{"text_format":"1","workbook":"xlsx","n_sheets":2,"sheets":["Sheet1","Sheet2"],"not_rendered":{"charts":0,"images":0,"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":71,"n_cols":2,"rows_kept":71,"cut":false,"hidden":false,"merged":[]}
["Beginning Lending Test 4"]
[]
[1,"The questions in the application stage"]
[null,"a. Will always be the same."]
[null,"b. Will vary as they are customized according to datavisions, or answers, that are selected."]
[null,"c. May already be answered if preset within your database."]
[null,"d. Both A and C"]
[null,"e. Both B and C"]
[]
[2,"The Account ID/Select Inventory control is used to"]
[null,"a. Identify the Lender information that will print on all of the forms and files."]
[null,"b. Automatically assign the next available account number."]
[null,"c. May be used to select a training account so a practice loan will not be part of the pipeline."]
[null,"d. All of the above."]
[null,"e. A and B"]
[]
[3,"If a preset answer does not fit the type of loan the client wants, you should"]
[null,"a. Simply select another option."]
[null,"b. Close out of the account and start over."]
[]
[4,"Entering a beginning payment date is"]
[null,"a. Optional in the application stage."]
[null,"b. Required in order to calculate APR."]
[]
[5,"If needing to order a Credit Report on the borrower(s)"]
[null,"a. You most go to your preferred Credit Vendor to order the report."]
[null,"b. You may submit the Credit Report order directly from within CreativeVisions."]
[]
[6,"Answering the Property Type and Occupancy Type pick lists"]
[null,"a. Will trigger the insertion of the appropriate Rider and/or preset answers."]
[null,"b. Are optional entries which do not have to be answered."]
[]
[7,"Final Ownership of Loan is answered if"]
[null,"a. It is a secondary market loan."]
[null,"b. You are the final owner."]
[]
[8,"Hazard Insurance and County Tax amounts are entered in the application stage"]
[null,"a. Because there is no other place to enter these amounts."]
[null,"b. Because other annual amounts may be automatically calculated, and this allows you to"]
[null,"     complete the majority of your escrow entries so you may view the Escrow Disclosure when needed."]
[]
[9,"The first liquid asset you enter in the vision file"]
[null,"a. Will also need to be entered on page 2 of the Fannie Mae Application."]
[null,"b. Will load an input vision for you to enter more specific information about the asset."]
[null,"c. Will automatically pull the information entered as the first asset listed on page 2 of the Fannie Mae."]
[null,"d. Both B and C."]
[]
[10,"If the borrower(s) has additional assets which need to be entered"]
[null,"a. Close out of the input vision, and go to page 2 of the Fannie Mae Application to continue entering assets."]
[null,"b. Click on the \"Create Liquid Asset\" control to tell CV to insert another liquid asset into the vision file."]
[null,"c. Click on the \"x\" in the upper right corner of the input vision to close it, and CV will automatically create another liquid asset."]
[]
[11,"To enter the borrower(s) liabilities you will begin by"]
[null,"a. Clicking on the corresponding liability control to launch an input vision, where you may enter additional information."]
[null,"b. Right click on the control to launch an input vision."]
[]
[12,"The asset and/or liability holders on the account"]
[null,"a. Will automatically pull the borrower name(s) previously entered."]
[null,"b. May be re-defined by using the \"Asset Holders\" or \"Liability Holders\" control."]
[null,"c. All of the above."]
[]
[13,"If an estimate of the borrower's gross monthly payment was entered in the Payment Calculator stage,"]
[null," in order to obtain a more accurate calculation of ratios"]
[null,"a. Then you do not need to enter the first liability."]
[null,"b. Then you will launch the liability input vision and break down the borrower's payments separately."]
[null,"c. Let the next loan officer working on the account figure it out."]
[]
[14,"To preset loan personnel information"]
[null,"a. Scroll down in the top window of the GOALS tab and access the \"Individual Office Loan Creation Presets\" button; "]
[null,"     where you may then enter your desired answer, and turn the preset on."]
[null,"b. Enter your desired answer within the application stage vision file, and turn the preset on."]

{"sheet":"Sheet2","index":1,"n_rows":6,"n_cols":1,"rows_kept":6,"cut":false,"hidden":false,"merged":[]}
[]
["a"]
["b"]
["c"]
["d"]
["e"]