V3 Contracts

VOL Contract

The following attributes make up the VOL contract.

ATTRIBUTE	DESCRIPTION
id string	System-generated, unique identifier of the VOL in an application in the loan
accountIdentifier string	Account Identifier of the Liability
attention string	Attention To
date string	Date that the VOL was added
exclusionIndicator boolean	Indicates of the VOL should be excluded
holderAddressCity string	City of the VOL holder's address
holderAddressPostalCode string	Postal Code of the VOL holder's address
holderAddressState string	State of the VOL holder's address
holderAddressStreetLine1 string	Street Line 1 of the VOL holder's address
holderComments string	Comments related to the VOL holder
holderEmail string	Email Address of the VOL holder
holderFax string	Fax Number of the VOL holder
holderName string	Name of the VOL holder
holderPhone string	Phone Number of the VOL holder
liabilityType string	Type of Liability
monthlyPaymentAmount number	Monthly Payment Amount
monthsToExclude integer	Number of Months to exclude the payment for this Liability.
nameInAccount string	Name as indicated in the Liability account
noLinkToDocTrackIndicator boolean	Indicates if a verification document has been created in the loan for the liability
owner string	Owner of the Liability
payoffStatusIndicator boolean	Indicates if the liability has been paid off
prepaymentPenaltyAmount number	Prepayment Penalty Amount
printAttachmentIndicator boolean	Indicates if the attachment is to be printed
remainingTermMonths integer	Number of months remaining on the Liability's term
reoProperty EntityRef	Linked REO Property
subjectLoanResubordinationIndicator boolean	Subject Loan Resubordination Indicator
title string	Title of the user verifying the liability
titleFax string	Fax number of the user verifying the liability
titlePhone string	Phone Number of the user verifying the liability
toBePaidOffAmount number	Amount that needs to be paid off
unpaidBalanceAmount string	Unpaid balance amount on the liability
descriptionOfPurpose string	Purpose Description
isDebtNotSecuredToSubjectPropertyIndicator boolean	Indicates if debt is not secured to the subject property
ucdPayoffType string	Type of UCD Payoff
payoffIncludedIndicator boolean	Indicates if the pay off included
printUserNameIndicator boolean	Indicates if the user's name is to be printed
printUserJobTitleIndicator boolean	Job Title of the user verifying the liability
lates12Month30Day integer	Number of 12 month 30 Day late payments
lates24Month30Day string	Number of 24 month 30 Day late payments
lates25Month30Day string	Number of 25 month 30 Day late payments
lates12Month60Day string	Number of 12 month 60 Day late payments
lates24Month60Day string	Number of 24 month 60 Day late payments
lates25Month60Day string	Number of 25 month 60 Day late payments
lates12Month90Day string	Number of 12 month 90 Day late payments
lates24Month90Day string	Number of 24 month 90 Day late payments
lates25Month90Day string	Number of 25 month 90 Day late payments
lates12Month120Day string	Number of 12 month 120 Day late payments
lates24Month120Day string	Number of 24 month 120 Day late payments
lates25Month120Day string	Number of 25 month 120 Day late payments
lates12Month150Day string	Number of 12 month 150 Day late payments
lates24Month150Day string	Number of 24 month 150 Day late payments
lates25Month150Day string	Number of 25 month 150 Day late payments
subjectPropertyIndicator boolean	Subject Property Indicator
currentLienPosition string	Current Lien Position
proposedLienPosition string	Current Lien Position
bankLiabilityConsideredIndicator boolean	Indicates if the bank considers this entry as a liability
creditLimit number	Credit Limit
includeTaxesAndInsuranceIndicator boolean	Indicates if this is included for tax and insurance purposes
mortgageType string	Mortgage Type
otherDescription string	Description if the liability is of any other type
foreignAddressIndicator boolean	Indicates of the Liability is in a foreign address
country string	Country of liability

VOD Contract

The following attributes make up the VOD Contract.

ATTRIBUTE	DESCRIPTION
id string	System-generated, Unique identifier of the VOD entry in the collection.
attention string	Attention to.
depositoryRequestDate string	Request Date of the deposit.
holderAddressCity string	Deposit holder's Address City.
holderAddressPostalCode string	Deposit holder's Postal Code
holderAddressState string	Deposit holder's Address State
holderAddressStreetLine1 string	Deposit holder's Address Line 1
holderComments string	Comments for the Deposit Holder
holderEmail string	Deposit holder's email address
holderFax string	Deposit holder's Fax number
holderName string	Deposit holder's Name
holderPhone string	Deposit holder's Phone Number
includeInAusExport boolean	Indicator if the AUS export should include this VOD.
noLinkToDocTrackIndicator boolean	Read-only. Indicates if there is a linked Verification Document created in the loan for this VOD.
owner string	Owner of the VOD. Possible Values are borrower and coborrower.
printAttachmentIndicator boolean	Indicates if the attachment should be printed
printUserJobTitleIndicator boolean	Indicates if the user's job title should be printed
printUserNameIndicator boolean	Indicates if the user's name should be printed
title string	Title of the user who is verifying the deposit.
titleFax string	Fax Number of the user who is verifying the deposit.
titlePhone string	Phone number of the user who is verifying the deposit.
total number	Total amount of VOD.
foreignAddressIndicator boolean	Indicates if the VOD address is located in a foreign country
country string	Country of VOD
items array	List of Items included in the VOD
item.itemNumber integer	Number of the item under the VOD.
item.type string	Type of Line Item for the VOD. Example: Checking Account.
item.accountIdentifier string	Account Identifier for the VOD Line Item
item.cashOrMarketValueAmount number	Cash or Market Value the VOD Line Item
item.urla2020CashOrMarketValueAmount number	Account Identifier for the VOD Line Item used for URLA 2020 Loans.
item.depositoryAccountName string	Account Depositor Name for the VOD Line Item
item.foreignAddressIndicator boolean	Indicates if the Item is in a foreign country
item.country string	Country of line item deposit.

Non VOL Contract

The following attributes make up the nonVolContract.

ATTRIBUTE	DESCRIPTION
id string	System-generated, unique identifier of the non VOL in the loan
adjustmentDescription string	Description of Adjustment
adjustmentOtherDescription string	Description of Adjustment Type if Other
adjustmentType string	Adjustment Type
adjustmentAmount string	Adjustment Amount
includedIndicator boolean	Indicates if this is included
pocIndicator boolean	POC Indicator
paidBy string	Paid by
principalCureAddendum string	Principal Cure Addendum
paidTo string	Paid To

Employment Contract (VOE)

The following attributes make up the Employment Contract used for verification of employment.

ATTRIBUTE	DESCRIPTION
id string	System-generated, unique identifier of the Employment record
addressCity string	City of Employment
addressPostalCode string	Postal Code of Employment
addressState string	State of Employment
addressStreetLine1 string	Address Street Line 1 of Employment
attention string	Attention To
badgeOrEmployeeId string	Unique ID of the Employee at the Employer organization
basePayAmount number	Base Pay Amount from this employment record
bonusAmount number	Bonus Amount from this employment
businessName string	Employer's Business Name
businessOwnedPercent number	Percentage of Business Owned by the applicant
businessPhone string	Business Phone Number
commissionsAmount number	Commission Amount from this employment
countryCode string	Country Code of Employment
verificationDate string	Date of Verification of Employment
currentEmploymentIndicator boolean	Indicates if this is the current employment record
doesNotApply boolean	Indicates if this employment does not apply
email string	Email address
employerComments string	Comments from Employer
employerName string	Name of the Employer
employmentStartDate string	Start Date of employment
jobTermMonths integer	Number of months in this job
baseIncome number	Base Income Amount
overTime number	Over Time Amount
bonus number	Bonus Amount
commission number	Commission Amount
militaryEntitlement number	Military Entitlement Amount
otherIncome number	Other Income Amount
total number	Total Amount from this Employment
specialEmployerRelationshipIndicator boolean	Indicates if there is a special relationship with the employer
ownershipInterestType string	Type of ownership interest
employmentMonthlyIncomeAmount number	Monthly Income Amount from this employment
endDate string	End Date of the employment if applicable
fax string	Fax Number of the employer
monthlyIncomeAmount integer	Monthly Income amount
noLinkToDocTrackIndicator boolean	Indicates if a corresponding verification document has been created for the employment record
otherAmount number	Other Amount
overtimeAmount number	Overtime Amount
phoneNumber string	Phone Number
positionDescription string	Description of the Employment Position
printAttachmentIndicator boolean	Indicates if the attachment should be printed
printUserJobTitleIndicator boolean	Indicates if the Job title of the user verifying the employment should be printed
printUserNameIndicator boolean	Indicates if the Name of the user verifying the employment should be printed
selfEmployedIndicator boolean	Indicates if the applicant is self-employed
startDate string	startDate of the employment
timeInLineOfWorkMonths integer	Number of months in this line of work
timeInLineOfWorkYears integer	Number of Years in this line of work
timeOnJobTermMonths integer	Number of Months on the job
timeOnJobTermYears integer	Number of Years on the job
title string	Job title
titleFax string	Fax Number
titlePhone string	Phone Number
unitNumber string	Unit Number of employment Address
unitType string	Unit Type of employment Address
urla2020StreetAddress string	Street Address of employment Address for URLA 2020 Application
verificationRequestDate string	Date on which verification was requested
individualEmployer boolean	Indicates of the employer is an individual
militaryEmployer boolean	Indicates of the employer is Military
militaryCombatPay number	Military Combat Pay
militaryFlightPay number	Military Flight Pay
militaryHazardPay number	Military Hazard Pay
militaryOverseasPay number	Military Overseas Pay
militaryPropPay number	Military Prop Pay
clothingAllowance number	Clothing Allowance Amount
rationsAllowance number	Rations Allowance Amount
variableHousingAllowance number	Variable Housing Allowance Amount
quartersAllowance number	Quarters Allowance Amount
otherAllowanceDescription	Description of any other allowances
foreignIncome boolean	Indicates if there is a foreign income
foreignAddressIndicator boolean	Indicates if there is a foreign address for the employment
country string	Country of employment

Residence Contract (VOR)

The following attributes make up the Residence Contract.

ATTRIBUTE	DESCRIPTION
id string	System-generated, unique identifier of the Residence Record
residencyType string	Type of Residence, Mandatory. Possible values are: Prior, Current.
accountName string	Name of the Account Holder
addressCity string	City of Residence address
addressPostalCode string	Postal Code of Residence address
addressState string	State of Residence address
addressStreetLine1 string	Street Line 1 of Residence address
addressCounty string	County of Residence address
addressUnitDesignatorType string	Unit Designator Type of Residence address
addressUnitIdentifier string	Unit Identifier of Residence address
doesNotApplyIndicator boolean	Indicates if this residence does not apply
countryCode string	Country Code of Residence address
county string	County of Residence
durationTermMonths integer	Duration of Stay in the residence in months
durationTermYears integer	Duration of stay in the residence in years
landlordAttention string	Attention to landlord
landlordCity string	City of Landlord
landlordComments string	Comments of Landlord
landlordEmail string	Email Address of Landlord
landlordFax string	Fax Number of Landlord
landlordName string	Name of Landlord
landlordPhone string	Phone number of Landlord
landlordPostalCode string	Postal Code of Landlord
landlordState string	State of Landlord
landlordStreet string	Street Address of Landlord
noLinkToDocTrackIndicator boolean	Indicates if a verification document has been added to the loan for this residence
printAttachmentIndicator boolean	Indicates if an attachment is to be printed
printUserJobTitleIndicator boolean	Indicates if the job title of the user verifying the residence should be printed
printUserNameIndicator boolean	Indicates if the name of the user verifying the residence should be printed
rent integer	Rent Amount for the residence
requestDate string	Request Date
residencyBasisType string	Basis Type of Residence
title string	Title of the user
titleFax string	Fax Number of the user
titlePhone string	Phone Number of the user
urla2020StreetAddress string	Street Address for an URLA 2020 Address
landlordCountry string	Country of the landlord
landlordForeignAddressIndicator boolean	Indicates if the Landlord's address is a foreign address
foreignAddressIndicator boolean	Indicates if the residence is a foreign one
country string	Country of residence
altId string	ReadOnly. altId fields are automatically generated by internal services.

Additional Loan Contract (VOAL)

The following attributes make up the additionalLoanContract.

ATTRIBUTE	DESCRIPTION
id string	System-generated, unique identifier of additional loans in the loan.
borrowerType string	Borrower Type. Possible Values are: Borrower Coborrower * Both
holderName string	Name of the Additional Loans holder.
attention string	Person's name or department.
holderAddressStreetLine1 string	Street Line 1 of the Additional Loans holder's address.
holderAddressCity string	City of the Additional Loans holder's address.
holderAddressState string	State of the Additional Loans holder's address.
holderAddressPostalCode string	Postal Code of the Additional Loans holder's address.
holderPhone string	Phone Number of the Additional Loans holder.
holderFax string	Fax Number of the Additional Loans holder.
holderEmail string	Email Address of the Additional Loans holder.
printUserNameIndicator boolean	Indicates if the user's name is to be printed.
titlePhone string	Phone Number of the user verifying the Additional Loans.
titleFax string	Fax number of the user verifying the Additional Loans.
additionalLoanRequestDate string	Additional Loans Request Date.
printAttachmentIndicator boolean	Indicates if the attachment is to be printed.
printUserJobTitleIndicator boolean	Job Title of the user verifying the Additional Loans.
accountType string	Account Type.
lienPosition string	Lien Position. Possible Values are: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10
monthlyPrincipalAndInterest number	Additional Loans Monthly Principal and Interest.
maximumPrincipalAndInterestIn5Years number	Additional Loans Maximum Principal and Interest within 5 Years.
helocCreditLimitAmount number	Additional Loans : Loan Amount/HELOC Credit Limit.
helocInitialDraw number	Additional Loans HELOC Initial Draw.
amountAppliedToDownpayment number	Additional Loans Amount Applied To Downpayment.
paymentDeferredFirstFiveYears boolean	Additional Loans Payment Deferred First Five Years.
affordableLoan boolean	Additional Loans Affordable Loan Indicator.
linkedPiggybackIndicator boolean	Additional Loans Linked Piggyback Indicator.
monthlyPiNoteRate number	Additional Loans calculator : MonthlyPINoteRate.
monthlyPiTerm integer	Additional Loans MonthlyPITerm.
monthlyPiLoanAmount number	Additional Loans MonthlyPILoanAmount.
maximumPiNoteRate number	Additional Loans : MaximumPINoteRate.
maximumPiTerm integer	Additional Loans MaximumPITerm.
maximumPiLoanAmount number	Additional Loans MaximumPILoanAmount.
individualCreditorIndicator boolean	Indicates if the Creditor is an individual Indicator.
sourceOfFunds string	Source Of Funds. Possible Values are: CommunityNonprofit Employer FederalAgency Institutional Lender LocalAgency Other NonParentRelative Parent Relative ReligiousNonprofit StateAgency UnrelatedFriend UnmarriedPartner