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# View 5b: Current Page/Current Detail (Part Two)

Current Rate Adjust Information (conditionally required if using Adjustable Rate amortization)

- Next Rate Adjustment Date [ID 355]

  Enter the next interest change date occurring after the mortgage is delivered.

- Current Payment and Interest Amount [ID 436]

  Enter the principal and interest amount that is part of the total payment being reported. This is the current P&I on the loan. If the loan has not been adjusted, it will be the same as the P&I at closing.

MI Certificate Number [ID 412] (conditionally required if MI exists)

Enter the number assigned by the private mortgage insurance company to track a loan.

Mortgage Insurance Info [ID 413/414] (conditionally required if a MI Certificate Number exists)

- MI Company

  Enter the private MI company short/common name from whom the private mortgage insurance coverage was obtained. Options include:

  - Essent

  - Genworth

  - MGIC

  - Other: If Other is selected, options include:
    - PMI

    - Radian

    - RMIC

    - Triad

    - UGI

- MI Percent Coverage [ID 416]

  Enter the percentage of mortgage insurance coverage obtained.

- MI Financed Indicator [ID 423]

  Select if the mortgage insurance premium has been added to the loan amount.

- MI Source [ID 426]

  Select the source of the MI premium payment. If the MI premiums for the mortgage are either paid monthly or paid upfront, select the source 'Borrower or Lender) for the payment of the premium(s). If the premiums are paid both monthly and upfront, select the source of the monthly premium payment only. If MI Premium Payment Type is 'Rate Premium', select Lender as the valid value. Options include:

  - Borrower

  - Lender

MI Absence Reason [ID 429/430] (conditionally required for conventional mortgages and a MI Certificate Number does not exist)

Select the reason that primary mortgage insurance is not required or provided. Options include:

- MI Canceled Based On Current LTV (NA - can only be selected for bulk transactions).

- No MI Based On Original LTV. Select No MI Based On Original LTV if:

  - For a High LTV Refi and Refi Plus loan, the LTV is greater than 80% and the subject loan is not required to have mortgage insurance.

  - The LTV is less than or equal to 80% and the subject loan is not required to have mortgage insurance.