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1993-10-20
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THE MORTGAGE ANALYZER (C) 1992-93
Version 1.13, October 20, 1993
Suggested BBS name, this version: MRT113.ZIP
A shareware software package from Insight Software Solutions
Mailing Address: P.O. Box 354, Bountiful, UT 84011-0354
Phone: (801) 295-1890 Fax: (801) 299-1781
BBS: (801) 963-8721 CIS: [71672,3464]
Author: Michael D. Jones
CANADIAN Registration & Information
US-CAN Computer Services Inc.
Box 34146, 1200 - 37th STREET S.W.
Calgary, Alberta, T3C 3W2
Phone: (403) 243-2393 Fax: (403) 243-2396
Orders Only: 1-800-663-1537
════════════════════════════════════════════════════════════
To Start: A>MORT (then press <return/enter> key)
════════════════════════════════════════════════════════════
The Mortgage Analyzer - Program Overview
This is NOT an ORDINARY mortgage program. It includes seven predefined
loan acceleration methods such as bi-weekly, double principal and growing
equity payments plus the ability to set up *ANY* acceleration method con-
ceivable through variable extra payments. Accelerated schedules and/or
summaries can be produced side by side with the original mortgage or by
themselves.
Features mortgage comparisons--enter all values for two complete mortgages.
For instance, you may enter identical information for both, then change the
interest rate and points on one and see the difference it makes! Print,
view or save to file complete schedules and/or summaries for both side by
side.
No need to wander through endless screens entering data wondering when the
last screen is at hand. Mortgage schedule and summary inputs are contained
on one screen with the use of function keys to branch out to less common
needed items such as 360 interest rate inputs for use with ARMs. The input
screen contains Purchase Price, Down Payment, Duration, Interest Rate,
Interest Type (Fixed, Stepped, Adjustable, Reset), Closing Date, First
Payment Date, Points, Property Tax, Homeowners Insurance, Mortgage Insur-
ance and closing costs. It calculates payments, points, tax savings,
daily interest, interest paid, interest saved (for acceleration) and
complete schedules.
Schedules can be produced on an annual or monthly basis, on a calendar or
fiscal year with cumulative or non-cumulative values using whole dollars
or exact cents.
The Mortgage Analyzer contains many other features like Qualification
Analysis reports for conventional, FHA and VA loans. Includes solve for
missing loan value calculator, loan refinancing, daily interest and points
calculators. Save and restore multiple clients. Contains an on-line
manual, on-line help, configuration for default report options, header
lines, and screen color selection.
The Mortgage Analyzer - Program Features
Amortization Features Reports & Schedules
Interest Rates Qualification Analysis
Fixed, Stepped Amortization Summaries
Adjustable, Reset Amortization Schedules
Early Payoffs Yearly or Monthly
Recurring Extra Payment Calendar or Fiscal Year
Variable Extra Payment Cumulative or Non Cumulative
Variable Payment Whole Dollars or Exact Cents
Double Principal Payment Two Loans Side by Side Comparison
13 Monthly Payments Standalone Early Payoff
26 Half Month Payments Side by Side Early Payoff Comparison
52 Quarter Month Payments International Date Formats
Growing Equity Payments View on screen before printing
Tax Savings Analysis 6 or 8 Lines Per Inch
Comparison of Two Separate Loans Top and Left Margin Adjustment
Balloon Mortgages Automatic Bolding of Headers and Totals
Points Automatic Condensed Print when Necessary
Daily Interest IBM Graphic Characters
Closing Costs
Mortgage Insurance Other Features
Homeowners Insurance Qualification Analysis
Property Tax Calculators
4 Function
Configuration Solve for Mortgage Value
Select Own Colors Loan Refinance
Select/Modify Printer Driver Points
Up to 3 Permanent Header Lines Daily Interest
Turn off/on Sound Effects Save and Retrieve Client Information
Bypass Logo Screen On-line Manual
Default Report Options On-line Help for each field
What is Shareware?
Shareware is a marketing concept in which copyrighted software products
are distributed by allowing and encouraging duplication of the program
for evaluation by interested parties. As a recipient of a shareware
program, you are granted the right to use the program for a short period
to determine if it meets your needs. The program developer receives
payment from the users after they have determined that the product meets
their needs. The motivation for making payment for a shareware program
is honest payment for a valuable tool, desire for support, updates,
enhancements and documentation, and to help encourage shareware authors
to produce additional quality programs.
Program Registration
The Mortgage Analyzer can be registered with Insight Software Solutions
with a check, money order, VISA or MasterCard in the amount of $25.00 U.S.
or $32.00 Canadian plus shipping and handling. Please refer to the
address and phone numbers listed above. Upon receipt, Insight Software
Solutions will send you the latest version of The Interest Analyzer along
with a printed manual. Once registered, you will receive notification of
major updates and new products. Registration includes a 90 day support
policy where free updates will be provided for major problems. If a problem
cannot be resolved, then a refund of money will be made.
Program Support
Insight Software Solutions offers support through the mail, phone, fax
and BBS. Please refer to address and phone numbers above. Our official
support BBS is the Rocky Mountain Software BBS (RMS). RMS can be reached
24 hours a day at (801) 963-8721 where a conference dedicated to us can
be found. Our latest software products and versions, bulletins, news and
message system are located on RMS. RMS accepts modem baud rates of 1200
to 38400.
┌────────────────────────────────────────────────────────────────────────┐
│ Insight Software Solutions is a member of the Association of Shareware │
│ Professionals (ASP). ASP wants to make sure that the shareware │
│ principal works for you. If you are unable to resolve a shareware │
│ related problem with an ASP member by contacting the member directly, │
│ ASP may be able to help. The ASP Ombudsman can help you resolve a │
│ dispute or problem with an ASP member, but does not provide technical │
│ support for members' products. Please write to the ASP Ombudsman at │
│ 545 Grover Road, Muskegon, MI 49442 or send a CompuServe message via │
│ CompuServe Mail to ASP Ombudsman 70007.3536. │
└────────────────────────────────────────────────────────────────────────┘