<?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:simpleContent>
		<xsd:extension base="xsd:string">
		<!-- 	Transactions report the allowable phrases for 
			"NonReferralReason" in the text node of the key
			"AuthorityList" 
		--->
			<xsd:attribute name="_Name" type="nameType"/>
			<xsd:attribute name="_Value" type="xsd:string"/>
		</xsd:extension>
        </xsd:simpleContent>
</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:element name="_CLOSING_DOCUMENTS" type="clsgDocType"/>
	</xsd:sequence>
	<xsd:attribute name="MISMOVersionIdentifier" type="mismoIDType"/>
</xsd:complexType>

<xsd:complexType name="appType">
	<xsd:sequence>
		<xsd:element name="PROPERTY" type="propType"/>
		<xsd:element name="BORROWER" type="borrType"/>
		<xsd:element name="POWER_OF_ATTORNEY" type="personType"/>
	</xsd:sequence>
</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:complexType>

<xsd:complexType name="borrType">
	<xsd:attribute name="BorrowerID" type="xsd:integer"/>
	<xsd:attribute name="_FirstName" type="xsd:string"/>
	<xsd:attribute name="_LastName" type="xsd:string"/>
	<xsd:attribute name="_MiddleName" type="xsd:string"/>
	<xsd:attribute name="_NameSuffix" type="xsd:string"/>
</xsd:complexType>

<xsd:complexType name="clsgDocType">
	<xsd:sequence>
		<xsd:element name="EXECUTION" type="excType"/>
		<xsd:element name="COUNSELINGAGENCY" type="counAgencyType"/>
		<xsd:element name="COUNSELINGSESSION" type="counSessionType"/>
		<xsd:element name="FULFILLMENT_PARTY" type="fullPartyType"/>
		<xsd:element name="CERTIFICATE" type="certType"/>
	</xsd:sequence>
</xsd:complexType>

<xsd:complexType name="excType">
	<xsd:attribute name="_Date" type="xsd:integer"/>
</xsd:complexType>

<xsd:complexType name="counAgencyType">
	<xsd:attribute name="_UnparsedName" type="xsd:string"/>
	<xsd:attribute name="_CounselingAgencyID" type="sxd:integer"/>
	<xsd:attribute name="_City" type="xsd:string"/>
	<xsd:attribute name="_State" type="xsd:string"/>
	<xsd:attribute name="_Street" type="xsd:string"/>
	<xsd:attribute name="_PostalCode" type="xsd:integer"/>
</xsd:complexType>

<xsd:complexType name="counSessionType">
	<xsd:attribute name="_Date" type="xsd:integer"/>
	<xsd:attribute name="_Duration" type="xsd:integer"/>
	<xsd:attribute name="_Method" type="intMethodType"/>
	<xsd:attribute name="_UpfrontFee" type="xsd:decimal"/>
	<xsd:attribute name="_FinancedFee" type="xsd:decimal"/>
	<xsd:attribute name="_FeeWaived" type="boolean"/>
</xsd:complexType>

<xsd:complexType name="fullPartyType">
	<xsd:sequence>
		<xsd:element name="CONTACT_DETAIL" type="cdtType"/>
	</xsd:sequence>
	<xsd:attribute name="_RoleType" type="rtType"/>
	<xsd:attribute name="_RoleTypeOtherDescription" type="rtodType"/>
	<xsd:attribute name="_Name" type="xsd:string"/>
</xsd:complexType>

<xsd:complexType name="cdtType">
	<xsd:sequence>
		<xsd:element name="CONTACT_POINT" type="cpointType"/>
	</xsd:sequence>
</xsd:complexType>

<xsd:complexType name="cpointType">
	<xsd:attribute name="_Type" type="cpValueType"/>
	<xsd:attribute name="_Value" type="xsd:string"/>
</xsd:complexType>

<xsd:complexType name="certType">
	<xsd:attribute name="_CertificateID" type="xsd:string"/>
	<xsd:attribute name="_Issued" type="xsd:integer"/>
	<xsd:attribute name="_ClientInfluenced" type="boolean"/>
</xsd:complexType>

<!-- simple types -->

<xsd:simpleType name="cpValueType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="Name"/>
		<xsd:enumeration value="Phone"/>
	</xsd:restriction>
</xsd:simpleType>

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

<xsd:simpleType name="rtodType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="Counselor"/>
	</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:enumeration value="ReferralDate"/>
		<xsd:enumeration value="NonReferralReason"/>
		<xsd:enumeration value="AuthorityList"/>
	</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="HECMCounselingCertificate"/>
	</xsd:restriction>
</xsd:simpleType>

<xsd:simpleType name="docIDType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="FHAVA_HECM_COUNSELING_REFERRAL"/>
	</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="intMethodType">
	<xsd:restriction base="xsd:string">
		<xsd:enumeration value="FaceToFace"/>
		<xsd:enumeration value="Telephone"/>
	</xsd:restriction>
</xsd:simpleType>

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

</xsd:schema>