1003 Form
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An alternative to using Thin Client to take an initial loan application is the "Fillable 1003 PDF". A PDF is a document that conforms to Adobe System's Inc. Portable Document Format. A viewer program for PDF files may be downloaded from http://www.Adobe.com. Any variety of the Acrobat software may be used including Adobe Acrobat Approval, the full version of Adobe Acrobat or the free Adobe Acrobat Reader.

The fillable 1003 PDF is a document specifically designed to allow the entry of all the important fields on the 1003 in a matter such that the data can be imported into In House Mortgage. 

There are a number of ways to use the fillable 1003 PDF. The method you choose depends on which Adobe PDF product you are using and whether you are on-line or off-line.

Adobe Acrobat Reader - On-Line
Start Internet Explorer and browse to https://www.approvedfast.com/1003pdf. Click the "Fillable 1003 PDF" link and Internet Explorer will download and display the 1003.

Fill in as much information as you have available and click the "Click here to Submit data" button. The form data is packaged and securely (using SSL) transmitted to our servers where a new loan is created using the form data. An E-mail is sent the administrative contact with information about the newly imported loan. After importing, a Thank You screen indicates that the data has been received without errors.

Before clicking the "Submit" button print the 1003 or click the "Click here to Save data" button. Clicking the "Save" button creates a backup copy of the form data incase the submit process fails.

Clicking the "Click here to Save data" button saves a copy of the form data, that is recovered by clicking the "Click here to Load saved data" button. After saving the data, you can restart your machine and follow the directions above to re-view the 1003 and click the "Load" button to re-load the data from the previous session.

Using Adobe Acrobat Reader - Off-Line
Start Internet Explorer and browse to https://www.approvedfast.com/1003pdf

Right click the "Fillable 1003 PDF" link and select "Save Target As' or 'Save Link As' from the menu. Select an appropriate place on your computer to store the PDF such as your Desktop. You may now disconnect from the Internet. 

Browse your computer to find the 1003 file you saved in the above step and double-click the file. Adobe Acrobat Reader will display the 1003.

Fill in as much information as you have available and click the "Click here to Save data" button. Close down Adobe Acrobat Reader. (Note: You cannot simply go back on-line and click the "Submit" button. Adobe Acrobat Reader will only submit data when it is being run within a web browser. See the instructions below).

Warning: Be sure to click the "Save" button before closing Acrobat Reader. Acrobat Reader does not warn you about unsaved data when closing. If you close Acrobat Reader without saving, your data will be lost.

To submit the 1003 form data you must be connected to the internet and you must launch Adobe Acrobat Reader within a Web Browser. Go on-line and browse your computer to find the 1003 file you saved step one. Right-click the 1003 file, from the menu, Select "Open With | Internet Explorer". Internet Explorer will start and display the fillable 1003 PDF.

Note: The browser's "Address" line shows a local drive file specification as compared to the previous Internet address

Click the "Click here to Load saved data" button and the form will display the previously entered data. Click the "Click here to Submit data" button. The form data is packaged and securely (using SSL) transmitted to PCLender.coms servers where a new loan is created using the form data. An E-mail is sent to the administrative contact with information about the newly imported loan. You will see a Thank You screen indicating that the data has been received without errors.

Adobe Acrobat (Full Version) - Off-Line
Start Internet Explorer and browse to https://www.approvedfast.com/1003pdf. Right click the "Fillable 1003 PDF" link and select "Save Target As' or 'Save Link As' from the menu. Select an appropriate place on your computer to store the PDF. You may now disconnect from the internet.

Browse your computer to find the 1003 file you saved in the above step and double-click the file. 

Fill in as much information as you have available. There are three methods that can be used to save the form data.

Click the "Click here to Save data" button. This method is the same as the Adobe Acrobat Reader - Off-Line method above.

Select "FILE > Export > Form Data". This method creates a very small file by extracting just the form data and saving it in a file of your choice. You can take more than one application before uploading by saving to file names such as SmithLoan.FDF, JonesLoan.FDF. 

Select "FILE > Save As". This method saves both the PDF form and the Form Data. This produces a larger file than method 2 but this method lets you easily review the populated PDF form at a later date. As with method 2 you can take multiple applications by naming the files appropriately. 

Note: Be sure to erase these files after uploading the data to help ensure privacy.

Once the document has been saved it contains private and personal information about the applicants. Encrypt the document using the FILE|Save encryption option provided by Adobe Acrobat

Do not e-mail an unencrypted completed 1003 PDF as it contains personal information about the borrowers.

Uploading

To upload the completed 1003 PDF, log into Thin Client and from the Loan Ledger's menu select FILE > Import > Fillable 1003 PDF. The Open dialog is displayed.

Note: Open dialog displays both FDF files and PDF files Select the file you previously saved and click the "Open" button. Thin Client will remember the Folder you select so that the next time you upload a file the Folder will be pre-selected.

The upload process goes through three phases. First a new loan is created, second the fillable 1003 PDF is uploaded and stored with that loan and third the data from the PDF is extracted and used to populate the loan. During these phases, your screen displays a status bar to keep you informed of the progress. Once the process is complete, the newly created loan is opened and the General Information screen is displayed.

Data

 
While importing the PDF data, the system may encounter problems such as out of range data (for example a negative loan amount or invalid date). Any problems encountered are recorded in the conversation log.

Additionally, the conversation log contains a 'Raw Data' entry. This records the exact data extracted from the PDF without any interpretation. 

If you used Method 3 to store the date, the actual fillable 1003 PDF is stored with the loan as a Print Form. To review the PDF, from the Loan Overview menu select File | Print and search for the form named "Any PDF". Double click this form to see it on your screen.

 
Once you are satisfied that the upload completed successfully, you should delete the completed fillable 1003 PDF or FDF from your local hard drive to ensure the privacy of the applicant's information.

Fillable> 1003 PDF Systems Documentation 

The current version of the Fillable 1003 PDF can be downloaded from https://www.approvedfast.com/1003pdf.

E-mail alerts

 
When a Fillable 1003 PDF is uploaded via the Web (i.e. the user clicks the "Submit" button) only the database administrative E-mail address is alerted. This address is configured in thin via FILE > Background > Interfaces > Web.

Future Features

 
It looks like it might be possible to warn the user, or at least auto-save, if the user attempts to close the fillable 1003 pdf without first saving the form data. This is a feature of the full version of Acrobat 5.0. We are currently working with Version 4.0

Database Submission

 
The current version is coded to submit to the DEMO database.

The database is submits to can be configured by editing the PDF with the full version of Adobe Acrobat. Open the 1003 PDF and click the Forms Tool . Right Click the "Submit" button and select Properties. Click the Actions Tab. Select Mouse Down.

Click the "Edit" button to display the Edit an Action screen 

Click the Select URL button. The current URL is 
http://www.approvedfast.com/1003pdf/quickapp.dll/PDFUpload?datafolder=DEMO

Once the new SSL certificate is installed on the web server, this should be changed to HTTPS. The data folder can be set to any of the databases being served by the web server.

It is likely that we will have multiple versions of the Fillable 1003 PDF at some point, with each version pointing at a different database.

The 'Click here to Save data' button

 
The Adobe Acrobat Reader is a crippled version of the full version of Adobe Acrobat. One of the features that was removed in the Reader was the ability to save form data changes. But, the Reader does support a java script feature known as 'Persistent Global Variables'. We were able to take advantage of this feature to store form data even within the Reader. The code turns every form field into a Persistent Global Variable. When Acrobat Reader is exited, these variables are written to a file called "Glob.js" which is available to the next session of Reader. There is a size limit of 32K on this file, but that should be good enough to store most applications.

Importing F1003

In House Mortgage is capable of importing loans from a wide variety of sources by using the Fannie Mae 1003 Version 3 file format. To import a loan, login to Thin Client and select File > Import > Fannie Mae 1003 V3. A screen similar to Figure 1 is displayed.

Use the Open dialog controls to select the appropriate file and click the Open button. In House Mortgage creates a new loan and imports the appropriate data from the selected file. A search is run which returns just the newly imported file.

Any problems that were encountered during the import process are recorded in the Conversation Log.

The conversation log also contains a Raw Data entry which shows the file in its native format. While this data is not easily readable, it does serve as a reference and will be used in tracking down any problems.