skouter/components/new.vue

<template>
<div id="new" class="page">

<h2>New Loan</h2>

<section class="loans-list">

<h3 v-for="(l, indx) in loans"
:class="sel == indx ? 'sel' : ''"
@click="() => sel = indx"
>
{{l.title}}
</h3>

<div class="add">
<svg @click="create"
xmlns="http://www.w3.org/2000/svg" width="16" height="16" fill="currentColor"
class="bi bi-plus" viewBox="0 0 16 16"> <path d="M8 4a.5.5 0 0 1 .5.5v3h3a.5.5 0
0 1 0 1h-3v3a.5.5 0 0 1-1 0v-3h-3a.5.5 0 0 1 0-1h3v-3A.5.5 0 0 1 8 4z"/> </svg>
</div>
</section>

<section class="form inputs">
<h3>Loan</h3>
<label>Name</label>
<input :value="loans[sel].title" required
@input="(e) => loans[sel].title = stripLetters(e)">
<button @click="del">Delete</button>
</section>

<section class="form inputs">

<div class="hint">
	<img class="icon" src="/assets/image/icon/question-circle.svg" alt="">
	<div class="tooltip">
		<p>Assumes borrower is not self employed, not bankrupt in the past 7
		years, a citizen, and intends to occupy the property.</p>
	</div>
</div>

<h3>Borrower</h3>
<label>Number of Borrowers</label>
<input :value="estimate.borrowers"
@input="(e) => estimate.borrowers = stripInt(e)">
<label>Credit Score</label>
<input :value="estimate.creditScore"
@input="(e) => estimate.creditScore = stripInt(e)">
<label>Monthly Income ($)</label>
<input :value="estimate.mIncome"
@input="(e) => estimate.mIncome = strip(e)">

</section>

<section class="radios form">
<h3>Transaction Type</h3>
<input selected type="radio" name="transaction_type" value="0"
v-model="estimate.transaction" >
<label>Purchase</label>
<input type="radio" name="transaction_type" value="1"
v-model="estimate.transaction">
<label>Refinance</label>
</section>

<section class="form inputs">
<h3>Property Details</h3>
<label>Price ($)</label>
<input :value="estimate.price" @input="setPrice">
<label>Type</label>
<select id="" name="" v-model="estimate.property">
	<option value="attched">Single Family Attached</option>
	<option value="detached">Single Family Detached</option>
	<option value="lorise">Lo-rise (4 stories or less)</option>
	<option value="hirise">Hi-rise (over 4 stories)</option>
</select>
</section>

<section class="radios form">
<h3>Loan Type</h3>
<input type="radio" name="loan_type" value="conv" v-model="loans[sel].type"
>
<label>Conventional</label>
<input type="radio" name="loan_type" value="fha" v-model="loans[sel].type">
<label>FHA</label>
<input type="radio" name="loan_type" value="va" v-model="loans[sel].type">
<label>VA</label>
<input type="radio" name="loan_type" value="usda" v-model="loans[sel].type">
<label>USDA</label>
</section>

<section class="form inputs">
<h3>Loan Details</h3>
<label>Loan Term (years)</label>
<input :value="loans[sel].term"
@input="(e) => loans[sel].term = strip(e)">

<label>Loan Program</label>
<select id="" name="" v-model="loans[sel].program">
	<option value="none">None</option>
</select>

<label>Loan to Value (%)</label>
<input :value="loans[sel].ltv" @input="setLtv">
<label>Loan Amount ($)</label>
<input :value="loans[sel].amount"
@input="setAmount">
<label>Housing Expense DTI (%) - Optional</label>
<input :value="loans[sel].housingDti" @input="setHousingDti">
<label>Total DTI (%) - Optional</label>
<input :value="loans[sel].dti" @input="setDti">
<label>Home Owner's Association ($/month)</label>
<input :value="loans[sel].hoa"
@input="(e) => { loans[sel].hoa = strip(e) }">

<label>Interest Rate (%)</label>
<input :value="loans[sel].interest"
@input="(e) => { loans[sel].interest = stripPerc(e) }">
<label>Days of Interest</label>
<input :value="loans[sel].interestDays"
@input="(e) => {loans[sel].interestDays = stripInt(e)}">

<label>Hazard Insurance Escrow (months)</label>
<input :value="loans[sel].hazardEscrow"
@input="(e) => {loans[sel].hazardEscrow = stripInt(e)}">
<label>Hazard Insurance ($/month)</label>
<input :value="loans[sel].hazard"
@input="(e) => {loans[sel].hazard = strip(e)}">

<label>Real Estate Tax Escrow (months)</label>
<input :value="loans[sel].taxEscrow"
@input="e => {loans[sel].taxEscrow = stripInt(e)}">
<label>Real Estate Tax ($/month)</label>
<input :value="loans[sel].tax"
@input="(e) => {loans[sel].tax = strip(e)}">
</section>

<section class="form inputs">
<h3>Fees</h3>
<div v-for="(fee, indx) in estimate.loans[sel].fees"
:key="fee.name + indx" class="fee"
>
	<label>
	${{fee.amount}} - {{fee.name}}<br>
	{{fee.type}}
	</label>
	<img width="21" height="21" src="/assets/image/icon/x-red.svg"
	@click="() => estimate.loans[sel].fees.splice(indx, 1)">
</div>
<button @click="resetFees">Reset</button>
<button @click="createFee">New</button>
</section>

<Dialog v-if="newFee" @close="() => newFee = null">
<h3>New Fee</h3>

<label>Name</label>
<input type=""
:value="newFee.name"
@input="(e) => newFee.name = stripLetters(e)">

<label>Amount</label>
<input
type=""
:value="newFee.amount"
@input="(e) => newFee.amount = strip(e)">

<select id="" name="" v-model="newFee.type">
	<option value="title">Title Company</option>
	<option value="gov">Government</option>
	<option value="lender">Lender</option>
	<option value="lender_required">Required by Lender</option>
	<option value="other">Other</option>
</select>

<button :disabled="!validFee" @click="addFee(true)">Debit</button>
<button :disabled="!validFee" @click="addFee(false)">Credit</button>
</Dialog>

<section class="form radios">
<h3>Mortgage Insurance</h3>
<input type="radio" name="transaction_type" value="transaction"
@input="e => estimate.transaction = 0"
selected="estimate.transaction == 0">
<label>1.43% - National MI</label>
<input type="radio" name="transaction_type" value="refinance"
@input="e => estimate.transaction = 1"
selected="estimate.transaction == 1">
<label>0.73% - MGIC</label>
</section>

<section class="form inputs">

	<button @click="generate">Generate</button>

	<div class="errors">
	<span v-for="e in errors">{{e}}</span>
	</div>

</section>

</div>
</template>

<script>
import Dialog from "./dialog.vue"

// The default fees of a new loan
const fees = [
	{ name: 'Processing fee', type: 'Lender Fees', amount: 500 },
	{ name: 'Underwriting fee', type: 'Lender Fees', amount: 500 },
	{ name: 'Credit Report', type: 'Services Required by Lender',
	amount: 52.50 },
	{ name: 'Appraisal', type: 'Services Required by Lender', amount: 52.50 },
	{ name: 'Title Services', type: 'Title Company', amount: 1000 },
	{ name: 'Lender\'s Title Insurance', type: 'Title Company', amount: 1599 },
	{ name: 'Owner\'s Title Insurance', type: 'Title Company', amount: 451.00 },
	{ name: 'Recording Charges', type: 'Government', amount: 99.00 },
	{ name: 'State Tax', type: 'Government', amount: 2411.00 },
]

// The default values of a new estimate
const example = {
		title: "Example",
		type: "",
		term: 0,
		ltv: 0, // Loan to home value ratio
		dti: 0,
		housingDti: 0,
		amount: 0,
		interest: 0,
		interestDays: 0,
		hazard: 0, // Hazard insurance monthly payment
		hazardEscrow: 0, // Hazard insurance escrow in months (0 is none)
		tax: 0, // Real Estate taxes monthly payment
		taxEscrow: 0, // Months to escrow (0 is none)
		hoa: 100, // Home owner's association monthly fee
		program: "",
		pud: true, // Property under development
		zip: '',
		fees: fees,
}

// The default loans on a new estimate
const loans = [
	Object.assign({}, example, {fees: createFees()}),
	Object.assign(
		Object.assign({}, example),
		{title: "Another One", fees: createFees()}
	),
]

// Default estimate fields
const estimate = {
	property: "",
	transaction: 0,
	price: 0,
	borrowers: 0,
	creditScore: 0,
	mIncome: 0,
	loans: loans,
}

const newFee = {
 	name: '', type: '', amount: 0
 }

// Clone loan from initial example as a new loan
function create() {
	this.estimate.loans.push(
		Object.assign({}, example, {fees: createFees()})
	)
}

function createFees() {
	return fees.map(f => Object.assign({}, f))
}

// Setup this.newFee for the creation dialog
function createFee() {
	this.newFee = Object.assign({}, newFee)
}

function resetFees() {
	this.estimate.loans[this.sel].fees = createFees()
}

// If valid, add the current this.newFee to the array of fees and reset
// this.newFee to null
function addFee(isDebit) {
	const fee = this.newFee
	if (!this.validFee) {
		return
	}

	if (!isDebit) fee.amount = fee.amount * -1
	this.estimate.loans[this.sel].fees.push(fee)
	this.newFee = null
}

function validFee() {
	const fee = this.newFee
	if (!fee.name || !fee.type || !fee.amount) {
		return false
	}
	
	return true
}

// Strips non-digits from an input box event and returns it's rounded integer.
// It also preserves current valid entry (.)
function strip(e) {
	let valid = e.target.value.match(/\d+\.?\d?\d?/)?.[0] ?? ""
	e.target.value = valid
	return Number(valid || 0)
}

function stripInt(e) {
	let value = parseInt(e.target.value.replace(/\D/g, '') || 0)
	e.target.value = value
	return value
}

function stripPerc(e) {
	let num = strip(e)

	if (num > 100) {
		num = 100
		e.target.value = num
	}

	if (num < 0) {
		num = 0
		e.target.value = num
	}

	return num
}

function stripLetters(e) {
	let value = (e.target.value.replace(/[^\w\s]/g, '').slice(0, 20) || '')
	e.target.value = value
	return value
}

function del() {
	if (this.loans.length > 1) {
		let x = this.sel
		this.sel = 0
		this.loans.splice(x, 1)
	}
}

// Changes loan.ltv's <input> and data() values, then syncs with data.amount
function setLtv(e) {
	let ltv = strip(e)
	let loan = this.loans[this.sel]
	if (!this.estimate.price) return

	if (ltv > 100) ltv = 100
	if (ltv < 0) ltv = 0

	loan.ltv = ltv
	loan.amount = (ltv / 100 * this.estimate.price).toFixed(2)
}

// Changes loan.amount's <input> and data() values, then syncs with data.ltv
function setAmount(e) {
	let amount = strip(e)
	let loan = this.loans[this.sel]
	if (!this.estimate.price) return

	if (amount > loan.price) amount = loan.price
	if (amount < 0) amount = 0

	loan.amount = amount
	loan.ltv = (amount / this.estimate.price * 100).toFixed(2)
}

// Updates the property price for all loans
function setPrice(e) {
	let value = strip(e)
	this.estimate.price = value
}

function setDti(e) {
	let dti = strip(e)
	let loan = this.loans[this.sel]
	if (!loan.price) return

	if (dti > 100) dti = 100
	if (dti < 0) dti = 0

	e.target.value = dti
	loan.dti = dti
}

function setHousingDti(e) {
	let housingDti = strip(e)
	let loan = this.loans[this.sel]
	if (!loan.price) return

	if (housingDti > 100) housingDti = 100
	if (housingDti < 0) housingDti = 0

	e.target.value = housingDti
	loan.housingDti = housingDti
}

function generate() {
	this.errors = this.validate()
}

function validate() {
	let errors = []
	const estimate = this.estimate

	// Alternative attribute names for error messages
	const names = {
		term: "loan term",
		ltv: "loan to value",
		hazard: "hazard insurance",
		hazardEscrow: "hazard insurance escrow",
	}

	if (!estimate.property) {
		errors.push("Missing property type.")
	} else if (!estimate.price) {
		errors.push("Missing property price.")
	} else if (!estimate.borrowers) {
		errors.push("Missing number of borrowers.")
	} else if (!estimate.creditScore) {
		errors.push("Missing credit score.")
	} else if (!estimate.mIncome) {
		errors.push("Missing monthly income.")
	}

	return errors
}

export default {
	components: { Dialog },
	methods: {
		setPrice, setLtv, setAmount, setDti, setHousingDti, strip, stripInt,
		stripLetters, stripPerc, del, create, createFees, createFee, resetFees,
		addFee, generate, validate
	},
	computed: {
		validFee,
	},
	props: ['user'],
	data() {
		return {
				estimate: estimate,
				loans: estimate.loans,
				sel: 0,
				newFee: null,
				errors: [],
			}
	},
}
</script>