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Mortgage Calculator

VIEWS: 1 PAGES: 7

  • pg 1
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           Loan Amortization Schedule - Mortgage Calculator

            3333 S. Bannock st. Ste 810 Englewood CO 80110
                          (P)720.212.0792 - (F)303.302.2203
      Mortgage Information                                                    Balance at a Specified Year                                                    Fixed-Rate or ARM
          Loan Amount    $                           200                     Balance at Year …          5                                      Variable or Fixed Rate                         Fixed Rate

   Annual Interest Rate                            5.50%                                             Date             12/1/2013                Years Rate Remains Fixed                            3
  Term Length (in Years)                               15                                   Interest Paid                     $49                         Interest Rate Cap                  12.00%
            First Payment Date              1/1/2009                                       Principal Paid                     $49                Interest Rate Minimum                        4.00%
             Compound Period                   Monthly                   Outstanding Balance                                 $151      Periods Between Adjustments                                 12
           Payment Frequency                   Monthly                                                                                            Estimated Adjustment                        0.25%
[42]                Payment                    $1.63                                                                                           Highest Monthly Payment                   $              2.80
                                               .
           Extra Payments                                         250                                              No Extra Payments                 6.0%        Interest Rate History

                 Extra Payment         $              -                                                            Balance
                                                                                                                                                     4.0%
              Payment Interval                            1       200             Totals Assuming No Extra Payments
        Extra Annual Payment           $              -                                Total Payments                        $295                    2.0%
           Starting Payment #                             5       150                      Total Interest                     $95                                            Payment #
                                                                                                                                                     0.0%
         Total Extra Payments                0.00
                                                                                                                                                             0         50       100          150        200
                                                                  100
           Mortgage Summary
                Total Payments         $           294.57           50                                                                                       Tax Deduction
                  Total Interest       $            94.57                                                                                                          Tax Bracket                     25.00%
                                              15                     0                                                                                                                             4.125%
           Years Until Paid Off                                                                                                                     Effective Interest Rate
                                                                           2009




                                                                                                     2015




                                                                                                                              2021
                                                                                    2011

                                                                                              2013




                                                                                                            2017

                                                                                                                      2019




                                                                                                                                       2023
            Last Payment Date              12/1/2023                                                                                                Total Tax Returned                                  $24
       Interest Savings                              $0


Payment Schedule                                                                                                                                                               [42]
         Payment          Interest             Interest Payment    Extra Additional                                   Principal                                            Tax    Cumulative
No.         Date             Rate                  Due      Due Payments Payment                                          Paid                Balance Year            Returned Tax Returned
                                                                                                                                                $200.00
  1          1/1/2009        5.500%                   0.92         1.63                    0.00                                 0.71              199.29                       0.23                      0.23
  2          2/1/2009        5.500%                   0.91         1.63                    0.00                                 0.72              198.57                       0.23                      0.46
  3          3/1/2009        5.500%                   0.91         1.63                    0.00                                 0.72              197.85                       0.23                      0.69
  4          4/1/2009        5.500%                   0.91         1.63                    0.00                                 0.72              197.13                       0.23                      0.91
  5          5/1/2009        5.500%                   0.90         1.63                    0.00                                 0.73              196.40                       0.23                      1.14
  6          6/1/2009        5.500%                   0.90         1.63                    0.00                                 0.73              195.67                       0.23                      1.36
  7          7/1/2009        5.500%                   0.90         1.63                    0.00                                 0.73              194.94                       0.23                      1.59
  8          8/1/2009        5.500%                   0.89         1.63                    0.00                                 0.74              194.20                       0.22                      1.81
  9          9/1/2009        5.500%                   0.89         1.63                    0.00                                 0.74              193.46                       0.22                      2.03
 10         10/1/2009        5.500%                   0.89         1.63                    0.00                                 0.74              192.72                       0.22                      2.26
 11         11/1/2009        5.500%                   0.88         1.63                    0.00                                 0.75              191.97                       0.22                      2.48
 12         12/1/2009        5.500%                   0.88         1.63                    0.00                                 0.75              191.22     1                 0.22                      2.70
 13          1/1/2010        5.500%                   0.88         1.63                    0.00                                 0.75              190.47                       0.22                      2.92
 14          2/1/2010        5.500%                   0.87         1.63                    0.00                                 0.76              189.71                       0.22                      3.13
 15          3/1/2010        5.500%                   0.87         1.63                    0.00                                 0.76              188.95                       0.22                      3.35
 16          4/1/2010        5.500%                   0.87         1.63                    0.00                                 0.76              188.19                       0.22                      3.57
 17          5/1/2010        5.500%                   0.86         1.63                    0.00                                 0.77              187.42                       0.22                      3.78
 18          6/1/2010        5.500%                   0.86         1.63                    0.00                                 0.77              186.65                       0.22                      4.00
 19          7/1/2010        5.500%                   0.86         1.63                    0.00                                 0.77              185.88                       0.22                      4.21
 20          8/1/2010        5.500%                   0.85         1.63                    0.00                                 0.78              185.10                       0.21                      4.43
 21          9/1/2010        5.500%                   0.85         1.63                    0.00                                 0.78              184.32                       0.21                      4.64
 22         10/1/2010        5.500%                   0.84         1.63                    0.00                                 0.79              183.53                       0.21                      4.85
 23         11/1/2010        5.500%                   0.84         1.63                    0.00                                 0.79              182.74                       0.21                      5.06
 24         12/1/2010        5.500%                   0.84         1.63                    0.00                                 0.79              181.95     2                 0.21                      5.27
 25          1/1/2011        5.500%                   0.83         1.63                    0.00                                 0.80              181.15                       0.21                      5.48
 26          2/1/2011        5.500%                   0.83         1.63                    0.00                                 0.80              180.35                       0.21                      5.68




       http://www.vertex42.com/Calculators/home-mortgage-calculator.html                                                                                                      © 2007 Vertex42 LLC
                                                                                                                             Page 2 of 7

        Payment          Interest             Interest Payment    Extra Additional   Principal                        Tax   Cumulative
No.        Date             Rate                  Due      Due Payments Payment          Paid    Balance Year    Returned Tax Returned
27          3/1/2011        5.500%                  0.83          1.63    0.00            0.80      179.55            0.21             5.89
28          4/1/2011        5.500%                  0.82          1.63    0.00            0.81      178.74            0.21             6.10
29          5/1/2011        5.500%                  0.82          1.63    0.00            0.81      177.93            0.21             6.30
30          6/1/2011        5.500%                  0.82          1.63    0.00            0.81      177.12            0.21             6.51
31          7/1/2011        5.500%                  0.81          1.63    0.00            0.82      176.30            0.20             6.71
32          8/1/2011        5.500%                  0.81          1.63    0.00            0.82      175.48            0.20             6.91
33          9/1/2011        5.500%                  0.80          1.63    0.00            0.83      174.65            0.20             7.11
34         10/1/2011        5.500%                  0.80          1.63    0.00            0.83      173.82            0.20             7.31
35         11/1/2011        5.500%                  0.80          1.63    0.00            0.83      172.99            0.20             7.51
36         12/1/2011        5.500%                  0.79          1.63    0.00            0.84      172.15   3        0.20             7.71
37          1/1/2012        5.500%                  0.79          1.63    0.00            0.84      171.31            0.20             7.91
38          2/1/2012        5.500%                  0.79          1.63    0.00            0.84      170.47            0.20             8.10
39          3/1/2012        5.500%                  0.78          1.63    0.00            0.85      169.62            0.20             8.30
40          4/1/2012        5.500%                  0.78          1.63    0.00            0.85      168.77            0.20             8.49
41          5/1/2012        5.500%                  0.77          1.63    0.00            0.86      167.91            0.19             8.69
42          6/1/2012        5.500%                  0.77          1.63    0.00            0.86      167.05            0.19             8.88
43          7/1/2012        5.500%                  0.77          1.63    0.00            0.86      166.19            0.19             9.07
44          8/1/2012        5.500%                  0.76          1.63    0.00            0.87      165.32            0.19             9.26
45          9/1/2012        5.500%                  0.76          1.63    0.00            0.87      164.45            0.19             9.45
46         10/1/2012        5.500%                  0.75          1.63    0.00            0.88      163.57            0.19             9.64
47         11/1/2012        5.500%                  0.75          1.63    0.00            0.88      162.69            0.19             9.83
48         12/1/2012        5.500%                  0.75          1.63    0.00            0.88      161.81   4        0.19            10.01
49          1/1/2013        5.500%                  0.74          1.63    0.00            0.89      160.92            0.19            10.20
50          2/1/2013        5.500%                  0.74          1.63    0.00            0.89      160.03            0.19            10.38
51          3/1/2013        5.500%                  0.73          1.63    0.00            0.90      159.13            0.18            10.57
52          4/1/2013        5.500%                  0.73          1.63    0.00            0.90      158.23            0.18            10.75
53          5/1/2013        5.500%                  0.73          1.63    0.00            0.90      157.33            0.18            10.93
54          6/1/2013        5.500%                  0.72          1.63    0.00            0.91      156.42            0.18            11.11
55          7/1/2013        5.500%                  0.72          1.63    0.00            0.91      155.51            0.18            11.29
56          8/1/2013        5.500%                  0.71          1.63    0.00            0.92      154.59            0.18            11.47
57          9/1/2013        5.500%                  0.71          1.63    0.00            0.92      153.67            0.18            11.65
58         10/1/2013        5.500%                  0.70          1.63    0.00            0.93      152.74            0.18            11.82
59         11/1/2013        5.500%                  0.70          1.63    0.00            0.93      151.81            0.18            12.00
60         12/1/2013        5.500%                  0.70          1.63    0.00            0.93      150.88   5        0.18            12.17
61          1/1/2014        5.500%                  0.69          1.63    0.00            0.94      149.94            0.17            12.34
62          2/1/2014        5.500%                  0.69          1.63    0.00            0.94      149.00            0.17            12.52
63          3/1/2014        5.500%                  0.68          1.63    0.00            0.95      148.05            0.17            12.69
64          4/1/2014        5.500%                  0.68          1.63    0.00            0.95      147.10            0.17            12.86
65          5/1/2014        5.500%                  0.67          1.63    0.00            0.96      146.14            0.17            13.02
66          6/1/2014        5.500%                  0.67          1.63    0.00            0.96      145.18            0.17            13.19
67          7/1/2014        5.500%                  0.67          1.63    0.00            0.96      144.22            0.17            13.36
68          8/1/2014        5.500%                  0.66          1.63    0.00            0.97      143.25            0.17            13.52
69          9/1/2014        5.500%                  0.66          1.63    0.00            0.97      142.28            0.17            13.69
70         10/1/2014        5.500%                  0.65          1.63    0.00            0.98      141.30            0.16            13.85
71         11/1/2014        5.500%                  0.65          1.63    0.00            0.98      140.32            0.16            14.01
72         12/1/2014        5.500%                  0.64          1.63    0.00            0.99      139.33   6        0.16            14.17
73          1/1/2015        5.500%                  0.64          1.63    0.00            0.99      138.34            0.16            14.33
74          2/1/2015        5.500%                  0.63          1.63    0.00            1.00      137.34            0.16            14.49
75          3/1/2015        5.500%                  0.63          1.63    0.00            1.00      136.34            0.16            14.65
76          4/1/2015        5.500%                  0.62          1.63    0.00            1.01      135.33            0.16            14.80
77          5/1/2015        5.500%                  0.62          1.63    0.00            1.01      134.32            0.16            14.96
78          6/1/2015        5.500%                  0.62          1.63    0.00            1.01      133.31            0.16            15.11
79          7/1/2015        5.500%                  0.61          1.63    0.00            1.02      132.29            0.15            15.27
80          8/1/2015        5.500%                  0.61          1.63    0.00            1.02      131.27            0.15            15.42
81          9/1/2015        5.500%                  0.60          1.63    0.00            1.03      130.24            0.15            15.57
82         10/1/2015        5.500%                  0.60          1.63    0.00            1.03      129.21            0.15            15.72
83         11/1/2015        5.500%                  0.59          1.63    0.00            1.04      128.17            0.15            15.87
84         12/1/2015        5.500%                  0.59          1.63    0.00            1.04      127.13   7        0.15            16.01
85          1/1/2016        5.500%                  0.58          1.63    0.00            1.05      126.08            0.15            16.16
86          2/1/2016        5.500%                  0.58          1.63    0.00            1.05      125.03            0.15            16.30
87          3/1/2016        5.500%                  0.57          1.63    0.00            1.06      123.97            0.14            16.45
88          4/1/2016        5.500%                  0.57          1.63    0.00            1.06      122.91            0.14            16.59
89          5/1/2016        5.500%                  0.56          1.63    0.00            1.07      121.84            0.14            16.73
90          6/1/2016        5.500%                  0.56          1.63    0.00            1.07      120.77            0.14            16.87
91          7/1/2016        5.500%                  0.55          1.63    0.00            1.08      119.69            0.14            17.01
92          8/1/2016        5.500%                  0.55          1.63    0.00            1.08      118.61            0.14            17.14




      http://www.vertex42.com/Calculators/home-mortgage-calculator.html                                              © 2007 Vertex42 LLC
                                                                                                                              Page 3 of 7

        Payment          Interest             Interest Payment    Extra Additional   Principal                         Tax   Cumulative
No.        Date             Rate                  Due      Due Payments Payment          Paid    Balance Year     Returned Tax Returned
93          9/1/2016        5.500%                  0.54          1.63    0.00            1.09      117.52             0.14            17.28
94         10/1/2016        5.500%                  0.54          1.63    0.00            1.09      116.43             0.14            17.41
95         11/1/2016        5.500%                  0.53          1.63    0.00            1.10      115.33             0.13            17.55
96         12/1/2016        5.500%                  0.53          1.63    0.00            1.10      114.23   8         0.13            17.68
97          1/1/2017        5.500%                  0.52          1.63    0.00            1.11      113.12             0.13            17.81
98          2/1/2017        5.500%                  0.52          1.63    0.00            1.11      112.01             0.13            17.94
99          3/1/2017        5.500%                  0.51          1.63    0.00            1.12      110.89             0.13            18.07
100         4/1/2017        5.500%                  0.51          1.63    0.00            1.12      109.77             0.13            18.19
101         5/1/2017        5.500%                  0.50          1.63    0.00            1.13      108.64             0.13            18.32
102         6/1/2017        5.500%                  0.50          1.63    0.00            1.13      107.51             0.13            18.44
103         7/1/2017        5.500%                  0.49          1.63    0.00            1.14      106.37             0.12            18.57
104         8/1/2017        5.500%                  0.49          1.63    0.00            1.14      105.23             0.12            18.69
105         9/1/2017        5.500%                  0.48          1.63    0.00            1.15      104.08             0.12            18.81
106        10/1/2017        5.500%                  0.48          1.63    0.00            1.15      102.93             0.12            18.93
107        11/1/2017        5.500%                  0.47          1.63    0.00            1.16      101.77             0.12            19.05
108        12/1/2017        5.500%                  0.47          1.63    0.00            1.16      100.61   9         0.12            19.16
109         1/1/2018        5.500%                  0.46          1.63    0.00            1.17       99.44             0.12            19.28
110         2/1/2018        5.500%                  0.46          1.63    0.00            1.17       98.27             0.12            19.39
111         3/1/2018        5.500%                  0.45          1.63    0.00            1.18       97.09             0.11            19.51
112         4/1/2018        5.500%                  0.44          1.63    0.00            1.19       95.90             0.11            19.62
113         5/1/2018        5.500%                  0.44          1.63    0.00            1.19       94.71             0.11            19.73
114         6/1/2018        5.500%                  0.43          1.63    0.00            1.20       93.51             0.11            19.83
115         7/1/2018        5.500%                  0.43          1.63    0.00            1.20       92.31             0.11            19.94
116         8/1/2018        5.500%                  0.42          1.63    0.00            1.21       91.10             0.11            20.05
117         9/1/2018        5.500%                  0.42          1.63    0.00            1.21       89.89             0.11            20.15
118        10/1/2018        5.500%                  0.41          1.63    0.00            1.22       88.67             0.10            20.25
119        11/1/2018        5.500%                  0.41          1.63    0.00            1.22       87.45             0.10            20.36
120        12/1/2018        5.500%                  0.40          1.63    0.00            1.23       86.22   10        0.10            20.46
121         1/1/2019        5.500%                  0.40          1.63    0.00            1.23       84.99             0.10            20.56
122         2/1/2019        5.500%                  0.39          1.63    0.00            1.24       83.75             0.10            20.65
123         3/1/2019        5.500%                  0.38          1.63    0.00            1.25       82.50             0.10            20.75
124         4/1/2019        5.500%                  0.38          1.63    0.00            1.25       81.25             0.10            20.84
125         5/1/2019        5.500%                  0.37          1.63    0.00            1.26       79.99             0.09            20.94
126         6/1/2019        5.500%                  0.37          1.63    0.00            1.26       78.73             0.09            21.03
127         7/1/2019        5.500%                  0.36          1.63    0.00            1.27       77.46             0.09            21.12
128         8/1/2019        5.500%                  0.36          1.63    0.00            1.27       76.19             0.09            21.21
129         9/1/2019        5.500%                  0.35          1.63    0.00            1.28       74.91             0.09            21.30
130        10/1/2019        5.500%                  0.34          1.63    0.00            1.29       73.62             0.09            21.38
131        11/1/2019        5.500%                  0.34          1.63    0.00            1.29       72.33             0.09            21.47
132        12/1/2019        5.500%                  0.33          1.63    0.00            1.30       71.03   11        0.08            21.55
133         1/1/2020        5.500%                  0.33          1.63    0.00            1.30       69.73             0.08            21.63
134         2/1/2020        5.500%                  0.32          1.63    0.00            1.31       68.42             0.08            21.71
135         3/1/2020        5.500%                  0.31          1.63    0.00            1.32       67.10             0.08            21.79
136         4/1/2020        5.500%                  0.31          1.63    0.00            1.32       65.78             0.08            21.87
137         5/1/2020        5.500%                  0.30          1.63    0.00            1.33       64.45             0.08            21.94
138         6/1/2020        5.500%                  0.30          1.63    0.00            1.33       63.12             0.08            22.02
139         7/1/2020        5.500%                  0.29          1.63    0.00            1.34       61.78             0.07            22.09
140         8/1/2020        5.500%                  0.28          1.63    0.00            1.35       60.43             0.07            22.16
141         9/1/2020        5.500%                  0.28          1.63    0.00            1.35       59.08             0.07            22.23
142        10/1/2020        5.500%                  0.27          1.63    0.00            1.36       57.72             0.07            22.30
143        11/1/2020        5.500%                  0.26          1.63    0.00            1.37       56.35             0.07            22.36
144        12/1/2020        5.500%                  0.26          1.63    0.00            1.37       54.98   12        0.07            22.43
145         1/1/2021        5.500%                  0.25          1.63    0.00            1.38       53.60             0.06            22.49
146         2/1/2021        5.500%                  0.25          1.63    0.00            1.38       52.22             0.06            22.55
147         3/1/2021        5.500%                  0.24          1.63    0.00            1.39       50.83             0.06            22.61
148         4/1/2021        5.500%                  0.23          1.63    0.00            1.40       49.43             0.06            22.67
149         5/1/2021        5.500%                  0.23          1.63    0.00            1.40       48.03             0.06            22.73
150         6/1/2021        5.500%                  0.22          1.63    0.00            1.41       46.62             0.06            22.78
151         7/1/2021        5.500%                  0.21          1.63    0.00            1.42       45.20             0.05            22.83
152         8/1/2021        5.500%                  0.21          1.63    0.00            1.42       43.78             0.05            22.89
153         9/1/2021        5.500%                  0.20          1.63    0.00            1.43       42.35             0.05            22.94
154        10/1/2021        5.500%                  0.19          1.63    0.00            1.44       40.91             0.05            22.98
155        11/1/2021        5.500%                  0.19          1.63    0.00            1.44       39.47             0.05            23.03
156        12/1/2021        5.500%                  0.18          1.63    0.00            1.45       38.02   13        0.05            23.08
157         1/1/2022        5.500%                  0.17          1.63    0.00            1.46       36.56             0.04            23.12
158         2/1/2022        5.500%                  0.17          1.63    0.00            1.46       35.10             0.04            23.16




      http://www.vertex42.com/Calculators/home-mortgage-calculator.html                                               © 2007 Vertex42 LLC
                                                                                                                              Page 4 of 7

        Payment          Interest             Interest Payment    Extra Additional   Principal                         Tax   Cumulative
No.        Date             Rate                  Due      Due Payments Payment          Paid    Balance Year     Returned Tax Returned
159         3/1/2022        5.500%                  0.16          1.63    0.00            1.47       33.63             0.04            23.20
160         4/1/2022        5.500%                  0.15          1.63    0.00            1.48       32.15             0.04            23.24
161         5/1/2022        5.500%                  0.15          1.63    0.00            1.48       30.67             0.04            23.28
162         6/1/2022        5.500%                  0.14          1.63    0.00            1.49       29.18             0.04            23.31
163         7/1/2022        5.500%                  0.13          1.63    0.00            1.50       27.68             0.03            23.34
164         8/1/2022        5.500%                  0.13          1.63    0.00            1.50       26.18             0.03            23.38
165         9/1/2022        5.500%                  0.12          1.63    0.00            1.51       24.67             0.03            23.41
166        10/1/2022        5.500%                  0.11          1.63    0.00            1.52       23.15             0.03            23.43
167        11/1/2022        5.500%                  0.11          1.63    0.00            1.52       21.63             0.03            23.46
168        12/1/2022        5.500%                  0.10          1.63    0.00            1.53       20.10   14        0.03            23.49
169         1/1/2023        5.500%                  0.09          1.63    0.00            1.54       18.56             0.02            23.51
170         2/1/2023        5.500%                  0.09          1.63    0.00            1.54       17.02             0.02            23.53
171         3/1/2023        5.500%                  0.08          1.63    0.00            1.55       15.47             0.02            23.55
172         4/1/2023        5.500%                  0.07          1.63    0.00            1.56       13.91             0.02            23.57
173         5/1/2023        5.500%                  0.06          1.63    0.00            1.57       12.34             0.02            23.58
174         6/1/2023        5.500%                  0.06          1.63    0.00            1.57       10.77             0.02            23.60
175         7/1/2023        5.500%                  0.05          1.63    0.00            1.58        9.19             0.01            23.61
176         8/1/2023        5.500%                  0.04          1.63    0.00            1.59        7.60             0.01            23.62
177         9/1/2023        5.500%                  0.03          1.63    0.00            1.60        6.00             0.01            23.63
178        10/1/2023        5.500%                  0.03          1.63    0.00            1.60        4.40             0.01            23.64
179        11/1/2023        5.500%                  0.02          1.63    0.00            1.61        2.79             0.01            23.64
180        12/1/2023        5.500%                  0.01          2.80    0.00            2.79        0.00   15        0.00            23.64




      http://www.vertex42.com/Calculators/home-mortgage-calculator.html                                               © 2007 Vertex42 LLC
                                                                                                                          Page 5 of 7

        Payment          Interest             Interest Payment    Extra Additional   Principal                       Tax   Cumulative
No.        Date             Rate                  Due      Due Payments Payment          Paid    Balance Year   Returned Tax Returned




      http://www.vertex42.com/Calculators/home-mortgage-calculator.html                                             © 2007 Vertex42 LLC
                                                                                                                          Page 6 of 7

        Payment          Interest             Interest Payment    Extra Additional   Principal                       Tax   Cumulative
No.        Date             Rate                  Due      Due Payments Payment          Paid    Balance Year   Returned Tax Returned




      http://www.vertex42.com/Calculators/home-mortgage-calculator.html                                             © 2007 Vertex42 LLC
                                                                                                                          Page 7 of 7

        Payment          Interest             Interest Payment    Extra Additional   Principal                       Tax   Cumulative
No.        Date             Rate                  Due      Due Payments Payment          Paid    Balance Year   Returned Tax Returned




      http://www.vertex42.com/Calculators/home-mortgage-calculator.html                                             © 2007 Vertex42 LLC

								
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