public async Task <ActionResult> LiquidAssetsUsable(string fileId)
{
try
{
this.Info("Calculating Liquid Assets Usable");
// Validate custom header values
CustomHeaderData customHeaderData = new CustomHeaderData(HttpContext.Request.Headers);
customHeaderData.ValidateCustomHeaders();
// Get the file from disk
MismoContentModel mismoContentModel =
await _fileManagerApiClient.GetMismoContentAsync(fileId, $"{_configuration["FileManagerApi:ApiUrl"]}");
// Use custom header information and mismo content to create IUSLoan & DocTypeCalcResolver
_IUSLoanManager.SetUp(customHeaderData, mismoContentModel);
DocTypeCalcResolver docTypeCalcResolver = _IUSLoanManager.GetDocTypeCalcResolver();
IUSLoan iusLoan = _IUSLoanManager.GetIUSLoan();
// Use Factory to create Calculations Interface
Calculations calcs = DocTypeCalcFactory.Create(docTypeCalcResolver, iusLoan);
decimal total = calcs.AssetCalculation.LiquidAssetsUsable();
return(Ok(total));
}
catch (Exception ex)
{
this.Error("Error in calculating Liquid Assets Usable", ex.Message);
return(BadRequest(ex.Message));
}
}
public async Task <MismoContentModel> GetMismoContentAsync(string fileId, string apiUrlBase)
{
string url = apiUrlBase + "/filecontent/read/mismocontent/" + fileId;
HttpWebRequest request = (HttpWebRequest)WebRequest.Create(url);
string result = string.Empty;
using (WebResponse resp = await request.GetResponseAsync() as HttpWebResponse)
{
using (Stream responseStream = resp.GetResponseStream())
{
using (StreamReader reader = new StreamReader(responseStream))
{
result = reader.ReadToEnd();
}
}
}
MismoContentModel contentModel = JsonConvert.DeserializeObject <MismoContentModel>(result);
return(contentModel);
}
public async Task <ActionResult> MortgageTermsDataAsync(string fileId)
{
try
{
this.Info("Calculating Mortgage Terms");
// Validate custom header values
CustomHeaderData customHeaderData = new CustomHeaderData(HttpContext.Request.Headers);
customHeaderData.ValidateCustomHeaders();
// Get the file from disk
MismoContentModel mismoContentModel =
await _fileManagerApiClient.GetMismoContentAsync(fileId, $"{_configuration["FileManagerApi:ApiUrl"]}");
// Use custom header information and mismo content to create IUSLoan & DocTypeCalcResolver
_IUSLoanManager.SetUp(customHeaderData, mismoContentModel);
DocTypeCalcResolver docTypeCalcResolver = _IUSLoanManager.GetDocTypeCalcResolver();
IUSLoan iusLoan = _IUSLoanManager.GetIUSLoan();
// Use Factory to create Calculations Interface
Calculations calcs = DocTypeCalcFactory.Create(docTypeCalcResolver, iusLoan);
if (iusLoan.MismoLoan.MortgageTerms != null)
{
return(Ok(iusLoan.MismoLoan.MortgageTerms));
}
else
{
return(NotFound());
}
}
catch (Exception ex)
{
this.Error("Error in Calculating Mortgage Terms", ex.Message);
return(BadRequest(ex.Message));
}
}
public void SetUp(CustomHeaderData customHeaderData, MismoContentModel mismoContentModel)
{
// Deserialize the MISMO xml to MISMO object
LoanApplicationDTO mismoXmlLoan = null;
using (TextReader reader = new StringReader(mismoContentModel.content))
{
mismoXmlLoan = (LoanApplicationDTO) new XmlSerializer(typeof(LoanApplicationDTO)).Deserialize(reader);
}
// Map MISMO object to IUSLoan.Loan object
MismoMapManager loanMapper = new MismoMapManager(mismoXmlLoan);
MismoLoan loan = new MismoLoan();
loan = loanMapper.MapToLoan();
// Create IUSLoan object
IUSLoan iUSLoan = new IUSLoan
{
DocType = customHeaderData.DocTypeEnum,
GuideLineDt = customHeaderData.GuidelineDt,
MismoLoan = loan,
Source = customHeaderData.SourceType,
ImpacProgramCode = customHeaderData.ImpacProgramCode
};
_IUSLoan = iUSLoan;
DocTypeCalcResolver resolver = new DocTypeCalcResolver
{
DocType = customHeaderData.DocTypeEnum,
GuideLineDt = customHeaderData.GuidelineDt,
Source = customHeaderData.SourceType
};
_docTypeCalcResolver = resolver;
}
public async Task <ActionResult> CalculateWorksheet(string fileId)
{
try
{
this.Info("Calculating BankStatement worksheet");
// Validate custom header values
CustomHeaderData customHeaderData = new CustomHeaderData(HttpContext.Request.Headers);
customHeaderData.ValidateCustomHeaders();
// Get full request from disk
LoanCalcRequestModel loanCalcRequestModel =
await _fileManagerApiClient.GetLoanCalcRequestAsync(fileId, $"{_configuration["FileManagerApi:ApiUrl"]}");
MismoContentModel mismoContentModel = loanCalcRequestModel.MismoContent;
List <CreditContentModel> creditContents = loanCalcRequestModel.CreditContents;
// Use custom header information and mismo content to create IUSLoan & DocTypeCalcResolver
_IUSLoanManager.SetUp(customHeaderData, loanCalcRequestModel);
DocTypeCalcResolver docTypeCalcResolver = _IUSLoanManager.GetDocTypeCalcResolver();
IUSLoan iusLoan = _IUSLoanManager.GetIUSLoan();
// Use Factory to create Calculations Interface
Calculations calcs = DocTypeCalcFactory.Create(docTypeCalcResolver, iusLoan);
// Create worksheet model
Worksheet worksheet = new Worksheet();
if (calcs.Message == null)
{
// Calculate Assets section
worksheet.Assets = GetWorksheetAssets(calcs);
// Calculate Residual Assets section
worksheet.ResidualAssets = GetWorksheetResidualAssets(calcs, iusLoan);
worksheet.ResidualAssets.TotalResidualAsset = calcs.AssetCalculation.TotalResidualAssets();
// Calculate 60 months Required Reserves
//worksheet.MonthlyLiabilities = GetMonthlyLiabilities(calcs, iusLoan);
//worksheet.SixtyMonthsRequiredReserves = GetSixtyMonthRequiredReserves(worksheet.MonthlyLiabilities);
//worksheet.ProgramReservesRequired = worksheet.SixtyMonthsRequiredReserves.Total +
// (worksheet.ResidualAssets.CashFromBorrower.CashFromBorrowerTotal > 0
// ? worksheet.ResidualAssets.CashFromBorrower.CashFromBorrowerTotal : 0);
// Calculate Qualifying P&I Payment
worksheet.QualifyingPI = GetQualifyingPI(calcs).ToString();
// Calculate BaseReserve
worksheet.BaseReserves = GetBaseReserves(calcs);
// Calculate Reo Reserves ForNonSubj Retained Properties
worksheet.AdditionalReservesRequired = GetReservesForNonSubjRetainedProperties(calcs);
worksheet.TotalRequiredReserves = worksheet.BaseReserves + GetAddOneMonthReserves(calcs);
worksheet.UsableCashoutProceeds = GetUsableCashOut(worksheet.ResidualAssets.CashFromBorrower.CashFromBorrowerTotal, calcs.LoanCalcs.LTV());
worksheet.NetReservesNeededAfterCashOut = GetNetReserves(worksheet.BaseReserves, worksheet.AdditionalReservesRequired,
worksheet.ResidualAssets.CashFromBorrower.CashFromBorrowerTotal, calcs.LoanCalcs.LTV());
worksheet.TotalAdditionalReservesStillRequired =
worksheet.ResidualAssets.TotalResidualAsset - worksheet.NetReservesNeededAfterCashOut < 0 ?
worksheet.ResidualAssets.TotalResidualAsset - worksheet.NetReservesNeededAfterCashOut : 0;
worksheet.TotalRequiredAssetsForTransaction = worksheet.ResidualAssets.CashFromBorrower.CashFromBorrowerTotal
+ worksheet.TotalAdditionalReservesStillRequired;
}
else
{
worksheet.Message = calcs.Message;
}
return(Ok(worksheet));
}
catch (Exception ex)
{
this.Error("Error in BankStatement", ex.Message);
return(BadRequest(ex.Message));
}
}
public async Task <ActionResult> CalculateWorksheet(string fileId)
{
try
{
this.Info("Calculating Encompass UW Launchpad worksheet");
// Validate custom header values
CustomHeaderData customHeaderData = new CustomHeaderData(HttpContext.Request.Headers);
customHeaderData.ValidateCustomHeaders();
// Get full request from disk
LoanCalcRequestModel loanCalcRequestModel =
await _fileManagerApiClient.GetLoanCalcRequestAsync(fileId, $"{_configuration["FileManagerApi:ApiUrl"]}");
MismoContentModel mismoContentModel = loanCalcRequestModel.MismoContent;
List <CreditContentModel> creditContents = loanCalcRequestModel.CreditContents;
// Use custom header information and mismo content to create IUSLoan & DocTypeCalcResolver
_IUSLoanManager.SetUp(customHeaderData, loanCalcRequestModel);
DocTypeCalcResolver docTypeCalcResolver = _IUSLoanManager.GetDocTypeCalcResolver();
IUSLoan iusLoan = _IUSLoanManager.GetIUSLoan();
// Use Factory to create Calculations Interface
Calculations calcs = DocTypeCalcFactory.Create(docTypeCalcResolver, iusLoan);
UWLaunchPadWorksheet worksheet = new UWLaunchPadWorksheet();
if (calcs.Message == null)
{
worksheet.ProgramReservesRequired = calcs.LoanCalcs.ProgramReservesRequired();
worksheet.Source = "IUS";
worksheet.AdditionalReservesRequired = calcs.LoanCalcs.AdditionalReservesRequired();
worksheet.TotalReservesRequired = worksheet.ProgramReservesRequired + worksheet.AdditionalReservesRequired;
worksheet.TotalReservesRequiredMonth = Math.Round(worksheet.TotalReservesRequired / GetPITIA(iusLoan, calcs), 2);
worksheet.Assets = GetWorksheetAssets(calcs);
worksheet.VerifiedAssetsMonth = Math.Round(worksheet.Assets.TotalVerifiedAmount / GetPITIA(iusLoan, calcs), 2);
worksheet.FundsAvailableForReserves = calcs.AssetCalculation.TotalResidualAssets();
worksheet.UsableCashOutProceed = calcs.LoanCalcs.CashoutProceed();
worksheet.UsableCashOutProceedMonth = Math.Round(worksheet.UsableCashOutProceed / GetPITIA(iusLoan, calcs), 2);
worksheet.RequiredFundsToClose = calcs.LoanCalcs.CashFromBorrower();
worksheet.TotalReservesAfterClose = worksheet.Assets.TotalVerifiedAmount - worksheet.RequiredFundsToClose;
worksheet.TotalReservesAfterCloseMonth = Math.Round(worksheet.TotalReservesAfterClose / GetPITIA(iusLoan, calcs), 2);
worksheet.TotalReservesWithCashoutProceed = worksheet.Assets.TotalVerifiedAmount
+ worksheet.UsableCashOutProceed - worksheet.RequiredFundsToClose;
worksheet.TotalReservesWithCashoutProceedMonth = Math.Round(worksheet.TotalReservesWithCashoutProceed / GetPITIA(iusLoan, calcs), 2);
worksheet.TotalNetQualifyingReserves = calcs.LoanCalcs.NetQualifyingReserves();
worksheet.TotalNetCashReserveAmount = worksheet.Assets.TotalUsable - calcs.LoanCalcs.CashFromBorrower()
- worksheet.TotalReservesRequired;
}
else
{
worksheet.Message = calcs.Message;
}
return(Ok(worksheet));
}
catch (Exception ex)
{
this.Error("Error in Encompass UW LaunchPad", ex.Message);
return(BadRequest(ex.Message));
}
}
public void SetUp(CustomHeaderData customHeaderData, LoanCalcRequestModel loanCalcRequestModel)
{
MismoContentModel mismoContentModel = loanCalcRequestModel.MismoContent;
List <CreditContentModel> creditContents = loanCalcRequestModel.CreditContents;
// Deserialize the MISMO xml to MISMO object
LoanApplicationDTO mismoXmlLoan = null;
using (TextReader reader = new StringReader(mismoContentModel.content))
{
mismoXmlLoan = (LoanApplicationDTO) new XmlSerializer(typeof(LoanApplicationDTO)).Deserialize(reader);
}
// Map MISMO object to IUSLoan.Loan object
MismoMapManager loanMapper = new MismoMapManager(mismoXmlLoan);
MismoLoan loan = new MismoLoan();
loan = loanMapper.MapToLoan();
// Deserialize each credit xml to Credit MISMO object
List <CreditResponseGroup> creditResponseGroups = new List <CreditResponseGroup>();
foreach (CreditContentModel creditContent in creditContents)
{
CREDITREPORTING_RESPONSE_GROUP_Type creditXml = null;
using (TextReader reader = new StringReader(creditContent.content))
{
creditXml = (CREDITREPORTING_RESPONSE_GROUP_Type) new XmlSerializer(typeof(CREDITREPORTING_RESPONSE_GROUP_Type)).Deserialize(reader);
}
// Map MISMO object to IUSLoan.Loan object
CreditMapManager creditMapper = new CreditMapManager(creditXml);
CreditResponseGroup creditResponseGroup = new CreditResponseGroup();
creditResponseGroup = creditMapper.MapToCredit();
creditResponseGroups.Add(creditResponseGroup);
}
// Create IUSLoan object
IUSLoan iUSLoan = new IUSLoan
{
DocType = customHeaderData.DocTypeEnum,
GuideLineDt = customHeaderData.GuidelineDt,
MismoLoan = loan,
Source = customHeaderData.SourceType,
ImpacProgramCode = customHeaderData.ImpacProgramCode,
CreditReports = creditResponseGroups
};
_IUSLoan = iUSLoan;
//Adding BankStatement if DocType is BankStatement or premier
if (_IUSLoan.DocType == DocTypeEnum.BankStatements || _IUSLoan.DocType == DocTypeEnum.BankStatementsPremier)
{
List <BankStatement> bankStatements = new List <BankStatement>();
List <BankStatementContentModel> bankStatementContents = loanCalcRequestModel.BankStatementContents;
if (bankStatementContents != null)
{
foreach (BankStatementContentModel BankStatModel in bankStatementContents)
{
object bankStatementDTO;
XmlSerializer serializer = new XmlSerializer(typeof(BankStatementDTO));
using (TextReader reader = new StringReader(BankStatModel.content))
{
bankStatementDTO = serializer.Deserialize(reader);
}
BankStatementMapManager BankStatementMapper = new BankStatementMapManager((BankStatementDTO)bankStatementDTO);
BankStatement bankStatement = new BankStatement();
bankStatement = BankStatementMapper.MapToBankStatement();
bankStatements.Add(bankStatement);
}
_IUSLoan.BankStatements = bankStatements;
}
else
{
//_logger.LogError("BankStatement not found");
}
}
if (loanCalcRequestModel.IUSLoanInfo != null)
{
// Merge MortgageTerms request info with loan's mortgage terms object
if (loanCalcRequestModel.IUSLoanInfo.MortgageTermsInfo != null)
{
MortgageTermsMergeManager mortgageTermsMergeMapper = new MortgageTermsMergeManager(loanCalcRequestModel.IUSLoanInfo.MortgageTermsInfo);
mortgageTermsMergeMapper.MergeWith(_IUSLoan.MismoLoan.MortgageTerms);
}
// Merge ReoProperties request info with loan object
if (loanCalcRequestModel.IUSLoanInfo.ReoPropertiesInfo != null)
{
ReoPropertyMergeManager reoPropertyMergeMapper = new ReoPropertyMergeManager(loanCalcRequestModel.IUSLoanInfo.ReoPropertiesInfo);
reoPropertyMergeMapper.MergeWith(_IUSLoan.MismoLoan.ReoProperties);
}
}
// Use Liability Merge Manager to apply bussiness logic on merging liabilities.
List <CreditLiability> allCreditLiabilities = new List <CreditLiability>();
foreach (CreditResponseGroup creditReport in _IUSLoan.CreditReports)
{
allCreditLiabilities.AddRange(creditReport.Response.ResponseData.CreditResponse.CreditLiabilities);
}
LiabilityMergeManager liabilityMergeManager
= new LiabilityMergeManager(allCreditLiabilities);
liabilityMergeManager.MergeWith(_IUSLoan.MismoLoan.Liabilities);
DocTypeCalcResolver resolver = new DocTypeCalcResolver
{
DocType = customHeaderData.DocTypeEnum,
GuideLineDt = customHeaderData.GuidelineDt,
Source = customHeaderData.SourceType
};
_docTypeCalcResolver = resolver;
}
public async Task <ActionResult> CalculateWorksheet(string fileId)
{
try
{
this.Info("Calculating Asset Qualifier worksheet");
// Validate custom header values
CustomHeaderData customHeaderData = new CustomHeaderData(HttpContext.Request.Headers);
customHeaderData.ValidateCustomHeaders();
// Get full request from disk
LoanCalcRequestModel loanCalcRequestModel =
await _fileManagerApiClient.GetLoanCalcRequestAsync(fileId, $"{_configuration["FileManagerApi:ApiUrl"]}");
MismoContentModel mismoContentModel = loanCalcRequestModel.MismoContent;
List <CreditContentModel> creditContents = loanCalcRequestModel.CreditContents;
// Use custom header information and mismo content to create IUSLoan & DocTypeCalcResolver
_IUSLoanManager.SetUp(customHeaderData, loanCalcRequestModel);
DocTypeCalcResolver docTypeCalcResolver = _IUSLoanManager.GetDocTypeCalcResolver();
IUSLoan iusLoan = _IUSLoanManager.GetIUSLoan();
// Use Factory to create Calculations Interface
Calculations calcs = DocTypeCalcFactory.Create(docTypeCalcResolver, iusLoan);
// Create worksheet model
Worksheet worksheet = new Worksheet();
if (calcs.Message == null)
{
// Calculate Assets section C7, C8, C9, C10, E11
worksheet.Assets = GetWorksheetAssets(calcs);
//LoanAmount, Subordinate financing loan amount, Cash from borrower E12, E13, E14
worksheet.ResidualAssets = GetWorksheetResidualAssets(calcs, iusLoan);
//Total Residual Assets E15
worksheet.ResidualAssets.TotalResidualAsset = calcs.AssetCalculation.TotalResidualAssets();
// Total Monthly Liabilites, mortgage related expense, PITIA, Total Net Rental D16, D17, D18, D19, D20, E21
worksheet.MonthlyLiabilities = GetMonthlyLiabilities(calcs, iusLoan);
//Total 60 months Required Reserves E22
worksheet.SixtyMonthsRequiredReserves = GetSixtyMonthRequiredReserves(worksheet.MonthlyLiabilities);
// Calculate Qualifying P&I Payment E23
worksheet.QualifyingPI = iusLoan.ImpacProgramCode.Contains("IO") ? GetQualifyingPI(calcs).ToString()
: calcs.ProposedHousingCalcs.FirstMortgagePIAmount().ToString();
// Calculate BaseReserve E24
worksheet.BaseReserves = GetBaseReserves(calcs);
//Calculate Additional Reserves Required E25
worksheet.AdditionalReservesRequired = GetReservesForNonSubjRetainedProperties(calcs);
//Additional Reserves Required
//worksheet.AdditionalReservesRequired = calcs.LoanCalcs.AdditionalReservesRequired();
//Net Reserves Need after Cashout E28
worksheet.NetReservesNeededAfterCashOut = worksheet.BaseReserves + worksheet.AdditionalReservesRequired;
//Total Additional Still Required E29
worksheet.TotalAdditionalReservesStillRequired = worksheet.NetReservesNeededAfterCashOut > 0 ? worksheet.NetReservesNeededAfterCashOut : 0;
//Total Required Assets For Transaction E30
worksheet.TotalRequiredAssetsForTransaction = worksheet.ResidualAssets.TotalResidualAsset +
worksheet.SixtyMonthsRequiredReserves.Total + worksheet.TotalAdditionalReservesStillRequired;
//Loan Qualify D31
worksheet.LoanQualify = worksheet.ResidualAssets.TotalResidualAsset < worksheet.TotalRequiredAssetsForTransaction ? false : true;
//Amount of shortage or funds Remains E32
worksheet.FundRemain = worksheet.ResidualAssets.TotalResidualAsset - worksheet.TotalRequiredAssetsForTransaction;
//Toal Monthly Income C39
worksheet.TotalMonthlyIncome = worksheet.ResidualAssets.TotalResidualAsset > 0 ? worksheet.ResidualAssets.TotalResidualAsset / 60 : 0;
//Total Monthly Residual Income E39
worksheet.TotalMonthlyResidualIncome = worksheet.TotalMonthlyIncome - worksheet.MonthlyLiabilities.Total;
worksheet.Date = DateTime.Now.Date.ToString("MM/dd/yyyy", CultureInfo.InvariantCulture);
}
else
{
worksheet.Message = calcs.Message;
}
return(Ok(worksheet));
}
catch (Exception ex)
{
this.Error("Error in Asset Qualifier worksheet", ex.Message);
return(BadRequest(ex.Message));
}
}
