


<!--------- monthly term -------

	var WGdc=".";
	var WGgc=",";
	var WGnc="-";
	var WGcs="";
function WGformatMoney(A,W)
{
// Author   : Jonathan Weesner (http://cyberstation.net/~jweesner/)
// Copyright: Use freely. Keep Author and Copyright lines intact.
	var N=Math.abs(Math.round(A*100));
   var S=((N<10)?"00":((N<100)?"0":""))+N;

   S=WGcs+((A<0)?WGnc:"")+WGgroup(S.substring(0,(S.length-2)))+WGdc+
      S.substring((S.length-2),S.length)+((A<0&&WGnc=="(")?")":"");
   return (S.length>W)?"Over":S;
}

// WGgroup inspired by Bill Dortch's usenet post (www.hidaho.com)
function WGgroup(S)
{
   return (S.length<4)?S:(WGgroup(S.substring(0,S.length-3))+
      WGgc+S.substring(S.length-3,S.length));
}


function amtround(num)
{
	numrnd = 0;
	numrnd = num * 100;
	numrnd = Math.round(numrnd);
	temp1 = numrnd.toString(10);
	temp1n = temp1.length;
	numrnd = temp1.substring(0,temp1n-2) + "." + temp1.substring(temp1n-2,temp1n);
	numrnd = parseFloat(numrnd);
}




function calculate(amt, rate, time)
{
	var paymts = 0;
	var p1 = 0;
	var p2 = 0;
	var exp = time;

	i = rate;
	paymts = time;

	i = i / 100;
	i /= 12;

		if (paymts != 0)
{
      var p1 = amt * i;
	   var p2 = 1 + i;
		base = p2;
		var cnt = 1;
		for (j = 0 ; j < exp; j++) {
			cnt = cnt * p2;
		}
		p2 = 1 / cnt;
		p2 = 1 - p2;
		result = p1 / p2; }
}

function getpayment(form)
{
	borrow1 = form.borrow1.value;
	bval = borrow1.split(",");
		if (bval.length > 1) {temp_value = bval[0] + bval[1];} else {temp_value = bval[0];}
		if (bval.length > 2) {temp_value = bval[0] + bval[1] + bval[2];}
		bval_n = parseFloat(temp_value);

	if ((form.borrow1.value != "") || (form.months1.value != "") || (form.rate1.value != "")) {
	calculate(bval_n, form.rate1.value, form.months1.value);} else
	 {result = 0}
	scenario1 = result;
	amtround(scenario1);
	payment1 = numrnd;
	//	form.payment1.value = numrnd;

	 form.payment1.value = WGformatMoney(payment1, 12);
	//	form.payment1.value = borrow1;


}

<!--------- calculations for affordability -------

	var WGdc=".";
	var WGgc=",";
	var WGnc="-";
	var WGcs="";
function WGformatMoney(A,W)
{
// Author   : Jonathan Weesner (http://cyberstation.net/~jweesner/)
// Copyright: Use freely. Keep Author and Copyright lines intact.
	var N=Math.abs(Math.round(A*100));
   var S=((N<10)?"00":((N<100)?"0":""))+N;

   S=WGcs+((A<0)?WGnc:"")+WGgroup(S.substring(0,(S.length-2)))+WGdc+
      S.substring((S.length-2),S.length)+((A<0&&WGnc=="(")?")":"");
   return (S.length>W)?"Over":S;
}

// WGgroup inspired by Bill Dortch's usenet post (www.hidaho.com)
function WGgroup(S)
{
   return (S.length<4)?S:(WGgroup(S.substring(0,S.length-3))+
      WGgc+S.substring(S.length-3,S.length));
}


function amtround3(num)
{
	numrnd = 0;
	numrnd = num * 100;
	numrnd = Math.round(numrnd);
	temp1 = numrnd.toString(10);
	temp1n = temp1.length;
	numrnd = temp1.substring(0,temp1n-2) + "." + temp1.substring(temp1n-2,temp1n);
	numrnd = parseFloat(numrnd);
}

function calculate3(amt, rate, time)
{
	var exp = -time;
      var j;

	i = rate;
	i = i / 100;
	i /= 12;

		if (time != 0)
{
		var term = 1;
		var diff = 1.0;
		var sum = 1.0;
		for (j = 1 ; j < 10; j++) {
			diff = diff * exp / j;
                  exp = exp - 1;
                  term = term * i;
                  sum = sum + diff * term;
                }
 		result = (amt * (1.0 - sum) / i*100)/100; }
}

function getpayment2(form)
{
	borrow3 = form.borrow3.value;
	bval = borrow3.split(",");
		if (bval.length > 1) {temp_value = bval[0] + bval[1];} else {temp_value = bval[0];}
		if (bval.length > 2) {temp_value = bval[0] + bval[1] + bval[2];}
		bval_n = parseFloat(temp_value);

	if ((form.borrow3.value != "") || (form.months3.value != "") || (form.rate3.value != "")) {
	calculate3(bval_n, form.rate3.value, form.months3.value);} else
	 {result = 0}
	scenario3 = result;
	amtround3(scenario3);
	payment3 = numrnd;





	  form.payment3.value = WGformatMoney(payment3, 12);
	//	form.payment3.value = borrow3;


}



function amtroundltv(num)
{
	numrnd = 0;
	numrnd = num * 100;
	numrnd = Math.round(numrnd);
	temp1 = numrnd.toString(10);
	temp1n = temp1.length;
	numrnd = temp1.substring(0,temp1n-2) + "." + temp1.substring(temp1n-2,temp1n);
	numrnd = parseFloat(numrnd);
}


function calculateltv(amt, rate)
{
	i = rate;
	i = i / 100;

	if (amt != "") {pmv = amt * i;} else {pmv = 0}

}

function getltv(form)
{

	marketvalue = form.marketvalue.value;
	mval = marketvalue.split(",");
		if (mval.length > 1) {temp_value = mval[0] + mval[1];} else {temp_value = mval[0];}
		if (mval.length > 2) {temp_value = mval[0] + mval[1] + mval[2];}
		mval_n = parseFloat(temp_value);

	if ((form.marketvalue.value != "") && (form.amt_owe != "")) {
	calculateltv(mval_n, 80);} else {pmv = 0}
	amtroundltv(pmv);
	pmv1 = numrnd;
	// form.pmv1.value = numrnd;

	if ((form.marketvalue.value != "") && (form.amt_owe != "")) {
	calculateltv(mval_n, 90);} else {pmv = 0}
	amtroundltv(pmv);
	pmv2 = numrnd;
	// form.pmv2.value = numrnd;

	if ((form.marketvalue.value != "") && (form.amt_owe != "")) {
	calculateltv(mval_n, 100);} else {pmv = 0}
	amtroundltv(pmv);
	pmv3 = numrnd;
	// form.pmv3.value = numrnd;

	if ((form.marketvalue.value != "") && (form.amt_owe != "")) {
	calculateltv(mval_n, 70);} else {pmv = 0}
	amtroundltv(pmv);
	pmv4 = numrnd;
	// form.pmv4.value = numrnd;


	amt_owe = form.amt_owe.value;
	aval = amt_owe.split(",");
		if (aval.length > 1) {temp_value = aval[0] + aval[1];} else {temp_value = aval[0];}
		if (aval.length > 2) {temp_value = aval[0] + aval[1] + aval[2];}
		aval_n = parseFloat(temp_value);

	var borrow = 0;
	if (form.amt_owe.value == "") {borrow = parseFloat(borrow);} else
			{borrow = aval_n}

	if (pmv1 > borrow)
			 {difference = pmv1 - borrow;} else {difference = 0;}
		amtroundltv(difference);
		total1 = numrnd;
		// form.total1.value = numrnd;

	if (pmv2 > borrow)
			 {difference = pmv2 - borrow;} else {difference = 0;}
		amtroundltv(difference);
		total2 = numrnd;
		// form.total2.value = numrnd;

	if (pmv3 > borrow)
			 {difference = pmv3 - borrow;} else {difference = 0;}
		amtroundltv(difference);
		total3 = numrnd;
		// form.total3.value = numrnd;

	if (pmv4 > borrow)
			 {difference = pmv4 - borrow;} else {difference = 0;}
		amtroundltv(difference);
		total4 = numrnd;
		// form.total4.value = numrnd;


	form.pmv1.value = WGformatMoney(pmv1, 12);
	form.pmv2.value = WGformatMoney(pmv2, 12);
	form.pmv3.value = WGformatMoney(pmv3, 12);
	form.pmv4.value = WGformatMoney(pmv4, 12);
	form.total1.value = WGformatMoney(total1, 12);
	form.total2.value = WGformatMoney(total2, 12);
	form.total3.value = WGformatMoney(total3, 12);
	form.total4.value = WGformatMoney(total4, 12);

}