 | 1021.00 | 1027.00 | |
| 0:317 RELATIONSHIP | Repeats as required to define all relationships (ArcRoles) |
Breakdown of RELATIONSHIP instances:
Asset to Borrower - 110 Asset to Liability - 20 Expense to Borrower - 50 Liability to Borrower - 50 Related Loan to Note Pay To - 3 Current Income to Employers - 84
GUS XML Payload Request File - Final Underwriting request type
| 391.0000 | |||||||
| 1:1 MESSAGE | MISMOReferenceModeldentifier | ||||||
| 1001.0000 | |||||||
| 1:1 ABOUT_VERSIONS | 1002.0000 | 614.0000 | |||||
| 1003.0000 | 1:1 ABOUT_VERSION | DataVersionName | |||||
| 1:1 DEAL_SETS | 1004.0000 | ||||||
| 1:1 DEAL_SET | 1005.0000 | ||||||
| 1:1 DEALS | 1006.0000 | ||||||
| 1:1 DEAL | 1007.0000 | ||||||
| 0:1 ASSETS | 1008.0000 | ||||||
| 1023.0000 | 0:110 ASSET | Repeats for each asset listed for all borrowers | |||||
| 1:1 COLLATERALS | 1024.0000 | ||||||
| 1045.0000, 1047.0000 | 1:1 COLLATERAL | ||||||
| 0:1 EXPENSES | 1046.0000, 1048.0000 | ||||||
| 1052.0000 | 0:53 EXPENSE | Repeats for each URLA Expenses - up to 50 entries |
Up to 3 entries for USDA Household Expenses
| 0:1 LIABILITIES | 1053.0000 | |
| 1061.0000 | 0:50 LIABILITY | Repeats for each liability listed for all borrowers |
| 1:1 LOANS | 1062.0000 | |
| 1110.0000 | 1:4 LOAN | 1 subject loan and up to 3 subordinate liens allowed |
| 1:1 PARTIES | 1111.0000, 1206.0000, 1216.0000, 1231.0000, 1246.0000, 1254.0000, 1262.0000, 1271.0000, 1285.0000 | |
| 1292.0000 | 6:24 PARTY | Repeats as required for each PARTY |
Breakdown of PartyRoleType/PartyRoleTypeOtherDescription instances:
Borrower - 5 Lender - 1 LoanOriginationCompany - 1 LoanOriginator - 1 NotePayTo - 3 Other/CommitmentRespondToParty - 5 Other/HomelandSecurityContact - 1 Other/HouseholdMember - 5 PropertyOwner - 2
| 0:1 RELATIONSHIPS | 1122.00 | 1025.00 | 1024.00 | 1075.00 | 1026.00 | 1027.00 | 1021.00 | 1027.00 | ||
| 1299.0000 | 0:317 RELATIONSHIP | Repeats as required to define all relationships (ArcRoles) |
Breakdown of RELATIONSHIP instances:
Asset to Borrower - 110 Asset to Liability - 20 Expense to Borrower - 50 Liability to Borrower - 50 Related Loan to Note Pay To - 3 Current Income to Employers - 84
| 0:1 DOCUMENT_SETS | 1300.0000 | |
| 0:11 DOCUMENT_SET | Repeats as required to for up to 10 embedded documents and 1 instance of ExecutionDate |
GUS XML Payload Request File - Submit Application Documents request type
| 391.0000 | ||||||||
| 1:1 MESSAGE | MISMOReferenceModeldentifier | |||||||
| 1001.0000 | ||||||||
| 1:1 ABOUT_VERSIONS | 1002.0000 | 614.0000 | ||||||
| 1003.0000 | 1:1 ABOUT_VERSION | DataVersionName | ||||||
| 1:1 DEAL_SETS | 1004.0000 | |||||||
| 1:1 DEAL_SET | 1005.0000 | |||||||
| 1:1 DEALS | 1006.0000 | |||||||
| 1:1 DEAL | 1061.0000 | |||||||
| 1:1 LOANS | 1062.0000 | |||||||
| 1:1 LOAN | 1 subject loan | |||||||
| 1299.0000 | ||||||||
| 1:1 DOCUMENT_SETS | 1300.0000 | |||||||
| 1:10 DOCUMENT_SET | Repeats as required to for up to 10 embedded documents | |||||||
| GUS XML Payload Request File - Systematic Alien Verification for Entitlements (SAVE) request type |
| 391.0000 | |||||||
| 1:1 MESSAGE | MISMOReferenceModeldentifier | ||||||
| 1001.0000 | |||||||
| 1:1 ABOUT_VERSIONS | 1002.0000 | 614.0000 | |||||
| 1003.0000 | 1:1 ABOUT_VERSION | DataVersionName | |||||
| 1:1 DEAL_SETS | 1004.0000 | ||||||
| 1:1 DEAL_SET | 1005.0000 | ||||||
| 1:1 DEALS | 1006.0000 | ||||||
| 1:1 DEAL | 1023.0000 | ||||||
| 1:1 COLLATERALS | 1024.0000 | ||||||
| 1061.0000 | 1:1 COLLATERAL | ||||||
| 1:1 LOANS | 1062.0000 | ||||||
| 1110.0000 | 1:1 LOAN | 1 subject loan | |||||
| 1:1 PARTIES | 1111.0000, 1262.0000 | ||||||
| 2:6 PARTY | Repeats as required for each PARTY |
Breakdown of PartyRoleType/PartyRoleTypeOtherDescription instances:
Borrower - 5 Other/HomelandSecurityContact - 1
7-GUS Mapping
| Guaranteed Underwriting System (GUS) v3.0.0 Mapping | ||||||||
| ID Reference | MISMO v3.4 Information with GUS Extension Details | URLA Form/RD Supplemental Data Document/Form 3555-21 Details and Context | Other Label | Implementation Information | Conditionality Details Per Request Type | |||
| XML Sort ID | GUS Unique ID | MISMO v3.4/Extension Xpath | Parent Container | Cardinality |
for Preliminary UW MIN:MAX Cardinality for Final UW
| MIN:MAX | Data Point/Attribute Name | Data Point/Attribute Definition | GUS Supported Enumerations/Attribute Naming Convention | Data Point Format | Loan Role Type | Party Role Type | Form Section Name | Form Field ID | Form Field Name | Other Label | GUS Implementation Notes | Property Eligibility | Conditionality Details for Property Eligibility | Income Eligibility | Conditionality Details for Income Eligibility | Property & Income Eligibility | Conditionality Details for Property & Income Eligibility | Preliminary Underwriting | Conditionality Details for Preliminary Underwriting | Final Underwriting | Conditionality Details for Final Underwriting | Submit Application Documents | Conditionality Details for Submit Application Documents | Systematic Alien Verification for Entitlements (SAVE) | Conditionality Details for Systematic Alien Verification for Entitlements (SAVE) | |||
| 1.00 | 391.0000 | MESSAGE | MESSAGE | @MISMOReferenceModelIdentifier | The MISMO Reference Model Identifier is a unique value that represents the version of the MISMO reference model to which the containing XML instance document complies. | 3.4.032420160128 | String 30 | NA | NA | NA | MESSAGE | Required to set the context for MISMO reference Model version. | R | R | R | R | R | R | R | |||||||||
| 2.00 | 1001.0000 | MESSAGE/ABOUT_VERSIONS | ABOUT_VERSIONS | 1:1 | 1:1 | XML | ||||||||||||||||||||||
| 3.00 | 1002.0000 | MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION | ABOUT_VERSION | 1:1 | 1:1 | XML | ||||||||||||||||||||||
| 4.00 | 614.0000 | MESSAGE/ABOUT_VERSIONS/ABOUT_VERSION | ABOUT_VERSION | DataVersionName | Identifies the type of data file. | USDA_GUSSpecification |
| String as Enumerated | NA | NA | NA | MESSAGE | Must equal 'USDA_GUSSpecification' | R | R | R | R | R | R | R | ||||||||||||||
| 5.00 | END - ABOUT_VERSION/ABOUT_VERSIONS | CONTAINER END | ||||||||||||||||||||||||
| 6.00 | 1003.0000 | MESSAGE/DEAL_SETS | DEAL_SETS | 1:1 | 1:1 | XML | ||||||||||||||||||||
| 7.00 | 1004.0000 | MESSAGE/DEAL_SETS/DEAL_SET | DEAL_SET | 1:1 | 1:1 | XML | ||||||||||||||||||||
| 8.00 | 1005.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS | DEALS | 1:1 | 1:1 | XML | ||||||||||||||||||||
| 9.00 | 1006.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL | DEAL | 1:1 | 1:1 | XML | ||||||||||||||||||||
| 10.00 | 1007.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS | ASSETS | 0:1 | 0:1 | XML | ||||||||||||||||||||
| 11.00 | 1008.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET | ASSET | 0:110 | 0:110 | XML | ||||||||||||||||||||
| 12.00 | 122.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET | ASSET | @SequenceNumber | An integer value used to provide an order to multi-instance sibling elements. The value must be unique for each sibling element. | Numeric 4 | NA | NA | NA | Unique number to identify ASSET Record | O | O | O | C | Unique number required per ASSET Record | C | Unique number required per ASSET Record | O | O | |||||||
| 13.00 | 123.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET | ASSET | @xlink:label | Defines the endpoint of a relationship between two elements | ASSET_n | String 35 | NA | NA | NA | Links asset to borrower | O | O | O | C | Unique value required per ASSET Record | C | Unique value required per ASSET Record | O | O | ||||||
| 14.00 | 1009.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL | ASSET_DETAIL | 0:1 | 0:1 | XML | ||||||||||||||||||||
| 15.00 | 126.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL | ASSET_DETAIL | AssetAccountIdentifier | A unique alphanumeric string identifying an asset. | String 30 | 2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have | 2a.3 | Account Number | Assets | Should only be passed for non-REO and non-gift/grant related AssetType values (only Assets listed in Section 2.a) | O | O | O | O | C | If AssetType is an URLA Section 2a. Asset Type (non-REO and non gift/grant related Asset Type) | O | O | |||||||
| 16.00 | 127.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL | ASSET_DETAIL | AssetCashOrMarketValueAmount | The cash or market value amount of the Asset Type. The market value is the price at which an asset is transferred between a willing buyer and a willing seller. Market value and cash values tend to be equal. | Amount 9.2 | 2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have | 2b. Other Assets and Credits You Have | 4d. Gifts or Grants You Have Been Given or Will Receive for This Loan | 2a.4 | 2b.2 | 4d.4 | Cash or Market Value | Assets (All) | For each data set where AssetType is populated the AssetCashOrMarketValueAmount must be > 0 | O | O | O | C | If AssetType is populated | C | If AssetType is populated | O | O | ||||||
| 17.00 | 124.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL | ASSET_DETAIL | AssetType | A value from a MISMO prescribed list that specifies financial assets in a mortgage loan transaction. Assets may be either liquid or fixed and are associated with a corresponding asset amount. | Section 2a. |
Bond | BridgeLoanNotDeposited | CertificateOfDepositTimeDeposit | CheckingAccount | IndividualDevelopmentAccount | LifeInsurance | MoneyMarketFund | MutualFund | RetirementFund | SavingsAccount | Stock | StockOptions | TrustAccount
Section 2b.
CashOnHand | Other | PendingNetSaleProceedsFromRealEstateAssets | ProceedsFromSaleOfNonRealEstateAsset | ProceedsFromSecuredLoan | ProceedsFromUnsecuredLoan
Section 4d.
| GiftOfCash | GiftOfPropertyEquity | Grant | Enumerated | 2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have | 2b. Other Assets and Credits You Have | 4d. Gifts or Grants You Have Been Given or Will Receive for This Loan | 2a.1 | 2b.1 | 4d.1 | Account Type | Assets | Asset Type | Assets (All) | O | O | O | C | If borrower has one of applicable assets | C | If borrower has one of applicable assets | O | O | |||||||||||||
| 18.00 | 132.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL | ASSET_DETAIL | AssetTypeOtherDescription | A free-form text field used to collect additional information when Other is selected as the Asset Type. | OtherLiquidAsset | OtherNonLiquidAsset | String as Enumerated | 2b. Other Assets and Credits You Have | 2b.1 | Assets | Assets | O | O | O | C | If AssetType = 'Other' | C | If AssetType = 'Other' | O | O | |||||||
| 19.00 | 211.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL | ASSET_DETAIL | FundsSourceType | A value from a MISMO prescribed list that specifies the party providing the associated funds. | CommunityNonProfit | Employer | FederalAgency | Lender | LocalAgency | Other | Parent | Relative | ReligiousNonProfit | StateAgency | UnmarriedPartner | UnrelatedFriend | Enumerated | 4d. Gifts or Grants You Have Been Given or Will Receive for This Loan | 4d.3 | Source | Assets (Gift) | O | O | O | C | IF AssetType = 'GiftOfCash' OR 'GiftOfPropertyEquity' OR 'Grant' | C | IF AssetType = 'GiftOfCash' OR 'GiftOfPropertyEquity' OR 'Grant' | O | O | |||||||
| 20.00 | 212.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL | ASSET_DETAIL | FundsSourceTypeOtherDescription | A free-form text field that specifies the enumeration when the value of Other is used for Funds Source Type. | String 80 | 4d. Gifts or Grants You Have Been Given or Will Receive for This Loan | 4d.3 | Source | Assets (Gift) | O | O | O | C | IF FundsSourceType = 'Other' | C | IF FundsSourceType = 'Other' | O | O | ||||||||
| 21.00 | 1010.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL/EXTENSION | EXTENSION | 0:1 | 0:1 | XML | |||||||||||||||||||||
| 22.00 | 1011.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL/EXTENSION/OTHER | OTHER | 0:1 | 0:1 | XML | |||||||||||||||||||||
| 23.00 | 1012.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL/EXTENSION/OTHER/ulad:ASSET_DETAIL_EXTENSION | ulad:ASSET_DETAIL_EXTENSION | 0:1 | 0:1 | XML | |||||||||||||||||||||
| 24.00 | 210.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_DETAIL/EXTENSION/OTHER/ulad:ASSET_DETAIL_EXTENSION | ulad:ASSET_DETAIL_EXTENSION | ulad:IncludedInAssetAccountIndicator | When true, indicates that item is included in the value of an asset account being reported by a borrower. | false | true | Boolean | 4d. Gifts or Grants You Have Been Given or Will Receive for This Loan | 4d.2 | Deposited | Not Deposited | Assets (Gift) | O | O | O | C | IF AssetType = 'GiftOfCash' OR 'Grant' | C | IF AssetType = 'GiftOfCash' OR 'Grant' | O | O | |||||||
| 25.00 | END - ulad:ASSET_DETAIL_EXTENSION | OTHER | EXTENSION | ASSET_DETAIL | CONTAINER END | |||||||||||||||||||||||||
| 26.00 | 1013.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_HOLDER | ASSET_HOLDER | 0:1 | 0:1 | XML | |||||||||||||||||||||
| 27.00 | 1014.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_HOLDER/NAME | NAME | 0:1 | 0:1 | XML | |||||||||||||||||||||
| 28.00 | 125.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/ASSET_HOLDER/NAME | NAME | FullName | The unparsed name of either an individual or a legal entity. | String 150 | 2a. Assets - Bank Accounts, Retirement, and Other Accounts You Have | 2a.2 | Financial Institution | Assets | Should only be passed for non-REO and non-gift/grant related AssetType values (only Assets listed in Section 2.a) | O | O | O | O | C | If AssetType is an URLA Section 2a. Asset Type (non-REO and non gift/grant related Asset Type) | O | O | ||||||||
| 29.00 | END - NAME | ASSET_HOLDER | CONTAINER END | |||||||||||||||||||||||||
| 30.00 | 1015.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY | OWNED_PROPERTY | 0:1 | 0:1 | XML | Repeat ASSET (not OWNED_PROPERTY) for each REO property. | ||||||||||||||||||||
| 31.00 | 1016.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/OWNED_PROPERTY_DETAIL | OWNED_PROPERTY_DETAIL | 0:1 | 0:1 | XML | |||||||||||||||||||||
| 32.00 | 163.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/OWNED_PROPERTY_DETAIL | OWNED_PROPERTY_DETAIL | OwnedPropertyDispositionStatusType | A value from a MISMO prescribed list that specifies the intended disposition of an owned real property. | PendingSale | Retain | Sold | Enumerated | 3a. Property You Own | 3b. IF APPLICABLE | 3a.4 | Status: (Sold, Pending Sale, or Retained) | Owned Property | O | O | O | C | If Real Estate Asset exists | C | If Real Estate Asset exists | O | O | |||||||
| 33.00 | 164.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/OWNED_PROPERTY_DETAIL | OWNED_PROPERTY_DETAIL | OwnedPropertyMaintenanceExpenseAmount | The total monthly amount for insurance, property taxes, association dues and other housing expenses on the owned real property. | Amount 9.2 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.6 | Monthly Insurance, Taxes, Association Dues, etc. | Owned Property | If LiabilityPaymentIncludesTaxesInsuranceIndicator = 'true' then it is assumed this value is included in the LiabilityMonthlyPaymentAmount. Therefore, do not populate this field | O | O | O | C | IF LiabilityPaymentIncludesTaxesInsuranceIndicator = 'false' | C | IF LiabilityPaymentIncludesTaxesInsuranceIndicator = 'false' | O | O | |||||||
| 34.00 | 165.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/OWNED_PROPERTY_DETAIL | OWNED_PROPERTY_DETAIL | OwnedPropertyRentalIncomeGrossAmount | The amount of revenue generated by the owned property from rent on a monthly basis. | Amount 9.2 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.7 | Monthly Rental Income | Owned Property | O | O | O | C | If OwnedPropertyDispositionStatusType = 'Retain' AND PropertyUsageType = 'Investment' | C | If OwnedPropertyDispositionStatusType = 'Retain' AND PropertyUsageType = 'Investment' | O | O | ||||||||
| 35.00 | 166.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/OWNED_PROPERTY_DETAIL | OWNED_PROPERTY_DETAIL | OwnedPropertyRentalIncomeNetAmount | The amount of the rental income that is net of mortgage payments, insurance, maintenance, taxes, and miscellaneous expenses that is generated by the owned property on a monthly basis. | Amount 9.2 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.8 | Net Monthly Rental Income | Owned Property | GUS will auto-calculate Net Monthly Rental Income as follows: OwnedPropertyRentalIncomeGrossAmount multiplied by 75% (i.e. vacancy factor) less the OwnedPropertyMaintenanceExpenseAmount less the LiabilityMonthlyPaymentAmount (if not designated as LiabilityExclusionIndicator=True or LiabilityPayoffStatusIndicator=True). To override the GUS auto-calculation for Net Monthly Rental Income the datapoint OwnedPropertyRentalIncomeNetAmount must be populated with the desired override amount. The OwnedPropertyRentalIncomeNetAmount can be a positive, negative or zero amount. | O | O | O | C | If OwnedPropertyDispositionStatusType = 'Retain' AND PropertyUsageType = 'Investment' |
See implementation notes C If OwnedPropertyDispositionStatusType = 'Retain' AND PropertyUsageType = 'Investment'
| See implementation notes | O | O | |||||||||||||||||||||||
| 36.00 | 153.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/OWNED_PROPERTY_DETAIL | OWNED_PROPERTY_DETAIL | OwnedPropertySubjectIndicator | When true, indicates that the owned property is the subject property. | false | true | Boolean | 3a. Property You Own | 3b. IF APPLICABLE | 3a.1 | Property You Own | Owned Property | O | O | O | C | If Real Estate Asset exists | C | If Real Estate Asset exists | O | O | |||||
| 37.00 | END - OWNED_PROPERTY_DETAIL | CONTAINER END | |||||||||||||||||||||||
| 38.00 | 1017.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY | PROPERTY | 0:1 | 0:1 | XML | |||||||||||||||||||
| 39.00 | 1018.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/ADDRESS | ADDRESS | 0:1 | 0:1 | XML | Only one ADDRESS may be provided per PROPERTY container. | ||||||||||||||||||
| 40.00 | 154.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/ADDRESS | ADDRESS | AddressLineText | The address with the address number, pre-directional, street name, post-directional, address unit designators and address unit value. | String 50 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.2.1 | Street | Owned Property | O | O | O | C | If Real Estate Asset exists | C | If Real Estate Asset exists | O | O | ||||||
| 41.00 | 156.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/ADDRESS | ADDRESS | AddressUnitIdentifier | The identifier value associated with the Secondary Address Unit Designator. Example: 123, C, B1C, etc. | String 11 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.2.2 | Unit # | Owned Property | O | O | O | O | O | O | O | ||||||||
| 42.00 | 157.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/ADDRESS | ADDRESS | CityName | The name of the city or Military APO FPO designation. | String 35 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.2.3 | City | Owned Property | Only the following special characters are allowed: (‘), (-), (&) and (.) | O | O | O | C | If Real Estate Asset exists | C | If Real Estate Asset exists | O | O | |||||
| 43.00 | 624.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/ADDRESS | ADDRESS | CountryCode | The two-character representation of the country. | String 2 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.2.6 | Country | Owned Property | The USDA specification is expecting a two-character code from the International Organization for Standardization (ISO) 3166-1-alpha-2 code list at: | ||||||||||||||
| http://www.iso.org/iso/country_codes/iso_3166_code_lists/country_names_and_code_elements.htm | O | O | O | O | O | O | O | ||||||||||||||||||
| 44.00 | 159.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/ADDRESS | ADDRESS | PostalCode | The postal code (ZIP Code in the US) for the address. ZIP Code may be either 5 or 9 digits. | String 9 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.2.5 | Zip | Owned Property | MISMO 3.4 does not separate out the 5 digit zip code from the 9 digit zip plus four. It is one field for both and should only be either 5 digits or 9 digits, no dashes or hyphens are accepted. |
| Only numeric values are permitted. | O | O | O | C | If Real Estate Asset exists | C | If Real Estate Asset exists | O | O | ||||||||||||||||
| 45.00 | 158.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/ADDRESS | ADDRESS | StateCode | The two-character representation of the US state, US Territory, Canadian Province, Military Address abbreviation of AE, AP, AA or Territory. | String 2 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.2.4 | State | Owned Property | O | O | O | C | If Real Estate Asset exists | C | If Real Estate Asset exists | O | O | ||||||
| 46.00 | 1019.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_DETAIL | PROPERTY_DETAIL | 0:1 | 0:1 | XML | |||||||||||||||||||
| 47.00 | 160.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_DETAIL | PROPERTY_DETAIL | PropertyEstimatedValueAmount | A statement of the estimated present market value of the property that is from the borrower or loan originator. | Amount 9.2 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.3 | Property Value | Owned Property | Value > 0 required if PropertyValuationAmount does not exist for specific Real Estate Asset Record | O | O | O | C | If Real Estate Asset exists AND PropertyValuationAmount does not exist | C | If Real Estate Asset exists AND PropertyValuationAmount does not exist | O | O | |||||
| 48.00 | 625.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_DETAIL | PROPERTY_DETAIL | PropertyUsageType | A value from a MISMO prescribed list that specifies the intended usage of the property by the borrower. | Investment | PrimaryResidence | SecondHome | Enumerated | 3a. Property You Own | 3b. IF APPLICABLE | 3a.5 | Intended Occupancy: Investment, Primary Residence, Second Home, Other | Owned Property | O | O | O | C | If Real Estate Asset exists AND OwnedPropertyDispositionStatusType = 'Retain' | C | If Real Estate Asset exists AND OwnedPropertyDispositionStatusType = 'Retain' | O | O | |||||
| 49.00 | END - PROPERTY_DETAIL | CONTAINER END | |||||||||||||||||||||||
| 50.00 | 1020.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_VALUATIONS | PROPERTY_VALUATIONS | 0:1 | 0:1 | XML | |||||||||||||||||||
| 51.00 | 1021.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION | PROPERTY_VALUATION | 0:1 | 0:1 | XML | |||||||||||||||||||
| 52.00 | 1022.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL | PROPERTY_VALUATION_DETAIL | 0:1 | 0:1 | XML | |||||||||||||||||||
| 53.00 | 162.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/ASSETS/ASSET/OWNED_PROPERTY/PROPERTY/PROPERTY_VALUATIONS/PROPERTY_VALUATION/PROPERTY_VALUATION_DETAIL | PROPERTY_VALUATION_DETAIL | PropertyValuationAmount | Statement of value of the property from a valid property valuation source. | Amount 9.2 | 3a. Property You Own | 3b. IF APPLICABLE | 3a.3 | Property Value | Owned Property | Value > 0 required if PropertyEstimatedValueAmount does not exist for specific Real Estate Asset record | O | O | O | C | If Real Estate Asset exists AND PropertyEstimatedValueAmount does not exist | C | If Real Estate Asset exists AND PropertyEstimatedValueAmount does not exist | O | O | |||||
| 54.00 | END - PROPERTY_VALUATION_DETAIL | PROPERTY_VALUATION | PROPERTY_VALUATIONS | PROPERTY | OWNED_PROPERTY | ASSET | ASSETS | CONTAINER END | |||||||||||||||||||||||
| 55.00 | 1023.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS | COLLATERALS | 1:1 | 1:1 | XML | |||||||||||||||||||
| 56.00 | 1024.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL | COLLATERAL | 1:1 | 1:1 | XML | |||||||||||||||||||
| 57.00 | 1025.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY | SUBJECT_PROPERTY | 1:1 | 1:1 | XML | |||||||||||||||||||
| 58.00 | 1026.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS | ADDRESS | 1:1 | 1:1 | XML | |||||||||||||||||||
| 59.00 | 181.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS | ADDRESS | AddressLineText | The address with the address number, pre-directional, street name, post-directional, address unit designators and address unit value. | String 50 | 4a. Loan and Property Information | 4a.3.1 | Street | Subject Property | R | R | R | R | R | O | O | ||||||||
| 60.00 | 183.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS | ADDRESS | AddressUnitIdentifier | The identifier value associated with the Secondary Address Unit Designator. Example: 123, C, B1C, etc. | String 11 | 4a. Loan and Property Information | 4a.3.2 | Unit # | Subject Property | O | O | O | O | O | O | O | ||||||||
| 61.00 | 184.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS | ADDRESS | CityName | The name of the city or Military APO FPO designation. | String 35 | 4a. Loan and Property Information | 4a.3.3 | City | Subject Property | Only the following special characters are allowed: (‘), (-), (&) and (.) | R | R | R | R | R | O | O | |||||||
| 62.00 | 187.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS | ADDRESS | CountyName | The name of the county within a state. (Designator Name based on FIPS Publication 6-4) | String 40 | 4a. Loan and Property Information | 4a.3.6 | County | Subject Property | O | O | O | O | O | O | O | ||||||||
| 63.00 | 186.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS | ADDRESS | PostalCode | The postal code (ZIP Code in the US) for the address. ZIP Code may be either 5 or 9 digits. | String 9 | 4a. Loan and Property Information | 4a.3.5 | Zip | Subject Property | MISMO 3.4 does not separate out the 5 digit zip code from the 9 digit zip plus four. It is one field for both and should only be either 5 digits or 9 digits, no dashes or hyphens are accepted. |
| Only numeric values are permitted. | R | R | R | R | R | O | O | ||||||||||||||||
| 64.00 | 185.0000 | MESSAGE/DEAL_SETS/DEAL_SET/DEALS/DEAL/COLLATERALS/COLLATERAL/SUBJECT_PROPERTY/ADDRESS | ADDRESS | StateCode | The two-character representation of the US state, US Territory, Canadian Province, Military Address abbreviation of AE, AP, AA or Territory. | String 2 | 4a. Loan and Property Information | 4a.3.4 | State | Subject Property | R | R | R | R | R | O | R |
This is the start of the file's text. The full file is on GovTribe.
File details come from the government source that posted it. Updated .