<EMORTGAGE_PACKAGE _ID='HUD_Binder'>
	<KEY _Name='Status' _Value =''/>
	<KEY _Name='StatusMessage' _Value =''/>
	<SMART_DOCUMENT MISMOVersionIdentifier='1.01' PopulatingSystemDocumentIdentifier='FHAVA'>
		<HEADER _ID='FHAVA_Header'>
		<DOCUMENT_INFORMATION MustBeRecordedIndicator='False' NegotiableInstrumentIndicator='False' SMARTDocumentCategoryType='5' _FormNumberIdentifier='OMB-2502-0524' _StateType='Populated' _Type='Other' _CertificateType='HECMCounselingCertificate|HomeOwnershipCertificate' />
		</HEADER>
		<DATA _ID='FHAVA_HECM_COUNSELING_CERTIFICATE|FHAVA_HOMEOWNERSHIP_COUNSELING_CERTIFICATE'>
		 <MAIN>
		  <CERTIFICATE MISMOVersionIdentifier='2.3'>
		   <_APPLICATION>
		    <PROPERTY _City='' _PostalCode='' _State='' _StreetAddress='' />
		    <CLIENT ID='' _FirstName='' _LastName='' _MiddleName='' _NameSuffix='' >
			<_NonBorrowerSpouse _FirstName='' _MiddleInitial='' _LastName='' _NameSuffix=''/>
		    </CLIENT>
		    <POWER_OF_ATTORNEY _FirstName='' _LastName='' _MiddleName='' _NameSuffix=''/>
		   </_APPLICATION>
		   <_CLOSING_DOCUMENTS>
		    <EXECUTION _Date='' />
		    <COUNSELINGAGENCY _UnparsedName='' _CounselingAgencyID='' _City='' _State='' _Street='' _PostalCode='' />
		    <COUNSELINGSESSION _CounselingType='' _StartDate='' _CompletionDate='' _Duration='' _CounselingConductedFace-to-Face='' _CounselingConductedByTelephone='' _UpfrontFee='' _FinancedFee='' _FeeWaived='' _CounselingConductedByOther=''>
			<![CDATA[-conducted by other description-]]>
			<FHA_PROGRAM_DETAILS _CounselingRequiredForSpecificMortgage='' _CounselingRequiredForSpecificProgram='' _ProgramWhichRequiredCounseling='' _CounselingCompletedBeforeContactingLender='' _CounselingCompletedAfterContactingLender=''/>
			<COUNSELING_FEE_DETAILS _PaidAtClosing='' _FeePaidDirectly='' _PaidAtIssueAmount='', _PaidAfterIssueAmount='' _ReimbursementAmount=''>
				<OHC_HUD_COUNSELING_GRANT  _Amount='' _GrantNumber='' _PreClosing=''/>
				<FEES_PAID_BY_LENDER _Amount='' _LenderName='' _PreClosing=''/>
				<NON_HUD_COUNSELING_GRANT  _Amount='' _PreClosing=''><![CDATA[-grant source-]]></NON_HUD_COUNSELING_GRANT>
				<FEES_PAID_BY_OTHER _Amount='' _PreClosing=''><![CDATA[-description-]]></FEES_PAID_BY_OTHER>
			</COUNSELING_FEE_DETAILS>
		    </COUNSELINGSESSION>
		     <FULFILLMENT_PARTY _RoleType='Other' _RoleTypeOtherDescription='Counseler' _Name='' _ID=''>
		      <CONTACT_DETAIL>
			<CONTACT_POINT _Type='Phone' _Value='' />
			<CONTACT_POINT _Type='Name' _Value='' />
		      </CONTACT_DETAIL>
		     </FULFILLMENT_PARTY>
		     <CERTIFICATE_INFORMATION _CertificateID='' _Issued='' _ClientInfluenced='' _CertificateExpirationDate='' _CertificateTemporarilyWithheld=''>
				<![CDATA[-comments-]]>
		     </CERTIFICATE_INFORMATION>
		   </_CLOSING_DOCUMENTS>
		  </CERTIFICATE>
		 </MAIN>
		</DATA>
		<VIEW _ID="FHAVA_HECM_COUNSELING_CERTIFICATE|FHAVA_HOMEOWNERSHIP_COUNSELING_CERTIFICATE" _MIMETypeDescription="application/pdf" _TaggedIndicator="False" _EncodingTypeDescription="Base64">
			<![CDATA[-encoded document- ]]>
		</VIEW>
	</SMART_DOCUMENT>
</EMORTGAGE_PACKAGE>