{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://paramountls.com/api/v1/schema",
  "title": "Uniform Residential Loan Application (Form 1003 / URLA)",
  "description": "Request body for POST https://paramountls.com/api/v1/loan-applications. Modeled on Fannie Mae Form 1003 (Freddie Mac Form 65), the standard US residential loan application. Paramount Loan Services is a licensed California mortgage broker, NMLS #236355.",
  "type": "object",
  "properties": {
    "submitted_by": {
      "type": "object",
      "properties": {
        "agent_name": {
          "type": "string",
          "maxLength": 120,
          "description": "Name of the AI agent or application."
        },
        "operator": {
          "type": "string",
          "maxLength": 120,
          "description": "Company or person operating the agent."
        },
        "contact_email": {
          "type": "string",
          "format": "email",
          "description": "Where Paramount can reach the operator about this submission."
        },
        "relationship_to_borrower": {
          "type": "string",
          "maxLength": 200,
          "description": "e.g. \"assistant acting for the borrower\"."
        },
        "reference_id": {
          "type": "string",
          "maxLength": 80,
          "description": "Your own id for this application, echoed back in the response."
        }
      },
      "additionalProperties": false,
      "required": [
        "agent_name"
      ],
      "description": "Identifies the agent or software sending the application."
    },
    "acknowledgments": {
      "type": "object",
      "properties": {
        "borrower_consent_obtained": {
          "type": "boolean",
          "description": "The borrower knows this application is being submitted and agreed to it. Required."
        },
        "consent_timestamp": {
          "type": "string",
          "maxLength": 40,
          "description": "ISO 8601 time the borrower gave consent."
        },
        "borrower_agrees_to_be_contacted": {
          "type": "boolean",
          "description": "Consent to a phone call or email from a loan officer."
        },
        "sms_consent": {
          "type": "boolean",
          "description": "Separate express written consent for text messages (TCPA / 10DLC)."
        },
        "electronic_records_consent": {
          "type": "boolean",
          "description": "Consent to receive disclosures electronically (E-SIGN)."
        },
        "credit_report_authorization": {
          "type": "boolean",
          "description": "Authorization to obtain a credit report."
        }
      },
      "additionalProperties": false,
      "required": [
        "borrower_consent_obtained"
      ]
    },
    "borrowers": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "role": {
            "type": "string",
            "enum": [
              "borrower",
              "co_borrower"
            ]
          },
          "first_name": {
            "type": "string",
            "maxLength": 80
          },
          "middle_name": {
            "type": "string",
            "maxLength": 80
          },
          "last_name": {
            "type": "string",
            "maxLength": 80
          },
          "suffix": {
            "type": "string",
            "maxLength": 20
          },
          "alternate_names": {
            "type": "array",
            "items": {
              "type": "string"
            },
            "maxItems": 5,
            "description": "Any other name the borrower has used to receive credit."
          },
          "ssn": {
            "type": "string",
            "pattern": "^\\d{3}-?\\d{2}-?\\d{4}$",
            "description": "Social Security Number. Send only with the borrower’s knowledge and consent."
          },
          "itin": {
            "type": "string",
            "pattern": "^9\\d{2}-?\\d{2}-?\\d{4}$",
            "description": "Individual Taxpayer Identification Number, for ITIN loan programs."
          },
          "date_of_birth": {
            "type": "string",
            "format": "date",
            "pattern": "^\\d{4}-\\d{2}-\\d{2}$"
          },
          "citizenship": {
            "type": "string",
            "enum": [
              "us_citizen",
              "permanent_resident_alien",
              "non_permanent_resident_alien"
            ]
          },
          "marital_status": {
            "type": "string",
            "enum": [
              "married",
              "separated",
              "unmarried"
            ]
          },
          "dependents_count": {
            "type": "number",
            "minimum": 0,
            "maximum": 30
          },
          "dependents_ages": {
            "type": "array",
            "items": {
              "type": "number"
            },
            "maxItems": 30
          },
          "home_phone": {
            "type": "string"
          },
          "cell_phone": {
            "type": "string"
          },
          "work_phone": {
            "type": "string"
          },
          "work_phone_extension": {
            "type": "string",
            "maxLength": 10
          },
          "email": {
            "type": "string",
            "format": "email"
          },
          "preferred_language": {
            "type": "string",
            "enum": [
              "english",
              "spanish",
              "chinese",
              "korean",
              "tagalog",
              "vietnamese",
              "other",
              "no_preference"
            ],
            "description": "Paramount serves English and Spanish in-house."
          },
          "current_address": {
            "type": "object",
            "properties": {
              "street": {
                "type": "string",
                "maxLength": 200,
                "description": "Street address including house number."
              },
              "unit": {
                "type": "string",
                "maxLength": 40
              },
              "city": {
                "type": "string",
                "maxLength": 80
              },
              "state": {
                "type": "string",
                "pattern": "^[A-Za-z]{2}$",
                "description": "Two-letter US state or territory code, e.g. CA."
              },
              "zip": {
                "type": "string",
                "pattern": "^\\d{5}(-?\\d{4})?$",
                "description": "5-digit or ZIP+4."
              },
              "country": {
                "type": "string",
                "maxLength": 60,
                "description": "Defaults to US."
              },
              "years_at_address": {
                "type": "number",
                "minimum": 0,
                "maximum": 100
              },
              "months_at_address": {
                "type": "number",
                "minimum": 0,
                "maximum": 11
              },
              "housing": {
                "type": "string",
                "enum": [
                  "no_primary_housing_expense",
                  "own",
                  "rent"
                ]
              },
              "monthly_rent": {
                "type": "number",
                "description": "Monthly rent paid, when housing is rent."
              }
            },
            "additionalProperties": false
          },
          "mailing_address": {
            "type": "object",
            "properties": {
              "street": {
                "type": "string",
                "maxLength": 200,
                "description": "Street address including house number."
              },
              "unit": {
                "type": "string",
                "maxLength": 40
              },
              "city": {
                "type": "string",
                "maxLength": 80
              },
              "state": {
                "type": "string",
                "pattern": "^[A-Za-z]{2}$",
                "description": "Two-letter US state or territory code, e.g. CA."
              },
              "zip": {
                "type": "string",
                "pattern": "^\\d{5}(-?\\d{4})?$",
                "description": "5-digit or ZIP+4."
              },
              "country": {
                "type": "string",
                "maxLength": 60,
                "description": "Defaults to US."
              }
            },
            "additionalProperties": false,
            "description": "Only when different from the current address."
          },
          "former_address": {
            "type": "object",
            "properties": {
              "street": {
                "type": "string",
                "maxLength": 200,
                "description": "Street address including house number."
              },
              "unit": {
                "type": "string",
                "maxLength": 40
              },
              "city": {
                "type": "string",
                "maxLength": 80
              },
              "state": {
                "type": "string",
                "pattern": "^[A-Za-z]{2}$",
                "description": "Two-letter US state or territory code, e.g. CA."
              },
              "zip": {
                "type": "string",
                "pattern": "^\\d{5}(-?\\d{4})?$",
                "description": "5-digit or ZIP+4."
              },
              "country": {
                "type": "string",
                "maxLength": 60,
                "description": "Defaults to US."
              },
              "years_at_address": {
                "type": "number",
                "minimum": 0,
                "maximum": 100
              },
              "months_at_address": {
                "type": "number",
                "minimum": 0,
                "maximum": 11
              },
              "housing": {
                "type": "string",
                "enum": [
                  "no_primary_housing_expense",
                  "own",
                  "rent"
                ]
              },
              "monthly_rent": {
                "type": "number",
                "description": "Monthly rent paid, when housing is rent."
              }
            },
            "additionalProperties": false,
            "description": "Required by the lender when under two years at the current address."
          },
          "employment": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "employer_name": {
                  "type": "string",
                  "maxLength": 150
                },
                "employer_phone": {
                  "type": "string"
                },
                "employer_address": {
                  "type": "object",
                  "properties": {
                    "street": {
                      "type": "string",
                      "maxLength": 200,
                      "description": "Street address including house number."
                    },
                    "unit": {
                      "type": "string",
                      "maxLength": 40
                    },
                    "city": {
                      "type": "string",
                      "maxLength": 80
                    },
                    "state": {
                      "type": "string",
                      "pattern": "^[A-Za-z]{2}$",
                      "description": "Two-letter US state or territory code, e.g. CA."
                    },
                    "zip": {
                      "type": "string",
                      "pattern": "^\\d{5}(-?\\d{4})?$",
                      "description": "5-digit or ZIP+4."
                    },
                    "country": {
                      "type": "string",
                      "maxLength": 60,
                      "description": "Defaults to US."
                    }
                  },
                  "additionalProperties": false
                },
                "position_or_title": {
                  "type": "string",
                  "maxLength": 150
                },
                "start_date": {
                  "type": "string",
                  "format": "date",
                  "pattern": "^\\d{4}-\\d{2}-\\d{2}$"
                },
                "end_date": {
                  "type": "string",
                  "format": "date",
                  "pattern": "^\\d{4}-\\d{2}-\\d{2}$",
                  "description": "Previous employment only."
                },
                "is_current": {
                  "type": "boolean",
                  "description": "True for the job held today."
                },
                "years_in_line_of_work": {
                  "type": "number",
                  "minimum": 0,
                  "maximum": 80
                },
                "employed_by_family_or_party_to_transaction": {
                  "type": "boolean"
                },
                "is_self_employed": {
                  "type": "boolean"
                },
                "ownership_share": {
                  "type": "string",
                  "enum": [
                    "less_than_25_percent",
                    "25_percent_or_more"
                  ],
                  "description": "Self-employed borrowers only."
                },
                "monthly_income_or_loss": {
                  "type": "number",
                  "description": "Self-employed net monthly income or loss; may be negative."
                },
                "gross_monthly_income": {
                  "type": "object",
                  "properties": {
                    "base": {
                      "type": "number",
                      "description": "US dollars."
                    },
                    "overtime": {
                      "type": "number",
                      "description": "US dollars."
                    },
                    "bonus": {
                      "type": "number",
                      "description": "US dollars."
                    },
                    "commission": {
                      "type": "number",
                      "description": "US dollars."
                    },
                    "military_entitlements": {
                      "type": "number",
                      "description": "US dollars."
                    },
                    "other": {
                      "type": "number",
                      "description": "US dollars."
                    }
                  },
                  "additionalProperties": false
                }
              },
              "additionalProperties": false
            },
            "maxItems": 10
          },
          "other_income": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "source": {
                  "type": "string",
                  "enum": [
                    "alimony",
                    "automobile_allowance",
                    "boarder_income",
                    "capital_gains",
                    "child_support",
                    "disability",
                    "foster_care",
                    "housing_or_parsonage",
                    "interest_and_dividends",
                    "mortgage_credit_certificate",
                    "mortgage_differential_payments",
                    "notes_receivable",
                    "public_assistance",
                    "retirement",
                    "royalty_payments",
                    "separate_maintenance",
                    "social_security",
                    "trust",
                    "unemployment_benefits",
                    "va_compensation",
                    "other"
                  ]
                },
                "monthly_amount": {
                  "type": "number",
                  "description": "US dollars."
                },
                "description": {
                  "type": "string",
                  "maxLength": 200
                }
              },
              "additionalProperties": false,
              "required": [
                "source",
                "monthly_amount"
              ]
            },
            "maxItems": 15
          },
          "declarations": {
            "type": "object",
            "properties": {
              "will_occupy_as_primary_residence": {
                "type": "boolean"
              },
              "had_ownership_interest_last_three_years": {
                "type": "boolean"
              },
              "prior_property_type": {
                "type": "string",
                "enum": [
                  "primary_residence",
                  "second_home",
                  "investment_property"
                ]
              },
              "prior_property_title_held": {
                "type": "string",
                "enum": [
                  "sole_by_self",
                  "jointly_with_spouse",
                  "jointly_with_other"
                ]
              },
              "family_or_business_relationship_with_seller": {
                "type": "boolean"
              },
              "borrowing_money_not_disclosed": {
                "type": "boolean"
              },
              "borrowing_money_amount": {
                "type": "number",
                "description": "US dollars."
              },
              "applying_for_other_mortgage_on_other_property": {
                "type": "boolean"
              },
              "applying_for_new_credit_before_closing": {
                "type": "boolean"
              },
              "property_subject_to_lien_with_priority": {
                "type": "boolean"
              },
              "co_signer_or_guarantor_on_undisclosed_debt": {
                "type": "boolean"
              },
              "outstanding_judgments": {
                "type": "boolean"
              },
              "delinquent_or_in_default_on_federal_debt": {
                "type": "boolean"
              },
              "party_to_lawsuit_with_financial_liability": {
                "type": "boolean"
              },
              "conveyed_title_in_lieu_of_foreclosure_last_seven_years": {
                "type": "boolean"
              },
              "pre_foreclosure_sale_or_short_sale_last_seven_years": {
                "type": "boolean"
              },
              "property_foreclosed_last_seven_years": {
                "type": "boolean"
              },
              "declared_bankruptcy_last_seven_years": {
                "type": "boolean"
              },
              "bankruptcy_types": {
                "type": "array",
                "items": {
                  "type": "string",
                  "enum": [
                    "chapter_7",
                    "chapter_11",
                    "chapter_12",
                    "chapter_13"
                  ]
                },
                "maxItems": 4
              },
              "explanations": {
                "type": "string",
                "maxLength": 4000,
                "description": "Free-text detail for any declaration answered yes."
              }
            },
            "additionalProperties": false
          },
          "military_service": {
            "type": "object",
            "properties": {
              "ever_served": {
                "type": "boolean"
              },
              "currently_serving_active_duty": {
                "type": "boolean"
              },
              "projected_expiration_of_service": {
                "type": "string",
                "format": "date",
                "pattern": "^\\d{4}-\\d{2}-\\d{2}$"
              },
              "currently_retired_discharged_or_separated": {
                "type": "boolean"
              },
              "non_activated_reserve_or_national_guard": {
                "type": "boolean"
              },
              "surviving_spouse": {
                "type": "boolean"
              }
            },
            "additionalProperties": false
          },
          "demographic_information": {
            "type": "object",
            "properties": {
              "ethnicity": {
                "type": "array",
                "items": {
                  "type": "string",
                  "enum": [
                    "hispanic_or_latino",
                    "not_hispanic_or_latino",
                    "do_not_wish_to_provide"
                  ]
                },
                "maxItems": 3
              },
              "ethnicity_detail": {
                "type": "string",
                "maxLength": 120,
                "description": "Mexican, Puerto Rican, Cuban, or other origin."
              },
              "sex": {
                "type": "string",
                "enum": [
                  "female",
                  "male",
                  "do_not_wish_to_provide"
                ]
              },
              "race": {
                "type": "array",
                "items": {
                  "type": "string",
                  "enum": [
                    "american_indian_or_alaska_native",
                    "asian",
                    "black_or_african_american",
                    "native_hawaiian_or_other_pacific_islander",
                    "white",
                    "do_not_wish_to_provide"
                  ]
                },
                "maxItems": 6
              },
              "race_detail": {
                "type": "string",
                "maxLength": 200
              },
              "collected_by": {
                "type": "string",
                "enum": [
                  "face_to_face",
                  "telephone",
                  "fax_or_mail",
                  "email_or_internet"
                ]
              },
              "applicant_declined_to_provide": {
                "type": "boolean"
              }
            },
            "additionalProperties": false,
            "description": "Government monitoring data. Optional, and never used in the credit decision."
          },
          "credit_score_estimate": {
            "type": "number",
            "minimum": 300,
            "maximum": 900,
            "description": "Self-reported estimate. Not a substitute for a credit pull."
          }
        },
        "additionalProperties": false,
        "required": [
          "role",
          "first_name",
          "last_name"
        ]
      },
      "minItems": 1,
      "maxItems": 4
    },
    "loan": {
      "type": "object",
      "properties": {
        "purpose": {
          "type": "string",
          "enum": [
            "purchase",
            "refinance",
            "construction",
            "home_equity",
            "business",
            "other"
          ]
        },
        "loan_amount": {
          "type": "number",
          "description": "Amount requested, in US dollars."
        },
        "mortgage_type": {
          "type": "string",
          "enum": [
            "conventional",
            "fha",
            "va",
            "usda_rural",
            "other"
          ]
        },
        "program": {
          "type": "string",
          "enum": [
            "conventional",
            "fha",
            "va",
            "usda",
            "jumbo",
            "bank_statement",
            "ptl_profit_loss",
            "asset_depletion",
            "dscr",
            "itin",
            "foreign_national",
            "hard_money",
            "fix_and_flip",
            "heloc",
            "heloan",
            "cash_out_refinance",
            "construction",
            "renovation_203k",
            "commercial_real_estate",
            "equipment_financing",
            "reverse_mortgage",
            "unsure"
          ],
          "description": "The Paramount program the borrower is aiming at, if known. Use \"unsure\" freely."
        },
        "amortization": {
          "type": "string",
          "enum": [
            "fixed_rate",
            "adjustable_rate",
            "interest_only",
            "other"
          ]
        },
        "term_months": {
          "type": "number",
          "minimum": 1,
          "maximum": 600
        },
        "interest_rate": {
          "type": "number",
          "minimum": 0,
          "maximum": 50,
          "description": "Rate being discussed, if any. Paramount quotes no rate through this API."
        },
        "refinance_type": {
          "type": "string",
          "enum": [
            "no_cash_out",
            "limited_cash_out",
            "cash_out"
          ]
        },
        "refinance_program": {
          "type": "string",
          "enum": [
            "full_documentation",
            "interest_rate_reduction",
            "streamlined_without_appraisal",
            "other"
          ]
        },
        "cash_out_amount": {
          "type": "number",
          "description": "US dollars."
        },
        "down_payment_amount": {
          "type": "number",
          "description": "US dollars."
        },
        "down_payment_source": {
          "type": "string",
          "maxLength": 200
        },
        "estimated_closing_costs": {
          "type": "number",
          "description": "US dollars."
        },
        "purchase_price": {
          "type": "number",
          "description": "US dollars."
        },
        "timeline": {
          "type": "string",
          "enum": [
            "immediately",
            "within_30_days",
            "within_60_days",
            "within_90_days",
            "more_than_90_days",
            "just_researching"
          ]
        }
      },
      "additionalProperties": false,
      "required": [
        "purpose",
        "loan_amount"
      ]
    },
    "property": {
      "type": "object",
      "properties": {
        "street": {
          "type": "string",
          "maxLength": 200,
          "description": "Street address including house number."
        },
        "unit": {
          "type": "string",
          "maxLength": 40
        },
        "city": {
          "type": "string",
          "maxLength": 80
        },
        "state": {
          "type": "string",
          "pattern": "^[A-Za-z]{2}$",
          "description": "Two-letter US state or territory code, e.g. CA."
        },
        "zip": {
          "type": "string",
          "pattern": "^\\d{5}(-?\\d{4})?$",
          "description": "5-digit or ZIP+4."
        },
        "country": {
          "type": "string",
          "maxLength": 60,
          "description": "Defaults to US."
        },
        "county": {
          "type": "string",
          "maxLength": 80
        },
        "number_of_units": {
          "type": "number",
          "minimum": 1,
          "maximum": 100
        },
        "estimated_value": {
          "type": "number",
          "description": "US dollars."
        },
        "occupancy": {
          "type": "string",
          "enum": [
            "primary_residence",
            "second_home",
            "investment_property"
          ]
        },
        "is_mixed_use": {
          "type": "boolean"
        },
        "is_manufactured_home": {
          "type": "boolean"
        },
        "is_fha_secondary_residence": {
          "type": "boolean"
        },
        "property_not_yet_identified": {
          "type": "boolean",
          "description": "True when the borrower is shopping and has no address yet."
        },
        "expected_monthly_rental_income": {
          "type": "number",
          "description": "US dollars."
        },
        "net_monthly_rental_income": {
          "type": "number",
          "description": "US dollars."
        }
      },
      "additionalProperties": false
    },
    "assets": {
      "type": "object",
      "properties": {
        "accounts": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "account_type": {
                "type": "string",
                "enum": [
                  "checking",
                  "savings",
                  "money_market",
                  "certificate_of_deposit",
                  "mutual_fund",
                  "stocks",
                  "stock_options",
                  "bonds",
                  "retirement",
                  "bridge_loan_proceeds",
                  "individual_development_account",
                  "trust_account",
                  "cash_value_of_life_insurance"
                ]
              },
              "financial_institution": {
                "type": "string",
                "maxLength": 150
              },
              "account_number": {
                "type": "string",
                "maxLength": 40
              },
              "cash_or_market_value": {
                "type": "number",
                "description": "US dollars."
              },
              "owned_by": {
                "type": "number",
                "minimum": 0,
                "maximum": 3,
                "description": "Index into borrowers[]. Omit for jointly held."
              }
            },
            "additionalProperties": false,
            "required": [
              "account_type",
              "cash_or_market_value"
            ]
          },
          "maxItems": 30
        },
        "other_assets": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "asset_type": {
                "type": "string",
                "enum": [
                  "proceeds_from_real_estate_to_be_sold",
                  "proceeds_from_sale_of_non_real_estate_asset",
                  "secured_borrowed_funds",
                  "unsecured_borrowed_funds",
                  "other"
                ]
              },
              "cash_or_market_value": {
                "type": "number",
                "description": "US dollars."
              },
              "description": {
                "type": "string",
                "maxLength": 200
              }
            },
            "additionalProperties": false,
            "required": [
              "asset_type",
              "cash_or_market_value"
            ]
          },
          "maxItems": 20
        },
        "credits": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "credit_type": {
                "type": "string",
                "enum": [
                  "earnest_money",
                  "employer_assistance",
                  "lot_equity",
                  "relocation_funds",
                  "rent_credit",
                  "sweat_equity",
                  "trade_equity",
                  "other"
                ]
              },
              "amount": {
                "type": "number",
                "description": "US dollars."
              },
              "description": {
                "type": "string",
                "maxLength": 200
              }
            },
            "additionalProperties": false,
            "required": [
              "credit_type",
              "amount"
            ]
          },
          "maxItems": 20
        }
      },
      "additionalProperties": false
    },
    "liabilities": {
      "type": "object",
      "properties": {
        "accounts": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "liability_type": {
                "type": "string",
                "enum": [
                  "revolving",
                  "installment",
                  "open_30_day",
                  "lease",
                  "other"
                ]
              },
              "creditor_name": {
                "type": "string",
                "maxLength": 150
              },
              "account_number": {
                "type": "string",
                "maxLength": 40
              },
              "monthly_payment": {
                "type": "number",
                "description": "US dollars."
              },
              "unpaid_balance": {
                "type": "number",
                "description": "US dollars."
              },
              "to_be_paid_off_at_or_before_closing": {
                "type": "boolean"
              },
              "owned_by": {
                "type": "number",
                "minimum": 0,
                "maximum": 3
              }
            },
            "additionalProperties": false,
            "required": [
              "liability_type"
            ]
          },
          "maxItems": 40
        },
        "other_obligations": {
          "type": "array",
          "items": {
            "type": "object",
            "properties": {
              "obligation_type": {
                "type": "string",
                "enum": [
                  "alimony",
                  "child_support",
                  "separate_maintenance",
                  "job_related_expenses",
                  "other"
                ]
              },
              "monthly_payment": {
                "type": "number",
                "description": "US dollars."
              },
              "months_remaining": {
                "type": "number",
                "minimum": 0,
                "maximum": 600
              },
              "to_be_paid_off_at_or_before_closing": {
                "type": "boolean"
              },
              "description": {
                "type": "string",
                "maxLength": 200
              }
            },
            "additionalProperties": false,
            "required": [
              "obligation_type",
              "monthly_payment"
            ]
          },
          "maxItems": 20
        }
      },
      "additionalProperties": false
    },
    "real_estate_owned": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "street": {
            "type": "string",
            "maxLength": 200,
            "description": "Street address including house number."
          },
          "unit": {
            "type": "string",
            "maxLength": 40
          },
          "city": {
            "type": "string",
            "maxLength": 80
          },
          "state": {
            "type": "string",
            "pattern": "^[A-Za-z]{2}$",
            "description": "Two-letter US state or territory code, e.g. CA."
          },
          "zip": {
            "type": "string",
            "pattern": "^\\d{5}(-?\\d{4})?$",
            "description": "5-digit or ZIP+4."
          },
          "country": {
            "type": "string",
            "maxLength": 60,
            "description": "Defaults to US."
          },
          "property_value": {
            "type": "number",
            "description": "US dollars."
          },
          "status": {
            "type": "string",
            "enum": [
              "sold",
              "pending_sale",
              "retained"
            ]
          },
          "intended_occupancy": {
            "type": "string",
            "enum": [
              "primary_residence",
              "second_home",
              "investment_property",
              "other"
            ]
          },
          "monthly_insurance_taxes_and_dues": {
            "type": "number",
            "description": "Only when not included in the mortgage payment."
          },
          "monthly_rental_income": {
            "type": "number",
            "description": "US dollars."
          },
          "net_monthly_rental_income": {
            "type": "number",
            "description": "US dollars."
          },
          "is_subject_property": {
            "type": "boolean"
          },
          "mortgage_loans": {
            "type": "array",
            "items": {
              "type": "object",
              "properties": {
                "creditor_name": {
                  "type": "string",
                  "maxLength": 150
                },
                "account_number": {
                  "type": "string",
                  "maxLength": 40
                },
                "monthly_payment": {
                  "type": "number",
                  "description": "US dollars."
                },
                "unpaid_balance": {
                  "type": "number",
                  "description": "US dollars."
                },
                "to_be_paid_off_at_or_before_closing": {
                  "type": "boolean"
                },
                "liability_type": {
                  "type": "string",
                  "enum": [
                    "revolving",
                    "installment",
                    "open_30_day",
                    "lease",
                    "other"
                  ]
                },
                "credit_limit": {
                  "type": "number",
                  "description": "US dollars."
                }
              },
              "additionalProperties": false
            },
            "maxItems": 8
          }
        },
        "additionalProperties": false
      },
      "maxItems": 20,
      "description": "Section 3. Every property the borrower owns, including the one being refinanced."
    },
    "other_new_mortgage_loans": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "creditor_name": {
            "type": "string",
            "maxLength": 150
          },
          "lien_type": {
            "type": "string",
            "maxLength": 60
          },
          "monthly_payment": {
            "type": "number",
            "description": "US dollars."
          },
          "loan_amount": {
            "type": "number",
            "description": "US dollars."
          },
          "credit_limit": {
            "type": "number",
            "description": "US dollars."
          }
        },
        "additionalProperties": false
      },
      "maxItems": 10,
      "description": "Section 4b. Other new mortgage loans on the subject property."
    },
    "gifts_or_grants": {
      "type": "array",
      "items": {
        "type": "object",
        "properties": {
          "gift_type": {
            "type": "string",
            "enum": [
              "cash_gift",
              "gift_of_equity",
              "grant"
            ]
          },
          "source": {
            "type": "string",
            "enum": [
              "community_nonprofit",
              "employer",
              "federal_agency",
              "local_agency",
              "relative",
              "religious_nonprofit",
              "state_agency",
              "unmarried_partner",
              "lender",
              "other"
            ]
          },
          "value": {
            "type": "number",
            "description": "US dollars."
          },
          "status": {
            "type": "string",
            "enum": [
              "deposited",
              "not_deposited"
            ]
          }
        },
        "additionalProperties": false,
        "required": [
          "gift_type",
          "source",
          "value"
        ]
      },
      "maxItems": 10,
      "description": "Section 4d."
    },
    "loan_originator": {
      "type": "object",
      "properties": {
        "organization_name": {
          "type": "string",
          "maxLength": 150
        },
        "organization_nmls_id": {
          "type": "string",
          "maxLength": 20
        },
        "organization_state_license_id": {
          "type": "string",
          "maxLength": 40
        },
        "originator_name": {
          "type": "string",
          "maxLength": 120
        },
        "originator_nmls_id": {
          "type": "string",
          "maxLength": 20
        },
        "originator_state_license_id": {
          "type": "string",
          "maxLength": 40
        },
        "email": {
          "type": "string",
          "format": "email"
        },
        "phone": {
          "type": "string"
        }
      },
      "additionalProperties": false,
      "description": "Section 9. Leave empty and Paramount assigns a licensed loan officer."
    },
    "notes": {
      "type": "string",
      "maxLength": 8000,
      "description": "Anything a loan officer should read first. Plain English."
    }
  },
  "additionalProperties": false,
  "required": [
    "submitted_by",
    "acknowledgments",
    "borrowers",
    "loan",
    "property"
  ]
}