Residential Finance 2001 Variable Documentation 05/26/2005 for Homeowner variables ----------------------------------------------------------------------------- ADJFREQ1 Character 2 label - Frequency interest rate can be adjusted on first mortgage type of variable - Lender characteristics Item 13c: How frequently can the interest rate be adjusted on this first mortgage? Once every - -1 not reported -2 not applicable 1 Month 2 3 months 3 6 months 4 1 year 5 3 years 6 5 years 7 Other - Specify ----------------------------------------------------------------------------- ADJFREQ2 Character 2 label - Frequency interest rate can be adjusted on second mortgage type of variable - Lender characteristics Item 13c: How frequently can the interest rate be adjusted on this second mortgage? Once every - -1 not reported -2 not applicable 1 Month 2 3 months 3 6 months 4 1 year 5 3 years 6 5 years 7 Other - Specify ----------------------------------------------------------------------------- ADJFREQ3 Character 2 label - Frequency interest rate can be adjusted on third mortage type of variable - Lender characteristics Item 13c: How frequently can the interest rate be adjusted on this third mortgage? Once every - -1 not reported -2 not applicable 1 Month 2 3 months 3 6 months 4 1 year 5 3 years 6 5 years 7 Other - Specify ----------------------------------------------------------------------------- AGERULE Character 2 label - Property restricted to people 55+ type of variable - Property characteristics Item 21a: Is this property located in a subdivision or building restricted to people age 55 or older? -1 not reported 1 Yes 2 No ----------------------------------------------------------------------------- ANNASMNT Numeric . label - Annual payments for special assessments type of variable - Property expenses Item 17b: What were the expenses for this property in 2000 for special assessments (payments for improvements to streets, sidewalks, etc.)? Include payments made to the lender, except for principal and interest payments. -1 not reported 00000000:99999999 $0 - $99,999,999 ----------------------------------------------------------------------------- ANNLRENT Numeric . label - Annual land rent payments type of variable - Property expenses Item 19b: How much did you pay for land rent in 2000? -1 not reported -2 not applicable 00000000:99999999 $0 - $99,999,999 ----------------------------------------------------------------------------- ANNPMI Numeric . label - Annual mortgage insurance payment type of variable - Property expenses Item 17d: What were the expenses for this property in 2000 for mortgage insurance (exclude mortgage life insurance)? Include payments made to the lender, except for principal and interest payments. -1 not reported 00000000:99999999 $0 - $99,999,999 ----------------------------------------------------------------------------- ANNPRINS Numeric . label - Annual property insurance payment type of variable - Property expenses Item 17c: What were the expenses for this property in 2000 for property (fire, hazard, flood, or earthquake) insurance? Include payments made to the lender, except for principal and interest payments. -1 not reported 00000000:99999999 $0 - 99,999,999 ----------------------------------------------------------------------------- ANNRETAX Numeric . label - Annual real estate tax payments type of variable - Property expenses Item 17a: What were the expenses for this property in 2000 for real estate taxes? Include payments made to the lender, except for principal and interest payments. Do NOT include special assessments or taxes in arrears from prior years. -1 not reported 00000000:99999999 $0 - $99,999,999 ----------------------------------------------------------------------------- ARM2FIX1 Character 2 label - First Mortgage converted from ARM to fixed-rate type of variable - Lender characteristics Item 15a: Has this first mortgage been converted from an adjustable rate mortgage (ARM) to a fixed-rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- ARM2FIX2 Character 2 label - Second Mortgage converted from ARM to fixed-rate type of variable - Lender characteristics Item 15a: Has this second mortgage been converted from an adjustable rate mortgage (ARM) to a fixed-rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- ARM2FIX3 Character 2 label - Third Mortgage converted from ARM to fixed-rate type of variable - Lender characteristics Item 15a: Has this third mortgage been converted from an adjustable rate mortgage (ARM) to a fixed-rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- ASSMDMM1 Character 2 label - Month first mortgage was assumed type of variable - Lender characteristics Item 9a: When was this first mortgage assumed by the present property owner? -1 not reported -2 not applicable 01:12 January - December ----------------------------------------------------------------------------- ASSMDMM2 Character 2 label - Month second mortgage was assumed type of variable - Lender characteristics Item 9a: When was this second mortgage assumed by the present property owner? -1 not reported -2 not applicable 01:12 January - December ----------------------------------------------------------------------------- ASSMDMM3 Character 2 label - Month third mortgage was assumed type of variable - Lender characteristics Item 9a: When was this third mortgage assumed by the present property owner? -1 not reported -2 not applicable 01:12 January - December ----------------------------------------------------------------------------- ASSMDYR1 Character 4 label - Year first mortgage was assumed type of variable - Lender characteristics Item 9a: When was this first mortgage assumed by the present property owner? -2 not applicable 1900:2001 2001-2002 ----------------------------------------------------------------------------- ASSMDYR2 Character 4 label - Year second mortgage was assumed type of variable - Lender characteristics Item 9a: When was this second mortgage assumed by the present property owner? -2 not applicable 1900:2001 2001-2002 ----------------------------------------------------------------------------- ASSMDYR3 Character 4 label - Year third mortgage was assumed type of variable - Lender characteristics Item 9a: When was this third mortgage assumed by the present property owner? -2 not applicable 1900:2001 2001-2002 ----------------------------------------------------------------------------- BALASSM1 Numeric . label - Unpaid balance on first mortgage when assumed type of variable - Lender characteristics Item 9b: What was the unpaid balance at the time of assumption of the first mortgage by the present property owner? -1 not reported -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- BALASSM2 Numeric . label - Unpaid balance on second mortgage when assumed type of variable - Lender characteristics Item 9b: What was the unpaid balance at the time of assumption of the second mortgage by the present property owner? -1 not reported -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- BALASSM3 Numeric . label - Unpaid balance on third mortgage when assumed type of variable - Lender characteristics Item 9b: What was the unpaid balance at the time of assumption of the third mortgage by the present property owner? -1 not reported -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- BONDFND1 Character 2 label - First Mortgage financed with tax-exempt bonds type of variable - Lender characteristics Item 7: Was this first mortgage financed using tax-exempt bond funds? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- BONDFND2 Character 2 label - Second Mortgage financed with tax-exempt bonds type of variable - Lender characteristics Item 7: Was this second mortgage financed using tax-exempt bond funds? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- BONDFND3 Character 2 label - Third Mortgage financed with tax-exempt bonds type of variable - Lender characteristics Item 7: Was this third mortgage financed using tax-exempt bond funds? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- BUSINC Numeric . label - Household income from business or farm type of variable - Property owner income data Item 27b: What was the total income in 2000 (before taxes and deductions) for ALL members of this household 15 years or older? Include any income from - Self-employment income from own nonfarm businesses or farm businesses, including proprietorships and partnerships. Report NET income after business expenses. -1 not reported -99999999:-10 $-99,999,999 - $-10 0 : 999999 ----------------------------------------------------------------------------- BUYDOWN1 Character 2 label - Buydown of interest rate included type of variable - Lender characteristics Item 16a: Did this first mortgage include a buydown of the interest rate? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- BUYDOWN2 Character 2 label - Buydown of interest rate included type of variable - Lender characteristics Item 16a: Did this second mortgage include a buydown of the interest rate? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- BUYDOWN3 Character 2 label - Buydown of interest rate included type of variable - Lender characteristics Item 16a: Did this third mortgage include a buydown of the interest rate? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- BUYDTYP1 Character 2 label - Type of buydown type of variable - Lender characteristics Item 16b: What was the type of buydown? -1 not reported -2 not applicable 1 Constant payment 2 3-2-1 3 Other - Specify ----------------------------------------------------------------------------- BUYDTYP2 Character 2 label - Type of buydown type of variable - Lender characteristics Item 16b: What was the type of buydown? -1 not reported -2 not applicable 1 Constant payment 2 3-2-1 3 Other - Specify ----------------------------------------------------------------------------- BUYDTYP3 Character 2 label - Type of buydown type of variable - Lender characteristics Item 16b: What was the type of buydown? -1 not reported -2 not applicable 1 Constant payment 2 3-2-1 3 Other - Specify ----------------------------------------------------------------------------- CAPIMPRV Numeric . label - Amount spent on capital improvements type of variable - Property expenses Item 18: In the past 3 years (1998-2000), how much was spent on capital improvements or upgrades at this property? Capital improvements are additions to the property that increase the value or upgrade the facilities. Include: upgrading the heating and air conditioning system, upgrading kitchen or bathroom facilities, adding universal access improvements, or any other improvement that would add to the value of this property. Exclude: costs for routine maintenance -1 not reported 00000000:99999999 $0 - $99,999,999 ----------------------------------------------------------------------------- CASH Character 2 label - Used cash or savings for downpayment type of variable - Data about the purchase of the property Item 5c: What sources accounted for one third or more of the down payment and closing costs used for the purchase or construction of this property? If the entire purchase price for the property was paid with cash, report the source(s) of the cash. Mark all that apply. -1 not reported -2 not applicable X Savings (cash, bank deposits, share accounts, etc.) ----------------------------------------------------------------------------- CNV2ARM1 Character 2 label - First mortgage Loan convertible to ARM type of variable - Lender characteristics Item 15b: Can this first mortgage be converted from a fixed-rate to an adjustable rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- CNV2ARM2 Character 2 label - Second mortage Loan convertible to ARM type of variable - Lender characteristics Item 15b: Can this second mortgage be converted from a fixed-rate to an adjustable rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- CNV2ARM3 Character 2 label - Third mortgage Loan convertible to ARM type of variable - Lender characteristics Item 15b: Can this third mortgage be converted from a fixed-rate to an adjustable rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- CNV2FIX1 Character 2 label - First mortgage Loan convertibile to fixed-rate type of variable - Lender characteristics Item 13h: Is this loan convertible to a fixed-rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- CNV2FIX2 Character 2 label - Second mortage Loan convertibile to fixed-rate type of variable - Lender characteristics Item 13h: Is this loan convertible to a fixed-rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- CNV2FIX3 Character 2 label - Third mortgage Loan convertibile to fixed-rate type of variable - Lender characteristics Item 13h: Is this loan convertible to a fixed-rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- CURRATE1 Numeric . label - Current interest rate for first mortgage type of variable - Lender characteristics Item 11c: What is the current interest rate on this first mortgage? DO NOT include mortgage insurance premium. If adjustable rate, enter the rate as of the date the unpaid balance was computed. -2 not applicable 00.01:20.99 0.01-20.99 percent ----------------------------------------------------------------------------- CURRATE2 Numeric . label - Current interest rate for second mortgage type of variable - Lender characteristics Item 11c: What is the current interest rate on this second mortgage? DO NOT include mortgage insurance premium. If adjustable rate, enter the rate as of the date the unpaid balance was computed. -2 not applicable 00.01:20.99 0.01-20.99 percent ----------------------------------------------------------------------------- CURRATE3 Numeric . label - Current interest rate for third mortgage type of variable - Lender characteristics Item 11c: What is the current interest rate on this third mortgage? DO NOT include mortgage insurance premium. If adjustable rate, enter the rate as of the date the unpaid balance was computed. -2 not applicable 00.01:20.99 0.01-20.99 percent ----------------------------------------------------------------------------- DEVLPMNT Character 2 label - Property in a community or economic development area type of variable - Property benefits Item 20c: Are there benefits provided because the property is - Mark all that apply. -1 not reported -2 not applicable X Located in a community development or economic development area? ----------------------------------------------------------------------------- DISASTER Character 2 label - Property covered by disaster relief type of variable - Property benefits Item 20c: Are there benefits provided because the property is - Mark all that apply. -1 not reported -2 not applicable X Covered by disaster relief? ----------------------------------------------------------------------------- DKBENEFT Character 2 label - Do not know if property receives benefits type of variable - Property benefits Item 20a: Does this property benefit from - Do NOT include FHA, VA, or Rural Housing Service / Rural Development (formerly FmHA) insurance or guarantees as a "property benefit." Mark all that apply. -1 not reported X Don't know ----------------------------------------------------------------------------- ELDERLY Character 2 label - Property occupied by elderly or disabled individuals type of variable - Property benefits Item 20c: Are there benefits provided because the property is - Mark all that apply. -1 not reported -2 not applicable X Occupied by elderly or disabled individuals? ----------------------------------------------------------------------------- FEDGOV Character 2 label - Federal government provides benefits type of variable - Property benefits Item 20b: What is the source of these benefits? Mark all that apply. -1 not reported -2 not applicable X Federal government ----------------------------------------------------------------------------- FIX2ARM1 Character 2 label - First Mortgage converted from fixed-rate to ARM type of variable - Lender characteristics Item 13i: Was this first mortgage converted from a fixed-rate to an adjustable rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- FIX2ARM2 Character 2 label - Second Mortgage converted from fixed-rate to ARM type of variable - Lender characteristics Item 13i: Was this second mortgage converted from a fixed-rate to an adjustable rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- FIX2ARM3 Character 2 label - Third Mortgage converted from fixed-rate to ARM type of variable - Lender characteristics Item 13i: Was this third mortgage converted from a fixed-rate to an adjustable rate mortgage? -1 not reported -2 not applicable 1 Yes 2 No 3 Don't know ----------------------------------------------------------------------------- FORCLOS1 Character 2 label - Foreclosure proceedings in process for first mortgage type of variable - Lender characteristics Item 20b: Are legal foreclosure proceedings now in process? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- FORCLOS2 Character 2 label - Foreclosure proceedings in process for second mortgage type of variable - Lender characteristics Item 20b: Are legal foreclosure proceedings now in process? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- FORCLOS3 Character 2 label - Foreclosure proceedings in process for third mortgage type of variable - Lender characteristics Item 20b: Are legal foreclosure proceedings now in process? -1 not reported -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- FREQCHG1 Character 2 label - Frequency principal & interest payments change during first mortgage type of variable - Lender characteristics Item 14b: How often can the principal and interest payments change? Once every - -1 not reported -2 not applicable 1 Month 2 3 months 3 6 months 4 1 year 5 3 years 6 5 years 7 Other - Specify ----------------------------------------------------------------------------- FREQCHG2 Character 2 label - Frequency principal & interest payments change during second mortgage type of variable - Lender characteristics Item 14b: How often can the principal and interest payments change? Once every - -1 not reported -2 not applicable 1 Month 2 3 months 3 6 months 4 1 year 5 3 years 6 5 years 7 Other - Specify ----------------------------------------------------------------------------- FREQCHG3 Character 2 label - Frequency principal & interest payments change during third mortgage type of variable - Lender characteristics Item 14b: How often can the principal and interest payments change? Once every - -1 not reported -2 not applicable 1 Month 2 3 months 3 6 months 4 1 year 5 3 years 6 5 years 7 Other - Specify ----------------------------------------------------------------------------- FULAMTZ1 Character 2 label - Payments will pay off first mortgage loan at end of term type of variable - Lender characteristics Item 19: Will the required principal payments pay off this loan completely by the end of the term? -2 not applicable 1 Yes, fully amortized 2 No, not fully amortized 3 No regular principal payments required ----------------------------------------------------------------------------- FULAMTZ2 Character 2 label - Payments will pay off second mortgage loan at end of term type of variable - Lender characteristics Item 19: Will the required principal payments pay off this loan completely by the end of the term? -2 not applicable 1 Yes, fully amortized 2 No, not fully amortized 3 No regular principal payments required ----------------------------------------------------------------------------- FULAMTZ3 Character 2 label - Payments will pay off third mortgage loan at end of term type of variable - Lender characteristics Item 19: Will the required principal payments pay off this loan completely by the end of the term? -2 not applicable 1 Yes, fully amortized 2 No, not fully amortized 3 No regular principal payments required ----------------------------------------------------------------------------- GOVSOURC Character 2 label - Government source used as downpayment type of variable - Data about the purchase of the property Item 5c: What sources accounted for one third or more of the down payment and closing costs used for the purchase or construction of this property? If the entire purchase price for the property was paid with cash, report the source(s) of the cash. Mark all that apply. -1 not reported -2 not applicable X From a state or local governmental source ----------------------------------------------------------------------------- GOVSUB Character 2 label - Property benefits from government grant or subsidy type of variable - Property benefits Item 20a: Does this property benefit from - Do NOT include FHA, VA, or Rural Housing Service / Rural Development (formerly FmHA) insurance or guarantees as a "property benefit." Mark all that apply. -1 not reported X Other government grant or subsidy? ----------------------------------------------------------------------------- GULFWAR Character 2 label - Owner was on active duty during the Gulf War era type of variable - Property owner characteristics Item 25: Have any of the current owners of this property ever served on active duty in the Armed Forces of the United States? If yes, Mark all that apply. -1 not reported X Persian Gulf War or after (August 1990 to present) ----------------------------------------------------------------------------- HEBAL Numeric . label - Current balance on home equity line of credit type of variable - Home equity line of credit data Item 25a: What is the current unpaid balance on this home equity line of credit? -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- HEBALMM Character 2 label - Month home equity line of credit balance computed type of variable - Home equity line of credit data Item 25b: As of what date was this balance computed? -1 not reported -2 not applicable 01:12 January - December ----------------------------------------------------------------------------- HEBALYR Character 4 label - Year home equity line of credit balance computed type of variable - Home equity line of credit data Item 25b: As of what date was this balance computed? -1 not reported -2 not applicable 2000:2001 2000 - 2001 ----------------------------------------------------------------------------- HEBORROW Character 2 label - Money ever borrowed on home equity line of credit type of variable - Home equity line of credit data Item 24: Has money ever been borrowed on this home equity line of credit? -2 not applicable 1 Yes 2 No ----------------------------------------------------------------------------- HECAPS Numeric . label - Interest rate caps on home equity line of credit type of variable - Home equity line of credit data Item 25e: What are the caps on the interest rate change per adjustment period? -1 not reported -2 not applicable -3 don't know -4 no caps -5 fixed rate 0.01:9.99 0.01-9.99 percentage points ----------------------------------------------------------------------------- HEHOLDER Character 2 label - Holder of home equity line of credit type of variable - Home equity line of credit data Item 22: What type of institution holds this home equity line of credit? -2 not applicable 01 Commercial bank or trust company 02 Savings and loan association, federal savings bank 03 Mutual savings bank 11 Credit union 12 Finance company (including consumer discount company, industrial bank, cooperative bank) 15 Other - specify ----------------------------------------------------------------------------- HEINTPMT Numeric . label - Regular interest only home equity line of credit payments type of variable - Home equity line of credit data Item 26a: What are the current required payments to the lender for interest only? -1 not reported -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- HELTCAPS Numeric . label - Life time caps on home equity line of credit type of variable - Home equity line of credit data Item 25f: What are the caps on the interest rate change over the life of this home equity line of credit? -1 not reported -2 not applicable -4 No caps 00.01:20.97 0.01-20.97 percentage points ----------------------------------------------------------------------------- HEOTHFRQ Character 2 label - Frequency of other items home equity line of credit payments type of variable - Home equity line of credit data Item 27a: How often are these payments required to be made? Other payments -1 not reported -2 not applicable 1 Monthly 2 Biweekly (every 2 weeks) 3 Quarterly 4 Other - Specify 5 Not paid ----------------------------------------------------------------------------- HEOTHPMT Numeric . label - Regular other items home equity line of credit payments type of variable - Home equity line of credit data Item 26b: What are the current required payments to the lender for other payments? -1 not reported -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- HEPIFREQ Character 2 label - Frequency of P&I or int only home equity line of credit payments type of variable - Home equity line of credit data Item 27a: How often are these payments required to be made? Prinicpal and interest or interest only -1 not reported -2 not applicable 1 Monthly 2 Biweekly (every 2 weeks) 3 Quarterly 4 Other - Specify 5 Not paid ----------------------------------------------------------------------------- HEPIPMT Numeric . label - Regular P&I home equity line of credit payments type of variable - Home equity line of credit data Item 26a: What are the current required payments to the lender for principal and interest? -1 not reported -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- HEPOINTS Numeric . label - Points paid when home equity line of credit made type of variable - Home equity line of credit data Item 25c: How many points were paid as INTEREST at the inception of this home equity line of credit? Include only those points paid for the use of money. DO NOT include any points paid as a fee for loan origination or other non-interest fee. -1 not reported -2 not applicable -3 Don't know -4 none 0.00:9.99 0.00-9.99 points ----------------------------------------------------------------------------- HERATE Numeric . label - Current interest rate of home equity line of credit type of variable - Home equity line of credit data Item 25d: What is the current interest rate? If adjustable rate, enter the rate as of the date the unpaid balance was computed. -1 not reported -2 not applicable 00.01:20.99 0.01-20.99 percent ----------------------------------------------------------------------------- HEREASON Character 2 label - Reason for getting home equity line of credit type of variable - Home equity line of credit data Item 10b: What was the one MAIN reason for obtaining the HOME EQUITY LINE OF CREDIT on this property? -1 not reported -2 not applicable 02 For additions, improvements or repairs to this property 03 To consolidate debts 04 For investment in other real estate 05 For other types of investments 06 For educational or medical expenses 07 To start a business 08 To settle a divorce 09 To pay taxes 10 To purchase an automobile, truck, or other vehicle 11 To purchase another type of consumer product (furniture, electronic equipment, etc.) 12 Other - Specify ----------------------------------------------------------------------------- HEVALUE Numeric . label - Property value when home equity line of credit made type of variable - Home equity line of credit data Item 23: What was the appraised value of the property when this home equity line of credit was made? -1 not reported -2 not applicable 000000000:999999999 $0 - $999,999,999 ----------------------------------------------------------------------------- HEYRAPPR Character 4 label - Year approved for home equity line of credit type of variable - Home equity line of credit data Item 10a: In what year were you approved for the HOME EQUITY LINE OF CREDIT on this property? -1 not reported -2 not applicable 1900:2001 1900 - 2001 ----------------------------------------------------------------------------- HHOLDMTG Character 2 label - Hold or service a home equity loan or debt on property type of variable - Administrative data Item 1: Do you hold or service a home equity loan or similar debt on the property described above in item A? -2 not applicable 1 Yes, hold or service an home equity loan 3 No, mortgage on this property was terminated within the past 3 months 4 No, mortgage was terminated more than 3 months ago 5 No, hold or service other indebtedness not secured by this property - Specify type of loan 6 No, no record of any past or present mortgage on this property 7 No, mortgage has been transferred ----------------------------------------------------------------------------- HISTORIC Character 2 label - Property is a historic structure type of variable - Property benefits Item 20c: Are there benefits provided because the property is - Mark all that apply. -1 not reported -2 not applicable X A historic structure? ----------------------------------------------------------------------------- HMTGKIND Character 2 label - Kind of mortgage type of variable - Lender characteristics Item 2: The home equity loan or similar debt you are reporting for is a - -2 not applicable 5 Home equity line of credit ----------------------------------------------------------------------------- HOLDMTG1 Character 2 label - Hold or service a first mortgage or debt on property type of variable - Administrative data Item 1: Do you hold or service a first mortgage or similar debt on the property described above in item A? -2 not applicable 1 Yes, hold or service outstanding first mortgage(s) 3 No, mortgage on this property was terminated within the past 3 months 4 No, mortgage was terminated more than 3 months ago 5 No, hold or service other indebtedness not secured by this property - Specify type of loan 6 No, no record of any past or present mortgage on this property 7 No, mortgage has been transferred ----------------------------------------------------------------------------- HOLDMTG2 Character 2 label - Hold or service a second mortgage or debt on property type of variable - Administrative data Item 1: Do you hold or service a second mortgage or similar debt on the property described above in item A? -2 not applicable 1 Yes, hold or service outstanding second mortgage(s) 3 No, mortgage on this property was terminated within the past 3 months 4 No, mortgage was terminated more than 3 months ago 5 No, hold or service other indebtedness not secured by this property - Specify type of loan 6 No, no record of any past or present mortgage on this property 7 No, mortgage has been transferred ----------------------------------------------------------------------------- HOLDMTG3 Character 2 label - Hold or service a third mortgage or debt on property type of variable - Administrative data Item 1: Do you hold or service a third mortgage or similar debt on the property described above in item A? -2 not applicable 1 Yes, hold or service outstanding third mortgage(s) 3 No, mortgage on this property was terminated within the past 3 months 4 No, mortgage was terminated more than 3 months ago 5 No, hold or service other indebtedness not secured by this property - Specify type of loan 6 No, no record of any past or present mortgage on this property 7 No, mortgage has been transferred ----------------------------------------------------------------------------- HOMESTED Character 2 label - Property covered by Homestead Exemption type of variable - Property benefits Item 20c: Are there benefits provided because the property is - Mark all that apply. -1 not reported -2 not applicable X Covered by a Homestead Exemption? ----------------------------------------------------------------------------- HOWACQ Character 2 label - How owner acquired the property type of variable - Data about the purchase of the property Item 4c: How did you acquire the property? -1 not reported 1 By purchasing the residence and the land together 2 By purchasing the residence and renting the land 3 By purchasing the land first, then building the residence 4 By inheritance or gift 5 By divorce 6 Through some other manner - Specify ----------------------------------------------------------------------------- HOWFINCD Character 2 label - How owner financed property acquisition type of variable - Data about the purchase of the property Item 5b: How did you finance the acquisition of this property? The term "new mortgage" below includes construction and permanent loans. -2 not applicable 1 Placed one new mortgage (land contract, etc.) 2 Placed two or more new mortgages 3 Assumed one or more mortgage(s) already on the property 4 Assumed one or more mortgage(s) already on the property AND placed a new mortgage 5 Placed an installment loan or contract (mobile home only) 6 Borrowed using assets other than this property as collateral 7 Paid all cash - no borrowing 8 Other manner - Specify ----------------------------------------------------------------------------- HPROPTYPE Character 2 label - Property type type of variable - Property characteristics Recode of the multiple responses to the property question on the homeowner questionnaire. 1 Single-family detached house 2 Single-family attached house, rowhouse, or townhouse (not a condominium) 3 With 2 to 4 housing units 4 Condominium (house or apartment) 5 Mobile home 6 None of the above ----------------------------------------------------------------------------- IHOLDMTG Character 2 label - Hold or service an installment loan or debt on property type of variable - Administrative data Item 1: Do you hold or service an installment loan or similar debt on the property described above in item A? -2 not applicable 2 Yes, hold installment loan on a mobile home 3 No, mortgage on this property was terminated within the past 3 months 4 No, mortgage was terminated more than 3 months ago 5 No, hold or service other indebtedness not secured by this property - Specify type of loan 6 No, no record of any past or present mortgage on this property 7 No, mortgage has been transferred ----------------------------------------------------------------------------- IMTGKIND Character 2 label - Kind of mortgage type of variable - Lender characteristics Item 2: The installment loan or similar debt you are reporting for is a - -2 not applicable 6 Installment loan on a mobile home ----------------------------------------------------------------------------- INDXADJ1 Character 2 label - Index used to adjust interest rate for first mortgage type of variable - Lender characteristics Item 13a: What index is used to adjust interest rates on this first mortgage? For Treasury security rate, specify the term of the rate, such as, 3 year rate. -1 not reported -2 not applicable 0 Treasury security - Specify years 1 Average cost of funds in bank district (e.g., 11th district) 2 National average cost of funds 3 OTS contract mortgage rate 4 Other - Specify 5 None ----------------------------------------------------------------------------- INDXADJ2 Character 2 label - Index used to adjust interest rate for second mortgage type of variable - Lender characteristics Item 13a: What index is used to adjust interest rates on this second mortgage? For Treasury security rate, specify the term of the rate, such as, 3 year rate. -1 not reported -2 not applicable 0 Treasury security - Specify years 1 Average cost of funds in bank district (e.g., 11th district) 2 National average cost of funds 3 OTS contract mortgage rate 4 Other - Specify 5 None ----------------------------------------------------------------------------- INDXADJ3 Character 2 label - Index used to adjust interest rate for third mortgage type of variable - Lender characteristics Item 13a: