Calculators http://www.lendingtree.com/smartborrower/Calculators.aspx en Mon, 8 Dec 2008 16:31:02 EST Copyright: (C) LendingTree, LLC Home equity calculator This calculator will help you determine how much equity you have in your home that you can borrow against. http://www.lendingtree.com/smartborrower/Home-Equity-Calculators/home-equity-calculator.aspx Thu, 31 Jan 2008 10:30:01 EST Calculators http://www.lendingtree.com/smartborrower/Home-Equity-Calculators/home-equity-calculator.aspx Private Sub Page_Load(ByVal sender As System.Object, ByVal e As System.EventArgs) Handles MyBase.Load If IsPostBack Then Dim ServiceConnector As localhost.Calculators = New localhost.Calculators Dim TEqty, LTV90, LTV80, LTV75 As Double Dim FormValues As System.Collections.Specialized.NameValueCollection FormValues = Request.Form Dim HomeValue As Double = CDbl(FormValues("HomeValue")) Dim FirstPrincipalDue As Double = CDbl(FormValues("PrincipalDue")) Dim SecondPrincipalDue As Double = 0 If (FormValues.Item("PrincipalDueSecond") <> "") Then SecondPrincipalDue = CDbl(FormValues.Item("PrincipalDueSecond")) End If Dim Results As String = ServiceConnector.HowMuchCanIBorrow(HomeValue, FirstPrincipalDue, SecondPrincipalDue) Dim ResultArray As String() = Split(Results, ",") TEqty = CDbl(ResultArray(0)) LTV90 = CDbl(ResultArray(1)) LTV80 = CDbl(ResultArray(2)) LTV75 = CDbl(ResultArray(3)) If TEqty > 0 Then TotalEquity.Text = FormatCurrency(ResultArray(0)) Else TotalEquity.Text = "Based on the information provided, you do not have any equity in your home to borrow against" End If If LTV90 > 0 Then LoanToValue90.Text = FormatCurrency(ResultArray(1)) Else LoanToValue90.Text = "Based on the information provided, your current loan balance is higher than 90 percent of your home's value." End If If LTV80 > 0 Then LoanToValue80.Text = FormatCurrency(ResultArray(2)) Else LoanToValue80.Text = "Based on the information provided, your current loan balance is higher than 80 percent of your home's value." End If If LTV75 > 0 Then LoanToValue75.Text = FormatCurrency(ResultArray(3)) Else LoanToValue75.Text = "Based on the information provided, your current loan balance is higher than 75 percent of your home's value." End If End If End Sub

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The general rule is you can borrow 75 - 80% of your home's current appraised value, minus what you owe on your first mortgage. This is called the loan-to-value ratio (LTV). Some lenders let you borrow up to 125% of your home's value. Please note, if you choose that option and must move because of a job transfer or other reason, the sale of your home may not provide you with enough money to pay off both your mortgage and the outstanding home equity loan.

LendingTree calculators are for informational purposes only. LendingTree does not guarantee the accuracy of the calculators, or that you will receive the input rates. Consult a financial advisor for details specific to your situation.

]]> Rent or buy calculator This calculator will help you decide whether it makes sense to buy a home. http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Rent-or-buy-calculator.aspx Fri, 9 Nov 2007 14:26:21 EST Calculators http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Rent-or-buy-calculator.aspx Private Sub Page_Load(ByVal sender As System.Object, ByVal e As System.EventArgs) Handles MyBase.Load If IsPostBack Then Dim MRent, ARI, MortgageLoanAmount, IntRate, CCosts, PPT, HomeIns, HMC, HOAD, ITR As Double Dim Year, Pts, LTerm, YrsofStay As Integer Dim colForm1 As System.Collections.Specialized.NameValueCollection Dim BGCalc As String Dim ServiceConnector As localhost.Calculators = New localhost.Calculators colForm1 = Request.Form 'Converting the String values from the form to Double and performing calculations MRent = CDbl(colForm1.Item("MonthRent")) ARI = CDbl(colForm1.Item("RenterInsurance")) MortgageLoanAmount = CDbl(colForm1.Item("LoamAmt")) IntRate = CDbl(colForm1.Item("InterestRate")) LTerm = CInt(colForm1.Item("LoanTerm")) Pts = 0 If (colForm1.Item("DiscountPoints") <> "") Then Pts = CInt(colForm1.Item("DiscountPoints")) End If CCosts = 0 If (colForm1.Item("ClosingCost") <> "") Then CCosts = CDbl(colForm1.Item("ClosingCost")) End If PPT = 0 If (colForm1.Item("ProperyTax") <> "") Then PPT = CDbl(colForm1.Item("ProperyTax")) End If HomeIns = 0 If (colForm1.Item("HomeInsurance") <> "") Then HomeIns = CDbl(colForm1.Item("HomeInsurance")) End If HMC = 0 If (colForm1.Item("MaintenanceCost") <> "") Then HMC = CDbl(colForm1.Item("MaintenanceCost")) End If HOAD = 0 If (colForm1.Item("HomeAssociation") <> "") Then HOAD = CDbl(colForm1.Item("HomeAssociation")) End If ITR = 0 If (colForm1.Item("IncomeTax") <> "") Then ITR = CDbl(colForm1.Item("IncomeTax")) End If YrsofStay = 0 If (colForm1.Item("Years") <> "") Then YrsofStay = CDbl(colForm1.Item("Years")) End If Year = YrsofStay * 12 If IntRate > 1 Then IntRate = IntRate / 100 If ITR > 1 Then ITR = ITR / 100 'Actual call to Web Service - CashvsHE() BGCalc = ServiceConnector.ShouldIRentOrBuy(MortgageLoanAmount, IntRate, LTerm, Pts, CCosts, PPT, HomeIns, HMC, HOAD, ITR, YrsofStay) 'Using Split function to split the output from Web Service. Dim AMR, TotalCostCalc, EHEqt, NCTO, TCTRCalc As Double Dim stringItems() As String = BGCalc.Split(",") AMR = CDbl(stringItems(0)) TotalCostCalc = CDbl(stringItems(1)) EHEqt = CDbl(stringItems(2)) AmtofSavings.Text = FormatCurrency(CDbl(stringItems(3))) NCTO = CDbl(stringItems(4)) TCTRCalc = ((MRent * 12) + ARI) TCTO.Text = FormatCurrency(((Pts * 0.01 * MortgageLoanAmount) + CCosts + PPT + HomeIns + HMC + HOAD + AMR)) TCTR.Text = FormatCurrency(TCTRCalc) EstHomeEqt.Text = FormatCurrency(EHEqt) NetCost.Text = FormatCurrency(NCTO - EHEqt) CosttoRent.Text = FormatCurrency(TCTRCalc * YrsofStay) yrs1.Text = YrsofStay yrs2.Text = YrsofStay yrs3.Text = YrsofStay yrs4.Text = YrsofStay Dim x As Integer Dim BeginningBalance As Double = MortgageLoanAmount Dim IR, Interest, PMT, Principal, EndBalance, CumulativeInt As Double Dim Period As Integer Period = LTerm * 12 IR = IntRate / 12 PMT = AMR / 12 CumulativeInt = 0.0 For x = 0 To Period - 1 Interest = BeginningBalance * IR Principal = PMT - Interest EndBalance = BeginningBalance - Principal CumulativeInt = CumulativeInt + Interest BeginningBalance = EndBalance Next Else IncomeTax.Text = "$0.00" End If End Sub

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While this calculator takes into account the home equity you will build from mortgage payments, it does not take into account the equity created from appreciation of your home's value, or, if you continued to rent, any increases in your monthly payments.

LendingTree calculators are for informational purposes only. LendingTree does not guarantee the accuracy of the calculators, or that you will receive the input rates. Consult a financial advisor for details specific to your situation.

]]> Adjustable rate mortgage payment calculator This calculator helps you determine the amount of your ARM payments. http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Adjustable-rate-mortgage-payment-calculator.aspx Thu, 1 Nov 2007 10:10:33 EST Calculators http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Adjustable-rate-mortgage-payment-calculator.aspx Private Sub Page_Load(ByVal sender As System.Object, ByVal e As System.EventArgs) Handles MyBase.Load If IsPostBack Then Dim ServiceConnector As localhost.Calculators = New localhost.Calculators Dim FormValues As System.Collections.Specialized.NameValueCollection FormValues = Request.Form Dim LoanAmount As Double = CDbl(FormValues.Item("LoanAmount")) Dim StartingInterestRate As Double = CDbl(FormValues.Item("StartingInterestRate")) / 100 Dim LoanTerm As Integer = CInt(FormValues.Item("LoanTerm")) Dim EstimatedPPT As Double = 0 If (FormValues.Item("EAPPT") <> "") Then EstimatedPPT = CDbl(FormValues.Item("EAPPT")) End If Dim EstimatedHOI As Double = 0 If (FormValues.Item("EAHOI") <> "") Then EstimatedHOI = CDbl(FormValues.Item("EAHOI")) End If Dim InitialRateTerm As Integer = CInt(FormValues.Item("InitialRateTerm")) Dim Index As Double = CDbl(FormValues.Item("Index")) / 100 Dim Margin As Double = CDbl(FormValues.Item("Margin")) / 100 Dim AmtAdjust As Double = CDbl(FormValues.Item("AmtAdjust")) / 100 Dim LftCap As Double = CDbl(FormValues.Item("LftCap")) / 100 Dim AdjustRT As Double AdjustRT = Index + Margin + AmtAdjust Dim Results As String = ServiceConnector.WhatWillMyARMPaymentsBe(LoanAmount, StartingInterestRate, LoanTerm, EstimatedPPT, EstimatedHOI, InitialRateTerm, Index, Margin, AmtAdjust, AdjustRT, LftCap) Dim ResultArray As String() = Split(Results, ",") MonthlyPayment.Text = FormatCurrency(ResultArray(5)) AdjustedMonthlyPayment.Text = FormatCurrency(ResultArray(6)) MaximumMonthlyPayment.Text = FormatCurrency(ResultArray(7)) Dim LoanMonths, y, TermLft As Integer LoanMonths = LoanTerm * 12 Dim BegBalance, LoanBalAft1yr, Payment, IndexIR, LBAFP, MarginRT, AmtofAdjRT, Interest As Double Dim Principal, EndBalance, SIntRT As Double LoanBalAft1yr = CDbl(ResultArray(2)) BegBalance = LoanAmount IndexIR = Index / 12 MarginRT = Margin / 12 AmtofAdjRT = AmtAdjust / 12 TermLft = CInt(ResultArray(1)) LBAFP = CDbl(ResultArray(2)) BuildTable.Text = "" For y = 0 To LoanMonths - 1 If y < InitialRateTerm Then SIntRT = StartingInterestRate / 12 Payment = Math.Abs(Financial.Pmt(SIntRT, LoanMonths, LoanAmount, 0, 0)) Else ' Fp = IndexIR + MarginRT + AmtofAdjRT SIntRT = AdjustRT / 12 Payment = Math.Abs(Financial.Pmt(AdjustRT / 12, TermLft, LBAFP, 0, 0)) StartingInterestRate = AdjustRT End If Interest = BegBalance * SIntRT Principal = Payment - Interest EndBalance = BegBalance - Principal If (y = InitialRateTerm - 1) Then LBAFP = EndBalance End If BuildTable.Text = BuildTable.Text & "" & CStr(y + 1) & "" BuildTable.Text = BuildTable.Text & "" & CStr(FormatCurrency(BegBalance)) & "" BuildTable.Text = BuildTable.Text & "" & CStr(StartingInterestRate) * 100 & "%" BuildTable.Text = BuildTable.Text & "" & CStr(FormatCurrency(Payment)) & "" BuildTable.Text = BuildTable.Text & "" & CStr(FormatCurrency(Interest)) & "" BuildTable.Text = BuildTable.Text & "" & CStr(FormatCurrency(Principal)) & "" BuildTable.Text = BuildTable.Text & "" & CStr(FormatCurrency(EndBalance)) & "" BegBalance = EndBalance Next End If End Sub

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See your payment amortization table.

Monthly payment includes insurance and taxes, if you provided that information. A requirement to buy Private Mortgage Insurance would increase your monthly payment.

LendingTree calculators are for informational purposes only. LendingTree does not guarantee the accuracy of the calculators, or that you will receive the input rates. Consult a financial advisor for details specific to your situation.

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LendingTree calculators are for informational purposes only. LendingTree does not guarantee the accuracy of the calculators, or that you will receive the input rates. Consult a financial advisor for details specific to your situation.

<% End If%>
]]> Home affordability calculator This calculator helps you determine what price home you can afford, as well as what monthly payment you can afford. http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Home-affordability-calculator_acdc_1207088705780.aspx Fri, 26 Oct 2007 16:30:02 EST Calculators http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Home-affordability-calculator_acdc_1207088705780.aspx Private Sub Page_Load(ByVal sender As System.Object, ByVal e As System.EventArgs) Handles MyBase.Load If IsPostBack Then Dim Grossmonthlypymt, IntRate, DwnPymt, MonDebtPymt, HomeInsurance, PropertyTx, MortLoanAmt As Double Dim Years As Integer Dim MortPayment As String Dim colForm1 As System.Collections.Specialized.NameValueCollection Dim ServiceConnector As localhost.Calculators = New localhost.Calculators 'Get Data from avh.aspx web form colForm1 = Request.Form 'Converting the String values from the form to Double and performing calculations Grossmonthlypymt = CDbl(colForm1.Item("GrossMonPymt")) DwnPymt = CDbl(colForm1.Item("DownPymt")) MonDebtPymt = CDbl(colForm1.Item("MonDbtPymt")) HomeInsurance = 0 If (colForm1.Item("HomeIns") <> "") Then HomeInsurance = CDbl(colForm1.Item("HomeIns")) End If PropertyTx = 0 If (colForm1.Item("PropertyTax") <> "") Then PropertyTx = CDbl(colForm1.Item("PropertyTax")) End If IntRate = CDbl(colForm1.Item("IntRT")) If IntRate > 1 Then IntRate = IntRate / 100 Years = CInt(colForm1.Item("Term")) 'Actual call to Web Service MortPayment = ServiceConnector.WhatPriceHomeCanIAfford(Grossmonthlypymt, DwnPymt, MonDebtPymt, HomeInsurance, PropertyTx, IntRate, Years) 'Using Split function to split the output from Web Service. Dim stringItems() As String = MortPayment.Split(",") MortLoanAmt = CDbl(stringItems(0)) If MortLoanAmt < 0 Then MortgageLAmt.Text = " Your monthly debt payments may not allow you to qualify for a mortgage. Call a loan specialist at 1-800-555-TREE to learn what you can do to qualify." showDiv.Value = False Else MortgageLAmt.Text = FormatCurrency(CDbl(stringItems(0))) showDiv.Value = True End If DwnPymts.Text = FormatCurrency(CDbl(stringItems(1))) HomeAff.Text = FormatCurrency(CDbl(stringItems(2))) MonthlyMortgagePymt.Text = FormatCurrency(CDbl(stringItems(3))) End If End Sub

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* Calculations are based on a 36% total debt-to-income ratio. Some lenders allow a higher debt-to-income ratio, which would increase the price of the home you can afford. The monthly payment shown does not take into account private mortgage insurance, which would likely be required if your down payment is less than 20 percent. It does take into account your taxes and insurance when determining how much home you can afford, but the monthly payment amount is principal and interest only.

 

<%End If%>

LendingTree calculators are for informational purposes only. LendingTree does not guarantee the accuracy of the calculators, or that you will receive the input rates. Consult a financial advisor for details specific to your situation.

]]> Loan comparison calculator This calculator helps you compare mortgages and determine which loan is right for you. http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Loan-comparison-calculator.aspx Tue, 28 Aug 2007 10:30:00 EST Calculators http://www.lendingtree.com/smartborrower/Mortgage-Calculators/Loan-comparison-calculator.aspx Private Sub Page_Load(ByVal sender As System.Object, ByVal e As System.EventArgs) Handles MyBase.Load If IsPostBack Then Dim txtLoanAmt As TextBox = Page.FindControl("LoanAmount") Dim txtMortgageYrs As TextBox = Page.FindControl("MortgageYears") Dim txtIntRate1 As TextBox = Page.FindControl("InterestRate1") Dim txtIntRate2 As TextBox = Page.FindControl("InterestRate2") Dim txtLoanTrm1 As TextBox = Page.FindControl("LoanTerm1") Dim txtLoanTrm2 As TextBox = Page.FindControl("LoanTerm2") Dim txtDiscountPnts1 As TextBox = Page.FindControl("DiscountPoints1") Dim txtDiscountPnts2 As TextBox = Page.FindControl("DiscountPoints2") Dim txtOriginFee1 As TextBox = Page.FindControl("OriginationFee1") Dim txtOriginFee2 As TextBox = Page.FindControl("OriginationFee2") Dim txtCCosts1 As TextBox = Page.FindControl("ClosingCosts1") Dim txtCCosts2 As TextBox = Page.FindControl("ClosingCosts2") Dim txtAdjRate1 As RadioButtonList = Page.FindControl("AdjustableRate1") Dim txtAdjRate2 As RadioButtonList = Page.FindControl("AdjustableRate2") Dim txtInitRateTerm1 As TextBox = Page.FindControl("InitialRateTerm1") Dim txtInitRateTerm2 As TextBox = Page.FindControl("InitialRateTerm2") Dim txtIndx1 As TextBox = Page.FindControl("Index1") Dim txtIndx2 As TextBox = Page.FindControl("Index2") Dim txtMarg1 As TextBox = Page.FindControl("Margin1") Dim txtMarg2 As TextBox = Page.FindControl("Margin2") Dim txtRateAdj1 As TextBox = Page.FindControl("RateAdjustment1") Dim txtRateAdj2 As TextBox = Page.FindControl("RateAdjustment2") Dim txtRateCeil1 As TextBox = Page.FindControl("RateCeiling1") Dim txtRateCeil2 As TextBox = Page.FindControl("RateCeiling2") If AdjustableRate1.Text = "0" Then InitialRateTerm1.Enabled = True Index1.Enabled = True Margin1.Enabled = True RateAdjustment1.Enabled = True RateCeiling1.Enabled = True resetValue(InitialRateTerm1) resetValue(Index1) resetValue(Margin1) resetValue(RateAdjustment1) resetValue(RateCeiling1) Else InitialRateTerm1.Enabled = False Index1.Enabled = False Margin1.Enabled = False RateAdjustment1.Enabled = False RateCeiling1.Enabled = False InitialRateTerm1.Text = "0" Index1.Text = "0" Margin1.Text = "0" RateAdjustment1.Text = "0" RateCeiling1.Text = "0" End If If AdjustableRate2.Text = "0" Then InitialRateTerm2.Enabled = True Index2.Enabled = True Margin2.Enabled = True RateAdjustment2.Enabled = True RateCeiling2.Enabled = True resetValue(InitialRateTerm2) resetValue(Index2) resetValue(Margin2) resetValue(RateAdjustment2) resetValue(RateCeiling2) Else InitialRateTerm2.Enabled = False Index2.Enabled = False Margin2.Enabled = False RateAdjustment2.Enabled = False RateCeiling2.Enabled = False InitialRateTerm2.Text = "0" Index2.Text = "0" Margin2.Text = "0" RateAdjustment2.Text = "0" RateCeiling2.Text = "0" End If Dim ServiceConnector As localhost.Calculators = New localhost.Calculators Dim FormValues As System.Collections.Specialized.NameValueCollection FormValues = Request.Form ''''''''''''''''''''''''''''''''''''''''''''''''''' '''''''Initialize all field values''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''' Dim LoanAmt As Double = 0 If (FormValues.Item("LoanAmount") <> "") Then LoanAmt = CDbl(FormValues.Item("LoanAmount")) Else txtLoanAmt.Text = LoanAmt End If Dim MortgageYrs As Double = 0 If (FormValues.Item("MortgageYears") <> "") Then MortgageYrs = CDbl(FormValues.Item("MortgageYears")) Else txtMortgageYrs.Text = MortgageYrs End If Dim IntRate1 As Double = 0 If (FormValues.Item("InterestRate1") <> "") Then IntRate1 = CDbl(FormValues.Item("InterestRate1")) Else txtIntRate1.Text = IntRate1 End If Dim IntRate2 As Double = 0 If (FormValues.Item("InterestRate2") <> "") Then IntRate2 = CDbl(FormValues.Item("InterestRate2")) Else txtIntRate2.Text = IntRate2 End If Dim LoanTrm1 As Double = 1 If (FormValues.Item("LoanTerm1") <> "") Then LoanTrm1 = CDbl(FormValues.Item("LoanTerm1")) Else txtLoanTrm1.Text = "" End If Dim LoanTrm2 As Double = 1 If (FormValues.Item("LoanTerm2") <> "") Then LoanTrm2 = CDbl(FormValues.Item("LoanTerm2")) Else txtLoanTrm2.Text = "" End If Dim DiscountPnts1 As Double = 0 If (FormValues.Item("DiscountPoints1") <> "") Then DiscountPnts1 = CDbl(FormValues.Item("DiscountPoints1")) Else txtDiscountPnts1.Text = DiscountPnts1 End If Dim DiscountPnts2 As Double = 0 If (FormValues.Item("DiscountPoints2") <> "") Then DiscountPnts2 = CDbl(FormValues.Item("DiscountPoints2")) Else txtDiscountPnts2.Text = DiscountPnts2 End If Dim OriginFee1 As Double = 0 If (FormValues.Item("OriginationFee1") <> "") Then OriginFee1 = CDbl(FormValues.Item("OriginationFee1")) Else txtOriginFee1.Text = OriginFee1 End If Dim OriginFee2 As Double = 0 If (FormValues.Item("OriginationFee2") <> "") Then OriginFee2 = CDbl(FormValues.Item("OriginationFee2")) Else txtOriginFee2.Text = OriginFee2 End If Dim CCosts1 As Double = 0 If (FormValues.Item("ClosingCosts1") <> "") Then CCosts1 = CDbl(FormValues.Item("ClosingCosts1")) Else txtCCosts1.Text = CCosts1 End If Dim CCosts2 As Double = 0 If (FormValues.Item("ClosingCosts2") <> "") Then CCosts2 = CDbl(FormValues.Item("ClosingCosts2")) Else txtCCosts2.Text = CCosts2 End If Dim AdjRate1 As Integer = 1 If (FormValues.Item("AdjustableRate1") <> "") Then AdjRate1 = CInt(FormValues.Item("AdjustableRate1")) Else txtAdjRate1.Text = AdjRate1 End If Dim AdjRate2 As Integer = 1 If (FormValues.Item("AdjustableRate2") <> "") Then AdjRate2 = CInt(FormValues.Item("AdjustableRate2")) Else txtAdjRate2.Text = AdjRate2 End If Dim InitRateTerm1 As Integer = 0 If (FormValues.Item("InitialRateTerm1") <> "") Then InitRateTerm1 = CDbl(FormValues.Item("InitialRateTerm1")) Else txtInitRateTerm1.Text = InitRateTerm1 End If Dim InitRateTerm2 As Integer = 0 If (FormValues.Item("InitialRateTerm2") <> "") Then InitRateTerm2 = CDbl(FormValues.Item("InitialRateTerm2")) Else txtInitRateTerm2.Text = InitRateTerm2 End If Dim Indx1 As Double = 0 If (FormValues.Item("Index1") <> "") Then Indx1 = CDbl(FormValues.Item("Index1")) Else txtIndx1.Text = Indx1 End If Dim Indx2 As Double = 0 If (FormValues.Item("Index2") <> "") Then Indx2 = CDbl(FormValues.Item("Index2")) Else txtIndx2.Text = Indx2 End If Dim Marg1 As Double = 0 If (FormValues.Item("Margin1") <> "") Then Marg1 = CDbl(FormValues.Item("Margin1")) Else txtMarg1.Text = Marg1 End If Dim Marg2 As Double = 0 If (FormValues.Item("Margin2") <> "") Then Marg2 = CDbl(FormValues.Item("Margin2")) Else txtMarg2.Text = Marg2 End If Dim RateAdj1 As Double = 0 If (FormValues.Item("RateAdjustment1") <> "") Then RateAdj1 = CDbl(FormValues.Item("RateAdjustment1")) Else txtRateAdj1.Text = RateAdj1 End If Dim RateAdj2 As Double = 0 If (FormValues.Item("RateAdjustment2") <> "") Then RateAdj2 = CDbl(FormValues.Item("RateAdjustment2")) Else txtRateAdj2.Text = RateAdj2 End If Dim RateCeil1 As Double = 0 If (FormValues.Item("RateCeiling1") <> "") Then RateCeil1 = CDbl(FormValues.Item("RateCeiling1")) Else txtRateCeil1.Text = RateCeil1 End If Dim RateCeil2 As Double = 0 If (FormValues.Item("RateCeiling2") <> "") Then RateCeil2 = CDbl(FormValues.Item("RateCeiling2")) Else txtRateCeil2.Text = RateCeil2 End If ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' ''''''''''''''''''''''''''''''''''''''''''''''''''''''''''' IntRate1 = IntRate1 / 100 IntRate2 = IntRate2 / 100 Indx1 = Indx1 / 100 Indx2 = Indx2 / 100 Marg1 = Marg1 / 100 Marg2 = Marg2 / 100 RateAdj1 = RateAdj1 / 100 RateAdj2 = RateAdj2 / 100 RateCeil1 = RateCeil1 / 100 RateCeil2 = RateCeil2 / 100 Dim Results As String = ServiceConnector.WhichLoanIsBetter(LoanAmt, MortgageYrs, IntRate1, IntRate2, LoanTrm1, LoanTrm2, DiscountPnts1, _ DiscountPnts2, OriginFee1, OriginFee2, CCosts1, CCosts2, AdjRate1, AdjRate2, InitRateTerm1, InitRateTerm2, Indx1, Indx2, _ Marg1, Marg2, RateAdj1, RateAdj2, RateCeil1, RateCeil2) Dim ResultsArray As String() = Split(Results, ",") InitialMonthlyPayment1.Text = FormatCurrency(CDbl(ResultsArray(0))) InitialMonthlyPayment2.Text = FormatCurrency(CDbl(ResultsArray(1))) If (ResultsArray(2) = "") Then MaximumMonthlyPayment1.Text = "" Else MaximumMonthlyPayment1.Text = FormatCurrency(CDbl(ResultsArray(2))) End If If (ResultsArray(3) = "") Then MaximumMonthlyPayment2.Text = "" Else MaximumMonthlyPayment2.Text = FormatCurrency(CDbl(ResultsArray(3))) End If TotalUpfrontFees1.Text = FormatCurrency(CDbl(ResultsArray(4))) TotalUpfrontFees2.Text = FormatCurrency(CDbl(ResultsArray(5))) TotalCost1.Text = FormatCurrency(CDbl(ResultsArray(8))) TotalCost2.Text = FormatCurrency(CDbl(ResultsArray(9))) TotalSavings.Text = FormatCurrency(CDbl(ResultsArray(10))) If (CDbl(ResultsArray(8)) < CDbl(ResultsArray(9))) Then Lntype.Text = "Loan 1" Else Lntype.Text = "Loan 2" End If 'Calculate X yrs Numyrs.Text = MortgageYrs Else AdjustableRate1.Text = "1" InitialRateTerm1.Enabled = False Index1.Enabled = False Margin1.Enabled = False RateAdjustment1.Enabled = False RateCeiling1.Enabled = False AdjustableRate2.Text = "1" InitialRateTerm2.Enabled = False Index2.Enabled = False Margin2.Enabled = False RateAdjustment2.Enabled = False RateCeiling2.Enabled = False End If End Sub Private Sub resetValue(ByVal id) If id.text = "0" Then id.text = "" End If End Sub

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ARM Loan Adjustments

Loan 1

Loan 2

 

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Invalid entry entered for Loan Term under Loan 2. Please enter a number.
         
 

Invalid entry entered for Index under Loan 1. Please enter a number with no more than 3 decimal places.

Invalid entry entered for Index under Loan 2. Please enter a number with no more than 3 decimal places.
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Invalid entry entered for Margin under Loan 1. Please enter a number with no more than 3 decimal places.

Invalid entry entered for Margin under Loan 2. Please enter a number with no more than 3 decimal places.
%     %
 

Invalid entry entered for Rate Adjustment under Loan 1. Please enter a number with no more than 3 decimal places.

Invalid entry entered for Rate Adjustment under Loan 2. Please enter a number with no more than 3 decimal places.
%     %
 

Invalid entry entered for Lifetime cap under Loan 1. Please enter a number with no more than 3 decimal places.

Invalid entry entered for Lifetime Cap under Loan 2. Please enter a number with no more than 3 decimal places.
%     %
 
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Results

 

Loan 1

Loan 2

 
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<%If MaximumMonthlyPayment1.Text = "" Then%>                   <%end if %>
 
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Monthly payment amount is principal and interest only. It does not include taxes, homeowners insurance, or private mortgage insurance. If you are comparing an adjustable rate mortgage, this calculator allows you to estimate the change in your monthly payment for your first adjustment period only, as it can be difficult to accurately predict interest rates further out.

LendingTree calculators are for informational purposes only. LendingTree does not guarantee the accuracy of the calculators, or that you will receive the input rates. Consult a financial advisor for details specific to your situation.

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