ࡱ>  9bjbj g0$999P9.GX@-bP"90o o o  o  : Appendix 1 Delinquency/Default Status (DDS) Codes Status CodeDefinitionGuidance for Usage: Use selected code to advise HUD that. . . General Account Delinquency (AD) further reporting is required42DelinquentThe account is delinquent, and there is no other action reportable. This code must be reported as the initial delinquency code.24Government SeizureThere has been a government seizure.31ProbateThe property is subject to probate (often a reason for foreclosure delay).32Military IndulgenceThe servicer has granted a delinquent servicemember forbearance or foreclosure proceedings have been stayed under the provisions of the Servicemembers Civil Relief Act or any similar state law.34Natural DisasterThe property is in a Presidentially-declared disaster area (as defined by FEMA)AS(HUD FC Moratorium)The foreclosure is on hold at HUD's written direction.  Delinquency Workouts (AL) further reporting is required 09Special ForbearanceThe mortgagor has been approved for a Special Forbearance (either Type I or Type II). 10Partial Claim StartedThe Mortgagee has approved mortgagor for a Partial Claim. 12Repayment A repayment plan has been entered into (any repayment plan that is not a Special Forbearance).15Preforeclosure Acceptance Plan AvailableThe mortgagor has been approved to participate in the Pre-foreclosure sale program.26Refinance StartedThe mortgagor has been approved for a refinance.28Modification StartedThe mortgagor has been approved for a loan modification.3BPrequalified for 601The case meets criteria for an Accelerated Claim.44Deed-in-Lieu StartedThe mortgagor has been approved for a deed in lieu and that processing has begun. Ineligible for Loss Mitigation (AI) further reporting is required AOIneligible for Loss MitigationMortgagee has either completed loss mitigation evaluation (24 CFR 203.605) and found mortgagor(s) ineligible, or cannot evaluate mortgagor(s) financial situation because, in spite of mortgagees good-faith efforts, mortgagor(s) failed to provide adequate (or any) financial information. Account in Foreclosure (AF) further reporting is required 68First Legal Action to Commence ForeclosureThe first public legal action required to initiate foreclosure was completed1AForeclosure Sale HeldThe foreclosure sale was held1GEviction CompletedThe eviction was completed77Foreclosure Deed RecordedAdvise that the foreclosure deed was recorded Status CodeDefinitionGuidance for Usage: Use selected code to advise HUD that. . .Account in Bankruptcy (AB) further reporting is required65Chapter 7 BankruptcyMortgagor filed petition of bankruptcy under Chapter 766Chapter 11 BankruptcyMortgagor filed petition of bankruptcy under Chapter 1167Chapter 13 BankruptcyMortgagor filed petition of bankruptcy under Chapter 1359Chapter 12 BankruptcyMortgagor filed petition of bankruptcy under Chapter 1269Bankruptcy Plan ConfirmedBankruptcy court confirmed the bankruptcy plan76Bankruptcy Court Clearance ObtainedBankruptcy is no longer a bar to foreclosure Account Reinstated (AR) reporting on this case is concluded, unless it returns to a delinquency status. 20Reinstated by Mortgagor Who Retains Homeownership w/o LM incentiveMortgagor reinstated delinquency without a loss mitigation claim (no Special Forbearance, no Mortgage Modification, and no Partial Claim)21Reinstated by AssumptorMortgage reinstated by Assumptor98Reinstated after Loss Mitigation interventionMortgagor reinstated delinquency with benefit of loss mitigation (a Special Forbearance, Mortgage Modification, or Partial Claim) Claim Termination of Insurance (CT) reporting on this case is concluded 17Pre-foreclosure Sale CompletedPre-foreclosure sale has been held46Property Conveyed to InsurerProperty was conveyed to HUD (the insurer)47Deed-in-Lieu Completed & Property ConveyedDeed in lieu of foreclosure was completed & property conveyed to HUD48Claim without Conveyance of TitleA third party purchased the property at foreclosure where HUD authorized the use of the Claim without Conveyance of Title procedure.49Assignment CompletedAn assignment was completed for an ACD, Section 247 or Section 248 case. Non-Claim Termination of Insurance (NC) reporting on this case is concluded 13Paid in FullThe mortgage loan has been paid in full29Charge-offThe mortgagee has charged off part of the funds that would have paid the account in full. No claim will be filed with HUD.30Third Party SaleThe foreclosure was held, but a third party paid the indebtedness in full. No claim will be filed with HUD.73Property RedeemedAccording to state law requirements the mortgagor redeemed the property after the foreclosure sale. The loan is paid in full and no claim will be filed with HUD. Status CodeDefinitionGuidance for Usage: Use selected code to advise HUD that. . .Servicing Transferred (AS) - reporting on this case is concluded by selling mortgagee; start of reporting for acquiring mortgagee 22Servicing Transferred or Sold to Another MortgageeAdvise that the servicing was transferred to new mortgage servicer - both the losing and gaining mortgages servicers must report Account Cancel (AC) - Case Reported in Error further reporting requirements are based on the reporting requirements of the last correctly reported default status code. 25CancelAdvise that the last status code was reported in error. Required when an incorrect default status code under summary codes AR, CT, or NC reported, as codes under these summary codes would have closed the default episode. Reporting the 25 re-opens the episode closed in error, allowing further reporting. List of Codes Removed from Use 14Currentremoved from approved list effective 09-30-1997 (ML 97-18)19Partial Reinstatementremove on effective date of Mortgagee Letter.39Pre-Claim Enrolledremove on effective date of Mortgagee Letter; replace with code 10.41Supplemental Pre-Claimremove on effective date of Mortgagee Letter; replace with code 10.43Foreclosure Startedremove on effective date of Mortgagee Letter; no replacement code.45Foreclosure Completedremove on effective date of Mortgagee Letter; no replacement code. Appendix 2 Delinquency/Default Reason (DDR) Codes Default Reason CodeCause of DefaultGuidance For Usage: Use selected code to indicate that. . .01Death of Principal MortgagorThe delinquency is attributable to the death of the principal mortgagor. 02Illness of Principal MortgagorThe delinquency is attributable to a prolonged illness that keeps the principal mortgagor from working and generating income. 03Illness of Mortgagor's Family MemberThe delinquency is attributable to the principal borrower having incurred extraordinary expenses as the result of the illness of a family member (or having taken on the sole responsibility for repayment of the mortgage debt as the result of the co-mortgagors illness). 04Death of Mortgagor's Family MemberThe delinquency is attributable to the principal borrower having incurred extraordinary expenses as the result of the death of a family member (or having taken on the sole responsibility for repayment of the mortgage debt as the result of the co-mortgagors death). 05Marital DifficultiesThe delinquency is attributable to problems associated with a separation or divorce, such as a dispute over ownership of the property, a decision not to make payments until the divorce settlement is finalized, a reduction in the income to repay the mortgage debt, etc. 06Curtailment of IncomeThe delinquency is attributable to a reduction in the mortgagors income, such as a garnishment of wages, a change to a lower paying job, reduced commissions or overtime pay, loss of a part-time job, etc. 07Excessive Obligations - Same Income, Including Habitual Nonpayment of DebtsThe delinquency is attributable to the mortgagors(s) having incurred excessive debts(either in a single instance or as a matter of habit) that prevent him or her from making payments on both those debts and the mortgage debt. 08Abandonment of PropertyThe delinquency is attributable to the mortgagor(s) having abandoned the property for reason(s) that are not known by the servicer (because the servicer has not been able to locate the mortgagor). 09Distant Employment TransferThe delinquency is attributable to the principal mortgagor being transferred or relocated to a distant job location and incurring additional expenses for moving and housing in the new location, which affects his or her ability to pay both those expenses and the mortgage debt. 11Property ProblemThe delinquency is attributable to the condition of the improvements of the property (substandard construction, expensive and extensive repairs needed, etc) that defers funds that would have been available for the mortgage payment; mortgagors dissatisfaction with the property or neighborhood. 12Inability to Sell PropertyFollowing an employment related transfer. 13Inability to Rent PropertyDelinquency is attributable to mortgagor needing rental income to make the mortgage payments and having difficulty in finding a tenant following an employment related transfer. 14Military ServiceThe delinquency is attributable to the principal mortgagor having entered active duty status and his or her military pay not being sufficient to enable the continued payment of the existing mortgage debt.  Default Reason CodeCause of DefaultGuidance For Usage: Use selected code to indicate that. . .15OtherShould be rarely used - additional reason codes at the request of the industry have been added; indicates that the delinquency is attributable to reasons that are not otherwise included in the list. 16UnemploymentThe delinquency is attributable to a reduction in income resulting from the principal mortgagor having lost his or her job. 17Business FailureThe delinquency is attributable to a self-employed principal mortgagor having a reduction in income and/or excessive obligations that are the direct result of the failure of his or her business to remain a viable entity or, at least, to generate sufficient profit that the borrower can rely on to meet his or her personal obligations. 19Casualty LossThe delinquency is attributable to the mortgagor having incurred a sudden, unexpected property loss as the result of an accident, fire, storm, theft, earthquake, etc. 22Energy-Environment CostAll other factors remained the same, but sharp increase in utility cost(s) deferred funds that would have been available for the mortgage payment or costs associated with the removal of environmental hazards in, or near the property. 23Servicing ProblemsThe delinquency is attributable to the mortgagor being dissatisfied with the way the mortgage servicer is servicing the loan or with the fact that the servicing of the loan has been transferred to a new mortgage servicer. 26Payment AdjustmentDelinquency began after either increase in P&I for ARM mortgage or after escrow analysis where one or more escrow item increased, including the spreading of the amount needed to repay an escrow shortage over the next year. 27Payment DisputeThe delinquency is attributable to a disagreement between the mortgagor and the mortgage servicer about the amount of the mortgage payment, the acceptance of a partial payment, or the application of previous payments that results in the mortgagor's refusal to make the payment(s) until the dispute is resolved. 29Transfer of Ownership PendingThe delinquency is attributable to the mortgagor having agreed to sell the property and deciding not to make any additional payments. 30FraudThe delinquency is attributable to a legal dispute arising out of a fraudulent or illegal action that occurred in connection with the origination of the mortgage (or later). 31Unable to Contact BorrowerPresently, an acceptable code for 30 and 60 day delinquencies where contact with the mortgagor has not yielded a response; Should be used rarely for any 90 day or more delinquency. 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