{"text_format":"1","workbook":"xlsx","n_sheets":2,"sheets":["Sheet1","SL Seasoning Rqmt"],"not_rendered":{"charts":0,"images":1,"macros":1,"external_links":0,"defined_names":0,"comments":0,"pivot_tables":0},"unopened":[],"bounds":{"document_bytes":16777216,"sheet_cells":100000,"rows_first":2000,"rows_last":500,"rows_between":2000,"halvings":0,"cell_chars":16384,"cell_head_chars":4096},"cells_cut":0,"cells_raw":0,"read":"whole","date_system":"1900"}

{"sheet":"Sheet1","index":0,"n_rows":26,"n_cols":12,"rows_kept":26,"cut":false,"hidden":true,"merged":[[25,3,25,8],[25,11,25,12],[12,10,15,15],[17,3,17,8],[17,10,17,15],[19,3,19,8],[19,10,19,15],[1,0,1,15],[21,3,21,8],[21,10,21,15],[9,10,9,11],[9,2,9,6]]}
[]
["FHA Streamline Seasoning Requirement"]
[]
[null,"On the date of the FHA case number assignment:"]
[null,"• The borrower must have made at least six (6) payments on the FHA-insured Mortgage that is being refinanced."]
[null,"• At least six (6) full payments must have passed since the first payment due date of the Mortgage that is being refinanced."]
[null,"• At least 210 days must have passed from the Closing Date that is being refinanced, and"]
[null,"• If the borrower assumed the Mortgage that is being refinanced, they must have made six (6) payments since the time of assumption."]
[]
[null,"Borrower: ",null,null,null,null,null,null,null,"Loan Number: "]
[]
[]
[null,"2019-06-03",null,"Date of FHA Case Number Assignment",null,null,null,null,null,null,{"$f":"IF(B13=\"\",\"Enter Date of FHA Case Number Assignment\",IF(B14=\"\",\"Enter Closing Date of loan being refinanced\",IF(B14>B13,\"ERROR: Closing Date of previous loan cannot be after FHA Case Number Assignment Date\",IF(B16<210,\"210 day seasoning requirement NOT met.\",\"\"))))","v":""}]
[null,"2018-11-05",null,"Closing Date of loan being refinanced"]
[]
[null,{"$f":"IF(B13=\"\",\"\",IF(B14=\"\",\"\",IFERROR(B13-B14,\"\")))","v":210},null,"Number of days passsed"]
[]
[null,6,null,"Number of full pymts made since 1st pymt due date of Mortgage being refinanced.",null,null,null,null,null,null,{"$f":"IF(B18=\"\",\"Answer question to left.\",IF(B18<6,\"At least 6 full payments must have passed since the 1st payment due date.\",\"\"))","v":""}]
[]
[null,"Yes",null,"Did borrower assume the Mortgage being refinanced?  (use drop down)",null,null,null,null,null,null,{"$f":"IF(B20=\"\",\"Answer question to left.\",IF(B20=\"No\",\"\",IF(B20=\"Yes\",\"Answer next question.\")))","v":"Answer next question."}]
[]
[null,6,null,"If borrower assumed the Mortgage being refinanced, enter # of pymts the borrower has made since time of assumption.",null,null,null,null,null,null,{"$f":"IF(B20=\"\",\"\",IF(B20=\"No\",\"\",IF(AND(B20=\"Yes\",B22=\"\"),\"Answer question to left.\",IF(B22<6,\"At least 6 full payments must have passed since the 1st payment due date.\",\"\"))))","v":""}]
[]
[]
[]
[null,null,"Completed by: ",null,null,null,null,null,null,null,"Date: ",{"$f":"TODAY()","v":"2019-06-23"}]

{"sheet":"SL Seasoning Rqmt","index":1,"n_rows":39,"n_cols":27,"rows_kept":39,"cut":false,"hidden":false,"merged":[[16,15,16,21],[18,10,18,13],[18,15,18,21],[32,7,32,13],[32,17,32,19],[16,10,16,13],[25,15,25,21],[28,2,30,21],[20,15,20,21],[22,10,22,15],[22,17,22,21],[25,10,25,13],[20,10,20,13],[1,2,1,21],[9,5,9,11],[9,17,9,18],[14,15,14,21],[14,10,14,13]]}
[]
[null,null,"FHA Streamline Seasoning Requirement"]
[]
[null,null,"On the date of the FHA case number assignment:"]
[null,null,"1.)  The borrower must have made at least six (6) payments on the FHA-insured Mortgage that is being refinanced."]
[null,null,"2.)  At least six (6) full months must have passed since the first payment due date of the Mortgage that is being refinanced."]
[null,null,"3.)  At least 210 days must have passed from the Closing Date that is being refinanced, and"]
[null,null,"4.)  If the borrower assumed the Mortgage that is being refinanced, they must have made six (6) payments since the time of assumption."]
[]
[null,null,null,null,"Borrower: ",null,null,null,null,null,null,null,null,null,null,null,"Loan Number: "]
[]
[]
[null,null,null,null,"Calculated Date",null,null,"Enter Data"]
[]
[null,null,"1.)",null,null,null,null,null,null,null,"Last payment the borrower made (for which month's pymt)?",null,null,null,null,{"$f":"IF(H15=\"\",AA26,IF(Y15<>1,AA27,IF(Z15<5,\"Borrower must make \"&AA15&\" more monthly payment(s).\",\"\")))","v":"Enter the most recent month's payment made by the borrower (not the date the payment was made)."},null,null,null,null,null,null,null,null,{"$f":"DAY(H15)","v":0},{"$f":"DATEDIF(H17,H15,\"m\")","v":0},{"$f":"5-Z15","v":5}]
[]
[null,null,"2.)",null,{"$f":"IF(H17=\"\",\"\",EDATE(H17,6))","v":""},null,null,null,null,null,"1st Payment Date (see Note) of loan being refinanced",null,null,null,null,{"$f":"IF(H17=\"\",AA28,IF(H17>TODAY(),AA29,IF(Z17<>1,AA30,\"\")))","v":"Enter 1st Pymt Date based on Note."},null,null,null,null,null,null,null,null,{"$f":"H17-DAY(H17)+1","v":"1900-01-01"},{"$f":"DAY(H17)","v":0}]
[]
[null,null,"3.)",null,{"$f":"IF(H19=\"\",\"\",H19+210)","v":""},null,null,null,null,null,"Closing Date (Note Date) of loan being refinanced",null,null,null,null,{"$f":"IF(H19=\"\",AA31,IF(H19>TODAY(),AA32,IF(H17=\"\",AA38,IF(H19>H17,AA39,\"\"))))","v":"Enter Closing Date of loan being refinanced."}]
[]
[null,null,"4.)",null,null,null,null,null,null,null,"Did borrower assume the Mortgage being refinanced?  (use drop down)",null,null,null,null,{"$f":"IF(H21=\"\",\"Answer question to left.\",IF(H21=\"No\",\"\",IF(AND(H21=\"Yes\",H23=\"\"),\"Answer next question.\",\"\")))","v":"Answer question to left."}]
[]
[null,null,null,null,null,null,null,null,null,null,"If borrower assumed Mortgage being refi'd, enter # of pymts borrower has made since time of assumption.",null,null,null,null,null,null,{"$f":"IF(H21=\"\",\"\",IF(H21=\"No\",\"\",IF(AND(H21=\"Yes\",H23=\"\"),\"Answer question to left.\",IF(H23<6,\"Borrower must make \"&AA23&\" more monthly payment(s).\",\"\"))))","v":""},null,null,null,null,null,null,null,null,{"$f":"IF(H23<6,6-H23,\"\")","v":6}]
[]
[]
[null,null,null,null,{"$f":"IF(AND(E17=\"\",E19=\"\"),\"\",MAX(E17,E19))","v":""},null,null,null,null,null,"Enter Date of FHA Case Number Assignment, if one is in the file.",null,null,null,null,{"$f":"IF(OR(P15=AA26,P17=AA28,P19=AA31,P21=AA33),\"Answer questions 1 through 4 above first.\",IF(OR(P21=AA34,R23=AA35),\"Complete second question to # 4 above.\",IF(AND(P15=AA27,P17=\"\",P19=\"\"),\"Correct data for question # 1 above.\",IF(AND(P15<>AA27,OR(P17=AA29,P17=AA30),P19<>AA32),\"Correct data for question # 2 above.\",IF(AND(P15<>AA27,P17=\"\",OR(P19=AA32,P19=AA38,P19=AA39)),\"Correct data for question # 3 above.\",IF(AND(P15=AA27,P17=\"\",P19=AA32),\"Correct data for questions # 1 and 3 above.\",IF(AND(P15=AA27,OR(P17=AA29,P17=AA30),P19=\"\"),\"Correct data for questions # 1 and 2 above.\",IF(AND(P15<>AA27,OR(P17=AA29,P17=AA30),P19=AA32),\"Correct data for questions # 2 and 3 above.\",IF(AND(P15=AA27,OR(P17=AA29,P17=AA30),P19=AA32),\"Correct data for questions # 1, 2, and 3 above.\",IF(H26>TODAY(),\"FHA Case Number Assignment to the left cannot be future dated.\",IF(AND(H26<>\"\",AA37<>\"\"),\"STOP AND ESCALATE: FHA Case Number pulled too soon.  All 4 requirements above must be met.\",IF(OR(P15<>\"\",R23<>\"\"),\"Borrower must make additional payment(s) before Case Number can be pulled.\",IF(H26=\"\",\"\",IF(H26<E26,\"STOP: Case Number was pulled before requirement # 2 or 3 above has been met.\",\"\"))))))))))))))","v":"Answer questions 1 through 4 above first."},null,null,null,null,null,null,null,null,"1 / P15","AA26","Enter the most recent month's payment made by the borrower (not the date the payment was made)."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"1 / P15","AA27","Pymt Date needs to be on the 1st of the month."]
[null,null,"Notes / Comments",null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 / P17","AA28","Enter 1st Pymt Date based on Note."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 / P17","AA29","Date entered cannot be a future date."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"2 / P17","AA30","1st Pymt Date needs to be on the 1st of the month."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3 / P19","AA31","Enter Closing Date of loan being refinanced."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3 / P19","AA32","Date entered cannot be a future date."]
[null,null,null,null,null,"Completed by: ",null,null,null,null,null,null,null,null,null,null,"Date: ",{"$f":"TODAY()","v":"2019-06-23"},null,null,null,null,null,null,"4a / P21","AA33","Answer question to left."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4a / P21","AA34","Answer next question."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"4b / R23","AA35","Answer question to left."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AA36","Borrower must make additional payment(s) before Case Number can be pulled."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"AA37",{"$f":"IF(OR(P15<>\"\",R23<>\"\"),AA36,\"\")","v":"Borrower must make additional payment(s) before Case Number can be pulled."}]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3 / P19","AA38","Must complete question 2 above."]
[null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,null,"3 / P19","AA39","ERROR: Note Date cannot be after the 1st Payment Date."]