NoteSmith Fields: Updated 4/11/16

This is a list of account fields and their use in NoteSmith. The information here should be useful in the custom report writer of NoteSmith Pro or when importing the data into other software programs from NoteSmith. Fields are subject to change at any time.

Further explanation of these descriptions is not part of technical support for NoteSmith, as this file does not impact the workings of the software. Also, use of this information for importing data into NoteSmith is discouraged because it would bypass the many lines of error checking code in the program.

Certain fields below are labelled as "used internally only" and should not be relied on to generate custom reports or letters to payors. These fields are necessary for calculation purposes and are meaningful only to NoteSmith program code.

In Word and in the NoteSmith custom report writer, the field names loan_num and investor may have an _A, _B, or _C appended onto the end of them depending on how many times they are used during the query.

PAYOR.DBF

	CHAR(12)	loan_num		Must be unique and end with -RC or similar suffix
	CHAR(20)	lookup			Lookup name, usually lastname, firstname

	Payor information
	CHAR(14)	title			Mr., Mrs., etc.; Do not leave blank
	CHAR(20)	lastname		Form letters and envelopes depend on these 3 fields
	CHAR(15)	firstname		being completed properly
	CHAR(40)	company
	LOGICAL		co_pays			T if company is payor, F otherwise
	CHAR(40)	street
	CHAR(25)	city
	CHAR( 3)	state			3 characters in case of international use
	CHAR(10)	zipcode
	CHAR(20)	hphone			Home phone
	CHAR(20)	wphone			Work
	CHAR(20)	fax_phone		Fax
	CHAR(20)	oth_phone		Other phone number
	CHAR(40)	email
	LOGICAL		email_ok		OK to use email address
	CHAR(40)	sms
	LOGICAL		sms_ok			OK to send SMS (text) messages
	CHAR(11)	ssn				Social security number or TaxID, include hyphens
	CHAR(15)	acct_no			Free field in case another number is necessary, IRS1098

	Second payor info			These fields are optional
	CHAR(14)	titl2
	CHAR(15)	firstnam2
	CHAR(20)	lastnam2
	CHAR(40)	compan2
	CHAR(40)	stree2			Must be non-blank to print form letter to second payors
	CHAR(25)	cit2
	CHAR( 2)	stat2
	CHAR(10)	zipcod2
	LOGICAL		co_pay2
	CHAR(20)	wphon2
	CHAR(20)	hphon2
	CHAR(20)	fax_phon2
	CHAR(20)	oth_phon2
	CHAR(40)	emai2
	LOGICAL		emai2_ok		OK to use email address
	CHAR(40)	sm2
	LOGICAL		sm2_ok			OK to send SMS (text) messages
	CHAR(11)	ss2

	Property information
	CHAR(40)	pr_street		Appears on most reports
	CHAR(25)	pr_county		These fields are optional
	CHAR(25)	pr_city
	CHAR( 3)	pr_state
	CHAR(10)	pr_zipcode
	DBL( 5:1)   mkt_appr		Annual appreciation rate of property
	CHAR(30)	pr_extra		User defined field
	CHAR(12)	pr_extra2		User defined field
	CHAR(25)	pr_parcel		Parcel Number for land with no address, IRS1098
	LOGICAL		pr_parcuse		Use the Parcel Number on IRS1098
	DATE		date6252		Date property was acquired, IRS6252
	DBL(11:2)	expens6252		Expense of selling property, IRS 6252
	DBL( 5:1)	sr_chng			Rate of change on senior debt
	DATE		reminder		Reminder date popped up when recording payments
	CHAR(120)	remindtext		Text of reminder date
	DATE		bankrupt		Date payor filed; shuts off form letters, sets lockltrs true
	DBL(11:2)	salesprice		Sales price of the collateral
	DBL(11:2)	downpmt			Amount of down payment

	Note information			Generally, these are non-zero or non-blank
	DBL(11:2)	principal		Original balance
	DBL( 7:3)	int_rate		Face rate of the note
	DBL(11:2)	month_pmt		PI or lease only, no escrow
	DATE		orig_date		Date note was originated
	DATE		mat_date		Maturity and balloon date
	DBL(11:2)	balloon			Dollar amount of balloon, 0 if fully amortizing
	CHAR( 1)	calctype		WBHMQSA indicating payment period
	DBL(11:2)	latefee			Periodic late fee if paid after grace period
	INT( 2)		latedays		Grace period in days
	CHAR( 1)	usrule			Y or N
	DATE		lateldate		Date of last late letter
	CHAR( 1)	late_ord		0-4, sequence late fee is taken from spiti pmt
	DBL( 7:2)	svc_fee			Regular monthly fee
	CHAR( 1)	svcfee_who		Who pays service fee, P or R, Payor or Recipient
	DBL( 7:3)	prepmtpen		Prepayment penalty as percentage of balance

	CHAR( 20)	adj_name		Adjustable rate note type
	DBL( 7:3)	adj_min			Minimum rate for the note over its life
	DBL( 7:3)	adj_max			Maximum rate for the note over its life
	DBL( 7:3)	adj_margin		The rate or premium over the index
	DBL( 7:3)	adj_maxchg		Maximum one time change, typically annual
	DATE		adj_date		Date rate is next due to change
	CHAR( 13)	adj_period		Period rate is due to change, typically annual
	LOGICAL		adj_chgpmt		T if payment is adjusted after a rate change
	DBL( 7:3)	adj_orig		Original interest rate

	Investment information
	CHAR( 1)	buytype			T,P,B for Total, Partial, BSchedule partial
	DBL(11:2)	price_paid		Usually equal to the basis in the note
	DBL(11:2)	price_sold		Used to close a note out of NoteSmith
	DATE		sold_date		Used to close a note out of NoteSmith
	DBL( 7:3)	yield			Usually equal to int_rate unless the note is discounted
	CHAR( 4)	investor		Also appears in payment.dbf
	CHAR(15)	code1			User defined fields
	CHAR(15)	code2			These field names never change
	CHAR(15)	code3				even if their screen name is changed
	CHAR(15)	code4				from File, Company Configuration
	CHAR(15)	code5
	CHAR(15)	code6
	CHAR(15)	code7
	CHAR(15)	code8
	CHAR(15)	code9
	CHAR( 2)	auto_pay		Automatically pay underlying note, number of days later to pay
	LOGICAL		q_buy			Purchase sent to Quicken, used internally only
	LOGICAL		q_sold			Closeout info sent to Quicken, used internally only
	CHAR(10)	irs1098			Form to send IRS: 1098, 1099, None, or by email
	CHAR(15)	irs1099cec		IRS 1099-C event code
	DBL(11:2)	escramt			Amount of periodic escrow
	LOGICAL		escrauto		True to auto adjust, false to adjust manually
	DATE		promise			Date payor promises to pay delinquency
	LOGICAL		lockpmts		Lock account so payments cannot be recorded
	LOGICAL		lockltrs		Lock account so letters will not be printed
	LOGICAL		lockedit		Lock account so edit changes cannot be saved

PAYMENT.DBF		stores record of payments received, first record stores starting balance

	CHAR(12)	loan_num		Must be a unique field and match payor.dbf

	DATE		pay_date		Date payment is received
	DBL(11:2)	pmt_amt			Actual payment received (for non-split lines)
	CHAR( 1)	pmt_type		RrNnPSFETIUO, reg,rent,prin,nsf,esc,tax,ins,unclass esc,points
								Pmt_type is blank for the initial setup payment

	DBL(11:2)	interest		Distribution of a single payment
	DBL(11:2)	prin_pmt
	DBL(11:2)	latecharge
	DBL(11:2)	svcfee
	DBL(11:2)	escrpmt

	DBL(11:2)	kreturn			Return of capital, these two equal principal
	DBL(11:2)	discearn		Discount earned on a payment

	DBL(11:2)	balance			Payor's note balance
	DBL(11:2)	basis			Same as balance unless discounted or partial purchases
	DBL(11:2)	income			Interest, partial purchase int, rent

	DBL(3:0)	rem_pmts		Remaining payments owed by payor
	DBL(3:0)	rem_pmts_i		Remaining pmts owned by investor

	DATE		rec_date		Date payment was recorded into NoteSmith
	DATE		lastdue			Last payment due date, used internally only
	DATE		nextdue			Next payment due date
	DATE		last_date		Last payment date, used internally only
	DATE		last_int		Last date interest was calculated thru
	LOGICAL		daily			Daily interest or mid month principal proration
	LOGICAL		rate_chgd		Payment stores .t. when payor.dbf gets new adj int_rate

	DBL(11:2)	escrtot			These are balances
	DBL(11:2)	latetot
	DBL(11:2)	svctot
	DBL(11:2)	accrint			Accrued interest balance or deductible points on first pmt

	DBL(11:2)	part_rbal		Partial purchase info: used internally only
	DBL(11:2)	part_prin			for the distribution of payments for partials
	DBL(11:2)	part_int		These 4 fields are investor numbers which the
	DBL(11:2)	part_acci			payor should never see

	DBL(11:2)	accr_pi			Accrued toward completing Regular pmt, used internally only
	DBL(11:2)	accr_ti			These 4 fields are calculated after pmt is recorded
	DBL(11:2)	accr_svc		They are reset to zero for full payments
	DBL(11:2)	accr_lat		Non-zero for partial payments

	CHAR( 1)	lateltr			Pending late letter
	DBL(11:2)	mkt_val			Market value of property
	DBL(11:2)	sr_debt			Estimated amount of senior debt
	CHAR(10)	check_no		Appears as Reference on screen
	CHAR( 4)	investor		Code from payor.dbf for owner of note
	LOGICAL		q				Payment exported to Quicken/QB, used internally only
	CHAR( 1)	split			Part of larger pmt; F,S,s for Full, Split, subsequent split
	CHAR( 1)	batch			Batch number, for making multiple bank deposits/day
	DATE		batchdate		Date of this batch
	LOGICAL		latebild		True if late fee billed for the period, used internally only

ESCROW.DBF

	CHAR(12)	loan_num		Must be unique and match payor.dbf
	CHAR(10)	escname			Name of this escrow account, used internally only
	CHAR( 1)	ins_tax			Tax, Insurance, or Unclassified

	DATE		datedue			Due dates
	DATE		datepaid		Pay date filled in by NS with T or I payment

	DBL(11:2)	actual			Escrow amount filled in by NS with T or I payment
	DBL(11:2)	budget			User estimate of next payment owed

	CHAR( 1)	ins_tax			Insurance, Tax, or Unclassified (I, T, or U)

	CHAR( 6)	esc_title		Insurance agent or tax assessor information
	CHAR(15)	esc_last
	CHAR(15)	esc_first
	CHAR(40)	esc_co
	CHAR(40)	esc_str
	CHAR(20)	esc_city
	CHAR( 3)	esc_st
	CHAR(10)	esc_zip
	CHAR(20)	esc_phone
	CHAR(20)	esc_fax
	CHAR(40)	esc_email
	CHAR(30)	esc_policy

NOTEPAD.DBF		stores up to about 750 pages of free text notes per account

	CHAR(12)	loan_num		Must be a unique field and match payor.dbf
	CHAR(4)		note_num		Used to sequence blocks of notes
	CHAR(250)	notes			Notes in blocks of 250 characters

OTHER

	Certain fields are calculated on the fly and are not stored by NoteSmith
	These are accessible with custom reports
	
	DBL(11:2)   arrear_reg		Principal and interest or rent in arrears
	DBL(11:2)   arrear_lsv		Late and service fees in arrears
	DBL(11:2)   arrear_ppd		Partial payments toward the last payment period
	DBL(11:2)   arrear_net		Arrears as viewed on aging rpt, record window, edit window
								Net=reg+lsv-ppd