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15 vs 30 Year Mortgage +

Program Description: 15 VS 30 YEAR MORTGAGE This program is a version that allows you to compare a 15 year mortgage with one that has a duration of 30 years. It will run under Win 95, 98, Me, NT4, XP, & 2000. If you itemize deductions, then you know the IRS allows you to deduct mortgage interest. This subsidizing of a mortgage means you can receive credit for the increased interest you pay on a 30 year loan. The basic premise of this evaluation is that if the buyer could afford the monthly payments for the shorter term (and would invest the difference in monthly payments according to the instructions), at certain rates of return on the investment it would be more advantageous to obtain the 30 year mortgage. Printouts are professional looking and may be used by financial planners as they contain a "prepared by:" area. This program may also be useful to lending institutions in advising a client on the term of a mortgage.

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Added Payment Amortization +

This program is a version of an added payment schedule that demonstrates the effect of added payments to reduce the term of a loan and also reduce the amount of interest paid. It will run under Win 95, 98, XP, & 2000. By making additional principal payments when paying yourmonthly mortgage, you will reduce the term of the loan and gain equity in your home at a faster pace. If you decide to utilize this method of payment, be sure that the bank or other lending institution credits the amount against the principal of the loan each month. Printouts are professional looking and may be used by financial planners as they contain a "prepared by:" area and may be useful for advising a client on this method of mortgage payment by demonstrating to them the effect this type of payment has on the term of the loan as well as the total amount of interest paid.

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Auto loan calculators +

Program Description: AUTO LOAN CALCULATORS Confused by all the "hype" about rebates, low interest loans, or "Rule of 78" versus simple interest loans? This program includes most of the current types of financing available for automobile loans. This program is a version of a group of auto loan calculators. It will run under Win 95, 98,Me, NT4,XP, & 2000. This program includes most of the current types of financing available for automobile loans. Included are: a simple interest loan calculator; a Rule of 78 loan calculator; a comparison of the two; and a program that can evaluate the "best deal" on rebates versus low-interest, short-term loans, as well as the use of a home equity loan for interest deductions to reduce your taxes. Printouts are professional looking and may be used by vehicle purchasers to negotiate with dealers in order to obtain the best trade or purchase as well as to acquire the most advantageous loan rate and type.

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Balloon Amortization +

Program Description: BALLOON AMORTIZATION This program is a version of a balloon payment schedule that demonstrates the effect of reducing initial payments and either making a large payment at the end of the balloon period or refinancing the loan. It will run under Win 95, 98, Me, NT4, XP, & 2000. Bankers are currently touting mortgages with a one to five year balloon. What they don't tell you is that the interest is usually based on a 30 year term which, unless you know "THE NUMBERS" can result in a shock to your system. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid.

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Biweekly Amortization +

Program Description: BIWEEKLY AMORTIZATION THE BANKERS' SECRET IS REVEALED!!! This program is a version of a biweekly payment schedule that demonstrates the effect of reducing the term and interest amount of a loan. It will run under Win 95, 98, Me, NT4, XP & 2000. By making a loan payment every two weeks of half of the monthly payment, 26 payments are made each year. This program demonstrates the savings available to you if you pay your mortgage every other week instead of monthly and are CREDITED THE PAYMENT by the lending institution at the time of payment. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may also be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid.

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Loan Amortization +

This program is a version of a standard loan payment schedule that may be used for any type loan where simple interest is the type used. It is not limited to mortgage loans. It will run under Win 95, 98, Me, NT4,XP, & 2000. This program will calculate and print a complete amortization schedule for loans with any term from 1 to 30 years. The amount of interest paid during any calendar year is also calculated for your use at tax time. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area and may also be useful to them in advising a client on this method of mortgage payment by demonstrating the effect this type of mortgage has on the term of the loan as well as the total amount of interest paid.

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Max Mortgage +

How much house can you afford? You might be pleasantly surprised. This program is a version of a loan qualifier for either a fixed rate or a variable rate mortgage. It will run under Win 95, 98, Me, NT4, XP, & 2000. This program uses the same "ratios" method used by your "friendly banker" to determine how large either a fixed rate or variable rate mortgage you can expect approval for. Principal, interest, homeowners' insurance, and taxes (PITI) are included in the analysis. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area. The program may also be useful to small mortgage lenders to pre- qualify potential borrowers. For the potential home purchaser, the program quickly shows them how much house they can afford based on income, and existing indebtedness.

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Mortgages +

Program Description: This program is a compendium of 8 mortgage type programs.They include: 1. Addedpmt.EXE - A program illustrating the effect of additional payments for reducing interest paid and the term of a loan. 2. Balloon.EXE - A program that explores the use of this type mortgage. 3. Biweekly.EXE - This program calculates and displays the reduced loan period with this type mortgage. 4. 1530mtge.EXE - A program that displays and lists the advantages and pitfalls of using this type of financing. 5. Loanamor.EXE - This program is a standard amortization schedule which displays annual interest paid for your use at tax time. It Can also be used for any simple interest loan with multiple payment periods. 6. Maxmtge.EXE - A mortgage qualifier for either a fixed- rate or variable-rate mortgage. It shows how large a mortgage you qualify for. 7. Refinanc.EXE - This program demonstrates advantages to refinancing your existing mortgage. Conditions under which you should consider refinancing are presented. 8. Varimtge.EXE - You can use this program to either investigate or track a variable-rate mortgage or to project the payout of this type mortgage.

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Refinance It?

Program Description: REFINANCE IT ? This program is a version of a mortgage refinancing evaluation. It will run under Win 95, 98, Me, NT4, XP & 2000. When current mortgage interest rates are 2 or more percentage points below your existing rate, it may be advisable to refinance your existing mortgage. This analysis shows whether it is to your advantage to refinance depending on the number of years you expect to live in your present home, the interest rate spread, closing costs and your tax bracket. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area. The program may also be useful to mortgage lenders to assist a client in the making a decision about refinancing. For the homeowner, the program quickly shows them if there is any advantage to refinancing.

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Variable Rate Mortgage +

Program Description: VARIABLE RATE MORTGAGE Confused about ""Teaser Rates"", maximum annual interest rate increases and maximum interest rate for the term of the loan? This program is a version of a variable rate mortgage loan. It will run under Win 95, 98, Me, NT4, XP & 2000. This program demonstrates the worst-case scenario of a variable rate loan. This program also allows for an analysis of the effect of different loan rates applied over the length of the loan or it may be used to actually track a loan repayment. Check your forecasting ability with the "What If?" portion of this program. Printouts are professional looking and may be used by financial planners as the program contains a "prepared by:" area. Financial planners may also use this program to advise a client on the advisability of purchasing this type mortgage as opposed to a standard simple interest loan.

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