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[]
[null,null,null,"FHA Streamline Refinance"]
[null,null,null,"(Complete highlighted boxes only - Revised 2/5/15)"]
[null,null,null,null,null,null,null,null,null,null,null,null,null,"Y",30,"UFMIP","Monthly"]
["Maximum Loan Amount Calculation",null,null,null,null,null,null,null,null,null,null,null,null,"N",60,1.7500000000000002E-2,4.4999999999999997E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1E-4,7.0000000000000001E-3]
["Loan #:  ",null,null,null,"Borrower Name:  ",null,null,null,null,null,null,null,null,null,null,null,8.0000000000000002E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,8.5000000000000006E-3]
["Date Prepared:  ",null,null,null,null,"Prepared By:  ",null,null,null,null,null,null,null,null,null,null,9.4999999999999998E-3]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,0.01]
["Outstanding Principal Balance",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,1.2999999999999999E-2]
[null,null,null,"Next Payment Due:  ",null,null,null,null,null,null,null,null,null,null,null,null,1.35E-2]
[null,null,null,null,"(mm/dd/YYYY)",null,null,null,null,null,null,null,null,null,null,null,1.4999999999999999E-2]
["Current Interest Rate on existing loan*"]
["*N/A for Non-Owner Occupied Properties"]
[null,null,null,"Using TOTAL $ Interest from Payoff Demand Y/N:  "]
[]
["Interest on Existing Loan",null,null,{"$f":"IF(E16=\"\",\"\",IF(E16=\"Y\",\"Enter $ Amount:  \",\"Do Not Use:  \"))","v":""},null,null,null,"+",{"$f":"IF(E16=\"Y\",E18,((I11*I14*E20)/365))","v":0}]
[]
[null,null,null,{"$f":"IF(E16=\"\",\"\",IF(E16=\"N\",\"Enter 30 or 60:  \",\"Do Not Use:  \"))","v":""}]
[]
["MMI from Existing Loan",null,null,null,null,null,null,"+"]
[" (no more than 2 months from demand or based on amount on mortgage statement)"]
[]
["Payoff",null,null,null,null,null,null,"=",{"$f":"I11+I18+I22","v":0}]
[]
["MIP Refund Credit, if applicable",null,null,null,"Closing Month:  ",null,null,"-"]
[null,null,null,null,null,"(mm/YYYY)"]
["Maximum Mortgage before UFMIP",null,null,null,null,null,null,"=",{"$f":"IF(G30=\"n\",I25-I27,F32)","v":0}]
[null,null,null,null,null,"Borrower electing an amount less than maximum allowable? Y/N:  "]
[]
[null,null,null,null,{"$f":"IF(G30=\"Y\",\"Enter Maximum Mortgage Amount Selected by Borrower:  \",\"Do not Use:  \")","v":"Do not Use:  "}]
[]
["Original Loan Amount Recorded"]
[]
["Maximum Base Loan Amount",null,{"$f":"IF(E34<I36,\"ALERT:  BASE LOAN AMOUNT EXCEEDS ORIGINAL LOAN AMOUNT.\",\"\")","v":""},null,null,null,null,null,{"$f":"IF(E34<(ROUNDDOWN(I29,0)),E34,(ROUNDDOWN(I29,0)))","v":0}]
[]
["New UFMIP (see chart below and choose from list)",null,null,null,null,null,null,"+",{"$f":"I36*E38","v":0}]
[]
["New Total Loan Amount",null,null,null,null,null,null,null,{"$f":"ROUNDDOWN((I36+I38),0)","v":0}]
[]
[]
["Loan-to-Value Calculation"]
["New Base Loan Amount",null,null,null,null,null,null,null,{"$f":"I36","v":0}]
[]
["Original Appraised Value (as indicated on Refi Authorization)"]
[]
["Loan-to-Value (to determine Monthly MI)",null,null,null,null,null,null,null,{"$f":"IF(I46=0,0,I44/I46)","v":0}]
[]
["Maximum term is limited to the lesser of: (check one)"]
["The remaining term of the existing mortgage:",null,null,null,"+ 12 Years",{"$f":"IF(D51=0,0,D51+12)","v":0},"or",30,"years"]
[]
[null,null,"Correct Upfront MIP Factor - Y/N:  ",null,null,null,null,null,"Upfront Factor Used (choose from list):  "]
[null,null,"Correct Monthly (Annual) Premium - Y/N:  ",null,null,null,null,null,"Monthly Factor Used (choose from list):  "]
[]
[]
[]
["Upfront and Monthly Mortgage Insurance Premiums"]
["Date Case # Assigned","For Case Numbers\nAssigned on or after\n4-1-2013\nBase Loan Amount\n< $625,500",null,"For Case Numbers Assigned on or after\n4-1-2013\nBase Loan Amount\n> $625,500",null,"For Case Numbers\nAssigned on or after\n1-26-2015\nBase Loan Amount\n< $625,500",null,"For Case Numbers Assigned on or after\n1-26-2015\nBase Loan Amount\n> $625,500",null,"For Case Numbers Assigned on or after\n6-11-12\nrefinancing loans endorsed on or before 5/31/09"]
[]
["Date Case Endorsed"]
[]
[]
["Streamline Refinances"]
["LTV\nLoan Term","UFMIP","Monthly","UFMIP","Monthly","UFMIP","Monthly","UFMIP","Monthly","UFMIP","Monthly"]
["LTV = > 95% Term = > 15 years",1.7500000000000002E-2,1.35E-2,1.7500000000000002E-2,1.55E-2,1.7500000000000002E-2,8.5000000000000006E-3,1.7500000000000002E-2,1.0500000000000001E-2,1E-4,5.4999999999999997E-3]
["LTV = < 95% Term = > 15 years",1.7500000000000002E-2,1.2999999999999999E-2,1.7500000000000002E-2,1.4999999999999999E-2,1.7500000000000002E-2,8.0000000000000002E-3,1.7500000000000002E-2,0.01]
["LTV = > 90% Term = < 15 years",1.7500000000000002E-2,7.0000000000000001E-3,1.7500000000000002E-2,9.4999999999999998E-3,1.7500000000000002E-2,7.0000000000000001E-3,1.7500000000000002E-2,9.4999999999999998E-3]
["LTV = > 78 % and < 90%",1.7500000000000002E-2,4.4999999999999997E-3,1.7500000000000002E-2,7.0000000000000001E-3,1.7500000000000002E-2,4.4999999999999997E-3,1.7500000000000002E-2,7.0000000000000001E-3]
["Term = < 15 years"]
["LTV = < 78% Term = < 15 years",1.7500000000000002E-2,".45%\n(effective\n6/3/13)",1.7500000000000002E-2,".45%\n(effective\n6/3/13)",1.7500000000000002E-2,".45%\n(effective\n6/3/13)",1.7500000000000002E-2,".45%\n(effective\n6/3/13)"]
[]
["Note: Discounts points, escrow shortages, late fees, etc. may not be included in the new mortgage. If the borrower agreed to pay the discount points, you must verify the borrower had the assets to pay along with other financing costs that are not included in the new mortgage amount."]
[]
[]
[]
["Short Funds to Close Existing Loan"]
[]
[]
["Loan #:  ",{"$f":"IF(B7=\"\",\"\",B7)","v":""},null,null,null,"Borrower Name:  ",{"$f":"IF(G7=\"\",\"\",G7)","v":""}]
[]
["Date Prepared:  ",{"$f":"IF(B9=\"\",\"\",B9)","v":""},null,null,null,"Prepared By:  ",""]
[]
["Principal Balance on Existing Loan from Payoff Demand",null,null,null,null,null,null,null,{"$f":"I11","v":0}]
[]
["Interest on Existing Loan",null,null,null,null,null,null,"+",{"$f":"I18","v":0}]
[]
["Monthly MIP from Payoff Demand (maximum 2 months)",null,null,null,null,null,null,"+",{"$f":"I22","v":0}]
[]
["MIP Refund Credit, if applicable",null,null,null,null,null,null,"-",{"$f":"I27","v":0}]
[]
["Subtotal",null,null,null,null,null,null,"=",{"$f":"I84+I86+I88-I90","v":0}]
[]
["New Base Loan Amount (from first page, includes MIP Refund Credit)",null,null,null,null,null,null,"-",{"$f":"I36","v":0}]
[]
["Short Funds to Close Existing Loan***",null,null,null,null,null,null,"=",{"$f":"I92-I94","v":0}]
["***Additional Funds must be verified in bank account(s) in addition to any mortgage payment being brought to closing***"]
[]
["Note:"]
["•Yield Spread Premium and/or Lender Credit cannot be applied towards principal, interest, Monthly MIP, existing late charges or delinquent taxes on existing loan.\n•Yield Spread Premium and/or Lender Credit can be applied towards misc. fees i.e. demand, statement, reconveyance fee(s) listed on demand."]
[]
["Seasoning Requirements - On the date of the FHA case number assignment:"]
["•The mortgagor must have made at least six payments on the FHA-insured mortgage that is being refinanced AND"]
["•At least six full months must have passed since the first payment due date of the refinanced mortgage AND"]
["•At least 210 days must have passed from disbursement date/recording date of the mortgage being refinanced"]
[]
["MIP refund credit can NEVER exceed current UFMIP. MWF will allow MIP refund up to current UFMIP to be used in loan qualification."]
[]
["Maximum CLTV for FHA Streamlines:"]
["•125% FHA Maximum"]