Do your normal analysis or, if the maturity falls, as you have said, within that one-year period, through the date of the last scheduled payment. Include all disbursements through the maturity date of the loan. It's likely there will be a balance in the escrow account when the loan is paid off. You'll need to get that remitted back to the borrower right away if that is the case.
John S. Burnett
Fighting for Compliance since 1976
Bankers' Threads User #8