protected function removeLoanCreditReports(LoanApplication $loan)
{
$this->removeBorrowerCreditReport($loan->getBorrower());
$coBorrowers = $loan->getCoBorrower();
foreach ($coBorrowers as $borrower) {
$this->removeBorrowerCreditReport($borrower);
}
}
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 LoanApplication $application
*/
public function addProspects(LoanApplication $application)
{
$response = null;
try {
$borrowers = array($application->getBorrower());
foreach ($application->getCoBorrower() as $coBorrower) {
array_push($borrowers, $coBorrower);
}
// prepare borrowers
$prospects = array();
foreach ($borrowers as $borrower) {
$married = false;
if ($borrower->getMaritalStatus() == 0) {
$married = true;
}
$prospect = array('id' => $borrower->getId(), 'firstName' => $borrower->getFirstName(), 'lastName' => $borrower->getLastName(), 'email' => $borrower->getEmail(), 'primaryPhone' => $borrower->getPhoneHome(), 'suffix' => $borrower->getSuffix(), 'middleInitial' => $borrower->getMiddleInitial(), 'ssn' => $borrower->getSsn(), 'married' => $married, 'birthDate' => $borrower->getBirthDate()->format($this::SERVICE_DATE_FORMAT), 'homeAddress' => array('street1' => $borrower->getLocation()->getLocation()->getAddress1(), 'street2' => $borrower->getLocation()->getLocation()->getAddress2(), 'city' => $borrower->getLocation()->getLocation()->getCity(), 'state' => $borrower->getLocation()->getLocation()->getState()->getName(), 'stateAbbreviation' => $borrower->getLocation()->getLocation()->getState()->getAbbreviation(), 'zipcode' => $borrower->getLocation()->getLocation()->getZipcode()));
array_push($prospects, $prospect);
}
$paramLoanOfficer = null;
$loanOfficer = $application->getLoanOfficer();
if (isset($loanOfficer)) {
$loanOfficerLosId = $loanOfficer->getLosId();
if (isset($loanOfficerLosId)) {
$paramLoanOfficer['username'] = $loanOfficerLosId;
}
}
$params = array('user' => $this->user, 'prospects' => $prospects, 'loanOfficer' => $paramLoanOfficer);
$response = $this->request('createProspect', $params);
// update the los ids
if ($response['result']['success']) {
foreach ($response['result']['prospects'] as $p) {
$borrower = $this->em->getRepository('SudouxMortgageBundle:Borrower')->find($p['id']);
$borrower->setLosId($p['losID']);
$this->em->persist($borrower);
}
$this->em->flush();
}
} catch (\Exception $e) {
$this->logger->crit($e->getMessage());
}
return $response;
}
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 $fannieMaeData
* @param LoanApplication $application
* @param int $source
* @return LoanApplication
*/
public function convertFannieMaeToLoanApplication($fannieMaeData, LoanApplication $application = null, $source = 0)
{
if (isset($application)) {
// remove data for update
$application->removeAllAssetAccount();
$application->removeAllAssetRealEstate();
// reset housing expense
} else {
$application = new LoanApplication();
$application->setLastStepCompleted(6);
$application->setHasRealtor(false);
$application->setSource($source);
$housingExpense = new ExpenseHousing();
$application->setExpenseHousing($housingExpense);
}
$loanAmount = StringUtil::find($fannieMaeData, "01A", 131, 15);
$application->setLoanAmount($this->toFloat($loanAmount));
$loanTerm = StringUtil::find($fannieMaeData, "01A", 153, 3);
$application->setLoanTerm($this->getLoanTerm($loanTerm));
$loanType = StringUtil::find($fannieMaeData, "02B", 6, 2);
$application->setLoanType($this->getLoanType($loanType));
// refi data
$refinanceYearAquired = StringUtil::find($fannieMaeData, "02D", 4, 4);
$application->setRefinanceYearAquired($this->toInt($refinanceYearAquired));
$refinanceOriginalCost = StringUtil::find($fannieMaeData, "02D", 8, 15);
$application->setRefinanceOriginalCost($this->toFloat($refinanceOriginalCost));
$refinanceExistingLiens = StringUtil::find($fannieMaeData, "02D", 23, 15);
$application->setRefinanceExistingLiens($this->toFloat($refinanceExistingLiens));
$refinancePurpose = StringUtil::find($fannieMaeData, "02D", 68, 2);
$application->setRefinancePurpose($this->getRefinancePurpose($refinancePurpose));
/*$refinancePurpose = StringUtil::find($fannieMaeData, "02D", 68, 2);
$application->setRefinanceCurrentLender($refinanceCurrentLender);
$application->setRefinanceCurrentLoanType($refinanceCurrentLoanType);
$application->setRefinanceCurrentRate($refinanceCurrentRate);*/
$salePrice = StringUtil::find($fannieMaeData, "07A", 4, 15);
$application->setSalePrice($this->toFloat($salePrice));
$numUnits = StringUtil::find($fannieMaeData, "02A", 100, 3);
$application->setNumUnits($this->toInt($numUnits));
$propertyYearBuilt = StringUtil::find($fannieMaeData, "02A", 185, 4);
$application->setPropertyYearBuilt($this->toInt($propertyYearBuilt));
$propertyType = StringUtil::find($fannieMaeData, "LNC", 6, 2);
$application->setPropertyType($this->getPropertyType($propertyType));
$residencyType = StringUtil::find($fannieMaeData, "02B", 88, 1);
$application->setResidencyType($this->getResidencyType($residencyType));
$titleManner = StringUtil::find($fannieMaeData, "02B", 89, 60);
$application->setTitleManner($titleManner);
$titleCompany = StringUtil::find($fannieMaeData, "02C", 4, 60);
$application->setTitleCompany1($titleCompany);
// property_location \Sudoux\Cms\LocationBundle\Entity\Location
$propertyLocation = $application->getPropertyLocation();
$propertyAddress = StringUtil::find($fannieMaeData, "02A", 4, 50);
$propertyLocation->setAddress1($propertyAddress);
$propertyCity = StringUtil::find($fannieMaeData, "02A", 54, 35);
$propertyLocation->setCity($propertyCity);
//echo $propertyCity; exit;
$propertyState = StringUtil::find($fannieMaeData, "02A", 89, 2);
$propertyStateEntity = $this->em->getRepository('SudouxCmsLocationBundle:State')->findStateByAbbreviation($propertyState);
$propertyLocation->setState($propertyStateEntity);
$propertyZipcode = StringUtil::find($fannieMaeData, "02A", 91, 5);
$propertyLocation->setZipcode($this->toZipcode($propertyZipcode));
$propertyUnit = StringUtil::find($fannieMaeData, "02A", 55, 11);
$propertyLocation->setUnit($propertyUnit);
// reset the housing expense
$housingExpense = $application->getExpenseHousing();
if (isset($housingExpense)) {
$housingExpense->reset();
}
$borrower = $application->getBorrower();
$this->convertFannieMaeToBorrower($application, $borrower, $fannieMaeData, array('03A_suffix' => 'BW'));
$fnmCoBorrowers = StringUtil::findLinesStartingWith($fannieMaeData, "03AQZ");
$coBorrowers = $application->getCoBorrower();
foreach ($fnmCoBorrowers as $fnmCoBorrower) {
$coBorrowerSsn = StringUtil::find($fnmCoBorrower, "03AQZ", 6, 9);
$coBorrower = null;
if (count($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);
}
$this->convertFannieMaeToBorrower($application, $coBorrower, $fannieMaeData, array('03A_suffix' => 'QZ'));
}
//exit;
return $application;
}
