<?xml version="1.0" encoding="windows-1252" ?>
<Envelope>
<Body>
<request>
<EMORTGAGE_PACKAGE _ID='HUD_Binder'>
	<KEY _Name='TransactionMode' _Value=''/>
	<KEY _Name='Requestor' _Value=''/>
	<KEY _Name='Status' _Value=''/>
	<KEY _Name='StatusMessage' _Value=''/>
	<KEY _Name='FHACaseNumber' _Value=''/>
	<KEY _Name='ReferralDate' _Value =''/>
	<KEY _Name='NonReferralReason' _Value=''/>
	<KEY _Name="AuthorityList" _Value=''>
	<![CDATA[
		BORROWERS WERE COUNSELED PRIOR TO MEETING WITH LENDER
		BORROWER ALREADY RECEIVED PERSONAL REFERRAL TO A COUNSELOR
		BORROWER DECLINED REFERRAL LIST
		BORROWER ALREADY RECEIVED LIST FROM HUD
	]]>
	</KEY>
	<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'
			_TypeOtherDescription='HECMCounselingCertificate' />
	</HEADER>
	<DATA _ID='FHAVA_HECM_COUNSELING_REFERRAL'>
		<MAIN>
			<LOAN MISMOVersionIdentifier='2.3'>
			<_APPLICATION>
				<PROPERTY 
					_City="city"
					_PostalCode="zip"
					_State="state"
					_StreetAddress="street" />
				<BORROWER
					BorrowerID="1"
					_FirstName="fn"
					_LastName="ln"
					_MiddleName="fn"
					_NameSuffix="sf"/>
			</_APPLICATION>
			<_CLOSING_DOCUMENTS>
				<EXECUTION _Date='Description' />
				<!-- up to 9 agencies are accepted -->
				<COUNSELINGAGENCY 
					_UnparsedName="an"
					_CounselingAgencyID="aid"
					_Street="street"
					_City="city"
					_State="state"
					_PostalCode="zip"
					_Phone="phone" />
			</_CLOSING_DOCUMENTS>
			</LOAN>
		</MAIN>
	</DATA>
	</SMART_DOCUMENT>
</EMORTGAGE_PACKAGE>
</request>
<response>
<EMORTGAGE_PACKAGE _ID='HUD_Binder'>
	<KEY _Name='FHACaseNumber' _Value=''/>
	<KEY _Name='ReferralDate' _Value =''/>
	<KEY _Name='NonReferralReason' _Value=''/>
	<KEY _Name="AuthorityList" _Value=''>
	<![CDATA[
		BORROWERS WERE COUNSELED PRIOR TO MEETING WITH LENDER
		BORROWER ALREADY RECEIVED PERSONAL REFERRAL TO A COUNSELOR
		BORROWER DECLINED REFERRAL LIST
		BORROWER ALREADY RECEIVED LIST FROM HUD
	]]>
	</KEY>
	<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'
			_TypeOtherDescription='HECMCounselingCertificate' />
	</HEADER>
	<DATA _ID='FHAVA_HECM_COUNSELING_REFERRAL'>
		<MAIN>
			<LOAN MISMOVersionIdentifier='2.3'>
			<_APPLICATION>
				<PROPERTY 
					_City="city"
					_PostalCode="zip"
					_State="state"
					_StreetAddress="street" />
				<BORROWER
					BorrowerID="1"
					_FirstName="fn"
					_LastName="ln"
					_MiddleName="fn"
					_NameSuffix="sf"/>
			</_APPLICATION>
			<_CLOSING_DOCUMENTS>
				<EXECUTION _Date='Description' />
				<!-- up to 9 agencies are accepted -->
				<COUNSELINGAGENCY 
					_UnparsedName="an"
					_CounselingAgencyID="aid"
					_Street="street"
					_City="city"
					_State="state"
					_PostalCode="zip"
					_Phone="phone" />
			</_CLOSING_DOCUMENTS>
			</LOAN>
		</MAIN>
	</DATA>
	</SMART_DOCUMENT>
</EMORTGAGE_PACKAGE> 
</response>
</Body>
</Envelope>