/**
* @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;
}
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 $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;
}