MARTINDALE'S CALCULATORS ON-LINE CENTER PART I: F-H - FINANCE SECTION MORTGAGES, REFINANCING, REAL ESTATE VALUATION HOUSING STARTS, EXISTING HOME SALES, ETC. (Calculators, Applets, Spreadsheets, and where Applicable includes: Courses, Manuals, Handbooks, Simulations, Animations, Videos, etc.)

US/Pacific: Thursday, November 20, 2008 Sydney, Australia: Friday, November 21, 2008 File Download Time Calculator Author, E-Mail, Privacy Policy & Disclaimer Currently the Calculators On-Line Center contains over "23,605" Calculators & Spreadsheets, over "3,460" Courses, Lectures, Manuals, Handbooks, & "1,000's" of Movies, Videos, Simulations & Animations

Multilingual Mortgage Calculators (in Chinese, English, French, German, Italian, Spanish, etc.) Canadian Mortgage Calculators (English & French) The Netherlands Mortgage Calculators (Nederlands) South Africa Mortgage Calculators U.S. Housing Starts, Real Estate Valuation, Mortgage Calculators, etc. Housing Starts, Existing Home Sales, House Price Index Real Estate Valuation & Home Rate of Return Mortgage Refinancing & Home Equity Line of Credit Amortization ~ Closing Costs ~ Reverse Mortgages ~ Second Home After Tax Costs Mortgage & Homeownership Calculators - All Inclusive (Fannie Mae & Freddie Mac Tools, Mortgage, Mortgage Payoff, Tax Savings, Rent vs. Buy, Fixed or Adjustable-Rate, Adjustable-Rate Mortgages, Prepayment Penalty, Blended Rates, Rule of 78 Loan, Conventional Loan with initial Interest Only Payments, How much can I Afford, Convertible Ballon Mortgage Loan, etc.) U.S. Mortgage Loans Online Calculators - Finance Calculators On-Line Center, Part I:F-H Calculators On-Line Center

Multilingual, Canadian, The Netherlands, South Africa, Spain & the Americas (Spanish), etc. Mortgage Calculators MORTGAGE CALCULATORS - MULTILINGUAL KARL JEACLE'S MORTGAGE & AMORTIZATION CALCULATOR (JAVA APPLET) - K. Jeacle, Dublin, Ireland VERY VERY EXTENSIVE & VERY FAST. Available in over "20" Languages. Mortgage Calculator & Amortization Calculator "...Dynamically Calculate your mortgage payments..." Mortgage Calculator & Amortization Calculator INPUT Values include: "...Princpal; Years; Start Month; Start Year; Interest; Fixed Loan Data; Prepayment Data..." For more information see Karl Jeacle's Home Page CANADIAN MORTGAGE CALCULATORS & APPLETS - IN ENGLISH & FRENCH/FRANÇAIS CALCULATEURS: HYPOTHÈQUES RÈSIDENTIELLES (FRANÇAIS) - RBC Banque Royale, Canada VERY EXTENSIVE. Calculateur des versements hypotháques "...Ce calculateur vous indiquera à combien s'álèveront vos versements hypothácaires et comment vous pourriez áconomiser des milliers de dollars en intárêts en remboursant votre hypothèque plus rapidement. Il vous suffit d'entrer le montant que vous dásirez..." For more information see Outils et calculateurs; Hypothèques résidentielles Banque Royale or the RBC Banque Royale CANADIAN MORTGAGE CALCULATOR - Term Life Insurance Canada, Insurance Squared Inc., Canada VERY EXTENSIVE. Canadian Mortgage Calculator "...uses 'calculated semi-annually, not in advance' which provides numbers similiar to most Canadian mortgage amortization schedules..." For more information see Term Life Insurance Canada or Insurance Squared Inc. CANADIAN MORTGAGE VS. RRSP CALCULATOR - Term Life Insurance Canada, Insurance Squared Inc., Canada VERY EXTENSIVE. Canadian Mortgage vs. RRSP Calculator "...Do you want to compare paying down your mortgage vs. contributing to your RRSP? Or doing 'both' by contributing to your RRSP then using your tax refund to pay down your mortgage?..." Canadian Mortgage vs. RRSP Calculator INPUT Values include "...Current Mortgage Balance; Current monthly Mortgage Payments; Mortgage Interest Rate; Additional New Monthly Contributions; Marginal Tax Rate..." For more information see Term Life Insurance Canada or Insurance Squared Inc. THE NETHERLANDS MORTGAGE CALCULATORS & APPLETS - DUTCH (NEDERLANDS) HYPOTHEEK (MORTGAGE) CALCULATOR (JAVA APPLET) - H. Steinhauser and P. Kunst, Netherlands Hypotheek Calculator "...Met dit programma kunt u een overzicht berekenen van de maandelijkse lasten (bruto en netto) die verbonden zijn aan een door u opgegeven spaarhypotheek..." SOUTH AFRICA MORTGAGE CALCULATORS & APPLETS MORTGAGE PAYMENT TABLE CALCULATOR - Times Media Ltd, South Africa Mortgage Payment Table Calculator "...shows you how your monthly repayment changes as interest rates fluctuate. It also shows you the monthly repayments at different loan amounts. The minimum and maximum figures give the start and end values used in your table..." For more information see Personal Calculators or the Business Times U.S. Housing Starts, Real Estate Valuation, Mortgage Calculators, etc. U.S. HOUSING STARTS, EXISTING HOME SALES, HOUSE PRICE INDEX, ETC. CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS EXISTING HOME SALES - National Association of Realtors (NAR) VERY VERY VERY...EXTENSIVE. Existing-home Sales "...NAR releases statistics on sales and prices of existing single-family homes for the nation and the four regions. These figures include condos and co-ops, in addition to single-family homes..." Existing Home Sales Databases include "...Existing-Home Sales and Prices Overview; Breakouts of Single-family, Condo and Co-op; Single-Family Existing-Home Sales and Prices; Condo and Co-op Sales and Prices; etc..." For more information see the National Association of Realtors (NAR) HOUSING INDUSTRY DATA - National Association of Home Builders (NAHB) VERY VERY VERY...EXTENSIVE. Housing Industry Databases provides "...relevant data on the construction industry, including data on housing starts, permits, and completions, which includes single-family, multifamily, and total. Timely data on sales, prices, building materials prices, and interest rates are available. State and metro area data on housing permits and employment are also provided..." Housing Industry Databases include: "...Construction Statistics (Housing Starts, Permits, etc.); Home Sales and Prices; Financial and Mortgage Markets; State and Local Data; Building Materials Data & Reports..." For more information see the National Association of Home Builders (NAHB) U.S. HOUSE PRICE INDEX AND HOUSE PRICE CALCULATOR - Office of Federal Housing Enterprise Oversight (OFHEO), Department of Housing and Urban Development VERY VERY EXTENSIVE. U.S House Price Index (HPI) "...is a broad measure of the movement of single-family house prices. Because of the breadth of the sample, it provides more information than is available in other house price indexes..." House Price Calculator Calculates "...the current estimated dollar value of your home...remember that the current estimated value is determined based on average house price growth for selected geographic areas. Actual value will depend on the local real estate market, house condition..." For more information see the Office of Federal Housing Enterprise Oversight U.S. REAL ESTATE VALUATION & HOME RATE OF RETURN Home Rate of Return CALCULATE YOUR HOME'S RATE OF RETURN - CNN America, Inc., a Time Warner Company Your Home's Rate of Return Calculator INPUT Values include "...Starting Value (Date & Price); Ending Value (Date & Price)..." For more information see Calculators or CNNmoney U.S. Real Estate Valuation U.S. REAL ESTATE VALUATION - Zillow VERY VERY VERY...EXTENSIVE. Zillow Real Estate Valuation Database "...The home data we have compiled to generate a Zestimate home valuation varies by location. Some counties provide all the data we could hope for, but others are lacking such key things as the number of bedrooms and bathrooms, or, in some cases, the square footage of the home..." MORTGAGE REFINANCING & HOME EQUITY LINE OF CREDIT CALCULATORS & APPLETS HELOC LOAN & MORTGAGE CALCULATOR - T. Paul, Sagetips.com Home Equity Line of Credit (HELOC) Calculator "...will tell you how much you can borrow, how much your monthly payments will be, and how much tax savings you can expect to realize..." For more information see HELOC Loan Tips and Strategies Examples of other HELCO Calculators include HELCO Payment Calculator HELCO Credit Card Rewards Calculator

AMORTIZATION CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS MORTGAGE CALCULATOR WITH ANNUALIZED MORTGAGE PAYMENTS - Bloomberg L.P. VERY FAST - VERY EXTENSIVE. Mortgage Calculator with Annualized Mortgage Payments "...se this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay and your principal balances. You can even determine the impact of any principal prepayments!..." Mortgage Calculator with Annualized Mortgage Payments INPUT Values include "...Mortgage Amount; Term; Interest Rate; Prepayments (Type; Amount; etc.); Report Amortization Schedule by Year or by Month..." For more information see Bloomberg MORTGAGE & AMORTIZATION CALCULATOR (JAVA APPLET) - Myers Internet Services Inc. VERY FAST - VERY EXTENSIVE. Mortgage & Amortization Calculator "...Calculates monthly payment using sliding-bars,..." For more information see Calculators or Mortgage-Net AMORTIZATION CALCULATOR - B.D. Whissel, Florida State University VERY EXTENSIVE. Amortization Calculator INPUT Values include: "...Principal; Annual Interest Rate; Balloon Payment; Payments per Year; Number of Regular Payments..." For more information see Bret D. Whissel's Home Page KARL JEACLE'S MORTGAGE & AMORTIZATION CALCULATOR (JAVA APPLET) - K. Jeacle, Dublin, Ireland VERY VERY EXTENSIVE & VERY FAST. Available in over "20" Languages. Mortgage Calculator & Amortization Calculator "...Dynamically Calculate your mortgage payments..." Mortgage Calculator & Amortization Calculator INPUT Values include: "...Princpal; Years; Start Month; Start Year; Interest; Fixed Loan Data; Prepayment Data..." For more information see Karl Jeacle's Home Page MORTGAGE & AMORTIZATION CALCULATOR - BestRate, A division of Internet Brands, Inc. VERY EXTENSIVE. Mortgage & Amortization Calculator INPUT Values include: "...Principal Loan Balance; Annual Interest Rate Percentage; Amortiztion Length; Starting Month; Show Full Amortization Table; etc..." For more information see BestRate AMORTIZATION CALCULATOR - HSH Associates VERY EXTENSIVE. Amortization Calculator INPUT Values include "...Loan Term; Interest Rate; Loan Amount..." For more information see Calculators or HSH Associates CLOSING COST CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS CLOSING COST CALCULATOR - Avenue Settlement Corporation VERY VERY EXTENSIVE. Closing Cost Calculator "...provides an estimate and a checklist of your closing costs..." Closing Cost Calculator INPUT Values include "...Price of Property; Expected Mortgage Balance; Contract Deposit; Down Payment; Points/Loan Origination Fee; Assumption Fee; Credit Report Fee; Appraisal Fee; Recording, and Notary Fees; Title Insurance (ATA); Escrow Fee; Document Preparation Fee; Property Inspection Fees (Termite, Roof, etc.); Homeowners Association Transfer Fees; Attorney's Fees; Property and Hazard Insurance; Property Tax; Interest Pro-ration; Private Mortgage Insurance; Pro-Rated First Month Payment; etc..." For more information see Mortgage Loanpage REVERSE MORTGAGE CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS REVERSE MORTGAGE CALCULATOR - AARP VERY EXTENSIVE. Reverse Mortgage "...Must be at least 62 years old for the Reverse Mortgage Calculator to work..." Reverse Mortgage Calculator "...provides approximate estimates for two nationally available reverse mortgage programs. These estimates do not reflect local cost variables, are not an offer to make you a loan, do not qualify you to obtain a loan, and are not an official loan disclosure..." For more information see AARP Webplace & Reverse Mortgages Home Page SECOND HOME AFTER TAX COSTS CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS SECOND HOME CALCULATOR - CNN America, Inc., a Time Warner Company Second Home Calculator "...estimates the after-tax cost of owning a second home for personal use..." Second Home Calculator INPUT Values include "...Annual mortgage payments; Annual real estate taxes; Insurance; Utilities; Cleaning; Landscaping; Repairs; Annual mortgage interest; Your highest federal income tax rate; etc..." For more information see Calculators or CNNmoney

MORTGAGE CALCULATORS, APPLETS, ANIMATIONS & SIMULATIONS - ALL INCLUSIVE HOMEOWNERSHIP CALCULATORS & WORKSHEETS FREDDIE MAC HOMEOWNERSHIP CALCULATORS, WORKSHEETS, CREDIT WORKSHEETS, ETC. - Freddie Mac VERY VERY VERY...EXTENSIVE. Freddie Mac "...makes housing more accessible and affordable for millions of families across America. How? We link homeowners and renters to the world's capital markets..." Freddie Mac Calculators include "...Rent vs. Buy Calculator; Tax Savings Calculator; How Much Can You Afford Calculator; How Much Can You Borrow Calculator; Fixed or Adjustable-Rate Calculator; Adjustable-Rate Mortgages Calculator; Fixed-Rate Mortgages Calculator; 15-year or 30-year Term Calculator; Down Payments Calculator; Closing Costs Calculator; Extra Payments Calculator; Paying Points Calculator; Mortgage Insurance Calculator; Refinancing Costs Calculator..." Freddie Mac Worksheets include "...Budget Worksheet; Appliance Cost Worksheet; Mortgage Worksheet; Prepayment Penalty Mortgages Worksheet; House Wants vs. Needs Worksheet; Neighborhood Wants vs. Needs Worksheet; Self Move Budget Worksheet; Mover Estimate Worksheet; Home Inventory Worksheet; Hiring a Contractor Worksheet; etc. For more information see Freddie Mac HUGH'S MORTGAGE AND FINANCIAL CALCULATORS - hughchou.org, H. Chou VERY VERY VERY...EXTENSIVE. Hugh's Mortgage and Financial Calculators include more than "40" Mortgage Calculators including: "...Pay off or Keep a loan Calculator; Blended Rate Calculator (Calculate the effective rate of multiple loans); Loan Payment Table Calculator; Conventional Loan with initial Interest Only Payments; Interest Only Loan with fixed Pre-Payment; Interest Only vs Amortized Loan Comparison; Loan Comparison/Refinancing Calculator; Rule of 78 Loan Calculator; Mortgage Calculator with Full Amortization Schedule with Prepayment; Prepayment Mortgage Reduction Calculator; etc..." For more information see Hugh Chou CONVERTIBLE BALLOON MORTGAGE CALCULATOR - hughchou.org, H. Chou Convertible Ballon Mortgage Calculator INPUT Values include: "...Principal Balance; Type of Convertible Ballon Mortgage Loan (3 year, 5/25, 6/24, 7/23, etc.); Initial Interest; etc..." For more information see Hugh's Mortgage and Financial Calculators or Hugh Chou MORTGAGE CALCULATOR - J. Federico Mortgage Calculator besides Initial INPUT Values includes: "...Additional Monthly Housing Costs; Target Monthly Payment; Do You Qualify For This Mortgage?; etc..." MORTGAGE CALCULATORS - M. Henderson, mortgageloan.com VERY VERY VERY...EXTENSIVE. Some examples from over "24" Mortgage Calculators include Interest Only Mortgage Calculator Interest Only Mortgage Calculator "...will help to determine what the amortization schedule will be for an interest only mortgage. The calculator will also help to determine how principal payments..." Amortization Calculator Amortization Calculator "...will allow you to enter the monthly mortgage payment to figure out or calculate the loan amount..." Blended Rate Mortgage Calculator Blended Rate Mortgage Calculator "...will help you to calculate the interest rate that you will really be paying by having a first and second mortgage. This calculator will also show you..." Mortgage APR Calculator Mortgage Payoff Calculator Mortgage Payoff Calculator "...will help you to calculate the amount of interest that you will save by paying your mortgage off early. This may be achieved by..." MORTGAGE CALCULATOR - - Money-Zine.com, Westfield, New Jersey VERY VERY VERY...EXTENSIVE. For more information see Calculators or Money-Zine Some examples From over "18" Mortgage Calculators include: Escrow Calculator Mortgage Points Calculator Mortgage APR Calculator Mortgage Tax Deduction Calculator MORTGAGE CALCULATORS - T. Meagher, Rebuz VERY VERY EXTENSIVE. Mortgage Calculators "...20 different calculators and current mortgage rates that allow the user to print their results to an Adobe PDF document for saving and sharing with others..." Mortgage Calculators include "...Mortgage Payment Calculator; Mortgage Interest Calculator; Mortgage Length Calculator; How much House can I Afford Calculator; Tax Benefits Calculators; Mortgage Refinancing Calculator; House Insurance; etc..." For more information see Rebuz MORTGAGE CALCULATORS - Quicken Loans Inc. VERY VERY EXTENSIVE. Mortgage Calculators "...Whether you're thinking about buying a new home, getting cash out of your house, or refinancing an existing mortgage, our interactive mortgage calculators will allow you to explore your mortgage options. Let our mortgage calculators help you make the all the right home financing decisions today..." Mortgage Calculators include Refinance Loan Finder Calculator Should You Refinance Your Mortgage Calculator; Home Value Calculator; Home Purchase Calculators; For more information see Quicken Loans MORTGAGE CALCULATORS (JAVA APPLETS) - CCH Financial Planning Toolkit, A WoltersKluwer Company VERY VERY EXTENSIVE. Includes over "20" Mortgage Calculators including: "...Bi-weekly Payment Calculator; Adjustable Rate Mortgage Payments Calculator; ARM vs. Fixed Rate Mortgage Calculator; Blended Rate Mortgage Calculator; Fixed Rate vs. Interest Only Mortgage Calculator; Fixed Rate Mortgage vs. LIBOR ARM Calculator; Mortgage Payoff Calculator; etc..." For more information see Financial Calculators or CCH Financial Planning Toolkit MORTGAGE CALCULATORS - B. Steel, LocalLende.info VERY EXTENSIVE. For more information see the Consumer Banking or LocalLende.info Some examples from over "7" Mortgage Calculators include Amortization Schedule Calculator Mortgage Refinance Calculator APR (Annual Percentage Rate) Calculator MORTGAGE CALCULATORS - HSH Associates VERY EXTENSIVE. Mortgage Calculators include "...Basic Loan Payment Calculator; Private Mortgage Insurance (PMI) Payment Calculator; Refinancing Calculator; Fast Amortization Calculator; PMI Calculator with Amortization Calculator; etc..." For more information see HSH Associates Mortgage Loans Online MORTGAGE LOANS FOR THE U.S. - ONLINE E-LOAN - E-LOAN Inc. VERY VERY VERY...EXTENSIVE. E-Loan "...Offers mortgages from over 60 lenders - entire transaction online and much more..." QUICKEN LOANS - Quicken Loans Inc. VERY VERY EXTENSIVE. Quickem Loans "...Your home loan options at a glance...Refinance Loans, Purchase Loans, Home Equity Loans..." "...We have over 2,700 passionate home loan experts dedicated to getting you into the home of your dreams..."

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