HAMP Reporting System Servicer Release Notes January 28, 2016
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1 HAMP Reprting System Servicer Release Ntes January 28, 2016 The Hme Affrdable Mdificatin Prgram SM (HAMP ) Reprting System Servicer Release Preview prvides an verview f the planned enhancements t the HAMP Reprting System, including the HAMP Reprting Tl. This release is scheduled fr implementatin n April 1, Additinal infrmatin abut the release, including detailed release ntes, will be made available prir t the release. This release will include functinality t supprt the fllwing: Supplemental Directive (SD 15-06) and Supplemental Directive (SD 15-07) Making Hme Affrdable Prgram Streamline HAMP Mdificatin Prcess Streamline HAMP Eligibility Submissin f Streamline HAMP Lan Setup Data Streamline HAMP Additinal Data Reprting Data Streamline HAMP Official Mnthly Reprting Streamline HAMP Interactins With Other Mdificatins & Prgrams Streamline HAMP Cmpensatin Streamline HAMP Servicing Transfers Administrative Clarificatins: Nn-Apprval Ntices Supplemental Directive (SD 15-08) Making Hme Affrdable Prgram Administrative Clarificatins HAMP Tier 2 Standard Mdificatin Waterfall Principal Frbearance Eligibility New Servicing Transfer Reasn Cde fr GSE Nn-Perfrming Lan Sales ADR Trial Fallut Reasn Cde 30 Descriptin Update Frnt Rati After Mdificatin Requirements fr RD-HAMP Interface File Changes Streamlined Mdificatin Prcess Effective January 1, 2016, a new streamlined mdificatin prcess will be implemented under HAMP (Streamline HAMP). Streamline HAMP Eligibility T be eligible fr Streamline HAMP, the HAMP Reprting System will require that the lan must be at least 30 days delinquent at time f 1st Trial Payment Due Date. Investr Cde (DD9) must be Private r Prtfli. Prduct After Mdificatin (DD140) must be Fixed Rate. Prperty must be wner-ccupied r investment, 1 t 4 units. Current Tier 1 and Tier 2 limits fr Unpaid Principal Balance Befre Mdificatin (DD225) will apply t Streamline HAMP. Submissin f Streamline HAMP Lan Setup Data The Streamline HAMP Trial and Official Setup transactin will be structured similar t the 1 st Lien setup transactin, but withut brrwer incme r lan-level NPV data. The fllwing brrwer incme related attributes will nt be cllected fr Streamline HAMP upn Lan Setup: Back Rati After Mdificatin (DD31) Back Rati Befre Mdificatin (DD32) Page 1 f 6
2 Frnt Rati After Mdificatin (DD76) Frnt Rati Befre Mdificatin (DD77) Mnthly Debt Payments excluding PITIA (DD109) Mnthly Grss Incme (DD110) Mnthly Grss Rental Incme Amunt (DD956) Primary Residence Ttal Husing Expense Amunt (DD958) Principal and Interest Payment at 31% DTI (DD133) Principal and Interest Payment at 38% DTI (DD134) The fllwing NPV related attributes will nt be cllected fr Streamline HAMP upn Lan Setup: Interest Rate Lck Date fr Mdificatin (DD87) NPV Mdel Result Amunt Pst-md (DD120) NPV Mdel Result Amunt Pre-md (DD121) Principal Reductin Alternative (PRA) NPV Mdel Result Amunt Pst-md (DD570) Principal Reductin Alternative (PRA) NPV Mdel Result Amunt Pre-md (DD571) Brrwer Executin Date (DD37) this attribute is ptinal n Streamline HAMP trial setup and is mandatry at fficial setup. Hardship Reasn Cde (DD78) a new Data Nt Available enumeratin is added, as a hardship reasn is nt required t be prvided n the Streamline HAMP Affidavit. Servicers shuld reprt this enumeratin with regard t Streamline HAMP. NPV Date (DD119) - definitin updated fr Streamline HAMP: Fr Tier 1 and Tier 2: The date f the NPV submissin used t determine trial mdificatin eligibility. Fr Official Setup, this shuld be the same NPV Date reprted fr the trial mdificatin setup. Fr Streamline HAMP: The date the servicer determines the interest rate fr the brrwer s Streamline HAMP mdificatin terms. Fr Official Setup, this shuld be the same NPV Date reprted fr the trial mdificatin setup. Nte: The system will use value submitted t reference PMMS rate validatin and HPDP calculatins fr Streamline HAMP. Tier 2 Investr Override Indicatr (DD959) is replaced with Investr Override Indicatr (DD1118) t allw reprting f investr verrides n Streamline HAMP. Prgram Type/Campaign ID (DD10) a new HMP30 enumeratin is added fr Streamline HAMP. The lan must be at least 30 days delinquent at the time f the Streamline HAMP 1 st Trial Payment Due Date. Streamline HAMP Additinal Data Reprting Data Servicers will submit an Additinal Data Reprting transactin fr Streamline HAMP lans withut prviding Schedule III (NPV) infrmatin. Additinal Data Reprting Type Cde (DD967) a new Streamline HAMP enumeratin has been added fr Streamline ADR submissins. HAMP Tier 1 Nt Offered Reasn Cde (DD987) a new Streamline HAMP enumeratin has been added fr the reprting f a brrwer that was placed in a Streamline HAMP trial mdificatin, subsequently submitted a cmplete package fr a Tier 1 r Tier 2 evaluatin, but was denied fr Tier 1 r Tier 2. The system shall als allw an ptinal and separate Tier 1/Tier 2 Nt Apprved/Nt Accepted (NANA) submissin if there exists an active Streamline HAMP mdificatin, s lng as the Mdificatin Evaluatin Date is prir t the Mdificatin Effective Date f the Streamline HAMP. Page 2 f 6
3 Mdificatin Evaluatin Date (DD970) - updated definitin: Fr Tier 1 and Tier 2: The date that the lan was evaluated fr the HAMP mdificatin. If submitting NPV Data, this field must match the NPV Date. Fr Streamline HAMP: The date the servicer determines the interest rate fr the brrwer s Streamline HAMP mdificatin terms. NPV Mdel Type Cde (DD122) - Streamline HAMP submissins will use cde 6. The enumeratin descriptin has been changed frm NPV Data Nt Available (Evidence Required in Lan File) t NPV Data Nt Available r Nt Applicable. Trial Fallut Reasn Cde (DD217) new enumeratins added: Other Permanent HAMP Mdificatin - will allw a Streamline HAMP Trial t be cancelled fr purpses f brrwers wh are apprved fr a Tier 1 r Tier 2 mdificatin during a Streamline HAMP Trial Perid. Mdificatin Dcuments Nt Returned by Brrwer - will allw servicers t cancel a trial in the event a brrwer des nt prvide all the dcumentatin necessary t cnvert t a permanent mdificatin. This cde will be accepted n Tier 1, Tier 2 and Streamline HAMP Trial mdificatins. Mdificatins canceled with this cde will be cunted twards the maximum f tw mdificatins per lan and will nt permit a new Trial t be reprted fr the same Prgram Type/Campaign ID (DD10). Failure t Meet Streamline HAMP Eligibility - will allw servicers t cancel Streamline HAMP trials when a brrwer is nt eligible fr a Streamline HAMP permanent mdificatin due t failure f any term r cnditin set frth in the Streamline HAMP TPP r Streamline HAMP Dcuments. Trial mdificatins canceled with this cde will be cunted twards the maximum f tw mdificatins per lan. The value will nly be accepted n Streamline HAMP Trial Cancel submissins. Streamline HAMP Official Mnthly Reprting Official Mnthly Reprting will be accepted n Streamline HAMP lans. Actin Cde (DD20) 2 new enumeratins added: Streamline HAMP Remdificatin reprted when servicers withdraw a Tier 1 fficial mdificatin because the brrwer was remdified prir t lss f gd standing int a Streamline HAMP. Streamline HAMP Remdificatin des nt apply t Tier 2. Tier 1 Remdificatin reprted when servicers withdraw a Streamline HAMP fficial mdificatin because the brrwer was remdified prir t lss f gd standing int a Tier 1 mdificatin. Servicers will use the existing Tier 2 Remdificatin enumeratin t withdraw a Streamline HAMP fficial mdificatin because the brrwer was remdified prir t lss f gd standing int a Tier 2 mdificatin. Streamline HAMP Interactins with Other Mdificatins & Prgrams Mdificatins n the Same Lan: Per SD 15-06, a brrwer may nt receive mre than tw permanent mdificatins r default n mre than tw trial perid plans (r a cmbinatin f bth) under HAMP n the same lan. The fllwing mdes/states will be cunted twards the maximum limit f tw mdificatins per lan: Trial Disqualified (any tier/prgram) Streamline Trial Cancel with a Trial Fallut Reasn Cde f Failure t Meet Streamline HAMP Eligibility Trial Cancel (any tier/prgram) with a Trial Fallut Reasn Cde f Mdificatin Dcuments Nt Returned by Brrwer Official (any state, any tier/prgram) Page 3 f 6
4 Tier 1 r Tier 2 mdificatins can be submitted if there is a Disqualified, Cancelled r Withdrawn Streamline HAMP trial r fficial mdificatin as lng as the mdificatin limit has nt been met. Streamline HAMP mdificatins can be submitted if there is a Disqualified, Cancelled r Withdrawn Tier 1 r Tier 2 as lng as the mdificatin limit has nt been met. Streamline HAMP setup submissins will nt be accepted n Streamline HAMP lans that are Disqualified, Withdrawn r Trial Cancelled with the Mdificatin Dcuments Nt Returned by Brrwer r Failure t Meet Streamline HAMP Eligibility reasn cdes. Mdificatins n Different Lans: The existing rules which allw mdificatins n a ttal f six prperties (including principal residence) will be applicable t Streamline HAMP. Streamline HAMP and 2MP Per SD 15-06, first lien lans in trial perid plans r permanent mdificatins under Streamline HAMP are nt eligible fr a matching secnd lien mrtgage mdificatin under 2MP. Streamline HAMP lan data will nt be included in the 2MP match file. N incentive cmpensatin will be paid under 2MP in cnnectin with active Streamline HAMP mdificatins. 2MP mdificatins will be allwed t bard if the mst recent mdificatin is a Streamline HAMP, as lng as the 2MP Mdificatin r Extinguishment Effective Date is prir t the 1st Trial Payment Due Date f the Streamline HAMP. There must als exist a previus GSE HAMP, Nn-GSE HAMP r GSE Standard Mdificatin which was in Active payment status at the time f the 2MP Mdificatin r Extinguishment Effective Date. 2MP mdificatins will nt be allwed t bard if the mst recent mdificatin is a Streamline HAMP and the 2MP Mdificatin r Extinguishment Effective Date is n after the 1st Trial Payment Due Date f the Streamline HAMP mdificatin. Current rules and lgic will apply in assciating the 2MP t a GSE HAMP, Nn-GSE HAMP r GSE Standard Mdificatin if a Streamline HAMP mdificatin als exists. Streamline HAMP and HAFA Lans mdified under Streamline HAMP mdificatin will nt be precluded frm entering a HAFA. The current lgic and rules fr HAFA submissins when there exists a HAMP Tier 1 r Tier 2 mdificatin will als apply t Streamline HAMP. Streamline HAMP Cmpensatin The fllwing cmpensatins will apply t Streamline HAMP: Servicer Incentive Payment (Trial Perid Plan Effective Date >= 4/1/2015) <=120 days delinquent at trial: $2, t 210 days delinquent at trial: $1,600 >210 days delinquent at trial: $1,200 Mnthly Reductin Cst Share Payment (Tier 2 calculatin) Calculated at the lesser f 50% f: a) the difference between the Principal and Interest Payment Befre Mdificatin and Principal and Interest Payment After Mdificatin r b) 15% f the Principal and Interest Payment Befre Mdificatin. Year Six Brrwer Pay-Fr-Perfrmance Payment - $5,000 paid at 6th anniversary f 1st Trial Payment Due Date. Investr Hme Price Decline Prtectin (HPDP) Incentive Payment - existing calculatins fr Tier 1 & Tier 2 will apply. Page 4 f 6
5 Principal Reductin Alternative (PRA) Investr Incentive Payment - existing calculatins fr Tier 1 & Tier 2 will apply. Streamline HAMP Servicing Transfers Servicing Transfer functinality will be available fr Streamline HAMP mdificatins. The current lgic and rules fr existing HAMP Tier 1 and Tier 2 mdificatins will apply t Streamline HAMP. HAMP Tier 2 Standard Mdificatin Waterfall Principal Frbearance Eligibility Principal Frbearance f the Tier 2 Standard Mdificatin Waterfall is currently applied if the lan s premdificatin mark-t-market lan-t-value (LTV) rati is greater than 115 percent. Beginning January 1, 2016, the NPV mdel will use the estimated pst-capitalizatin mark-t-market LTV rati t calculate principal frbearance eligibility New Servicing Transfer Reasn Cde fr GSE Nn-Perfrming Lan Sales In rder t facilitate servicing transfers f GSE nn-perfrming lan sales, a new Nn-Perfrming Lan Sale SVT Transfer Reasn Cde enumeratin is being added. The Transferr Lan Number must be prepended with NPL when submitting with this new cde. Investr Cde must be Private r Prtfli. ADR Trial Fallut Reasn Cde 30 Descriptin Update The descriptin f enumeratin 30 f the Trial Fallut Reasn Cde (DD217) attribute will change frm 'Transfer t a Nn-Participating Entity' t 'Repurchase/Invluntary Transfer'. Frnt Rati After Mdificatin Requirements fr RD-HAMP USDA has changed its Special Servicing lan mdificatin prgram fr RHS-guaranteed lans. Effective September 1, 2015, USDA is nw allwing brrwers t have a Frnt End Rati as clse as pssible t, but nt less than, 31% f mnthly incme with a maximum rati f 36%. Since sme f these mdificatins fall under RD-HAMP, the requirement that Frnt Rati After Mdificatin (DD76) be less than 32% is being remved. Servicers are encuraged t refer t the Data Dictinaries n HMPadmin.cm fr the full list f attributes, definitins, and assciated edits that are changing r being added with this release. Interface File Changes BPS003 Streamline HAMP new interface cntaining Streamline HAMP lan data will be sent t servicers BPS003 1MP Master Servicer Lan Level Recnciliatin Interface t Servicers Assciated Streamline HAMP Mdificatin Financial Asset Identifier new attribute added Official Withdrawn Reasn Cde new enumeratin f Streamline HAMP Remdificatin added Payment String Actin Cde new Streamline HAMP Remdificatin enumeratin added BPS003 Tier 2 Master Servicer Lan Level Recnciliatin Interface t Servicers Assciated Mdificatin Financial Asset Identifier attribute name changed t Assciated Tier 1 Mdificatin Financial Asset Identifier Assciated Streamline HAMP Mdificatin Financial Asset Identifier new attribute added Tier 2 Investr Override Indicatr name changed t 'Investr Override Indicatr' Page 5 f 6
6 OBE.10.1 Cash Payment by Cntract Servicer Prgram new 1MP-Streamline HAMP enumeratin added Payment Type new Streamline HAMP Servicer Incentive Payment, Streamline HAMP Mnthly Reductin Cst Share Payment, Streamline HAMP HPDP Investr Incentive Payment, Streamline HAMP Principal Reductin Investr Payment and Streamline HAMP Brrwer Sixth Year Bnus Payment enumeratins added BPS016 Disqualified Lans Interface Prgram Type/Campaign ID Cde and Name new HMP30 - Streamline HAMP enumeratin added BPS017 Missing OMRs Interface Prgram Type/Campaign ID Cde and Name new HMP30 - Streamline HAMP enumeratin added BPS024 Servicing Transfer (SVT) Cncurrence Interface t Servicers Transferee Official Withdrawn Reasn new Streamline HAMP Remdificatin and Tier 1 Remdificatin enumeratins added Transferr Official Withdrawn Reasn new Streamline HAMP Remdificatin and Tier 1 Remdificatin enumeratins added SVT Transfer Reasn new Nn-Perfrming Lan Sale enumeratin added BPS025 SVT Recnciliatin Interface t Servicers SVT Transfer Reasn new Nn-Perfrming Lan Sale enumeratin added Supprt Fr mre infrmatin r questins regarding this release preview, cntact the HAMP Slutin Center at ; t reach Black Knight select ptin 1, and then select ptin 5. Yu may als cntact yur HAMP Servicer Integratin Team (SIT) Lead. Page 6 f 6
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