Private Sub cmdCalcAmts_Click()

Rem ******************************************
Rem *
Rem * Calculate amounts for
Rem * UFMIP letter values
Rem * ARM letter values
Rem * FIXED 1.25 letter values
Rem *
Rem ******************************************

Dim UFMIP As Double, UFMIPRefund As Double, MMIP As Double, NewMtgPayment As Double
Dim MtgAmt As Double, BaseLoanAmt As Double, LoanMonths As Double, NewConvLoanAmt As Double
Dim MtgDate As String, DiffMonths As Double, FactMonths As Double, FactRefund As Double
Dim TempDate As Date, TempNow As Date, FactIndex As Integer
Dim Rate30 As Double, Rate15 As Double, TempMonths As Double, xr As Double

Dim OldPayment As Double, OldRate As Double, CashClosing As Double
Dim NewLoan As Double, LoanTerm As Double, NewRate As Double
Dim NewPayment As Double, SavingsAmt As Double

Dim Year1Payment0 As Double, Year1Payment10 As Double, Year1Payment25 As Double, TempLoan As Double

Rem * Initialize FactTable for FactRefund amount
Dim FactTable(1 To 84) As Double

FactTable(1) = 0.9917
FactTable(2) = 0.9833
FactTable(3) = 0.975
FactTable(4) = 0.9667
FactTable(5) = 0.9583
FactTable(6) = 0.95
FactTable(7) = 0.9417
FactTable(8) = 0.9333
FactTable(9) = 0.925
FactTable(10) = 0.9167
FactTable(11) = 0.9083
FactTable(12) = 0.9
FactTable(13) = 0.8917
FactTable(14) = 0.8833
FactTable(15) = 0.875
FactTable(16) = 0.8667
FactTable(17) = 0.8583
FactTable(18) = 0.85
FactTable(19) = 0.8417
FactTable(20) = 0.8333
FactTable(21) = 0.825
FactTable(22) = 0.8167
FactTable(23) = 0.8083
FactTable(24) = 0.8
FactTable(25) = 0.7835
FactTable(26) = 0.767
FactTable(27) = 0.7505
FactTable(28) = 0.734
FactTable(29) = 0.7175
FactTable(30) = 0.701
FactTable(31) = 0.6845
FactTable(32) = 0.668
FactTable(33) = 0.6515
FactTable(34) = 0.635
FactTable(35) = 0.6185
FactTable(36) = 0.602
FactTable(37) = 0.584
FactTable(38) = 0.566
FactTable(39) = 0.548
FactTable(40) = 0.53
FactTable(41) = 0.512
FactTable(42) = 0.494
FactTable(43) = 0.476
FactTable(44) = 0.458
FactTable(45) = 0.44
FactTable(46) = 0.422
FactTable(47) = 0.404
FactTable(48) = 0.386
FactTable(49) = 0.372
FactTable(50) = 0.358
FactTable(51) = 0.344
FactTable(52) = 0.33
FactTable(53) = 0.316
FactTable(54) = 0.302
FactTable(55) = 0.288
FactTable(56) = 0.274
FactTable(57) = 0.26
FactTable(58) = 0.246
FactTable(59) = 0.232
FactTable(60) = 0.218
FactTable(61) = 0.2068
FactTable(62) = 0.1957
FactTable(63) = 0.1845
FactTable(64) = 0.1733
FactTable(65) = 0.1622
FactTable(66) = 0.151
FactTable(67) = 0.1398
FactTable(68) = 0.1287
FactTable(69) = 0.1175
FactTable(70) = 0.1063
FactTable(71) = 0.0952
FactTable(72) = 0.084
FactTable(73) = 0.077
FactTable(74) = 0.07
FactTable(75) = 0.063
FactTable(76) = 0.056
FactTable(77) = 0.049
FactTable(78) = 0.042
FactTable(79) = 0.035
FactTable(80) = 0.028
FactTable(81) = 0.021
FactTable(82) = 0.014
FactTable(83) = 0.007
FactTable(84) = 0
   
   If txt30Year = "" Or txt15Year = "" Or txtTodayDate = "" Then
      MsgBox ("Sorry, need a value for 30 Year, 15 Year, and Letter Date mm/dd/yyyy format!")
      
   Else
      
   Rem * Loop through each record of the LEADLOAN database
   LEADLOAN.Refresh
   LEADLOAN.Recordset.MoveFirst

   Do While Not (LEADLOAN.Recordset.EOF)
      
      Rem ************************************
      Rem * calculate values for UFMIP Letter
      Rem ************************************
            
      Rem * Calculate Up Front Mortgage Insurance Premium (UFMIP)
      MtgAmt = LEADLOAN.Recordset.Fields("LoanAmt")
      BaseLoanAmt = MtgAmt / 1.015
      BaseLoanAmt = Int(BaseLoanAmt)
                        
      UFMIP = MtgAmt - BaseLoanAmt
                  
      Rem * Calculate UFMIP Refund
      MtgDate = LEADLOAN.Recordset.Fields("Date2")
      Rem * DiffMonths = Now (Today system date) - MtgDate (above)
      TempDate = CDate(MtgDate)
      TempNow = CDate(txtTodayDate)
      
      DiffMonths = DateDiff("d", TempDate, TempNow) / 30
      DiffMonths = Math.Round(DiffMonths, 0)
      FactMonths = DiffMonths + 2
      
      Rem * FactRefund = lookup FactMonths as index in FactTable
      FactIndex = FactMonths
      If (FactIndex > 0 And FactIndex < 85) Then FactRefund = FactTable(FactIndex)
      
      UFMIPRefund = UFMIP * FactRefund
      UFMIPRefund = Int(UFMIPRefund)

      Rem * Calculate Monthly Mortgage Insurance Premium (MMIP)
      MMIP = MtgAmt * 0.005 / 12
      MMIP = Math.Round(MMIP, 2)

      Rem * Calculate New Mortgage Payment
      NewConvLoanAmt = MtgAmt + 5500
      Rate30 = Val(txt30Year) * 0.01

      Rem * NewMtgPayment = Amortize for m = 360, xr = 1 + r/12, NewConvLoanAmt (principal)
      xr = 1 + (Rate30 / 12)
      NewMtgPayment = NewConvLoanAmt * xr ^ 360 * ((xr - 1) / (xr ^ 360 - 1))
      NewMtgPayment = Math.Round(NewMtgPayment, 2)
    
      Rem * only calculate for months = 360
      TempMonths = LEADLOAN.Recordset.Fields("LoanMonths")
      If TempMonths < 360 Then
         UFMIP = 0
         UFMIPRefund = 0
         MMIP = 0
         NewMtgPayment = 0
      End If
      
      Rem ************************************
      Rem * calculate values for ARM Letter
      Rem ************************************
      
      OldRate = LEADLOAN.Recordset.Fields("LoanRate")
      OldPayment = 0
      NewPayment = 0
      
      If OldRate > 0 Then
      
         xr = 1 + ((OldRate * 0.01) / 12)
            
         LoanTerm = LEADLOAN.Recordset.Fields("LoanMonths") / 12
      
         CashClosing = Val(txtCashClosing)
         NewLoan = MtgAmt + CashClosing
            
         Rem * for 30 year or 360 months
         If LoanTerm = 30 Then
           OldPayment = MtgAmt * xr ^ 360 * ((xr - 1) / (xr ^ 360 - 1))
           NewRate = Val(txt30Year)
           xr = 1 + ((NewRate * 0.01) / 12)
           NewPayment = NewLoan * xr ^ 360 * ((xr - 1) / (xr ^ 360 - 1))
         End If
      
         Rem * for 15 year or 180 months
         If LoanTerm = 15 Then
            OldPayment = MtgAmt * xr ^ 180 * ((xr - 1) / (xr ^ 180 - 1))
            NewRate = Val(txt15Year)
            xr = 1 + ((NewRate * 0.01) / 12)
            NewPayment = NewLoan * xr ^ 180 * ((xr - 1) / (xr ^ 180 - 1))
         End If
                  
         OldPayment = Math.Round(OldPayment, 2)
         NewPayment = Math.Round(NewPayment, 2)
      
      End If
       
      
      Rem *****************************************
      Rem * Calculate values for FIXED 1.25 Letter
      Rem *****************************************
      
      xr = 1 + (0.0125 / 12)
      
      TempLoan = 1498.85 + (MtgAmt * 1.0154692)
      Year1Payment0 = TempLoan * xr ^ 360 * ((xr - 1) / (xr ^ 360 - 1))
      Year1Payment0 = Math.Round(Year1Payment0, 2)
                        
      TempLoan = 1498.85 + ((10000 + MtgAmt) * 1.0154692)
      Year1Payment10 = TempLoan * xr ^ 360 * ((xr - 1) / (xr ^ 360 - 1))
      Year1Payment10 = Math.Round(Year1Payment10, 2)
            
      TempLoan = 1498.85 + ((25000 + MtgAmt) * 1.0154692)
      Year1Payment25 = TempLoan * xr ^ 360 * ((xr - 1) / (xr ^ 360 - 1))
      Year1Payment25 = Math.Round(Year1Payment25, 2)
                  
      Rem ******************************
      Rem * save the calculated values
      Rem ******************************
      
      LEADLOAN.Recordset.Edit
      
      Rem * UFMIP letter values
      LEADLOAN.Recordset.Fields("UFMIP") = UFMIP
      LEADLOAN.Recordset.Fields("UFMIPRefund") = UFMIPRefund
      LEADLOAN.Recordset.Fields("MMIP") = MMIP
      LEADLOAN.Recordset.Fields("NewMtgPayment") = NewMtgPayment
      
      Rem * ARM letter values
      LEADLOAN.Recordset.Fields("OldPayment") = OldPayment
      LEADLOAN.Recordset.Fields("NewPayment") = NewPayment
      
      Rem * FIXED 1.25 letter values
      LEADLOAN.Recordset.Fields("Year1Payment0") = Year1Payment0
      LEADLOAN.Recordset.Fields("Year1Payment10") = Year1Payment10
      LEADLOAN.Recordset.Fields("Year1Payment25") = Year1Payment25
                 
      Rem * Update and move to next record
      LEADLOAN.Recordset.Update
      LEADLOAN.Recordset.MoveNext
                      
   Loop
   
   grdLeadLoan.Visible = True
   
   MsgBox ("Reached EOF -- All Amounts Calculated!")
   
   End If
      
End Sub

Private Sub cmdExit_Click()
   
   Unload Me

End Sub

Private Sub cmdGenLetters_Click()

Rem ******************************************
Rem *
Rem * Generate HTML Letters based on
Rem * selected format and amounts calculated
Rem *
Rem ******************************************

Dim UFMIP As String, UFMIPRefund As String, MMIP As String, NewMtgPayment As String
Dim FirstName1 As String, MidName1 As String, LastName1 As String, Suffix1 As String, FirstName2 As String, MidName2 As String, LastName2 As String, Suffix2 As String
Dim MailAddress As String, MailCity As String, MailState As String, MailZip As String, PhoneNum As String
Dim PropAddress As String, PropCity As String, PropZip As String
Dim APR As String, LOName As String, LOPhone As String, LoanType As String
Dim TodayDate As String, LetterDate As String, FileExt As Integer

Dim LoanAmt As String, OldPayment As String, CashClosing As String
Dim NewLoan As String, LoanTerm As String, NewRate As String
Dim NewPayment As String, SavingsAmt As String, LenderName As String

Dim New30Year As String, New15Year As String

Dim LoanDate As String, NumMonths As Double
Dim LOTitle As String, LOCity As String
Dim Year1Payment0 As String, Year1Payment10 As String, Year1Payment25 As String
Dim Year2Payment0 As String, Year2Payment10 As String, Year2Payment25 As String
Dim Year3Payment0 As String, Year3Payment10 As String, Year3Payment25 As String

Dim ScanFile As String, ScanLine As String, LetterFile As String
Dim WhichLetter As String, DoLetter As String

   ScanFile = txtLetterFile
   FileExt = 0
   
   APR = txtAPR
   TodayDate = txtTodayDate
   LetterDate = txtLetterDate
   
   LOName = txtLOName
   LOPhone = txtLOPhone
   LOTitle = txtLOTitle
   LOCity = txtLOCity
   
   New30Year = txt30Year
   New15Year = txt15Year
   CashClosing = txtCashClosing
   WhichLetter = ""
   DoLetter = ""
         
   If ScanFile = "" Or APR = "" Or TodayDate = "" Or LetterDate = "" Or LOName = "" Or LOPhone = "" Or LOTitle = "" Or LOCity = "" Or CashClosing = "" Or New30Year = "" Or New15Year = "" Then
      MsgBox ("Sorry, need values for Letter File Name, APR, Today and Letter Date, LO Name, LO Phone, LOTitle, LOCity, CashClosing, Rate30Year, Rate15Year!")

   Else

      If optLetter1 Then
        If (MsgBox("This will generate all the HTML letters for FHA to Conventional -- ARE YOU READY?", vbYesNo, "Generate All Letters?") = vbYes) Then WhichLetter = "FHACONV"
      End If
              
      If optLetter2 Then
         If (MsgBox("This will generate all the HTML letters for ARM Mortgages -- ARE YOU READY?", vbYesNo, "Generate All Letters?") = vbYes) Then WhichLetter = "ARM"
      End If
            
      If optLetter3 Then
         If (MsgBox("This will generate all the HTML letters for FIXED 1.25 -- ARE YOU READY?", vbYesNo, "Generate All Letters?") = vbYes) Then WhichLetter = "FIXED"
      End If
      
      If WhichLetter <> "" Then
            
      Rem * Loop through each record of the LEADLOAN database
      LEADLOAN.Refresh
      LEADLOAN.Recordset.MoveFirst
      
      Do While Not (LEADLOAN.Recordset.EOF)
      
         FirstName1 = LEADLOAN.Recordset.Fields("FirstName1")
         MidName1 = LEADLOAN.Recordset.Fields("MidName1")
         LastName1 = LEADLOAN.Recordset.Fields("LastName1")
         Suffix1 = LEADLOAN.Recordset.Fields("Suffix1")
         FirstName2 = LEADLOAN.Recordset.Fields("FirstName2")
         MidName2 = LEADLOAN.Recordset.Fields("MidName2")
         LastName2 = LEADLOAN.Recordset.Fields("LastName2")
         Suffix2 = LEADLOAN.Recordset.Fields("Suffix2")
         
         MailAddress = LEADLOAN.Recordset.Fields("MailAddress")
         MailCity = LEADLOAN.Recordset.Fields("MailCity")
         MailState = LEADLOAN.Recordset.Fields("MailState")
         MailZip = LEADLOAN.Recordset.Fields("MailZip")
         PhoneNum = LEADLOAN.Recordset.Fields("PhoneNum")
         PropAddress = LEADLOAN.Recordset.Fields("PropAddress")
         PropCity = LEADLOAN.Recordset.Fields("PropCity")
         PropZip = LEADLOAN.Recordset.Fields("PropZip")
                  
         LoanType = LEADLOAN.Recordset.Fields("LoanType")
         LoanTerm = Trim(Str(LEADLOAN.Recordset.Fields("LoanMonths") / 12))
         LoanAmt = Trim(Str(LEADLOAN.Recordset.Fields("LoanAmt")))
         CashClosing = Trim(txtCashClosing)
         NewLoan = Trim(Str(Val(LoanAmt) + Val(CashClosing)))
         LenderName = LEADLOAN.Recordset.Fields("LenderName")
         
         If LoanTerm = "30" Then NewRate = New30Year
         If LoanTerm = "15" Then NewRate = New15Year
         
         LoanDate = LEADLOAN.Recordset.Fields("Date2")
         
         Rem * get UFMIP letter values
         UFMIP = Str(LEADLOAN.Recordset.Fields("UFMIP"))
         UFMIPRefund = Str(LEADLOAN.Recordset.Fields("UFMIPRefund"))
         MMIP = Str(LEADLOAN.Recordset.Fields("MMIP"))
         NewMtgPayment = Str(LEADLOAN.Recordset.Fields("NewMtgPayment"))
         
         Rem * get ARM letter values
         OldPayment = Trim(Str(LEADLOAN.Recordset.Fields("OldPayment")))
         NewPayment = Trim(Str(LEADLOAN.Recordset.Fields("NewPayment")))
         SavingsAmt = Trim(Str(Math.Round(Val(OldPayment) - Val(NewPayment), 2)))
         
         Rem * get FIXED 1.25 letter values
         Year1Payment0 = Trim(Str(LEADLOAN.Recordset.Fields("Year1Payment0")))
         Year1Payment10 = Trim(Str(LEADLOAN.Recordset.Fields("Year1Payment10")))
         Year1Payment25 = Trim(Str(LEADLOAN.Recordset.Fields("Year1Payment25")))
         
         Year2Payment0 = Trim(Str(Math.Round(Val(Year1Payment0) * 1.075, 2)))
         Year2Payment10 = Trim(Str(Math.Round(Val(Year1Payment10) * 1.075, 2)))
         Year2Payment25 = Trim(Str(Math.Round(Val(Year1Payment25) * 1.075, 2)))
                           
         Year3Payment0 = Trim(Str(Math.Round(Val(Year2Payment0) * 1.075, 2)))
         Year3Payment10 = Trim(Str(Math.Round(Val(Year2Payment10) * 1.075, 2)))
         Year3Payment25 = Trim(Str(Math.Round(Val(Year2Payment25) * 1.075, 2)))
                  
         Rem * NumMonths = Now (Today) - LoanDate (above)
         NumMonths = DateDiff("d", CDate(LoanDate), CDate(TodayDate)) / 30
         NumMonths = Math.Round(NumMonths, 0)
         
         Rem * add a trailing 0 if $xx.x
         If Len(MMIP) > 1 Then
            If Mid(MMIP, Len(MMIP) - 1, 1) = "." Then MMIP = MMIP & "0"
         End If
         If Len(NewMtgPayment) > 1 Then
            If Mid(NewMtgPayment, Len(NewMtgPayment) - 1, 1) = "." Then NewMtgPayment = NewMtgPayment & "0"
         End If
         If Len(OldPayment) > 1 Then
            If Mid(OldPayment, Len(OldPayment) - 1, 1) = "." Then OldPayment = OldPayment & "0"
         End If
         If Len(NewPayment) > 1 Then
            If Mid(NewPayment, Len(NewPayment) - 1, 1) = "." Then NewPayment = NewPayment & "0"
         End If
         If Len(SavingsAmt) > 1 Then
            If Mid(SavingsAmt, Len(SavingsAmt) - 1, 1) = "." Then SavingsAmt = SavingsAmt & "0"
         End If
         If Mid(Year1Payment0, Len(Year1Payment0) - 1, 1) = "." Then Year1Payment0 = Year1Payment0 & "0"
         If Mid(Year1Payment10, Len(Year1Payment10) - 1, 1) = "." Then Year1Payment10 = Year1Payment10 & "0"
         If Mid(Year1Payment25, Len(Year1Payment25) - 1, 1) = "." Then Year1Payment25 = Year1Payment25 & "0"
         If Mid(Year2Payment0, Len(Year2Payment0) - 1, 1) = "." Then Year2Payment0 = Year2Payment0 & "0"
         If Mid(Year2Payment10, Len(Year2Payment10) - 1, 1) = "." Then Year2Payment10 = Year2Payment10 & "0"
         If Mid(Year2Payment25, Len(Year2Payment25) - 1, 1) = "." Then Year2Payment25 = Year2Payment25 & "0"
         If Mid(Year3Payment0, Len(Year3Payment0) - 1, 1) = "." Then Year3Payment0 = Year3Payment0 & "0"
         If Mid(Year3Payment10, Len(Year3Payment10) - 1, 1) = "." Then Year3Payment10 = Year3Payment10 & "0"
         If Mid(Year3Payment25, Len(Year3Payment25) - 1, 1) = "." Then Year3Payment25 = Year3Payment25 & "0"
         
         Rem * add comma if amount 1,000 or greater
         If Val(Trim(UFMIPRefund)) > 999.99 Then UFMIPRefund = Left(Trim(UFMIPRefund), 1) & "," & Right(Trim(UFMIPRefund), Len(Trim(UFMIPRefund)) - 1)
         If Val(Trim(UFMIP)) > 999.99 Then UFMIP = Left(Trim(UFMIP), 1) & "," & Right(Trim(UFMIP), Len(Trim(UFMIP)) - 1)
         If Val(Trim(NewMtgPayment)) > 999.99 Then NewMtgPayment = Left(Trim(NewMtgPayment), 1) & "," & Right(Trim(NewMtgPayment), Len(Trim(NewMtgPayment)) - 1)
         If Val(Trim(OldPayment)) > 999.99 Then OldPayment = Left(Trim(OldPayment), 1) & "," & Right(Trim(OldPayment), Len(Trim(OldPayment)) - 1)
         If Val(Trim(NewPayment)) > 999.99 Then NewPayment = Left(Trim(NewPayment), 1) & "," & Right(Trim(NewPayment), Len(Trim(NewPayment)) - 1)
         If Val(Trim(CashClosing)) > 999.99 Then CashClosing = Left(Trim(CashClosing), 1) & "," & Right(Trim(CashClosing), Len(Trim(CashClosing)) - 1)
         
         Rem * add comma if amount 100,000 or 10,000 or 1,000 or greater
         
         If Val(Trim(LoanAmt)) > 99999.99 Then LoanAmt = Left(Trim(LoanAmt), 3) & "," & Right(Trim(LoanAmt), Len(Trim(LoanAmt)) - 3)
         If Val(Trim(LoanAmt)) > 9999.99 And Val(Trim(LoanAmt)) < 100000 Then LoanAmt = Left(Trim(LoanAmt), 2) & "," & Right(Trim(LoanAmt), Len(Trim(LoanAmt)) - 2)
         If Val(Trim(LoanAmt)) > 999.99 And Val(Trim(LoanAmt)) < 10000 Then LoanAmt = Left(Trim(LoanAmt), 1) & "," & Right(Trim(LoanAmt), Len(Trim(LoanAmt)) - 1)
                 
         If Val(Trim(NewLoan)) > 99999.99 Then NewLoan = Left(Trim(NewLoan), 3) & "," & Right(Trim(NewLoan), Len(Trim(NewLoan)) - 3)
         If Val(Trim(NewLoan)) > 9999.99 And Val(Trim(NewLoan)) < 100000 Then NewLoan = Left(Trim(NewLoan), 2) & "," & Right(Trim(NewLoan), Len(Trim(NewLoan)) - 2)
         If Val(Trim(NewLoan)) > 999.99 And Val(Trim(NewLoan)) < 10000 Then NewLoan = Left(Trim(NewLoan), 1) & "," & Right(Trim(NewLoan), Len(Trim(NewLoan)) - 1)
         
         Rem * remove extra middle initial at end of first name
         If Len(FirstName1) > 1 Then
            If Mid(FirstName1, Len(FirstName1) - 1, 1) = " " Then FirstName1 = Left(FirstName1, Len(FirstName1) - 2)
         End If
         
         If Len(FirstName2) > 1 Then
            If Mid(FirstName2, Len(FirstName2) - 1, 1) = " " Then FirstName2 = Left(FirstName2, Len(FirstName2) - 2)
         End If
         
         Rem * show Christopher instead of Christophe
         If FirstName1 = "Christophe" Then FirstName1 = "Christopher"
         If FirstName2 = "Christophe" Then FirstName2 = "Christopher"
         
         Rem * if we have valid UFMIP values, the phone is okay, and Loan is Fixed
         DoLetter = "NO"
                  
         If WhichLetter = "FHACONV" And Trim(UFMIP) <> "0" And PhoneNum <> "NON-SOLICITATION" And LoanType = "F" Then DoLetter = "YES"
         If WhichLetter = "ARM" And PhoneNum <> "NON-SOLICITATION" And Val(SavingsAmt) > 49 Then DoLetter = "YES"
         If WhichLetter = "FIXED" And PhoneNum <> "NON-SOLICITATION" Then DoLetter = "YES"
                  
         If DoLetter = "YES" Then
                         
            Rem * set the correct file name for output
            LetterFile = ScanFile & Str(FileExt) & ".htm"
            Open LetterFile For Output As #1
            
            If WhichLetter = "FHACONV" Then
                        
            Rem * begin generating HTML code for this Letter
                        
            ScanLine = "<html><head><title>Convert FHA To Conventional</title></head>"
            Print #1, ScanLine
                       
            ScanLine = "<body><center><font size='5'><b>Mortgage In Minutes, Inc.</b></font><hr width='90%' size='3' color='#000000'><font size='2'>19321 U.S. Hwy 19 North, Fifth Floor </font><font size='5'><b>.</b></font><font size='2'> Clearwater, FL 33764 </font><font size='5'><b>.</b></font><font size='2'> Phone (727) 210-0808 x " & txtLOExt & "</font></center><br><br><br>"
            Print #1, ScanLine
            
            ScanLine = "<table border='0' cellpadding='0' cellspacing='0' width='100%'>"
            Print #1, ScanLine
                        
            ScanLine = "<tr><td width='75%' valign='bottom'>" & FirstName1
            If MidName1 <> "" Then ScanLine = ScanLine & " " & MidName1 & "."
            ScanLine = ScanLine & " " & LastName1 & "<br>"
            Print #1, ScanLine
            
            If FirstName2 <> "" Then
               ScanLine = FirstName2
               If MidName2 <> "" Then ScanLine = ScanLine & " " & MidName2 & "."
               ScanLine = ScanLine & " " & LastName2 & "<br>"
               Print #1, ScanLine
            End If
            
            ScanLine = MailAddress & "<br>"
            Print #1, ScanLine
            
            ScanLine = MailCity & ", " & MailState & " " & MailZip & "</td>"
            Print #1, ScanLine
            
            ScanLine = "<td width='25%' valign='bottom'>" & LetterDate & "</td></tr></table>"
            Print #1, ScanLine
            
            ScanLine = "<p>Re: <b>FHA M.I.P. Refund Due of <u>$" & Trim(UFMIPRefund) & ".</p></u></b>"
            Print #1, ScanLine
                        
            ScanLine = "<p>Dear " & FirstName1 & " and " & FirstName2 & ",</p>"
            If FirstName2 = "" Then ScanLine = "<br><p>Dear " & FirstName1 & ",</p>"
            Print #1, ScanLine
            
            ScanLine = "<p>When you originally obtained your FHA mortgage, up to <b><font SIZE='5'>$" & Trim(UFMIP) & "</font></b>"
            Print #1, ScanLine
            
            ScanLine = " was added to your loan amount for the Up-Front Mortgage Insurance Premium."
            Print #1, ScanLine
            
            ScanLine = " Since that time, values have gone up in some areas in Pinellas County <b><font SIZE='5'>20% to 30%.</font></b>"
            Print #1, ScanLine
            
            ScanLine = "<b><font SIZE='5'>You will get part of this money back</font></b>"
            Print #1, ScanLine
            
            ScanLine = " when you convert to a low rate conventional loan.</p>"
            Print #1, ScanLine
            
            ScanLine = "<p>You may convert to a conventional loan at an <b><font SIZE='5'>Annual Percentage Rate </font></b>that is at or below <b>"
            Print #1, ScanLine
            
            ScanLine = "<font SIZE='5'>" & APR & "%.</p></font></b>"
            Print #1, ScanLine
            
            ScanLine = "<p>Your new principal and interest <b><font SIZE='5'>payment</font></b> will be approximately <b>"
            Print #1, ScanLine
            
            ScanLine = "<font SIZE='5'>$" & Trim(NewMtgPayment) & "/mo.</font></b> If this amount is lower than your current payment, please contact me today.</p>"
            Print #1, ScanLine
            
            ScanLine = "<blockquote><p>Some of the many benefits of refinancing to a <b>"
            Print #1, ScanLine
            
            ScanLine = "<font SIZE='5'>Conventional Loan</font></b> are:</p>"
            Print #1, ScanLine
            
            ScanLine = "<ul><li><font SIZE='5'><b>Lower</b></font> your current <b><font SIZE='5'>Interest rate!</li></font></b>"
            Print #1, ScanLine
            
            ScanLine = "<font SIZE='5'><li><b>Eliminate </b></font>all or part of your mortgage insurance <font SIZE='5'><b>Saving You</b></font>"
            Print #1, ScanLine
            
            ScanLine = "approximately <b><font SIZE='5'>$" & Trim(MMIP) & "/month.</li></font></b>"
            Print #1, ScanLine
            
            ScanLine = "<li><b><font SIZE='5'><u>Skip</u></font></b> a house payment!</li>"
            Print #1, ScanLine
            
            ScanLine = "<li>Little, if any out of pocket costs!</li>"
            Print #1, ScanLine
            
            ScanLine = "<li>Get <b><u><font SIZE='5'>CASH</font></u></b> back program available!</li>"
            Print #1, ScanLine
            
            ScanLine = "<b><li>Get back </b><u>Up Front Mortgage Premium</u> of approximately <b><u><font SIZE='5'>$" & Trim(UFMIPRefund) & ".</li></font></u>"
            Print #1, ScanLine
            
            ScanLine = "<font SIZE='5'><li><u>Easy</u></font></b> Qualifying!</li></ul></blockquote></blockquote>"
            Print #1, ScanLine
            
            ScanLine = "<b><font SIZE='5'><p ALIGN='CENTER'>For details call " & LOName & " at:<br>"
            Print #1, ScanLine
            
            ScanLine = "Cell: </font><font SIZE='6'>" & LOPhone & "<br></font>"
            Print #1, ScanLine
            
            ScanLine = "<font SIZE='2'>If busy, leave message for call back, thanks.</p></font>"
            Print #1, ScanLine
            
            ScanLine = "<p ALIGN='CENTER'>NOTE: You may not receive a second notice.</p></b>"
            Print #1, ScanLine
            
            ScanLine = "</body></html>"
            Print #1, ScanLine
            
            End If
            
            If WhichLetter = "ARM" Then
            
            Rem * begin generating HTML code for this Letter
            
            ScanLine = "<html><head><title>ARM Mortgage Letters</title></head>"
            Print #1, ScanLine
                       
            ScanLine = "<body><center><font size='5'><b>Mortgage In Minutes, Inc.</b></font><hr width='90%' size='3' color='#000000'><font size='2'>19321 U.S. Hwy 19 North, Fifth Floor </font><font size='5'><b>.</b></font><font size='2'> Clearwater, FL 33764 </font><font size='5'><b>.</b></font><font size='2'> Phone (727) 210-0808 x " & txtLOExt & "</font></center><br>"
            Print #1, ScanLine
            
            ScanLine = "<table border='0' cellpadding='0' cellspacing='0' width='100%'>"
            Print #1, ScanLine
                        
            ScanLine = "<tr><td width='65%' valign='bottom'><blockquote>" & FirstName1
            If MidName1 <> "" Then ScanLine = ScanLine & " " & MidName1 & "."
            ScanLine = ScanLine & " " & LastName1 & "<br>"
            Print #1, ScanLine
            
            If FirstName2 <> "" Then
               ScanLine = FirstName2
               If MidName2 <> "" Then ScanLine = ScanLine & " " & MidName2 & "."
               ScanLine = ScanLine & " " & LastName2 & "<br>"
               Print #1, ScanLine
            End If
            
            ScanLine = MailAddress & "<br>"
            If MailAddress = "" Then ScanLine = PropAddress & "<br>"
            Print #1, ScanLine
            
            ScanLine = MailCity & ", " & MailState & " " & MailZip & "<br><br>"
            If MailAddress = "" Then ScanLine = PropCity & ", " & "FL" & " " & PropZip & "<br><br>"
            Print #1, ScanLine
            
            ScanLine = "Re: <b>" & LenderName & "</b></blockquote></td>"
            Print #1, ScanLine
            
            ScanLine = "<td width='35%' valign='middle'>" & LetterDate
            If PropAddress <> "" And PropZ5 <> MailZ5 Then ScanLine = ScanLine & "<br><br>Property: " & PropAddress
            ScanLine = ScanLine & "</td></tr></table>"
            Print #1, ScanLine
            
            ScanLine = "<br>Dear " & FirstName1 & " and " & FirstName2 & ",<br>"
            If FirstName2 = "" Then ScanLine = "<br>Dear " & FirstName1 & ",<br>"
            Print #1, ScanLine
            
            ScanLine = "<p><b>If you had the opportunity to save <font size='4'><u>$" & SavingsAmt & " per month</u></font> or more on your mortgage payment, would you do it? The Federal Reserve has lowered interest rates and I have taken the liberty of providing you with a personal analysis.</b></p>"
            Print #1, ScanLine
            
            ScanLine = "<p>Hello, my name is <b>" & LOName & "</b> with Mortgage In Minutes, Inc. I am a Licensed Mortgage Broker located here in central Florida serving customers throughout the state. As a home owner you qualify for a <b><u>free review of your mortgage</u></b>. We understand your time is valuable. Unlike most banks and lenders, we can come to you. Call me today to start saving money right away!</p>"
            Print #1, ScanLine
            
            ScanLine = "<p align='center'><b><font size='4'>WE CAN LOWER YOUR PAYMENTS AND SAVE YOU MONEY!</font></b></p>"
            Print #1, ScanLine
            
            ScanLine = "<p>Rates are lower! You may qualify for a better mortgage than you have today. Why waste thousands of dollars towards unnecessary interest payments? If you have an Adjustable Rate Mortgage, why have the uncertainty of not knowing what your payment and rate will be from one month to the next? Now is the time to lock in a low, fixed interest rate.</p>"
            Print #1, ScanLine
            
            ScanLine = "<p align='center'>Slow Credit OK! - Debt Consolidation - Additional Cash - Home Improvements - No Problem!</p>"
            Print #1, ScanLine
            
            ScanLine = "<p align='center'><b>Proposed Loan<sup>*</sup> for " & FirstName1
            If FirstName2 <> "" Then ScanLine = ScanLine & " and " & FirstName2
            ScanLine = ScanLine & "</b></p>"
            Print #1, ScanLine
            
            ScanLine = "<table border='2' cellpadding='0' cellspacing='0' width='100%'>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='43%'>Current Mortgage: " & LenderName & "</td><td width='23%'>Balance: $" & LoanAmt & "</td><td width='34%'>Payment: $" & OldPayment & "</td></tr>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='43%'>Term of New Loan</td><td width='23%'></td><td width='34%'>" & LoanTerm & "</td></tr>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='43%'><b>Rate of Interest</b></td><td width='23%'></td><td width='34%'><b>" & NewRate & "%</b></td></tr>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='43%'><b><font size='5'>New Monthly Payment</font></b></td><td width='23%'></td><td width='34%'><b><font size='5'>$" & NewPayment & "</font></b></td></tr>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='43%'><b><font size='5'>New Monthly Savings</font></b></td><td width='23%'></td><td width='34%' align='right'><b><font size='5'>$" & SavingsAmt & "</font></b></td></tr></table>"
            Print #1, ScanLine
            
            ScanLine = "<b><p align='left'>I look forward to hearing from you soon. Please call me direct any time so I can start saving you money!</p>"
            Print #1, ScanLine
            
            ScanLine = "<br><p align='center'><font size='6'>For details call " & LOName & " at " & LOPhone & "</font><br>"
            Print #1, ScanLine
            
            ScanLine = "<font size='2'>If busy, leave message for call back, thanks.</font><br>NOTE: You may not receive a second notice.<br></b>"
            Print #1, ScanLine
            
            ScanLine = "<font size='1' face='Arial'><sup>*</sup>Rates subject to change without notice, normal credit approval required. APR " & APR & "%</font></p>"
            Print #1, ScanLine
            
            ScanLine = "</body></html>"
            Print #1, ScanLine
            
            End If
            
            If WhichLetter = "FIXED" Then
            
            Rem * begin generating HTML code for this Letter
            
            ScanLine = "<html><head><title>FIXED 1.25 Mortgage Letters</title></head>"
            Print #1, ScanLine
                       
            ScanLine = "<body><center><font size='5'><b>Mortgage In Minutes, Inc.</b></font><hr width='90%' size='3' color='#000000'><font size='2'>19321 U.S. Hwy 19 North, Fifth Floor </font><font size='5'><b>.</b></font><font size='2'> Clearwater, FL 33764 </font><font size='5'><b>.</b></font><font size='2'> Phone (727) 210-0808 x " & txtLOExt & "</font></center><br>"
            Print #1, ScanLine
            
            ScanLine = "<table border='0' cellpadding='0' cellspacing='0' width='100%'>"
            Print #1, ScanLine
                        
            ScanLine = "<tr><td width='65%' valign='bottom'><blockquote>" & FirstName1
            If MidName1 <> "" Then ScanLine = ScanLine & " " & MidName1 & "."
            ScanLine = ScanLine & " " & LastName1 & "<br>"
            Print #1, ScanLine
            
            If FirstName2 <> "" Then
               ScanLine = FirstName2
               If MidName2 <> "" Then ScanLine = ScanLine & " " & MidName2 & "."
               ScanLine = ScanLine & " " & LastName2 & "<br>"
               Print #1, ScanLine
            End If
            
            ScanLine = MailAddress & "<br>"
            Print #1, ScanLine
            
            ScanLine = MailCity & ", " & MailState & " " & MailZip & "<br><br>"
            Print #1, ScanLine
            
            ScanLine = "Re: <b>" & LenderName & "</b></blockquote></td>"
            Print #1, ScanLine
            
            ScanLine = "<td width='35%' valign='middle'>" & LetterDate
            ScanLine = ScanLine & "</td></tr></table>"
            Print #1, ScanLine
            
            ScanLine = "<br>Dear " & FirstName1 & " and " & FirstName2 & ",<br>"
            If FirstName2 = "" Then ScanLine = "<br>Dear " & FirstName1 & ",<br>"
            Print #1, ScanLine

            ScanLine = "<p><b>Public records indicate you may still be making payments on the mortgage originated with " & LenderName & " on " & LoanDate & ". If this information is correct and you have benefited from an increase in the appraised value of your home over the past " & Trim(Str(NumMonths)) & " months, then you may qualify for a new payment of $" & Year1Payment0 & " per month!</b></p>"
            Print #1, ScanLine
            
            ScanLine = "<p>Hello, my name is <b>" & LOName & "</b> and I am a " & LOTitle & " who has the pleasure of serving clients in " & LOCity & ". As a recipient of this letter you qualify for a <b><u>free review of your mortgage</u></b>. We understand your time is valuable. Unlike most banks and lenders, we can come to you. Call me today to start saving money right away!</p>"
            Print #1, ScanLine
            
            ScanLine = "<p align='center'><b><font size='4'>1.25% PAYMENT RATE IS FIXED FOR THE 1st YEAR!</font></b></p>"
            Print #1, ScanLine
            
            ScanLine = "<p>What do my clients do with their increased cash flow? They put their money to work for themselves in a variety of ways. The equity is yours....the choice is yours:</p>"
            Print #1, ScanLine
            
            ScanLine = "<p align='center'>Debt Consolidation - Home Improvement - Invest for Retirement - Education</p>"
            Print #1, ScanLine
            
            ScanLine = "<p align='center'><b>Proposed Loan<sup>*</sup> for " & FirstName1
            If FirstName2 <> "" Then ScanLine = ScanLine & " and " & FirstName2
            ScanLine = ScanLine & "</b></p>"
            Print #1, ScanLine
            
            ScanLine = "<p align='left'><font size='1' face='Arial'>The following payments are based on a first year payment rate of 1.25% (APR " & APR & "%), paying off the mortgage of $" & LoanAmt & " plus settlement costs (includes a $300 mortgage broker fee) plus any additional cash as stated in the proposal, 30 year term."
            Print #1, ScanLine
            
            ScanLine = " The following scenario assumes an increase in interest rates of no more than 30% of index value annually, deferred interest option.</font></p>"
            Print #1, ScanLine
                        
            ScanLine = "<table border='2' cellpadding='0' cellspacing='0' width='100%'>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='25%'><b>Cash to You</b></td><td width='25%'><b>0</b></td><td width='25%'><b>$10,000</b></td><td width='25%'><b>$25,000</b></td></tr>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='25%'><b>1st Year Payment</b></td><td width='25%'>$" & Year1Payment0 & "</td><td width='25%'>$" & Year1Payment10 & "</td><td width='25%'>$" & Year1Payment25 & "</td></tr>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='25%'><b>2nd Year Payment</b></td><td width='25%'>$" & Year2Payment0 & "</td><td width='25%'>$" & Year2Payment10 & "</td><td width='25%'>$" & Year2Payment25 & "</td></tr>"
            Print #1, ScanLine
            
            ScanLine = "<tr><td width='25%'><b>3rd Year Payment</b></td><td width='25%'>$" & Year3Payment0 & "</td><td width='25%'>$" & Year3Payment10 & "</td><td width='25%'>$" & Year3Payment25 & "</td></tr></table>"
            Print #1, ScanLine
            
            ScanLine = "<b><p align='center'><font size='6'>For details call " & LOName & " at " & LOPhone & "</font><br>"
            Print #1, ScanLine
            
            ScanLine = "<font size='7'><i>Call Now!!!</i></font><br>NOTE: You may not receive a second notice.<br></b>"
            Print #1, ScanLine
            
            ScanLine = "<font size='1' face='Arial'><sup>*</sup>Rates subject to change without notice, normal credit approval required. Licensed Correspondent Mortgage Lender.</font></p>"
            Print #1, ScanLine

            ScanLine = "</body></html>"
            Print #1, ScanLine

            End If
            
            Close #1
                        
            FileExt = FileExt + 1
                        
         End If
         
      LEADLOAN.Recordset.MoveNext
               
      Loop
      
      grdLeadLoan.Visible = True
      
      MsgBox ("Reached EOF -- All HTML Letters Generated!")
                  
      End If

   End If

End Sub

Private Sub cmdReadTxtFile_Click()

Rem *****************************************************
Rem *
Rem * Read Text File in comma delim format
Rem * and if valid add all fields to LEADLOAN database
Rem *
Rem *****************************************************

Dim ScanFile As String

Rem * declare all input file fields

Dim LoanState As String, CountyCode As String, LoanCounty As String
Dim FirstName1 As String, MidName1 As String, LastName1 As String, Suffix1 As String
Dim FirstName2 As String, MidName2 As String, LastName2 As String, Suffix2 As String
Dim MailAddress As String, MailCity As String, MailState As String, MailZip As String, MailZ5 As String, MailZ4 As String
Dim PhoneNum As String, PhoneDash As String
Dim PropAddress As String, PropCity As String, PropZip As String, PropZ5 As String, PropZ4 As String
Dim Date1 As String, Date2 As String, LoanType As String
Dim LoanMonths As Double, LoanRate As Double, LoanAmt As Double
Dim LenderName As String

   CommonDialog1.Filter = "Text Files (*.*) | *.TXT"
   CommonDialog1.FilterIndex = 1
   CommonDialog1.ShowOpen

   ScanFile = CommonDialog1.FileName

   lblFileName = ScanFile
   
   If ScanFile = "" Then
      MsgBox ("Sorry, No txt File Selected!")
               
   Else
   
      Open ScanFile For Input As #1
   
      Do While Not EOF(1)
   
         Rem * Get all 30 fields from LEADLOAN text file
      
         Input #1, LoanState, CountyCode, LoanCounty, FirstName1, MidName1, LastName1, Suffix1, FirstName2, MidName2, LastName2, Suffix2, MailAddress, MailCity, MailState, MailZip, MailZ5, MailZ4, PhoneNum, PhoneDash, PropAddress, PropCity, PropZip, PropZ5, PropZ4, Date1, Date2, LoanType, LoanMonths, LoanRate, LoanAmt, LenderName
               
         Rem * Put all 31 fields into LEADLOAN database as new record
            
         LEADLOAN.Recordset.AddNew
            
         LEADLOAN.Recordset.Fields("LoanState") = LoanState
         LEADLOAN.Recordset.Fields("CountyCode") = CountyCode
         LEADLOAN.Recordset.Fields("LoanCounty") = LoanCounty
         LEADLOAN.Recordset.Fields("FirstName1") = FirstName1
         LEADLOAN.Recordset.Fields("MidName1") = MidName1
         LEADLOAN.Recordset.Fields("LastName1") = LastName1
         LEADLOAN.Recordset.Fields("Suffix1") = Suffix1
         LEADLOAN.Recordset.Fields("FirstName2") = FirstName2
         LEADLOAN.Recordset.Fields("MidName2") = MidName2
         LEADLOAN.Recordset.Fields("LastName2") = LastName2
         LEADLOAN.Recordset.Fields("Suffix2") = Suffix2
         LEADLOAN.Recordset.Fields("MailAddress") = MailAddress
         LEADLOAN.Recordset.Fields("MailCity") = MailCity
         LEADLOAN.Recordset.Fields("MailState") = MailState
         LEADLOAN.Recordset.Fields("MailZip") = MailZip
         LEADLOAN.Recordset.Fields("MailZ5") = MailZ5
         LEADLOAN.Recordset.Fields("MailZ4") = MailZ4
         LEADLOAN.Recordset.Fields("PhoneNum") = PhoneNum
         LEADLOAN.Recordset.Fields("PhoneDash") = PhoneDash
         LEADLOAN.Recordset.Fields("PropAddress") = PropAddress
         LEADLOAN.Recordset.Fields("PropCity") = PropCity
         LEADLOAN.Recordset.Fields("PropZip") = PropZip
         LEADLOAN.Recordset.Fields("PropZ5") = PropZ5
         LEADLOAN.Recordset.Fields("PropZ4") = PropZ4
         LEADLOAN.Recordset.Fields("Date1") = Date1
         LEADLOAN.Recordset.Fields("Date2") = Date2
         LEADLOAN.Recordset.Fields("LoanType") = LoanType
         LEADLOAN.Recordset.Fields("LoanMonths") = LoanMonths
         LEADLOAN.Recordset.Fields("LoanRate") = LoanRate
         LEADLOAN.Recordset.Fields("LoanAmt") = LoanAmt
         LEADLOAN.Recordset.Fields("LenderName") = LenderName
               
         LEADLOAN.Recordset.Update
                 
      Loop
      
      Close #1
         
      grdLeadLoan.Visible = True
   
      MsgBox ("All Lines read from txt File and added to LEADLOAN database!")
      
   End If
      
End Sub