// JavaScript Document

	<!--
	//  Affordability Calculator
	//  
	// Home Affordability Calculator 
	function selectcell() {
	  document.inputForm.moInc.select()
	  document.inputForm.moInc.focus()
	}
	
	function chknos(nos)
	{
	var str = nos.value;
	if(str.length == 0) {
	 return false;
	}
	oneDecimal = false;
	for (var i = 0; i <str.length; i++) {
	 var y = str.substring(i, i + 1);
	 if (y == "." && !oneDecimal) {
		oneDecimal = true;
		continue
	 }
	 if (y < "0" || y > "9") {
	 alert("Please enter positive numbers only. Calculator will use the default value for this entry. Click on underlined items for help and default values.");
	 return false;
	 }
	}
	 return true;
	}
	function number(nos,def)
	{
	if(!chknos(nos)) {
	 return def;
	}
	var use = nos.value;
	if(use == "" || use == null || (0 + use) == 0) {
	 return def;
	}
	return parseFloat(use); 
	}
	function f1(nos, y) {
	var str = "" + Math.round(nos);
	if (str.length == 0) {
	   str = "0";
	}
	str = "$" + str;
	i = y - str.length;
	while (0 < i--) {
	 str = " " + str;
	}
	return str;
	}
	function f2(nos, y, dec) {
	  var str = "" + Math.round(eval(nos)*Math.pow(10,dec));
		while (str.length <= dec) {
		  str = "0" + str;
		}
	  var decpoint = str.length - dec;
	  str = str.substring (0,decpoint) + "." +
		str.substring (decpoint, str.length);
	if (str.length == 0) {
		str = "0";
	}
	str = str;
	i = y - str.length;
	while (0 < i--) {
	 str = " " + str;
	}
	return str;
	}
	function f3(nos, y) {
	var str = "" + Math.round(nos);
	if (str.length == 0) {
		 str = "0";
	}
	i = y - str.length;
	while (0 < i--) {
	 str = " " + str;
	}
	return str;
	}
	var newLoan = 0;
	function compute(input)
	{
	var table = input.form;
	percentDown = number(table.percentDown, 3);
	moTtlInc = number(table.moInc,0)
	moDebt = number(table.moDebt, 0)
	percentCC = number(table.percentCC, 3);
	if (percentDown < 5) {
		percentDown = 3.0; 
	}
	if (percentDown >= 20) {
	   pmi_rate = 0;
	   availInc = moTtlInc * 0.33;
	   if ((moTtlInc * 0.38 - moDebt) <= (moTtlInc * 0.33)) {
		  availInc = moTtlInc * 0.38 - moDebt;
	   }
	}
	if (percentDown < 20) {
	   availInc = moTtlInc * 0.28;
	   if ((moTtlInc * 0.36 - moDebt) <= (moTtlInc * 0.28)) {
		  availInc = moTtlInc * 0.36 - moDebt;
	   }
	}
	if (percentDown <= 15) {
	   pmi_rate = 0.0073 - (percentDown - 3) * 0.000108;
	}
	if (percentDown > 15 && percentDown < 20) {
		pmi_rate = 0.0060 - (percentDown - 15) * 0.00076;
	}
	taxRate = number(table.taxRate, 1.2) / 1200;
	intRate = table.rate.options[table.rate.selectedIndex].text;
	term = table.term.options[table.term.selectedIndex].text;
	insRate = number(table.insRate, 0.3) / 1200;
	downTotal = number(table.down, 0);
	moFees = number(table.fees, 0) / 12;
	loan = (1 - Math.pow(intRate/1200 + 1, -term*12))*
	 (availInc) / (intRate/1200);
	moTax = loan * taxRate * (1/(1 - percentDown/100));
	moIns = loan * insRate * (1/(1 - percentDown/100));
	mopmi = pmi_rate * loan /12;
	for ( var i = 1; i <= 100; i++) {
		moPI2 = availInc - moFees - moTax - moIns - mopmi;
		moPI1 = (Math.round((moPI2)*Math.pow(10,3)))/1000;
		newLoan = (1 - Math.pow(intRate/1200 + 1, -term*12)) * moPI1 / (intRate/1200);
		moTax = newLoan * taxRate * (1/(1 - percentDown/100));
		moIns = newLoan * insRate * (1/(1 - percentDown/100));
		mopmi = pmi_rate * newLoan /12;
		moPI2 = availInc - moFees - moTax - moIns - mopmi;
		moPI = (Math.round((moPI2)*Math.pow(10,3)))/1000;
		if ((moPI1 - moPI) == 0) {
		   
		   i = 100;
		}
	}
	downPay = newLoan * ((1/(1 - percentDown/100)) - 1);
	propValue = newLoan + downPay;
	downClose = propValue * percentCC/100;
	down_close = downClose + downPay;
	addDown = downTotal - down_close;
	table.moInc.value = f3(moTtlInc, 1);
	table.moDebt.value = f3(moDebt, 1);
	table.down.value = f3(downTotal, 1);
	table.taxRate.value = f2(taxRate*1200, 1, 2);
	table.insRate.value = f2(insRate*1200, 1, 2);
	table.fees.value = f3(moFees*12, 1);
	table.percentDown.value = f2(percentDown, 1, 1);
	table.percentCC.value = f2(percentCC, 1, 1);
	totalPay = moPI + moTax + moIns + moFees + mopmi;
	if (newLoan <= 0) totalPay =0;
	table.totalPay.value = f1(totalPay, 10);
	if (newLoan <= 0) moTax = 0;
	table.moTax.value = f1(moTax, 10);
	if (newLoan <= 0) moIns =0;
	table.moIns.value = f1(moIns, 10);
	table.moFees.value = f1(moFees, 10);
	if (newLoan <= 0) downClose = 0;
	table.downClose.value = f1(downClose, 10);
	if (newLoan <= 0) mopmi = 0;
	table.mopmi.value = f1(mopmi, 10);
	if (newLoan <= 0) down_close = 0;
	table.down_close.value = f1(down_close, 10);
	if (newLoan <= 0) addDown = 0;
	table.addDown.value = f1(addDown, 10);
	if (moPI <= 0) moPI = 0;
	table.moPI.value=f1(moPI, 10);
	if(newLoan <= 0) newLoan = 0;
	table.maxLoan.value = f1(newLoan, 10);
	if (newLoan <= 0) propValue = 0;
	table.propValue.value = f1(propValue, 10);
	if (newLoan <= 0) downPay = 0;
	table.downPay.value = f1(downPay, 10);
	intRate=intRate*1000
	document.cookie="condition_loan="+intRate.toString()+term.toString()+(Math.round(newLoan)).toString()
	}
	function checkLoan(form) {
	   var moInc = document.inputForm.moInc.value;
	   if (isNaN(newLoan) || newLoan == 0 || newLoan < 1000 || moInc == 0) {
			alert("Maximum Mortgage Amount is either blank, zero or less than 1000. You must enter enough income to generate a mortgage loan amount of 1000 or greater to run an Amortization Table.")
	   document.inputForm.moInc.select()
	   document.inputForm.moInc.focus()
	   
	   }else{
	window.open("amortz.html","Amortz","menubar,scrollbars,width=520,height=400")
	}
	}
	<!-->