//Popup Script
//Mouseover Script
//-- Urchin Tracking Module II (UTM II),$Revision: 1.6 $,
//-- Copyright 2003 Urchin Software Corporation, All Rights Reserved.
/*--------------------------------------------------
UTM II User Settings
--------------------------------------------------*/
var __utmfsc=1; /*-- set client info flag (1=on|0=off) --*/
var __utmdn="auto"; /*-- (auto|none|domain) set the domain name for cookies --*/
var __utmhash="on"; /*-- (on|off) unique domain hash for cookies --*/
var __utmgifpath="/Images/CommonImages/__utm.gif"; /*-- set the web path to the __utm.gif file --*/
var __utmtimeout="1800"; /*-- set the inactive session timeout in seconds --*/
/*--------------------------------------------------
UTM II Campaign Tracking Settings
--------------------------------------------------*/
var __utmctm=1; /*-- set campaign tracking module (1=on|0=off) --*/
var __utmcto="15768000"; /*-- set the campaign timeout in seconds (6 month default) --*/
var __utmccn="utm_campaign"; /*-- campaign name --*/
var __utmcpr="utm_program"; /*-- campaign program --*/
var __utmcrs="utm_refsite"; /*-- campaign referral site --*/
var __utmcrl="utm_refloc"; /*-- campaign referral location --*/
var __utmctr="utm_term"; /*-- campaign term/keyword --*/
var __utmcct="utm_content"; /*-- campaign content --*/
var __utmcui="utm_userid"; /*-- campaign userid --*/
var __utmccu="utm_custom"; /*-- campaign custom field --*/
/*--------------------------------------------------
Don't modify below this point
--------------------------------------------------*/
var __utmf,__utmdh,__utmd,__utmdom="",__utmu,__utmjv="-",__utmfns;
if (!__utmf) {
var __utma,__utmb,__utmc;
var __utmexp="",__utms="",__utmst=0,__utmlf=0;
/*--------------------------------------------------
get useful information
--------------------------------------------------*/
__utmdh = __utmSetDomain(); /*--- set the domain and get the domain hash ---*/
__utma = document.cookie.indexOf("__utma="+__utmdh); /*--- cookie a ---*/
__utmb = document.cookie.indexOf("__utmb="+__utmdh); /*--- cookie b ---*/
__utmc = document.cookie.indexOf("__utmc="+__utmdh); /*--- cookie c ---*/
__utmu = Math.round(Math.random() * 4294967295); /*--- unique number ---*/
__utmd = new Date(); /*--- current date/time epoch ---*/
__utmst = Math.round(__utmd.getTime()/1000); /*--- session time ---*/
if (__utmdn && __utmdn != "") { __utmdom = " domain="+__utmdn+";"; } /*--- domain ---*/
/*--- timeout ---*/
if (__utmtimeout && __utmtimeout != "") {
__utmexp = new Date(__utmd.getTime()+(__utmtimeout*1000));
__utmexp = " expires="+__utmexp.toGMTString()+";";
}
/*--------------------------------------------------
grab cookies from the commandline
--------------------------------------------------*/
__utms = document.location.search;
if (__utms && __utms != "" && __utms.indexOf("__utma=") >= 0) {
__utma = __utmGetCookie(__utms,"__utma=","&");
__utmb = __utmGetCookie(__utms,"__utmb=","&");
__utmc = __utmGetCookie(__utms,"__utmc=","&");
if (__utma != "-" && __utmb != "-" && __utmc != "-") __utmlf = 1;
else if (__utma != "-") __utmlf = 2;
}
/*--------------------------------------------------
based on the logic set cookies
--------------------------------------------------*/
if (__utmlf == 1) {
document.cookie="__utma="+__utma+"; path=/; expires=Sun, 18 Jan 2038 00:00:00 GMT;";
document.cookie="__utmb="+__utmb+"; path=/;"+__utmexp;
document.cookie="__utmc="+__utmc+"; path=/;";
__utmfns=1;
} else if (__utmlf == 2) {
__utma = __utmFixA(__utms,"&",__utmst);
document.cookie="__utma="+__utma+"; path=/; expires=Sun, 18 Jan 2038 00:00:00 GMT;";
document.cookie="__utmb="+__utmdh+"; path=/;"+__utmexp;
document.cookie="__utmc="+__utmdh+"; path=/;"
__utmfns=1;
} else if (__utma >= 0 && __utmb >= 0 && __utmc >= 0) {
document.cookie="__utmb="+__utmdh+"; path=/;"+__utmexp+__utmdom;
} else if (__utma >=0) {
__utma = __utmFixA(document.cookie,";",__utmst);
document.cookie="__utma="+__utma+"; path=/; expires=Sun, 18 Jan 2038 00:00:00 GMT;"+__utmdom;
document.cookie="__utmb="+__utmdh+"; path=/;"+__utmexp+__utmdom;
document.cookie="__utmc="+__utmdh+"; path=/;"+__utmdom;
__utmfns=1;
} else if (__utma < 0 && __utmb < 0 && __utmc < 0) {
__utma = __utmCheckUTMI(__utmd);
if (__utma == "-") __utma = __utmdh+"."+__utmu+"."+__utmst+"."+__utmst+"."+__utmst+".1";
else __utma = __utmdh+"."+__utma;
document.cookie="__utma="+__utma+"; path=/; expires=Sun, 18 Jan 2038 00:00:00 GMT;"+__utmdom;
document.cookie="__utmb="+__utmdh+"; path=/;"+__utmexp+__utmdom;
document.cookie="__utmc="+__utmdh+"; path=/;"+__utmdom;
__utmfns=1;
} else {
__utma = __utmdh+"."+__utmu+"."+__utmst+"."+__utmst+"."+__utmst+".1";
document.cookie="__utma="+__utma+"; path=/; expires=Sun, 18 Jan 2038 00:00:00 GMT;"+__utmdom;
document.cookie="__utmb="+__utmdh+"; path=/;"+__utmexp+__utmdom;
document.cookie="__utmc="+__utmdh+"; path=/;"+__utmdom;
__utmfns=1;
}
__utmSetInfo();
__utmf = 1;
}
function __utmSetInfo() {
var __utmr="-",__utmp;
var __utmi = new Image(1,1);
var __utmsrc = __utmgifpath+"?";
var loc = document.location;
__utmr = document.referrer;
if (!__utmr || __utmr == "") { __utmr = "-"; }
else {
__utmp = __utmr.indexOf(document.domain);
if ((__utmp >= 0) && (__utmp <= 8)) { __utmr = "0"; }
if (__utmr.indexOf("[") == 0 && __utmr.lastIndexOf("]") == (__utmr.length-1)) { __utmr = "-"; }
}
__utmsrc += "utmn="+__utmu;
if (__utmfsc && __utmfns) {__utmsrc += __utmGetClientInfo(); }
if (__utmctm) {__utmsrc += __utmSetCampaignInfo(); }
__utmsrc += "&utmr="+__utmr+"&utmp="+loc.pathname+loc.search;
__utmi.src = __utmsrc;
return 0;
}
function __utmSetCampaignInfo() {
var __utmcc = "";
var __utmtmp = "-";
var __utmcnew = "&utmcn=1";
var __utmx = document.location.search;
var __utmz = document.cookie.indexOf("__utmz="+__utmdh);
if (__utmz > -1) {
__utmz = __utmGetCookie(document.cookie,"__utmz=",";");
} else { __utmz = "-"; }
/*--- check for campaign info ---*/
__utmtmp = __utmGetCookie(__utmx,__utmccn+"=","&");
if (__utmtmp == "-" || __utmtmp == "") { return ""; }
__utmcc += "utmccn="+__utmtmp;
__utmtmp = __utmGetCookie(__utmx,__utmcpr+"=","&"); if (__utmtmp != "-" && __utmtmp != "") __utmcc += "|utmcpr="+__utmtmp;
__utmtmp = __utmGetCookie(__utmx,__utmcrs+"=","&"); if (__utmtmp != "-" && __utmtmp != "") __utmcc += "|utmcrs="+__utmtmp;
__utmtmp = __utmGetCookie(__utmx,__utmcrl+"=","&"); if (__utmtmp != "-" && __utmtmp != "") __utmcc += "|utmcrl="+__utmtmp;
__utmtmp = __utmGetCookie(__utmx,__utmctr+"=","&"); if (__utmtmp != "-" && __utmtmp != "") __utmcc += "|utmctr="+__utmtmp;
__utmtmp = __utmGetCookie(__utmx,__utmcct+"=","&"); if (__utmtmp != "-" && __utmtmp != "") __utmcc += "|utmcct="+__utmtmp;
/*--- check if campaign is already set ---*/
if (!__utmfns && __utmz.indexOf(__utmcc) != -1) __utmcnew = "";
/*--- check for userid in cookie ---*/
__utmtmp = __utmGetCookie(__utmx,__utmcui+"=","&");
if (__utmtmp != "-" && __utmtmp != "") {
__utmcc += "|utmcui="+__utmtmp;
} else {
__utmtmp = __utmGetCookie(__utmz,"utmcui=","|");
if (__utmtmp != "-" && __utmtmp != "") { __utmcc += "|utmcui="+__utmtmp; }
}
/*--- check for email in cookie ---*/
__utmtmp = __utmGetCookie(__utmx,__utmccu+"=","&");
if (__utmtmp != "-" && __utmtmp != "") {
__utmcc += "|utmccu="+__utmtmp;
} else {
__utmtmp = __utmGetCookie(__utmz,"utmccu=","|");
if (__utmtmp != "-" && __utmtmp != "") { __utmcc += "|utmccu="+__utmtmp; }
}
/*--- set the cookie ---*/
if (!__utmcto || __utmcto == "") { __utmcto = "15768000"; }
var __utmcx = new Date(__utmd.getTime()+(__utmcto*1000));
__utmcx = " expires="+__utmcx.toGMTString()+";";
document.cookie="__utmz="+__utmdh+"."+__utmst+"."+__utmcc+"; path=/; "+__utmcx+__utmdom;
/*--- set the new campaign flag ---*/
return __utmcnew;
}
function __utmGetClientInfo() {
var __utmtmp="-",__utmsr="-",__utmsa="-",__utmsc="-",__utmbs="-",__utmul="-";
var __utmje=1,__utmce=1,__utmtz=0;
if (self.screen) {
__utmsr = screen.width+"x"+screen.height;
__utmsa = screen.availWidth+"x"+screen.availHeight;
__utmsc = screen.colorDepth+"-bit";
} else if (self.java) {
var __utmjk = java.awt.Toolkit.getDefaultToolkit();
var __utmjksize = __utmjk.getScreenSize();
__utmsr = __utmjksize.width+"x"+__utmjksize.height;
}
if( typeof( window.innerWidth ) == 'number' ) {
__utmbs = window.innerWidth+"x"+window.innerHeight;
} else {
if (document.documentElement &&
(document.documentElement.offsetHeight || document.documentElement.offsetWidth ) ) {
__utmbs = document.documentElement.offsetWidth+"x"+document.documentElement.offsetHeight;
} else if (document.body && (document.body.offsetWidth || document.body.offsetHeight) ) {
__utmbs = document.body.offsetWidth+"x"+document.body.offsetHeight;
}
}
for (var i=5;i>=0;i--) {
var __utmtmp = "";
document.write(__utmtmp);
if (__utmjv != "-") break;
}
if (navigator.language) { __utmul = navigator.language.toLowerCase(); }
else if (navigator.browserLanguage) { __utmul = navigator.browserLanguage.toLowerCase(); }
__utmje = navigator.javaEnabled()?1:0;
if (document.cookie.indexOf("__utmb=") < 0) { __utmce = "0"; }
if (document.cookie.indexOf("__utmc=") < 0) { __utmce = "0"; }
__utmtz = __utmd.getTimezoneOffset();
__utmtz = __utmTZConvert(__utmtz);
__utmtmp ="";
__utmtmp += "&utmsr="+__utmsr+"&utmsa="+__utmsa+"&utmsc="+__utmsc+"&utmbs="+__utmbs;
__utmtmp += "&utmul="+__utmul+"&utmje="+__utmje+"&utmce="+__utmce+"&utmtz="+__utmtz+"&utmjv="+__utmjv;
return __utmtmp;
}
function __utmLinker(__utmlink) {
var __utmlp,__utmi,__utmi2,__utmta="-",__utmtb="-",__utmtc="-",__utmtz="-";
if (__utmlink && __utmlink != "") {
if (document.cookie) {
__utmta = __utmGetCookie(document.cookie,"__utma="+__utmdh,";");
__utmtb = __utmGetCookie(document.cookie,"__utmb="+__utmdh,";");
__utmtc = __utmGetCookie(document.cookie,"__utmc="+__utmdh,";");
__utmtz = __utmGetCookie(document.cookie,"__utmz="+__utmdh,";");
__utmlp = "__utma="+__utmta+"&__utmb="+__utmtb+"&__utmc="+__utmtc+"&__utmz="+__utmtz;
}
if (__utmlp) {
if (__utmlink.indexOf("?") <= -1) { document.location = __utmlink+"?"+__utmlp; }
else { document.location = __utmlink+"&"+__utmlp; }
} else { document.location = __utmlink; }
}
}
function __utmGetCookie(__utmclist,__utmcname,__utmcsep) {
if (!__utmclist || __utmclist == "") return "-";
if (!__utmcname || __utmcname == "") return "-";
if (!__utmcsep || __utmcsep == "") return "-";
var __utmi, __utmi2, __utmi3, __utmtc="-";
__utmi = __utmclist.indexOf(__utmcname);
__utmi3 = __utmcname.indexOf("=")+1;
if (__utmi > -1) {
__utmi2 = __utmclist.indexOf(__utmcsep,__utmi); if (__utmi2 < 0) { __utmi2 = __utmclist.length; }
__utmtc = __utmclist.substring((__utmi+__utmi3),__utmi2);
}
return __utmtc;
}
function __utmSetDomain() {
if (!__utmdn || __utmdn == "" || __utmdn == "none") { __utmdn = ""; return 1; }
if (__utmdn == "auto") {
var __utmdomain = document.domain;
if (__utmdomain.substring(0,4) == "www.") {
__utmdomain = __utmdomain.substring(4,__utmdomain.length);
}
__utmdn = __utmdomain;
}
if (__utmhash == "off") return 1;
return __utmHash(__utmdn);
}
function __utmHash(__utmd) {
if (!__utmd || __utmd == "") return 1;
var __utmhash=0, __utmg=0;
for (var i=__utmd.length-1;i>=0;i--) {
var __utmc = parseInt(__utmd.charCodeAt(i));
__utmhash = ((__utmhash << 6) & 0xfffffff) + __utmc + (__utmc << 14);
if ((__utmg = __utmhash & 0xfe00000) != 0) __utmhash = (__utmhash ^ (__utmg >> 21));
}
return __utmhash;
}
function __utmFixA(__utmcs,__utmsp, __utmst) {
if (!__utmcs || __utmcs == "") return "-";
if (!__utmsp || __utmsp == "") return "-";
if (!__utmst || __utmst == "") return "-";
var __utmt = __utmGetCookie(__utmcs,"__utma=",__utmsp);
var __utmlt=0;
var __utmns=0;
var __utmi=0;
if ((__utmi=__utmt.lastIndexOf(".")) > 9) {
__utmns = __utmt.substring(__utmi+1,__utmt.length);
__utmns = (__utmns*1)+1;
__utmt = __utmt.substring(0,(__utmi));
if ((__utmi = __utmt.lastIndexOf(".")) > 7) {
__utmlt = __utmt.substring(__utmi+1,__utmt.length);
__utmt = __utmt.substring(0,(__utmi));
}
if ((__utmi = __utmt.lastIndexOf(".")) > 5) {
__utmt = __utmt.substring(0,(__utmi));
}
__utmt += "."+__utmlt+"."+__utmst+"."+__utmns;
}
return __utmt;
}
function __utmCheckUTMI(__utmd) {
var __utm1A = new Array();
var __utmlst=0,__utmpst=0,__utmlvt=0,__utmlu=0,__utmi=0,__utmpi=0;
var __utmap = "-";
var __utmld = "";
var __utmt2;
var __utmt = document.cookie;
while((__utmi = __utmt.indexOf("__utm1=")) >= 0) {
__utm1A[__utm1A.length] = __utmGetCookie(__utmt,"__utm1=",";");
__utmt = __utmt.substring(__utmi+7,__utmt.length);
}
if (__utm1A.length) {
var __utmcts = Math.round(__utmd.getTime()/1000);
var __utmlex = " expires="+__utmd.toGMTString()+";";
__utmt = document.cookie;
if ((__utmi = __utmt.lastIndexOf("__utm3=")) >= 0) {
__utmlst = __utmt.substring(__utmi,__utmt.length);
__utmlst = __utmGetCookie(__utmlst,"__utm3=",";");
}
if ((__utmi = __utmt.lastIndexOf("__utm2=")) >= 0) {
__utmpst = __utmt.substring(__utmi,__utmt.length);
__utmpst = __utmGetCookie(__utmpst,"__utm2=",";");
}
for (var i=0;i<__utm1A.length;i++) {
__utmt = __utm1A[i];
if ((__utmi = __utmt.lastIndexOf(".")) >= 0) {
__utmt2 = (__utmt.substring(0,__utmi))*1;
__utmt = (__utmt.substring(__utmi+1,__utmt.length))*1;
if (__utmlvt == 0 || __utmt < __utmlvt) {
__utmlvt = __utmt;
__utmlu = __utmt2;
}
}
}
if (__utmlvt && __utmlst) {
if (!__utmpst || __utmpst > __utmlst) __utmpst = __utmlst;
__utmap = __utmlu+"."+__utmlvt+"."+__utmpst+"."+__utmlst+".2";
} else if (__utmlvt) {
if (!__utmpst || __utmpst > __utmcts) __utmpst = __utmcts;
__utmap = __utmlu+"."+__utmlvt+"."+__utmpst+"."+__utmcts+".2";
}
__utmld = __utmt = document.domain;
__utmi=__utmpi=0;
while((__utmi = __utmt.indexOf(".",__utmpi+1)) >= 0) {
if (__utmpi>0) __utmld = __utmt.substring(__utmpi+1,__utmt.length);
__utmld = " domain="+__utmld+";";
document.cookie="__utm1=1; path=/;"+__utmlex+__utmld;
document.cookie="__utm2=1; path=/;"+__utmlex+__utmld;
document.cookie="__utm3=1; path=/;"+__utmlex+__utmld;
__utmpi=__utmi;
}
document.cookie="__utm1=1; path=/;"+__utmlex;
document.cookie="__utm2=1; path=/;"+__utmlex;
document.cookie="__utm3=1; path=/;"+__utmlex;
}
return __utmap;
}
function __utmTZConvert(__utmmz) {
var __utmhr=0,__utmmn=0,__utmsg='+';
if (__utmmz && __utmmz != "") {
if (__utmmz <= 0) {__utmsg='+'; __utmmz*=-1; }
else {__utmsg='-'; __utmmz*=1; }
__utmhr = Math.floor((__utmmz/60));
__utmmn = Math.floor((__utmmz%60));
}
if (__utmhr < 10) __utmhr = "0"+__utmhr;
if (__utmmn < 10) __utmmn = "0"+__utmmn;
return __utmsg+__utmhr+__utmmn;
}
//popup
// global variables for popups
var PopupFlag=0;
var Popup;
var isNew = 0;
var isNS4 = 0;
var isIE4 = 0;
var ClipFlag = 0;
var mousePosX = null;
var mousePosY = null;
//browser sniffer
var brows=((navigator.appName)+(parseInt(navigator.appVersion)));
if(parseInt(navigator.appVersion)>=5)
isNew=1;
else if (brows=="Netscape4")
isNS4=1;
else if (brows=="Microsoft Internet Explorer4")
isIE4=1;
if (isNS4||isIE4){
if (isNS4){
var docObj = 'document';
}
else{
var docObj = 'document.all';
}
var styleObj = (isNS4) ? '' : '.style';
}
if (isNew){
var docObj = 'document.getElementById';
var styleObj = '.style';
}
// SHOW A HIDDEN DIV -----------------------------------
function fncShowDiv(menuName,top,left)
{
if (isNew){
var menu = eval(docObj + "(menuName)" + styleObj);
}
else if (isNS4 || isIE4){
var menu = eval(docObj + '.' + menuName + styleObj);
}
else{
}
if (isIE4) { // grab the x-y position of the mouse if browser is IE
mousePosX = event.x + document.body.scrollLeft;
mousePosY = event.y + document.body.scrollTop;
}
else { // grab the x-y position of the mouse if browser is NS
document.captureEvents(Event.MOUSEMOVE);
document.onmousemove=mTrack;
}
//assign an offset of the mouse to the div top and left
menu.top=(mousePosY+top);
menu.left=(mousePosX-left-150);
menu.visibility="visible";
}
/*This function finds the mouse x y coordinates*/
function mTrack(e) {
mousePosX = e.pageX;
mousePosY = e.pageY;
// catch possible negative values in NS4
if (mousePosX < 0){
mousePosX = 0;
}
if (mousePosY < 0){
mousePos = 0;
}
}
/*This function gets the DOM depending on the browser and hides the menu.
The id of the span is passed in as a parameter*/
function fncHideDiv(menuName)
{
if (isNew){
var menu = eval(docObj + "(menuName)" + styleObj);
}
else if (isNS4 || isIE4){
var menu = eval(docObj + '.' + menuName + styleObj);
}
else{
}
menu.visibility="hidden";
}
function writit(text,id)
{
if (document.getElementById)
{
x = document.getElementById(id);
x.innerHTML = '';
x.innerHTML = text;
}
else if (document.all)
{
x = document.all[id];
x.innerHTML = text;
}
else if (document.layers)
{
x = document.layers[id];
text2 = '' + text + '
';
x.document.open();
x.document.write(text2);
x.document.close();
}
}
/*This function puts any number entered in the correct format*/
function stripNum(num)
{
var iPercent
var iDollar
var iSpace
var iComma
var numLength = num.length
if(numLength > 0)
{
num=num.toString();
iPercent = num.indexOf("%");
if(iPercent >= 0)
{
num=num.substring(0,iPercent) + "" + num.substring(iPercent + 1,numLength);
numLength=num.length;
}
iDollar = num.indexOf("$");
if(iDollar >= 0)
{
num=num.substring(0,iDollar) + "" + num.substring(iDollar + 1,numLength);
numLength=num.length;
}
iSpace = num.indexOf(" ");
if(iSpace >= 0)
{
num=num.substring(0,iSpace) + "" + num.substring(iSpace + 1,numLength);
numLength=num.length;
}
iComma = num.indexOf(",");
if(iComma >= 0)
{
while(iComma >=1)
{
num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
numLength=num.length;
iComma = num.indexOf(",");
}
}
num = eval(num);
}
else
{
num = 0;
}
return num;
}
/*END This function puts any number entered in the correct format*/
function formatNumber(num)
{
var isNeg=0;
if(num < 0)
{
num=num*-1;
isNeg=1;
}
onum=Math.round(num*100)/100;
integer=Math.floor(onum);
if (Math.ceil(onum) == integer)
{
decimal="00";
}
else
{
decimal=Math.round((onum-integer)*100)
}
decimal=decimal.toString();
if (decimal.length<2)
decimal="0"+decimal;
integer=integer.toString();
var tmpnum="";
var tmpinteger="";
var y=0;
for (x=integer.length;x>0;x--)
{
tmpnum=tmpnum+integer.charAt(x-1);
y=y+1;
if (y==3 & x>1)
{
tmpnum=tmpnum+",";
y=0;
}
}
for (x=tmpnum.length;x>0;x--)
{
tmpinteger=tmpinteger+tmpnum.charAt(x-1);
}
//finNum="$"+tmpinteger+"."+decimal;
finNum=tmpinteger+"."+decimal;
if(isNeg == 1)
{
finNum = "-" + finNum;
}
return finNum;
}
/*This function compute's monthly payment*/
function computeMonthlyPayment(prin, numPmts, intRate)
{
var pmtAmt = 0;
if(intRate == 0)
{
pmtAmt = prin / numPmts;
}
else
{
if (intRate >= 1.0)
{
intRate = intRate / 100.0;
}
intRate /= 12;
var pow = 1;
for (var j = 0; j < numPmts; j++)
pow = pow * (1 + intRate);
pmtAmt = (prin * pow * intRate) / (pow - 1);
}
return pmtAmt;
}
/*END This function compute's monthly payment*/
/*Mortgage Amortization Form*/
function computeAmortizationForm(form)
{
if(document.mortgagePayment.principal.value == 0 || document.mortgagePayment.principal.value == "")
{
alert("Please enter the mortgage's principal amount.");
document.mortgagePayment.principal.focus();
}
else if(document.mortgagePayment.intRate.value == 0 || document.mortgagePayment.intRate.value == "")
{
alert("Please enter the mortgage's annual interest rate.");
document.mortgagePayment.intRate.focus();
}
else if(document.mortgagePayment.numYears.value == 0 || document.mortgagePayment.numYears.value == "")
{
alert("Please enter the mortgage's term in number of years.");
document.mortgagePayment.numYears.focus();
}
else
{
var Vprincipal = stripNum(document.mortgagePayment.principal.value);
var VintRate = stripNum(document.mortgagePayment.intRate.value);
var VnumYears = stripNum(document.mortgagePayment.numYears.value);
var VannualTax = document.mortgagePayment.annualTax.value;
var VmonthlyTax =0;
if(VannualTax == 0 || VannualTax == "")
{
VannualTax = 0;
VmonthlyTax =0;
}
else
{
VannualTax = stripNum(VannualTax);
VmonthlyTax = VannualTax / 12;
VmonthlyTax *= 100;
VmonthlyTax = Math.round(VmonthlyTax);
VmonthlyTax /= 100;
}
var VannualInsurance = document.mortgagePayment.annualInsurance.value;
var VmonthlyInsurance = 0;
if(VannualInsurance == 0 || VannualInsurance == "")
{
VannualInsurance = 0;
VmonthlyInsurance = 0;
}
else
{
VannualInsurance = stripNum(VannualInsurance);
VmonthlyInsurance = VannualInsurance / 12;
VmonthlyInsurance *= 100;
VmonthlyInsurance = Math.round(VmonthlyInsurance);
VmonthlyInsurance /= 100;
}
var VmonthlyPMI = document.mortgagePayment.monthlyPMI.value;
if(VmonthlyPMI == 0 || VmonthlyPMI == "")
{
VmonthlyPMI = 0;
}
else
{
VmonthlyPMI = stripNum(VmonthlyPMI);
}
var VotherPmts = eval(VmonthlyTax) + eval(VmonthlyInsurance) + eval(VmonthlyPMI);
var VnumPmts = VnumYears * 12;
var VpmtAmt = computeMonthlyPayment(Vprincipal, VnumPmts, VintRate);
var VtotalMtgPmt = eval(VpmtAmt) + eval(VotherPmts);
document.mortgagePayment.monthlyPI.value = "$"+formatNumber(VpmtAmt);
document.mortgagePayment.otherPmts.value = "$"+formatNumber(VotherPmts);
document.mortgagePayment.monthlyPmt.value = "$"+formatNumber(VtotalMtgPmt);
}
}
/*END Mortgage Amortization Form*/
/*Mortgage Payoff Goal Form*/
function computePayoffGoalForm(form)
{
if(form.principal.value == "" || form.principal.value == 0)
{
alert("Please enter the principal balance of your current mortgage.");
form.principal.focus();
}
else if(form.interest.value == "" || form.interest.value == 0)
{
alert("Please enter the interest rate of your current mortgage.");
form.interest.focus();
}
else if(form.origPmt.value == "" || form.origPmt.value == 0)
{
alert("Please enter your current monthly mortgage payment (principal and interest portion only).");
form.origPmt.focus();
}
else
if(form.noYears.value == "" || form.noYears.value == 0)
{
alert("Please enter the number of years you would like to pay off your mortgage in.");
form.noYears.focus();
}
else
{
var Vprincipal = stripNum(form.principal.value);
var i = stripNum(form.interest.value);
if (i >= 1.0)
{
i = i / 100.0;
}
i /= 12;
VnoYears = stripNum(form.noYears.value);
VorigPmt = stripNum(form.origPmt.value);
var noMonths = VnoYears * 12;
var pow = 1;
for (var j = 0; j < noMonths; j++)
pow = pow * (1 + i);
var newPmt = (Vprincipal * pow * i) / (pow - 1);
var VpmtAdd = eval(newPmt) - eval(VorigPmt);
form.pmtAdd.value = "$" + formatNumber(VpmtAdd);
var prin = stripNum(form.principal.value);
var count = 0;
var prinPort = 0;
var intPort = 0;
var accumInt = 0;
var pmt = stripNum(form.origPmt.value);
while(eval(prin) > eval(pmt))
{
intPort = prin * i;
accumInt = eval(accumInt) + eval(intPort)
prinPort = eval(pmt) - eval(intPort);
prin = eval(prin) - eval(prinPort);
count = eval(count) + eval(1);
}
var VorigInt = accumInt;
var VnewInt = (eval(newPmt * noMonths)) - eval(Vprincipal);
var VintSave = eval(VorigInt) - eval(VnewInt);
form.intSave.value = "$" + formatNumber(VintSave);
var Vresults = ("If you would like to pay off your mortgage in " + VnoYears + " years instead of the current " + formatNumber(count / 12) + " years, you will need to start making a second monthly mortgage payment in the amount of $" + formatNumber(VpmtAdd) + ". This will cut your current mortgage interest cost from $" + formatNumber(accumInt) + " down to $" + formatNumber(VnewInt) + ", a savings of $" + formatNumber(VintSave) + " in interest charges.");
writit(Vresults,"results")
}
}
/*END Mortgage Payoff Goal Form*/
/*Mortgage Qualification Form*/
function computeMQualForm(form)
{
//IF REQUIRED FIELDS EMPTY, ALERT AND KILL SCRIPT
if(form.grossPay.value == "" || form.grossPay.value == 0)
{
alert("Please enter your gross annual income.");
form.grossPay.focus();
}
else
//if(form.moDebts.value == "")
//{
//alert("Please enter the monthly debt payments you expect to pay.");
//form.moDebts.focus();
//}
//else if(form.downPay.value == "")
//{
//alert("Please enter the down payment you expect to pay.");
//form.downPay.focus();
//}
if(form.intRate.value == "" || form.intRate.value == 0)
{
alert("Please enter the annual interest rate you expect to pay.");
form.intRate.focus();
}
//else if(form.moPMIPercent.value == "")
//{
//alert("Please enter the monthly private mortgage insurance percentage you expect to pay.");
//form.moPMIPercent.focus();
//} else if(form.moInsurance.value == "")
//{
//alert("Please enter the monthly insurance you expect to pay.");
//form.moInsurance.focus();
//}
else if(form.propTaxPerc.value == "")
{
alert("Please enter the annual property tax percentage you expect to pay.");
form.propTaxPerc.focus();
}
else if(form.term.value == "")
{
alert("Please enter the length of the mortgage.");
form.pmtRatio.focus();
}
else if(form.pmtRatio.value == "")
{
alert("Please enter the maximum mortgage payment to income ratio.");
form.pmtRatio.focus();
}
else if(form.debtRatio.value == "")
{
alert("Please enter the maximum debt payments to income ratio.");
form.debtRatio.focus();
}
else
{
//START REQUIRED FIELD VARIFICATION
//SET OPTIONAL BLANK FIELDS EQUAL TO ZERO;
var VmonthlyDebtPmts = stripNum(form.moDebts.value);
var VmoInsurance = stripNum(form.moInsurance.value);
var VannPropTaxPerc = stripNum(form.propTaxPerc.value);
if(VannPropTaxPerc >= 1)
{
VannPropTaxPerc = VannPropTaxPerc / 100;
}
var VmoPropTaxPerc = VannPropTaxPerc / 12;
//COMPUTE MONTHLY INCOME BASED ON ANNUAL INCOME
var VgrossPay = stripNum(form.grossPay.value);
var monthlyIncome = VgrossPay /12;
//MORTGAGE PAYMENT CAN'T EXCEED 28% OF MONTHLY INCOME
var VpmtRatio = stripNum(form.pmtRatio.value);
if(VpmtRatio >= 1)
{
VpmtRatio /= 100;
}
var maxIncomePmt = monthlyIncome * VpmtRatio;
//MORTGAGE PAYMENT PLUS DEBT PMTS CAN'T EXCEED 36% OF MONTHLY INCOME
var VdebtRatio = stripNum(form.debtRatio.value);
if(VdebtRatio >= 1)
{
VdebtRatio /= 100;
}
var maxDebtToIncomePmt = eval(VdebtRatio * monthlyIncome) - eval(VmonthlyDebtPmts);
//USE THE LOWER OF 28% OR 36% AS MAXIMUM HOUSE PAYMENT
var maxHousePmt = 0;
if(maxIncomePmt > maxDebtToIncomePmt)
{
maxHousePmt = maxDebtToIncomePmt;
}
else {
maxHousePmt = maxIncomePmt;
}
//IF MAX HOUSE PAYMENT IS LESS THAN $1, ALERT & KILL SCRIPT
if(maxHousePmt < 1)
{
form.downPay2.value = "";
form.loanAmt.value = "";
form.homePrice.value = "";
form.moPay.value = "";
alert("Based on industry standards you would not qualify for a home mortgage. In order to qualify you will need to either increase your annual income or lower your monthly debt payments, or a combination of both.")
}
else
{
//START HOUSE PAYMENT VERIFICATION
//ADJUST HOUSE PAYMENT DOWN TO REFLECT MONTHLY PMI, INSURANCE & TAX
//GATHER VARIABLES FOR PAYMENT AND PRINCIPLE COMPUTATIONS
var Vi = stripNum(form.intRate.value);
var VintRate = stripNum(form.intRate.value);
if(VintRate >= 1)
{
VintRate = VintRate / 100;
}
else
{
VintRate = VintRate;
}
VintRate = VintRate / 12;
var Vterm = 0;
if(form.term.selectedIndex == 0)
{
Vterm = 180;
}
else
if(form.term.selectedIndex == 1)
{
Vterm = 240;
}
else
{
Vterm = 360;
}
//MAKE INITIAL DETERMINATION OF NEW MAX HOUSE PMT
//COMPUTE PRINCIPAL PAID ON MAXIMUM MONTHLY PAYMENT
var pow = 1;
for (var j = 0; j < Vterm; j++)
{
pow = pow * (1 + VintRate);
}
var maxLoanAmt = ((pow - 1) * maxHousePmt) / (pow * VintRate);
//DETERMINE INITIAL HOME PRICE
var VdownPay = stripNum(form.downPay.value);
var maxHomePrice = eval(maxLoanAmt) + eval(VdownPay);
//DETERMINE INITIAL PMI
var VmoPMIPercent = stripNum(form.moPMIPercent.value);
if(form.moPMIPercent.value.length == 0)
{
var downPayPerc = VdownPay / maxHomePrice;
var PMIPerc = 0;
if(downPayPerc < .05)
{
PMIPerc = 0;
}
else if(downPayPerc < .10)
{
PMIPerc = .00065;
}
else if(downPayPerc < .15)
{
PMIPerc = .00043;
}
else if(downPayPerc < .20)
{
PMIPerc = .00027;
}
else {
PMIPerc = 0;
}
}
else
{
PMIPerc = VmoPMIPercent / 1000;
}
var monthlyPMI = maxLoanAmt * PMIPerc;
//DETERMINE INITIAL PROPERTY TAX
var monthlyPropTax = maxHomePrice * VmoPropTaxPerc;
var initMaxHousePmt = eval(maxHousePmt);
//var initMaxHousePmt = eval(maxHousePmt) - eval(monthlyPMI) - eval(VmoInsurance) - eval(monthlyPropTax);
var newMaxHousePmt = 0;
var newMaxLoanAmt = 0;
var newMaxHomePrice = 0;
var totalOfPmts = eval(maxHousePmt) + eval(monthlyPMI) + eval(VmoInsurance) + eval(monthlyPropTax);;
var count = 0;
while(totalOfPmts > maxHousePmt)
{
initMaxHousePmt = eval(initMaxHousePmt) - eval(1);
//MAKE INITIAL DETERMINATION OF NEW MAX HOUSE PMT
//COMPUTE PRINCIPAL PAID ON MAXIMUM MONTHLY PAYMENT
newMaxLoanAmt = ((pow - 1) * initMaxHousePmt) / (pow * VintRate);
//DETERMINE NEW HOME PRICE
newMaxHomePrice = eval(newMaxLoanAmt) + eval(VdownPay);
//DETERMINE INITIAL PMI
if(form.moPMIPercent.value.length == 0)
{
downPayPerc = VdownPay / newMaxHomePrice;
PMIPerc = 0;
if(downPayPerc < .05)
{
PMIPerc = 0;
}
else if(downPayPerc < .10)
{
PMIPerc = .00065;
}
else if(downPayPerc < .15)
{
PMIPerc = .00043;
}
else if(downPayPerc < .20)
{
PMIPerc = .00027;
}
else
{
PMIPerc = 0;
}
}
else
{
PMIPerc = VmoPMIPercent / 1000;
}
monthlyPMI = newMaxLoanAmt * PMIPerc;
//DETERMINE INITIAL PROPERTY TAX
monthlyPropTax = newMaxHomePrice * VmoPropTaxPerc;
totalOfPmts = eval(initMaxHousePmt) + eval(monthlyPMI) + eval(VmoInsurance) + eval(monthlyPropTax);
count = eval(count) + eval(1);
if(count > 1000)
{
break;
}
else
{
continue;
}
}
//ENTER TOTALS
form.downPay2.value = "$" + formatNumber(VdownPay);
form.loanAmt.value = "$" + formatNumber(newMaxLoanAmt);
form.homePrice.value = "$" + formatNumber(eval(VdownPay) + eval(newMaxLoanAmt));
form.moPMI.value = "$" + formatNumber(monthlyPMI);
form.moIns.value = "$" + formatNumber(VmoInsurance);
form.moTax.value = "$" + formatNumber(monthlyPropTax);
form.moPay.value = "$" + formatNumber(initMaxHousePmt);
form.moTotal.value = "$" + formatNumber(totalOfPmts);
//END HOUSE PAYMENT VERIFICATION
}
//END REQUIRED FIELD VARIFICATION
}
}
/*END Mortgage Qualification Form*/