//*******************************************
//DO NOT REMOVE THIS COPYWRITE INFO!
//Adjustable Rate Mortgage Calculator
//2004 Daniel C. Peterson ALL RIGHTS RESERVED
//Created: 10/18/2004
//Last Modified: 10/18/2004
//This script may not be copied, edited, distributed or reproduced
//without express written permission from
//Daniel C. Peterson of Web Winder Website Services
//For commercial use rates, contact:
//Dan Peterson:
//Web Winder Website Services
//P.O. Box 11
//Bemidji, MN  56619
//dan@webwinder.com
//http://www.webwinder.com
//Commercial User Licence #:2046-475-134-461
//Commercial Licence Date:2004-10-27
//*******************************************

function stripNum(num) {

var iPercent
var iDollar
var iSpace
var iComma
var numLength = num.length

//lalalla Line #114

if(numLength > 0) {

   num=num.toString();

   iPercent = num.indexOf("%");
   if(iPercent >= 0) {
      num=num.substring(0,iPercent) + "" + num.substring(iPercent + 1,numLength);
      numLength=num.length;
      }
   iDollar = num.indexOf("$");
   if(iDollar >= 0) {
      num=num.substring(0,iDollar) + "" + num.substring(iDollar + 1,numLength);
      numLength=num.length;
      }
   iSpace = num.indexOf(" ");
   if(iSpace >= 0) {
      num=num.substring(0,iSpace) + "" + num.substring(iSpace + 1,numLength);
      numLength=num.length;
      }
   iComma = num.indexOf(",");
   if(iComma >= 0) {
      while(iComma >=1) {
         num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
         numLength=num.length;
         iComma = num.indexOf(",");
      }
      }

      num = eval(num);


} else {

num = 0;

}

return num;

}




function computeMonthlyPayment(prin, numPmts, intRate) {

var pmtAmt = 0;

if(intRate == 0) {
   pmtAmt = prin / numPmts;
} else {
   
   if (intRate >= 1.0) {
     intRate = intRate / 100.0;
   }
   intRate /= 12;

   var pow = 1;
   for (var j = 0; j < numPmts; j++)
      pow = pow * (1 + intRate);

   pmtAmt = (prin * pow * intRate) / (pow - 1);

}

return pmtAmt;

}




function formatNumberDec(num, places, comma) {

var isNeg=0;

    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }

    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = eval(myPlaces) + eval(1);
       myZeros = myZeros + "0";
    }
    
    onum=Math.round(num*myDecFact)/myDecFact;
        
    integer=Math.floor(onum);

    if (Math.ceil(onum) == integer) {
        decimal=myZeros;
    } else{
        decimal=Math.round((onum-integer)* myDecFact)
    }
    decimal=decimal.toString();
    if (decimal.length<places) {
        fillZeroes = places - decimal.length;
       for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }

   if(places > 0) {
      decimal = "." + decimal;
   }

   if(comma == 1) {
    integer=integer.toString();
    var tmpnum="";
    var tmpinteger="";
    var y=0;

    for (x=integer.length;x>0;x--) {
        tmpnum=tmpnum+integer.charAt(x-1);
        y=y+1;
        if (y==3 & x>1) {
            tmpnum=tmpnum+",";
            y=0;
        }
    }

    for (x=tmpnum.length;x>0;x--) {
        tmpinteger=tmpinteger+tmpnum.charAt(x-1);
    }


    finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }

    if(isNeg == 1) {
       finNum = "-" + finNum;
    }

    return finNum;
}


function computeForm(report) {

if(document.armPayment.principal.value == 0 || document.armPayment.principal.value == "") {
   alert("Please enter the mortgage's principal amount.");
   document.armPayment.principal.focus();
} else
if(document.armPayment.start_rate.value == 0 || document.armPayment.start_rate.value == "") {
   alert("Please enter the beginning annual interest rate.");
   document.armPayment.start_rate.focus();
} else
if(document.armPayment.start_months.value == 0 || document.armPayment.start_months.value == "") {
   alert("Please enter the number of months the rate will be fixed.");
   document.armPayment.start_months.focus();
} else
if(document.armPayment.adjust_months.value == 0 || document.armPayment.adjust_months.value == "") {
   alert("Please enter the number of months between rate adjustments.");
   document.armPayment.adjust_months.focus();
} else
if(document.armPayment.adjust_amt.value == 0 || document.armPayment.adjust_amt.value == "") {
   alert("Please enter the expected amount of each adjustment (eg. \".25\" if rates are expected to increase or \"-.25\" if rates are expected to decrease).");
   document.armPayment.adjust_amt.focus();
} else
if(document.armPayment.rate_cap.value == 0 || document.armPayment.rate_cap.value == "") {
   alert("Please enter the maximum allowable interest rate (rate cap).");
   document.armPayment.rate_cap.focus();
} else {

var Vprincipal = stripNum(document.armPayment.principal.value);

var Vstart_rate = stripNum(document.armPayment.start_rate.value);

var VnumYears = document.armPayment.numYears.options[document.armPayment.numYears.selectedIndex].value;
var term_months = VnumYears * 12;

var Vstart_pmt = computeMonthlyPayment(Vprincipal, term_months, Vstart_rate);


var Vstart_months = stripNum(document.armPayment.start_months.value);
var Vadjust_months = stripNum(document.armPayment.adjust_months.value);
var Vadjust_amt = stripNum(document.armPayment.adjust_amt.value);
var Vrate_cap = stripNum(document.armPayment.rate_cap.value);

if(Vstart_rate > 25) {
   alert("Please enter a starting interest rate that is less than or equal to 25.000%.");
   document.armPayment.start_rate.focus();
} else
if(Vrate_cap < 5) {
   alert("Please enter a rate cap that is greater than or equal to 5.000%.");
   document.armPayment.rate_cap.focus();
} else
if(Vrate_cap > 25) {
   alert("Please enter a rate cap that is less than or equal to 25.000%.");
   document.armPayment.rate_cap.focus();
} else
if(Vprincipal < 100) {
   alert("Please enter a mortgage loan amount that is greater than $100.");
   document.armPayment.principal.focus();
} else
if(Vprincipal > 100000000) {
   alert("Please enter a mortgage loan amount that is less than $100,000,000.");
   document.armPayment.principal.focus();
} else
if(Vstart_months > 120) {
   alert("Number of months before adjustments must be less than or equal to 120.");
   document.armPayment.start_months.focus();
} else
if(Vadjust_months > 12) {
   alert("Number of months between adjustments must be less than or equal to 12.");
   document.armPayment.adjust_months.focus();
} else
if(Vadjust_amt > 3) {
   alert("Rate adjustment amount must be less than or equal to 3.000%.");
   document.armPayment.adjust_amt.focus();
} else
if(Vadjust_amt < -3) {
   alert("Rate adjustment amount must be greater than or equal to -3.000%.");
   document.armPayment.adjust_amt.focus();
} else {

document.armPayment.start_pmt.value = "$" + formatNumberDec(Vstart_pmt,2,1);

var rate = Vstart_rate;
var old_rate = Vstart_rate;
var pmt = Vstart_pmt;
var accum_pmts = 0;
var new_rate = 0;
var prin = Vprincipal;
var int_port = 0;
var accum_int = 0;
var prin_port = 0;
var accum_prin = 0;
var cnt = 0;
var adjust_nprs = 0;
var new_term_months = 0;
var i = 0;

var pmtRows = "";

while(cnt < term_months) {

   cnt += 1;

   if(cnt <= Vstart_months) {
      rate = Vstart_rate;
   } else {
      if((eval(cnt)-eval(1)) % Vadjust_months == 0) {
         adjust_nprs += 1;
         new_term_months = eval(term_months) - eval(cnt) + eval(1);
         rate = eval(adjust_nprs * Vadjust_amt) + eval(Vstart_rate);
         if(rate < 2) {
            rate = 2;
         }
         if(rate > Vrate_cap) {
            rate = Vrate_cap;
         }
         pmt = computeMonthlyPayment(prin, new_term_months, rate);
      }
   }



   i = rate / 100 / 12;

   if(cnt < term_months) {

      int_port = Math.round(prin * i * 100) / 100;
      accum_int += int_port;
      prin_port= eval(pmt) - eval(int_port);
      accum_prin = eval(accum_prin) + eval(prin_port);
      prin = eval(prin) - eval(prin_port);

   } else {

      int_port = Math.round(prin * i * 100) / 100;
      accum_int += int_port;
      prin_port= prin;
      accum_prin = eval(accum_prin) + eval(prin_port);
      prin = eval(prin) - eval(prin_port);
      pmt = eval(prin_port) + eval(int_port);
   }

   accum_pmts += pmt;

   if(report == 1) {
      pmtRows = ("" + pmtRows + "<tr><td align=right><font face='arial'><small>" + cnt + "<\/small><\/font><\/td><td align=right><font face='arial'><small>" + formatNumberDec(rate,2,1) + "%<\/small><\/font><\/td><td align=right><font face='arial'><small>$" + formatNumberDec(pmt,2,1) + "<\/small><\/font><\/td><td align=right><font face='arial'><small>$" + formatNumberDec(prin_port,2,1) + "<\/small><\/font><\/td><td align=right><font face='arial'><small>$" + formatNumberDec(int_port,2,1) + "<\/small><\/font><\/td><td align=right><font face='arial'><small>$" + formatNumberDec(prin,2,1) + "<\/small><\/font><\/td><\/tr>");
   }

}


document.armPayment.total_pmts.value = "$" + formatNumberDec(accum_pmts,2,1);
document.armPayment.total_int.value = "$" + formatNumberDec(accum_int,2,1);
if(pmt > Vstart_pmt) {
   document.armPayment.max_pmt.value = "$" + formatNumberDec(pmt,2,1);
} else {
   document.armPayment.max_pmt.value = "$" + formatNumberDec(Vstart_pmt,2,1);
}

if(report == 1) {

var part1 = ("<head><title>Amortization Schedule<\/title><\/head>" + "<body bgcolor= '#FFFFFF'><br><br><center><font face='arial'><big><b>Adjustable Rate Mortgage Summary<\/strong><\/big><\/font><\/center><br>");


var part2 = ("<center><table border=1 cellpadding=2 cellspacing=0 bordercolor='#EEEEEE'><tr><td colspan=4><font face='arial'><small>Mortgage loan amount:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>$" + formatNumberDec(Vprincipal,2,1) + "<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Mortgage term:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>" + VnumYears + " years<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Beginning interest rate:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>" + formatNumberDec(Vstart_rate,3,0) + "%<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Beginning monthly payment:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>$" + formatNumberDec(Vstart_pmt,2,1) + "<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Interest rate cap:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>" + formatNumberDec(Vrate_cap,3,0) + "%<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Expected rate adjustment amount:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>" + formatNumberDec(Vadjust_amt,2,0) + "%<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Initial fixed rate period:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>" + Vstart_months + " months<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Adjustment period:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>" + Vadjust_months + " months<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Total of all monthly payments:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>$" + formatNumberDec(accum_pmts,2,1) + "<\/small><\/font><\/td><\/tr><tr><td colspan=4><font face='arial'><small>Total interest:<\/small><\/font><\/td><td colspan='2' align='right'><font face='arial'><small>$" + formatNumberDec(accum_int,2,1) + "<\/small><\/font><\/td><\/tr><tr><td colspan=6><center><font face='arial'><b>Schedule of Payments<\/b><\/font><br><font face='arial'><small><small>Please allow for slight rounding differences.<\/small><\/small><\/font><\/center><\/td><\/tr><tr bgcolor='silver'><td align='center'><font face='arial'><small><b>Pmt #<\/b><\/small><\/font><\/td><td align='center'><font face='arial'><small><b>Rate<\/b><\/small><\/font><\/td><td align='center'><font face='arial'><small><b>Payment<\/b><\/small><\/font><\/td><td align='center'><font face='arial'><small><b>Principal<\/b><\/small><\/font><\/td><td align='center'><font face='arial'><small><b>Interest<\/b><\/small><\/font><\/td><td align='center'><font face='arial'><small><b>Balance<\/b><\/small><\/font><\/td><\/tr>");



var part3 = ("" + pmtRows + "");



var part4 = ("<tr><td colspan='2'><font face='arial'><small><b>Grand Total<\/b><\/small><\/font><\/td><td align=right><font face='arial'><small><b>$" + formatNumberDec(accum_pmts,2,1) + "<\/b><\/small><\/font><\/td><td align=right><font face='arial'><small><b>$" + formatNumberDec(accum_prin,2,1) + "<\/b><\/small><\/font><\/td><td align=right><font face='arial'><small><b>$" + formatNumberDec(accum_int,2,1) + "<\/b><\/small><\/font><\/td><td> <\/td><\/tr><\/table><br><center><form method='post'><input type='button' value='Close Window' onClick='window.close()'><\/form><\/center><\/body><\/html>");



var schedule = (part1 + "" + part2 + "" + part3 + "" + part4 + "");



  reportWin = window.open("","","width=500,height=400,toolbar=yes,menubar=yes,scrollbars=yes");

  reportWin.document.write(schedule);

  reportWin.document.close();

}

      }


   }

}

function clearResults(form) {

document.armPayment.start_pmt.value = "";
document.armPayment.total_pmts.value = "";
document.armPayment.total_int.value = "";
document.armPayment.max_pmt.value = "";
}