<?xml version="1.0" encoding="windows-1252" ?>
<xsd:schema xmlns:xsd="http://www.w3.org/2001/XMLSchema"
            xmlns="http://entp.hud.gov" targetNamespace="http://entp.hud.gov"
            elementFormDefault="qualified">
<!-- elements -->
<xsd:element name="EMORTGAGE_PACKAGE" type="envelopePackageType"/>

<!-- complex types -->
<xsd:complexType name="envelopePackageType">
	<xsd:sequence>
		<xsd:element name="KEY" type="keyType"/>
		<xsd:element name="SMART_DOCUMENT" type="smartDocType"/>
		<xsd:element name="HEADER" type="headerType"/>
		<xsd:element name="DATA" type="dataType"/>
	</xsd:sequence>
	<xsd:attribute name="_ID" type="envelopeType"/>
</xsd:complexType>

<xsd:complexType name="keyType">
	<xsd:attribute name="_Name" type="nameType"/>
	<xsd:attribute name="_Value" type="xsd:string"/>
</xsd:complexType>

<xsd:complexType name="smartDocType">
	<xsd:attribute name="MISMOVersionIdentifier" type="MISMOVersionIdentifierType"/>
	<xsd:attribute name="PopulatingSystemDocumentIdentifier" type="PopulatingSystemDocumentIdentifierType"/>
</xsd:complexType>

<xsd:complexType name="headerType">
	<xsd:sequence>
		<xsd:element name="DOCUMENT_INFORMATION" type="docInfoType"/>
	</xsd:sequence>
	<xsd:attribute name="_ID" type="headerIDType"/>
</xsd:complexType>

<xsd:complexType name="docInfoType">
	<xsd:attribute name="MustBeRecordedIndicator" type="MustBeRecordedIndicatorType"/>
	<xsd:attribute name="NegotiableInstrumentIndicator" type="NegotiableInstrumentIndicatorType"/>
	<xsd:attribute name="SMARTDocumentCategoryType" type="SMARTDocumentCategoryTypeType"/>
	<xsd:attribute name="_FormNumberIdentifier" type="FormNumberIdentifierType"/>
	<xsd:attribute name="_StateType" type="StateTypeType"/>
	<xsd:attribute name="_Type" type="docTypeType"/>
	<xsd:attribute name="_TypeOtherDescription" type="docTypeOtherDescriptionType"/>
</xsd:complexType>

<xsd:complexType name="dataType">
	<xsd:sequence>
		<xsd:element name="MAIN" type="mainType"/>
	</xsd:sequence>
	<xsd:attribute name="_ID" type="docIDType"/>
</xsd:complexType>

<xsd:complexType name="mainType">
	<xsd:sequence>
		<xsd:element name="LOAN" type="loanType"/>
	</xsd:sequence>
</xsd:complexType>

<xsd:complexType name="loanType">
	<xsd:sequence>
		<xsd:element name="_APPLICATION" type="appType"/>
	</xsd:sequence>
	<xsd:attribute name="MISMOVersionIdentifier" type="mismoIDType"/>
</xsd:complexType>

<xsd:complexType name="appType">
	<xsd:sequence>
		<xsd:element name="FHAVAAccessoryDwellingUnit" type="aduType"/>
		<xsd:element name="PROPERTY" type="propType"/>
		<xsd:element name="_CreditCharacteristics" type="creditCharacteristicsType"/>
		<xsd:element name="_MonthlyIncomeAndExpenses" type="MonthlyIncomeAndExpensesType"/>
		<xsd:element name="_LifeExpectancySetAside" type="LifeExpectancySetAsideType"/>
	</xsd:sequence>
</xsd:complexType>

<xsd:complexType name="aduType">
	<xsd:attribute name="_ADU" type="boolean"/>
	<xsd:attribute name="_ADU_HIST" type="boolean"/>
	<xsd:attribute name="_ADU_INCOME" type="xsd:decimal"/>
</xsd:complexType>

<xsd:complexType name="propType">
	<xsd:attribute name="_City" type="xsd:string"/>
	<xsd:attribute name="_PostalCode" type="xsd:integer"/>
	<xsd:attribute name="_State" type="xsd:string"/>
	<xsd:attribute name="_StreetAddress" type="xsd:string"/>
	<xsd:attribute name="_PurchaseAddress" type="xsd:string"/>
</xsd:complexType>

<xsd:complexType name="MonthlyIncomeAndExpensesType">
	<xsd:sequence>
		<xsd:element name="_MonthlyEffectiveIncome" type="MonthlyEffectiveIncomeType"/>
		<xsd:element name="_MonthlyExpenses" type="MonthlyExpensesType"/>
		<xsd:element name="_MonthlyPropertyCharges" type="MonthlyPropertyChargesType"/>
		<xsd:element name="_ProjectedLifeExpectancyPropertyCharges" type="ProjectedLifeExpectancyPropertyChargesType"/>
		<xsd:element name="_MonthlyResidualIncome" type="MonthlyResidualIncomeType"/>
		<xsd:element name="_CompensatingFactors" type="CompensatingFactorsType"/>
	</xsd:sequence>
</xsd:complexType>

<xsd:complexType name="MonthlyEffectiveIncomeType">
	<xsd:attribute name="_ImputedMonthlyIncomefromDissipationofAssets" type="xsd:decimal"/>
	<xsd:attribute name="_MonthlyIncomefromAllOtherSources" type="xsd:decimal"/>
	<xsd:attribute name="_Total" type="xsd:decimal"/>
</xsd:complexType>

<xsd:complexType name="MonthlyExpensesType">
	<xsd:attribute name="_RealEstateDebtMonthlyPayments" type="xsd:decimal"/>
	<xsd:attribute name="_Debts_non-RealEstate_MonthlyPayments" type="xsd:decimal"/>
	<xsd:attribute name="_OtherMonthlyExpensePayments" type="xsd:decimal"/>
	<xsd:attribute name="_Total" type="xsd:decimal"/>
</xsd:complexType>

<xsd:complexType name="MonthlyPropertyChargesType">
	<xsd:attribute name="_MonthlyRealEstateTaxes" type="xsd:decimal"/>
	<xsd:attribute name="_MonthlyHazardInsurance" type="xsd:decimal"/>
	<xsd:attribute name="_MonthlyFloodInsurance" type="xsd:decimal"/>
	<xsd:attribute name="_MonthlyPropertyChargesSubtotal" type="xsd:decimal"/>
	<xsd:attribute name="_MonthlyHOA_PUD_CondoFees" type="xsd:decimal"/>
	<xsd:attribute name="_MonthlyOtherPropertyCharges" type="xsd:decimal"/>
	<xsd:attribute name="_Total" type="xsd:decimal"/>
</xsd:complexType>

<xsd:complexType name="ProjectedLifeExpectancyPropertyChargesType">
	<xsd:attribute name="_MonthlyPropertyChargesSubtotal" type="xsd:decimal"/>
	<xsd:attribute name="_TALCLifeExpectancyMonths" type="xsd:decimal"/>
	<xsd:attribute name="_ExpectedRate" type="xsd:decimal"/>
	<xsd:attribute name="_CompoundingRate" type="xsd:decimal"/>
	<xsd:attribute name="_ProjectedLifeExpectancyPropertyCharge" type="xsd:decimal"/>
</xsd:complexType>

<xsd:complexType name="MonthlyResidualIncomeType">
	<xsd:attribute name="_FamilySize" type="xsd:decimal"/>
	<xsd:attribute name="_ResidualIncomeStandard" type="xsd:decimal"/>
	<xsd:attribute name="_TotalMonthlyIncome" type="xsd:decimal"/>
	<xsd:attribute name="_TotalMonthlyExpensePayments" type="xsd:decimal"/>
	<xsd:attribute name="_TotalMonthlyPropertyCharges" type="xsd:decimal"/>
	<xsd:attribute name="_ResidualIncome" type="xsd:decimal"/>
	<xsd:attribute name="_ResidualIncomeFinalStandard" type="xsd:decimal"/>
	<xsd:attribute name="_ResidualIncomeFinal" type="xsd:decimal"/>

	<xsd:attribute name="_MonthlyResidualIncomeShortfall" type="xsd:decimal"/>
</xsd:complexType>


<xsd:complexType name="creditCharacteristicsType">
	<xsd:attribute name="_RealEstateTaxesCurrent" type="BooleanIndicatorType"/>
	<xsd:attribute name="_RealEstateTaxesDelinquentLast24Months" type="BooleanIndicatorType"/>
	<xsd:attribute name="_HOA_PUD_CondoFeesCurrent" type="BooleanIndicatorType"/>
	<xsd:attribute name="_HOA_PUD_CondoFeesDelinquentLast24Months" type="BooleanIndicatorType"/>
	<xsd:attribute name="_RealEstateDebtCurrent" type="BooleanIndicatorType"/>
	<xsd:attribute name="_RealEstateDebt_12_24_MonthLatePayments" type="BooleanIndicatorType"/>
	<xsd:attribute name="_OtherInstallmentDebtCurrent_Non-RealEstate" type="BooleanIndicatorType"/>
	<xsd:attribute name="_OtherInstallmentDebt_12_24_MonthLatePayments" type="BooleanIndicatorType"/>
	<xsd:attribute name="_RevolvingDebtCurrent" type="BooleanIndicatorType"/>
	<xsd:attribute name="_RevolvingDebt_90_60_DayLatePayments" type="BooleanIndicatorType"/>
</xsd:complexType>

<xsd:complexType name="LifeExpectancySetAsideType">
	<xsd:attribute name="_Requirement" type="requiredIndicatorType"/>
	<xsd:attribute name="_Amount" type="xsd:decimal"/>
</xsd:complexType>

<xsd:complexType name="CompensatingFactorsType">
	<xsd:attribute name="_FactorEnumeration" type="FactorEnumerationType"/>
	<xsd:attribute name="_Value" type="BooleanIndicatorType"/>
	<!-- 
		_Amount is applicable to _Value enumerations of
			* Non-BorrowingSpouseIncome
			* Overtime/Seasonal/Part-timeorBonusIncome
			* ExpectedSSIorPensionIncome
			* ImputedIncomefromHECM
		For other enumerations it is permitted but not read.
	-->
	<xsd:attribute name="_Amount" type="xsd:decimal"/>
</xsd:complexType>

<!-- simple types -->
<xsd:simpleType name="FactorEnumerationType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="PropertyChargePaymentHistory"/>
		<xsd:enumeration value="AccesstoOtherIncomeorResources"/>
		<xsd:enumeration value="Non-BorrowingSpouseIncome"/>
		<xsd:enumeration value="ExpectedSSIorPensionIncome"/>
		<xsd:enumeration value="Overtime/Seasonal/Part-timeorBonusIncome"/>
		<xsd:enumeration value="ImputedIncomefromHECM"/>
		<xsd:enumeration value="AssetsEqualtoLifeExpectancyPropertyCharges"/>
		<xsd:enumeration value="HECMSufficienttoPayoffDebts"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="requiredIndicatorType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="NotRequired"/>
		<xsd:enumeration value="Voluntary"/>
		<xsd:enumeration value="RequiredFullyFunded"/>
		<xsd:enumeration value="RequiredPartiallyFunded"/>
	</xsd:restriction>
</xsd:simpleType>


<xsd:simpleType name="nameType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="TransactionMode"/>
		<xsd:enumeration value="Requestor"/>
		<xsd:enumeration value="FHACaseNumber"/>
		<xsd:enumeration value="Status"/>
		<xsd:enumeration value="StatusMessage"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="envelopeType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="HUD_BINDER"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="MISMOVersionIdentifierType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="1.01"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="headerIDType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="FHAVA_Header"/>
	</xsd:restriction>
</xsd:simpleType>


<xsd:simpleType name="PopulatingSystemDocumentIdentifierType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="FHAVA"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="MustBeRecordedIndicatorType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="False"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="NegotiableInstrumentIndicatorType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="False"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="SMARTDocumentCategoryTypeType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="5"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="FormNumberIdentifierType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="OMB-2502-0524"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="StateTypeType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="Populated"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="docTypeType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="Other"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="docTypeOtherDescriptionType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="HECMFinancialAssessment"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="docIDType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="FHAVA_HECM_FINANCIAL_ASSESSMENT"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="mismoIDType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="2.3"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="BooleanIndicatorType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="YES"/>
		<xsd:enumeration value="Yes"/>
		<xsd:enumeration value="yes"/>
		<xsd:enumeration value="Y"/>
		<xsd:enumeration value="y"/>
		<xsd:enumeration value="NO"/>
		<xsd:enumeration value="No"/>
		<xsd:enumeration value="no"/>
		<xsd:enumeration value="N"/>
		<xsd:enumeration value="n"/>
		<xsd:enumeration value="N/A"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="fundingIndicatorType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="Fully"/>
		<xsd:enumeration value="Partially"/>
	</xsd:restriction>
</xsd:simpleType>

</xsd:schema>