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Mortgage Qualifier Plus PX2
Calculated Industries Mortgage Qualifier Plus PX2 Manuals
Manuals and User Guides for Calculated Industries Mortgage Qualifier Plus PX2. We have
1
Calculated Industries Mortgage Qualifier Plus PX2 manual available for free PDF download: User Manual
Calculated Industries Mortgage Qualifier Plus PX2 User Manual (90 pages)
Mortgage Finance Calculator
Brand:
Calculated Industries
| Category:
Calculator
| Size: 0.48 MB
Table of Contents
Table of Contents
3
Getting Started
6
Key Definitions
6
Basic Operation Keys
6
Mortgage Loan (TVM) Keys
7
Tax Savings Keys
10
Rent Vs. Buy Keys
11
Qualifying Keys
11
Tax, Insurance and Expense Keys
14
Pick-A-Payment and Equity Builder Pick-A-Payment Loan Keys
15
Combo Loan Keys
18
Pick-A-Payment and Equity Builder Pick-A-Payment Combo Loan Keys
20
Basic Arithmetic Examples
21
Arithmetic
21
Percentage Calculations
21
Figuring Straight % Commission
21
Reduction in Listing Price (Discount %)
22
Simple, One-Year Home Appreciation (Add-On %)
22
Calculator Settings
22
Decimal Place Selection
22
Preference Settings
23
Memory
26
Memory Storage Keys (M0-M5)
27
Additional Memory Storage Keys (M10-M19)
28
Examples
28
Mortgage Loans/Time-Value-Of-Money (Tvm)
28
Finding the Monthly Loan Payment
29
Finding the Interest-Only Payment
30
Finding the Term of a Loan
30
Paying off a Loan Early (Making Larger Payments)
30
Finding the Interest Rate
31
Finding the Loan Amount
31
Finding the Loan Amount (with Interest-Only Payment)
31
Non-Monthly Loans
32
Finding a Quarterly Payment
32
Sales Price/Down Payment
33
Finding Loan Amount Based on Sales Price and down Payment
33
Finding Sales Price and Payment Based on Loan Amount and down Payment
33
Finding Loan-To-Value (LTV) Based on down Payment and Sales Price
34
Entering Loan-To-Value (LTV) and Finding Loan and down Payment
34
Taxes and Insurance
35
Setting Tax and Insurance % Rates
35
Recalling Tax and Insurance % Rates
36
Setting Tax and Insurance
36
Calculating Tax and Insurance % or
36
PITI Payment (Tax and Insurance Entered as %)
37
PITI Payment (Tax and Insurance Entered as $)
38
Total Payment and Interest-Only Payment
38
Estimated Income Tax Savings and "After-Tax" Payment
39
Rent Vs. Buy
40
APR and Total Finance Charges
41
Finding APR, Total Finance Charges (Excluding Mortgage Insurance)
41
Finding APR, Total Finance Charges (Including Mortgage Insurance)
42
Date Examples
43
Finding Odd-Days Interest and APR
43
Equity Builder Loans
44
Equity Builder Term Reduction and Payment
45
Equity Builder Interest Savings - Based on Adjusted Equity Builder Payment
45
Amortization and Remaining Balance
46
Notes on Amortization
46
Total Principal/Total Interest for a 30-Year Loan
47
Amortization List for Individual Year(S) - Using "Next" Feature
48
Amortization List for Individual Year(S) - Using Month Offset
49
Amortization List for Individual Payment(S)
50
Amortization List for a Range of Payments or Years
51
Balloon Payment/Remaining Balance Needed to Pay off a Loan
51
Mortgage Interest Tax Savings - 21% or 30% Tax Bracket
52
Future Value
53
Appreciation
53
Basic Savings Account Problem (Future Value of an Initial Deposit or Lump Sum)
53
Investment Future Value
53
Retirement Annuity
54
Begin/End Interest Mode
54
Trust Deeds and Discounted Notes
55
Purchase Price of a Note - Fully Amortized
55
Finding the Yield on a Discounted Note
55
Finding the Value and Discount of a Trust Deed
56
Buyer Qualifying
57
Qualifying Examples
58
Recalling Income/Debt Qualifying Ratios
58
Storing New Income/Debt Qualifying Ratios
59
Finding Qualifying Loan Amount and Sales Price (Simple Example Excluding Tax/Insurance)
59
Qualifying Loan Amount and Sales Price (Complete Example Including down Payment, Tax/Insurance, Monthly Association Dues)
60
Restricted" Qualifying
61
Unrestricted" Qualifying
62
Qualifying Comparison (Comparing 2 Different Loans or Ratios at Once)
63
Finding Income Required and Allowable Monthly Debt
64
Solving for Actual Qualifying Ratios
65
Pick-A-Payment and Combo Loans
66
Pick-A-Payment Loan (Zero-Month/30-Term) Vs
67
Standard Fixed-Rate Loan - Entering Starting Payment
67
Pick-A-Payment Loan (Zero-Month/30-Term) Vs
70
Standard Fixed-Rate Loan - Entering a Starting Interest Rate %, Changing ROI% and Payment Cap%; Solving Payment Options
70
Standard Fixed-Rate Loan
73
Pick-A-Payment Loan (3-Month/30-Term) Vs
75
Three Years (Versus the First Five Years)
75
Standard Fixed-Rate Loan — Finding P-A-P Savings for the First Three Years (Versus the First Five Years)
75
Fixed-Rate Combo Loan (1St Td/2Nd TD)
77
Combo Loan Vs. Fixed-Rate Loan with MI
78
Combo Loan - Storing a New LTV
79
Pick-A-Payment (3-Month/30-Term) Combo Loan Vs
81
Fixed-Rate Loan W/MI
81
Equity Builder Pick-A-Payment (3-Month/30-Term) Combo Loan Vs. Fixed-Rate Loan W/MI
83
Appendix
85
Default Settings
85
Error Codes
85
Auto Shut-Off
86
Batteries
86
Reset
87
Repair and Return
87
Warranty
88
Legal Notes
89
Looking for New Ideas
89
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