Oh, pjs....the one question I have no idea how to answer as we do separate closings for these loans. I do know that C-1 has the option of 'with' or 'without' permanent fiancing and one phase/two phase options. As long as you mark those correctly, I believe your results will be correct.
If your perm phase begins at month 7, then I would agree with the first increase you mention above because that's when your amort of P&I starts.
As far as the .496 and asterik, is C-1 doing that by itself...with no one doing any 'admin modification' to the document? Do you have one done on a prior system you can compare it to?
If memory serves me...I want to think Dan Persfull does one-time close. They have just switched to C-1, so perhaps he can be of some help with this?
FWIW, I don't allow processors the ability to modify. I can...and have modified a HUD before due to an unusual circumstance, but I do know C-1 advises allowing users to have a lot more capability than we choose to allow. Be very careful in that regard because it's amazing what some of those capabilities would allow someone to do!
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My opinion only. Not legal advice.
Say you'll haunt me - Stone Sour