The sheet I have says the following:
=IF(OR(D14="YES",E14="YES"),"YES",IF(OR(D36=0,D40=0),"",IF(AND(D38<=7012.5,D36>561),"YES",IF(AND(D38>7012.5,D42>0.08),"YES","No"))))
(note this is not a California sheet I have).
The total points and fees payable by the consumer at or before loan closing will exceed the greater of:
a: 8% of the total loan amount for loans greater than $7,012.50 or
b: $561 for loans less than $7,012.50
So if you have a small $ loan, the fees would have to total more than $561, not more than 8% of the total loan amount.
Does that help at all, or am I rambling?
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CRCM