I have had the same problems concerning APRWIN and Construction loans on Final TIL'S. This is what I was advised to do screen by screen:
Commitment Amount: ORIGINAL NOTE AMOUNT
Annual Simple Interest Rate: Interest Rate from note
Prepaid Finance Charge: Total Prepaid Charges from HUD
Subs Paid Fin Charge: Leave Blank
Acutual Days: Key in acutal dates from Allonge
Construction Interest: Calculated for you
Disclosed (Est) APR: From TIL
Disclosed Finance Charge: From TIL
You have to make sure that you use the calendar for the 1st payment stream - instead of just using a number like 1 - after you input the 1st payment stream click on the calendar and put the actual 1st payment date in where it prompts. The popup box will show the original date, end of the construction period and then you put in the first payment date.
Remember the Acutal days start with the original note date, then end of the construction period (as contracted for not as actually happened) and then the first payment date on the note. For example if you had a loan and they where contracted to do a nine month construction period however they finished in six months - you still use the original contract dates to figure the TIL, that is your best estimate at the time and why the small "e" appears next to each number in the FED BOX
You are soooo not dense...it is VERY confusing!!!
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Trust in the Lord with ALL your heart...Prov 3:5-6