<?xml version="1.0" encoding="utf-8"?>
<!-- 
Nodes used strictly on output are noted.
Output only nodes may be sent, but they are not read.
-->
<EMORTGAGE_PACKAGE _ID="HUD_BINDER">
  <KEY _Name="TransactionMode" _Value="" />
  <KEY _Name="Requestor" _Value="" />
  <KEY _Name="FHACaseNumber" _Value="" />
  <KEY _Name="Status" _Value="" /><!-- output only -->
  <KEY _Name="StatusMessage" _Value="" /><!-- output only -->
  <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="HECMFinancialAssessment" />
  </HEADER>
  <DATA _ID="FHAVA_HECM_FINANCIAL_ASSESSMENT">
    <MAIN>
      <LOAN MISMOVersionIdentifier="2.3">
        <_APPLICATION>
		  <FHAVAAccessoryDwellingUnit _ADU='' _ADU_HIST='' _ADU_INCOME=''/>
		  <PROPERTY _City="" _PostalCode="" _State="" _StreetAddress="" _PurchaseAddress=""/>
          <_CreditCharacteristics 
          	_RealEstateTaxesCurrent=""
          	_RealEstateTaxesDelinquentLast24Months=""
          	_HOA_PUD_CondoFeesCurrent=""
          	_HOA_PUD_CondoFeesDelinquentLast24Months=""
          	_RealEstateDebtCurrent=""
          	_RealEstateDebt_12_24_MonthLatePayments=""
          	_OtherInstallmentDebtCurrent_Non-RealEstate=""
          	_OtherInstallmentDebt_12_24_MonthLatePayments=""
          	_RevolvingDebtCurrent=""
          	_RevolvingDebt_90_60_DayLatePayments="" />
          <_MonthlyIncomeAndExpenses>
            <_MonthlyEffectiveIncome 
            	_ImputedMonthlyIncomefromDissipationofAssets=""
            	_MonthlyIncomefromAllOtherSources=""
            	_Total="" />
            <_MonthlyExpenses 
            	_RealEstateDebtMonthlyPayments=""
            	_Debts_non-RealEstate_MonthlyPayments=""
            	_OtherMonthlyExpensePayments=""
            	_Total="" />
            <_MonthlyPropertyCharges 
            	_MonthlyRealEstateTaxes=""
            	_MonthlyHazardInsurance=""
            	_MonthlyFloodInsurance=""
            	_MonthlyPropertyChargesSubtotal=""
            	_MonthlyHOA_PUD_CondoFees=""
            	_MonthlyOtherPropertyCharges=""
            	_Total="" />
            <_ProjectedLifeExpectancyPropertyCharges
            	_MonthlyPropertyChargesSubtotal=""
            	_TALCLifeExpectancyMonths=""
            	_ExpectedRate=""
            	_CompoundingRate=""
            	_ProjectedLifeExpectancyPropertyCharge="" />
            <_MonthlyResidualIncome
            	_FamilySize=""
            	_ResidualIncomeStandard=""
            	_TotalMonthlyIncome=""
            	_TotalMonthlyExpensePayments=""
            	_TotalMonthlyPropertyCharges=""
            	_ResidualIncome=""
            	_ResidualIncomeFinalStandard=""
            	_ResidualIncomeFinal=""
            	_MonthlyResidualIncomeShortfall="" />
            <_CompensatingFactors _FactorEnumeration="PropertyChargePaymentHistory" _Value="" />
            <_CompensatingFactors _FactorEnumeration="AccesstoOtherIncomeorResources" _Value="" />
	    <_CompensatingFactors _FactorEnumeration="Non-BorrowingSpouseIncome" _Value="" _Amount=""/>
	    <_CompensatingFactors _FactorEnumeration="ExpectedSSIorPensionIncome" _Value="" _Amount=""/>
	    <_CompensatingFactors _FactorEnumeration="Overtime/Seasonal/Part-timeorBonusIncome" _Value="" _Amount=""/>
	    <_CompensatingFactors _FactorEnumeration="ImputedIncomefromHECM" _Value="" _Amount=""/>
	    <_CompensatingFactors _FactorEnumeration="AssetsEqualtoLifeExpectancyPropertyCharges" _Value="" />
            <_CompensatingFactors _FactorEnumeration="HECMSufficienttoPayoffDebts" _Value="" />
          </_MonthlyIncomeAndExpenses>
          <_LifeExpectancySetAside _Requirement="" _Amount="" />
        </_APPLICATION>
      </LOAN>
    </MAIN>
  </DATA>
</EMORTGAGE_PACKAGE>