Pre-Foreclosure Filing System

Step 2 Bulk Filing Directions: Where Step 1 was filed before January 1, 2014 - Effective January 1, 2014

General 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	1234	9302010	N		Y

Detail Information:

RECORD TYPE	TRACKING NUM	TYPE ENTITY	NAME ENTITY
DTL	1234	LHR	ABC lien holder
DTL	1234	LHR	XYZ lien holder
DTL	1234	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	55555		10012010	Y	N

Detail Information:

RECORD TYPE	TRACKING NUM	TYPE ENTITY	NAME ENTITY
DTL	55555	INV	ZZZ INVESTOR
DTL	55555	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 SECURITIZED	FLG AGENT OF LIEN HOLDER
HDR	333		10102010		Y	Y

Detail Information:

RECORD TYPE	TRACKING NUM	TYPE ENTITY	NAME ENTITY
DTL	333	TTE	AB Trustee
DTL	333	INV	III Investor
DTL	333	INV	NNN Investor

Step 2 (Intermediate) ‐ File Specification ‐ Header Record

Data File Requirements

Data format : ASCII delimited text file
Field Separator : Tilde (~)
Record Separator : LF (Line Feed)

File Layout (Required fields must be filled if applicable):

Row Number	Column Name	Data Type	Maximum Width	Required?	Notes/ Sample
1	RECORD_TYPE	Alphanumeric	3	Y	Indicate the type of record. Please use HDR ‐ Header record DTL ‐ Detail record
2	TRACKING_NUM_ORIG_FILING	Alphanumeric	13	Y	Tracking Number (from the 90 day pre‐foreclosure filing Step1)
3	FLG_NEW_SERVICER	Alphanumeric	1	Y	Has the servicer changed since the original filing with the Department? Please use code below: Y ‐ Yes N ‐ No
4	LAST_NAME_OF_PRI_BORROWER	Alphanumeric	150	*	Last name of Primary Borrower *Required if Line 3 is ‘Y’
5	ZIP5_PROPERTY	Alphanumeric	5	*	*Required if Line 3 is ‘Y’
6	DATE_LIS_PENDENS_MAILING	Numeric	8	Y	Format: MMDDYYYY
7	LOAN_REFERENCE_NUMBER_STEP2	Alphanumeric	20	Y	Your reference number for this loan. Loan ID may be used.
8	EMAIL_TRACKING_STEP2	Alphanumeric	150	Y	Email to receive Step 2 filing confirmation
9	CONTACT_NAME_STEP2	Alphanumeric	50	Y	Name of contact person for queries about this filing
10	CONTACT_PHONE_STEP2	Alphanumeric	10		Phone of contact person for queries about this filing
11	CONTACT_PHONE_EXT_STEP2	Alphanumeric	10		Phone extension of contact person for queries about this filing
12	FLG_ LOAN_INVESTER_OWNED	Alphanumeric	1	Y	Is the loan Investor owned? (‘Investor owned’ includes but is not limited to, loans with GSEs or other federal, state or municipal agencies)ease use code below: Y – Yes N – No If yes, please provide beneficial investor(s) and Manager(s)/Trustee(s) details, using detail record. If no, please provide lien holder(s) as applicable, using detail record.
13	FLG_ LOAN_SECURITIZED	Alphanumeric	1	*	Required if line 12 is ‘Y’ Is the loan securitized? Please use code below: Y – Yes N – No If yes, please provide Trustee(s)/Manager(s) and Investor(s) details using detail record. If no, Please provide Investor(s) information using detail record.
14	FLG_AGENT_OF_LIEN_HOLDER	Alphanumeric	1	*	Is there an Agent for Lien Holder? Please use code below: Y – Yes N – No If yes, please provide Agent of Lien Holder details using detail record. * Required if line 12 is ‘N’
15	LOAN_CURRENT_RATE	Numeric	6	Y	Current Interest Rate at time of mailing lis pendens Up to 3 decimal points – (example 07.875 or 7.875)
16	LOAN_DEFAULT_RATE	Numeric	6	Y	Default Interest Rate Up to 3 decimal points – (example 07.875 or 7.875)
17	LOAN_CUR_CONTRACTUAL_AMT_DUE	Numeric	11	Y	Contractual payment due and owing to bring loan current at time of mailing lis pendens Please round to the nearest dollar
18	LOAN_CUR_LATE_FEES	Numeric	9	Y	Late Fees due and owing to bring loan current at time of mailing lis pendens Please round to the nearest dollar
19	LOAN_CUR_OTHER_AMT	Numeric	9	Y	Other amount due and owing to bring loan current at time of mailing lis pendens Please round to the nearest dollar
20	TRUST_ PERMITS_ LOAN_MOD	Alphanumeric	1	*	If the loan is securitized, specify whether the trust permits loan modification: Y‐ Yes N‐ No * Required if loan is securitized
21	NO_MOD_REFERENCE	Alphanumeric	40	*	Cite specific section or paragraph of the Pooling and Servicing Agreement that contains the prohibition on modifications. * Required if modification is not permitted.

Step 2 (Intermediate) ‐ File Specification ‐ Detail Record

Data File Requirements

Data format : ASCII delimited text file
Field Separator : Tilde (~)
Record Separator : LF (Line Feed)

File Layout (Required fields must be filled if applicable):

Row Number	Column Name	Data Type	Maximum Width	Required?	Notes/ Sample
1	RECORD_TYPE	Alphanumeric	3	Y	Indicate the type of record. Please use HDR ‐ Header record DTL ‐ Detail record
2	TRACKING_NUM_ORIG_FILING	Alphanumeric	13	Y	Tracking Number (form the 90 day pre foreclosure filing Step1)
3	TYPE_ENTITY	Alphanumeric	3	Y	INV – Investor LHR – Lien Holder ALH – Agent of Lien Holder TTE – Trustee MGR – Manager IGR – Investor Group (only name required – see flow chart)
4	CODE_ENTITY	Numeric	10	*	Download Entity Code Table from website. Required if all other entity info
5	NAME_ENTITY	Alphanumeric	150	*	Company Name – required if line 4 is blank
6	NAME_DBA_ ENTITY	Alphanumeric	150		Doing Business As name if used
7	FLG_FOREIGN_ADDRESS	Alphanumeric	1	*	Is the company address foreign – required if line 4 is blank Y – Yes N – No
8	ADDR_LIN1_ ENTITY	Alphanumeric	50	*	Street address line 1(Street or P O box) – required if line 4 is blank and line 7 is ‘N’
9	ADDR_LIN2_ ENTITY	Alphanumeric	50		Street Address line 2
10	ADDR_CITY_ ENTITY	Alphanumeric	30	*	City – required if line 4 is blank and line 7 is ‘N’
11	ADDR_STATE_ ENTITY	Alphanumeric	2	*	Please use abbreviated state code – required if line 4 is blank and line 7 is
12	ADDR_ZIP5_ ENTITY	Numeric	5	*	Zip code – required if line 4 is blank and line 7 is ‘N’
13	ADDR_ZIP4_ ENTITY	Numeric	4		4 digit extended Zip code
14	PHONE_MAIN_ ENTITY	Numeric	10	*	Main phone number of company – required if line 4 is blank and line 7 is N’
15	PHONE_MAIN_ EXT_ ENTITY	Numeric	10		Main Phone extension
16	PHONE_ALT_ ENTITY	Numeric	10		Alternate phone number of entity No formatting characters – example : 8005551212
17	PHONE_ALT_EXT_ ENTITY	Numeric	10		Alternate Phone Extension
18	EMAIL_ ENTITY	Alphanumeric	100		Email of Servicer
19	ADDR_COUNTRY _ ENTITY	Alphanumeric	2	*	Required if line 7 is ‘Y’ Use ISO country codes (iso.org)
20	ADDR_FOREIGN_LIN1_ ENTITY	Alphanumeric	50	*	Required if line 7 is ‘Y’ Foreign address line 1
21	ADDR_FOREIGN_LIN2_ ENTITY	Alphanumeric	50		Foreign address line 2
22	ADDR_FOREIGN_LIN3_ ENTITY	Alphanumeric	50		Foreign address line 3
23	ADDR_FOREIGN_LIN4_ ENTITY	Alphanumeric	50		Foreign address line 4
24	PHONE_FOREIGN_ ENTITY	Alphanumeric	30	*	Required if line 7 is ‘Y’ Foreign phone number