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June 13, 2004
New Website Design Completed!
     Our new site is now ready.

June 13, 2004
Secure EZ Online Loan Application Ready!
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Loan/Fun Calculators
Please check out all the following loan calculators for mortgage information
Basic / Advanced Mortgage Calculations

Basic Loan Amorization
It seems people want to see weekly, daily, quarterly, you name it amortizations. Okay, I will make a generic loan amortization where you specify the number of periods per year.

Full Amorization With Pre-Payment
Calculate A Full Amorization Schedule with Pre-Payment!

Loan/Refinancing Comparison
This provides a very generic and flexible interface to compare two loans especially now when the rates are so low that refinancing can take place in a variety of ways (i.e. you can increase your loan balance and still pay less interest each month!). I have been getting lots of refi questions lately so I have made this comparison as flexible as possible.

How Much House Can I Afford?
This has been changed to allow higher debt ratios for expensive housing markets.

Whats Missing?
This simple program finds the missing loan variable (loan amount, monthly payment, interest rate or number of months).

Fun Calculators

Wealth Calculator
This uses the formulas and discussion from Stanley and Danko's best-seller The Millionaire Next Door so you can see how wealthy you really are.

How Much Can I Save By Not Smoking?
Similar to my "lunch" calculator this lets you see how you can buy a nice vacation or even a new car if you stop smoking cigarettes every day. A suggestion from RF of Richmond, VA.

How Much Can I Save For Lunch?
It's amazing to see people who go out to eat lunch everyday, spending $3 to $6 for five days a week to eat. I wonder what would happen if calculated the savings over making your own $1 lunch every day...

 
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