{
  "$schema": "https://json-schema.org/draft/2020-12",
  "$id": "https://api-evangelist.github.io/ryland-group/json-schema/ryland-mortgage-schema.json",
  "title": "Ryland Mortgage",
  "description": "A consumer mortgage loan originated by Ryland Mortgage Company for the purchase of a Ryland home",
  "type": "object",
  "properties": {
    "loanId": {
      "type": "string",
      "description": "Unique loan application identifier"
    },
    "homeId": {
      "type": "string",
      "description": "Identifier of the home being financed"
    },
    "loanType": {
      "type": "string",
      "enum": ["conventional", "fha", "va", "usda"],
      "description": "Type of mortgage loan"
    },
    "loanAmount": {
      "type": "number",
      "format": "double",
      "description": "Total loan amount in USD"
    },
    "downPayment": {
      "type": "number",
      "format": "double",
      "description": "Down payment amount in USD"
    },
    "interestRate": {
      "type": "number",
      "format": "double",
      "description": "Annual interest rate as a percentage"
    },
    "loanTermYears": {
      "type": "integer",
      "enum": [10, 15, 20, 25, 30],
      "description": "Loan term in years"
    },
    "rateType": {
      "type": "string",
      "enum": ["fixed", "arm"],
      "description": "Fixed or adjustable rate mortgage"
    },
    "status": {
      "type": "string",
      "enum": ["pre_qualified", "applied", "processing", "approved", "closed", "denied"],
      "description": "Current status of the loan application"
    },
    "closingDate": {
      "type": "string",
      "format": "date",
      "description": "Expected or actual closing date"
    },
    "monthlyPayment": {
      "type": "number",
      "format": "double",
      "description": "Estimated monthly principal and interest payment in USD"
    }
  },
  "required": ["loanId", "homeId", "loanType", "loanAmount", "status"]
}