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.
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John S. Burnett
BankersOnline.com
Fighting for Compliance since 1976
Bankers' Threads User #8