public function getPricing(LoanApplication $loan)
{
foreach ($loan->getPricingScenario() as $scenario) {
$this->em->remove($scenario);
}
$loan->removeAllPricingScenarios();
$this->em->flush();
}
protected function removeLoanCreditReports(LoanApplication $loan)
{
$this->removeBorrowerCreditReport($loan->getBorrower());
$coBorrowers = $loan->getCoBorrower();
foreach ($coBorrowers as $borrower) {
$this->removeBorrowerCreditReport($borrower);
}
}
public function buildForm(FormBuilderInterface $builder, array $options)
{
$site = $this->site;
$application = $this->application;
$builder->add('sale_price', 'money', array('label' => 'Sale Price', 'currency' => 'USD', 'required' => true, 'precision' => 2, 'grouping' => true, 'attr' => array('class' => 'span2')))->add('loan_amount', 'money', array('label' => 'Loan Amount', 'currency' => 'USD', 'required' => true, 'precision' => 2, 'grouping' => true, 'attr' => array('class' => 'span2')))->add('loan_term', 'number', array('label' => 'Term (Years)', 'required' => true, 'attr' => array('class' => 'span1', 'maxlength' => 2)))->add('loan_type', 'choice', array('label' => 'Which type of loan are you applying for?', 'multiple' => false, 'choices' => $application->loanTypes, 'expanded' => true, 'multiple' => false))->add('status', 'choice', array('label' => 'Loan Status', 'choices' => $application->loanStatuses))->add('num_units', 'number', array('label' => 'Number of Units', 'required' => true, 'attr' => array('class' => 'span1')))->add('property_type', 'choice', array('choices' => $application->propertyTypes, 'empty_value' => 'Please select one'))->add('property_year_built', 'text', array('label' => 'Year Built', 'required' => false, 'attr' => array('class' => 'span2', 'maxlength' => 4)))->add('residency_type', 'choice', array('choices' => $application->residencyTypes, 'empty_value' => 'Please select one'))->add('title_company1', 'text', array('label' => 'Name #1', 'required' => false))->add('title_company2', 'text', array('label' => 'Name #2', 'required' => false))->add('has_realtor', 'choice', array('label' => 'Are you currently working with a Realtor?', 'choices' => array(0 => 'No', 1 => 'Yes'), 'multiple' => false, 'expanded' => true))->add('property_location', new PropertyLocationType($site), array('validation_groups' => array('step2')))->add('realtor_name', 'text', array('attr' => array('class' => 'realtor-info-field')))->add('realtor_company', 'text', array('attr' => array('class' => 'realtor-info-field')))->add('realtor_phone', 'text', array('attr' => array('class' => 'realtor-info-field phonenumber')))->add('borrower', new BorrowerType())->add('co_borrower', 'collection', array('type' => new BorrowerType(), 'allow_add' => true, 'allow_delete' => true, 'prototype' => true, 'by_reference' => false))->add('asset_account', 'collection', array('type' => new AssetAccountType($this->application->getId()), 'allow_add' => true, 'allow_delete' => true, 'prototype' => true, 'by_reference' => false))->add('asset_real_estate', 'collection', array('type' => new AssetRealEstateType($this->application->getId()), 'allow_add' => true, 'allow_delete' => true, 'prototype' => true, 'by_reference' => false))->add('income_other', 'collection', array('type' => new IncomeOtherType($this->application->getId()), 'allow_add' => true, 'allow_delete' => true, 'prototype' => true, 'by_reference' => false))->add('income_monthly', 'collection', array('type' => new IncomeMonthlyType($this->application->getId()), 'allow_add' => true, 'allow_delete' => true, 'prototype' => true, 'by_reference' => false))->add('agreement_one', 'checkbox', array('required' => true))->add('agreement_two', 'checkbox', array('required' => true))->add('agreement_three', 'checkbox', array('required' => true))->add('expense_housing', new ExpenseHousingType())->add('comments', 'textarea', array('attr' => array('class' => 'span3'), 'required' => false))->add('loan_officer', 'entity', array('label' => 'Are you working with a loan officer?', 'class' => 'SudouxMortgageBundle:LoanOfficer', 'property' => 'fullname', 'multiple' => false, 'empty_value' => 'Select a loan officer', 'required' => false, 'query_builder' => function (EntityRepository $er) use($site) {
return $er->findAllBySiteType($site);
}))->add('refinance_year_aquired', 'number', array('label' => 'Year Acquired', 'required' => true, 'attr' => array('class' => 'span1', 'maxlength' => 4)))->add('refinance_original_cost', 'money', array('label' => 'Original Cost', 'currency' => 'USD', 'required' => true, 'precision' => 2, 'grouping' => true, 'attr' => array('class' => 'span2')))->add('refinance_existing_liens', 'money', array('label' => 'Existing Liens', 'currency' => 'USD', 'required' => true, 'precision' => 2, 'grouping' => true, 'attr' => array('class' => 'span2')))->add('refinance_current_rate', 'text', array('label' => 'Current Rate', 'required' => true, 'attr' => array('class' => 'span1')))->add('refinance_current_loan_type', 'text', array('label' => 'Current Loan Type', 'required' => true, 'attr' => array('class' => 'span3')))->add('refinance_current_lender', 'text', array('label' => 'Current Lender', 'required' => true, 'attr' => array('class' => 'span3')))->add('refinance_purpose', 'choice', array('label' => 'Purpose of Refinance', 'choices' => $application->refinancePurposes, 'required' => true, 'empty_value' => 'Please select one'))->add('referral_source', 'entity', array('class' => 'Sudoux\\Cms\\FormBundle\\Entity\\ReferralSource', 'property' => 'name', 'required' => false, 'multiple' => true, 'expanded' => true, 'label' => 'Where did you hear about us?', 'attr' => array('class' => 'checkbox-group'), 'query_builder' => function (EntityRepository $er) use($site) {
return $er->findAllActiveBySiteQuery($site);
}))->add('no_property_location', 'checkbox', array('label' => 'I do not have a property yet', 'attr' => array('class' => ''), 'required' => false));
$titleManner = $this->application->getTitleManner();
if (isset($titleManner)) {
$builder->add('title_manner', 'text', array('label' => 'Manner', 'required' => false));
} else {
$builder->add('title_manner', 'choice', array('label' => 'Manner', 'required' => false, 'choices' => $application->titleManners, 'empty_value' => 'Please select one', 'required' => false));
}
/*$group = $application->getMilestoneGroup();
if(isset($group)) {
$builder->add('milestone', 'entity', array(
'label' => 'Loan Status',
'class' => 'SudouxMortgageBundle:LoanMilestone',
'property' => 'name',
'multiple' => false,
'empty_value' => 'Select a status',
'required' => false,
'query_builder' => function(EntityRepository $er) use ($group) {
return $er->findByMilestoneGroupQuery($group->getId());
}
));
}*/
}
protected function formatVantage(LoanApplication $application)
{
$site = $application->getSite();
$a = new \stdClass();
$coBorrowers = $application->getCoBorrower();
$borrower = $application->getBorrower();
$a->isCurrentlyEmployed = False;
$a->coIsCurrentlyEmployed = False;
$a->firstName = $borrower->getFirstName();
$a->lastName = $borrower->getLastName();
$a->address1 = $borrower->getLocation()->getLocation()->getAddress1();
$a->address2 = $borrower->getLocation()->getLocation()->getAddress2();
$a->city = $borrower->getLocation()->getLocation()->getCity();
$a->state = $borrower->getLocation()->getLocation()->getState()->getAbbreviation();
$a->zipcode = $borrower->getLocation()->getLocation()->getZipcode();
$a->email = $borrower->getEmail();
$a->phoneHome = $borrower->getPhoneHome();
$a->phoneCell = $borrower->getPhoneMobile();
$a->ssn = $borrower->getSsn();
$a->dependants = $borrower->getDependentsNumber();
$a->dependantsAges = $borrower->getDependentsAges();
$a->yearsOfResidence = $borrower->getLocation()->getYearsAtLocation();
$a->monthsOfResidence = $borrower->getLocation()->getMonthsAtLocation();
$a->isRenting = !$borrower->getLocation()->getOwnResidence();
$a->hasCoborrower = !$coBorrowers->isEmpty();
$a->yearsOfSchool = $borrower->getYearsOfSchool();
switch ($borrower->getMaritalStatus()) {
case '0':
$a->maritalStatus = 3;
break;
case '1':
$a->maritalStatus = 1;
break;
case '2':
$a->maritalStatus = 4;
break;
default:
$a->maritalStatus = 0;
}
foreach ($borrower->getEmployment() as $job) {
if ($job->getEndDate()->add(new \DateInterval('P1D')) >= $application->getCreated() && $application->getBorrower()->getEmployed()) {
$a->isCurrentlyEmployed = True;
$job->setCurrent(True);
$a->employer = $job->getEmployerName();
$a->employerPhone = $job->getEmployerPhone();
$a->employerAddress1 = $job->getLocation()->getAddress1();
$a->employerAddress2 = $job->getLocation()->getAddress2();
$a->employerCity = $job->getLocation()->getCity();
$a->employerState = $job->getLocation()->getState()->getAbbreviation();
$a->employerZipCode = $job->getLocation()->getZipcode();
$a->employmentYearsOnJob = $job->getTimeAtJob()->years;
$a->employmentMonthsOnJob = $job->getTimeAtJob()->months;
$a->employmentTitle = $job->getTitle();
} else {
$job->setCurrent(False);
}
}
foreach ($coBorrowers as $coBorrower) {
$a->coFirstName = $coBorrower->getFirstName();
$a->coLastName = $coBorrower->getLastName();
$a->coAddress1 = $coBorrower->getLocation()->getLocation()->getAddress1();
$a->coAddress2 = $coBorrower->getLocation()->getLocation()->getAddress2();
$a->coCity = $coBorrower->getLocation()->getLocation()->getCity();
$a->coState = $coBorrower->getLocation()->getLocation()->getstate()->getAbbreviation();
$a->coZip = $coBorrower->getLocation()->getLocation()->getZipcode();
$a->coPhoneHome = $coBorrower->getPhoneHome();
$a->coPhoneCell = $coBorrower->getPhoneMobile();
$a->coSSN = $coBorrower->getSsn();
$a->coEmail = $coBorrower->getEmail();
$a->coDependants = $coBorrower->getDependentsNumber();
$a->coDependantsAges = $coBorrower->getDependentsAges();
$a->coYearsOfResidence = $coBorrower->getLocation()->getYearsAtLocation();
$a->coMonthsOfResidence = $coBorrower->getLocation()->getMonthsAtLocation();
$a->coIsRenting = !$coBorrower->getLocation()->getOwnResidence();
foreach ($coBorrower->getEmployment() as $job) {
if ($job->getEndDate()->add(new \DateInterval('P1D')) >= $application->getCreated() && $application->getBorrower()->getEmployed()) {
$a->coIsCurrentlyEmployed = True;
$job->setCurrent(True);
$a->CoEmployer = $job->getEmployerName();
$a->CoEmployerPhone = $job->getEmployerPhone();
$a->CoEmployerAddress1 = $job->getLocation()->getAddress1();
$a->CoEmployerAddress2 = $job->getLocation()->getAddress2();
$a->CoEmployerCity = $job->getLocation()->getCity();
$a->CoEmployerState = $job->getLocation()->getState()->getAbbreviation();
$a->CoEmployerZipCode = $job->getLocation()->getZipcode();
$a->CoEmploymentYearsOnJob = $job->getTimeAtJob()->years;
$a->CoEmploymentMonthsOnJob = $job->getTimeAtJob()->months;
$a->CoEmploymentTitle = $job->getTitle();
} else {
$job->setCurrent(False);
}
}
switch ($coBorrower->getMaritalStatus()) {
case '0':
$a->coMaritalStatus = 3;
break;
case '1':
$a->coMaritalStatus = 1;
break;
case '2':
$a->coMaritalStatus = 4;
break;
default:
$a->coMaritalStatus = 0;
}
}
$a->loanAmount = $application->getLoanAmount();
$a->propertyMarketValue = $application->getSalePrice();
$a->propertyAddress1 = $application->getPropertyLocation()->getAddress1();
$a->propertyAddress2 = $application->getPropertyLocation()->getAddress2();
$a->propertyCity = $application->getPropertyLocation()->getCity();
$a->propertyState = $application->getPropertyLocation()->getState()->getAbbreviation();
$a->propertyZipCode = $application->getPropertyLocation()->getZipcode();
$a->realEstateBrokerPhone = $application->getRealtorPhone();
$a->propertyUse = $application->getResidencyType() + 1;
$a->vendorLeadPrice = '$5.00';
$a->vendorLeadId = $application->getId();
$a->vendorId = $site->getSettings()->getLos()->getUsername();
$a->vendorPassword = $site->getSettings()->getLos()->getPassword();
$a->orgId = $site->getSettings()->getLos()->getLicenseKey();
$a->customerIp = $ip = getenv('HTTP_CLIENT_IP') ?: getenv('HTTP_X_FORWARDED_FOR') ?: getenv('HTTP_X_FORWARDED') ?: getenv('HTTP_FORWARDED_FOR') ?: getenv('HTTP_FORWARDED') ?: getenv('REMOTE_ADDR');
$a->vendorWebProperty = $site->getPrimaryDomain()->getDomain();
$a->vendorCampaign = $site->getSettings()->getLos()->getSettings();
return $a;
}
/**
* @param Request $request
* @param null $id
* @return \Symfony\Component\HttpFoundation\RedirectResponse|Response
* @throws \Exception
*/
public function applyStep1Action(Request $request, $id = null)
{
$siteRequest = $this->get('sudoux.cms.site');
$site = $siteRequest->getSite();
$em = $this->getDoctrine()->getEntityManager();
$securityContext = $this->container->get('security.context');
$user = $securityContext->getToken()->getUser();
$newApplication = true;
if (isset($id)) {
$application = $em->getRepository('SudouxMortgageBundle:LoanApplication')->findOneBySite($site, $id);
if (!isset($application)) {
throw $this->createNotFoundException($this::LOAN_NOT_FOUND_MESSAGE);
}
$newApplication = false;
} else {
$application = new LoanApplication();
$siteLoanOfficer = $site->getSettings()->getLoanOfficer();
if (isset($siteLoanOfficer)) {
$application->setLoanOfficer($siteLoanOfficer);
}
}
if ($application->getLockStatus() > 0) {
$session = $request->getSession();
$session->getFlashBag()->add('error', $this::LOAN_LOCKED_MESSAGE);
return $this->redirect($this->generateUrl('sudoux_mortgage_admin_loan_member', array('id' => $id)));
}
$showReferralSources = false;
$referralSourceCount = $em->getRepository('SudouxCmsFormBundle:ReferralSource')->findAllActiveBySiteCount($site);
if ($referralSourceCount > 0) {
$showReferralSources = true;
}
$form = $this->createForm(new LoanApplicationType($site, $application), $application, array('validation_groups' => array('step1')));
if ($request->getMethod() == 'POST') {
$form->bindRequest($request);
if ($form->isValid()) {
try {
if ($newApplication) {
$application->setLastStepCompleted(1);
$application->setSite($site);
$application->setAdminUser($user);
// set the defaults because the constructor is not called on prototype forms
$coBorrowers = $application->getCoBorrower();
if (count($coBorrowers) > 0) {
foreach ($coBorrowers as $coBorrower) {
$coBorrower->setDefaults();
}
}
}
//echo 'Co-Borrowers: ' . count($application->getCoBorrower()); exit;
$em->persist($application);
$em->flush();
return $this->redirect($this->generateUrl('sudoux_mortgage_admin_loan_step2', array('id' => $application->getId())));
} catch (\Exception $e) {
$logger = $this->get('logger');
$logger->crit($e->getMessage());
throw $e;
}
}
}
return $this->render('SudouxMortgageBundle:LoanApplicationAdmin:applyStep1.html.twig', array('form' => $form->createView(), 'application' => $application, 'showReferralSources' => $showReferralSources));
}
/**
* Stub for overide
* @param LoanApplication $application
* @return string
*/
protected function getDocumentBasePath(LoanApplication $application)
{
return $this->losConnection->getLicenseKey() . '/' . $application->getLosId();
}
public function setLoanMilestone(LoanApplication $application, $milestoneId, $milestoneGroupId)
{
$site = $application->getSite();
$this->setLosSync($site);
if (isset($this->losSync)) {
return $this->losSync->setLoanMilestone($application, $milestoneId, $milestoneGroupId);
}
}
/**
* Creates or Updates a loan to the LOS
* @param LoanApplication $application
* @throws \Exception
*/
public function upsertLoanToLos(LoanApplication $application)
{
try {
$loId = null;
$loanOfficer = $application->getLoanOfficer();
if (isset($loanOfficer)) {
$loId = $loanOfficer->getLosId();
}
$params = array('vendor' => $this->losConnection->getUsername(), 'cust' => $this->losConnection->getLicenseKey(), 'LO' => $loId, 'FNM' => $this->loanToFannieMae($application));
$request = $this->client->post($this::BASE_SERVICE_URL . '/process1003.ashx', array('Content-Type' => 'text/plain'), $params);
$factory = new PhpStreamRequestFactory();
$stream = $factory->fromRequest($request);
$data = '';
// Read until the stream is closed
while (!$stream->feof()) {
// Read a line from the stream
$data .= $stream->readLine();
}
if (!is_numeric($data)) {
$params = array('vendor' => $this->losConnection->getUsername(), 'cust' => $this->losConnection->getLicenseKey(), 'LO' => '', 'FNM' => $this->loanToFannieMae($application));
$request = $this->client->post($this::BASE_SERVICE_URL . '/process1003.ashx', array('Content-Type' => 'text/plain'), $params);
$stream = $factory->fromRequest($request);
$data = '';
// Read until the stream is closed
while (!$stream->feof()) {
// Read a line from the stream
$data .= $stream->readLine();
}
}
if (is_numeric($data)) {
$application->setLosId($data);
$modifiedDate = new \DateTime();
$modifiedDate->getTimestamp();
$application->setLosModified($modifiedDate);
$application->setLosLoanNumber($data);
$application->setStatus(1);
// lookup lo
if (isset($loId)) {
$losLoanOfficer = $this->em->getRepository('SudouxMortgageBundle:LoanOfficer')->findOneBySiteAndLosId($application->getSite(), $loId);
$application->setLoanOfficer($losLoanOfficer);
} else {
$application->setLoanOfficer(null);
}
$this->em->persist($application);
$this->em->flush();
} else {
$e = new \Exception("Error adding loan - ID: " . $application->getId() . " Exception: " . $data);
$this->logger->crit($e->getMessage());
throw $e;
}
} catch (\Exception $e) {
$this->logger->crit($e->getMessage());
throw $e;
}
return $data;
}
protected function formatMismo231(LoanApplication $application)
{
$borrower = $application->getBorrower();
$maritalStatusBorrower = $borrower->getMaritalStatus();
$coBorrowers = $application->getCoBorrower();
$type = $application->getLoanType();
$propertyType = $application->getPropertyType();
$resType = $application->getResidencyType();
switch ($propertyType) {
case '1':
$application->setPropertyType("twotofourunitproperty");
break;
case '2':
$application->setPropertyType("condominium");
break;
case '3':
$application->setPropertyType("twotofourunitproperty");
break;
case '4':
$application->setPropertyType("twotofourunitproperty");
break;
case '5':
$application->setPropertyType("condominium");
break;
case '7':
$application->setPropertyType("condominium");
break;
default:
$application->setPropertyType("singlefamilyresidence");
}
if ($type == 0) {
$application->setLoanType("Purchase");
} else {
if ($application->getRefinancePurpose() == 3) {
$application->setLoanType("Refinance");
} else {
$application->setLoanType("Refinance");
}
}
$appTitleManner = $application->getTitleManner();
switch ($appTitleManner) {
case 'Community property':
$application->setTitleManner("Community Property");
break;
case 'Joint Tenants':
$application->setTitleManner("Joint Tenancy");
break;
case 'Single Man':
$application->setTitleManner("Single");
break;
case 'Single Woman':
$application->setTitleManner("Single");
break;
case 'Married Man':
$application->setTitleManner("A Married Man As His Separate Estate");
break;
case 'Married Woman':
$application->setTitleManner("A Married Woman As Her Separate Estate");
break;
case 'Tenants in common':
$application->setTitleManner("Tenancy in Common");
break;
case 'To be decided in escrow':
$application->setTitleManner("");
break;
case 'Unmarried man':
$application->setTitleManner("An Unmarried Person");
break;
case 'Unmarried woman':
$application->setTitleManner("An Unmarried Person");
break;
case 'Other':
$application->setTitleManner("");
break;
default:
$application->setTitleManner("");
}
$refiPurpose = $application->getRefinancePurpose();
switch ($refiPurpose) {
case '0':
$application->setRefinancePurpose("cashoutdebtconsolidation");
break;
case '1':
$application->setRefinancePurpose("cashouthomeimprovement");
break;
case '2':
$application->setRefinancePurpose("cashoutother");
break;
case '3':
$application->setRefinancePurpose("nocashoutother");
break;
case '4':
$application->setRefinancePurpose("cashoutlimited");
break;
default:
$application->setRefinancePurpose("cashoutdebtconsolidation");
}
switch ($resType) {
case '0':
$application->setResidencyType("PrimaryResidence");
break;
case '1':
$application->setResidencyType("SecondHome");
break;
case '2':
$application->setResidencyType("Investor");
break;
default:
$application->setResidencyType("PrimaryResidence");
}
if ($borrower->getDeclarationUsCitizen()) {
$borrower->setDeclarationUsCitizen("USCitizen");
} elseif ($borrower->getDeclarationResidentAlien()) {
$borrower->setDeclarationUsCitizen("PermanentResidentAlien");
} else {
$borrower->setDeclarationUsCitizen("Unknown");
}
if ($borrower->getDeclarationOwnershipWithinThreeYears()) {
switch ($borrower->getDeclarationOwnershipWithinThreeYearsPropertyTitle()) {
case '0':
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyTitle("Sole");
break;
case '1':
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyTitle("JointWithSpouse");
break;
case '2':
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyTitle("JointWithOtherThanSpouse");
break;
default:
}
switch ($borrower->getDeclarationOwnershipWithinThreeYearsPropertyType()) {
case '0':
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyType("PrimaryResidence");
break;
case '1':
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyType("SecondaryResidence");
break;
case '2':
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyType("Investment");
break;
default:
}
}
if (!$borrower->getGovtMonitoringOptOut()) {
switch ($borrower->getEthnicity()) {
case '0':
$borrower->setEthnicity('HispanicOrLatino');
break;
case '1':
$borrower->setEthnicity('NotHispanicOrLatino');
break;
case '2':
$borrower->setEthnicity('NotApplicable');
break;
default:
}
switch ($borrower->getRace()) {
case '0':
$borrower->setRace('AmericanIndianOrAlaskanNative');
break;
case '1':
$borrower->setRace('AsianOrPacificIslander');
break;
case '2':
$borrower->setRace('BlackNotOfHispanicOrigin');
break;
case '3':
$borrower->setRace('AsianOrPacificIslander');
break;
case '4':
$borrower->setRace('WhiteNotOfHispanicOrigin');
break;
default:
$borrower->setRace('Other');
}
if ($borrower->getIsMale()) {
$borrower->setIsMale("Male");
} else {
$borrower->setIsMale("Female");
}
}
$borrowerAssetsA = $borrower->getAssetAccount();
foreach ($borrowerAssetsA as $a) {
$aType = $a->getType();
switch ($aType) {
case '0':
$a->setType('CheckingAccount');
break;
case '1':
$a->setType('SavingsAccount');
break;
case '2':
$a->setType('MoneyMarketFund');
break;
case '3':
$a->setType('CertificateOfDepositTimeDeposit');
break;
case '4':
$a->setType('MutualFund');
break;
case '5':
$a->setType('RetirementFund');
break;
default:
$a->setType('OtherLiquidAssets');
}
}
switch ($maritalStatusBorrower) {
case '0':
$borrower->setMaritalStatus('Married');
break;
case '1':
$borrower->setMaritalStatus('Unmarried');
break;
case '2':
$borrower->setMaritalStatus('Separated');
break;
default:
}
if ($borrower->getDependents()) {
$BorrowerDependentsAges = explode(",", $application->getBorrower()->getDependentsAges());
$application->getBorrower()->setDependentsAges($BorrowerDependentsAges);
}
$borrowerEmployment = $borrower->getEmployment()->getValues();
foreach ($borrowerEmployment as $job) {
$borEmpPhone = null;
if ($job->getEndDate()->add(new \DateInterval('P1D')) >= $application->getCreated() && $application->getBorrower()->getEmployed()) {
$job->setCurrent("Y");
} else {
$job->setCurrent("N");
}
switch ($job->getSelfEmployed()) {
case '0':
$job->setSelfEmployed("N");
break;
case '1':
$job->setSelfEmployed("Y");
break;
default:
}
$borEmpPhone = $job->getEmployerPhone();
if (isset($borEmpPhone)) {
$borEmpPhone = preg_replace("/[^0-9]/", "", $borEmpPhone);
$job->setEmployerPhone($borEmpPhone);
}
}
////////////////////////////////////////////////////////////////////////////
//
// Co Borrowers
//
////////////////////////////////////////////////////////////////////
foreach ($coBorrowers as $coBorrower) {
$maritalStatusCoBorrower = $coBorrower->getMaritalStatus();
$coBorrowerDependentsAges = NULL;
if ($coBorrower->getDeclarationUsCitizen()) {
$coBorrower->setDeclarationUsCitizen("USCitizen");
} elseif ($coBorrower->getDeclarationResidentAlien()) {
$coBorrower->setDeclarationUsCitizen("PermanentResidentAlien");
} else {
$coBorrower->setDeclarationUsCitizen("Unknown");
}
if ($coBorrower->getDeclarationOwnershipWithinThreeYears()) {
switch ($coBorrower->getDeclarationOwnershipWithinThreeYearsPropertyTitle()) {
case '0':
$coBorrower->setDeclarationOwnershipWithinThreeYearsPropertyTitle("Sole");
break;
case '1':
$coBorrower->setDeclarationOwnershipWithinThreeYearsPropertyTitle("JointWithSpouse");
break;
case '2':
$coBorrower->setDeclarationOwnershipWithinThreeYearsPropertyTitle("JointWithOtherThanSpouse");
break;
default:
}
switch ($coBorrower->getDeclarationOwnershipWithinThreeYearsPropertyType()) {
case '0':
$coBorrower->setDeclarationOwnershipWithinThreeYearsPropertyType("PrimaryResidence");
break;
case '1':
$coBorrower->setDeclarationOwnershipWithinThreeYearsPropertyType("SecondaryResidence");
break;
case '2':
$coBorrower->setDeclarationOwnershipWithinThreeYearsPropertyType("Investment");
break;
default:
}
}
if (!$coBorrower->getGovtMonitoringOptOut()) {
switch ($coBorrower->getEthnicity()) {
case '0':
$coBorrower->setEthnicity('HispanicOrLatino');
break;
case '1':
$coBorrower->setEthnicity('NotHispanicOrLatino');
break;
case '2':
$coBorrower->setEthnicity('NotApplicable');
break;
default:
}
switch ($coBorrower->getRace()) {
case '0':
$coBorrower->setRace('AmericanIndianOrAlaskanNative');
break;
case '1':
$coBorrower->setRace('AsianOrPacificIslander');
break;
case '2':
$coBorrower->setRace('BlackNotOfHispanicOrigin');
break;
case '3':
$coBorrower->setRace('AsianOrPacificIslander');
break;
case '4':
$coBorrower->setRace('WhiteNotOfHispanicOrigin');
break;
default:
$coBorrower->setRace('Other');
}
if ($coBorrower->getIsMale()) {
$coBorrower->setIsMale("Male");
} else {
$coBorrower->setIsMale("Female");
}
}
switch ($maritalStatusCoBorrower) {
case '0':
$coBorrower->setMaritalStatus('Married');
break;
case '1':
$coBorrower->setMaritalStatus('Unmarried');
break;
case '2':
$coBorrower->setMaritalStatus('Separated');
break;
default:
}
if ($coBorrower->getDependents()) {
$coBorrowerDependentsAges = explode(",", $coBorrower->getDependentsAges());
$coBorrower->setDependentsAges($coBorrowerDependentsAges);
}
$coBorrowerEmployment = $coBorrower->getEmployment()->getValues();
foreach ($coBorrowerEmployment as $job) {
$coBorEmpPhone = null;
if ($job->getEndDate()->add(new \DateInterval('P1D')) >= $application->getCreated() && $application->getBorrower()->getEmployed()) {
$job->setCurrent("Y");
} else {
$job->setCurrent("N");
}
switch ($job->getSelfEmployed()) {
case '0':
$job->setSelfEmployed("N");
break;
case '1':
$job->setSelfEmployed("Y");
break;
default:
}
$coBorEmpPhone = $job->getEmployerPhone();
if (isset($coBorEmpPhone)) {
$borEmpPhone = preg_replace("/[^0-9]/", "", $coBorEmpPhone);
$job->setEmployerPhone($borEmpPhone);
}
}
$coBborrowerAssetsA = $coBorrower->getAssetAccount();
foreach ($coBborrowerAssetsA as $a) {
$aType = $a->getType();
switch ($aType) {
case '0':
$a->setType('CheckingAccount');
break;
case '1':
$a->setType('SavingsAccount');
break;
case '2':
$a->setType('MoneyMarketFund');
break;
case '3':
$a->setType('CertificateOfDepositTimeDeposit');
break;
case '4':
$a->setType('MutualFund');
break;
case '5':
$a->setType('RetirementFund');
break;
default:
$a->setType('OtherLiquidAssets');
}
}
}
return $application;
}
/**
* @param Request $request
* @param null $id
* @return \Symfony\Component\HttpFoundation\RedirectResponse|Response
* @throws \Exception
*/
public function applyStep1Action(Request $request, $id = null)
{
$securityContext = $this->container->get('security.context');
if (!$securityContext->isGranted('IS_AUTHENTICATED_REMEMBERED')) {
$session = $request->getSession();
$session->getFlashBag()->add('error', $this::NOT_REGISTERED_MESSAGE);
return $this->redirect($this->generateUrl('sudoux_cms_member_register'));
}
$siteRequest = $this->get('sudoux.cms.site');
$site = $siteRequest->getSite();
$em = $this->getDoctrine()->getEntityManager();
$user = $securityContext->getToken()->getUser();
$newApplication = true;
if (isset($id)) {
$application = $em->getRepository('SudouxMortgageBundle:LoanApplication')->findOneBy(array('id' => $id, 'user' => $user));
if (!isset($application)) {
throw $this->createNotFoundException($this::LOAN_NOT_FOUND_MESSAGE);
}
if ($application->getLockStatus() > 0) {
$session = $request->getSession();
$session->getFlashBag()->add('error', $this::LOAN_LOCKED_MESSAGE);
return $this->redirect($this->generateUrl('sudoux_mortgage_loan_member_detail', array('id' => $id)));
}
$newApplication = false;
} else {
$application = new LoanApplication();
$siteLoanOfficer = $site->getSettings()->getLoanOfficer();
if (isset($siteLoanOfficer)) {
$application->setLoanOfficer($siteLoanOfficer);
}
}
if ($securityContext->isGranted('IS_AUTHENTICATED_REMEMBERED')) {
// autofill user info
$application->getBorrower()->setEmail($user->getEmail());
}
$showReferralSources = false;
$referralSourceCount = $em->getRepository('SudouxCmsFormBundle:ReferralSource')->findAllActiveBySiteCount($site);
if ($referralSourceCount > 0) {
$showReferralSources = true;
}
$form = $this->createForm(new LoanApplicationType($site, $application), $application, array('validation_groups' => array('step1')));
if ($request->getMethod() == 'POST') {
$form->bindRequest($request);
$this->validateChildEntity($application, $form, 'borrower');
if ($form->isValid()) {
try {
$application->setSite($site);
$application->setUser($user);
if ($newApplication) {
$application->setLastStepCompleted(1);
$em->persist($application);
$em->flush();
// set the defaults because the constructor is not called on prototype forms
$coBorrowers = $application->getCoBorrower();
if (count($coBorrowers) > 0) {
foreach ($coBorrowers as $coBorrower) {
$coBorrower->setDefaults();
}
}
$email = new Email();
$email->setSubject('A borrower has started a loan application');
$message = sprintf("A borrower has started a loan application. <a href=\"%s\">Click here</a> to view the application.", $this->generateUrl('sudoux_mortgage_admin_loan_step1', array('id' => $application->getId()), true));
$message .= sprintf('<p>Borrower: %s<br>', $application->getBorrower()->getFullName());
$message .= sprintf('Email: %s<br>', $application->getBorrower()->getEmail());
$message .= sprintf('Phone: %s</p>', $application->getBorrower()->getPhoneHome());
if ($application->getCoBorrower()->count() > 0) {
$coBorrower = $application->getCoBorrower()->get(0);
$message .= sprintf('<p>Co-Borrower: %s</p>', $coBorrower->getFullName());
$message .= sprintf('Email: %s<br>', $coBorrower->getEmail());
$message .= sprintf('Phone: %s</p>', $coBorrower->getPhoneHome());
}
$email->setMessage($message);
$email->setSite($site);
// notify the site admin or lo
$loanOfficer = $application->getLoanOfficer();
if (isset($loanOfficer)) {
$notificationEmail = $loanOfficer->getEmail();
$email->setRecipientName($loanOfficer->getFullName());
} else {
$notificationEmail = $site->getSettings()->getInheritedWebsiteEmail();
$email->setRecipientName('Site Administrator');
}
$email->setRecipient($notificationEmail);
$email->setBcc($site->getSettings()->getInheritedWebsiteEmailBcc());
$emailUtil = $this->get('sudoux.cms.message.email_util');
$emailUtil->logAndSend($email);
} else {
$em->persist($application);
$em->flush();
}
return $this->redirect($this->generateUrl('sudoux_mortgage_loan_apply_step2', array('id' => $application->getId())));
} catch (\Exception $e) {
$logger = $this->get('logger');
$logger->crit($e->getMessage());
throw $e;
}
}
}
return $this->render('SudouxMortgageBundle:LoanApplicationFront:applyStep1.html.twig', array('form' => $form->createView(), 'application' => $application, 'showReferralSources' => $showReferralSources));
}
/**
* @param $dataIn
* @param \Sudoux\MortgageBundle\Entity\LoanApplication $application
* @param int $source
* @return \Sudoux\MortgageBundle\Entity\LoanApplication
* @author Eric Haynes
*/
public function convertToLoanApp($dataIn, LoanApplication $application = null, $source = 4)
{
$xml = simplexml_load_string($dataIn);
$json = json_encode($xml);
$destinyData = json_decode($json, TRUE);
if (!isset($application)) {
$application = new LoanApplication();
$application->setLastStepCompleted(6);
$application->setHasRealtor(false);
//add section to grab realtor info if in xml
$application->setNumUnits(1);
$application->setSource($source);
$housingExpense = new ExpenseHousing();
$application->setExpenseHousing($housingExpense);
}
$application->setStatus(6);
// loan-info
//
////////////////////////////////
$loanAmount = $destinyData['loan-info']['@attributes']['base-loan-amount'];
$application->setLoanAmount($this->toFloat($loanAmount));
$loanTerm = $destinyData['loan-info']['@attributes']['loan-term'];
$application->setLoanTerm($this->getLoanTermInYears($loanTerm));
$loanType = $destinyData['loan-info']['@attributes']['loan-purpose'];
$newLoanType = $this->getLoanTypeDestiny($loanType);
$application->setLoanType($newLoanType);
if ($newLoanType == 1) {
$refiPurpose = $destinyData['loan-info']['@attributes']['purpose-of-refinance'];
$application->setRefinancePurpose($this->getLoanRefiPurposeDestiny($refiPurpose));
$refiFirstMortgageAmount = $destinyData['loan-info']['@attributes']['first-mortgage-amount'];
$application->setRefinanceOriginalCost($refiFirstMortgageAmount);
$refiFirstMortgageRate = $destinyData['loan-info']['@attributes']['interest-rate'];
$application->setRefinanceCurrentRate($refiFirstMortgageRate);
$loanProgram = $destinyData['loan-info']['@attributes']['loan-program'];
$application->setRefinanceCurrentLoanType($loanProgram);
}
$residencyType = $destinyData['loan-info']['@attributes']['occupancy-type'];
$application->setResidencyType($this->getResidencyTypeDestiny($residencyType));
$salePrice = $destinyData['loan-info']['@attributes']['sale-price'];
$application->setSalePrice($this->toFloat($salePrice));
// property-info
//
/////////////////////////////////
$propertyLocation = $application->getPropertyLocation();
$propertyAddress = ucwords(strtolower($destinyData['property-info']['@attributes']['street-address']));
$propertyLocation->setAddress1($propertyAddress);
$propertyCity = ucwords(strtolower($destinyData['property-info']['@attributes']['city']));
$propertyLocation->setCity($propertyCity);
//echo $propertyCity; exit;
$propertyState = $destinyData['property-info']['@attributes']['state'];
$propertyStateEntity = $this->em->getRepository('SudouxCmsLocationBundle:State')->findStateByAbbreviation($propertyState);
$propertyLocation->setState($propertyStateEntity);
$propertyZipcode = $destinyData['property-info']['@attributes']['zip'];
$propertyLocation->setZipcode($this->toZipcode($propertyZipcode));
$propertyType = $destinyData['property-info']['@attributes']['property-type-code'];
$application->setPropertyType($this->getPropertyTypeDestiny($propertyType));
// borrower info
//
////////////////////////////////
$marriageStatus = $this->guessMarriedTypeDestiny($destinyData['borrower-info']);
foreach ($destinyData['borrower-info'] as $destinyBorrower) {
if ($destinyBorrower['@attributes']['co-borrower'] == 'false') {
$borrower = $application->getBorrower();
$this->convertDestinyToBorrower($application, $borrower, $destinyBorrower, false);
$borrower->setMaritalStatus($marriageStatus);
} else {
$coBorrowers = $application->getCoBorrower();
$coBorrowerSsn = $destinyBorrower['@attributes']['ssn'];
$coBorrower = null;
if (count($coBorrowers) > 0) {
// check if coborrower exists
foreach ($coBorrowers as $cb) {
$existingSsn = preg_replace("/[^0-9]/", "", $cb->getSsn());
if ($existingSsn == $coBorrowerSsn) {
$coBorrower = $cb;
break;
}
}
}
if (!isset($coBorrower)) {
$coBorrower = new Borrower();
$application->addCoBorrower($coBorrower);
$coBorrower->setSsn($coBorrowerSsn);
}
$this->convertDestinyToBorrower($application, $coBorrower, $destinyBorrower, true);
$coBorrower->setMaritalStatus($marriageStatus);
}
}
// loan status
//
////////////////////////////////
return $application;
}
/**
* @param Request $request
* @return \Symfony\Component\HttpFoundation\RedirectResponse|Response
* @throws \Exception
*/
public function prequalifyAction(Request $request)
{
$securityContext = $this->container->get('security.context');
$user = $securityContext->getToken()->getUser();
$siteRequest = $this->get('sudoux.cms.site');
$site = $siteRequest->getSite();
$em = $this->getDoctrine()->getEntityManager();
$officers = $em->getRepository('SudouxMortgageBundle:LoanOfficer')->findBy(array('site' => $site, 'active' => true));
$application = new LoanApplication();
$application->setIsPrequal(true);
$application->setSite($site);
$siteLoanOfficer = $site->getSettings()->getLoanOfficer();
if (isset($siteLoanOfficer)) {
$application->setLoanOfficer($siteLoanOfficer);
}
if ($securityContext->isGranted('IS_AUTHENTICATED_REMEMBERED')) {
// autofill user info
$application->getBorrower()->setEmail($user->getEmail());
$application->setUser($user);
}
$showReferralSources = false;
$referralSourceCount = $em->getRepository('SudouxCmsFormBundle:ReferralSource')->findAllActiveBySiteCount($site);
if ($referralSourceCount > 0) {
$showReferralSources = true;
}
$form = $this->createForm(new LoanApplicationType($site), $application, array('validation_groups' => array('prequalify')));
if ($request->getMethod() == 'POST') {
$form->bindRequest($request);
if ($form->isValid()) {
try {
$em->persist($application);
$em->flush();
$emailUtil = $this->get('sudoux.cms.message.email_util');
// notify the borrrower
$email = new Email();
$email->setSubject('Pre-qualification Application Complete');
$email->setMessage($this::PREQUAL_SUCCESS_MESSAGE);
$email->setRecipient($application->getBorrower()->getEmail());
$email->setRecipientName($application->getBorrower()->getFullName());
$email->setSite($site);
$emailUtil->logAndSend($email);
// notifiy the site admin
$email = new Email();
$email->setSubject('A borrower has completed a pre-qualification application');
$message = sprintf("A borrower has completed a pre-qualification application. <a href=\"%s\">Click here</a> to view the application.", $this->generateUrl('sudoux_mortgage_admin_loan_step1', array('id' => $application->getId()), true));
$message .= sprintf('<p>Borrower: %s<br/>', $application->getBorrower()->getFullName());
$message .= sprintf('Email: %s<br/>', $application->getBorrower()->getEmail());
$message .= sprintf('Phone: %s</p>', $application->getBorrower()->getPhoneHome());
if ($application->getCoBorrower()->count() > 0) {
$coBorrower = $application->getCoBorrower()->get(0);
$message .= sprintf('<p>Co-Borrower: %s<br/>', $coBorrower->getFullName());
$message .= sprintf('Email: %s<br/>', $coBorrower->getEmail());
$message .= sprintf('Phone: %s</p>', $coBorrower->getPhoneHome());
}
$email->setMessage($message);
$email->setSite($site);
// notify the site admin or lo
$loanOfficer = $application->getLoanOfficer();
if (isset($loanOfficer)) {
$notificationEmail = $loanOfficer->getEmail();
$email->setRecipientName($loanOfficer->getFullName());
} else {
$notificationEmail = $site->getSettings()->getInheritedWebsiteEmail();
$email->setRecipientName('Site Administrator');
}
$email->setBcc($site->getSettings()->getInheritedWebsiteEmailBcc());
$email->setRecipient($notificationEmail);
$emailUtil->logAndSend($email);
$job = new Job('sudoux:mortgage:loan', array('add_loan_prospects', sprintf('--loan_id=%s', $application->getId()), '--env=' . $this->get('kernel')->getEnvironment(), '--no-debug'), true, 'loan_process_queue');
$em->persist($job);
$em->flush();
$redirectUrl = $site->getSettings()->getInheritedPrequalCompleteUrl();
if (isset($redirectUrl)) {
if ($this->get('kernel')->getEnvironment() == 'dev') {
$redirectUrl = '/app_dev.php' . $redirectUrl;
}
} else {
$redirectUrl = $this->generateUrl('sudoux_mortgage_loan_prequalify_complete');
}
return $this->redirect($redirectUrl);
} catch (\Exception $e) {
$logger = $this->get('logger');
$logger->crit($e->getMessage());
}
}
}
return $this->render('SudouxMortgageBundle:LoanApplicationFront:prequalify.html.twig', array('form' => $form->createView(), 'application' => $application, 'officers' => $officers, 'showReferralSources' => $showReferralSources));
}
/**
* @param LoanApplication $application
* @param Borrower $borrower
* @param $fannieMaeData
* @param $options
*/
protected function convertFannieMaeToBorrower(LoanApplication $application, Borrower $borrower, $fannieMaeData, $options)
{
// clear for update
$incomeMonthly = $borrower->getIncomeMonthly();
if (count($borrower->getIncomeMonthly()) > 0) {
$borrower->removeAllIncomeMonthly();
}
$borrowerSsn = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 6, 9);
$borrower->setSsn($borrowerSsn);
$borrowerFirstName = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 15, 35);
$borrower->setFirstName($borrowerFirstName);
$borrowerLastName = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 85, 35);
$borrower->setLastName($borrowerLastName);
$borrowerMiddleInitial = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 50, 35);
$borrower->setMiddleInitial($borrowerMiddleInitial);
$borrowerSuffix = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 120, 4);
$borrower->setSuffix($borrowerSuffix);
$borrowerEmail = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 160, 80);
$borrower->setEmail($borrowerEmail);
$borrowerPhoneHome = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 124, 10);
$borrower->setPhoneHome($borrowerPhoneHome);
$borrowerMaritialStatus = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 139, 1);
$borrower->setMaritalStatus($this->getBorrowerMaritalStatus($borrowerMaritialStatus));
$borrowerYearsOfSchool = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 137, 2);
$borrower->setYearsOfSchool($this->toInt($borrowerYearsOfSchool));
$borrowerBirthDate = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 152, 8);
$borrower->setBirthDate($this->convertToDateTime($borrowerBirthDate));
$borrowerDependentsNumber = StringUtil::find($fannieMaeData, "03A" . $options['03A_suffix'], 140, 2);
$borrower->setDependentsNumber($this->toInt($borrowerDependentsNumber));
$borrowerDependentsAges = StringUtil::findAll($fannieMaeData, "03B" . $borrowerSsn, 13, 3);
if (count($borrowerDependentsAges) == 1) {
$borrower->setDependentsAges($borrowerDependentsAges[0]);
} else {
if (count($borrowerDependentsAges) > 1) {
$borrower->setDependentsAges(implode(',', $borrowerDependentsAges));
}
}
// BorrowerLocation
$borrowerLocation = $borrower->getLocation();
$borrowerLocationYears = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "ZG", 112, 2);
$borrowerLocation->setYearsAtLocation($this->toInt($borrowerLocationYears));
$borrowerLocationMonths = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "ZG", 114, 2);
$borrowerLocation->setMonthsAtLocation($this->toInt($borrowerLocationMonths));
$borrowerLocationOwnResidence = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "ZG", 111, 1);
$borrowerLocation->setOwnResidence($this->getBorrowerLocationOwnResidence($borrowerLocationOwnResidence));
// BorrowerLocation Location
$borrowerLocationLocation = $borrowerLocation->getLocation();
$borrowerLocationLocationAddress = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "ZG", 15, 50);
$borrowerLocationLocation->setAddress1($borrowerLocationLocationAddress);
$borrowerLocationLocationCity = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "ZG", 65, 35);
$borrowerLocationLocation->setCity($borrowerLocationLocationCity);
$borrowerLocationLocationState = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "ZG", 100, 2);
$borrowerLocationLocationStateEntity = $this->em->getRepository('SudouxCmsLocationBundle:State')->findStateByAbbreviation($borrowerLocationLocationState);
$borrowerLocationLocation->setState($borrowerLocationLocationStateEntity);
$borrowerLocationLocationZipcode = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "ZG", 102, 5);
$borrowerLocationLocation->setZipcode($this->toZipcode($borrowerLocationLocationZipcode));
// Borrower Previous Locations
$fnmBorrowerPreviousLocations = StringUtil::findLinesStartingWith($fannieMaeData, "03C" . $borrowerSsn . "F4");
$borrower->removeAllPreviousLocations();
// clear prev locations for update
if (count($fnmBorrowerPreviousLocations) > 0) {
foreach ($fnmBorrowerPreviousLocations as $fnmLocation) {
$borrowerPreviousLocation = new BorrowerLocation();
$borrower->addPreviousLocation($borrowerPreviousLocation);
$borrowerPreviousLocationYears = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "F4", 112, 2);
$borrowerPreviousLocation->setYearsAtLocation($this->toInt($borrowerPreviousLocationYears));
$borrowerPreviousLocationMonths = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "F4", 114, 2);
$borrowerPreviousLocation->setMonthsAtLocation($this->toInt($borrowerPreviousLocationMonths));
$borrowerPreviousLocationOwnResidence = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "F4", 111, 1);
$borrowerPreviousLocation->setOwnResidence($this->getBorrowerLocationOwnResidence($borrowerPreviousLocationOwnResidence));
$borrowerPreviousLocationLocation = $borrowerPreviousLocation->getLocation();
$borrowerPreviousLocationLocationAddress = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "F4", 15, 50);
$borrowerPreviousLocationLocation->setAddress1($borrowerPreviousLocationLocationAddress);
$borrowerPreviousLocationLocationCity = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "F4", 65, 35);
$borrowerPreviousLocationLocation->setCity($borrowerLocationLocationCity);
$borrowerPreviousLocationLocationState = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "F4", 100, 2);
$borrowerPreviousLocationLocationStateEntity = $this->em->getRepository('SudouxCmsLocationBundle:State')->findStateByAbbreviation($borrowerPreviousLocationLocationState);
$borrowerPreviousLocationLocation->setState($borrowerPreviousLocationLocationStateEntity);
$borrowerPreviousLocationLocationZipcode = StringUtil::find($fannieMaeData, "03C" . $borrowerSsn . "F4", 102, 5);
$borrowerPreviousLocationLocation->setZipcode($this->toZipcode($borrowerPreviousLocationLocationZipcode));
}
}
// borrower employment
$borrowerEmployment = $borrower->getEmployment();
$fnmBorrowerEmployment = StringUtil::findLinesStartingWith($fannieMaeData, "04A" . $borrowerSsn);
$borrower->removeAllEmployment();
// remove employment for update
if (count($fnmBorrowerEmployment)) {
foreach ($fnmBorrowerEmployment as $fnmEmployment) {
$employment = new Employment();
$borrower->addEmployment($employment);
$employerName = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 13, 35);
$employment->setEmployerName($employerName);
$selfEmployed = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 129, 1);
$employment->setSelfEmployed($this->convertToBoolean($selfEmployed));
$yearsInProfession = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 134, 2);
$employment->setYearsEmployed($this->toInt($yearsInProfession));
$yearsOnJob = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 130, 2);
$employment->setYearsOnJob($this->toInt($yearsOnJob));
$position = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 136, 25);
$employment->setTitle($position);
$employerPhone = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 161, 10);
$employment->setEmployerPhone($employerPhone);
$location = $employment->getLocation();
$locationAddress = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 48, 35);
$location->setAddress1($locationAddress);
$locationCity = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 83, 35);
$location->setCity($locationCity);
$locationState = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 118, 2);
$locationStateEntity = $this->em->getRepository('SudouxCmsLocationBundle:State')->findStateByAbbreviation($locationState);
$location->setState($locationStateEntity);
$locationZipcode = StringUtil::find($fnmEmployment, "04A" . $borrowerSsn, 120, 5);
$location->setZipcode($this->toZipcode($locationZipcode));
}
}
// previous employment
$fnmBorrowerEmployment = StringUtil::findLinesStartingWith($fannieMaeData, "04B" . $borrowerSsn);
if (count($fnmBorrowerEmployment)) {
foreach ($fnmBorrowerEmployment as $fnmEmployment) {
$employment = new Employment();
$borrower->addEmployment($employment);
$employerName = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 13, 35);
$employment->setEmployerName($employerName);
$selfEmployed = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 129, 1);
$employment->setSelfEmployed($this->convertToBoolean($selfEmployed));
$startDateString = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 131, 8);
$startDate = $this->convertToDateTime($startDateString);
if (isset($startDate)) {
$employment->setStartDate($startDate);
}
$endDateString = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 139, 8);
$endDate = $this->convertToDateTime($endDateString);
if (isset($endDate)) {
$employment->setEndDate($endDate);
}
$position = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 162, 25);
$employment->setTitle($position);
$employerPhone = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 187, 10);
$employment->setEmployerPhone($employerPhone);
$location = $employment->getLocation();
$locationAddress = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 48, 35);
$location->setAddress1($locationAddress);
$locationCity = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 83, 35);
$location->setCity($locationCity);
$locationState = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 118, 2);
$locationStateEntity = $this->em->getRepository('SudouxCmsLocationBundle:State')->findStateByAbbreviation($locationState);
$location->setState($locationStateEntity);
$locationZipcode = StringUtil::find($fnmEmployment, "04B" . $borrowerSsn, 120, 5);
$location->setZipcode($this->toZipcode($locationZipcode));
}
}
// account assets
$fnmBorrowerAccountAsset = StringUtil::findLinesStartingWith($fannieMaeData, "06C" . $borrowerSsn);
$borrower->removeAllAssetAccount();
if (count($fnmBorrowerAccountAsset)) {
foreach ($fnmBorrowerAccountAsset as $fnmAsset) {
$accountAsset = new AssetAccount();
$accountAsset->setBorrower($borrower);
$application->addAssetAccount($accountAsset);
$type = StringUtil::find($fnmAsset, "06C" . $borrowerSsn, 13, 3);
$accountAsset->setType($this->getAccountType($type));
$accountInstitutionName = StringUtil::find($fnmAsset, "06C" . $borrowerSsn, 16, 35);
$accountAsset->setInstitutionName($accountInstitutionName);
$accountNumber = StringUtil::find($fnmAsset, "06C" . $borrowerSsn, 132, 30);
$accountAsset->setAccountNumber($accountNumber);
$balance = StringUtil::find($fnmAsset, "06C" . $borrowerSsn, 162, 15);
$accountAsset->setBalance($this->toFloat($balance));
}
}
// real estate assets
$fnmBorrowerRealEstateAsset = StringUtil::findLinesStartingWith($fannieMaeData, "06G" . $borrowerSsn);
$borrower->removeAllAssetRealestate();
if (count($fnmBorrowerRealEstateAsset)) {
foreach ($fnmBorrowerRealEstateAsset as $fnmAsset) {
$asset = new AssetRealEstate();
$asset->setBorrower($borrower);
$application->addAssetRealEstate($asset);
$assetLocation = $asset->getLocation();
$streetAddress = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 13, 35);
$assetLocation->setAddress1($streetAddress);
$city = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 48, 35);
$assetLocation->setCity($city);
$state = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 83, 2);
$stateEntity = $this->em->getRepository('SudouxCmsLocationBundle:State')->findStateByAbbreviation($state);
$assetLocation->setState($stateEntity);
$zipcode = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 85, 5);
$assetLocation->setZipcode($this->toZipcode($zipcode));
$marketValue = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 97, 15);
$asset->setMarketValue($this->toFloat($marketValue));
$mortgageAmount = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 112, 15);
$asset->setMortgageAmount($this->toFloat($mortgageAmount));
$rentGrossIncome = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 127, 15);
$asset->setRentGrossIncome($this->toFloat($rentGrossIncome));
$mortgagePayment = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 142, 15);
$asset->setMortgagePayment($this->toFloat($mortgagePayment));
$insuranceTax = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 157, 15);
$asset->setInsTaxExp($this->toFloat($insuranceTax));
$rentNetIncome = StringUtil::find($fnmAsset, "06G" . $borrowerSsn, 172, 15);
$asset->setRentNetIncome($this->toFloat($rentNetIncome));
}
}
// combined housing expenses
$housingExpense = $application->getExpenseHousing();
if (!isset($housingExpense)) {
$housingExpense = new ExpenseHousing();
$application->setExpenseHousing($housingExpense);
}
$housingExpenseRent = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "125", 16, 15);
$housingExpense->setRent($this->getHousingExpenseTotal($housingExpense->getRent(), $housingExpenseRent));
$housingExpenseMortgage = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "126", 16, 15);
$housingExpense->setMortgage($this->getHousingExpenseTotal($housingExpense->getMortgage(), $housingExpenseMortgage));
$housingExpenseHazardInsurance = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "101", 16, 15);
$housingExpense->setInsuranceHazard($this->getHousingExpenseTotal($housingExpense->getInsuranceHazard(), $housingExpenseHazardInsurance));
$housingExpenseOtherFinancial = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "122", 16, 15);
$housingExpense->setOtherFinancial($this->getHousingExpenseTotal($housingExpense->getOtherFinancial(), $housingExpenseOtherFinancial));
$housingExpenseMortgageInsurance = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "102", 16, 15);
$housingExpense->setInsuranceMortgage($this->getHousingExpenseTotal($housingExpense->getInsuranceMortgage(), $housingExpenseMortgageInsurance));
$housingExpenseRealEstateTax = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "114", 16, 15);
$housingExpense->setTaxRealEstate($this->getHousingExpenseTotal($housingExpense->getTaxRealEstate(), $housingExpenseRealEstateTax));
$housingExpenseHoaDues = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "106", 16, 15);
$housingExpense->setHoaDues($this->getHousingExpenseTotal($housingExpense->getHoaDues(), $housingExpenseHoaDues));
$housingExpenseOther = StringUtil::find($fannieMaeData, "05H" . $borrowerSsn . "123", 16, 15);
$housingExpense->setOther($this->getHousingExpenseTotal($housingExpense->getOther(), $housingExpenseOther));
// monthly income
$application->removeIncomeMonthlyByBorrower($borrower);
$borrowerMonthlyIncome = new IncomeMonthly();
$borrowerMonthlyIncome->setBorrower($borrower);
$application->addIncomeMonthly($borrowerMonthlyIncome);
$borrowerMonthlyIncomeBase = StringUtil::find($fannieMaeData, "05I" . $borrowerSsn . "20", 15, 15);
$borrowerMonthlyIncome->setBase($this->toFloat($borrowerMonthlyIncomeBase));
$borrowerMonthlyIncomeOvertime = StringUtil::find($fannieMaeData, "05I" . $borrowerSsn . "09", 15, 15);
$borrowerMonthlyIncome->setOvertime($this->toFloat($borrowerMonthlyIncomeOvertime));
$borrowerMonthlyIncomeBonus = StringUtil::find($fannieMaeData, "05I" . $borrowerSsn . "08", 15, 15);
$borrowerMonthlyIncome->setBonus($this->toFloat($borrowerMonthlyIncomeBonus));
$borrowerMonthlyIncomeCommission = StringUtil::find($fannieMaeData, "05I" . $borrowerSsn . "10", 15, 15);
$borrowerMonthlyIncome->setCommission($this->toFloat($borrowerMonthlyIncomeCommission));
$borrowerMonthlyIncomeInterest = StringUtil::find($fannieMaeData, "05I" . $borrowerSsn . "17", 15, 15);
$borrowerMonthlyIncome->setInterest($this->toFloat($borrowerMonthlyIncomeInterest));
$borrowerMonthlyIncomeRentNet = StringUtil::find($fannieMaeData, "05I" . $borrowerSsn . "33", 15, 15);
$borrowerMonthlyIncome->setRentNet($this->toFloat($borrowerMonthlyIncomeRentNet));
$borrowerMonthlyIncomeOther = StringUtil::find($fannieMaeData, "05I" . $borrowerSsn . "45", 15, 15);
$borrowerMonthlyIncome->setOther($this->toFloat($borrowerMonthlyIncomeOther));
// declarations
$declarationOutstandingJudgement = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 13, 1);
$borrower->setDeclarationOutstandingJudgement($this->convertToBoolean($declarationOutstandingJudgement));
$declarationOutstandingJudgementDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "91", 15, 255);
$borrower->setDeclarationOutstandingJudgementDetails($this->getStringValue($declarationOutstandingJudgementDetails));
$declarationBankruptcy = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 14, 1);
$borrower->setDeclarationBankruptcy($this->convertToBoolean($declarationBankruptcy));
$declarationBankruptcyDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "92", 15, 255);
$borrower->setDeclarationBankruptcyDetails($this->getStringValue($declarationBankruptcyDetails));
$declarationForclosure = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 15, 1);
$borrower->setDeclarationForclosure($this->convertToBoolean($declarationForclosure));
$declarationForclosureDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "93", 15, 255);
$borrower->setDeclarationForclosureDetails($this->getStringValue($declarationForclosureDetails));
$declarationLawsuit = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 16, 1);
$borrower->setDeclarationLawsuit($this->convertToBoolean($declarationLawsuit));
$declarationLawsuitDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "94", 15, 255);
$borrower->setDeclarationLawsuitDetails($this->getStringValue($declarationLawsuitDetails));
$declarationForclosureObligation = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 17, 1);
$borrower->setDeclarationForclosureObligation($this->convertToBoolean($declarationForclosureObligation));
$declarationForclosureObligationDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "95", 15, 255);
$borrower->setDeclarationForclosureObligationDetails($this->getStringValue($declarationForclosureObligationDetails));
$declarationInDefault = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 18, 1);
$borrower->setDeclarationInDefault($this->convertToBoolean($declarationInDefault));
$declarationInDefaultDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "96", 15, 255);
$borrower->setDeclarationInDefaultDetails($this->getStringValue($declarationInDefaultDetails));
$declarationAlimonyChildSupport = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 19, 1);
$borrower->setDeclarationAlimonyChildSupport($this->convertToBoolean($declarationAlimonyChildSupport));
$declarationAlimonyChildSupportDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "97", 15, 255);
$borrower->setDeclarationAlimonyChildSupportDetails($this->getStringValue($declarationAlimonyChildSupportDetails));
$declarationDownPaymentBorrowed = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 20, 1);
$borrower->setDeclarationDownPaymentBorrowed($this->convertToBoolean($declarationDownPaymentBorrowed));
$declarationDownPaymentBorrowedDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "98", 15, 255);
$borrower->setDeclarationDownPaymentBorrowedDetails($this->getStringValue($declarationDownPaymentBorrowedDetails));
$declarationNoteEndorser = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 21, 1);
$borrower->setDeclarationNoteEndorser($this->convertToBoolean($declarationNoteEndorser));
$declarationNoteEndorserDetails = StringUtil::find($fannieMaeData, "08B" . $borrowerSsn . "99", 15, 255);
$borrower->setDeclarationNoteEndorserDetails($this->getStringValue($declarationNoteEndorserDetails));
$declarationUsCitizen = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 22, 2);
$borrower->setDeclarationUsCitizen($this->getUsCitizen($declarationUsCitizen));
$declarationResidentAlien = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 22, 2);
$borrower->setDeclarationResidentAlien($this->getResidentAlien($declarationResidentAlien));
$declarationPrimaryResidence = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 24, 1);
$borrower->setDeclarationPrimaryResidence($this->convertToBoolean($declarationPrimaryResidence));
$declarationOwnershipWithinThreeYears = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 25, 1);
$borrower->setDeclarationOwnershipWithinThreeYears($this->convertToBoolean($declarationOwnershipWithinThreeYears));
$declarationOwnershipWithinThreeYearsPropertyType = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 26, 1);
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyType($this->getOwnershipPropertyType($declarationOwnershipWithinThreeYearsPropertyType));
$declarationOwnershipWithinThreeYearsPropertyTitle = StringUtil::find($fannieMaeData, "08A" . $borrowerSsn, 27, 2);
$borrower->setDeclarationOwnershipWithinThreeYearsPropertyTitle($this->getOwnershipTitle($declarationOwnershipWithinThreeYearsPropertyTitle));
// govt monitoring
$borrowerGovtMonitoringOptOut = StringUtil::find($fannieMaeData, "10A" . $borrowerSsn, 13, 1);
$borrower->setGovtMonitoringOptOut($this->convertToBoolean($borrowerGovtMonitoringOptOut));
$borrowerRace = StringUtil::find($fannieMaeData, "10R" . $borrowerSsn, 13, 2);
$borrower->setRace($this->getBorrowerRace($borrowerRace));
$borrowerEthnicity = StringUtil::find($fannieMaeData, "10A" . $borrowerSsn, 14, 1);
$borrower->setEthnicity($this->getBorrowerEthnicity($borrowerEthnicity));
$borrowerSex = StringUtil::find($fannieMaeData, "10A" . $borrowerSsn, 45, 1);
$borrower->setIsMale($this->getBorrowerIsMale($borrowerSex));
// expenses
$declarationAlimonyChildSupportAlimony = StringUtil::find($fannieMaeData, "06F" . $borrowerSsn . "DR", 16, 15);
$borrower->setDeclarationAlimonyChildSupportAlimony($this->toFloat($declarationAlimonyChildSupportAlimony));
$declarationAlimonyChildSupportChildSupport = StringUtil::find($fannieMaeData, "06F" . $borrowerSsn . "DT", 16, 15);
$borrower->setDeclarationAlimonyChildSupportChildSupport($this->toFloat($declarationAlimonyChildSupportChildSupport));
$declarationAlimonyChildSupportSeparateMaintenance = StringUtil::find($fannieMaeData, "06F" . $borrowerSsn . "DV", 16, 15);
$borrower->setDeclarationAlimonyChildSupportSeparateMaintenance($this->toFloat($declarationAlimonyChildSupportSeparateMaintenance));
}
/**
* @param LoanApplication $application
* @param $id
* @return mixed
* @throws \Doctrine\ORM\NonUniqueResultException
*/
public function findOneByLosId(LoanApplication $application, $id)
{
$q = $this->createQueryBuilder('d')->where('l.loan = :loan_id')->andWhere('d.los_id = :id')->setParameter('id', $id)->setParameter('loan_id', $application->getId())->getQuery();
return $q->getOneOrNullResult();
}
/**
* @param LoanApplication $application
* @param $milestoneId
* @param $milestoneGroupId
* @return mixed
*/
public function setLoanMilestone(LoanApplication $application, $milestoneId, $milestoneGroupId)
{
try {
$integrationSite = $this->losConnection->getSite();
//print_r('Site ID: '. $integrationSite->getId() . ' | Milestone ID: '. $milestoneId . ' | Milestone Group ID: ' . $milestoneGroupId);
$newMilestone = $this->em->getRepository('SudouxMortgageBundle:LoanMilestone')->findOneMilestoneByLosId($integrationSite, $milestoneId, $milestoneGroupId);
//print_r('Milestone Name: ' . $newMilestone->getName());
if (isset($newMilestone)) {
// check for a change and send to the
$currentMilestone = $application->getMilestone();
if (isset($currentMilestone)) {
$sendNotifications = $application->getSite()->getSettings()->getInheritedSendMilestonesNotifications();
$user = $application->getUser();
if ($currentMilestone->getId() != $newMilestone->getId() && $sendNotifications && isset($user)) {
if ($user->hasRole('ROLE_MEMBER')) {
$email = new Email();
$email->setSubject("Your loan status has been updated");
$email->setMessage(sprintf("Your loan status for %s has been updated to %s.", $application->getPropertyLocation()->getAddress1(), $newMilestone->getName()));
$email->setRecipient($user->getEmail());
$email->setSite($application->getSite());
$application->addEmail($email);
$emailUtil = $this->container->get('sudoux.cms.message.email_util');
$emailUtil->logAndSend($email);
}
}
}
$application->setMilestone($newMilestone);
$application->setMilestoneGroup($newMilestone->getMilestoneGroup());
} else {
$e = new \Exception("Milestone not found for loan " . $application->getId());
$this->logger->crit($e->getMessage());
}
} catch (\Exception $e) {
$this->logger->crit($e->getMessage());
}
}
