var e65 = 5.7; var e70 = 5.8; var e75 = 5.9; var e80 = 6.1; var e85 = 6.25; var e90 = 6.5; var e95 = 6.85; var e100 = 7.8;
var v65 = 5.9; var v70 = 6; var v75 = 6.1; var v80 = 6.3; var v85 = 6.4; var v90 = 6.7; var v95 = 7; var v100 = 7.8;
var g65 = 6; var g70 = 6.1; var g75 = 6.2; var g80 = 6.4; var g85 = 6.6; var g90 = 6.9; var g95 = 7.3; var g100 = 8;
var a65 = 6.2; var a70 = 6.3; var a75 = 6.4; var a80 = 6.6; var a85 = 6.9; var a90 = 7.1; var a95 = 7.5; var a100 = 8.8;
var b65 = 7.1; var b70 = 7.2; var b75 = 7.3; var b80 = 7.5; var b85 = 7.9; var b90 = 8.5; var b95 = 99; var b100 = 99;
var n65 = 8; var n70 = 8.1; var n75 = 8.3; var n80 = 8.4; var n85 = 8.8; var n90 = 99; var n95 = 99; var n100 = 99;
var p65 = 10; var p70 = 99; var p75 = 99; var p80 = 99; var p85 = 99; var p90 = 99; var p95 = 99; var p100 = 99;

            var mortgage_balance = 100000;
            var value = 0;
            var mortgage_payment = 0;
            var card_1_balance = 0;
            var card_2_balance = 0;
			var card_3_balance = 0;
			var card_4_balance = 0;
			var card_5_balance = 0;
			var card_6_balance = 0;
			var card_1_payment = 0;
			var card_2_payment = 0;
			var card_3_payment = 0;
			var card_4_payment = 0;
			var card_5_payment = 0;
			var card_6_payment = 0;	
			var car_balance = 0;
			var car_payment = 0;
			var other_loan_balance = 0;
			var other_loan_payment = 0;
			var cash_out = 0;
			var income = 0;											
            var current_debt = 0;
            var new_debt = 0;
            var monthly_savings = 0;
            var salary_increase = 0;
            var ltv = 0;
            var new_balance = 0;
            var credit = 0;
            var interest = 0;
            var interest_rate = 0; //This is the field that can be changed by the loan officer
            var taxes = 0; var insurance = 0; var hoa_dues = 0; var total_debt = 0;
            var ltd_1 = 0; var ltd_2 = 0; var ltd_3 = 0; var ltd_4 = 0;
            var recalc = 0;
            var interest_only = 0;
            var term = 0;
            var title = 0;
            var points = 0;
            var closing_costs = 0;
            var ppp = 0;
            var new_loan = 0;
            var monthly_savings_io = 0;
            var io_bump = 0;
            var io_rate = 0;

function card1Payment() {
	card_1_balance = document.form1.card_1_balance.value * 1;
	document.form1.card_1_payment.value = card_1_balance * .02;
} 
function card2Payment() {
	card_2_balance = document.form1.card_2_balance.value * 1;
	document.form1.card_2_payment.value = card_2_balance * .02;
}
function card3Payment() {
	card_3_balance = document.form1.card_3_balance.value * 1;
	document.form1.card_3_payment.value = card_3_balance * .02;
}
function card4Payment() {
	card_4_balance = document.form1.card_4_balance.value * 1;
	document.form1.card_4_payment.value = card_4_balance * .02;
}
function card5Payment() {
	card_5_balance = document.form1.card_5_balance.value * 1;
	document.form1.card_5_payment.value = card_5_balance * .02;
}
function card6Payment() {
	card_6_balance = document.form1.card_6_balance.value * 1;
	document.form1.card_6_payment.value = card_6_balance * .02;
}

function Recalculate() {
	interest_rate = document.form1.interest_rate.value * 1;
	recalc = 1;
	Calculate();
}

function Calculate(){
            	//alert(interest_rate);
            	mortgage_balance = document.form1.mortgage_balance.value * 1;
                value = document.form1.value .value * 1;
                credit = document.form1.credit.value * 1;
                mortgage_payment = document.form1.mortgage_payment.value * 1;
                card_1_balance = document.form1.card_1_balance.value * 1;
                card_2_balance = document.form1.card_2_balance.value * 1;
				card_3_balance = document.form1.card_3_balance.value * 1;
				card_4_balance = document.form1.card_4_balance.value * 1;
				card_5_balance = document.form1.card_5_balance.value * 1;
				card_6_balance = document.form1.card_6_balance.value * 1;
				car_balance = document.form1.car_balance.value * 1;
				other_loan_balance = document.form1.other_loan_balance.value * 1;
				card_1_payment = document.form1.card_1_payment.value * 1;
				card_2_payment = document.form1.card_2_payment.value * 1;
				card_3_payment = document.form1.card_3_payment.value * 1;
				card_4_payment = document.form1.card_4_payment.value * 1;
				card_5_payment = document.form1.card_5_payment.value * 1;
				card_6_payment = document.form1.card_6_payment.value * 1;
				car_payment = document.form1.car_payment.value * 1;
				ltd_1 = document.form1.ltd_1.value * 1;
				ltd_2 = document.form1.ltd_2.value * 1;
				ltd_3 = document.form1.ltd_3.value * 1;
				ltd_4 = document.form1.ltd_4.value * 1;
				other_loan_payment = document.form1.other_loan_payment.value * 1;
				cash_out = document.form1.cash_out.value * 1;
				income = document.form1.income.value * 1;
				interest_only = document.form1.interest_only.value * 1;
				term = document.form1.term.value * 1;
				title = document.form1.title.value * 1;
				points = document.form1.points.value * 1;
				closing_costs = document.form1.closing_costs.value * 1;
				ppp = document.form1.ppp.value * 1;
				io_bump = document.form1.io_bump.value * 1;
				
				if (income == 0) {
					alert ("You did not enter your gross monthly income.");
					return false;
				}
				taxes = document.form1.taxes.value * 1;
				insurance = document.form1.insurance.value * 1;
				hoa_dues = document.form1.hoa_dues.value * 1;
				interest_rate = document.form1.interest_rate.value * 1;

				var principal = 0;
				principal = mortgage_balance + card_1_balance + card_2_balance + card_3_balance + card_4_balance;
				principal = principal + card_5_balance + card_6_balance + car_balance + other_loan_balance + cash_out;
				principal = (principal + title + closing_costs + ppp) * (1 + points/100);
				principal = Math.round(principal);
				//alert (principal);
				if (value == 0) {
					alert ("You did not enter a value for your home.");
					return false;
				}
				ltv = principal / value;
				if (principal > value) {
					alert ("Your debts you wish to pay off exceed the value of your home. Please remove one or more of your debts, or reduce the cash out and try again");
					return false;
				}
// Determine interest rate
		if (credit == 700) {
			if (ltv < .65) {interest = e65;}
			if (ltv > .65) {interest = e70;}
			if (ltv > .70) {interest = e75;}
			if (ltv > .75) {interest = e80;}
			if (ltv > .80) {interest = e85;}
			if (ltv > .85) {interest = e90;}
			if (ltv > .90) {interest = e95;}
			if (ltv > .95) {interest = e100;}
		}	
		if (credit == 680) {
			if (ltv < .65) {interest = v65;}
			if (ltv > .65) {interest = v70;}
			if (ltv > .70) {interest = v75;}
			if (ltv > .75) {interest = v80;}
			if (ltv > .80) {interest = v85;}
			if (ltv > .85) {interest = v90;}
			if (ltv > .90) {interest = v95;}
			if (ltv > .95) {interest = v100;}
		}	
		if (credit == 650) {
			if (ltv < .65) {interest = g65;}
			if (ltv > .65) {interest = g70;}
			if (ltv > .70) {interest = g75;}
			if (ltv > .75) {interest = g80;}
			if (ltv > .80) {interest = g85;}
			if (ltv > .85) {interest = g90;}
			if (ltv > .90) {interest = g95;}
			if (ltv > .95) {interest = g100;}
		}	
		if (credit == 600) {
			if (ltv < .65) {interest = a65;}
			if (ltv > .65) {interest = a70;}
			if (ltv > .70) {interest = a75;}
			if (ltv > .75) {interest = a80;}
			if (ltv > .80) {interest = a85;}
			if (ltv > .85) {interest = a90;}
			if (ltv > .90) {interest = a95;}
			if (ltv > .95) {interest = a100;}
		}	
		if (credit == 550) {
			if (ltv < .65) {interest = b65;}
			if (ltv > .65) {interest = b70;}
			if (ltv > .70) {interest = b75;}
			if (ltv > .75) {interest = b80;}
			if (ltv > .80) {interest = b85;}
			if (ltv > .85) {interest = b90;}
			if (ltv > .90) {interest = b95;}
			if (ltv > .95) {interest = b100;}
		}	
		if (credit == 500) {
			if (ltv < .65) {interest = n65;}
			if (ltv > .65) {interest = n70;}
			if (ltv > .70) {interest = n75;}
			if (ltv > .75) {interest = n80;}
			if (ltv > .80) {interest = n85;}
			if (ltv > .85) {interest = n90;}
			if (ltv > .90) {interest = n95;}
			if (ltv > .95) {interest = n100;}
		}	
		if (credit == 450) {
			if (ltv < .65) {interest = p65;}
			if (ltv > .65) {interest = p70;}
			if (ltv > .70) {interest = p75;}
			if (ltv > .75) {interest = p80;}
			if (ltv > .80) {interest = p85;}
			if (ltv > .85) {interest = p90;}
			if (ltv > .90) {interest = p95;}
			if (ltv > .95) {interest = p100;}
		}	
		if (interest == 99) {
			alert ("Your personal credit does not let you pay off as many debts or take out enough cash. Either remove one or more credit card or other loan balances, or reduce the amount of cash you want to borrow.");
			return false;
		}
				if (recalc == 1) {interest = interest_rate;}
				interest_rate = interest;
				interest = interest / 100;
				var payment = (principal * interest/12) / (1 - Math.pow(1 + interest/12, -term * 12));
				payment = Math.round(payment);
				io_rate = interest + io_bump/100;
				interest_only = (io_rate * principal) / 12;
				interest_only = Math.round (interest_only);
				current_debt = card_1_payment + card_2_payment + card_3_payment + card_4_payment + card_5_payment + card_6_payment;
				//alert (current_debt);
                current_debt = current_debt + mortgage_payment + car_payment + other_loan_payment;
                current_debt = current_debt + taxes + insurance + hoa_dues + ltd_1 + ltd_2 + ltd_3 + ltd_4;
                
               	monthly_savings = current_debt - payment -(taxes + insurance + hoa_dues + ltd_1 + ltd_2 + ltd_3 + ltd_4);
               	monthly_savings_io = current_debt - interest_only -(taxes + insurance + hoa_dues + ltd_1 + ltd_2 + ltd_3 + ltd_4);
               	total_debt = payment + taxes + insurance + hoa_dues + ltd_1 + ltd_2 + ltd_3 + ltd_4;
               	interest_only = interest_only + taxes + insurance + hoa_dues + ltd_1 + ltd_2 + ltd_3 + ltd_4;
               	dti = total_debt / income;
               	dti = dti * 100;
               	dti = Math.round (dti);
               	if (dti > 57) {
			alert ("Your total monthly debt payments seem to be too high compared to your monthly income. Please call your mortgage consultant immediately to go over your options.");
			return false;
		}
               	ltv = ltv * 100;
               	ltv = Math.round(ltv);
               	salary_increase = (monthly_savings / income) * 1;
               	salary_increase = salary_increase * 100;
               	salary_increase = Math.round(salary_increase);
               	if (salary_increase < 0) {salary_increase = "N/A";}
				
				document.form1.current_debt.value = current_debt;
                document.form1.new_debt.value = total_debt;
                document.form1.interest_only.value = interest_only;
                document.form1.ltv.value = ltv;
                document.form1.monthly_savings.value = monthly_savings;
                document.form1.monthly_savings_io.value = monthly_savings_io;
                document.form1.salary_increase.value = salary_increase;
                document.form1.dti.value = dti;
                document.form1.interest_rate.value = interest_rate;
                document.form1.new_loan.value = principal;
                document.form1.interest_only.value = interest_only;
                recalc = 0;

           }