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RealEstateEvaluator

VIEWS: 4 PAGES: 9

									Mike Babigian's Real Estate Boom/Bust Evaluator
                                                 Front-End Ratio      28.0%
Median household or median family income for area being analyzed     52,504
                                Current 30 Year Mortgage Rates        5.50%
                                       Local Property Tax Rate        1.10%
            Low Range: Home Value Versus Median Price Factor           1.48
            Best Guess: Home Value Versus Median Price Factor          1.51
            High Range: Home Value Versus Median Price Factor          1.57
  Average Homeowners/flood Insurance costs as % of home value         0.60%
                               Average Impact of PMI Insurance        0.32%
                             Average down payment Percentage          10.0%
                           Monthly Payments Allowed by Income      1,225.09

                                     Monthly Mortgage Payment        944.94
                                  Monthly Property Tax Payment       152.56
                       Monthly Home Owners Insurance Payment          83.21
                                    Monthly PMI Insurance Cost        44.38
                              Total Monthly Payments For Home      1,225.09

                        Home value less average down payment       166,425
                      Suggested Median Home Value For Area         184,917

                         Low Range: Evaluated Property Price       273,677
                         Best Guess: Evaluated Property Price      279,225
                         High Range: Evaluated Property Price      290,320
                                      2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls

Amortization Table
Initial Data
LOAN DATA                                                      TABLE DATA
                Loan amount:        $166,425.24                         Table starts at date:
         Annual interest rate:   5.50%                               or at payment number: 1
               Term in years:    30
         Payments per year:      12
          First payment due:     2/4/2011
PERIODIC PAYMENT
          Entered payment:                         The table uses the calculated periodic payment amount,
        Calculated payment:            $944.94      unless you enter a value for "Entered payment."
CALCULATIONS
          Use payment of:              $944.94             Beginning balance at payment 1:        $166,425.24
      1st payment in table: 1                          Cumulative interest prior to payment 1:          $0.00


Table
           Payment                 Beginning                                      Ending         Cumulative
No.           Date                  Balance       Interest        Principal       Balance          Interest
 1          2/4/2011               166,425.24      762.78          182.16        166,243.07         762.78
 2          3/4/2011               166,243.07      761.95          183.00        166,060.08        1,524.73
 3          4/4/2011               166,060.08      761.11          183.84        165,876.24        2,285.84
 4          5/4/2011               165,876.24      760.27          184.68        165,691.56        3,046.10
 5          6/4/2011               165,691.56      759.42          185.52        165,506.04        3,805.52
 6          7/4/2011               165,506.04      758.57          186.37        165,319.66        4,564.09
 7          8/4/2011               165,319.66      757.72          187.23        165,132.44        5,321.81
 8          9/4/2011               165,132.44      756.86          188.09        164,944.35        6,078.67
 9         10/4/2011               164,944.35      755.99          188.95        164,755.40        6,834.66
10         11/4/2011               164,755.40      755.13          189.82        164,565.58        7,589.79
11         12/4/2011               164,565.58      754.26          190.69        164,374.90        8,344.05
12          1/4/2012               164,374.90      753.38          191.56        164,183.34        9,097.43
13          2/4/2012               164,183.34      752.51          192.44        163,990.90        9,849.94
14          3/4/2012               163,990.90      751.62          193.32        163,797.58       10,601.57
15          4/4/2012               163,797.58      750.74          194.21        163,603.38       11,352.30
16          5/4/2012               163,603.38      749.85          195.10        163,408.28       12,102.15
17          6/4/2012               163,408.28      748.95          195.99        163,212.29       12,851.11
18          7/4/2012               163,212.29      748.06          196.89        163,015.40       13,599.16
19          8/4/2012               163,015.40      747.15          197.79        162,817.61       14,346.32
20          9/4/2012               162,817.61      746.25          198.70        162,618.92       15,092.57
21         10/4/2012               162,618.92      745.34          199.61        162,419.31       15,837.90
22         11/4/2012               162,419.31      744.42          200.52        162,218.79       16,582.32
23         12/4/2012               162,218.79      743.50          201.44        162,017.35       17,325.83
24          1/4/2013               162,017.35      742.58          202.36        161,814.98       18,068.41




                                                      Page 2
                     2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls
      Payment     Beginning                                 Ending      Cumulative
No.      Date      Balance       Interest      Principal    Balance       Interest
25     2/4/2013   161,814.98      741.65        203.29     161,611.69    18,810.06
26     3/4/2013   161,611.69      740.72        204.22     161,407.47    19,550.78
27     4/4/2013   161,407.47      739.78        205.16     161,202.31    20,290.56
28     5/4/2013   161,202.31      738.84        206.10     160,996.21    21,029.41
29     6/4/2013   160,996.21      737.90        207.04     160,789.16    21,767.31
30     7/4/2013   160,789.16      736.95        207.99     160,581.17    22,504.26
31     8/4/2013   160,581.17      736.00        208.95     160,372.22    23,240.25
32     9/4/2013   160,372.22      735.04        209.90     160,162.31    23,975.29
33    10/4/2013   160,162.31      734.08        210.87     159,951.45    24,709.37
34    11/4/2013   159,951.45      733.11        211.83     159,739.61    25,442.48
35    12/4/2013   159,739.61      732.14        212.80     159,526.81    26,174.62
36     1/4/2014   159,526.81      731.16        213.78     159,313.03    26,905.79
37     2/4/2014   159,313.03      730.18        214.76     159,098.27    27,635.97
38     3/4/2014   159,098.27      729.20        215.74     158,882.53    28,365.17
39     4/4/2014   158,882.53      728.21        216.73     158,665.79    29,093.38
40     5/4/2014   158,665.79      727.22        217.73     158,448.07    29,820.60
41     6/4/2014   158,448.07      726.22        218.72     158,229.34    30,546.82
42     7/4/2014   158,229.34      725.22        219.73     158,009.62    31,272.04
43     8/4/2014   158,009.62      724.21        220.73     157,788.88    31,996.25
44     9/4/2014   157,788.88      723.20        221.75     157,567.14    32,719.45
45    10/4/2014   157,567.14      722.18        222.76     157,344.38    33,441.63
46    11/4/2014   157,344.38      721.16        223.78     157,120.60    34,162.79
47    12/4/2014   157,120.60      720.14        224.81     156,895.79    34,882.93
48     1/4/2015   156,895.79      719.11        225.84     156,669.95    35,602.03
49     2/4/2015   156,669.95      718.07        226.87     156,443.08    36,320.10
50     3/4/2015   156,443.08      717.03        227.91     156,215.16    37,037.14
51     4/4/2015   156,215.16      715.99        228.96     155,986.20    37,753.12
52     5/4/2015   155,986.20      714.94        230.01     155,756.20    38,468.06
53     6/4/2015   155,756.20      713.88        231.06     155,525.14    39,181.94
54     7/4/2015   155,525.14      712.82        232.12     155,293.01    39,894.76
55     8/4/2015   155,293.01      711.76        233.18     155,059.83    40,606.52
56     9/4/2015   155,059.83      710.69        234.25     154,825.58    41,317.22
57    10/4/2015   154,825.58      709.62        235.33     154,590.25    42,026.83
58    11/4/2015   154,590.25      708.54        236.41     154,353.84    42,735.37
59    12/4/2015   154,353.84      707.46        237.49     154,116.36    43,442.83
60     1/4/2016   154,116.36      706.37        238.58     153,877.78    44,149.19
61     2/4/2016   153,877.78      705.27        239.67     153,638.11    44,854.47
62     3/4/2016   153,638.11      704.17        240.77     153,397.34    45,558.64
63     4/4/2016   153,397.34      703.07        241.87     153,155.46    46,261.71
64     5/4/2016   153,155.46      701.96        242.98     152,912.48    46,963.67
65     6/4/2016   152,912.48      700.85        244.10     152,668.39    47,664.52
66     7/4/2016   152,668.39      699.73        245.21     152,423.17    48,364.25
67     8/4/2016   152,423.17      698.61        246.34     152,176.84    49,062.86
68     9/4/2016   152,176.84      697.48        247.47     151,929.37    49,760.34
69    10/4/2016   151,929.37      696.34        248.60     151,680.77    50,456.68
70    11/4/2016   151,680.77      695.20        249.74     151,431.03    51,151.88
71    12/4/2016   151,431.03      694.06        250.89     151,180.14    51,845.94
72     1/4/2017   151,180.14      692.91        252.04     150,928.11    52,538.85
73     2/4/2017   150,928.11      691.75        253.19     150,674.92    53,230.60
74     3/4/2017   150,674.92      690.59        254.35     150,420.56    53,921.20
75     4/4/2017   150,420.56      689.43        255.52     150,165.05    54,610.63
76     5/4/2017   150,165.05      688.26        256.69     149,908.36    55,298.88
77     6/4/2017   149,908.36      687.08        257.86     149,650.50    55,985.96
78     7/4/2017   149,650.50      685.90        259.05     149,391.45    56,671.86
79     8/4/2017   149,391.45      684.71        260.23     149,131.22    57,356.57
80     9/4/2017   149,131.22      683.52        261.43     148,869.79    58,040.09

                                     Page 3
                     2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls
      Payment     Beginning                                 Ending      Cumulative
No.      Date      Balance       Interest      Principal    Balance       Interest
 81   10/4/2017   148,869.79      682.32        262.62     148,607.17    58,722.41
 82   11/4/2017   148,607.17      681.12        263.83     148,343.34    59,403.53
 83   12/4/2017   148,343.34      679.91        265.04     148,078.30    60,083.43
 84    1/4/2018   148,078.30      678.69        266.25     147,812.05    60,762.12
 85    2/4/2018   147,812.05      677.47        267.47     147,544.58    61,439.60
 86    3/4/2018   147,544.58      676.25        268.70     147,275.88    62,115.84
 87    4/4/2018   147,275.88      675.01        269.93     147,005.95    62,790.86
 88    5/4/2018   147,005.95      673.78        271.17     146,734.78    63,464.63
 89    6/4/2018   146,734.78      672.53        272.41     146,462.37    64,137.17
 90    7/4/2018   146,462.37      671.29        273.66     146,188.71    64,808.45
 91    8/4/2018   146,188.71      670.03        274.91     145,913.80    65,478.49
 92    9/4/2018   145,913.80      668.77        276.17     145,637.63    66,147.26
 93   10/4/2018   145,637.63      667.51        277.44     145,360.19    66,814.76
 94   11/4/2018   145,360.19      666.23        278.71     145,081.48    67,481.00
 95   12/4/2018   145,081.48      664.96        279.99     144,801.49    68,145.95
 96    1/4/2019   144,801.49      663.67        281.27     144,520.22    68,809.63
 97    2/4/2019   144,520.22      662.38        282.56     144,237.66    69,472.01
 98    3/4/2019   144,237.66      661.09        283.85     143,953.81    70,133.10
 99    4/4/2019   143,953.81      659.79        285.16     143,668.65    70,792.89
100    5/4/2019   143,668.65      658.48        286.46     143,382.19    71,451.37
101    6/4/2019   143,382.19      657.17        287.78     143,094.41    72,108.54
102    7/4/2019   143,094.41      655.85        289.09     142,805.32    72,764.39
103    8/4/2019   142,805.32      654.52        290.42     142,514.90    73,418.91
104    9/4/2019   142,514.90      653.19        291.75     142,223.15    74,072.11
105   10/4/2019   142,223.15      651.86        293.09     141,930.06    74,723.96
106   11/4/2019   141,930.06      650.51        294.43     141,635.63    75,374.48
107   12/4/2019   141,635.63      649.16        295.78     141,339.85    76,023.64
108    1/4/2020   141,339.85      647.81        297.14     141,042.71    76,671.45
109    2/4/2020   141,042.71      646.45        298.50     140,744.21    77,317.89
110    3/4/2020   140,744.21      645.08        299.87     140,444.35    77,962.97
111    4/4/2020   140,444.35      643.70        301.24     140,143.10    78,606.67
112    5/4/2020   140,143.10      642.32        302.62     139,840.48    79,249.00
113    6/4/2020   139,840.48      640.94        304.01     139,536.47    79,889.93
114    7/4/2020   139,536.47      639.54        305.40     139,231.07    80,529.47
115    8/4/2020   139,231.07      638.14        306.80     138,924.27    81,167.62
116    9/4/2020   138,924.27      636.74        308.21     138,616.06    81,804.35
117   10/4/2020   138,616.06      635.32        309.62     138,306.44    82,439.68
118   11/4/2020   138,306.44      633.90        311.04     137,995.40    83,073.58
119   12/4/2020   137,995.40      632.48        312.47     137,682.94    83,706.06
120    1/4/2021   137,682.94      631.05        313.90     137,369.04    84,337.11
121    2/4/2021   137,369.04      629.61        315.34     137,053.70    84,966.71
122    3/4/2021   137,053.70      628.16        316.78     136,736.92    85,594.88
123    4/4/2021   136,736.92      626.71        318.23     136,418.69    86,221.59
124    5/4/2021   136,418.69      625.25        319.69     136,099.00    86,846.84
125    6/4/2021   136,099.00      623.79        321.16     135,777.84    87,470.63
126    7/4/2021   135,777.84      622.32        322.63     135,455.21    88,092.94
127    8/4/2021   135,455.21      620.84        324.11     135,131.10    88,713.78
128    9/4/2021   135,131.10      619.35        325.59     134,805.51    89,333.13
129   10/4/2021   134,805.51      617.86        327.09     134,478.42    89,950.99
130   11/4/2021   134,478.42      616.36        328.58     134,149.84    90,567.35
131   12/4/2021   134,149.84      614.85        330.09     133,819.75    91,182.20
132    1/4/2022   133,819.75      613.34        331.60     133,488.14    91,795.54
133    2/4/2022   133,488.14      611.82        333.12     133,155.02    92,407.36
134    3/4/2022   133,155.02      610.29        334.65     132,820.37    93,017.66
135    4/4/2022   132,820.37      608.76        336.18     132,484.19    93,626.42

                                     Page 4
                     2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls
      Payment     Beginning                                 Ending      Cumulative
No.      Date      Balance       Interest      Principal    Balance       Interest
136    5/4/2022   132,484.19      607.22        337.72     132,146.46    94,233.63
137    6/4/2022   132,146.46      605.67        339.27     131,807.19    94,839.31
138    7/4/2022   131,807.19      604.12        340.83     131,466.36    95,443.42
139    8/4/2022   131,466.36      602.55        342.39     131,123.97    96,045.98
140    9/4/2022   131,123.97      600.98        343.96     130,780.01    96,646.96
141   10/4/2022   130,780.01      599.41        345.54     130,434.48    97,246.37
142   11/4/2022   130,434.48      597.82        347.12     130,087.36    97,844.19
143   12/4/2022   130,087.36      596.23        348.71     129,738.65    98,440.43
144    1/4/2023   129,738.65      594.64        350.31     129,388.34    99,035.06
145    2/4/2023   129,388.34      593.03        351.91     129,036.42    99,628.09
146    3/4/2023   129,036.42      591.42        353.53     128,682.90   100,219.51
147    4/4/2023   128,682.90      589.80        355.15     128,327.75   100,809.31
148    5/4/2023   128,327.75      588.17        356.78     127,970.97   101,397.48
149    6/4/2023   127,970.97      586.53        358.41     127,612.56   101,984.01
150    7/4/2023   127,612.56      584.89        360.05     127,252.51   102,568.90
151    8/4/2023   127,252.51      583.24        361.70     126,890.81   103,152.14
152    9/4/2023   126,890.81      581.58        363.36     126,527.44   103,733.72
153   10/4/2023   126,527.44      579.92        365.03     126,162.42   104,313.64
154   11/4/2023   126,162.42      578.24        366.70     125,795.72   104,891.89
155   12/4/2023   125,795.72      576.56        368.38     125,427.34   105,468.45
156    1/4/2024   125,427.34      574.88        370.07     125,057.27   106,043.32
157    2/4/2024   125,057.27      573.18        371.77     124,685.50   106,616.50
158    3/4/2024   124,685.50      571.48        373.47     124,312.03   107,187.98
159    4/4/2024   124,312.03      569.76        375.18     123,936.85   107,757.74
160    5/4/2024   123,936.85      568.04        376.90     123,559.95   108,325.79
161    6/4/2024   123,559.95      566.32        378.63     123,181.33   108,892.10
162    7/4/2024   123,181.33      564.58        380.36     122,800.96   109,456.68
163    8/4/2024   122,800.96      562.84        382.11     122,418.86   110,019.52
164    9/4/2024   122,418.86      561.09        383.86     122,035.00   110,580.61
165   10/4/2024   122,035.00      559.33        385.62     121,649.38   111,139.94
166   11/4/2024   121,649.38      557.56        387.38     121,262.00   111,697.49
167   12/4/2024   121,262.00      555.78        389.16     120,872.84   112,253.28
168    1/4/2025   120,872.84      554.00        390.94     120,481.89   112,807.28
169    2/4/2025   120,481.89      552.21        392.74     120,089.16   113,359.49
170    3/4/2025   120,089.16      550.41        394.54     119,694.62   113,909.90
171    4/4/2025   119,694.62      548.60        396.34     119,298.28   114,458.50
172    5/4/2025   119,298.28      546.78        398.16     118,900.12   115,005.28
173    6/4/2025   118,900.12      544.96        399.99     118,500.13   115,550.24
174    7/4/2025   118,500.13      543.13        401.82     118,098.31   116,093.37
175    8/4/2025   118,098.31      541.28        403.66     117,694.65   116,634.65
176    9/4/2025   117,694.65      539.43        405.51     117,289.14   117,174.08
177   10/4/2025   117,289.14      537.58        407.37     116,881.77   117,711.66
178   11/4/2025   116,881.77      535.71        409.24     116,472.54   118,247.37
179   12/4/2025   116,472.54      533.83        411.11     116,061.43   118,781.20
180    1/4/2026   116,061.43      531.95        413.00     115,648.43   119,313.15
181    2/4/2026   115,648.43      530.06        414.89     115,233.54   119,843.20
182    3/4/2026   115,233.54      528.15        416.79     114,816.75   120,371.36
183    4/4/2026   114,816.75      526.24        418.70     114,398.05   120,897.60
184    5/4/2026   114,398.05      524.32        420.62     113,977.43   121,421.92
185    6/4/2026   113,977.43      522.40        422.55     113,554.88   121,944.32
186    7/4/2026   113,554.88      520.46        424.48     113,130.40   122,464.78
187    8/4/2026   113,130.40      518.51        426.43     112,703.97   122,983.29
188    9/4/2026   112,703.97      516.56        428.38     112,275.58   123,499.85

                                     Page 5
                     2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls
      Payment     Beginning                                  Ending     Cumulative
No.      Date       Balance      Interest      Principal     Balance     Interest
189   10/4/2026   112,275.58      514.60        430.35     111,845.24   124,014.45
190   11/4/2026   111,845.24      512.62        432.32     111,412.92   124,527.08
191   12/4/2026   111,412.92      510.64        434.30     110,978.61   125,037.72
192    1/4/2027   110,978.61      508.65        436.29     110,542.32   125,546.37
193    2/4/2027   110,542.32      506.65        438.29     110,104.03   126,053.02
194    3/4/2027   110,104.03      504.64        440.30     109,663.73   126,557.67
195    4/4/2027   109,663.73      502.63        442.32     109,221.41   127,060.29
196    5/4/2027   109,221.41      500.60        444.35     108,777.06   127,560.89
197    6/4/2027   108,777.06      498.56        446.38     108,330.68   128,059.45
198    7/4/2027   108,330.68      496.52        448.43     107,882.25   128,555.97
199    8/4/2027   107,882.25      494.46        450.48     107,431.77   129,050.43
200    9/4/2027   107,431.77      492.40        452.55     106,979.22   129,542.82
201   10/4/2027   106,979.22      490.32        454.62     106,524.60   130,033.14
202   11/4/2027   106,524.60      488.24        456.71     106,067.89   130,521.38
203   12/4/2027   106,067.89      486.14        458.80     105,609.09   131,007.53
204    1/4/2028   105,609.09      484.04        460.90     105,148.19   131,491.57
205    2/4/2028   105,148.19      481.93        463.01     104,685.17   131,973.50
206    3/4/2028   104,685.17      479.81        465.14     104,220.04   132,453.30
207    4/4/2028   104,220.04      477.68        467.27     103,752.77   132,930.98
208    5/4/2028   103,752.77      475.53        469.41     103,283.36   133,406.51
209    6/4/2028   103,283.36      473.38        471.56     102,811.80   133,879.89
210    7/4/2028   102,811.80      471.22        473.72     102,338.07   134,351.12
211    8/4/2028   102,338.07      469.05        475.89     101,862.18   134,820.16
212    9/4/2028   101,862.18      466.87        478.08     101,384.10   135,287.03
213   10/4/2028   101,384.10      464.68        480.27     100,903.83   135,751.71
214   11/4/2028   100,903.83      462.48        482.47     100,421.37   136,214.19
215   12/4/2028   100,421.37      460.26        484.68      99,936.69   136,674.45
216    1/4/2029    99,936.69      458.04        486.90      99,449.79   137,132.49
217    2/4/2029    99,449.79      455.81        489.13      98,960.65   137,588.31
218    3/4/2029    98,960.65      453.57        491.37      98,469.28   138,041.87
219    4/4/2029    98,469.28      451.32        493.63      97,975.65   138,493.19
220    5/4/2029    97,975.65      449.06        495.89      97,479.76   138,942.25
221    6/4/2029    97,479.76      446.78        498.16      96,981.60   139,389.03
222    7/4/2029    96,981.60      444.50        500.45      96,481.16   139,833.53
223    8/4/2029    96,481.16      442.21        502.74      95,978.42   140,275.73
224    9/4/2029    95,978.42      439.90        505.04      95,473.37   140,715.64
225   10/4/2029    95,473.37      437.59        507.36      94,966.02   141,153.22
226   11/4/2029    94,966.02      435.26        509.68      94,456.33   141,588.48
227   12/4/2029    94,456.33      432.92        512.02      93,944.31   142,021.41
228    1/4/2030    93,944.31      430.58        514.37      93,429.95   142,451.99
229    2/4/2030    93,429.95      428.22        516.72      92,913.22   142,880.21
230    3/4/2030    92,913.22      425.85        519.09      92,394.13   143,306.06
231    4/4/2030    92,394.13      423.47        521.47      91,872.66   143,729.53
232    5/4/2030    91,872.66      421.08        523.86      91,348.80   144,150.61
233    6/4/2030    91,348.80      418.68        526.26      90,822.54   144,569.30
234    7/4/2030    90,822.54      416.27        528.67      90,293.86   144,985.57
235    8/4/2030    90,293.86      413.85        531.10      89,762.77   145,399.41
236    9/4/2030    89,762.77      411.41        533.53      89,229.23   145,810.83
237   10/4/2030    89,229.23      408.97        535.98      88,693.26   146,219.79
238   11/4/2030    88,693.26      406.51        538.43      88,154.82   146,626.30
239   12/4/2030    88,154.82      404.04        540.90      87,613.92   147,030.35
240    1/4/2031    87,613.92      401.56        543.38      87,070.54   147,431.91
241    2/4/2031    87,070.54      399.07        545.87      86,524.67   147,830.98

                                     Page 6
                     2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls
      Payment     Beginning                                  Ending     Cumulative
No.      Date      Balance       Interest      Principal     Balance     Interest
242    3/4/2031   86,524.67       396.57        548.37      85,976.30   148,227.56
243    4/4/2031   85,976.30       394.06        550.89      85,425.41   148,621.61
244    5/4/2031   85,425.41       391.53        553.41      84,872.00   149,013.15
245    6/4/2031   84,872.00       389.00        555.95      84,316.05   149,402.14
246    7/4/2031   84,316.05       386.45        558.50      83,757.56   149,788.59
247    8/4/2031   83,757.56       383.89        561.06      83,196.50   150,172.48
248    9/4/2031   83,196.50       381.32        563.63      82,632.88   150,553.80
249   10/4/2031   82,632.88       378.73        566.21      82,066.67   150,932.53
250   11/4/2031   82,066.67       376.14        568.81      81,497.86   151,308.67
251   12/4/2031   81,497.86       373.53        571.41      80,926.45   151,682.20
252    1/4/2032   80,926.45       370.91        574.03      80,352.42   152,053.12
253    2/4/2032   80,352.42       368.28        576.66      79,775.75   152,421.40
254    3/4/2032   79,775.75       365.64        579.31      79,196.45   152,787.04
255    4/4/2032   79,196.45       362.98        581.96      78,614.49   153,150.02
256    5/4/2032   78,614.49       360.32        584.63      78,029.86   153,510.34
257    6/4/2032   78,029.86       357.64        587.31      77,442.55   153,867.97
258    7/4/2032   77,442.55       354.95        590.00      76,852.55   154,222.92
259    8/4/2032   76,852.55       352.24        592.70      76,259.85   154,575.16
260    9/4/2032   76,259.85       349.52        595.42      75,664.43   154,924.68
261   10/4/2032   75,664.43       346.80        598.15      75,066.28   155,271.48
262   11/4/2032   75,066.28       344.05        600.89      74,465.39   155,615.53
263   12/4/2032   74,465.39       341.30        603.64      73,861.75   155,956.83
264    1/4/2033   73,861.75       338.53        606.41      73,255.34   156,295.37
265    2/4/2033   73,255.34       335.75        609.19      72,646.15   156,631.12
266    3/4/2033   72,646.15       332.96        611.98      72,034.16   156,964.08
267    4/4/2033   72,034.16       330.16        614.79      71,419.38   157,294.24
268    5/4/2033   71,419.38       327.34        617.61      70,801.77   157,621.58
269    6/4/2033   70,801.77       324.51        620.44      70,181.33   157,946.08
270    7/4/2033   70,181.33       321.66        623.28      69,558.05   158,267.75
271    8/4/2033   69,558.05       318.81        626.14      68,931.92   158,586.56
272    9/4/2033   68,931.92       315.94        629.01      68,302.91   158,902.49
273   10/4/2033   68,302.91       313.06        631.89      67,671.02   159,215.55
274   11/4/2033   67,671.02       310.16        634.79      67,036.24   159,525.71
275   12/4/2033   67,036.24       307.25        637.69      66,398.54   159,832.96
276    1/4/2034   66,398.54       304.33        640.62      65,757.92   160,137.28
277    2/4/2034   65,757.92       301.39        643.55      65,114.37   160,438.67
278    3/4/2034   65,114.37       298.44        646.50      64,467.87   160,737.12
279    4/4/2034   64,467.87       295.48        649.47      63,818.40   161,032.59
280    5/4/2034   63,818.40       292.50        652.44      63,165.96   161,325.09
281    6/4/2034   63,165.96       289.51        655.43      62,510.52   161,614.60
282    7/4/2034   62,510.52       286.51        658.44      61,852.09   161,901.11
283    8/4/2034   61,852.09       283.49        661.46      61,190.63   162,184.60
284    9/4/2034   61,190.63       280.46        664.49      60,526.14   162,465.06
285   10/4/2034   60,526.14       277.41        667.53      59,858.61   162,742.47
286   11/4/2034   59,858.61       274.35        670.59      59,188.02   163,016.82
287   12/4/2034   59,188.02       271.28        673.67      58,514.35   163,288.10
288    1/4/2035   58,514.35       268.19        676.75      57,837.60   163,556.29
289    2/4/2035   57,837.60       265.09        679.86      57,157.75   163,821.38
290    3/4/2035   57,157.75       261.97        682.97      56,474.77   164,083.35
291    4/4/2035   56,474.77       258.84        686.10      55,788.67   164,342.19
292    5/4/2035   55,788.67       255.70        689.25      55,099.43   164,597.89
293    6/4/2035   55,099.43       252.54        692.41      54,407.02   164,850.43
294    7/4/2035   54,407.02       249.37        695.58      53,711.44   165,099.80

                                     Page 7
                     2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls
      Payment     Beginning                                  Ending     Cumulative
No.      Date      Balance       Interest      Principal     Balance     Interest
295    8/4/2035   53,711.44       246.18        698.77      53,012.68   165,345.97
296    9/4/2035   53,012.68       242.97        701.97      52,310.71   165,588.95
297   10/4/2035   52,310.71       239.76        705.19      51,605.52   165,828.71
298   11/4/2035   51,605.52       236.53        708.42      50,897.10   166,065.23
299   12/4/2035   50,897.10       233.28        711.67      50,185.44   166,298.51
300    1/4/2036   50,185.44       230.02        714.93      49,470.51   166,528.53
301    2/4/2036   49,470.51       226.74        718.20      48,752.30   166,755.27
302    3/4/2036   48,752.30       223.45        721.50      48,030.81   166,978.72
303    4/4/2036   48,030.81       220.14        724.80      47,306.00   167,198.86
304    5/4/2036   47,306.00       216.82        728.13      46,577.88   167,415.68
305    6/4/2036   46,577.88       213.48        731.46      45,846.42   167,629.16
306    7/4/2036   45,846.42       210.13        734.81      45,111.60   167,839.29
307    8/4/2036   45,111.60       206.76        738.18      44,373.42   168,046.05
308    9/4/2036   44,373.42       203.38        741.57      43,631.85   168,249.43
309   10/4/2036   43,631.85       199.98        744.96      42,886.89   168,449.41
310   11/4/2036   42,886.89       196.56        748.38      42,138.51   168,645.97
311   12/4/2036   42,138.51       193.13        751.81      41,386.70   168,839.11
312    1/4/2037   41,386.70       189.69        755.26      40,631.44   169,028.79
313    2/4/2037   40,631.44       186.23        758.72      39,872.73   169,215.02
314    3/4/2037   39,872.73       182.75        762.19      39,110.53   169,397.77
315    4/4/2037   39,110.53       179.26        765.69      38,344.85   169,577.03
316    5/4/2037   38,344.85       175.75        769.20      37,575.65   169,752.78
317    6/4/2037   37,575.65       172.22        772.72      36,802.93   169,925.00
318    7/4/2037   36,802.93       168.68        776.26      36,026.66   170,093.68
319    8/4/2037   36,026.66       165.12        779.82      35,246.84   170,258.80
320    9/4/2037   35,246.84       161.55        783.40      34,463.44   170,420.35
321   10/4/2037   34,463.44       157.96        786.99      33,676.46   170,578.31
322   11/4/2037   33,676.46       154.35        790.59      32,885.86   170,732.66
323   12/4/2037   32,885.86       150.73        794.22      32,091.65   170,883.38
324    1/4/2038   32,091.65       147.09        797.86      31,293.79   171,030.47
325    2/4/2038   31,293.79       143.43        801.51      30,492.27   171,173.90
326    3/4/2038   30,492.27       139.76        805.19      29,687.09   171,313.66
327    4/4/2038   29,687.09       136.07        808.88      28,878.21   171,449.72
328    5/4/2038   28,878.21       132.36        812.59      28,065.62   171,582.08
329    6/4/2038   28,065.62       128.63        816.31      27,249.31   171,710.71
330    7/4/2038   27,249.31       124.89        820.05      26,429.26   171,835.61
331    8/4/2038   26,429.26       121.13        823.81      25,605.45   171,956.74
332    9/4/2038   25,605.45       117.36        827.59      24,777.87   172,074.10
333   10/4/2038   24,777.87       113.57        831.38      23,946.49   172,187.66
334   11/4/2038   23,946.49       109.75        835.19      23,111.30   172,297.42
335   12/4/2038   23,111.30       105.93        839.02      22,272.28   172,403.35
336    1/4/2039   22,272.28       102.08        842.86      21,429.42   172,505.43
337    2/4/2039   21,429.42        98.22        846.73      20,582.69   172,603.65
338    3/4/2039   20,582.69        94.34        850.61      19,732.08   172,697.98
339    4/4/2039   19,732.08        90.44        854.51      18,877.58   172,788.42
340    5/4/2039   18,877.58        86.52        858.42      18,019.16   172,874.94
341    6/4/2039   18,019.16        82.59        862.36      17,156.80   172,957.53
342    7/4/2039   17,156.80        78.64        866.31      16,290.49   173,036.17
343    8/4/2039   16,290.49        74.66        870.28      15,420.21   173,110.83
344    9/4/2039   15,420.21        70.68        874.27      14,545.94   173,181.51
345   10/4/2039   14,545.94        66.67        878.28      13,667.67   173,248.18
346   11/4/2039   13,667.67        62.64        882.30      12,785.37   173,310.82
347   12/4/2039   12,785.37        58.60        886.34      11,899.02   173,369.42

                                     Page 8
                     2ca190fe-233a-44f0-bfe5-ce5e4cc7bd1c.xls
      Payment     Beginning                                  Ending     Cumulative
No.      Date      Balance       Interest      Principal     Balance     Interest
348    1/4/2040   11,899.02       54.54         890.41      11,008.62   173,423.96
349    2/4/2040   11,008.62       50.46         894.49      10,114.13   173,474.41
350    3/4/2040   10,114.13       46.36         898.59       9,215.54   173,520.77
351    4/4/2040    9,215.54       42.24         902.71       8,312.83   173,563.01
352    5/4/2040    8,312.83       38.10         906.84       7,405.99   173,601.11
353    6/4/2040    7,405.99       33.94         911.00       6,494.99   173,635.05
354    7/4/2040    6,494.99       29.77         915.18       5,579.81   173,664.82
355    8/4/2040    5,579.81       25.57         919.37       4,660.44   173,690.39
356    9/4/2040    4,660.44       21.36         923.58       3,736.86   173,711.75
357   10/4/2040    3,736.86       17.13         927.82       2,809.04   173,728.88
358   11/4/2040    2,809.04       12.87         932.07       1,876.97   173,741.76
359   12/4/2040    1,876.97        8.60         936.34        940.63    173,750.36
360    1/4/2041     940.63         4.31         940.63         0.00     173,754.67




                                     Page 9

								
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