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{"sheet":"Instructions","index":0,"n_rows":17,"n_cols":3,"rows_kept":17,"cut":false,"hidden":false,"merged":[[5,1,5,11],[3,1,3,5]]}
["Expert Financial Services, Inc."]
["Residential Mortgage Kit"]
[]
[null,"Use this application to prepare a residential mortgage proposal for a potential borrower. Use the menu below to open the data entry form to enter and edit information about the borrower, the property, and the proposed loan."]
[]
[null,"Use the menu buttons below to complete a loan proposal. From this menu you can\nenter and edit the required information display the payment schedule, and display the Truth-in-Lending disclosure. "]
[]
[]
[null,null,"1. Enter Borrower, Property, and Loan Information"]
[]
[]
[]
[null,null,"2. Create and/or View the Loan Repayment Schedule"]
[]
[]
[]
[null,null,"3. Create and/or View the Truth-in-Lending Disclosure"]

{"sheet":"Customer Information","index":1,"n_rows":17,"n_cols":6,"rows_kept":17,"cut":false,"hidden":false,"merged":[]}
["Expert Financial Services, Inc."]
["Residential Mortgage Kit"]
[]
["Borrower Name:",null,null,null,"Investment Account?"]
["Borrower SSN:"]
[null,null,null,null,"Loan Principal:",150000]
["Current Address:"]
["City:",null,null,null,"Loan Rate:",5.7500000000000002E-2]
["State:"]
["Zip Code:",null,null,null,"Loan Term:",30]
["Home Telephone:"]
[]
["Property Address:"]
["City:"]
["State:"]
["Zip Code:"]
["Property Type:","Condo/Townhome"]

{"sheet":"Payment Schedule","index":2,"n_rows":9,"n_cols":7,"rows_kept":9,"cut":false,"hidden":false,"merged":[[3,5,3,6]]}
["Expert Financial Services, Inc."]
["Residential Mortgage Kit"]
[]
["Principal:",{"$f":"'Customer Information'!$F$6","v":150000},null,null,null,"Closing Costs"]
["Rate:",{"$f":"'Customer Information'!$F$8","v":5.7500000000000002E-2},null,null,null,"Origination Fee:",{"$f":"B4*0.02","v":3000}]
["Term:",{"$f":"'Customer Information'!$F$10","v":30},null,null,null,"Points:",{"$f":"IF('Customer Information'!F4=FALSE,B4*(B6*0.001),(B4*(B6*0.001)-(B4*0.01)))","v":4500}]
["Payment:",{"$f":"PMT(B5/12,B6*12,-B4)","v":875.35928466532948},null,null,null,"Total  Fees:",{"$f":"SUM(G5:G6)","v":7500}]
[]
["Payment\nNumber","Principal","Interest","Cumulative\nPrincipal","Cumulative\nInterest","Total Paid","Balance"]

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["Expert Financial Services, Inc."]
["Residential Mortgage Kit"]
[]
["Date:"]
["Creditor:","Expert Financial Services, Inc."]
["Borrower:"]
["Property Location:"]
[]
[]
["Annual Percentage Rate\nThe cost of your credit as a yearly Rate","Finance Charge\nThe dollar amount the credit will cost you","Amount Financed\nThe amount of credit provided to you on your behalf","Total of Payments\nThe amount you will have paid after you have made all scheduled payments"]
[]
[]
["Payment Schedule"]
["Number of Payments","Amount of Payments","When Payments are Due"]
[null,null,"First:"]
[null,null,"Last:"]