<?xml version="1.0" ?><Output_Area><tapr2><Value>8.6561%</Value><Type>double</Type><Name>APR2</Name><Definition>The exact Annual Percentage Rate per Appendix J of Regulation Z for the regular repayment phase if separate disclosures have been requested or for the whole loan if a combined disclosure has been requested.  Formatted as a percent value.</Definition></tapr2><accept_apr><Value>8.8527%</Value><Type>double</Type><Name>Acceptable APR</Name><Definition>The acceptable APR per section 226.17 (c) (4) of Regulation Z.  Formatted as a percent value.</Definition></accept_apr><amount_financed2><Value>$98,755.58</Value><Type>double</Type><Name>Amount Financed2</Name><Definition>Amount financed for the regular repayment phase if separate disclosures have been requested or for the whole loan if a combined disclosure has been requested.  The gross loan amount less the total of the prepaid  finance charges.</Definition></amount_financed2><finance_charge2><Value>$14,055.34</Value><Type>double</Type><Name>Finance Charge2</Name><Definition>The amount of the finance charge per Regulation Z for the regular repayment phase if separate disclosures have been requested or for the whole loan if a combined disclosure has been requested.  The total of the payments less the amount financed.</Definition></finance_charge2><total_of_the_payments2><Value>$112,810.92</Value><Type>double</Type><Name>Total of the Payments2</Name><Definition>Total of the payments for the regular repayment phase if separate disclosures have been requested or for the whole loan if a combined disclosure has been requested.  The number of payment(s) multiplied by the payment amount(s).  The total amount to be paid by the borrower under the terms of the loan.</Definition></total_of_the_payments2><output_prepaid_finance_charges><Value>$1,244.42</Value><Type>float</Type><Name>Prepaid Finance Charge</Name><Definition>The prepaid finance charge amount. This amount includes any entered prepaid finance charge from the input record plus any prepaid finance charge  calculated by the engine, (including borrower paid portion of a buydown, prepaid interest and up-front mortgage insurance).</Definition></output_prepaid_finance_charges><Consolidated_Payment_Schedule><py><Value> 12</Value><Type>float</Type><Name>ConFrequency</Name><Definition>The number of payments per year for consolidated stream  1.</Definition></py><n><Value> 35</Value><Type>float</Type><Name>ConTerm</Name><Definition>The number of payments for consolidated stream  1.</Definition></n><date><Value>03/01/1997</Value><Type>char</Type><Name>ConDate</Name><Definition>The date that consolidated stream  1 starts.</Definition></date><min_pmt><Value>$3,133.64</Value><Type>float</Type><Name>ConSmall</Name><Definition>The smallest payment amount for consolidated stream  1.</Definition></min_pmt><max_pmt><Value>$3,133.64</Value><Type>float</Type><Name>ConLarge</Name><Definition>The largest payment amount for consolidated stream  1.</Definition></max_pmt></Consolidated_Payment_Schedule><Amortization_Schedule><pmt_no><Value> 1</Value><Type>int</Type><Name>Payment Number</Name><Definition>The payment number.</Definition></pmt_no><date><Value>03/01/1997</Value><Type>char</Type><Name>Date</Name><Definition>The date of the payment.</Definition></date><days><Value> 30</Value><Type>float</Type><Name>Days</Name><Definition>The number of days elapsed since the last payment.</Definition></days><pmt><Value>$3,133.64</Value><Type>double</Type><Name>Payment</Name><Definition>The payment total amount which is used in the APR calculation.  Calculated as (principal payment + interest payment + buydown payment + mortgage insurance payment).</Definition></pmt><principal><Value>$2,466.97</Value><Type>double</Type><Name>Principal</Name><Definition>The amount of the total payment which is applied to principal.</Definition></principal><interest><Value>$666.67</Value><Type>double</Type><Name>Interest</Name><Definition>The amount of the total payment which covers interest.</Definition></interest><balance><Value>$97,533.03</Value><Type>double</Type><Name>Balance</Name><Definition>The remaining principal balance after the current payment has been applied.</Definition></balance><i><Value> 8</Value><Type>float</Type><Name>Rate</Name><Definition>The interest rate at which the principal balance has been amortized.  That is, before buydown points have been applied.  Formatted as a percent value.</Definition></i></Amortization_Schedule><Amortization_Schedule><pmt_no><Value> 2</Value><Type>int</Type><Name>Payment Number</Name><Definition>The payment number.</Definition></pmt_no><date><Value>04/01/1997</Value><Type>char</Type><Name>Date</Name><Definition>The date of the payment.</Definition></date><days><Value> 30</Value><Type>float</Type><Name>Days</Name><Definition>The number of days elapsed since the last payment.</Definition></days><pmt><Value>$3,133.64</Value><Type>double</Type><Name>Payment</Name><Definition>The payment total amount which is used in the APR calculation.  Calculated as (principal payment + interest payment + buydown payment + mortgage insurance payment).</Definition></pmt><principal><Value>$2,483.42</Value><Type>double</Type><Name>Principal</Name><Definition>The amount of the total payment which is applied to principal.</Definition></principal><interest><Value>$650.22</Value><Type>double</Type><Name>Interest</Name><Definition>The amount of the total payment which covers interest.</Definition></interest><balance><Value>$95,049.61</Value><Type>double</Type><Name>Balance</Name><Definition>The remaining principal balance after the current payment has been applied.</Definition></balance><i><Value> 8</Value><Type>float</Type><Name>Rate</Name><Definition>The interest rate at which the principal balance has been amortized.  That is, before buydown points have been applied.  Formatted as a percent value.</Definition></i></Amortization_Schedule></Output_Area>

