KJE.MortgageMaxCalc=function(){this.CANADIAN=KJE.parameters.get("CANADIAN",false);this.bCALC_PMI=KJE.parameters.get("CALC_PMI",false);this.PMI_RATE=KJE.parameters.get("PMI_RATE",0.005);this.bREAL_ESTATE_TAXES=false;this.REAL_ESTATE_TAXES_RATE=0.0125;this.bHAZARD_INSURANCE=false;this.HAZARD_INSURANCE_RATE=0.0035;this.bHOUSING_EXPENSES=false;this.HOUSING_EXPENSES_RATE=0;this.MAX_RATE=1;this.INCREMENT=KJE.parameters.get("INCREMENT",0.25);this.YOUR_INCOME=0;this.LOAN_AMOUNT=0;this.INTEREST_RATE=0;this.TERM_IN_MONTHS=0;this.MONTHLY_HOUSING_EXPENSES=0;this.MONTHLY_LIABILITIES=0;this.LOAN_PI=0;this.LOAN_PITI=0;this.LOW_DEBT_PITI_RATE=KJE.parameters.get("LOW_DEBT_PITI_RATE",28);this.HIGH_DEBT_PITI_RATE=KJE.parameters.get("HIGH_DEBT_PITI_RATE",36);this.QLFY_PITI_DEBT=0;this.QLFY_PITI_ONLY=0;this.SALARY=0;this.COMMISSION=0;this.BONUS=0;this.OTHER_INCOME=0;this.COBORROWER_SALARY=0;this.COBORROWER_COMMISSION=0;this.COBORROWER_BONUS=0;this.COBORROWER_OTHER_INCOME=0;this.SALARY_UNITS=KJE.MortgageMaxCalc.ITEM_MONTHLY;this.COMMISSION_UNITS=KJE.MortgageMaxCalc.ITEM_ANNUAL;this.BONUS_UNITS=KJE.MortgageMaxCalc.ITEM_ANNUAL;this.OTHER_UNITS=KJE.MortgageMaxCalc.ITEM_ANNUAL;this.COBORROWER_SALARY_UNITS=KJE.MortgageMaxCalc.ITEM_MONTHLY;this.COBORROWER_COMMISSION_UNITS=KJE.MortgageMaxCalc.ITEM_ANNUAL;this.COBORROWER_BONUS_UNITS=KJE.MortgageMaxCalc.ITEM_ANNUAL;this.COBORROWER_OTHER_INCOME_UNITS=KJE.MortgageMaxCalc.ITEM_ANNUAL;this.REAL_ESTATE_TAXES=0;this.HAZARD_INSURANCE=0;this.HOUSING_EXPENSES=0;this.MORTGAGE_INSURANCE=0;this.REAL_ESTATE_TAXES_UNIT=KJE.MortgageMaxCalc.ITEM_SEMIANNUAL;this.HAZARD_INSURANCE_UNIT=KJE.MortgageMaxCalc.ITEM_ANNUAL;this.HOUSING_EXPENSES_UNIT=KJE.MortgageMaxCalc.ITEM_MONTHLY;this.MORTGAGE_INSURANCE_UNIT=KJE.MortgageMaxCalc.ITEM_MONTHLY;this.AUTO_LOANS=0;this.CREDIT_CARDS=0;this.INSTALLMENT_LOANS=0;this.STUDENT_LOANS=0;this.ALIMONY_CHILD_SUPPORT=0;this.OTHER_LOANS=0;this.OTHER_LIABILITY=0;this.COBORROWER_AUTO_LOANS=0;this.COBORROWER_CREDIT_CARDS=0;this.COBORROWER_INSTALLMENT_LOANS=0;this.COBORROWER_STUDENT_LOANS=0;this.COBORROWER_ALIMONY_CHILD_SUPPORT=0;this.COBORROWER_OTHER_LOANS=0;this.COBORROWER_OTHER_LIABILITY=0;this.LOAN_COUNT=KJE.parameters.get("LOAN_COUNT",6);this.DS_RATE=KJE.FloatArray(this.LOAN_COUNT);this.DS_LOAN_PI=KJE.FloatArray(this.LOAN_COUNT);this.DS_LOAN_PITI=KJE.FloatArray(this.LOAN_COUNT);this.DS_LOAN_AMOUNT=KJE.FloatArray(this.LOAN_COUNT);this.cats=new Array();this.sSchedule=new KJE.Repeating()};KJE.MortgageMaxCalc.prototype.clear=function(){};KJE.MortgageMaxCalc.prototype.calculate=function(c){var d=KJE;this.YOUR_INCOME=this.sumIncome();this.MONTHLY_LIABILITIES=this.sumLiabilities();this.QLFY_PITI_DEBT=(this.YOUR_INCOME*(this.HIGH_DEBT_PITI_RATE/100))-this.MONTHLY_LIABILITIES;this.QLFY_PITI_ONLY=(this.YOUR_INCOME*(this.LOW_DEBT_PITI_RATE/100));this.LOAN_PITI=(this.QLFY_PITI_DEBTRate",1),a.sReportCol("Annual
Income ",2),a.sReportCol("Monthly
Liabilities ",3),a.sReportCol("Qualifying
Payment (PITI)",4),a.sReportCol("Qualifying
Payment (PI)",5),a.sReportCol("Qualifying
Mortgage",6))}for(var e=1;e<=this.LOAN_COUNT;e++){b=e-1;if(e==1){this.DS_RATE[b]=(this.INTEREST_RATE/100)}else{this.DS_RATE[b]=d.round((this.DS_RATE[b-1]+this.INCREMENT/100),5)}this.cats[b]=""+d.percent(this.DS_RATE[b],3);this.DS_LOAN_PITI[b]=this.LOAN_PITI;this.DS_LOAN_AMOUNT[b]=this.getLoanAmount(this.DS_LOAN_PITI[b],this.getPeriodRate(this.DS_RATE[b],12),this.TERM_IN_MONTHS);this.DS_LOAN_PI[b]=(this.DS_LOAN_PITI[b]-this.sumHousing(this.DS_LOAN_AMOUNT[b]));if(this.DS_LOAN_PI[b]<=0){this.DS_LOAN_PI[b]=0}if(e==1){this.LOAN_AMOUNT=this.DS_LOAN_AMOUNT[0]}if(c){a.addRepeat(d.percent(this.DS_RATE[b],3),d.dollars(this.YOUR_INCOME*12),d.dollars(this.MONTHLY_LIABILITIES),d.dollars(this.LOAN_PITI),d.dollars(this.LOAN_PI),d.dollars(this.DS_LOAN_AMOUNT[b]))}}this.MONTHLY_HOUSING_EXPENSES=this.sumHousing(this.LOAN_AMOUNT)};KJE.MortgageMaxCalc.prototype.formatReport=function(a){var b=KJE;var c=a;c=KJE.replace("LOW_DEBT_PITI_RATE",b.percent(this.LOW_DEBT_PITI_RATE/100),c);c=KJE.replace("HIGH_DEBT_PITI_RATE",b.percent(this.HIGH_DEBT_PITI_RATE/100),c);c=KJE.replace("QLFY_PITI_DEBT",b.dollars(this.QLFY_PITI_DEBT,2),c);c=KJE.replace("QLFY_PITI_ONLY",b.dollars(this.QLFY_PITI_ONLY,2),c);c=KJE.replace("YOUR_ANNUAL_INCOME",b.dollars(this.YOUR_INCOME*12),c);c=KJE.replace("INCREMENT",b.number(this.INCREMENT,2),c);c=KJE.replace("YOUR_INCOME",b.dollars(this.YOUR_INCOME,2),c);c=KJE.replace("LOAN_AMOUNT",b.dollars(this.LOAN_AMOUNT),c);c=KJE.replace("INTEREST_RATE",b.percent(this.INTEREST_RATE/100,3),c);c=KJE.replace("TERM_IN_MONTHS",b.number(this.TERM_IN_MONTHS),c);c=KJE.replace("TERM_IN_YEARS",b.number(this.TERM_IN_MONTHS/12),c);c=KJE.replace("MONTHLY_HOUSING_EXPENSES",b.dollars(this.MONTHLY_HOUSING_EXPENSES,2),c);c=KJE.replace("MONTHLY_LIABILITIES",b.dollars(this.MONTHLY_LIABILITIES,2),c);c=KJE.replace("LOAN_PITI",b.dollars(this.LOAN_PITI,2),c);c=KJE.replace("LOAN_PI",b.dollars(this.LOAN_PI,2),c);c=KJE.replace("COBORROWER_BONUS_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.COBORROWER_BONUS_UNITS],c);c=KJE.replace("COBORROWER_OTHER_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.COBORROWER_OTHER_INCOME_UNITS],c);c=KJE.replace("COBORROWER_SALARY_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.COBORROWER_SALARY_UNITS],c);c=KJE.replace("COBORROWER_COMMISSION_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.COBORROWER_COMMISSION_UNITS],c);c=KJE.replace("COBORROWER_SALARY",b.dollars(this.COBORROWER_SALARY,2),c);c=KJE.replace("COBORROWER_COMMISSION",b.dollars(this.COBORROWER_COMMISSION,2),c);c=KJE.replace("COBORROWER_BONUS",b.dollars(this.COBORROWER_BONUS,2),c);c=KJE.replace("COBORROWER_OTHER_INCOME",b.dollars(this.COBORROWER_OTHER_INCOME,2),c);c=KJE.replace("REAL_ESTATE_TAXES_UNIT",KJE.MortgageMaxCalc.ITEM_DESC[this.REAL_ESTATE_TAXES_UNIT],c);c=KJE.replace("HAZARD_INSURANCE_UNIT",KJE.MortgageMaxCalc.ITEM_DESC[this.HAZARD_INSURANCE_UNIT],c);c=KJE.replace("HOUSING_EXPENSES_UNIT",KJE.MortgageMaxCalc.ITEM_DESC[this.HOUSING_EXPENSES_UNIT],c);c=KJE.replace("BONUS_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.BONUS_UNITS],c);c=KJE.replace("OTHER_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.OTHER_UNITS],c);c=KJE.replace("SALARY_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.SALARY_UNITS],c);c=KJE.replace("COMMISSION_UNITS",KJE.MortgageMaxCalc.ITEM_DESC[this.COMMISSION_UNITS],c);c=KJE.replace("MORTGAGE_INSURANCE_UNIT",KJE.MortgageMaxCalc.ITEM_DESC[this.MORTGAGE_INSURANCE_UNIT],c);c=KJE.replace("REAL_ESTATE_TAXES",b.dollars(this.REAL_ESTATE_TAXES,2),c);c=KJE.replace("HAZARD_INSURANCE",b.dollars(this.HAZARD_INSURANCE,2),c);c=KJE.replace("HOUSING_EXPENSES",b.dollars(this.HOUSING_EXPENSES,2),c);c=KJE.replace("MORTGAGE_INSURANCE",b.dollars(this.MORTGAGE_INSURANCE,2),c);c=KJE.replace("COBORROWER_AUTO_LOANS",b.dollars(this.COBORROWER_AUTO_LOANS,2),c);c=KJE.replace("COBORROWER_CREDIT_CARDS",b.dollars(this.COBORROWER_CREDIT_CARDS,2),c);c=KJE.replace("COBORROWER_INSTALLMENT_LOANS",b.dollars(this.COBORROWER_INSTALLMENT_LOANS,2),c);c=KJE.replace("COBORROWER_STUDENT_LOANS",b.dollars(this.COBORROWER_STUDENT_LOANS,2),c);c=KJE.replace("COBORROWER_ALIMONY_CHILD_SUPPORT",b.dollars(this.COBORROWER_ALIMONY_CHILD_SUPPORT,2),c);c=KJE.replace("COBORROWER_OTHER_LOANS",b.dollars(this.COBORROWER_OTHER_LOANS,2),c);c=KJE.replace("COBORROWER_OTHER_LIABILITY",b.dollars(this.COBORROWER_OTHER_LIABILITY,2),c);c=KJE.replace("AUTO_LOANS",b.dollars(this.AUTO_LOANS,2),c);c=KJE.replace("CREDIT_CARDS",b.dollars(this.CREDIT_CARDS,2),c);c=KJE.replace("INSTALLMENT_LOANS",b.dollars(this.INSTALLMENT_LOANS,2),c);c=KJE.replace("STUDENT_LOANS",b.dollars(this.STUDENT_LOANS,2),c);c=KJE.replace("ALIMONY_CHILD_SUPPORT",b.dollars(this.ALIMONY_CHILD_SUPPORT,2),c);c=KJE.replace("OTHER_LOANS",b.dollars(this.OTHER_LOANS,2),c);c=KJE.replace("OTHER_LIABILITY",b.dollars(this.OTHER_LIABILITY,2),c);c=KJE.replace("SALARY",b.dollars(this.SALARY,2),c);c=KJE.replace("COMMISSION",b.dollars(this.COMMISSION,2),c);c=KJE.replace("BONUS",b.dollars(this.BONUS,2),c);c=KJE.replace("OTHER_INCOME",b.dollars(this.OTHER_INCOME,2),c);c=c.replace("**REPEATING GROUP**",this.sSchedule.getRepeat());this.sSchedule.clearRepeat();return c};KJE.MortgageMaxCalc.prototype.sumLiabilities=function(){return this.AUTO_LOANS+this.CREDIT_CARDS+this.INSTALLMENT_LOANS+this.STUDENT_LOANS+this.ALIMONY_CHILD_SUPPORT+this.OTHER_LOANS+this.OTHER_LIABILITY+this.COBORROWER_AUTO_LOANS+this.COBORROWER_CREDIT_CARDS+this.COBORROWER_INSTALLMENT_LOANS+this.COBORROWER_STUDENT_LOANS+this.COBORROWER_ALIMONY_CHILD_SUPPORT+this.COBORROWER_OTHER_LOANS+this.COBORROWER_OTHER_LIABILITY};KJE.MortgageMaxCalc.prototype.sumIncome=function(){var c=0;var b=KJE.MortgageMaxCalc.SALARY_PERIODS_YEARLY;var a=b[this.SALARY_UNITS];c+=(a==12?this.SALARY:(this.SALARY*a)/12);a=b[this.COMMISSION_UNITS];c+=(a==12?this.COMMISSION:(this.COMMISSION*a)/12);a=b[this.BONUS_UNITS];c+=(a==12?this.BONUS:(this.BONUS*a)/12);a=b[this.OTHER_UNITS];c+=(a==12?this.OTHER_INCOME:(this.OTHER_INCOME*a)/12);a=b[this.COBORROWER_SALARY_UNITS];c+=(a==12?this.COBORROWER_SALARY:(this.COBORROWER_SALARY*a)/12);a=b[this.COBORROWER_COMMISSION_UNITS];c+=(a==12?this.COBORROWER_COMMISSION:(this.COBORROWER_COMMISSION*a)/12);a=b[this.COBORROWER_BONUS_UNITS];c+=(a==12?this.COBORROWER_BONUS:(this.COBORROWER_BONUS*a)/12);a=b[this.COBORROWER_OTHER_INCOME_UNITS];c+=(a==12?this.COBORROWER_OTHER_INCOME:(this.COBORROWER_OTHER_INCOME*a)/12);return c};KJE.MortgageMaxCalc.prototype.sumHousing=function(e){var b=0;var c=0;var a=KJE.round;if(this.bREAL_ESTATE_TAXES){this.REAL_ESTATE_TAXES=a((this.REAL_ESTATE_TAXES_RATE)*e,2);this.REAL_ESTATE_TAXES_UNIT=KJE.MortgageMaxCalc.ITEM_ANNUAL}if(this.REAL_ESTATE_TAXES_UNIT==(KJE.MortgageMaxCalc.ITEM_ANNUAL)){c=this.REAL_ESTATE_TAXES/12}else{if(this.REAL_ESTATE_TAXES_UNIT==(KJE.MortgageMaxCalc.ITEM_SEMIANNUAL)){c=this.REAL_ESTATE_TAXES/6}else{if(this.REAL_ESTATE_TAXES_UNIT==(KJE.MortgageMaxCalc.ITEM_MONTHLY)){c=this.REAL_ESTATE_TAXES}}}if(!this.bREAL_ESTATE_TAXES){this.REAL_ESTATE_TAXES_RATE=a(c*12/e,5);if(this.REAL_ESTATE_TAXES_RATE>1||this.REAL_ESTATE_TAXES_RATE==NaN){this.REAL_ESTATE_TAXES_RATE=this.MAX_RATE}if(c==0){this.REAL_ESTATE_TAXES_RATE=0}}b+=c;c=0;if(this.bHAZARD_INSURANCE){this.HAZARD_INSURANCE=a((this.HAZARD_INSURANCE_RATE)*e,2);this.HAZARD_INSURANCE_UNIT=KJE.MortgageMaxCalc.ITEM_ANNUAL}if(this.HAZARD_INSURANCE_UNIT==(KJE.MortgageMaxCalc.ITEM_ANNUAL)){c=this.HAZARD_INSURANCE/12}else{if(this.HAZARD_INSURANCE_UNIT==(KJE.MortgageMaxCalc.ITEM_SEMIANNUAL)){c=this.HAZARD_INSURANCE/6}else{if(this.HAZARD_INSURANCE_UNIT==(KJE.MortgageMaxCalc.ITEM_MONTHLY)){c=this.HAZARD_INSURANCE}}}if(!this.bHAZARD_INSURANCE){this.HAZARD_INSURANCE_RATE=a(c*12/e,5);if(this.HAZARD_INSURANCE_RATE>1||this.HAZARD_INSURANCE_RATE==NaN){this.HAZARD_INSURANCE_RATE=this.MAX_RATE}if(c==0){this.HAZARD_INSURANCE_RATE=0}}b+=c;c=0;if(this.bHOUSING_EXPENSES){this.HOUSING_EXPENSES=a((this.HOUSING_EXPENSES_RATE)*e,2);this.HOUSING_EXPENSES_UNIT=KJE.MortgageMaxCalc.ITEM_ANNUAL}if(this.HOUSING_EXPENSES_UNIT==(KJE.MortgageMaxCalc.ITEM_ANNUAL)){c=this.HOUSING_EXPENSES/12}else{if(this.HOUSING_EXPENSES_UNIT==(KJE.MortgageMaxCalc.ITEM_SEMIANNUAL)){c=this.HOUSING_EXPENSES/6}else{if(this.HOUSING_EXPENSES_UNIT==(KJE.MortgageMaxCalc.ITEM_MONTHLY)){c=this.HOUSING_EXPENSES}}}if(!this.bHOUSING_EXPENSES){this.HOUSING_EXPENSES_RATE=a(c*12/e,5);if(this.HOUSING_EXPENSES_RATE>1||this.HOUSING_EXPENSES_RATE==NaN){this.HOUSING_EXPENSES_RATE=this.MAX_RATE}if(c==0){this.HOUSING_EXPENSES_RATE=0}}b+=(this.CANADIAN?c/2:c);c=0;if(this.bCALC_PMI){this.MORTGAGE_INSURANCE=a((this.PMI_RATE)*e,2);this.MORTGAGE_INSURANCE_UNIT=KJE.MortgageMaxCalc.ITEM_ANNUAL}if(this.MORTGAGE_INSURANCE_UNIT==(KJE.MortgageMaxCalc.ITEM_ANNUAL)){c=this.MORTGAGE_INSURANCE/12}else{if(this.MORTGAGE_INSURANCE_UNIT==(KJE.MortgageMaxCalc.ITEM_SEMIANNUAL)){c=this.MORTGAGE_INSURANCE/6}else{if(this.MORTGAGE_INSURANCE_UNIT==(KJE.MortgageMaxCalc.ITEM_MONTHLY)){c=this.MORTGAGE_INSURANCE}}}if(!this.bCALC_PMI){this.PMI_RATE=a(c*12/e,5);if(this.PMI_RATE>1||this.PMI_RATE==NaN){this.PMI_RATE=this.MAX_RATE}if(c==0){this.PMI_RATE=0}}b+=c;return b};KJE.MortgageMaxCalc.prototype.getLoanAmount=function(g,e,d){if(g<=0){return 0}var c=g-this.sumHousing(0);if(c<=0){return 0}var f=KJE.PV;var a=f(e,d,c);if(this.bREAL_ESTATE_TAXES||this.bHAZARD_INSURANCE||this.bHOUSING_EXPENSES||this.bCALC_PMI){for(var b=0;b<10;b++){c=g-this.sumHousing(a);if(c<=0){return 0}a=f(e,d,c)}}return a};KJE.MortgageMaxCalc.ITEM_ANNUAL=0;KJE.MortgageMaxCalc.ITEM_SEMIANNUAL=1;KJE.MortgageMaxCalc.ITEM_MONTHLY=2;KJE.MortgageMaxCalc.ITEM_WEEKLY=3;KJE.MortgageMaxCalc.ITEM_HOURLY=4;KJE.MortgageMaxCalc.ITEM_BIWEEKLY=5;KJE.MortgageMaxCalc.ITEM_SEMIMONTHLY=6;KJE.MortgageMaxCalc.ITEM_QUARTERLY=7;KJE.MortgageMaxCalc.ITEM_PERCENT=8;KJE.MortgageMaxCalc.ITEM_DESC=KJE.parameters.get("ARRAY_ITEM_DESC",["Annual","Semi-Annual","Monthly","Weekly","Hourly","Bi-Weekly","Semi-Monthly","Quarterly","Annually"]);KJE.MortgageMaxCalc.SALARY_PERIODS_YEARLY=[1,2,12,52,2080,26,24,4];KJE.MortgageMaxCalc.SALARY_LENGTH=[12,6,1,52,2080,26,2,3];KJE.MortgageMaxCalc.SALARY_INDEX=[KJE.MortgageMaxCalc.ITEM_ANNUAL,KJE.MortgageMaxCalc.ITEM_SEMIANNUAL,KJE.MortgageMaxCalc.ITEM_MONTHLY,KJE.MortgageMaxCalc.ITEM_WEEKLY,KJE.MortgageMaxCalc.ITEM_HOURLY,KJE.MortgageMaxCalc.ITEM_BIWEEKLY,KJE.MortgageMaxCalc.ITEM_SEMIMONTHLY,KJE.MortgageMaxCalc.ITEM_QUARTERLY];KJE.MortgageMaxCalc.SALARY_DESC=KJE.parameters.get("ARRAY_SALARY_DESC",["Annual","Semi-Annual","Monthly","Weekly","Hourly","Bi-Weekly","Semi-Monthly","Quarterly"]);KJE.MortgageMaxCalc.EXPENSE_INDEX=[KJE.MortgageMaxCalc.ITEM_ANNUAL,KJE.MortgageMaxCalc.ITEM_SEMIANNUAL,KJE.MortgageMaxCalc.ITEM_MONTHLY,KJE.MortgageMaxCalc.ITEM_PERCENT];KJE.MortgageMaxCalc.EXPENSE_DESC=[KJE.MortgageMaxCalc.SALARY_DESC[0],KJE.MortgageMaxCalc.SALARY_DESC[1],KJE.MortgageMaxCalc.SALARY_DESC[2],"Percent"];KJE.MortgageMaxCalc.EXPENSE_INDEX2=[KJE.MortgageMaxCalc.ITEM_ANNUAL,KJE.MortgageMaxCalc.ITEM_SEMIANNUAL,KJE.MortgageMaxCalc.ITEM_MONTHLY];KJE.MortgageMaxCalc.EXPENSE_DESC2=[KJE.MortgageMaxCalc.SALARY_DESC[0],KJE.MortgageMaxCalc.SALARY_DESC[1],KJE.MortgageMaxCalc.SALARY_DESC[2]];KJE.MortgageMaxCalc.getIncomeDrop=function(b,a,c){return KJE.getDropBox(b,KJE.parameters.get(b,(!a?KJE.MortgageMaxCalc.ITEM_ANNUAL:a)),KJE.MortgageMaxCalc.SALARY_INDEX,KJE.MortgageMaxCalc.SALARY_DESC,c)};KJE.MortgageMaxCalc.getITemDrop=function(a,d,c,f){if(a){var b=KJE.MortgageMaxCalc.EXPENSE_INDEX2;var e=KJE.MortgageMaxCalc.EXPENSE_DESC2}else{var b=KJE.MortgageMaxCalc.EXPENSE_INDEX;var e=KJE.MortgageMaxCalc.EXPENSE_DESC}return KJE.getDropBox(d,KJE.parameters.get(d,(!c?KJE.MortgageMaxCalc.ITEM_ANNUAL:c)),b,e,f)};KJE.MortgageMaxCalc.prototype.getPeriodRate=function(a,b){if(this.CANADIAN){return(Math.pow(1+(a/2),(1/(b/2)))-1)}return(a/b)};KJE.CalcName="Maximum Mortgage Calculator";KJE.CalcType="MortgageMax";KJE.CalculatorTitleTemplate="At KJE2 your maximum mortgage is KJE1
Maximum monthly payment (PITI) KJE3
";KJE.parseInputs=function(a){a=KJE.replace("**SALARY_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("SALARY_UNITS",KJE.MortgageMaxCalc.ITEM_MONTHLY),a);a=KJE.replace("**COMMISSION_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("COMMISSION_UNITS",KJE.MortgageMaxCalc.ITEM_ANNUAL),a);a=KJE.replace("**BONUS_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("BONUS_UNITS",KJE.MortgageMaxCalc.ITEM_ANNUAL),a);a=KJE.replace("**OTHER_INCOME_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("OTHER_INCOME_UNITS",KJE.MortgageMaxCalc.ITEM_ANNUAL),a);a=KJE.replace("**COBORROWER_SALARY_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("COBORROWER_SALARY_UNITS",KJE.MortgageMaxCalc.ITEM_MONTHLY),a);a=KJE.replace("**COBORROWER_COMMISSION_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("COBORROWER_COMMISSION_UNITS",KJE.MortgageMaxCalc.ITEM_ANNUAL),a);a=KJE.replace("**COBORROWER_BONUS_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("COBORROWER_BONUS_UNITS",KJE.MortgageMaxCalc.ITEM_ANNUAL),a);a=KJE.replace("**COBORROWER_OTHER_INCOME_UNITS**",KJE.MortgageMaxCalc.getIncomeDrop("COBORROWER_OTHER_INCOME_UNITS",KJE.MortgageMaxCalc.ITEM_ANNUAL),a);a=KJE.replace("**REAL_ESTATE_TAXES_UNIT**",KJE.MortgageMaxCalc.getITemDrop(KJE.parameters.get("REAL_ESTATE_TAXES_RATE_HIDE",false),"REAL_ESTATE_TAXES_UNIT",KJE.MortgageMaxCalc.ITEM_SEMIANNUAL),a);a=KJE.replace("**HAZARD_INSURANCE_UNIT**",KJE.MortgageMaxCalc.getITemDrop(KJE.parameters.get("HAZARD_INSURANCE_RATE_HIDE",false),"HAZARD_INSURANCE_UNIT",KJE.MortgageMaxCalc.ITEM_ANNUAL),a);a=KJE.replace("**HOUSING_EXPENSES_UNIT**",KJE.MortgageMaxCalc.getITemDrop(KJE.parameters.get("HOUSING_EXPENSES_RATE_HIDE",false),"HOUSING_EXPENSES_UNIT",KJE.MortgageMaxCalc.ITEM_MONTHLY),a);a=KJE.replace("**MORTGAGE_INSURANCE_UNIT**",KJE.MortgageMaxCalc.getITemDrop(KJE.parameters.get("PMI_RATE_HIDE",false),"MORTGAGE_INSURANCE_UNIT",KJE.MortgageMaxCalc.ITEM_MONTHLY),a);a=KJE.replace("**TERM_IN_YEARS**",KJE.getMortgageTermDrop("TERM_IN_YEARS",30),a);a=KJE.replace("**COBORROWER_LIABILITIES**",KJE.parameters.get("MSG_COBORROWER_LIABILITIES","Co-borrower monthly liabilities:"),a);a=KJE.replace("**COBORROWER_INCOME**",KJE.parameters.get("MSG_COBORROWER_INCOME","Co-borrower income:"),a);return a};KJE.initialize=function(){KJE.CalcControl=new KJE.MortgageMaxCalc();KJE.GuiControl=new KJE.MortgageMax(KJE.CalcControl)};KJE.MortgageMax=function(n){var e=KJE;var c=KJE.gLegend;var g=KJE.inputs.items;this.MSG_GRAPH_MAXIMUM_MORTGAGE=KJE.parameters.get("MSG_GRAPH_MAXIMUM_MORTGAGE","Maximum mortgage");KJE.PercentSlider("INTEREST_RATE","Start interest rates at",0,25,3);KJE.DollarSlider("SALARY","Salary",0,10000000,0);KJE.DollarSlider("COMMISSION","Commission",0,1000000);KJE.DollarSlider("BONUS","Bonus",0,1000000,0);KJE.DollarSlider("OTHER_INCOME","Other",0,1000000,0);KJE.DollarSlider("COBORROWER_SALARY","Co-borrower salary",0,1000000,0);KJE.DollarSlider("COBORROWER_COMMISSION","Co-borrower commission",0,1000000,0);KJE.DollarSlider("COBORROWER_BONUS","Co-borrower bonus",0,1000000,0);KJE.DollarSlider("COBORROWER_OTHER_INCOME","Co-borrower other",0,1000000,0);KJE.DropBox("SALARY_UNITS","Salary paid");KJE.DropBox("COMMISSION_UNITS","Commission paid");KJE.DropBox("BONUS_UNITS","Bonus paid");KJE.DropBox("OTHER_INCOME_UNITS","Other paid");KJE.DropBox("COBORROWER_SALARY_UNITS","Co-borrow salary paid");KJE.DropBox("COBORROWER_COMMISSION_UNITS","Co-borrow commission paid");KJE.DropBox("COBORROWER_BONUS_UNITS","Co-borrow bonus paid");KJE.DropBox("COBORROWER_OTHER_INCOME_UNITS","Co-borrow other paid");KJE.DropBox("TERM_IN_YEARS","Loan term");KJE.DollarSlider("REAL_ESTATE_TAXES","Real estate taxes",0,100000,0);KJE.DropBox("REAL_ESTATE_TAXES_UNIT","Taxes paid");KJE.Nbr("REAL_ESTATE_TAXES_RATE","Annual rate",0,n.MAX_RATE*100,3,e.FMT_PERCENT);KJE.DollarSlider("HAZARD_INSURANCE","Hazard insurance",0,100000,0);KJE.DropBox("HAZARD_INSURANCE_UNIT","Insurance paid");KJE.Nbr("HAZARD_INSURANCE_RATE","Annual rate",0,n.MAX_RATE*100,3,e.FMT_PERCENT);KJE.DollarSlider("HOUSING_EXPENSES","Association dues or fees",0,100000,0);KJE.DropBox("HOUSING_EXPENSES_UNIT","Fees paid");KJE.Nbr("HOUSING_EXPENSES_RATE","Annual rate",0,n.MAX_RATE*100,3,e.FMT_PERCENT);KJE.DollarSlider("MORTGAGE_INSURANCE","Mortgage insurance (PMI)",0,100000,0);KJE.DropBox("MORTGAGE_INSURANCE_UNIT","PMI paid");KJE.Nbr("PMI_RATE","Annual rate",0,n.MAX_RATE*100,3,e.FMT_PERCENT);KJE.DollarSlider("AUTO_LOANS","Auto loans",0,100000);KJE.DollarSlider("CREDIT_CARDS","Credit cards",0,100000);KJE.DollarSlider("INSTALLMENT_LOANS","Installment loans",0,100000);KJE.DollarSlider("STUDENT_LOANS","Student loans",0,100000);KJE.DollarSlider("ALIMONY_CHILD_SUPPORT","Alimony & child support",0,100000);KJE.DollarSlider("OTHER_LOANS","Other loans",0,100000);KJE.DollarSlider("OTHER_LIABILITY","Other",0,100000);KJE.DollarSlider("COBORROWER_AUTO_LOANS","Auto Loans",0,100000);KJE.DollarSlider("COBORROWER_CREDIT_CARDS","Credit cards",0,100000);KJE.DollarSlider("COBORROWER_INSTALLMENT_LOANS","Installment loans",0,100000);KJE.DollarSlider("COBORROWER_STUDENT_LOANS","Student loans",0,100000);KJE.DollarSlider("COBORROWER_ALIMONY_CHILD_SUPPORT","Alimony child support",0,100000);KJE.DollarSlider("COBORROWER_OTHER_LOANS","Other loans",0,100000);KJE.DollarSlider("COBORROWER_OTHER_LIABILITY","Other",0,100000);KJE.DropBox("TERM_IN_YEARS","Loan term");KJE.InputItem.AltHelpName="DEBT_RATIOS";KJE.NumberSlider("LOW_DEBT_PITI_RATE","Total Debt Service Ratio (TDSR)",20,60,0);KJE.NumberSlider("HIGH_DEBT_PITI_RATE","Gross Debt Service Ratio (GDSR)",20,60,0);var h=KJE.gNewGraph(KJE.gCOLUMN,"GRAPH1",true,false,KJE.colorList[1],KJE.parameters.get("MSG_GRAPH_TITLE","Qualifying Mortgage Amount for a Variety of Interest Rates"));h._showItemLabel=true;h._showItemLabelOnTop=true;h._legend.setVisible(false);KJE.addDiv("INPUTS",KJE.colorList[0]);var o=KJE.parameters.get("MSG_DROPPER2_TITLE","Monthly income:");var f=KJE.parameters.get("MSG_DROPPER2_CLOSETITLE","Total KJE1");var m=function(){return o+"|"+KJE.subText(KJE.getKJEReplaced(f,e.dollars(n.YOUR_INCOME)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS2",false,m,m),KJE.colorList[0]);var b=KJE.parameters.get("MSG_DROPPER3_TITLE","Monthly housing expenses:");var d=KJE.parameters.get("MSG_DROPPER3_CLOSETITLE","Total KJE1");var j=function(){return b+"|"+KJE.subText(KJE.getKJEReplaced(d,e.dollars(n.MONTHLY_HOUSING_EXPENSES)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS3",false,j,j),KJE.colorList[0]);var k=KJE.parameters.get("MSG_DROPPER4_TITLE","Monthly liabilities:");var a=KJE.parameters.get("MSG_DROPPER4_CLOSETITLE","Total KJE1");var i=function(){return k+"|"+KJE.subText(KJE.getKJEReplaced(a,e.dollars(n.MONTHLY_LIABILITIES)),"KJERightBold")};KJE.addDropper(new KJE.Dropper("INPUTS4",false,i,i),KJE.colorList[0])};KJE.MortgageMax.prototype.setValues=function(b){var a=KJE.inputs.items;b.INTEREST_RATE=a.INTEREST_RATE.getValue();b.TERM_IN_MONTHS=Math.round(a.TERM_IN_YEARS.getValue())*12;b.SALARY=a.SALARY.getValue();b.COMMISSION=a.COMMISSION.getValue();b.BONUS=a.BONUS.getValue();b.OTHER_INCOME=a.OTHER_INCOME.getValue();b.COBORROWER_SALARY=a.COBORROWER_SALARY.getValue();b.COBORROWER_COMMISSION=a.COBORROWER_COMMISSION.getValue();b.COBORROWER_BONUS=a.COBORROWER_BONUS.getValue();b.COBORROWER_OTHER_INCOME=a.COBORROWER_OTHER_INCOME.getValue();b.SALARY_UNITS=a.SALARY_UNITS.getValue();b.COMMISSION_UNITS=a.COMMISSION_UNITS.getValue();b.BONUS_UNITS=a.BONUS_UNITS.getValue();b.OTHER_UNITS=a.OTHER_INCOME_UNITS.getValue();b.COBORROWER_SALARY_UNITS=a.COBORROWER_SALARY_UNITS.getValue();b.COBORROWER_COMMISSION_UNITS=a.COBORROWER_COMMISSION_UNITS.getValue();b.COBORROWER_BONUS_UNITS=a.COBORROWER_BONUS_UNITS.getValue();b.COBORROWER_OTHER_INCOME_UNITS=a.COBORROWER_OTHER_INCOME_UNITS.getValue();b.REAL_ESTATE_TAXES_UNIT=a.REAL_ESTATE_TAXES_UNIT.getValue();b.HAZARD_INSURANCE_UNIT=a.HAZARD_INSURANCE_UNIT.getValue();b.HOUSING_EXPENSES_UNIT=a.HOUSING_EXPENSES_UNIT.getValue();b.MORTGAGE_INSURANCE_UNIT=a.MORTGAGE_INSURANCE_UNIT.getValue();b.bREAL_ESTATE_TAXES=(KJE.MortgageMaxCalc.ITEM_PERCENT==b.REAL_ESTATE_TAXES_UNIT);b.bHAZARD_INSURANCE=(KJE.MortgageMaxCalc.ITEM_PERCENT==b.HAZARD_INSURANCE_UNIT);b.bHOUSING_EXPENSES=(KJE.MortgageMaxCalc.ITEM_PERCENT==b.HOUSING_EXPENSES_UNIT);b.bCALC_PMI=(KJE.MortgageMaxCalc.ITEM_PERCENT==b.MORTGAGE_INSURANCE_UNIT);if(b.bREAL_ESTATE_TAXES){b.REAL_ESTATE_TAXES_RATE=a.REAL_ESTATE_TAXES_RATE.getValue()/100;a.REAL_ESTATE_TAXES_RATE.enable();a.REAL_ESTATE_TAXES.disable()}else{b.REAL_ESTATE_TAXES=a.REAL_ESTATE_TAXES.getValue();a.REAL_ESTATE_TAXES_RATE.disable();a.REAL_ESTATE_TAXES.enable()}if(b.bHAZARD_INSURANCE){b.HAZARD_INSURANCE_RATE=a.HAZARD_INSURANCE_RATE.getValue()/100;a.HAZARD_INSURANCE_RATE.enable();a.HAZARD_INSURANCE.disable()}else{b.HAZARD_INSURANCE=a.HAZARD_INSURANCE.getValue();a.HAZARD_INSURANCE.enable();a.HAZARD_INSURANCE_RATE.disable()}if(b.bHOUSING_EXPENSES){b.HOUSING_EXPENSES_RATE=a.HOUSING_EXPENSES_RATE.getValue()/100;a.HOUSING_EXPENSES_RATE.enable();a.HOUSING_EXPENSES.disable()}else{b.HOUSING_EXPENSES=a.HOUSING_EXPENSES.getValue();a.HOUSING_EXPENSES_RATE.disable();a.HOUSING_EXPENSES.enable()}if(b.bCALC_PMI){b.PMI_RATE=a.PMI_RATE.getValue()/100;a.PMI_RATE.enable();a.MORTGAGE_INSURANCE.disable()}else{b.MORTGAGE_INSURANCE=a.MORTGAGE_INSURANCE.getValue();a.MORTGAGE_INSURANCE.enable();a.PMI_RATE.disable()}b.AUTO_LOANS=a.AUTO_LOANS.getValue();b.CREDIT_CARDS=a.CREDIT_CARDS.getValue();b.INSTALLMENT_LOANS=a.INSTALLMENT_LOANS.getValue();b.STUDENT_LOANS=a.STUDENT_LOANS.getValue();b.ALIMONY_CHILD_SUPPORT=a.ALIMONY_CHILD_SUPPORT.getValue();b.OTHER_LOANS=a.OTHER_LOANS.getValue();b.OTHER_LIABILITY=a.OTHER_LIABILITY.getValue();b.COBORROWER_AUTO_LOANS=a.COBORROWER_AUTO_LOANS.getValue();b.COBORROWER_CREDIT_CARDS=a.COBORROWER_CREDIT_CARDS.getValue();b.COBORROWER_INSTALLMENT_LOANS=a.COBORROWER_INSTALLMENT_LOANS.getValue();b.COBORROWER_STUDENT_LOANS=a.COBORROWER_STUDENT_LOANS.getValue();b.COBORROWER_ALIMONY_CHILD_SUPPORT=a.COBORROWER_ALIMONY_CHILD_SUPPORT.getValue();b.COBORROWER_OTHER_LOANS=a.COBORROWER_OTHER_LOANS.getValue();b.COBORROWER_OTHER_LIABILITY=a.COBORROWER_OTHER_LIABILITY.getValue();b.HIGH_DEBT_PITI_RATE=a.HIGH_DEBT_PITI_RATE.getValue();b.LOW_DEBT_PITI_RATE=a.LOW_DEBT_PITI_RATE.getValue()};KJE.MortgageMax.prototype.refresh=function(e){var d=KJE;var c=KJE.gLegend;var b=KJE.inputs.items;var a=KJE.gGraphs[0];KJE.setTitleTemplate(d.dollars(e.LOAN_AMOUNT),d.percent(e.INTEREST_RATE/100,3),d.dollars(e.LOAN_PITI,2));a.removeAll();a.setGraphCategories(e.cats);a.add(new KJE.gGraphDataSeries(e.DS_LOAN_AMOUNT,this.MSG_GRAPH_MAXIMUM_MORTGAGE,a.getColor(1)));a.paint();b.MORTGAGE_INSURANCE.setValue(e.MORTGAGE_INSURANCE,true);b.REAL_ESTATE_TAXES.setValue(e.REAL_ESTATE_TAXES,true);b.HAZARD_INSURANCE.setValue(e.HAZARD_INSURANCE,true);b.HOUSING_EXPENSES.setValue(e.HOUSING_EXPENSES,true);b.PMI_RATE.setValue(e.PMI_RATE*100,true);b.REAL_ESTATE_TAXES_RATE.setValue(e.REAL_ESTATE_TAXES_RATE*100,true);b.HAZARD_INSURANCE_RATE.setValue(e.HAZARD_INSURANCE_RATE*100,true);b.HOUSING_EXPENSES_RATE.setValue(e.HOUSING_EXPENSES_RATE*100,true)};KJE.InputScreenText=" **GRAPH1** ";KJE.DefinitionText=' Monthly incomeTotal monthly income from all sources. All income should be entered before taxes. Monthly housing expensesYour monthly housing expenses from the housing expenses worksheet. The items entered as housing expenses make up the taxes and insurance portion of your monthly PITI payment. Monthly liabilitiesYour monthly liabilities from the liabilities worksheet. Your monthly liabilities are used to calculate your maximum PITI. Monthly housing payment (PITI)This is your total principal, interest, taxes and insurance (PITI) payment per month. This includes your principal, interest, real estate taxes, hazard insurance, association dues or fees and principal mortgage insurance (PMI). Maximum monthly payment (PITI) is calculated by taking the lower of these two calculations:
- Monthly Income X 28% = monthly PITI
- Monthly Income X 36% - Other loan payments = monthly PITI
Maximum principal and interest (PI)This is your maximum monthly principal and interest payment. It is calculated by subtracting your monthly taxes and insurance from your monthly PITI payment. This calculator uses your maximum PI payment to determine the mortgage amount that you could qualify for. Start interest rates atThe current interest rate you could receive on your mortgage. This is used as the starting point for displaying a range of interest rates and the resulting mortgage amount. Term in yearsThe number of years over which you will repay this loan. The most common mortgage terms are 15 years and 30 years. ';KJE.ReportText=' An annual income of YOUR_ANNUAL_INCOME provides for a maximum Principal, Interest, Taxes and Insurance (PITI) payment of LOAN_PITI. After taxes and insurance your principal and interest payment (PI) of LOAN_PI would pay for a LOAN_AMOUNT mortgage, with an interest rate of INTEREST_RATE and a term of TERM_IN_YEARS years. **GRAPH** Annual income | YOUR_ANNUAL_INCOME |
Term | TERM_IN_YEARS years |
Interest rate | INTEREST_RATE |
Monthly housing expenses | MONTHLY_HOUSING_EXPENSES |
Monthly liabilities | MONTHLY_LIABILITIES |
Maximum housing payment (PITI) | LOAN_PITI |
Maximum principal & interest payment (PI) | LOAN_PI |
| Borrower | Co-borrower |
Salary | SALARY SALARY_UNITS | COBORROWER_SALARY COBORROWER_SALARY_UNITS |
Commission | COMMISSION COMMISSION_UNITS | COBORROWER_COMMISSION COBORROWER_COMMISSION_UNITS |
Bonus | BONUS BONUS_UNITS | COBORROWER_BONUS COBORROWER_BONUS_UNITS |
Other | OTHER_INCOME OTHER_UNITS | COBORROWER_OTHER_INCOME COBORROWER_OTHER_UNITS |
---|
Real estate taxes | REAL_ESTATE_TAXES REAL_ESTATE_TAXES_UNIT |
Hazard insurance | HAZARD_INSURANCE HAZARD_INSURANCE_UNIT |
Housing expenses | HOUSING_EXPENSES HOUSING_EXPENSES_UNIT |
Mortgage insurance | MORTGAGE_INSURANCE MORTGAGE_INSURANCE_UNIT |
---|
| Borrower | Co-borrower |
Auto loans | AUTO_LOANS | COBORROWER_AUTO_LOANS |
Credit cards | CREDIT_CARDS | COBORROWER_CREDIT_CARDS |
Installment loans | INSTALLMENT_LOANS | COBORROWER_INSTALLMENT_LOANS |
Student loans | STUDENT_LOANS | COBORROWER_STUDENT_LOANS |
Alimony & child support | ALIMONY_CHILD_SUPPORT | COBORROWER_ALIMONY_CHILD_SUPPORT |
Other loans | OTHER_LOANS | COBORROWER_OTHER_LOANS |
Other | OTHER_LIABILITY | COBORROWER_OTHER_LIABILITY |
---|
Your LOAN_PITI maximum monthly payment (PITI) is calculated by taking the lower of these two calculations:
1. Monthly Income X LOW_DEBT_PITI_RATE = monthly PITI |
Which is: YOUR_INCOME X LOW_DEBT_PITI_RATE = QLFY_PITI_ONLY
|
2. Monthly Income X HIGH_DEBT_PITI_RATE - Monthly Liabilities = monthly PITI |
Which is: YOUR_INCOME X HIGH_DEBT_PITI_RATE - MONTHLY_LIABILITIES = QLFY_PITI_DEBT
|
**REPEATING GROUP** ';