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Step 2 Bulk Filing Instructions

Each Step 2 bulk filing must contain two parts: (1) the ‘Header’ and (2) the ‘Detail.’ 

Each individual filing will have one ‘Header’ entry and one or more ‘Detail’ entries, depending on the level of detail required.

The Header document will contain high level information for each filing submitted as part of the bulk filing.  Each filing will be represented by one line entry in the Header document.

Each line item, or mortgage, listed in the Header document will also appear in the Detail document. However, in the Detail document, each loan may include a number of entries.

All the ‘Header’ records in a bulk filing must be combined into one text file. All the corresponding ‘Detail’ records must be combined into another text file. These two files must be uploaded at the same time.

The level and amount of Detail information required is driven by whether or not the loan is investor owned.  Please see the attached flow chart for a visual representation of the information required.

 

Not Investor Owned:

If loan is NOT investor owned, the Detail record(s) will contain the lien holder information and possibly the agent of lien holder information.  If there is more than one lien holder, list each lien holder on a separate detail line.  If there is an agent of lien holder list the agent of lien holder information on a separate detail line.

Example:

Header Information:
RECORD TYPE TRACKING NUM DATEUSPENDING MAILING FLG LOAN INVESTOR OWNED FLG LOAN SECURITIZED FLG AGENT OF LIEN HOLDER
HDR NYS888888 9302010 N   Y

Detail Information:

RECORD TYPE TRACKING NUM TYPE ENTITY NAME ENTITY  
DTL NYS888888 LHR ABClien holder  
DTL NYS888888 LHR XYZ lien holder  
DTL NYS888888 ALH AAA Agent Name  

Investor Owned and Not Securitized:

If a loan IS investor owned and NOT securitized, the Detail record(s) will contain investor information.  If there is more than one investor, list each investor on a separate detail line.

Example:

Header Information:

RECORD TYPE TRACKING NUM   DATE US PENDING MAILING FLG LOAN INVESTOR OWNED FLG LOAN SECURITEZED FLG AGENT OF LIEN HOLDER
HDR NYS555555   10012010 Y N  

Detail Information:

RECORD TYPE TRACKING NUM TYPE ENTITY NAME ENTITY  
DTL NYS555555 INV ZZZ INVESTOR  
DTL NYS555555 INV YYY INVESTOR  

Investor Owned and Securitized:

If a loan IS investor owned, and IS securitized, the detail records will contain the trustee or manager information and investor information.  Please list each trustee or manager and each investor on a separate detail line.  Please note that in this case, the investor information will be considered complete if the name of the investor(s) is provided.

Example:

Header Information:
RECORD TYPE TRACKING NUM   DATE US PENDING MAILING   FLG LOAN INVESTOR OWNED FLG LOAN INVESTOR OWNED FLG AGENT OF LIEN HOLDER
HDR NYS333333   10102010   Y Y  

Detail Information:

RECORD TYPE TRACKING NUM TYPE ENTITY NAME ENTITY  
DTL NYS333333 TTE AB Trustee  
DTL NYS333333 INV III Investor  
DTL NYS333333 INV NNN Investor