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* Help Variables
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var help1 = "
Whose assets will be used?
If there is no Co-Borrower and you are not relying on assets of a spouse or a property in a community property state to qualify for and repay the loan, leave both checkboxes blank and move on to the Loan Applied For section.
Will be used: If you choose that the income or assets of a person other than the \"Borrower\" (including the Borrowers spouse) will be used as a basis for loan qualification, you are stating that the Co-Borrower's assets and that the supporting information on the form will be entered and supporting documents will be provided to support the Co-Borrower's information as well as your own.
Will not be used: If you choose that the income or assets of the Borrower's spouse will not be used: as a basis for loan qualification, you are stating that there is a Co-Borrower who's assets will not be used to qualify for the loan, but who's liabilities must be considered because (A) the Borrower lives in a community property state, or (B) the security property is located in a community property state, or (C) the borrower is relying on other property located in a community property state as a basis for repayment of the loan.
";
var help2 = "
Loan Applied For:
V.A.: Veterans Administration Loan. Select this if you are a veteran applying for a V.A. loan, if the property is a 1 to 4 unit family dwelling, and you intend to occupy the residence yourself.
FHA:Federal Housing AdministrationSelect this if you want to obtain a FHA insured loan. (See Government Loans).
Conventional: These loans are not guaranteed by a government agency as the first two choices above. They may include conforming and non-conforming loans.
USDA/Rural Housing Service:This program enables eligible low- and moderate-income rural residents to acquire modestly priced housing for their own use as a primary residence.
Other: If you have talked to your loan officer regarding alternate financing or a loan program you think doesn't fit into any of the above categories, select \"Other\" on the form.";
var help3 = "
Loan Amount:
Enter the loan amount you are applying for without a dollar sign ($) or decimal point (.). For example, if you are applying for a loan amount of $120,000.00, you should enter \"120000\".
Loan amounts are determined by the appraised value of your home on a refinance loan. If you are purchasing a home, the loan amount is based the appraised value or the selling price, whichever is less. The amount you can apply for is also determined by the loan program you're applying for. For instance if a lender's maximum allowed loan-to-value ratio (LTV) for the program you've chosen is 80% and the property appraises for $120,000.00, the maximum loan amount you can apply for will be $96,000.00 ($120,000 X 80% = $96,000).
Talk to your loan officer concerning your maximum LTV on the loan program you are applying for.
";
var help4 = "
Interest Rate & Number of Months:
Interest Rate:Enter the interest rate you are applying for on this loan. For instance, if you are applying for a 5.5% interest rate, enter \"5.5\" without the % sign.
Rate = Enter Decimal
5 = 5
5 1/8 = 5.125
5 1/4 = 5.25
5 3/8 = 5.375
5 1/2 = 5.5
5 5/8 = 5.625
5 3/4 = 5.75
5.7/8 = 5.875
6 = 6
Number of Months: If you are applying for a 30 Year loan, enter \"360\". If your loan will be a 15 Year loan, enter \"180\", and so on. If your loan doesn't fit the example below, just multiply the number of years by 12 and enter the result.
Years = Enter Months
5 = 60
10 = 120
15 = 180
20 = 240
30 = 360
40 = 480
";
var help5 = "
Yearly Taxes - Yearly Insurance:
Yearly Taxes: How much do you pay per year for property taxes on the subject property? This form will automatically total your monthly payments based on your yearly payment. Enter the amount without the ($) and round it off to the nearest dollar. For instance, if you pay $658.23 per year, enter \"658\" in the appropriate field on the form. If this is a purchase and/or you don't know the amount of your yearly taxes, leave the field blank.
Yearly Insurance: This refers to hazard insurance. As above, enter only the yearly amount you pay for hazard insurance on the subject property in the field provided.
";
var help6 = "
Amortization Type:
A Fixed-Rate real estate loan is usually repaid over a 15 to 30 year term at an unchanging monthly payment and interest rate.
GPM:Graduated Payment Mortgage is a loan in which the monthly payments increase by a certain percentage each year for a predetermined number of years and are then fixed for the remaining loan term.
Adjustable: An Adjustable Rate Mortgage (ARM)is a loan with a payment and interest rate that fluctuates to reflect the index the ARM is based on.
If ARM (type): If you selected \"ARM\" and know the type of arm you're applying for, list the type in the field provided.
Other:Select \"Other\" if you are unsure what amortization type to enter or if none of the explanations apply to your loan.
If Other (explain):If you selected \"Other\" and know the amortization type, enter the other type in the field provided. If you know that your loan is different than any of the selections above, but don't know the type, leave the field blank.
";
var help7 = "
Subject Property Address:
Enter the address of the property which will be the security or collateral for the loan you are applying for.
This may not be your current residence address if you are applying for a loan on a second home, commercial or income property, or purchasing a new home. If you are refinancing your existing mortgage on your current residence, enter your current residence address.
";
var help8 = "
Subject Property APN or Parcel Number:
Assessor's Parcel Number (APN): Each property in a county has a unique APN. Different counties use different formats. The APN is also known as a parcel number, folio number or PIN number.
On the application, this is normally where a lenghty property description would go. We have shortened this area to include only your APN number if you know it.
We will obtain this information when we order your preliminary title report from the title company. If you don't know your APN number, you may leave the field blank.
";
var help9 = "
Number of Units & Year Built:
Number of Units: This refers to the number of family dwellings in the individual unit you are using as security for the loan you are applying for. If the property is a single family dwelling, enter \"1\", if it is a duplex, enter \"2\", and so on.
Year Built: Enter the year the subject property was constructed if you know it. If you are uncertain, leave the field blank. This information will be on your preliminary title report and can be added later.
";
var help10 = "
Purpose of Loan:
Purchase: Enter \"Purchase\" if you are purchasing a home.
Refinance: Enter \"Refinance\" if you are exchanging your old loan for a new one, you don't want extra cash from the loan and you're not consolidating your debts, or, if you are consolidating your debts and/or financing extra cash out of the equity in your home.
Construction Loan: If you are applying for financing for the construction of a new home or home improvement on your property, select \"Construction Loan\" on the form.
Construction-to-Permanent: A construction-to-permanent loan will roll over to a fully amortized loan (usually a 15 or 30 year loan) when construction is completed.
Other: Select \"Other\" if none of the above apply to your situation.
If Other (explain): Enter \"credit line\" if you are leaving your existing loan \"as is\" and applying for a line of credit, or \"Equity Loan\" if you are taking out a separate loan against your home's equity for cash. If you're not sure what to enter in this field, leave it blank.
";
var help11 = "
Property will be:
Primary Residence: Select \"Primary Residence\" if the loan you are applying for is for the home you live in most often. This does not include a vacation home or income property.
Secondary Residence: This would be a second home that you live in part-time (possibly a vacation home or cabin), but not your primary place of residence.
Investment: Select \"Investment\" if you are applying for a loan on a property that is used for income. This can be a single or multi-family place of residence.
";
var help12 = "
Year Lot Acquired - Original Cost:
NOTE: This section is to be filled in only if you are applying for a construction or construction-to-permanent loan. If you are purchasing a home, refinancing your existing place of residence or an existing income property, leave this section blank.
Year Lot Acquired: Enter the year you first acquired the property (e.g. \"1978\").
Original Cost: Enter the original cost of the lot only (for $30,000.00 - enter \"30000\" without the \"$\"). There will be a place to enter the cost of improvements on your lot and total value in this section on the form.
";
var help13 = "
Existing Liens - Value of Lot:
This section is for construction and construction-to-permanent loans only.
Existing Liens: Enter the total amount of money owed on your lot right now (if any).
Value of Lot: Enter the resale or appraised value of the lot only if you were to sell the lot on the market today. Do not include the cost of any improvements you have made on the property. The cost of improvements will be added to the value of the lot on the next line on the form.
";
var help14 = "
Cost Improvements - Total Value:
This section is for construction and construction-to-permanent loans only.
Cost of Improvements:Enter the total amount of money you have spent on improvements on your property (such as the cost of putting in a well or septic system, etc.).
Total Value: Add the \"Present Value\" to the \"Cost of Improvements\" and put the total in this field. If the present value was $30,000.00 and the cost of improvements was $25,000.00, enter \"55000\" in the field without the \"$\".
";
var help15 = "
Year Acquired - Original Cost:
NOTE: This field is to be filled in only if you are applying for a Refinance loan. This means that you are exchanging your existing loan on a property you own for a new loan on the same property.
Year Acquired: Enter the year you first acquired the property (e.g. \"1985\").
Original Cost:Enter your original purchase price for the property (for $150,000.00 - enter \"150000\" without the \"$\").
";
var help16 = "
Amount Existing Liens & Purpose of Refinance:
Amount Existing Liens:Enter the total owed on your property including 1st and 2nd mortgages, notes, and all debts that are using your property as security for this loan.
Purpose of Refinance: Select from below:
Select No Cash-Out if you are trading your old loan for a new one, you don't want extra cash from the loan and you're not consolidating your debts.
Select Cash-Out/Other if you are getting cash out of your equity and it isn't being used for home improvement or bill consolidation.
Select Cash-Out/Home Improvement if you are getting cash out of your loan for improvements.
Select Cash-Out/Debt Consolidation if you are consolidating your debts to lower your household monthly payments in this loan.
Select Limited Cash-Out if the mortgage amount is limited to the unpaid balance of the first mortgage, closing costs, prepaid items, points, and any mortgage liens more than one year old.
";
var help17 = "
Improvements To Property:
NOTE: This section is for \"Refinance - Cash-Out\" loans and only applies to improvements on the property. Skip the items below if this is a Rate and Term Refinance (exchanging one loan for another on the same property to lower your rate), or if your refinance - cash-out loan is to be used for bill consolidation.
Improvements Made: Check this box if you have already made improvements to your property and are applying for a refinance loan to reimburse yourself for these improvements.
To be made: Check this box if you are applying for a refinance loan to make improvements not yet made to your property.
Cost of Improvements: Enter the total amount of money you have spent or intend to spend on improvements to your property (such as the cost of new cabinets, new garage, or new roof, etc.).
Description of Improvements: In your own words, briefly describe the type of improvements you have made or intend to make with the cash-out portion of your loan.
";
var help18 = "
Title Held in What Name(s):
The \"Names\" in which the property is to be held, and \"Vesting\" or \"Manner\" title is to be held is a matter that should be considered carefully before the deed is actually drawn. If you are uncertain as to how the property should be vested, consult your legal counsel and leave this field blank.
What is/are the name(s) of the owners? A single person might put \"John Doe\", and married couple might put \"John and Jane Doe\" or \"John Doe and Jane Doe\".
A company or corporation might put \"Digital Calibration, Inc.\", or \"The Food Factory\".
The deed will usually contain the status of both the grantors and grantees. Although it isn't required here, you may add the status to your names on the form. For instance, you may type in \"John Doe, a single (or unmarried) man\", or \"John and Jane Doe, husband and wife\".
A corporation might include \"Digital Calibration, Inc., a corporation formed under the laws of California\".
";
var help19 = "
Manner in which title will be held:
Enter Severalty: or Sole Owner if this is ownership by one person or corporation. You might also want to enter \"sole and separate property\".
Enter Tenancy in common when two or more people own the property together; they each own a share of the income, expenses and value of the property; each may sell, lease or will his/her own share of the property, and all tenants in common have the right to occupy the property together.
Joint tenancy contains \"rights of survivorship\" without having to go through probate. This vesting conveys ownership of the deceased persons property (or estate) to the surviving owner(s) immediately upon the partners death.
Community property: Only persons married to each other may use this manner of vesting. The term \"Community property\" is referring to all property and debts acquired during marriage and are shared equally. Title is automatically conveyed to the surviving spouse if there is no will. If there is a will, either spouse may convey title to whomever they wish.
If you are unsure in which manner you would like the title to be held, leave the field blank.
";
var help20 = "
Source of Down Payment:
If this is a purchase and you are making a down payment, click "yes" and identify the source of the down payment in the next field.
Source of Down Payment: If you are purchasing a property and are making a down payment on the property, choose from the drop-down window where the funds are coming from. If you are not purchasing a home, there is no need to comment on the source of down payment.
Settlement Charges: For the purposes of this form, any settlement charges you are required to pay in escrow can be listed on this form if it needs to be taken into consideration for you to qualify for the loan.
Subordinate Financing: If you have a 2nd mortgage on your property, it will be paid off after the first mortgage is paid in full. This means that the 2nd mortgage is subordinate (or junior) to the first mortgage.
If you are unsure what to enter, please leave the explanation box empty - this will in no way affect your qualifications for a loan.
";
var help21 = "
Fee Simple? Or Leasehold Estate?:
Fee Simple Estate: A Fee Simple Estate is the highest and largest interest someone can hold while in possession of a property (Fee Simple usually means "Owner of the property"). A Fee Simple Estate is one that is inheritable, transferable and perpetual. It can be inherited by leaving the property to someone in a will or letting it automatically pass on to the owners' heirs if there is no will (inheritable), it can be sold, divided, or given away by the owner(s) (transferable), and the property can be possessed by the owner(s) and their heirs for an unlimited period of time (perpetual).
Leasehold Estate: This is a more limited interest in an estate. Simply put, a leasehold estate allows exclusive possession of the property for a limited time only (specifically, an estate for years, a periodic tenancy or a tenancy at will). If you have a leasehold estate you are a lessee or a tenant - you are basically renting the property.
If leasehold estate, enter expiration date: If you have a leasehold estate, there will be a termination or expiration date showing when the interest of the property (reversionary interest) will return to the owner or landlord of the property. Enter this date in the field.
";
var help22 = "
Borrower Information:
This section of the application is for the current status of the Borrower only. Below the Borrower section is where the Co-Borrower's information is entered (usually the spouse).
Name: Enter your legal given name or the name you are legally known by (not a nickname). Enter First Name, Middle Initial (Mi.), and Last Name in the fields provided.
Soc. Sec. No.: Enter your Social Security number if you have one "123-45-6789".
Home Phone: Enter your residential telephone number including the area code "(555) 555-5555".
";
var help23 = "
DOB, Education and Marital Status:
The information in this section is used solely for the purposes of identifying who you are and qualifying you for a mortgage loan.
DOB: Enter your your birth date in the mm/dd/yyyy format. For example: If you were born on Auguest 12th, in the year 1950, you would type: 08/12/1950 in the field provided. Or Click on this symbol to choose a date from the calendar on the right side of the DOB field and it will automatically enter the date for you.
Yrs. in School: Enter the number of years you attended school. If you graduated high school only, enter "12". If you attended college for two years, enter "14", and so on.
Marital Status: Select from the following choices: Choose "Married" (if you are married), "Separated" (if you are married, but do not reside with your spouse), or "Unmarried" (if you are single, divorced or widowed).
";
var help24 = "
Dependents:
Dependents: Enter the number of dependents living in your household. For instance, enter the number "5" if you have five children living with you. Children 18 years and older do not qualify as dependents unless they are still in school or need to live in your home for medical reasons. Other relatives may qualify as dependents also depending on their circumstances.
Ages: In the field provided, enter your dependents ages separated by comma's ( 14,12,9,6,3 ). If you have no dependents living with you, leave the field blank.
";
var help25 = "
Present Address:
Present Address: This address information may be different than the subject property information entered earlier in this form. Enter the address where you reside now (Street, City, State, Zip).
Own or Rent: Do you own the property where you reside, or rent it? Check the box that pertains to your situation.
Number of Years: Enter the number of years you have lived in the address above.
If your mailing address is different than your present address above, click "Yes": This will open a new section for you to enter your mailing address if you don't receive mail at the address you listed as your "Present Address".
";
var help26 = "
Mailing Address:
Mailing Address: If you reside at one address and receive your mail at another address such as a post office box or another location, enter the address you currently receive mail (Street, City, State, Zip).
";
var help27 = "
Former Address:
Former Address: If you have lived at your present address for less than two years, enter the address where you resided before the above listed address (Street, City, State, Zip).
Own or Rent: Did you own the property where you resided, or rent it? Check the box that pertains to your situation.
Number of Years: Enter the number of years you resided at this address.
";
var help28 = "
Co-Borrower Information:
This section of the application is for the current status of the Co-Borrower (if any).
Name: Enter your legal given name or the name you are legally known by (not a nickname). Enter First Name, Middle Initial (Mi.), and Last Name in the fields provided.
Soc. Sec. No.: Enter your Social Security number if you have one "123-45-6789".
Home Phone: Enter your residential telephone number including the area code "(555) 555-5555".
";
var help29 = "
DOB, Education and Marital Status:
The information in this section is used solely for the purposes of identifying who you are and qualifying you for a mortgage loan.
DOB: Enter your your birth date in the mm/dd/yyyy format. For example: If you were born on Auguest 12th, in the year 1950, you would type: 08/12/1950 in the field provided. Or Click on this symbol to choose a date from the calendar on the right side of the DOB field and it will automatically enter the date for you.
Yrs. in School: Enter the number of years you attended school. If you graduated high school only, enter "12". If you attended college for two years, enter "14", and so on.
Marital Status: Select from the following choices: Choose "Married" (if you are married), "Separated" (if you are married, but do not reside with your spouse), or "Unmarried" (if you are single, divorced or widowed).
";
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var help31; // not used
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var help33; // not used
var help34 = "
Employment Information:
Employer Name: Enter the name(s) of the Borrower's and Co-Borrower's current employers. If you are self employed, enter the name of your business. If you are married and one of you (usually the Co-Borrower) is unemployed, enter "homemaker" and leave the rest of the employment information for that spouse blank on the form. If you are retired from your job, enter "retired" in this field and leave the rest of the employment information section blank on the form.
Street Address: Enter the address where your company receives its mail. This may be a P.O. Box or the physical address of the location where you work. If you are self employed and work out of your home, give your home address.
Work Phone: Enter your main work telephone number including the area code "(555) 555-5555". If you are self employed, enter the work number where you are most likely to be reached.
";
var help35 = "
Position/Type of Business:
Position/Title: Enter your position or title in your current job such as: "Laborer" or "Jr. Sales Executive", etc.).
Business Type: Enter the type of business you are involved in, such as: "construction" or "car dealership".
";
var help35b = "
Self Employed:
Self Employed? Check the appropriate box to indicate whether you are self employed or not. If you work for someone other than yourself, but are also self employed and want both income's to be considered in this loan application, check both boxes.
Years on Job: Enter the number of years you have been employed with your current employer. If you are self employed, enter the number of years you have been in business for yourself.
Years in Profession: Enter the number of years you have been in your present line of work. If you worked for another company in the past for four years in your current profession, but have been self employed or worked for another company in the same profession for the last year, enter "5" in the field provided.
";
var help36 = "
Previous or Other Employment:
Employer Name: If you have been employed at your current job for less than two years, enter the name(s) of the Borrower's and Co-Borrower's Previous employers. If you were self employed, enter the name of your business.
Street Address: Enter the address of your past employer. This may be a P.O. Box or the physical address of the location where you last worked. If you were self employed and worked out of your home, give your home address.
Work Phone: Enter your past employers main work telephone number including the area code "(555) 555-5555". If you were self employed, but no longer own a business, enter your home phone number where you reside now.
";
var help37 = "
Position/Type of Business:
Position/Title: Enter your position or title in your current job such as: "Laborer" or "Jr. Sales Executive", etc.).
Business Type: Enter the type of business you are involved in, such as: "construction" or "car dealership".
";
var help38 = "
Self Employed:
Self Employed? Check the appropriate box to indicate whether you were self employed or not at your previous job.
Dates, from: - to: Enter the beginning and ending dates you were employed with this employer (enter the dates in the mm/dd/yyyy format: 12/02/1998). Or choose a date from the calendar on the right side of the date field and it will automatically enter the date for you. If you were self employed, enter the beginning and ending dates you were in business for yourself.
Monthly Income: Enter your monthly income from this job. If you made $3500.00 per month, enter "3500" without the $. This is your adjusted gross income (AGI) on your tax returns. The best way to figure your average monthly income is to add your AGI for the last two years together from your tax forms and divide by 24 months. This is most likely how your lender will calculate your income unless you were self employed.
";
var help39 = "
Previous or Other Employment:
Employer Name: If you have been employed at the last job you listed above for less than two years, enter the name(s) of the Borrower's and Co-Borrower's Previous employers. If you were self employed, enter the name of your business. Or, if this is a second or third income, list it here if you wish to have it considered to qualify for this loan.
Street Address: Enter the address of your this employer. This may be a P.O. Box or the physical address of the location where you last worked. If you were self employed and worked out of your home, give your home address.
Work Phone: Enter your past employers main work telephone number including the area code "(555) 555-5555". If you were self employed, but no longer own a business, enter your home phone number where you reside now.
";
var help40 = "
Position/Type of Business:
Position/Title: Enter your position or title in your current job such as: "Laborer" or "Jr. Sales Executive", etc.).
Business Type: Enter the type of business you are involved in, such as: "construction" or "car dealership".
";
var help41 = "
Self Employed:
Self Employed? Check the appropriate box to indicate whether you were self employed or not at your previous job.
Dates, from: - to: Enter the beginning and ending dates you were employed with this employer (enter the dates in the mm/dd/yyyy format: 12/02/1998). Or choose a date from the calendar on the right side of the date field and it will automatically enter the date for you. If you were self employed, enter the beginning and ending dates you were in business for yourself.
Monthly Income: Enter your monthly income from this job. If you made $3500.00 per month, enter "3500" without the $. This is your adjusted gross income (AGI) on your tax returns. The best way to figure your average monthly income is to add your AGI for the last two years together from your tax forms and divide by 24 months. This is most likely how your lender will calculate your income unless you were self employed.
";
var help42 = "
Monthly Household Income:
Base Employment Income:This is your monthly gross earnings. Enter the amount of money you make in a 30 day period. If your base income amount is irregular, divide your yearly total by 12 months and enter the total.
Overtime, Bonuses and Comissions: Enter any of these that you receive on a regular basis. Take an average if it changes each month. Commissions may need to be backed up with 1099 forms to show proof of income.
Dividends/Interest: Any dividend or interest income from stocks, bonds, loans, savings, etc. that you wish to be considered for the purposes of this application needs to be averaged monthly and entered in this field.
Net Rental Income: Enter your rental income minus any monthly principal and interest mortgage payments, taxes, insurance and maintenance costs.
Other Income: Enter Retirement, Social Security, Child support, Alimony or Separate Maintenance income. NOTICE: The Borrower and Co-Borrower do not need to reveal this information if they don't want it to be considered for repaying this loan.
";
var help43 = "
Describe Other Income:
This section is for explaining your entry in the "Other Income" field in the "Gross Monthly Income" section (if any). If you did not enter anything in "Other Income", leave this section blank. Other Income may include anything in the drop-down box in the next field on the form. NOTICE: The Borrower and Co-Borrower do not need to reveal this information if they don't want it to be considered for repaying this loan. The explanations below will tell you what to enter in the fields in this section.
Borrower (B), or Co-Borrower (C): Indicate whether the income listed is income for the Borrower or Co-Borrower by checking the appropriate box.
Describe Other Income:Choose the 'Other Income' description of the type or nature of your other income from the drop-down list provided.
Monthly Income: Enter the amount you receive on a monthly basis without the dollar sign ($). For example, if you make $1540.00 per month, enter "1540" in the field provided.
";
var help44 = "
Combined Monthly Expense:
Rent: If you don't own a property, but are renting, enter the amount of rent you are currently paying where you live now.
First Mortgage (P&I): Current: If you know your current Principal and Interest (P&I) payments on your first mortgage, list them here. If you have impounds included in your payment (taxes and insurance added to your monthly P&I payment), enter the total payment here. Proposed: If you completed the information in the first part of this form ("Amount Applied For", "Interest Rate", and "Number of Months"), this field will already be calculated for you.
Other Financing (P&I): Current & Proposed: If you have additional financing on the subject property (such as a 2nd or 3rd mortgage, or a private note), list the monthly payments in the field provided.
";
var help45 = "
Combined Monthly Expense:Continued...
Hazard Insurance: Current:If you don't have impounds and pay your hazard insurance yourself (usually every six months), list your monthly payment here. If you pay every six months, divide the payment amount by 6 months and enter the total. Proposed: If you completed the information in the first part of this form ("Yearly Insurance"), this field will already be calculated for you.
Real Estate Taxes: Current: If you don't have impounds, enter your monthly property taxes in the field provided. Proposed: If you completed the information in the first part of this form ("Yearly Taxes"), this field will already be calculated for you.
Mortgage Insurance: Current & Proposed: Mortgage insurance is usually charged on loans that have a higher than normal LTV). This is usually paid until your loan amount is reduced to at least 80% of your home's appraised value. If you pay mortgage insurance, enter the amount in this field unless it is included in your monthly mortgage payment.
";
var help46 = "
Combined Monthly Expense:Continued...
Homeowner Assoc. Dues: Current & Proposed: If you live in a planned unit development, there are usually Homeowner Association Dues required to be paid yearly or monthly. If this pertains to you, enter the monthly amount you pay in this field. If you are buying a home in such a development, enter the amount you will be charged in the field provided in the "Proposed" column.
Other Expenses: Current & Proposed: If you have other monthly housing expenses not listed in any of the categories above, enter your monthly payment(s) here.
Total: The totals in this section will automatically be totaled for you. You may move on to the next section.
";
var help47 = "
HELP
Schedule of Real Estate Owned:
This section of the application is for listing all properties you may own. This would include the home you live in if you own it, any rental properties, a second home, or any other real estate you own outright or are currently financing. See the instructions for each category below.
Check if this property is: Indicate whether this property is your current residence or the subject property of this application by checking the appropriate box. If both statements apply, check both boxes. If neither statement applies to this property, leave both check boxes blank.
Street, City, State & Zip: Enter the address for the property you are describing.
Status: In the drop-down box, select from the following choices: Choose "Sold" if the property listed above is sold but still in your name; Choose "Pending Sale" if it is listed on a multiple listing service, a buyer has already given a deposit on the property, or you are trying to sell the property yourself; Choose "Rental" if the property is being held for income purposes; Or, choose "Retained" if you intend to keep this property.
";
var help47b = "
HELP
Schedule of Real Estate Owned:Continued...
Property Type: In the drop-down box, select the closest description of the type of property you are giving details about in this section.
Present Market Value: Enter the present market value of the property described. Use a recent appraisal or comparable properties if the property hasn't been appraised in a while. Enter the value without the ($), decimal point, or comma's. For Instance, If the property described has a value of $145,000.00, enter "145000".
Mortgage Liens: List the total amount of any liens including first, second, or third mortgagees, private loans, or government liens against the described property.
Mortgage Payments: Enter the total amount of mortgage payments you pay on the described property each month on all loans financed for this property.
";
var help47c = "
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Schedule of Real Estate Owned:Continued...
Maint., Taxes, Ins.: How much do you spend in maintenance costs, taxes and insurance on the property described? enter the amount in the field provided.
Gross Rental Income: If the described property is a rental, enter the gross amount collected monthly from this property. If it is not a rental property, leave the field blank.
Net Rental Income: If you have filled in the fields "Gross Rental Income", "Mortgage Payments", and "Maint., Taxes, Ins.", the "Net Rental Income" field will be automatically totaled for you.
If you would like to add another property, click "Yes": If you check the "Yes" box, another section for an additional property will appear for you to fill out.
";
var help48 = "
Assets:
This section will ask about your financial and physical "Assets" including retirement and other investments. If you don't know the answer to a question or the question doesn't apply to you, leave the field blank.
Jointly? Not Jointly?: If the "Co-Borrower" section was completed about a spouse, this statement and supporting schedules must be completed about that spouse also. If so, check the "Jointly" box.
If you are applying for this loan by yourself, or you and the Co-Borrower are applying for this loan and are not married, check the "Not Jointly" box.
Cash deposit toward purchase held by: If you purchasing a property and have made a cash deposit toward the down payment for this property, who is holding the deposit? This may be your real estate broker, a title or escrow company, your attorney, or a private party, etc. Enter the business name (or personal name if it is a private party).
Amount of deposit: Enter the total dollar amount of your deposit being held by the party named in the last question (if any).
";
var help49 = "
Checking and Savings Accounts:
List your checking and savings account information in this section.
Name & Address of bank: Enter the name and address of each bank, S&L, or Credit Union account. There is more room in the text area than appears. Simply enter the bank name in the text area provided and hit the "Tab" key on your keyboard to go to the next line in the text area for the street address, and so on.
Account Number: Enter the full account number in the field provided. If you have more than one account at this institution, use the spaces for the next bank to enter this information (It is not necessary to enter the address information for the same bank again, simply type "Same" in the next "Name and Address" field). Be sure to enter the full account number and amount in each account.
Cash or Market Value: Enter the total dollar amount you have in this account right now without the "$".
";
var help50 = "
Stocks and Bonds:
Here is where you enter the name of the stocks and bonds you own, the number and the cash or market value of these stocks and bonds.
Name: Enter the name of the company or of the stocks or bonds in this field. For instance, "IBM" or "AT&T"
No.: Simply enter the number of shares of your stock or bond holdings.
Cash or Market Value: Enter the present market value of these stocks or bonds if you were to sell them today.
";
var help51 = "
Life Insurance:
Life Insurance Face Amount: Enter the face amount of your life insurance policy.
Cash or Market Value: Enter the amount your life insurance policy would yield if you cashed it in today.
";
var help52 = "
Retirement Fund:
Vested Interest in Retirement Fund: This is where you would enter the total of all of your retirement assets such as an IRA account and/or a 401K, etc. Any money or assets that have been set aside for retirement purposes will qualify for this field.
";
var help53 = "
Business Net Worth:
Net Worth of business(es) owned: If you own one or more businesses, your business net worth needs to be entered in this field.
Although explaining all of the factors involved in determining your businesses net worth is beyond the scope of this form, the basic formula used to calculate your business net worth is to subtract your total liabilities from your total assets.
Total assets
$246,800.00
minus Total Liabilities
-
$130,250.00
Total Net Worth
=
$116,550.00
In the above scenario, you would enter "116550" in the appropriate field on the form.
";
var help54 = "
Automobiles Owned:
Year: Enter the year your vehicle was built.
Make: Enter the make (Ford, Chevrolet, etc.).
Model: Enter the model of the car described (Thunderbird, Corvette, etc.).
Cash or Market Value: What is the value of your car? If you don't know the value of your automobile, there are several web sites that feature automobile values. You can even enter the amenities and condition of your vehicle to get an accurate value.
These assets can be almost anything of value. They can be household furnishings, a coin collection, jewelry, a car collection, paintings, or anything of value.
Description: Enter a description of the item(s) of value.
Cash or Market Value: Enter the present cash value or market value of the item(s) described if you were to liquidate the item(s) today.
";
var help56 = "
HELP
Liabilities and Pledged Assets:
Liabilities include mortgage companies, banks, credit cards, car payments, private notes, etc.. Don't list debts that will be paid off in ten months or less.
Check if this liability is: If the property is for income, click the box that says: "a rental property." If the property is the subject property for this loan application, click the box that says: "the subject property for this application." If neither statements apply to the property you are describing, leave both boxes unchecked.If both statements apply to this property, check both boxes.
Liability Type:Installment Loan (loans to be paid off in regular installments), 30 Day Charge Account (a charge account that is paid off each month), Revolving Charge Account (i.e.: a credit card account with monthly payments), HELOC (home equity line of credit), Mortgage (a loan using your property as security for your loan), Liens (payments to government or other agencies that hold liens on your personal or real property), Lease (lease payments), Taxes (regular payments for taxes owed), and Other (anything that doesn't fit the previous categories.
";
var help56b = "
HELP
Liabilities and Pledged Assets:Continued...
Name, Street, City, State ZIP: Enter the name of the company you owe money to, the street name and number, state they reside in and the ZIP code.
Monthly Payment: Enter Your minimum monthly payment for the account described.
Unpaid Balance: Enter the amount of the unpaid balance on this account.
Account Number: You can find the account number on your monthly bill and on your credit report.
Mos. Left: How many months do you have left to pay on the debt before it will be paid off? If the debt will be paid off in 10 months or less, don't list the liability at all on your application.
Paid Off: Check this box if the debt will be paid off with this loan.
";
var help57 = "
Alimony/Child Support/Separate Maintenance:
Alimony, child support and separate maintenance are also liabilities which have to be taken into account when the lender qualifies you for a home loan. If you don't owe any of the above, skip this section and move on to the next item on the form. If you do, see the descriptions below.
Payments Owed to: Enter the name of the person to which you owe alimony, child support or separate maintenance. In most cases, you will need to send the sender a copy of your divorce decree as proof of who owes what to whom before your loan closes.
Monthly Payment: Enter the amount of money you owe the person described above each month.
";
var help58 = "
Job Related Expense:
Job related expenses are liabilities also and are considered by your lender in qualifying you for a home loan. The costs of travel, union dues, child care, locker and parking rent are all considerations for this category. See the descriptions below.
Child Care, Union Dues, etc.: Describe the type of monthly job-related expense in the field provided on the form.
Monthly Payment: Enter your current monthly payment for the described type of job related expense. If you pay $200.00 per month, enter "200" on the form.
";
var help58b = "
Additional Names:
Here is where you would list any additional names under which credit has previously been received and indicate the creditor names and account numbers of these accounts. See a description of the fields below.
Alternate Name: If you have used another name in which credit has been received, enter the name in the field provided on the form. For instance, if your name is Stephen Paul Jackson, but you have received credit under the name of S.P. Jackson Sr., or you have a nickname which you do receive, or have received credit, like Corky Jackson, list this name in the appropriate field.
Creditor: Enter the personal or company name of the creditor from whom you have received credit previously for the name entered above.
Account Number: Enter the account number of the described creditor.
";
var help59 = "
Purchase Price:
Purchase Price: If you are applying for this loan for the purposes of purchasing a property or want to be prequalified for a loan, enter the price of the property or the amount you want to qualify for in the field provided.
If you are in negotiations on a property, don't enter the amount offered if it has not been accepted by the seller. If you are not sure what the purchase price will be, enter the last accepted price or the listing price of the property.
";
var help60 = "
Alterations, Improvements, Repairs:
Alterations, Improvements, Repairs: If you included "costs of improvements" at the beginning of this form or you are applying for this loan to make alterations, improvements, or repairs to the subject property, enter the price of these improvements in the field provided.
";
var help61 = "
Land (if acquired separately):
Land (if acquired separately): If you are purchasing a piece of land by itself or an additional piece of land with this loan, enter the price in the field provided.
If you are applying for a construction loan and are purchasing a piece of land to build a structure on the property, or you have already purchased the land and are refinancing it, enter the price of the land in the appropriate field on the form.
";
var help62 = "
Refinance (include debts to be paid off):
Refinance (include debts to be paid off): If you are applying for a Rate-and-term refinance (exchanging one loan for another) enter the loan amount.
If you are applying for a Cash-Out refinance and paying off other debts (credit card debt, car loan, student loan, 1st and/or 2nd mortgage, etc.) in this loan, include all of the debts that will be paid off with this loan and enter the amount in the field provided.
";
var help63 = "
Estimated Prepaid Items:
Calculating prepaid items on a general basis is beyond the scope of this form. Prepaid items on a purchase may include home inspections, pest inspections, homeowner warranties, etc. Generally lenders use this category for purchases only, however, some lenders require that other items are included here for a refinance also, such as appraisal fee, the cost of a credit report, interest, property taxes, insurance, title and escrow fees, etc..
Most lenders include the later group above in the next item on the form ("estimated closing costs").
If you know the amount of these prepaid items (if any) you may enter them in the field provided. You might give your loan officer a call to see if there are any prepaid items to list on your loan.
If you are unsure what to enter for "Estimated Prepaid Items", leave the field blank.
";
var help64 = "
Estimated Closing Costs:
Estimated Closing Costs: These items may include, but are not limited to: discount points, appraisal fee, credit report fee, lender processing fee, broker processing fee, document preparation fee, tax service fee, underwriting fee, flood certification fee, funding fee (if any), lender points (if any), and broker points (if any), reserves for county property taxes and hazard insurance (if you have impounds), and county recording fees, etc..
Within three days of sending in your application, the lender will send you a Mortgage Loan Disclosure Statement and Good Faith Estimate that will list all of these items in detail including broker and lender fees.
If you know approximately what these charges are going to be, enter the amount of your estimated closing costs in the field provided.
";
var help65 = "
PMI, MIP, Funding Fee:
PMI, MIP, Funding Fee:PMI (private mortgage Insurance), or MIP (mortgage insurance premium) may be required by your lender on a conventional loan if your loan-to-value ratio (LTV) is above 80 % or more. The reason for this is that lenders feel that if the owner has at least 20% equity in their property, they will have the incentive required to keep up their monthly mortgage payments. When the owner has less than 20% equity, the lender requires the owner to make insurance payments to protect the lender for the amount above 80% of the LTV in the event that the borrower defaults on the loan. The mortgage insurance company compensates the lender for reduced borrower equity.
If your loan amount is above 80% of the property's value based on the appraisal or the selling price (whichever is less) you may have to pay for mortgage insurance. If you know you will have to pay for mortgage insurance, enter the amount in the field provided. If you know you won't have to pay for mortgage insurance, or you don't know what the payment will be, leave the field blank.
";
var help66 = "
Discount (if Borrower will pay):
Discount (if Borrower will pay): Discount really means "Discount Points". One point is equal to 1% of the total loan amount. For example, one point on a $140,000.00 loan would be $1,400.00 - three points would be $4,200.00, and so on. Discount points are points charged by the lender for reducing the interest rate on your loan - also known as "buying down the loan".
Discount points started with FHA and VA loans and has become increasingly popular (and quite common) in conventional loans. It's a great way to save a lot of money in interest on your loan if you're planning on owning your property for a few years. This, of course, depends on how low you can buy down your loan's interest rate for the money the lender will charge.
If you know that you will be paying discount points and know how much this will cost, enter the amount in the field provided.
";
var help67 = "
Total Costs:
Total Costs: There is no need to enter anything in this field as the items above (items a through h) in this section have been automatically totaled for you.
";
var help68 = "
Subordinate Financing:
Subordinate Financing: Lien priority in real estate loans is determined by the date of recording. The first loan to be recorded is the first loan to be paid off in most cases, although sometimes the parties to a loan may desire that a later recorded loan be paid off before an earlier recorded loan. If this is the case, the first recorded loan must have a subordination clause or the earlier lender can sign a subordination agreement. A second loan using the same property for collateral or security to pay back the loan is called "subordinate financing".
If you are applying for a first and second mortgage on your property, or refinancing your first mortgage and applying for an original second mortgage at the same time, enter the amount of the second loan in the field provided.
";
var help69 = "
Borrower's Closing Costs Paid By Seller:
Borrower's Closing Costs Paid By Seller: If you are purchasing a property and some or all of your closing costs will be paid by the Seller of the property, enter the amount of these closing costs in the field provided.
These costs (if any) will have been agreed upon in your purchase agreement.
";
var help70 = "
Cash Deposit & Other Credits:
Cash Deposit Toward Purchase: If this is a purchase and you have paid a deposit on the property, and entered it in the "Amount of Deposit held for down payment" field in the "Assets" sectin of this application, the "Cash deposit toward purchase" field will already be filled in for you.
Other Credits (explain) Choose from the drop-down box the description of any other credits due you in this transaction. For instance, if the Seller is going to pay for items in this transaction other than closing costs, choose "Seller Credit" from the drop-down box provided. If none of the choices describe the credit, choose "Other" from the drop-down box.
In the field to the right of the select field, enter the total amount of the described item(s).
Loan Amount: Most often mortgage insurance and funding fees are financed in the loan so the Borrower can reduce his/her out-of-pocket expense. If you will have to pay mortgage insurance and it will be financed in the loan, enter the loan amount minus any mortgage insurance or funding fees that will be financed in the loan.
";
var help72 = "
PMI, MIP, Funding Fee Financed:
PMI, MIP, Funding Fee Financed: Enter any mortgage insurance or funding fees that will be financed in the loan. If there are no mortgage insurance or funding fee costs in your loan, leave the field blank.
";
var help73 = "
Total Loan Amount:
Total Loan Amount: This form has automatically calculated your total loan amount including any mortgage insurance and funding fees that will be financed in the loan and entered the amount in the field for you.
";
var help74 = "
Total Loan Amount:
Cash From/To Borrower: Based on the information input into this form, this automatically calculated total field should show the amount of money you will receive or have to pay when escrow closes on this transaction. If there is a minus sign (-) in this field before the number, this is an estimate of the amount you will need to bring to escrow in order for escrow to close. If the result is a positive number, you may be receiving this amount at closing.
";
var help75 = "
Declarations:
Declarations: The questions in this section are self explanatory and need to be answered by checking the appropriate box for the Borrower and Co-Borrower (if any).
If you answer "Yes" to any of the questions a through i in this section, please fill out the explanation of your "Yes" answer(s) in the text field in the next section.
";
var help76 = "
Government Information:
Government Information: The following information is requested by the Federal Government for certain types of loans related to a dwelling, in order to monitor the Lender's compliance with equal credit opportunity, fair housing and home mortgage disclosure laws.
You are not required to furnish this information, but are encouraged to do so. The law provides that the Lender may neither discriminate on the basis of this information, nor on whether you choose to furnish it. However, if you choose not to furnish it, under Federal regulations the lender is required to note race and sex on the basis of visual observation or surname.
If you do not wish to furnish the above information, please check the appropriate box in this section. (The Lender must review the above material to assure that the disclosures satisfy all requirements to which the Lender is subject under applicable state law for the particular type of loan applied for.)
";
var help999 = "
Government Loans:
Government loans consist of loans that are in some way guaranteed, insured or purchased by government owned corporations or organizations like The Federal Housing Administration (FHA) and The Government National Mortgage Association (GNMA) which both operate under the Department of Housing and Urban Development (HUD).
FHA:Federal Housing Administration: FHA's function is to insure loans. Lenders are insured against losses caused by defaults on FHA-insured loans. The FHA does not build homes or make loans.
GNMA:Ginnie Mae assists in the financing of urban renewal and housing projects by providing below-market rates to low income families. GNMA guarantees the payment of principal and interest on FHA and VA mortgages through its mortgage-backed securities program.
USDA/Rural Housing Service: This program enables eligible low- and moderate-income rural residents to acquire modestly priced housing for their own use as a primary residence.
";
var help998 = "
Conforming Loans:
Conforming loans can be resold in the secondary market due to the fact that they meet nationally accepted underwriting criteria established by national secondary market investors, primarily Fannie Mae (FNMA) and Freddie Mac (FHLMC). This criteria includes down payment amounts, maximum loan amounts, property specifications, borrower income requirements and credit guidelines. If the loan you're applying for is within the loan limits below, your credit is good, your property is 1 - 4 units and you meet income requirements, you probably are applying for a Conforming Loan. Select \"Conventional\"<\strong> on the form.
Conforming loan limits change periodically so you should check to see what the conforming loan limits are in your area by contacting your broker. Conforming loan limits are set for single family homes, up to four family homes. For five or more residential dwellings, see Commercial Loans.
";
var help997 = "
Non-Conforming Loans:
Non-conforming loans are loans that do not conform to the guidelines set forth by Fannie Mae or Freddie Mac. Non-conforming Loans consist of Jumbo loans (exceeding the conforming loan limit), inadequate credit history or derogatory credit, not enough income, home equity or home improvement loans, credit lines, and second mortgages to name a few.
If the loan you're applying for a has some of the above charistics, you're probably applying for a Non-Conforming Loan. A Non-Conforming Loan can also be a Conventional loan. If you're uncertain what to enter, you may leave the field blank.
";
var help996 = "
Commercial Loans:
Commercial loans are generally made by commercial banks who normally supply capital for business ventures and construction activities on a comparatively short-term basis. Although in recent years, large commercial banks have increased their participation in home mortgage lending. They usually make loans on residential properties with five or more units (apartment complexes, warehouses, office buildings, etc.).
If you are applying for a commercial loan, select \"Other\" on the form.
If your home is 1 - 4 units, you are not applying for a government loan, and your qualifications meet Fannie Mae guidelines, select \"Conventional\" on the form.
";
var help995 = "
Conventional Loans:
Conventional loans are loans that are not insured or guaranteed by a government agency (see FHA and VA for information on government loans). They can be conforming or non-conforming loans.
Most of the conventional loans that have been made in the last several years have three basic attributes in common: 1) They have been for long terms, 2) They have been loans with fixed interest rates, and 3) they have been fully amortized (see Fixed Rate Loans).
";
var help994 = "
Conventional Loans:
A long-term, fixed-rate real estate loan is repaid over a 15 to 30 year term at an unchanging monthly payment and interest rate. Before the late 1970's, the majority of all real estate loans involved long-term, fixed-rate repayment plans. A fixed-rate loan having a 6% interest will yield a 6% return throughout its term (up to 30 years) regardless of what happens to the cost of money during those 30 years.
A long-term fully amortized loan has distinct advantages for the borrower. The equal payments are spread out over a long period of time keeping the payments manageable and there is no balloon payment required at the end of the loan term. This type of loan is the most popular with borrowers mostly because this is the type of loan program that they are most familiar with.
Advantages of a 15-year Fixed Rate Loan:The 15-year, fixed-rate loan is becoming increasingly more popular every year. They often have a lower interest rate, ownership in half the time of a 30-year fixed loan, and fantastic savings over the life of the loan.
Disadvantages of a 15-year Fixed Rate Loan:The two major disadvantages of a 15-year fixed-rate loan are larger monthly payments, and smaller tax deductions.
Generally, a 15 or 30-year fixed-rate fully amortized loan is what most homeowners shoot for until the rates rise to around 8%-9%. At this point the advantages dim in the light of other popular programs such as 2 to 1 buydowns, and Adjustable Rate Mortgages (ARM's).
";
var help992 = "
Adjustable-Rate Mortgage (ARM):
Possibly one of the most popular, yet misunderstood forms of alternate financing is the adjustable-rate mortgage. Usually referred to as an ARM, its popularity with borrowers is due to a lower interest rate than a fixed-rate loan. It is popular with the lenders because the ARM shifts the risk of interest rate fluctuations to the borrower.
Although borrowers would rather have the security of a fixed-rate loan provided the rate is not too high, the ARM has maintained its popularity in the market despite competitively priced mortgage loan rates.
An ARM is a loan that allows the lender to adjust the interest rate so it reflects fluctuations in the cost of money more accurately. However, with an ARM, the borrower is the one who is affected by interest rate movements, not the lender. If interest rates rise, the borrowers payments also go up - if the rates fall, the borrowers monthly payments will drop along with the declining rates.
The borrower's interest rate is determined by the cost of money at the time the loan is made. The interest rate is tied to a recognized index your lender is currently using for the loan. Your future interest adjustments are then based on the upward or downward movements of this index. Some examples of an index would be the monthly average yield on three year treasury securities, or the national average mortgage contract rate for purchases on previously occupied homes. The rise and fall of your payments will fluctuate with the index preferred by the lender for this loan program when your loan was made.
To insure that the expenses of administration and profit are included in the payments to the lender, it is necessary for the lender to add a margin to the index. Margins range from 2% to 4% and are added to the index to come up with the interest rate you pay (margin + index = interest rate). It's the fluctuation of the index rate that causes the borrowers interest rate to increase or decrease.
";
var help990 = "
Loan-To-Value Ratios (LTV):
Loan-to-value (LTV)refers to the maximum amount of money a lender is willing to lend on your property in relation to its value.
Most lenders base the maximum loan amounts on the appraised value or sales price of the home, which ever is less. The main reason for this is because the property is the collateral for the loan. For example, let's say that the property you're buying has a sales price of $140,000 but the appraised value is $175,000. If the lenders maximum LTV is 80%, then the maximum loan amount would be $112,000 based on the lower of the two values. If the lender were to loan based on the appraised value in this case, the 80% LTV would result in a loan that was the same as the sale price of the property ($140,000). This would be unacceptable for conventional lenders.
";
var help989 = "
Graduated Payment Mortgage (GPM):
A Graduated Payment mortgage is a loan in which the monthly payments increase by a certain percentage each year for a predetermined number of years and are then fixed for the remaining loan term. For example, your payment for the first year of your loan might be $600.00 per month for one year. The monthly payments for your second year would increase 7% to 13% over your last years payment depending on your loan program. If your increase was 9% over last year's payment your new monthly payments would now be $654.00 for the second year. This graduation in payment may increase each year for five years at which time your remaining payments would be fixed for the balance of your loan term (in this case $846.95 per month if the increase remained at 9% for five years).
"; //Graduated Payment Mortgage
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function onCheckboxImprove() {
var the_box = document.smartform.improve_to_be_made;
if (the_box.checked == true) {
document.smartform.improve_made.checked = false;
}
}
function offCheckboxEstate() {
var the_box = document.smartform.fee_simple;
if (the_box.checked == true) {
document.smartform.leasehold.checked = false;
}
}
function onCheckboxEstate() {
var the_box = document.smartform.leasehold;
if (the_box.checked == true) {
document.smartform.fee_simple.checked = false;
}
}
function offCheckboxOwn1() {
var the_box = document.smartform.b_own_home;
if (the_box.checked == true) {
document.smartform.b_rent_home.checked = false;
}
}
function onCheckboxOwn1() {
var the_box = document.smartform.b_rent_home;
if (the_box.checked == true) {
document.smartform.b_own_home.checked = false;
}
}
function offCheckboxOwn2() {
var the_box = document.smartform.b_former_own;
if (the_box.checked == true) {
document.smartform.b_former_rent.checked = false;
}
}
function onCheckboxOwn2() {
var the_box = document.smartform.b_former_rent;
if (the_box.checked == true) {
document.smartform.b_former_own.checked = false;
}
}
function offCheckboxOwn3() {
var the_box = document.smartform.b_2former_own;
if (the_box.checked == true) {
document.smartform.b_2former_rent.checked = false;
}
}
function onCheckboxOwn3() {
var the_box = document.smartform.b_2former_rent;
if (the_box.checked == true) {
document.smartform.b_2former_own.checked = false;
}
}
function offCheckboxCBOwn1() {
var the_box = document.smartform.cb_own_home;
if (the_box.checked == true) {
document.smartform.cb_rent_home.checked = false;
}
}
function onCheckboxCBOwn1() {
var the_box = document.smartform.cb_rent_home;
if (the_box.checked == true) {
document.smartform.cb_own_home.checked = false;
}
}
function offCheckboxCBOwn2() {
var the_box = document.smartform.cb_former_own;
if (the_box.checked == true) {
document.smartform.cb_former_rent.checked = false;
}
}
function onCheckboxCBOwn2() {
var the_box = document.smartform.cb_former_rent;
if (the_box.checked == true) {
document.smartform.cb_former_own.checked = false;
}
}
function offCheckboxCBOwn3() {
var the_box = document.smartform.cb_2former_own;
if (the_box.checked == true) {
document.smartform.cb_2former_rent.checked = false;
}
}
function onCheckboxCBOwn3() {
var the_box = document.smartform.cb_2former_rent;
if (the_box.checked == true) {
document.smartform.cb_2former_own.checked = false;
}
}
function offCheckbox() {
var the_box = document.smartform.add_res_record1;
if (the_box.checked == true) {
document.smartform.add_res_record1no.checked = false;
}
}
function onCheckbox() {
var the_box = document.smartform.add_res_record1no;
if (the_box.checked == true) {
document.smartform.add_res_record1.checked = false;
}
}
function offCheckbox2() {
var the_box = document.smartform.add_res_record2;
if (the_box.checked == true) {
document.smartform.add_res_record2no.checked = false;
}
}
function onCheckbox2() {
var the_box = document.smartform.add_res_record2no;
if (the_box.checked == true) {
document.smartform.add_res_record2.checked = false;
}
}
function offCheckboxCBres1() {
var the_box = document.smartform.add_cbres_record1;
if (the_box.checked == true) {
document.smartform.add_cbres_record1no.checked = false;
}
}
function onCheckboxCBres1() {
var the_box = document.smartform.add_cbres_record1no;
if (the_box.checked == true) {
document.smartform.add_cbres_record1.checked = false;
}
}
function offCheckboxCBres2() {
var the_box = document.smartform.add_cbres_record2;
if (the_box.checked == true) {
document.smartform.add_cbres_record2no.checked = false;
}
}
function onCheckboxCBres2() {
var the_box = document.smartform.add_cbres_record2no;
if (the_box.checked == true) {
document.smartform.add_cbres_record2.checked = false;
}
}
function offCheckboxEmploy1() {
var the_box = document.smartform.add_employed_record1;
if (the_box.checked == true) {
document.smartform.add_employed_record1no.checked = false;
}
}
function onCheckboxEmploy1() {
var the_box = document.smartform.add_employed_record1no;
if (the_box.checked == true) {
document.smartform.add_employed_record1.checked = false;
}
}
function offCheckboxEmploy2() {
var the_box = document.smartform.add_employed_record2;
if (the_box.checked == true) {
document.smartform.add_employed_record2no.checked = false;
}
}
function onCheckboxEmploy2() {
var the_box = document.smartform.add_employed_record2no;
if (the_box.checked == true) {
document.smartform.add_employed_record2.checked = false;
}
}
function offCheckboxProp1() {
var the_box = document.smartform.add_prop_record1;
if (the_box.checked == true) {
document.smartform.add_prop_record1no.checked = false;
}
}
function onCheckboxProp1() {
var the_box = document.smartform.add_prop_record1no;
if (the_box.checked == true) {
document.smartform.add_prop_record1.checked = false;
}
}
function offCheckboxProp2() {
var the_box = document.smartform.add_prop_record2;
if (the_box.checked == true) {
document.smartform.add_prop_record2no.checked = false;
}
}
function onCheckboxProp2() {
var the_box = document.smartform.add_prop_record2no;
if (the_box.checked == true) {
document.smartform.add_prop_record2.checked = false;
}
}
function offCheckboxBank1() {
var the_box = document.smartform.add_bank_record1;
if (the_box.checked == true) {
document.smartform.add_bank_record1no.checked = false;
}
}
function onCheckboxBank1() {
var the_box = document.smartform.add_bank_record1no;
if (the_box.checked == true) {
document.smartform.add_bank_record1.checked = false;
}
}
function offCheckboxBank2() {
var the_box = document.smartform.add_bank_record2;
if (the_box.checked == true) {
document.smartform.add_bank_record2no.checked = false;
}
}
function onCheckboxBank2() {
var the_box = document.smartform.add_bank_record2no;
if (the_box.checked == true) {
document.smartform.add_bank_record2.checked = false;
}
}
function offCheckboxBank3() {
var the_box = document.smartform.add_bank_record3;
if (the_box.checked == true) {
document.smartform.add_bank_record3no.checked = false;
}
}
function onCheckboxBank3() {
var the_box = document.smartform.add_bank_record3no;
if (the_box.checked == true) {
document.smartform.add_bank_record3.checked = false;
}
}
function offCheckboxLiab1() {
var the_box = document.smartform.add_liab_record1;
if (the_box.checked == true) {
document.smartform.add_liab_record1no.checked = false;
}
}
function onCheckboxLiab1() {
var the_box = document.smartform.add_liab_record1no;
if (the_box.checked == true) {
document.smartform.add_liab_record1.checked = false;
}
}
function offCheckboxLiab2() {
var the_box = document.smartform.add_liab_record2;
if (the_box.checked == true) {
document.smartform.add_liab_record2no.checked = false;
}
}
function onCheckboxLiab2() {
var the_box = document.smartform.add_liab_record2no;
if (the_box.checked == true) {
document.smartform.add_liab_record2.checked = false;
}
}
function offCheckboxLiab3() {
var the_box = document.smartform.add_liab_record3;
if (the_box.checked == true) {
document.smartform.add_liab_record3no.checked = false;
}
}
function onCheckboxLiab3() {
var the_box = document.smartform.add_liab_record3no;
if (the_box.checked == true) {
document.smartform.add_liab_record3.checked = false;
}
}
function offCheckboxLiab4() {
var the_box = document.smartform.add_liab_record4;
if (the_box.checked == true) {
document.smartform.add_liab_record4no.checked = false;
}
}
function onCheckboxLiab4() {
var the_box = document.smartform.add_liab_record4no;
if (the_box.checked == true) {
document.smartform.add_liab_record4.checked = false;
}
}
function offCheckboxLiab5() {
var the_box = document.smartform.add_liab_record5;
if (the_box.checked == true) {
document.smartform.add_liab_record5no.checked = false;
}
}
function onCheckboxLiab5() {
var the_box = document.smartform.add_liab_record5no;
if (the_box.checked == true) {
document.smartform.add_liab_record5.checked = false;
}
}
function offCheckboxLiab6() {
var the_box = document.smartform.add_liab_record6;
if (the_box.checked == true) {
document.smartform.add_liab_record6no.checked = false;
}
}
function onCheckboxLiab6() {
var the_box = document.smartform.add_liab_record6no;
if (the_box.checked == true) {
document.smartform.add_liab_record6.checked = false;
}
}
function offCheckboxB1() {
var the_box = document.smartform.b_self_employed;
if (the_box.checked == true) {
document.smartform.b_not_self_employed.checked = false;
}
}
function onCheckboxB1() {
var the_box = document.smartform.b_not_self_employed;
if (the_box.checked == true) {
document.smartform.b_self_employed.checked = false;
}
}
function offCheckboxCB1() {
var the_box = document.smartform.cb_self_employed;
if (the_box.checked == true) {
document.smartform.cb_not_self_employed.checked = false;
}
}
function onCheckboxCB1() {
var the_box = document.smartform.cb_not_self_employed;
if (the_box.checked == true) {
document.smartform.cb_self_employed.checked = false;
}
}
function offCheckboxB2() {
var the_box = document.smartform.b_self_employer2;
if (the_box.checked == true) {
document.smartform.b_other_not_self_employed.checked = false;
}
}
function onCheckboxB2() {
var the_box = document.smartform.b_other_not_self_employed;
if (the_box.checked == true) {
document.smartform.b_self_employer2.checked = false;
}
}
function offCheckboxCB2() {
var the_box = document.smartform.cb_self_employer2;
if (the_box.checked == true) {
document.smartform.cb_other_not_self_employed.checked = false;
}
}
function onCheckboxCB2() {
var the_box = document.smartform.cb_other_not_self_employed;
if (the_box.checked == true) {
document.smartform.cb_self_employer2.checked = false;
}
}
function offCheckboxB3() {
var the_box = document.smartform.b_self_employer3;
if (the_box.checked == true) {
document.smartform.b_other_not_self_employed3.checked = false;
}
}
function onCheckboxB3() {
var the_box = document.smartform.b_other_not_self_employed3;
if (the_box.checked == true) {
document.smartform.b_self_employer3.checked = false;
}
}
function offCheckboxCB3() {
var the_box = document.smartform.cb_self_employer3;
if (the_box.checked == true) {
document.smartform.cb_other_not_self_employed3.checked = false;
}
}
function onCheckboxCB3() {
var the_box = document.smartform.cb_other_not_self_employed3;
if (the_box.checked == true) {
document.smartform.cb_self_employer3.checked = false;
}
}
function offCheckboxOINB1() {
var the_box = document.smartform.b_explain_one;
if (the_box.checked == true) {
document.smartform.cb_explain_one.checked = false;
}
}
function onCheckboxOINB1() {
var the_box = document.smartform.cb_explain_one;
if (the_box.checked == true) {
document.smartform.b_explain_one.checked = false;
}
}
function offCheckboxOINB2() {
var the_box = document.smartform.b_explain_two;
if (the_box.checked == true) {
document.smartform.cb_explain_two.checked = false;
}
}
function onCheckboxOINB2() {
var the_box = document.smartform.cb_explain_two;
if (the_box.checked == true) {
document.smartform.b_explain_two.checked = false;
}
}
function offCheckboxOINB3() {
var the_box = document.smartform.b_explain_three;
if (the_box.checked == true) {
document.smartform.cb_explain_three.checked = false;
}
}
function onCheckboxOINB3() {
var the_box = document.smartform.cb_explain_three;
if (the_box.checked == true) {
document.smartform.b_explain_three.checked = false;
}
}
function offCheckboxOINB4() {
var the_box = document.smartform.b_explain_four;
if (the_box.checked == true) {
document.smartform.cb_explain_four.checked = false;
}
}
function onCheckboxOINB4() {
var the_box = document.smartform.cb_explain_four;
if (the_box.checked == true) {
document.smartform.b_explain_four.checked = false;
}
}
function offCheckboxJoint() {
var the_box = document.smartform.statement_completed_jointly;
if (the_box.checked == true) {
document.smartform.statement_completed_not_jointly.checked = false;
}
}
function onCheckboxJoint() {
var the_box = document.smartform.statement_completed_not_jointly;
if (the_box.checked == true) {
document.smartform.statement_completed_jointly.checked = false;
}
}
function offCheckboxBA() {
var the_box = document.smartform.ba_yes;
if (the_box.checked == true) {
document.smartform.ba_no.checked = false;
}
}
function onCheckboxBA() {
var the_box = document.smartform.ba_no;
if (the_box.checked == true) {
document.smartform.ba_yes.checked = false;
}
}
function offCheckboxCBA() {
var the_box = document.smartform.cba_yes;
if (the_box.checked == true) {
document.smartform.cba_no.checked = false;
}
}
function onCheckboxCBA() {
var the_box = document.smartform.cba_no;
if (the_box.checked == true) {
document.smartform.cba_yes.checked = false;
}
}
function offCheckboxBB() {
var the_box = document.smartform.bb_yes;
if (the_box.checked == true) {
document.smartform.bb_no.checked = false;
}
}
function onCheckboxBB() {
var the_box = document.smartform.bb_no;
if (the_box.checked == true) {
document.smartform.bb_yes.checked = false;
}
}
function offCheckboxCBB() {
var the_box = document.smartform.cbb_yes;
if (the_box.checked == true) {
document.smartform.cbb_no.checked = false;
}
}
function onCheckboxCBB() {
var the_box = document.smartform.cbb_no;
if (the_box.checked == true) {
document.smartform.cbb_yes.checked = false;
}
}
function offCheckboxBC() {
var the_box = document.smartform.bc_yes;
if (the_box.checked == true) {
document.smartform.bc_no.checked = false;
}
}
function onCheckboxBC() {
var the_box = document.smartform.bc_no;
if (the_box.checked == true) {
document.smartform.bc_yes.checked = false;
}
}
function offCheckboxCBC() {
var the_box = document.smartform.cbc_yes;
if (the_box.checked == true) {
document.smartform.cbc_no.checked = false;
}
}
function onCheckboxCBC() {
var the_box = document.smartform.cbc_no;
if (the_box.checked == true) {
document.smartform.cbc_yes.checked = false;
}
}
function offCheckboxBD() {
var the_box = document.smartform.bd_yes;
if (the_box.checked == true) {
document.smartform.bd_no.checked = false;
}
}
function onCheckboxBD() {
var the_box = document.smartform.bd_no;
if (the_box.checked == true) {
document.smartform.bd_yes.checked = false;
}
}
function offCheckboxCBD() {
var the_box = document.smartform.cbd_yes;
if (the_box.checked == true) {
document.smartform.cbd_no.checked = false;
}
}
function onCheckboxCBD() {
var the_box = document.smartform.cbd_no;
if (the_box.checked == true) {
document.smartform.cbd_yes.checked = false;
}
}
function offCheckboxBE() {
var the_box = document.smartform.be_yes;
if (the_box.checked == true) {
document.smartform.be_no.checked = false;
}
}
function onCheckboxBE() {
var the_box = document.smartform.be_no;
if (the_box.checked == true) {
document.smartform.be_yes.checked = false;
}
}
function offCheckboxCBE() {
var the_box = document.smartform.cbe_yes;
if (the_box.checked == true) {
document.smartform.cbe_no.checked = false;
}
}
function onCheckboxCBE() {
var the_box = document.smartform.cbe_no;
if (the_box.checked == true) {
document.smartform.cbe_yes.checked = false;
}
}
function offCheckboxBF() {
var the_box = document.smartform.bf_yes;
if (the_box.checked == true) {
document.smartform.bf_no.checked = false;
}
}
function onCheckboxBF() {
var the_box = document.smartform.bf_no;
if (the_box.checked == true) {
document.smartform.bf_yes.checked = false;
}
}
function offCheckboxCBF() {
var the_box = document.smartform.cbf_yes;
if (the_box.checked == true) {
document.smartform.cbf_no.checked = false;
}
}
function onCheckboxCBF() {
var the_box = document.smartform.cbf_no;
if (the_box.checked == true) {
document.smartform.cbf_yes.checked = false;
}
}
function offCheckboxBG() {
var the_box = document.smartform.bg_yes;
if (the_box.checked == true) {
document.smartform.bg_no.checked = false;
}
}
function onCheckboxBG() {
var the_box = document.smartform.bg_no;
if (the_box.checked == true) {
document.smartform.bg_yes.checked = false;
}
}
function offCheckboxCBG() {
var the_box = document.smartform.cbg_yes;
if (the_box.checked == true) {
document.smartform.cbg_no.checked = false;
}
}
function onCheckboxCBG() {
var the_box = document.smartform.cbg_no;
if (the_box.checked == true) {
document.smartform.cbg_yes.checked = false;
}
}
function offCheckboxBH() {
var the_box = document.smartform.bh_yes;
if (the_box.checked == true) {
document.smartform.bh_no.checked = false;
}
}
function onCheckboxBH() {
var the_box = document.smartform.bh_no;
if (the_box.checked == true) {
document.smartform.bh_yes.checked = false;
}
}
function offCheckboxCBH() {
var the_box = document.smartform.cbh_yes;
if (the_box.checked == true) {
document.smartform.cbh_no.checked = false;
}
}
function onCheckboxCBH() {
var the_box = document.smartform.cbh_no;
if (the_box.checked == true) {
document.smartform.cbh_yes.checked = false;
}
}
function offCheckboxBI() {
var the_box = document.smartform.bi_yes;
if (the_box.checked == true) {
document.smartform.bi_no.checked = false;
}
}
function onCheckboxBI() {
var the_box = document.smartform.bi_no;
if (the_box.checked == true) {
document.smartform.bi_yes.checked = false;
}
}
function offCheckboxCBI() {
var the_box = document.smartform.cbi_yes;
if (the_box.checked == true) {
document.smartform.cbi_no.checked = false;
}
}
function onCheckboxCBI() {
var the_box = document.smartform.cbi_no;
if (the_box.checked == true) {
document.smartform.cbi_yes.checked = false;
}
}
function offCheckboxBJ() {
var the_box = document.smartform.bj_yes;
if (the_box.checked == true) {
document.smartform.bj_no.checked = false;
}
}
function onCheckboxBJ() {
var the_box = document.smartform.bj_no;
if (the_box.checked == true) {
document.smartform.bj_yes.checked = false;
}
}
function offCheckboxCBJ() {
var the_box = document.smartform.cbj_yes;
if (the_box.checked == true) {
document.smartform.cbj_no.checked = false;
}
}
function onCheckboxCBJ() {
var the_box = document.smartform.cbj_no;
if (the_box.checked == true) {
document.smartform.cbj_yes.checked = false;
}
}
function offCheckboxBK() {
var the_box = document.smartform.bk_yes;
if (the_box.checked == true) {
document.smartform.bk_no.checked = false;
}
}
function onCheckboxBK() {
var the_box = document.smartform.bk_no;
if (the_box.checked == true) {
document.smartform.bk_yes.checked = false;
}
}
function offCheckboxCBK() {
var the_box = document.smartform.cbk_yes;
if (the_box.checked == true) {
document.smartform.cbk_no.checked = false;
}
}
function onCheckboxCBK() {
var the_box = document.smartform.cbk_no;
if (the_box.checked == true) {
document.smartform.cbk_yes.checked = false;
}
}
function offCheckboxBL() {
var the_box = document.smartform.bl_yes;
if (the_box.checked == true) {
document.smartform.bl_no.checked = false;
}
}
function onCheckboxBL() {
var the_box = document.smartform.bl_no;
if (the_box.checked == true) {
document.smartform.bl_yes.checked = false;
}
}
function offCheckboxCBL() {
var the_box = document.smartform.cbl_yes;
if (the_box.checked == true) {
document.smartform.cbl_no.checked = false;
}
}
function onCheckboxCBL() {
var the_box = document.smartform.cbl_no;
if (the_box.checked == true) {
document.smartform.cbl_yes.checked = false;
}
}
function offCheckboxBM() {
var the_box = document.smartform.bm_yes;
if (the_box.checked == true) {
document.smartform.bm_no.checked = false;
}
}
function onCheckboxBM() {
var the_box = document.smartform.bm_no;
if (the_box.checked == true) {
document.smartform.bm_yes.checked = false;
}
}
function offCheckboxCBM() {
var the_box = document.smartform.cbm_yes;
if (the_box.checked == true) {
document.smartform.cbm_no.checked = false;
}
}
function onCheckboxCBM() {
var the_box = document.smartform.cbm_no;
if (the_box.checked == true) {
document.smartform.cbm_yes.checked = false;
}
}
function offCheckboxBHISP() {
var the_box = document.smartform.b_hisp;
if (the_box.checked == true) {
document.smartform.b_not_hisp.checked = false;
}
}
function onCheckboxBHISP() {
var the_box = document.smartform.b_not_hisp;
if (the_box.checked == true) {
document.smartform.b_hisp.checked = false;
}
}
function offCheckboxCBHISP() {
var the_box = document.smartform.cb_hisp;
if (the_box.checked == true) {
document.smartform.cb_not_hisp.checked = false;
}
}
function onCheckboxCBHISP() {
var the_box = document.smartform.cb_not_hisp;
if (the_box.checked == true) {
document.smartform.cb_hisp.checked = false;
}
}
function offCheckboxBSEX() {
var the_box = document.smartform.b_male;
if (the_box.checked == true) {
document.smartform.b_female.checked = false;
}
}
function onCheckboxBSEX() {
var the_box = document.smartform.b_female;
if (the_box.checked == true) {
document.smartform.b_male.checked = false;
}
}
function offCheckboxCBSEX() {
var the_box = document.smartform.cb_male;
if (the_box.checked == true) {
document.smartform.cb_female.checked = false;
}
}
function onCheckboxCBSEX() {
var the_box = document.smartform.cb_female;
if (the_box.checked == true) {
document.smartform.cb_male.checked = false;
}
}
// Check browser version
var isNav4 = false, isNav5 = false, isIE4 = false
var strSeperator = "/";
// If you are using any Java validation on the back side you will want to use the / because
// Java date validations do not recognize the dash as a valid date separator.
var vDateType = 3; // Global value for type of date format
// 1 = mm/dd/yyyy
// 2 = yyyy/dd/mm (Unable to do date check at this time)
// 3 = dd/mm/yyyy
var vYearType = 4; //Set to 2 or 4 for number of digits in the year for Netscape
var vYearLength = 2; // Set to 4 if you want to force the user to enter 4 digits for the year before validating.
var err = 0; // Set the error code to a default of zero
if (navigator.appName == "Netscape") {
if (navigator.appVersion < "5") {
isNav4 = true;
isNav5 = false;
}
else
if (navigator.appVersion > "4") {
isNav4 = false;
isNav5 = true;
}
}
else {
isIE4 = true;
}
function DateFormat(vDateName, vDateValue, e, dateCheck, dateType) {
vDateType = dateType;
mDateValue = vDateValue;
// vDateName = object name
// vDateValue = value in the field being checked
// e = event
// dateCheck
// True = Verify that the vDateValue is a valid date
// False = Format values being entered into vDateValue only
// vDateType
// 1 = mm/dd/yyyy
// 2 = yyyy/mm/dd
// 3 = dd/mm/yyyy
//Enter a tilde sign for the first number and you can check the variable information.
if (vDateValue == "~") {
alert("AppVersion = " + navigator.appVersion + " \nNav. 4 Version = " + isNav4 + " \nNav. 5 Version = " + isNav5 + " \nIE Version = " + isIE4 + " \nYear Type = " + vYearType + " \nDate Type = " + vDateType + " \nSeparator = " + strSeperator);
vDateName.value = "";
vDateName.focus();
return true;
}
var whichCode = (window.Event) ? e.which : e.keyCode;
// Check to see if a seperator is already present.
// bypass the date if a seperator is present and the length greater than 8
if (vDateValue.length > 8 && isNav4) {
if ((vDateValue.indexOf("-") >= 1) || (vDateValue.indexOf("/") >= 1))
return true;
}
//Eliminate all the ASCII codes that are not valid
var alphaCheck = " abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ/-";
if (alphaCheck.indexOf(vDateValue.charAt(vDateValue.length - 1)) >= 1) {
if (isNav4) {
vDateName.value = "";
vDateName.focus();
vDateName.select();
return false;
}
else {
vDateName.value = vDateName.value.substr(0, (vDateValue.length - 1));
return false;
}
}
if (whichCode == 8) //Ignore the Netscape value for backspace. IE has no value
return false;
else {
//Create numeric string values for 0123456789/
//The codes provided include both keyboard and keypad values
var strCheck = 'undefined,0,47,48,49,50,51,52,53,54,55,56,57,58,59,65,95,96,97,98,99,100,101,102,103,104,105';
if (strCheck.indexOf(whichCode) != -1) {
if (isNav4) {
if (((vDateValue.length < 6 && dateCheck) || (vDateValue.length == 7 && dateCheck)) && (vDateValue.length >= 1)) {
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateName.value = "";
vDateName.focus();
vDateName.select();
return false;
}
if (vDateValue.length == 6 && dateCheck) {
var mDay = vDateName.value.substr(2, 2);
var mMonth = vDateName.value.substr(0, 2);
var mYear = vDateName.value.substr(4, 4)
//Turn a two digit year into a 4 digit year
if (mYear.length == 2 && vYearType == 4) {
var mToday = new Date();
//If the year is greater than 30 years from now use 19, otherwise use 20
var checkYear = mToday.getFullYear() + 30;
var mCheckYear = '20' + mYear;
if (mCheckYear >= checkYear)
mYear = '19' + mYear;
else
mYear = '20' + mYear;
}
var vDateValueCheck = mMonth + strSeperator + mDay + strSeperator + mYear;
if (!dateValid(vDateValueCheck)) {
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateName.value = "";
vDateName.focus();
vDateName.select();
return false;
}
vDateName.value = vDateValueCheck;
return true;
}
else {
// Reformat the date for validation and set date type to a 1
if (vDateValue.length >= 8 && dateCheck) {
if (vDateType == 1) // mmddyyyy
{
var mDay = vDateName.value.substr(2, 2);
var mMonth = vDateName.value.substr(0, 2);
var mYear = vDateName.value.substr(4, 4)
vDateName.value = mMonth + strSeperator + mDay + strSeperator + mYear;
}
if (vDateType == 2) // yyyymmdd
{
var mYear = vDateName.value.substr(0, 4)
var mMonth = vDateName.value.substr(4, 2);
var mDay = vDateName.value.substr(6, 2);
vDateName.value = mYear + strSeperator + mMonth + strSeperator + mDay;
}
if (vDateType == 3) // ddmmyyyy
{
var mMonth = vDateName.value.substr(2, 2);
var mDay = vDateName.value.substr(0, 2);
var mYear = vDateName.value.substr(4, 4)
vDateName.value = mDay + strSeperator + mMonth + strSeperator + mYear;
}
//Create a temporary variable for storing the DateType and change
//the DateType to a 1 for validation.
var vDateTypeTemp = vDateType;
vDateType = 1;
var vDateValueCheck = mMonth + strSeperator + mDay + strSeperator + mYear;
if (!dateValid(vDateValueCheck)) {
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateType = vDateTypeTemp;
vDateName.value = "";
vDateName.focus();
vDateName.select();
return false;
}
vDateType = vDateTypeTemp;
return true;
}
else {
if (((vDateValue.length < 8 && dateCheck) || (vDateValue.length == 9 && dateCheck)) && (vDateValue.length >= 1)) {
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateName.value = "";
vDateName.focus();
vDateName.select();
return false;
}
}
}
}
else {
// Non isNav Check
if (((vDateValue.length < 8 && dateCheck) || (vDateValue.length == 9 && dateCheck)) && (vDateValue.length >= 1)) {
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateName.value = "";
vDateName.focus();
return true;
}
// Reformat date to format that can be validated. mm/dd/yyyy
if (vDateValue.length >= 8 && dateCheck) {
// Additional date formats can be entered here and parsed out to
// a valid date format that the validation routine will recognize.
if (vDateType == 1) // mm/dd/yyyy
{
var mMonth = vDateName.value.substr(0, 2);
var mDay = vDateName.value.substr(3, 2);
var mYear = vDateName.value.substr(6, 4)
}
if (vDateType == 2) // yyyy/mm/dd
{
var mYear = vDateName.value.substr(0, 4)
var mMonth = vDateName.value.substr(5, 2);
var mDay = vDateName.value.substr(8, 2);
}
if (vDateType == 3) // dd/mm/yyyy
{
var mDay = vDateName.value.substr(0, 2);
var mMonth = vDateName.value.substr(3, 2);
var mYear = vDateName.value.substr(6, 4)
}
if (vYearLength == 4) {
if (mYear.length < 4) {
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateName.value = "";
vDateName.focus();
return true;
}
}
// Create temp. variable for storing the current vDateType
var vDateTypeTemp = vDateType;
// Change vDateType to a 1 for standard date format for validation
// Type will be changed back when validation is completed.
vDateType = 1;
// Store reformatted date to new variable for validation.
var vDateValueCheck = mMonth + strSeperator + mDay + strSeperator + mYear;
if (mYear.length == 2 && vYearType == 4 && dateCheck) {
//Turn a two digit year into a 4 digit year
var mToday = new Date();
//If the year is greater than 30 years from now use 19, otherwise use 20
var checkYear = mToday.getFullYear() + 30;
var mCheckYear = '20' + mYear;
if (mCheckYear >= checkYear)
mYear = '19' + mYear;
else
mYear = '20' + mYear;
vDateValueCheck = mMonth + strSeperator + mDay + strSeperator + mYear;
// Store the new value back to the field. This function will
// not work with date type of 2 since the year is entered first.
if (vDateTypeTemp == 1) // mm/dd/yyyy
vDateName.value = mMonth + strSeperator + mDay + strSeperator + mYear;
if (vDateTypeTemp == 3) // dd/mm/yyyy
vDateName.value = mDay + strSeperator + mMonth + strSeperator + mYear;
}
if (!dateValid(vDateValueCheck)) {
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateType = vDateTypeTemp;
vDateName.value = "";
vDateName.focus();
return true;
}
vDateType = vDateTypeTemp;
return true;
}
else {
if (vDateType == 1) {
if (vDateValue.length == 2) {
vDateName.value = vDateValue + strSeperator;
}
if (vDateValue.length == 5) {
vDateName.value = vDateValue + strSeperator;
}
}
if (vDateType == 2) {
if (vDateValue.length == 4) {
vDateName.value = vDateValue + strSeperator;
}
if (vDateValue.length == 7) {
vDateName.value = vDateValue + strSeperator;
}
}
if (vDateType == 3) {
if (vDateValue.length == 2) {
vDateName.value = vDateValue + strSeperator;
}
if (vDateValue.length == 5) {
vDateName.value = vDateValue + strSeperator;
}
}
return true;
}
}
if (vDateValue.length == 10 && dateCheck) {
if (!dateValid(vDateName)) {
// Un-comment the next line of code for debugging the dateValid() function error messages
// alert(err);
alert("Invalid Date!\nPlease check to see if the date is correct.\nPlease go back and re-enter\nthe date in the following format:\n mm/dd/yyyy");
vDateName.focus();
vDateName.select();
}
}
return false;
}
else {
// If the value is not in the string return the string minus the last
// key entered.
if (isNav4) {
vDateName.value = "";
vDateName.focus();
vDateName.select();
return false;
}
else {
if (whichCode != 16) {
vDateName.value = vDateName.value.substr(0, (vDateValue.length - 1));
}
return false;
}
}
}
}
function dateValid(objName) {
var strDate;
var strDateArray;
var strDay;
var strMonth;
var strYear;
var intday;
var intMonth;
var intYear;
var booFound = false;
var datefield = objName;
var strSeparatorArray = new Array("-", " ", "/", ".");
var intElementNr;
// var err = 0;
var strMonthArray = new Array(12);
strMonthArray[0] = "Jan";
strMonthArray[1] = "Feb";
strMonthArray[2] = "Mar";
strMonthArray[3] = "Apr";
strMonthArray[4] = "May";
strMonthArray[5] = "Jun";
strMonthArray[6] = "Jul";
strMonthArray[7] = "Aug";
strMonthArray[8] = "Sep";
strMonthArray[9] = "Oct";
strMonthArray[10] = "Nov";
strMonthArray[11] = "Dec";
//strDate = datefield.value;
strDate = objName;
if (strDate.length < 1) {
return true;
}
for (intElementNr = 0; intElementNr < strSeparatorArray.length; intElementNr++) {
if (strDate.indexOf(strSeparatorArray[intElementNr]) != -1) {
strDateArray = strDate.split(strSeparatorArray[intElementNr]);
if (strDateArray.length != 3) {
err = 1;
return false;
}
else {
strDay = strDateArray[0];
strMonth = strDateArray[1];
strYear = strDateArray[2];
}
booFound = true;
}
}
if (booFound == false) {
if (strDate.length > 5) {
strDay = strDate.substr(0, 2);
strMonth = strDate.substr(2, 2);
strYear = strDate.substr(4);
}
}
//Adjustment for short years entered
if (strYear.length == 2) {
strYear = '20' + strYear;
}
strTemp = strDay;
strDay = strMonth;
strMonth = strTemp;
intday = parseInt(strDay, 10);
if (isNaN(intday)) {
err = 2;
return false;
}
intMonth = parseInt(strMonth, 10);
if (isNaN(intMonth)) {
for (i = 0; i < 12; i++) {
if (strMonth.toUpperCase() == strMonthArray[i].toUpperCase()) {
intMonth = i + 1;
strMonth = strMonthArray[i];
i = 12;
}
}
if (isNaN(intMonth)) {
err = 3;
return false;
}
}
intYear = parseInt(strYear, 10);
if (isNaN(intYear)) {
err = 4;
return false;
}
if (intMonth > 12 || intMonth < 1) {
err = 5;
return false;
}
if ((intMonth == 1 || intMonth == 3 || intMonth == 5 || intMonth == 7 || intMonth == 8 || intMonth == 10 || intMonth == 12) && (intday > 31 || intday < 1)) {
err = 6;
return false;
}
if ((intMonth == 4 || intMonth == 6 || intMonth == 9 || intMonth == 11) && (intday > 30 || intday < 1)) {
err = 7;
return false;
}
if (intMonth == 2) {
if (intday < 1) {
err = 8;
return false;
}
if (LeapYear(intYear) == true) {
if (intday > 29) {
err = 9;
return false;
}
}
else {
if (intday > 28) {
err = 10;
return false;
}
}
}
return true;
}
function LeapYear(intYear) {
if (intYear % 100 == 0) {
if (intYear % 400 == 0) { return true; }
}
else {
if ((intYear % 4) == 0) { return true; }
}
return false;
}
function findDate(dateString) {
var daysInMonth = adjustDays(12)
var pos1 = dateString.indexOf(separator)
var pos2 = dateString.indexOf(separator, pos1 + 1)
var stringMonth = dateString.substring(0, pos1)
var stringDay = dateString.substring(pos1 + 1, pos2)
var sYear = dateString.substring(pos2 + 1)
stringYear = sYear
if (stringDay.charAt(0) == "0" && stringDay.length > 1) stringDay = stringDay.substring(1)
if (stringMonth.charAt(0) == "0" && stringMonth.length > 1) stringMonth = stringMonth.substring(1)
for (var i = 1; i <= 3; i++) {
if (stringYear.charAt(0) == "0" && stringYear.length > 1) stringYear = stringYear.substring(1)
}
month = parseInt(stringMonth)
day = parseInt(stringDay)
year = parseInt(stringYear)
if (pos1 == -1 || pos2 == -1) {
alert("Please go back and enter the proper DATE FORMAT. The date format should be : mm/dd/yyyy")
return false
}
if (stringMonth.length < 1 || month < 1 || month > 12) {
alert("Please go back and enter a valid MONTH in the DOB field")
return false
}
if (stringDay.length < 1 || day < 1 || day > 31 || (month == 2 && day > adjustFeb(year)) || day > daysInMonth[month]) {
alert("Please go back and enter a valid DAY in the DOB field")
return false
}
if (sYear.length != 4 || year == 0 || year < beginYear || year > endYear) {
alert("Please go back and enter a valid 4 DIGIT YEAR between " + beginYear + " and " + endYear + " in the DOB field")
return false
}
if (dateString.indexOf(separator, pos2 + 1) != -1 || findInteger(searchCharacters(dateString, separator)) == false) {
alert("Please go back and enter a valid DATE in the DOB field")
return false
}
return true
}
function changeResDiv1(res_div1, res_change1) {
var res_style1 = getStyleObject(res_div1);
if (res_style1 != false) {
res_style1.display = res_change1;
}
}
function changeResDiv2(res_div2, res_change2) {
var res_style2 = getStyleObject(res_div2);
if (res_style2 != false) {
res_style2.display = res_change2;
}
}
function hideRes1() {
changeResDiv1("res_questions1", "none");
}
function hideRes2() {
changeResDiv2("res_questions2", "none");
}
function changeCBResDiv1(cbres_div1, cbres_change1) {
var cbres_style1 = getStyleObject(cbres_div1);
if (cbres_style1 != false) {
cbres_style1.display = cbres_change1;
}
}
function changeCBResDiv2(cbres_div2, cbres_change2) {
var cbres_style2 = getStyleObject(cbres_div2);
if (cbres_style2 != false) {
cbres_style2.display = cbres_change2;
}
}
function hideCBRes1() {
changeCBResDiv1("cbres_questions1", "none");
}
function hideCBRes2() {
changeCBResDiv2("cbres_questions2", "none");
}
function changeEmployDiv1(the_div1, the_change1) {
var the_style1 = getStyleObject(the_div1);
if (the_style1 != false) {
the_style1.display = the_change1;
}
}
function changeEmployDiv2(the_div2, the_change2) {
var the_style2 = getStyleObject(the_div2);
if (the_style2 != false) {
the_style2.display = the_change2;
}
}
function hideAll1() {
changeEmployDiv1("employment_questions1", "none");
}
function hideAll2() {
changeEmployDiv2("employment_questions2", "none");
}
function changePropDiv1(prop_div1, prop_change1) {
var prop_style1 = getStyleObject(prop_div1);
if (prop_style1 != false) {
prop_style1.display = prop_change1;
}
}
function changePropDiv2(prop_div2, prop_change2) {
var prop_style2 = getStyleObject(prop_div2);
if (prop_style2 != false) {
prop_style2.display = prop_change2;
}
}
function hideProp1() {
changePropDiv1("prop_questions1", "none");
}
function hideProp2() {
changePropDiv2("prop_questions2", "none");
}
function changeBankDiv1(bank_div1, bank_change1) {
var bank_style1 = getStyleObject(bank_div1);
if (bank_style1 != false) {
bank_style1.display = bank_change1;
}
}
function changeBankDiv2(bank_div2, bank_change2) {
var bank_style2 = getStyleObject(bank_div2);
if (bank_style2 != false) {
bank_style2.display = bank_change2;
}
}
function changeBankDiv3(bank_div3, bank_change3) {
var bank_style3 = getStyleObject(bank_div3);
if (bank_style3 != false) {
bank_style3.display = bank_change3;
}
}
function hideBank1() {
changeBankDiv1("bank_questions1", "none");
}
function hideBank2() {
changeBankDiv2("bank_questions2", "none");
}
function hideBank3() {
changeBankDiv3("bank_questions3", "none");
}
function changeLiabDiv1(liab_div1, liab_change1) {
var liab_style1 = getStyleObject(liab_div1);
if (liab_style1 != false) {
liab_style1.display = liab_change1;
}
}
function changeLiabDiv2(liab_div2, liab_change2) {
var liab_style2 = getStyleObject(liab_div2);
if (liab_style2 != false) {
liab_style2.display = liab_change2;
}
}
function changeLiabDiv3(liab_div3, liab_change3) {
var liab_style3 = getStyleObject(liab_div3);
if (liab_style3 != false) {
liab_style3.display = liab_change3;
}
}
function changeLiabDiv4(liab_div4, liab_change4) {
var liab_style4 = getStyleObject(liab_div4);
if (liab_style4 != false) {
liab_style4.display = liab_change4;
}
}
function changeLiabDiv5(liab_div5, liab_change5) {
var liab_style5 = getStyleObject(liab_div5);
if (liab_style5 != false) {
liab_style5.display = liab_change5;
}
}
function changeLiabDiv6(liab_div6, liab_change6) {
var liab_style6 = getStyleObject(liab_div6);
if (liab_style6 != false) {
liab_style6.display = liab_change6;
}
}
function hideLiab1() {
changeLiabDiv1("liab_questions1", "none");
}
function hideLiab2() {
changeLiabDiv2("liab_questions2", "none");
}
function hideLiab3() {
changeLiabDiv3("liab_questions3", "none");
}
function hideLiab4() {
changeLiabDiv4("liab_questions4", "none");
}
function hideLiab5() {
changeLiabDiv5("liab_questions5", "none");
}
function hideLiab6() {
changeLiabDiv6("liab_questions6", "none");
}
function getStyleObject(objectId) {
if (document.getElementById && document.getElementById(objectId)) {
return document.getElementById(objectId).style;
} else if (document.all && document.all(objectId)) {
return document.all(objectId).style;
} else {
return false;
}
}
function textCounter(field, countfield, maxlimit) {
if (field.value.length > maxlimit) // if too long...trim it!
field.value = field.value.substring(0, maxlimit);
// otherwise, update 'characters left' counter
else
countfield.value = maxlimit - field.value.length;
}
function pickOneLAF(obj) {
max = 1;
laf_va = obj.form.laf_va.checked;
laf_fha = obj.form.laf_fha.checked;
laf_conv = obj.form.laf_conv.checked;
laf_fmha = obj.form.laf_fmha.checked;
laf_other = obj.form.laf_other.checked;
count = (laf_va ? 1 : 0) + (laf_fha ? 1 : 0) + (laf_conv ? 1 : 0) + (laf_fmha ? 1 : 0) + (laf_other ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneAMORT(obj) {
max = 1;
fixed = obj.form.fixed.checked;
amort_other = obj.form.amort_other.checked;
amort_gpm = obj.form.amort_gpm.checked;
amort_arm = obj.form.amort_arm.checked;
count = (fixed ? 1 : 0) + (amort_other ? 1 : 0) + (amort_gpm ? 1 : 0) + (amort_arm ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOnePURP(obj) {
max = 1;
purch = obj.form.purch.checked;
constr = obj.form.constr.checked;
purp_other = obj.form.purp_other.checked;
purp_refi = obj.form.purp_refi.checked;
const_perm = obj.form.const_perm.checked;
count = (purch ? 1 : 0) + (constr ? 1 : 0) + (purp_other ? 1 : 0) + (purp_refi ? 1 : 0) + (const_perm ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneRES(obj) {
max = 1;
prime_res = obj.form.prime_res.checked;
second_res = obj.form.second_res.checked;
invest = obj.form.invest.checked;
count = (prime_res ? 1 : 0) + (second_res ? 1 : 0) + (invest ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneBMAR(obj) {
max = 1;
b_married = obj.form.b_married.checked;
b_separated = obj.form.b_separated.checked;
b_unmarried = obj.form.b_unmarried.checked;
count = (b_married ? 1 : 0) + (b_separated ? 1 : 0) + (b_unmarried ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneCBMAR(obj) {
max = 1;
cb_married = obj.form.cb_married.checked;
cb_separated = obj.form.cb_separated.checked;
cb_unmarried = obj.form.cb_unmarried.checked;
count = (cb_married ? 1 : 0) + (cb_separated ? 1 : 0) + (cb_unmarried ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function floor(number) {
return Math.floor(number * Math.pow(10, 2)) / Math.pow(10, 2);
}
function checksum() {
var mi = document.getElementById("interest_rate").value / 1200;
var nTerm = document.getElementById("number_of_months").value;
var nMonPmt = floor(document.getElementById("loan_amount").value * (mi / (1 - Math.pow(1 + mi, -nTerm))));
var nMonTax = floor(document.getElementById("yearly_taxes").value / 12);
var nMonHaz = floor(document.getElementById("yearly_insurance").value / 12);
document.smartform.proposed_pi.value = nMonPmt;
document.smartform.proposed_re_taxes.value = nMonTax;
document.smartform.proposed_hazard_insurance.value = nMonHaz;
document.smartform.proposed_total_expenses.value = floor(nMonPmt + nMonTax + nMonHaz);
}
function calcloan(form, elemName, ttl) {
if (TE_digit(document.smartform.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.")
return false;
}
form.proposed_total_expenses.value = Fix(eval(form.proposed_pi.value - 0) + (form.proposed_other_financing.value - 0) + (form.proposed_hazard_insurance.value - 0) + (form.proposed_re_taxes.value - 0) + (form.proposed_mi.value - 0) + (form.proposed_hoa_dues.value - 0) + (form.proposed_other_expenses.value - 0));
form.details_total_costs.value = Fix(eval(form.details_purchase_price.value - 0) + (form.details_improvements_value.value - 0) + (form.details_land_only_value.value - 0) + (form.details_refinance_amount.value - 0) + (form.details_estimated_prepaids.value - 0) + (form.details_estimated_closing_costs.value - 0) + (form.details_pmi_mip_funding_fee.value - 0) + (form.details_discount_price.value - 0));
form.details_loan_amount_m_plus_n.value = Fix(eval(form.details_loan_amount_no_mi.value - 0) + (form.details_pmi_mip_funding_fee_financed.value - 0));
form.details_cash_from_to_borrower.value = Fix(eval(form.details_subordinate_financing_amount.value - 0) + (form.details_seller_paid_closing_costs.value - 0) + (form.details_deposit_amount.value - 0) + (form.other_credits_one_amount.value - 0) + (form.other_credits_two_amount.value - 0) + (form.other_credits_three_amount.value - 0) + (form.details_loan_amount_m_plus_n.value - 0) - (form.details_total_costs.value - 0));
}
function calcincome(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
form.total_base_income.value = Fix(eval(form.b_base_income.value - 0) + (form.cb_base_income.value - 0));
form.total_overtime_income.value = Fix(eval(form.b_overtime_income.value - 0) + (form.cb_overtime_income.value - 0));
form.total_bonus_income.value = Fix(eval(form.b_bonus_income.value - 0) + (form.cb_bonus_income.value - 0));
form.total_commission_income.value = Fix(eval(form.b_commission_income.value - 0) + (form.cb_commission_income.value - 0));
form.total_dividend_income.value = Fix(eval(form.b_dividend_income.value - 0) + (form.cb_dividend_income.value - 0));
form.total_rental_income.value = Fix(eval(form.b_rental_income.value - 0) + (form.cb_rental_income.value - 0));
form.total_other_income.value = Fix(eval(form.b_other_income.value - 0) + (form.cb_other_income.value - 0));
form.b_total_income.value = Fix(eval(form.b_base_income.value - 0) + (form.b_overtime_income.value - 0) + (form.b_bonus_income.value - 0) + (form.b_commission_income.value - 0) + (form.b_dividend_income.value - 0) + (form.b_rental_income.value - 0) + (form.b_other_income.value - 0));
form.cb_total_income.value = Fix(eval(form.cb_base_income.value - 0) + (form.cb_overtime_income.value - 0) + (form.cb_bonus_income.value - 0) + (form.cb_commission_income.value - 0) + (form.cb_dividend_income.value - 0) + (form.cb_rental_income.value - 0) + (form.cb_other_income.value - 0));
form.total_household_income.value = Fix(eval(form.b_total_income.value - 0) + (form.cb_total_income.value - 0));
}
function calchousing(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
form.current_total_expenses.value = Fix(eval(form.housing_expense_rent.value - 0) + (form.current_pi.value - 0) + (form.current_other_financing.value - 0) + (form.current_hazard_insurance.value - 0) + (form.current_re_taxes.value - 0) + (form.current_mi.value - 0) + (form.current_hoa_dues.value - 0) + (form.current_other_expenses.value - 0));
}
function calcasset(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
if (form.prop_one_gross_rental_income.value == 0) {
form.prop_one_net_rental_income.value = "0";
} else {
form.prop_one_net_rental_income.value = Fix(eval(form.prop_one_gross_rental_income.value - 0) - (form.prop_one_mort_pymt.value - 0) - (form.prop_one_other_expense.value - 0));
}
if (form.prop_two_gross_rental_income.value == 0) {
form.prop_two_net_rental_income.value = "0";
} else {
form.prop_two_net_rental_income.value = Fix(eval(form.prop_two_gross_rental_income.value - 0) - (form.prop_two_mort_pymt.value - 0) - (form.prop_two_other_expense.value - 0));
}
if (form.prop_three_gross_rental_income.value == 0) {
form.prop_three_net_rental_income.value = "0";
} else {
form.prop_three_net_rental_income.value = Fix(eval(form.prop_three_gross_rental_income.value - 0) - (form.prop_three_mort_pymt.value - 0) - (form.prop_three_other_expense.value - 0));
}
form.subtotal_liquid_assets.value = Fix(eval(form.deposit_amount.value - 0) + (form.bank_amount_one.value - 0) + (form.bank_amount_two.value - 0) + (form.bank_amount_three.value - 0) + (form.bank_amount_four.value - 0) + (form.stock_value_one.value - 0) + (form.stock_value_two.value - 0) + (form.life_ins_value_one.value - 0));
form.total_prop_market_value.value = Fix(eval(form.prop_one_market_value.value - 0) + (form.prop_two_market_value.value - 0) + (form.prop_three_market_value.value - 0));
form.total_prop_mort_lien_value.value = Fix(eval(form.prop_one_mort_lien_value.value - 0) + (form.prop_two_mort_lien_value.value - 0) + (form.prop_three_mort_lien_value.value - 0));
form.total_prop_gross_rental_income.value = Fix(eval(form.prop_one_gross_rental_income.value - 0) + (form.prop_two_gross_rental_income.value - 0) + (form.prop_three_gross_rental_income.value - 0));
form.total_prop_mort_pymts.value = Fix(eval(form.prop_one_mort_pymt.value - 0) + (form.prop_two_mort_pymt.value - 0) + (form.prop_three_mort_pymt.value - 0));
form.total_prop_other_expense.value = Fix(eval(form.prop_one_other_expense.value - 0) + (form.prop_two_other_expense.value - 0) + (form.prop_three_other_expense.value - 0));
form.total_prop_net_rental_income.value = Fix(eval(form.prop_one_net_rental_income.value - 0) + (form.prop_two_net_rental_income.value - 0) + (form.prop_three_net_rental_income.value - 0));
form.real_estate_owned_value.value = Fix(eval(form.prop_one_market_value.value - 0) + (form.prop_two_market_value.value - 0) + (form.prop_three_market_value.value - 0));
form.effective_gross_rent_vacancy_factor.value = Fix(eval(form.total_prop_gross_rental_income.value - 0) * (.75));
form.effective_net_rental_income.value = Fix(eval(form.effective_gross_rent_vacancy_factor.value - 0) - (form.total_prop_mort_pymts.value - 0) - (form.total_prop_other_expense.value - 0));
form.total_auto_value.value = Fix(eval(form.auto_one_value.value - 0) + (form.auto_two_value.value - 0) + (form.auto_three_value.value - 0));
form.total_other_assets.value = Fix(eval(form.other_assets_value_one.value - 0) + (form.other_assets_value_two.value - 0) + (form.other_assets_value_three.value - 0));
form.total_all_assets.value = Fix(eval(form.subtotal_liquid_assets.value - 0) + (form.total_prop_market_value.value - 0) + (form.retirement_fund_value.value - 0) + (form.business_owned_value.value - 0) + (form.total_auto_value.value - 0) + (form.total_other_assets.value - 0));
form.total_net_worth.value = Fix(eval(form.total_all_assets.value - 0) - (form.total_liabilities.value - 0));
}
function calcliability(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
form.total_liabilities.value = Fix(eval(form.unpaid_balance_one.value - 0) + (form.unpaid_balance_two.value - 0) + (form.unpaid_balance_three.value - 0) + (form.unpaid_balance_four.value - 0) + (form.unpaid_balance_five.value - 0) + (form.unpaid_balance_six.value - 0) + (form.unpaid_balance_seven.value - 0));
form.total_net_worth.value = Fix(eval(form.total_all_assets.value - 0) - (form.total_liabilities.value - 0));
form.liabilities_total_monthly_pymts.value = Fix(eval(form.monthly_pymt_one.value - 0) + (form.monthly_pymt_two.value - 0) + (form.monthly_pymt_three.value - 0) + (form.monthly_pymt_four.value - 0) + (form.monthly_pymt_five.value - 0) + (form.monthly_pymt_six.value - 0) + (form.monthly_pymt_seven.value - 0) + (form.other_monthly_pymt.value - 0) + (form.job_related_monthly_pymt.value - 0));
}
function Fix(number) {
return (Math.round(number * 10000000) / 10000000);
}
function TE_digit(element) {
var alpha = ",#\$abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ";
for (var o = 0; o < element.length; o++) {
for (var i = 0; i < alpha.length; i++) {
if (element.charAt(o) == alpha.charAt(i)) { return false; }
}
}
return true;
}
floatX = 10;
floatY = 10;
layerwidth = 300;
layerheight = 650;
halign = "left";
valign = "top";
delayspeed = 2;
// This script is copyright (c) Henrik Petersen, NetKontoret
// Feel free to use this script on your own pages as long as you do not change it.
// It is illegal to distribute the script as part of a tutorial / script archive.
// Updated version available at: http://www.echoecho.com/toolfloatinglayer.htm
// This comment and the 4 lines above may not be removed from the code.
NS6 = false;
IE4 = (document.all);
if (!IE4) { NS6 = (document.getElementById); }
NS4 = (document.layers);
function adjust() {
if ((NS4) || (NS6)) {
if (lastX == -1 || delayspeed == 0) {
lastX = window.pageXOffset + floatX;
lastY = window.pageYOffset + floatY;
}
else {
var dx = Math.abs(window.pageXOffset + floatX - lastX);
var dy = Math.abs(window.pageYOffset + floatY - lastY);
var d = Math.sqrt(dx * dx + dy * dy);
var c = Math.round(d / 10);
if (window.pageXOffset + floatX > lastX) { lastX = lastX + delayspeed + c; }
if (window.pageXOffset + floatX < lastX) { lastX = lastX - delayspeed - c; }
if (window.pageYOffset + floatY > lastY) { lastY = lastY + delayspeed + c; }
if (window.pageYOffset + floatY < lastY) { lastY = lastY - delayspeed - c; }
}
if (NS4) {
document.layers['floatlayer'].pageX = lastX;
document.layers['floatlayer'].pageY = lastY;
}
if (NS6) {
document.getElementById('floatlayer').style.left = lastX;
document.getElementById('floatlayer').style.top = lastY;
}
}
else if (IE4) {
if (lastX == -1 || delayspeed == 0) {
lastX = document.body.scrollLeft + floatX;
lastY = document.body.scrollTop + floatY;
}
else {
var dx = Math.abs(document.body.scrollLeft + floatX - lastX);
var dy = Math.abs(document.body.scrollTop + floatY - lastY);
var d = Math.sqrt(dx * dx + dy * dy);
var c = Math.round(d / 10);
if (document.body.scrollLeft + floatX > lastX) { lastX = lastX + delayspeed + c; }
if (document.body.scrollLeft + floatX < lastX) { lastX = lastX - delayspeed - c; }
if (document.body.scrollTop + floatY > lastY) { lastY = lastY + delayspeed + c; }
if (document.body.scrollTop + floatY < lastY) { lastY = lastY - delayspeed - c; }
}
document.all['floatlayer'].style.posLeft = lastX;
document.all['floatlayer'].style.posTop = lastY;
}
setTimeout('adjust()', 50);
}
function define() {
if ((NS4) || (NS6)) {
if (halign == "left") { floatX = ifloatX };
if (halign == "right") { floatX = window.innerWidth - ifloatX - layerwidth - 20 };
if (halign == "center") { floatX = Math.round((window.innerWidth - 20) / 2) - Math.round(layerwidth / 2) };
if (valign == "top") { floatY = ifloatY };
if (valign == "bottom") { floatY = window.innerHeight - ifloatY - layerheight };
if (valign == "center") { floatY = Math.round((window.innerHeight - 20) / 2) - Math.round(layerheight / 2) };
}
if (IE4) {
if (halign == "left") { floatX = ifloatX };
if (halign == "right") { floatX = document.body.offsetWidth - ifloatX - layerwidth - 20 }
if (halign == "center") { floatX = Math.round((document.body.offsetWidth - 20) / 2) - Math.round(layerwidth / 2) }
if (valign == "top") { floatY = ifloatY };
if (valign == "bottom") { floatY = document.body.offsetHeight - ifloatY - layerheight }
if (valign == "center") { floatY = Math.round((document.body.offsetHeight - 20) / 2) - Math.round(layerheight / 2) }
}
}
function highlight(which, color) {
if (document.all || document.getElementById)
which.style.backgroundColor = color
}
function Validator(smartform) {
// var error = "";
// if (smartform.email.value == "") {
// error += "Your email address is required information and this form cannot be submitted without it. Please enter a valid email address at the top of this form in the Email Address form field. This will prevent you from loosing all of your information.\n";
// }
// if ((smartform.email.value.indexOf('@', 0) == -1 ||
// smartform.email.value.indexOf('.', 0) == -1) &&
// smartform.email.value != "") {
// error += "You must include an accurate email address. Use the following format: username@domain.com";
// }
// if (error != "") {
// alert(error);
// document.smartform.email.focus();
// return (false);
// }
// if (document.smartform.password.value == "") {
// alert("You must enter a password in order for your application to be submitted.");
// document.smartform.password.focus();
// return (false);
// }
// if (document.smartform.agent_name.value == '0') {
// alert("You must select a Loan Officer.");
// document.smartform.agent_name.focus();
// return (false);
// }
// else {
// return (true);
// }
}
function checkPass() {
// var passwd = document.smartform.password.value;
// var test = /(\w{6,})/g;
// var test2 = /\W/;
// if (!passwd.match(test) || passwd.match(test2)) {
// alert("You must enter a password in order for your application to be submitted. Your password must contain 6 to 12 characters, and only be made up of letters and/or numbers")
// document.smartform.password.focus();
// }
}
function mark(face, field_color, text_color) {
if (document.documentElement) {
face.style.backgroundColor = field_color;
face.style.color = text_color;
}
}
nextfield = "email"; // name of first box on page
netscape = "";
ver = navigator.appVersion; len = ver.length;
for (iln = 0; iln < len; iln++) if (ver.charAt(iln) == "(") break;
netscape = (ver.charAt(iln + 1).toUpperCase() != "C");
function keyDown(DnEvents) { // handles keypress
// determines whether Netscape or Internet Explorer
k = (netscape) ? DnEvents.which : window.event.keyCode;
if (k == 13) { // enter key pressed
if (nextfield == 'done') return true; // submit, we finished all fields
else { // we're not done yet, send focus to next box
if (nextfield === "email") { }
else {
eval('document.smartform.' + nextfield + '.focus()');
return false;
}
}
}
}
document.onkeydown = keyDown; // work together to analyze keystrokes
if (netscape) document.captureEvents(Event.KEYDOWN | Event.KEYUP);
function changeResDiv1(res_div1, res_change1) {
var res_style1 = getStyleObject(res_div1);
if (res_style1 != false) {
res_style1.display = res_change1;
}
}
function changeResDiv2(res_div2, res_change2) {
var res_style2 = getStyleObject(res_div2);
if (res_style2 != false) {
res_style2.display = res_change2;
}
}
function hideRes1() {
changeResDiv1("res_questions1", "none");
}
function hideRes2() {
changeResDiv2("res_questions2", "none");
}
function changeCBResDiv1(cbres_div1, cbres_change1) {
var cbres_style1 = getStyleObject(cbres_div1);
if (cbres_style1 != false) {
cbres_style1.display = cbres_change1;
}
}
function changeCBResDiv2(cbres_div2, cbres_change2) {
var cbres_style2 = getStyleObject(cbres_div2);
if (cbres_style2 != false) {
cbres_style2.display = cbres_change2;
}
}
function hideCBRes1() {
changeCBResDiv1("cbres_questions1", "none");
}
function hideCBRes2() {
changeCBResDiv2("cbres_questions2", "none");
}
function changeEmployDiv1(the_div1, the_change1) {
var the_style1 = getStyleObject(the_div1);
if (the_style1 != false) {
the_style1.display = the_change1;
}
}
function changeEmployDiv2(the_div2, the_change2) {
var the_style2 = getStyleObject(the_div2);
if (the_style2 != false) {
the_style2.display = the_change2;
}
}
function hideAll1() {
changeEmployDiv1("employment_questions1", "none");
}
function hideAll2() {
changeEmployDiv2("employment_questions2", "none");
}
function changePropDiv1(prop_div1, prop_change1) {
var prop_style1 = getStyleObject(prop_div1);
if (prop_style1 != false) {
prop_style1.display = prop_change1;
}
}
function changePropDiv2(prop_div2, prop_change2) {
var prop_style2 = getStyleObject(prop_div2);
if (prop_style2 != false) {
prop_style2.display = prop_change2;
}
}
function hideProp1() {
changePropDiv1("prop_questions1", "none");
}
function hideProp2() {
changePropDiv2("prop_questions2", "none");
}
function getStyleObject(objectId) {
if (document.getElementById && document.getElementById(objectId)) {
return document.getElementById(objectId).style;
} else if (document.all && document.all(objectId)) {
return document.all(objectId).style;
} else {
return false;
}
}
function textCounter(field, countfield, maxlimit) {
if (field.value.length > maxlimit) // if too long...trim it!
field.value = field.value.substring(0, maxlimit);
// otherwise, update 'characters left' counter
else
countfield.value = maxlimit - field.value.length;
}
function pickOneLAF(obj) {
max = 1;
laf_va = obj.form.laf_va.checked;
laf_fha = obj.form.laf_fha.checked;
laf_conv = obj.form.laf_conv.checked;
laf_fmha = obj.form.laf_fmha.checked;
laf_other = obj.form.laf_other.checked;
count = (laf_va ? 1 : 0) + (laf_fha ? 1 : 0) + (laf_conv ? 1 : 0) + (laf_fmha ? 1 : 0) + (laf_other ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneAMORT(obj) {
max = 1;
fixed = obj.form.fixed.checked;
amort_other = obj.form.amort_other.checked;
amort_gpm = obj.form.amort_gpm.checked;
amort_arm = obj.form.amort_arm.checked;
count = (fixed ? 1 : 0) + (amort_other ? 1 : 0) + (amort_gpm ? 1 : 0) + (amort_arm ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOnePURP(obj) {
max = 1;
purch = obj.form.purch.checked;
constr = obj.form.constr.checked;
purp_other = obj.form.purp_other.checked;
purp_refi = obj.form.purp_refi.checked;
const_perm = obj.form.const_perm.checked;
count = (purch ? 1 : 0) + (constr ? 1 : 0) + (purp_other ? 1 : 0) + (purp_refi ? 1 : 0) + (const_perm ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneRES(obj) {
max = 1;
prime_res = obj.form.prime_res.checked;
second_res = obj.form.second_res.checked;
invest = obj.form.invest.checked;
count = (prime_res ? 1 : 0) + (second_res ? 1 : 0) + (invest ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneBMAR(obj) {
max = 1;
b_married = obj.form.b_married.checked;
b_separated = obj.form.b_separated.checked;
b_unmarried = obj.form.b_unmarried.checked;
count = (b_married ? 1 : 0) + (b_separated ? 1 : 0) + (b_unmarried ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function pickOneCBMAR(obj) {
max = 1;
cb_married = obj.form.cb_married.checked;
cb_separated = obj.form.cb_separated.checked;
cb_unmarried = obj.form.cb_unmarried.checked;
count = (cb_married ? 1 : 0) + (cb_separated ? 1 : 0) + (cb_unmarried ? 1 : 0);
if (count > max) {
alert("You may only check " + max + " box in this section! \nUncheck your previous selection if you want to pick another.");
obj.checked = false;
}
}
function floor(number) {
return Math.floor(number * Math.pow(10, 2)) / Math.pow(10, 2);
}
function checksum() {
var mi = document.smartform.interest_rate.value / 1200;
var nTerm = document.smartform.number_of_months.value;
//Doug this is where the if statement is...I used the amort_other for now but we can add an
//interest only checkbox and store it in the db...couldn't remember the exact calculation either
if (document.smartform.interest_only.checked) {
var nMonPmt = floor((document.smartform.loan_amount.value) * (document.smartform.interest_rate.value / 1200));
}
else {
var nMonPmt = floor(document.smartform.loan_amount.value * (mi / (1 - Math.pow(1 + mi, -nTerm))));
}
var nMonTax = floor(document.smartform.yearly_taxes.value / 12);
var nMonHaz = floor(document.smartform.yearly_insurance.value / 12);
document.smartform.proposed_pi.value = nMonPmt;
document.smartform.proposed_re_taxes.value = nMonTax;
document.smartform.proposed_hazard_insurance.value = nMonHaz;
document.smartform.proposed_total_expenses.value = floor(nMonPmt + nMonTax + nMonHaz);
}
function calcloan(form, elemName, ttl) {
if (TE_digit(document.smartform.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.")
return false;
}
form.proposed_total_expenses.value = Fix(eval(form.proposed_pi.value - 0) + (form.proposed_other_financing.value - 0) + (form.proposed_hazard_insurance.value - 0) + (form.proposed_re_taxes.value - 0) + (form.proposed_mi.value - 0) + (form.proposed_hoa_dues.value - 0) + (form.proposed_other_expenses.value - 0));
form.details_total_costs.value = Fix(eval(form.details_purchase_price.value - 0) + (form.details_improvements_value.value - 0) + (form.details_land_only_value.value - 0) + (form.details_refinance_amount.value - 0) + (form.details_estimated_prepaids.value - 0) + (form.details_estimated_closing_costs.value - 0) + (form.details_pmi_mip_funding_fee.value - 0) + (form.details_discount_price.value - 0));
form.details_loan_amount_m_plus_n.value = Fix(eval(form.details_loan_amount_no_mi.value - 0) + (form.details_pmi_mip_funding_fee_financed.value - 0));
form.details_cash_from_to_borrower.value = Fix(eval(form.details_subordinate_financing_amount.value - 0) + (form.details_seller_paid_closing_costs.value - 0) + (form.details_deposit_amount.value - 0) + (form.other_credits_one_amount.value - 0) + (form.other_credits_two_amount.value - 0) + (form.other_credits_three_amount.value - 0) + (form.details_loan_amount_m_plus_n.value - 0) - (form.details_total_costs.value - 0));
}
var b_res_street = "";
var b_res_city = "";
var b_res_state = "";
var b_res_zip = "";
var cb_res_street = "";
var cb_res_city = "";
var cb_res_state = "";
var cb_res_zip = "";
var cb_phone = "";
var cb_married = "";
var cb_separated = "";
var cb_unmarried = "";
var cb_own_home = "";
var cb_rent_home = "";
var cb_yrs_at_res = "";
var subj_prop_state = "";
var subj_prop_zip = "";
var refi_exist_liens = "";
var current_other_financing = "";
var current_pi = "";
var current_hazard_insurance = "";
var current_re_taxes = "";
var current_mi = "";
var current_hoa_dues = "";
var current_other_expenses = "";
var deposit_amount = "";
var details_deposit_amount = "";
function InitSaveVariables(form, reo_val) {
var reo_street_obj = document.getElementById("reo_street" + reo_val);
var reo_city_obj = document.getElementById("reo_city" + reo_val);
var reo_state_obj = document.getElementById("reo_state" + reo_val);
var reo_zip_obj = document.getElementById("reo_zip" + reo_val);
//var reo_zip4_obj = document.getElementById("reo_zip4" + reo_val);
var prop_mort_lien_value_obj = document.getElementById("prop_mort_lien_value" + reo_val);
var prop_mort_pymt_obj = document.getElementById("prop_mort_pymt" + reo_val);
var prop_other_expense_obj = document.getElementById("prop_other_expense" + reo_val);
var reo_subj_prop_obj = document.getElementById("reo_subj_prop" + reo_val);
b_res_street = form.b_res_street.value;
b_res_city = form.b_res_city.value;
b_res_state = form.b_res_state.value;
b_res_zip = form.b_res_zip.value;
cb_phone = form.cb_phone.value;
cb_married = form.cb_married.checked;
cb_separated = form.cb_separated.checked;
cb_unmarried = form.cb_unmarried.checked;
cb_own_home = form.cb_own_home.checked;
cb_rent_home = form.cb_rent_home.checked;
cb_yrs_at_res = form.cb_yrs_at_res.value;
reo_subj_prop = reo_subj_prop_obj.checked;
reo_street = reo_street_obj.value;
reo_city = reo_city_obj.value;
reo_state = reo_state_obj.value;
reo_zip = reo_zip_obj.value;
//reo_zip4 = reo_zip4_obj.value;
subj_prop_state = form.subj_prop_state.value;
subj_prop_zip = form.subj_prop_zip.value;
refi_exist_liens = form.refi_exist_liens.value;
prop_mort_lien_value = prop_mort_lien_value_obj.value;
prop_mort_pymt = prop_mort_pymt_obj.value;
prop_other_expense = prop_other_expense_obj.value;
current_other_financing = form.current_other_financing.value;
current_pi = form.current_pi.value;
current_hazard_insurance = form.current_hazard_insurance.value;
current_re_taxes = form.current_re_taxes.value;
current_mi = form.current_mi.value;
current_hoa_dues = form.current_hoa_dues.value;
current_other_expenses = form.current_other_expenses.value;
deposit_amount = form.deposit_amount.value;
details_deposit_amount = form.details_deposit_amount.value;
}
function duplicate(form) {
if (form.copy.checked) {
InitSaveVariables(form, 1);
form.b_res_street.value = form.subj_prop_street.value;
form.b_res_city.value = form.subj_prop_city.value;
form.b_res_state.value = form.subj_prop_state.value;
form.b_res_zip.value = form.subj_prop_zip.value;
}
else {
form.b_res_street.value = b_res_street;
form.b_res_city.value = b_res_city;
form.b_res_state.value = b_res_state;
form.b_res_zip.value = b_res_zip;
}
}
function duplicate2(form) {
if (form.copy2.checked) {
InitSaveVariables(form, 1);
form.cb_res_street.value = form.b_res_street.value;
form.cb_res_city.value = form.b_res_city.value;
form.cb_res_state.value = form.b_res_state.value;
form.cb_res_zip.value = form.b_res_zip.value;
form.cb_phone.value = form.b_phone.value;
form.cb_married.checked = form.b_married.checked;
form.cb_separated.checked = form.b_separated.checked;
form.cb_unmarried.checked = form.b_unmarried.checked;
form.cb_own_home.checked = form.b_own_home.checked;
form.cb_rent_home.checked = form.b_rent_home.checked;
form.cb_yrs_at_res.value = form.b_yrs_at_res.value;
}
else {
form.cb_res_street.value = cb_res_street;
form.cb_res_city.value = cb_res_city;
form.cb_res_state.value = cb_res_state;
form.cb_res_zip.value = cb_res_zip;
form.cb_phone.value = cb_phone;
form.cb_married.checked = cb_married;
form.cb_separated.checked = cb_separated;
form.cb_unmarried.checked = cb_unmarried;
form.cb_own_home.checked = cb_own_home;
form.cb_rent_home.checked = cb_rent_home;
form.cb_yrs_at_res.value = cb_yrs_at_res;
}
}
function subjreo(form, reo_val) {
var reo_street_obj = document.getElementById("reo_street" + reo_val);
var reo_city_obj = document.getElementById("reo_city" + reo_val);
var reo_state_obj = document.getElementById("reo_state" + reo_val);
var reo_zip_obj = document.getElementById("reo_zip" + reo_val);
//var reo_zip4_obj = document.getElementById("reo_zip4" + reo_val);
var prop_mort_lien_value_obj = document.getElementById("prop_mort_lien_value" + reo_val);
var prop_mort_pymt_obj = document.getElementById("prop_mort_pymt" + reo_val);
var prop_other_expense_obj = document.getElementById("prop_other_expense" + reo_val);
var reo_subj_prop_obj = document.getElementById("reo_subj_prop" + reo_val);
if (reo_subj_prop_obj.checked) {
InitSaveVariables(form, reo_val);
reo_street_obj.value = form.subj_prop_street.value;
//reo_city_obj.value = ([form.subj_prop_city.value] + ',' + ' ' + [form.subj_prop_state.value] + ' ' + [form.subj_prop_zip.value]);
reo_city_obj.value = form.subj_prop_city.value;
reo_state_obj.value = form.subj_prop_state.value;
reo_zip_obj.value = form.subj_prop_zip.value;
//reo_zip4_obj.value = form.subj_prop_zip4.value;
prop_mort_lien_value_obj.value = form.refi_exist_liens.value;
prop_mort_pymt_obj.value = (form.current_pi.value - 0) + (form.current_other_financing.value - 0);
prop_other_expense_obj.value = (form.current_hazard_insurance.value - 0) + (form.current_re_taxes.value - 0) + (form.current_mi.value - 0) + (form.current_hoa_dues.value - 0) + (form.current_other_expenses.value - 0);
}
else {
reo_street_obj.value = reo_street;
reo_city_obj.value = reo_city;
reo_state_obj.value = reo_state;
reo_zip_obj.value = reo_zip;
//reo_zip4_obj.value = reo_zip4;
prop_mort_lien_value_obj.value = prop_mort_lien_value;
prop_mort_pymt_obj.value = prop_mort_pymt;
prop_other_expense_obj.value = prop_other_expense;
}
calcasset(document.smartform, 'monthly_pymt1', 'Monthly Payment');
}
function calcincome(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
form.total_base_income.value = Fix(eval(form.b_base_income.value - 0) + (form.cb_base_income.value - 0));
form.total_overtime_income.value = Fix(eval(form.b_overtime_income.value - 0) + (form.cb_overtime_income.value - 0));
form.total_bonus_income.value = Fix(eval(form.b_bonus_income.value - 0) + (form.cb_bonus_income.value - 0));
form.total_commission_income.value = Fix(eval(form.b_commission_income.value - 0) + (form.cb_commission_income.value - 0));
form.total_dividend_income.value = Fix(eval(form.b_dividend_income.value - 0) + (form.cb_dividend_income.value - 0));
form.total_rental_income.value = Fix(eval(form.b_rental_income.value - 0) + (form.cb_rental_income.value - 0));
form.total_other_income.value = Fix(eval(form.b_other_income.value - 0) + (form.cb_other_income.value - 0));
form.b_total_income.value = Fix(eval(form.b_base_income.value - 0) + (form.b_overtime_income.value - 0) + (form.b_bonus_income.value - 0) + (form.b_commission_income.value - 0) + (form.b_dividend_income.value - 0) + (form.b_rental_income.value - 0) + (form.b_other_income.value - 0));
form.cb_total_income.value = Fix(eval(form.cb_base_income.value - 0) + (form.cb_overtime_income.value - 0) + (form.cb_bonus_income.value - 0) + (form.cb_commission_income.value - 0) + (form.cb_dividend_income.value - 0) + (form.cb_rental_income.value - 0) + (form.cb_other_income.value - 0));
form.total_household_income.value = Fix(eval(form.b_total_income.value - 0) + (form.cb_total_income.value - 0));
}
function calchousing(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
form.current_total_expenses.value = Fix(eval(form.housing_expense_rent.value - 0) + (form.current_pi.value - 0) + (form.current_other_financing.value - 0) + (form.current_hazard_insurance.value - 0) + (form.current_re_taxes.value - 0) + (form.current_mi.value - 0) + (form.current_hoa_dues.value - 0) + (form.current_other_expenses.value - 0));
}
function calcasset(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
calcreo(form, elemName, ttl);
form.subtotal_liquid_assets.value = Fix(eval(form.deposit_amount.value - 0) + (calc_bank_total() - 0) + (form.stock_value_one.value - 0) + (form.stock_value_two.value - 0) + (form.life_ins_value_one.value - 0));
form.effective_gross_rent_vacancy_factor.value = Fix(eval(form.total_prop_gross_rental_income.value - 0) * (.75));
form.effective_net_rental_income.value = Fix(eval(form.effective_gross_rent_vacancy_factor.value - 0) - (form.total_prop_mort_pymts.value - 0) - (form.total_prop_other_expense.value - 0));
form.total_auto_value.value = Fix(eval(form.auto_one_value.value - 0) + (form.auto_two_value.value - 0) + (form.auto_three_value.value - 0));
form.total_other_assets.value = Fix(eval(form.other_assets_value_one.value - 0) + (form.other_assets_value_two.value - 0) + (form.other_assets_value_three.value - 0));
form.total_all_assets.value = Fix(eval(form.subtotal_liquid_assets.value - 0) + (form.total_prop_market_value.value - 0) + (form.retirement_fund_value.value - 0) + (form.business_owned_value.value - 0) + (form.total_auto_value.value - 0) + (form.total_other_assets.value - 0));
form.total_net_worth.value = Fix(eval(form.total_all_assets.value - 0) - (form.total_liabilities.value - 0));
}
function calcliability(form, elemName, ttl) {
if (TE_digit(form.elements[elemName].value) == false) {
alert("OOPS! Only numeric characters (0 through 9) or a decimal point (.) are allowed in the " + ttl + " field! Please go back and remove any comma's (,) or dollar signs ($) from this field.");
return false;
}
form.total_liabilities.value = calc_liability_total();
form.total_net_worth.value = Fix(eval(form.total_all_assets.value - 0) - (form.total_liabilities.value - 0));
form.liabilities_total_monthly_pymts.value = calc_total_monthly_pymts() + (form.other_monthly_pymt.value - 0) + (form.job_related_monthly_pymt.value - 0);
}
function Fix(number) {
return (Math.round(number * 10000000) / 10000000);
}
function TE_digit(element) {
var alpha = "~`!@#$%^&*()_+|-=\{}[]:\;'<>,/?abcdefghijklmnopqrstuvwxyzABCDEFGHIJKLMNOPQRSTUVWXYZ";
for (var o = 0; o < element.length; o++) {
for (var i = 0; i < alpha.length; i++) {
if (element.charAt(o) == alpha.charAt(i)) { return false; }
}
}
return true;
}
function MM_openBrWindow(theURL, winName, features) { //v2.0
window.open(theURL, winName, features);
}
function MM_swapImgRestore() { //v3.0
var i, x, a = document.MM_sr; for (i = 0; a && i < a.length && (x = a[i]) && x.oSrc; i++) x.src = x.oSrc;
}
function MM_preloadImages() { //v3.0
var d = document; if (d.images) {
if (!d.MM_p) d.MM_p = new Array();
var i, j = d.MM_p.length, a = MM_preloadImages.arguments; for (i = 0; i < a.length; i++)
if (a[i].indexOf("#") != 0) { d.MM_p[j] = new Image; d.MM_p[j++].src = a[i]; }
}
}
function MM_swapImage() { //v3.0
var i, j = 0, x, a = MM_swapImage.arguments; document.MM_sr = new Array; for (i = 0; i < (a.length - 2); i += 3)
if ((x = MM_findObj(a[i])) != null) { document.MM_sr[j++] = x; if (!x.oSrc) x.oSrc = x.src; x.src = a[i + 2]; }
}
function MM_findObj(n, d) { //v4.01
var p, i, x; if (!d) d = document; if ((p = n.indexOf("?")) > 0 && parent.frames.length) {
d = parent.frames[n.substring(p + 1)].document; n = n.substring(0, p);
}
if (!(x = d[n]) && d.all) x = d.all[n]; for (i = 0; !x && i < d.forms.length; i++) x = d.forms[i][n];
for (i = 0; !x && d.layers && i < d.layers.length; i++) x = MM_findObj(n, d.layers[i].document);
if (!x && d.getElementById) x = d.getElementById(n); return x;
}
var bank = 1;
function addBank(form, bankdiv) {
var newBankDiv = document.getElementById("bankdiv" + bankdiv);
bank += 1;
document.getElementById("max_bank").value = bank;
//this.form.max_bank.value = bank;
nextBank = bank + 1;
newBank = "
![\"Date\"](\"images/cal.gif\")
Or Click on this symbol to choose a date from the calendar on the right side of the DOB field and it will automatically enter the date for you.