/// <summary>
/// Set the "common" data elements into the data structure: LoanCommonInfo
/// </summary>
static public void setupBorrowerInitialData(LoanCommonInfo loanCommonInfo, decimal DownPaymentPercentage, int MonthlyIncome, int MonthlyDebt, int CreditScore, int HOAFees, int dummyVariableToDistinguishMethodSignature)
{
loanCommonInfo.DownPaymentPercentage = DownPaymentPercentage;
loanCommonInfo.Income_Monthly = MonthlyIncome;
loanCommonInfo.Debt_Monthly = MonthlyDebt;
loanCommonInfo.CreditScore = CreditScore;
loanCommonInfo.HOA_Fees = HOAFees;
BaseInterestRatesByLoanType interestRates = new BaseInterestRatesByLoanType();
DebtRatios debtRatios = new DebtRatios();
loanCommonInfo.LoanInfo_FHA30 = new LoanProviderInfo("FHA 30-year Loan", 30, interestRates.FHA30);
// TODO: REFACTOR the max payment into the constructor for LoanProviderInfo (above line).
loanCommonInfo.LoanInfo_FHA30.Payment_Maximum = loanCommonInfo.LoanInfo_FHA30.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_FHA30, debtRatios.DebtRatio_House_FHA30, debtRatios.DebtRatio_Total_FHA30);
loanCommonInfo.LoanInfo_FHA25 = new LoanProviderInfo("FHA 25-year Loan", 25, interestRates.FHA25);
loanCommonInfo.LoanInfo_FHA25.Payment_Maximum = loanCommonInfo.LoanInfo_FHA25.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_FHA25, debtRatios.DebtRatio_House_FHA25, debtRatios.DebtRatio_Total_FHA25);
loanCommonInfo.LoanInfo_FHA20 = new LoanProviderInfo("FHA 20-year Loan", 20, interestRates.FHA20);
loanCommonInfo.LoanInfo_FHA20.Payment_Maximum = loanCommonInfo.LoanInfo_FHA20.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_FHA20, debtRatios.DebtRatio_House_FHA20, debtRatios.DebtRatio_Total_FHA20);
loanCommonInfo.LoanInfo_FHA15 = new LoanProviderInfo("FHA 15-year Loan", 15, interestRates.FHA15);
loanCommonInfo.LoanInfo_FHA15.Payment_Maximum = loanCommonInfo.LoanInfo_FHA15.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_FHA15, debtRatios.DebtRatio_House_FHA15, debtRatios.DebtRatio_Total_FHA15);
loanCommonInfo.LoanInfo_FHA10 = new LoanProviderInfo("FHA 10-year Loan", 10, interestRates.FHA10);
loanCommonInfo.LoanInfo_FHA10.Payment_Maximum = loanCommonInfo.LoanInfo_FHA10.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_FHA10, debtRatios.DebtRatio_House_FHA10, debtRatios.DebtRatio_Total_FHA10);
loanCommonInfo.LoanInfo_VA30 = new LoanProviderInfo("VA 30-year Loan", 30, interestRates.VA30);
loanCommonInfo.LoanInfo_VA30.Payment_Maximum = loanCommonInfo.LoanInfo_VA30.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_VA30, debtRatios.DebtRatio_House_VA30, debtRatios.DebtRatio_Total_VA30);
loanCommonInfo.LoanInfo_VA25 = new LoanProviderInfo("VA 25-year Loan", 25, interestRates.VA25);
loanCommonInfo.LoanInfo_VA25.Payment_Maximum = loanCommonInfo.LoanInfo_VA25.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_VA25, debtRatios.DebtRatio_House_VA25, debtRatios.DebtRatio_Total_VA25);
loanCommonInfo.LoanInfo_VA20 = new LoanProviderInfo("VA 20-year Loan", 20, interestRates.VA20);
loanCommonInfo.LoanInfo_VA20.Payment_Maximum = loanCommonInfo.LoanInfo_VA20.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_VA20, debtRatios.DebtRatio_House_VA20, debtRatios.DebtRatio_Total_VA20);
loanCommonInfo.LoanInfo_VA15 = new LoanProviderInfo("VA 15-year Loan", 15, interestRates.VA15);
loanCommonInfo.LoanInfo_VA15.Payment_Maximum = loanCommonInfo.LoanInfo_VA15.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_VA15, debtRatios.DebtRatio_House_VA15, debtRatios.DebtRatio_Total_VA15);
loanCommonInfo.LoanInfo_VA10 = new LoanProviderInfo("VA 10-year Loan", 10, interestRates.VA10);
loanCommonInfo.LoanInfo_VA10.Payment_Maximum = loanCommonInfo.LoanInfo_VA10.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_VA10, debtRatios.DebtRatio_House_VA10, debtRatios.DebtRatio_Total_VA10);
loanCommonInfo.LoanInfo_USDA30 = new LoanProviderInfo("USDA 30-year Loan", 30, interestRates.USDA30);
loanCommonInfo.LoanInfo_USDA30.Payment_Maximum = loanCommonInfo.LoanInfo_USDA30.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_USDA30, debtRatios.DebtRatio_House_USDA30, debtRatios.DebtRatio_Total_USDA30);
loanCommonInfo.LoanInfo_CONV30 = new LoanProviderInfo("CONV 30-year Loan", 30, interestRates.CONV30);
loanCommonInfo.LoanInfo_CONV30.Payment_Maximum = loanCommonInfo.LoanInfo_CONV30.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_CONV30, debtRatios.DebtRatio_House_CONV30, debtRatios.DebtRatio_Total_CONV30);
loanCommonInfo.LoanInfo_CONV25 = new LoanProviderInfo("CONV 25-year Loan", 25, interestRates.CONV25);
loanCommonInfo.LoanInfo_CONV25.Payment_Maximum = loanCommonInfo.LoanInfo_CONV25.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_CONV25, debtRatios.DebtRatio_House_CONV25, debtRatios.DebtRatio_Total_CONV25);
loanCommonInfo.LoanInfo_CONV20 = new LoanProviderInfo("CONV 20-year Loan", 20, interestRates.CONV20);
loanCommonInfo.LoanInfo_CONV20.Payment_Maximum = loanCommonInfo.LoanInfo_CONV20.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_CONV20, debtRatios.DebtRatio_House_CONV20, debtRatios.DebtRatio_Total_CONV20);
loanCommonInfo.LoanInfo_CONV15 = new LoanProviderInfo("CONV 15-year Loan", 15, interestRates.CONV15);
loanCommonInfo.LoanInfo_CONV15.Payment_Maximum = loanCommonInfo.LoanInfo_CONV15.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_CONV15, debtRatios.DebtRatio_House_CONV15, debtRatios.DebtRatio_Total_CONV15);
loanCommonInfo.LoanInfo_CONV10 = new LoanProviderInfo("CONV 10-year Loan", 10, interestRates.CONV10);
loanCommonInfo.LoanInfo_CONV10.Payment_Maximum = loanCommonInfo.LoanInfo_CONV10.calculateMaxPayment(loanCommonInfo, loanCommonInfo.LoanInfo_CONV10, debtRatios.DebtRatio_House_CONV10, debtRatios.DebtRatio_Total_CONV10);
}
private static void DisplayCommonLoanInformation(LoanCommonInfo loan_info)
{
Console.WriteLine("Common info from initial setups: -----------------------------------");
Console.WriteLine("Credit Score (input from client): {0}", loan_info.CreditScore);
Console.WriteLine("Down Payment (input from client): {0}%", loan_info.DownPaymentPercentage);
Console.WriteLine("Income (monthly) (input from client): {0:C}", loan_info.Income_Monthly);
Console.WriteLine("Debt (monthly) (input from client): {0:C}", loan_info.Debt_Monthly);
Console.WriteLine("HOA Fees (input from client): {0:C}", loan_info.HOA_Fees);
Console.WriteLine("");
}
// public Qualifier()
// {
// // TODO: Add constructor logic here
// }
/// <summary>
/// CLIENT SPECIFIC METHOD - Do not change
/// </summary>
static public void setupBorrowerInitialData(LoanCommonInfo loanCommonInfo, Decimal DownPaymentPercentage, int MonthlyIncome, int MonthlyDebt, int CreditScore, int HOAFees)
{
loanCommonInfo.DownPaymentPercentage = DownPaymentPercentage;
loanCommonInfo.Income_Monthly = MonthlyIncome;
loanCommonInfo.Debt_Monthly = MonthlyDebt;
loanCommonInfo.CreditScore = CreditScore;
loanCommonInfo.HOA_Fees = HOAFees;
//InterestRates IR = new InterestRates();
//loanCommonInfo.LoanInfo_FHA30 = new LoanProviderInfo("FHA 30-year Loan", 30, IR.FHA30);
//loanCommonInfo.LoanInfo_FHA15 = new LoanProviderInfo("FHA 15-year Loan", 15, IR.FHA15);
//loanCommonInfo.LoanInfo_VA30 = new LoanProviderInfo("VA 30-year Loan", 30, IR.VA30);
//loanCommonInfo.LoanInfo_VA15 = new LoanProviderInfo("VA 15-year Loan", 15, IR.VA15);
//loanCommonInfo.LoanInfo_USDA30 = new LoanProviderInfo("USDA 30-year Loan", 30, IR.USDA30);
//loanCommonInfo.LoanInfo_CONV30 = new LoanProviderInfo("CONV 30-year Loan", 30, IR.CONV30);
//loanCommonInfo.LoanInfo_CONV15 = new LoanProviderInfo("CONV 15-year Loan", 30, IR.CONV15);
BaseInterestRatesByLoanType interestRates = new BaseInterestRatesByLoanType();
DebtRatios debtRatios = new DebtRatios();
loanCommonInfo.LoanInfo_FHA30 = new LoanProviderInfo("FHA 30-year Loan", 30, interestRates.FHA30);
loanCommonInfo.LoanInfo_FHA25 = new LoanProviderInfo("FHA 25-year Loan", 25, interestRates.FHA25);
loanCommonInfo.LoanInfo_FHA20 = new LoanProviderInfo("FHA 20-year Loan", 20, interestRates.FHA20);
loanCommonInfo.LoanInfo_FHA15 = new LoanProviderInfo("FHA 15-year Loan", 15, interestRates.FHA15);
loanCommonInfo.LoanInfo_FHA10 = new LoanProviderInfo("FHB 10-year Loan", 10, interestRates.FHA10);
loanCommonInfo.LoanInfo_VA30 = new LoanProviderInfo("VA 30-year Loan", 30, interestRates.VA30);
loanCommonInfo.LoanInfo_VA25 = new LoanProviderInfo("VA 25-year Loan", 25, interestRates.VA25);
loanCommonInfo.LoanInfo_VA20 = new LoanProviderInfo("VA 20-year Loan", 20, interestRates.VA20);
loanCommonInfo.LoanInfo_VA15 = new LoanProviderInfo("VA 15-year Loan", 15, interestRates.VA15);
loanCommonInfo.LoanInfo_VA10 = new LoanProviderInfo("VA 10-year Loan", 10, interestRates.VA10);
loanCommonInfo.LoanInfo_USDA30 = new LoanProviderInfo("USDA 30-year Loan", 30, interestRates.USDA30);
loanCommonInfo.LoanInfo_CONV30 = new LoanProviderInfo("CONV 30-year Loan", 30, interestRates.CONV30);
loanCommonInfo.LoanInfo_CONV25 = new LoanProviderInfo("CONV 25-year Loan", 25, interestRates.CONV25);
loanCommonInfo.LoanInfo_CONV20 = new LoanProviderInfo("CONV 20-year Loan", 20, interestRates.CONV20);
loanCommonInfo.LoanInfo_CONV15 = new LoanProviderInfo("CONV 15-year Loan", 15, interestRates.CONV15);
loanCommonInfo.LoanInfo_CONV10 = new LoanProviderInfo("CONV 10-year Loan", 10, interestRates.CONV10);
// calculateMaxPayment(loanCommonInfo);
}
static public void DisplayLoanInformation(LoanCommonInfo loan_info)
{
DisplayCommonLoanInformation(loan_info);
Console.WriteLine("FHA30 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_FHA30, 9999);
Console.WriteLine("FHA15 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_FHA15, 9999);
Console.WriteLine("VA30 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_VA30, 9999);
Console.WriteLine("VA15 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_VA15, 9999);
Console.WriteLine("USDA30 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_USDA30, 9999);
Console.WriteLine("CONV30 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_CONV30, 9999);
Console.WriteLine("CONV15 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_CONV15, 9999);
Console.WriteLine("_FHA25 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_FHA25, 9999);
Console.WriteLine("_FHA20 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_FHA20, 9999);
Console.WriteLine("_FHA10 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_FHA10, 9999);
Console.WriteLine("_VA25 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_VA25, 9999);
Console.WriteLine("_VA20 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_VA20, 9999);
Console.WriteLine("_VA10 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_VA10, 9999);
Console.WriteLine("_CONV25 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_CONV25, 9999);
Console.WriteLine("_CONV20 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_CONV20, 9999);
Console.WriteLine("_CONV10 specific info follows: -----------------------------------");
DisplayLoanSpecificInfo(loan_info.LoanInfo_CONV10, 9999);
}
/// <summary>
/// Invoked when an input text file is provided to iterate through.
/// Flat-format allows multiple scenarios to be read and compared more easily.
/// </summary>
static public void DisplayLoanInformation_FlatFormat(LoanCommonInfo loan_info)
{
DisplayCommonLoanInformation(loan_info);
// Display header for the "loan specific" data.
// The constant formatting string. It specifies the padding.
// ... A negative number means to left-align.
// ... A positive number means to right-align.
string header = String.Format("{0,-20}{1,-5}{2,-13}{3,-11}{4,-15}{5,-15}{6,-10}{7,-10}{8,-10}{9,-15}{10,-20}{11,-15}{12,-15}{13,-15}{14,-25}{15,-15}{16,-15}\n",
"Type", "Term", "MaxHouseCost", "MaxPayment", "MaxBase", "MaxLoanTotal", "IntBase", "IntOffset", "IntTotal", "UpfrontMIBase",
"UpfrontMIAmount", "MonthlyMIRate", "MonthlyMIPmt", "MonthlyPTRate", "MonthlyPTPayment", "MonthlyP&I", "TotalPayment");
Console.WriteLine(header);
// Console.WriteLine("Type Term MaxBase BaxLoanTotal IntBase IntOffset IntTotal UpfrontMIBase UpfrontMIAmount MonthlyMIRate MonthlyMIPmt MonthlyPTRate MonthlyPTPayment MonthlyP&I TotalPayment");
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_CONV10);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_CONV15);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_CONV20);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_CONV25);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_CONV30);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_USDA30);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_FHA10);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_FHA15);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_FHA20);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_FHA25);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_FHA30);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_VA10);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_VA15);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_VA20);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_VA25);
DisplayLoanSpecificInfo_FlatFormat(loan_info.LoanInfo_VA30);
}
// Al notified me that the max payment is now loan specific. Now this logic is moved out of the common area.
/// <summary>
/// The Max Payment is based on monthly income vs. monthly debt.
/// The allowed debt ratio is loan specific (the debt ratio tables that are passed in).
/// "This is the max you can afford on a loan"
/// </summary>
public int calculateMaxPayment(LoanCommonInfo loanCommonInfo, LoanProviderInfo loanProviderInfo, double[,] debtRatioTable_House, double[,] debtRatioTable_Total)
{
int maxPayment = 0;
setupLookupTableIndices(loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage);
double debtRatio_IncomeBased = debtRatioTable_House[MortgageInsuranceColumnIndex, MortgageInsuranceRowIndex];
double debtRatio_DebtBased = debtRatioTable_Total[MortgageInsuranceColumnIndex, MortgageInsuranceRowIndex];
int maxPaymentAllowedBasedOnIncome = (int)(loanCommonInfo.Income_Monthly * debtRatio_IncomeBased);
int maxPaymentAllowedBasedOnDebt = (int)(loanCommonInfo.Income_Monthly * debtRatio_DebtBased) - loanCommonInfo.Debt_Monthly;
if (maxPaymentAllowedBasedOnIncome > maxPaymentAllowedBasedOnDebt)
{
maxPayment = maxPaymentAllowedBasedOnDebt;
}
else
{
maxPayment = maxPaymentAllowedBasedOnIncome;
}
return(maxPayment);
}
/// <summary>
/// CLIENT SPECIFIC DISPLAY METHOD - Do not change
/// </summary>
static public string DisplayLoanInformation(LoanCommonInfo loan_info, bool isThirty)
{
string results = string.Empty;
//results = "<hr><ul>";
//results += "<li>Common info from initial setups: -----------------------------------</li>";
//results += "<li>" + String.Format("Credit Score : {0}", loan_info.CreditScore) + "</li>";
//results += "<li>" + String.Format("Down Payment: {0}%", loan_info.DownPaymentPercentage) + "</li>";
//results += "<li>" + String.Format("Income (monthly): {0:C}", loan_info.Income_Monthly) + "</li>";
//results += "<li>" + String.Format("Debt (monthly): {0:C}", loan_info.Debt_Monthly) + "</li>";
//results += "<li>" + String.Format("Maximum Payment allowed: {0:C}", loan_info.Payment_Maximum) + "</li>";
//results += "</ul>";
//results += "<hr>";
if (isThirty)
{
results += "<table class=\"table table-striped\">";
results += "<tr>";
results += "</tr>";
results += DisplayLoanSpecificInfo(loan_info.LoanInfo_FHA30);
results += "</table>";
}
if (!isThirty)
{
results += "<table class=\"table table-striped\">";
results += "<tr>";
results += "</tr>";
results += DisplayLoanSpecificInfo(loan_info.LoanInfo_FHA15);
results += "</table>";
}
if (isThirty)
{
results += "<table class=\"table table-striped\">";
results += "<tr>";
results += "</tr>";
results += DisplayLoanSpecificInfo(loan_info.LoanInfo_VA30);
results += "</table>";
}
if (!isThirty)
{
results += "<table class=\"table table-striped\">";
results += "<tr>";
results += "</tr>";
results += DisplayLoanSpecificInfo(loan_info.LoanInfo_VA15);
results += "</table>";
}
if (isThirty)
{
results += "<table class=\"table table-striped\">";
results += "<tr>";
results += "</tr>";
results += DisplayLoanSpecificInfo(loan_info.LoanInfo_USDA30);
results += "</table>";
}
if (isThirty)
{
results += "<table class=\"table table-striped\">";
results += "<tr>";
results += DisplayLoanSpecificInfo(loan_info.LoanInfo_CONV30);
results += "</table>";
}
if (!isThirty)
{
results += "<table class=\"table table-striped\">";
results += "<tr>";
results += "</tr>";
results += DisplayLoanSpecificInfo(loan_info.LoanInfo_CONV15);
results += "</table>";
}
return(results);
}
/// <summary>
/// Wrapper around entry APIs.
/// Required (from client): Down Payment (as a decimal percentage), Monthly Income, Monthly Debt, Credit Score).
/// This method accomodates:
/// 1) Input from a .txt file
/// a) Setup (named) in the ConsoleApplication_Qualifier properties in the DEBUG menu.
/// b) (My test file is: C:\Users\kfultz\Documents\Visual Studio 2013\Projects\ConsoleApplication_Qualifier\ConsoleApplication_Qualifier\bin\Debug\Qualifier_input_params.txt)
/// c) .txt file can have multiple groups that will get iterated through.
/// 2) Command line parameters:
/// a) Console.WriteLine("Down Payment percentage - args[0]: {0:P}", args[0]);
/// b) Console.WriteLine("Monthly Income - args[1]: {0:C}", args[1]);
/// c) Console.WriteLine("Monthly Debt - args[2]: {0:C}", args[2]);
/// d) Console.WriteLine("Credit Score - args[3]: {0}", args[3]);
/// 3) No input parameters
/// a) Causes it to use some hard-coded default parameters.
/// </summary>
static void Main(string[] args)
{
LoanCommonInfo loanCommonInfo = null;
// Some defaults for testing purposes:
decimal downPaymentPercentage;
int monthlyIncome;
int monthlyDebt;
int creditScore;
int hoaFees; // Client requested that I allow this to be passed in and just pass it through to an output param. Value NOT USED in the actual Qualifier program.
if (args.Length > 0)
{
if (File.Exists(args[0]))
{
// Run using a text file with input params.
using (StreamReader sr = new StreamReader(args[0]))
{
string line;
while ((line = sr.ReadLine()) != null)
{
string[] parameters = line.Split(',');
if (parameters[0].CompareTo("DownPaymentPercentage") == 0)
{
// Skip the first parameter row since it is just header text to indicate the format for the rest of the entries.
// Nothing to see here... keep iterating...
}
else
{
downPaymentPercentage = decimal.Parse(parameters[0]);
monthlyIncome = int.Parse(parameters[1]);
monthlyDebt = int.Parse(parameters[2]);
creditScore = int.Parse(parameters[3]);
hoaFees = int.Parse(parameters[4]);
loanCommonInfo = RunQualifier(downPaymentPercentage, monthlyIncome, monthlyDebt, creditScore, hoaFees);
Qualifier.DisplayLoanInformation_FlatFormat(loanCommonInfo);
Console.WriteLine("</RunQualifier> *****************************************************************************************\n");
}
}
}
Console.ReadKey(); // Just to pause the console window for reading.
}
else
{
// Run using single set of commandline params.
Console.WriteLine("Number of args: {0}", args.Length);
Console.WriteLine("Down Payment percentage - args[0]: {0:P}", args[0]);
Console.WriteLine("Monthly Income - args[1]: {0:C}", args[1]);
Console.WriteLine("Monthly Debt - args[2]: {0:C}", args[2]);
Console.WriteLine("Credit Score - args[3]: {0}", args[3]);
Console.WriteLine("HOA Fees - args[4]: {0}", args[4]);
// values from command line
downPaymentPercentage = decimal.Parse(args[0]);
monthlyIncome = int.Parse(args[1]);
monthlyDebt = int.Parse(args[2]);
creditScore = int.Parse(args[3]);
hoaFees = int.Parse(args[4]);
loanCommonInfo = RunQualifier(downPaymentPercentage, monthlyIncome, monthlyDebt, creditScore, hoaFees);
Qualifier.DisplayLoanInformation(loanCommonInfo);
Console.WriteLine("*****************************************************************************************\n");
Console.ReadKey(); // Just to pause the console window for reading.
}
}
else
{
// No commandline params - Run using some defaults for testing purposes:
downPaymentPercentage = (decimal)3.0;
monthlyIncome = 4500;
monthlyDebt = 530;
creditScore = 680;
hoaFees = 0;
loanCommonInfo = RunQualifier(downPaymentPercentage, monthlyIncome, monthlyDebt, creditScore, hoaFees);
Qualifier.DisplayLoanInformation(loanCommonInfo);
Console.WriteLine("*****************************************************************************************\n");
Console.ReadKey(); // Just to pause the console window for reading.
}
//TestLoanCalculator();
}
/// <summary>
/// This is a good entry point for a client.
/// Wrapper around entry APIs.
/// Required (from client): Down Payment (as a decimal percentage), Monthly Income, Monthly Debt, Credit Score).
/// </summary>
public static LoanCommonInfo RunQualifier(decimal downPaymentPercentage, int monthlyIncome, int monthlyDebt, int creditScore, int hoaFees)
{
Qualifier qualifier = new Qualifier();
LoanCommonInfo loanCommonInfo = new LoanCommonInfo();
Qualifier.setupBorrowerInitialData(loanCommonInfo, downPaymentPercentage, monthlyIncome, monthlyDebt, creditScore, hoaFees, 9999);
Console.WriteLine("<RunQualifier> *****************************************************************************************");
try
{
// FHA 30-Year
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_FHA30, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_FHA30, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_FHA30, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_FHA30);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_FHA30, loanCommonInfo.LoanInfo_FHA30.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan - Credit Score: " + loanCommonInfo.CreditScore);
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
// FHA 15-Year
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_FHA15, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_FHA15, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_FHA15, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_FHA15);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_FHA15, loanCommonInfo.LoanInfo_FHA15.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
// VA 30-Year
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_VA30, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_VA30, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_VA30, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_VA30);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_VA30, loanCommonInfo.LoanInfo_VA30.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
// VA 15-Year
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_VA15, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_VA15, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_VA15, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_VA15);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_VA15, loanCommonInfo.LoanInfo_VA15.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
// USDA 30-Year
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_USDA30, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_USDA30, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_USDA30, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_USDA30);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_USDA30, loanCommonInfo.LoanInfo_USDA30.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
// CONV 30-Year
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_CONV30, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_CONV30, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_CONV30, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_CONV30);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_CONV30, loanCommonInfo.LoanInfo_CONV30.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
// CONV 15-Year
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_CONV15, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_CONV15, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_CONV15, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_CONV15);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_CONV15, loanCommonInfo.LoanInfo_CONV15.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _FHA25
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_FHA25, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_FHA25, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_FHA25, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_FHA25);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_FHA25, loanCommonInfo.LoanInfo_FHA25.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _FHA20
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_FHA20, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_FHA20, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_FHA20, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_FHA20);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_FHA20, loanCommonInfo.LoanInfo_FHA20.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _FHA10
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_FHA10, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_FHA10, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_FHA10, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_FHA10);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_FHA10, loanCommonInfo.LoanInfo_FHA10.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _VA25
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_VA25, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_VA25, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_VA25, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_VA25);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_VA25, loanCommonInfo.LoanInfo_VA25.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _VA20
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_VA20, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_VA20, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_VA20, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_VA20);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_VA20, loanCommonInfo.LoanInfo_VA20.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _VA10
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_VA10, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_VA10, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_VA10, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_VA10);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_VA10, loanCommonInfo.LoanInfo_VA10.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _CONV25
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_CONV25, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_CONV25, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_CONV25, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_CONV25);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_CONV25, loanCommonInfo.LoanInfo_CONV25.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _CONV20
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_CONV20, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_CONV20, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_CONV20, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_CONV20);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_CONV20, loanCommonInfo.LoanInfo_CONV20.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
try
{
//1-May-2015: Enhancement request - add 10yr and 20yr loans...
// _CONV10
LoanProviderInfo.setupLoanInfo(loanCommonInfo.LoanInfo_CONV10, loanCommonInfo.CreditScore, loanCommonInfo.DownPaymentPercentage, InterestRateOffsetsByLoanType.InterestRateOffsetByCreditScoreAndDownPayment_CONV10, MortgageInterestRatesByLoanType.UpfrontMortgageInterestRates_CONV10, MortgageInterestRatesByLoanType.MonthlyMortgageInterestRates_CONV10);
LoanProviderInfo.FindBestLoanAmount(loanCommonInfo.LoanInfo_CONV10, loanCommonInfo.LoanInfo_CONV10.Payment_Maximum, loanCommonInfo.DownPaymentPercentage);
}
catch (IndexOutOfRangeException ex)
{
Console.WriteLine("Credit Score too low for this loan");
Console.WriteLine(ex.GetType().FullName);
Console.WriteLine(ex.Message);
}
return(loanCommonInfo);
}
