// JavaScript Document
function clearField(object) {
	object.value ="";
}

function formrule(field)
{
	if (field.defaultValue == field.value) field.value = "";
}
function formrule2(field) {
  if (field.value == "") {
    field.value = field.defaultValue;
  }
}
function MM_validateForm() { //v4.0
  var i,p,q,nm,test,num,min,max,errors='',args=MM_validateForm.arguments;
  for (i=0; i<(args.length-2); i+=3) { test=args[i+2]; val=MM_findObj(args[i]);
    if (val) { nm=val.name; if ((val=val.value)!="") {
      if (test.indexOf('isEmail')!=-1) { p=val.indexOf('@');
        if (p<1 || p==(val.length-1)) errors+='- '+nm+' must contain an e-mail address.\n';
      } else if (test!='R') { num = parseFloat(val);
        if (isNaN(val)) errors+='- '+nm+' must contain a number.\n';
        if (test.indexOf('inRange') != -1) { p=test.indexOf(':');
          min=test.substring(8,p); max=test.substring(p+1);
          if (num<min || max<num) errors+='- '+nm+' must contain a number between '+min+' and '+max+'.\n';
    } } } else if (test.charAt(0) == 'R') errors += '- '+nm+' is required.\n'; }
  } if (errors) alert('The following error(s) occurred:\n'+errors);
  document.MM_returnValue = (errors == '');
}
function MM_preloadImages() { //v3.0
  var d=document; if(d.images){ if(!d.MM_p) d.MM_p=new Array();
    var i,j=d.MM_p.length,a=MM_preloadImages.arguments; for(i=0; i<a.length; i++)
    if (a[i].indexOf("#")!=0){ d.MM_p[j]=new Image; d.MM_p[j++].src=a[i];}}
}

function MM_swapImgRestore() { //v3.0
  var i,x,a=document.MM_sr; for(i=0;a&&i<a.length&&(x=a[i])&&x.oSrc;i++) x.src=x.oSrc;
}

function MM_findObj(n, d) { //v4.01
  var p,i,x;  if(!d) d=document; if((p=n.indexOf("?"))>0&&parent.frames.length) {
    d=parent.frames[n.substring(p+1)].document; n=n.substring(0,p);}
  if(!(x=d[n])&&d.all) x=d.all[n]; for (i=0;!x&&i<d.forms.length;i++) x=d.forms[i][n];
  for(i=0;!x&&d.layers&&i<d.layers.length;i++) x=MM_findObj(n,d.layers[i].document);
  if(!x && d.getElementById) x=d.getElementById(n); return x;
}

function MM_swapImage() { //v3.0
  var i,j=0,x,a=MM_swapImage.arguments; document.MM_sr=new Array; for(i=0;i<(a.length-2);i+=3)
   if ((x=MM_findObj(a[i]))!=null){document.MM_sr[j++]=x; if(!x.oSrc) x.oSrc=x.src; x.src=a[i+2];}
}



// Form Validation Start
function Validate(){
	var bitErr = false;
 
	if (document.bvaform.app_cre.value == "") bitErr = true; 
	if (document.bvaform.p_state.value == "") bitErr = true; 
	if (document.bvaform.p_type.value == "") bitErr = true; 
	if (document.bvaform.p_rentorown.value == "") bitErr = true; 
	if (document.bvaform.amt_request.value == "") bitErr = true; 
	if (document.bvaform.p_ad.value == "") bitErr = true; 
	if (document.bvaform.p_city.value == "") bitErr = true; 
	if (document.bvaform.p_zip.value == "") bitErr = true; 
	if (document.bvaform.fm_balance.value == "") bitErr = true; 
	if (document.bvaform.fm_paymnt.value == "") bitErr = true; 
	if (document.bvaform.app_fname.value == "") bitErr = true; 
	if (document.bvaform.app_lname.value == "") bitErr = true; 
	if (document.bvaform.app_hphone.value == "") bitErr = true; 
	if (document.bvaform.app_ssn1.value == "") bitErr = true; 
	if (document.bvaform.app_ssn2.value == "") bitErr = true; 
	if (document.bvaform.app_ssn3.value == "") bitErr = true; 
	if (document.bvaform.trb.value == "") bitErr = true; 
	if (document.bvaform.trb_mp.value == "") bitErr = true; 
	if (document.bvaform.tib.value == "") bitErr = true; 
	if (document.bvaform.tib_mp.value == "") bitErr = true; 
	if (document.bvaform.em_app_name.value == "") bitErr = true; 
	if (document.bvaform.em_app_income.value == "") bitErr = true; 
	if (document.bvaform.em_app_pos.value == "") bitErr = true; 
	
	if (document.bvaform.emailx.value == " email") bitErr = true; 
	if (document.bvaform.emailx.value.indexOf("@") == -1) bitErr = true;
	if (document.bvaform.emailx.value.indexOf(".") == -1) bitErr = true;
	
	if (bitErr){
		alert("The following fields are required:\n-Credit Rating\n-Property State\n-Property Type\n-Rent or Own\n-Amount Requested\n-Property's Address\n-Property's City\n-Property's ZIP\n-Property's Worth at Purchase\n-First Mortgage Balance\n-First Mortgage Payment\n-Your First Name\n-Your Last Name\n-Your Home Phone\n-Your Social Security Number\n-Your Total Revolving Balance\n-Your Total Revolving Balance-Monthly Payment\n-Your Installment Balance\n-Your Installment Balance Monthly Payment\n-Employer Name\n-Your Gross Monthly Income\n-Your Position\n-Your Email\n\nPlease fill up the form completely and submit the form again.");
		return false;
	}
	
	document.bvaform.submit();
}// Form Validation End



//start mortgage calculator

//Mortgage Refinancing Calculator
//By Daniel C. Peterson
//Web Winder Website Services, 1997-2002  All Rights Reserved.
//Distribution, editing or reselling of this script is strictyly prohibited
//without expressed written permission from Daniel C. Peterson.
//For commercial grade (professional) versions of this and many other
//calculators, visit http://www.webwinder.com.

function computeForm(form) {

    var pmt1 = form.payment.value;

    var prin1 = form.principal.value;

    var intPort1 = 0;

    var prinPort1 = 0;

    var accumInt1 = 0;

    var accumPrin1 = 0;

    var i1 = form.intRate.value;

    if (i1 > 1.0) {

        i1 = i1 / 100.0;

        form.intRate.value = i1;

    }

    var i1  = i1  / 12;

    var i2 = form.intRate2.value;

       if (i2 > 1.0) {

           i2 = i2 / 100.0;

           form.intRate2.value = i2;

       }

       var i2  = i2  / 12;

    var count1 = 0;

    while(prin1 > 0) {

        intPort1 = prin1 * i1;

        prinPort1 = pmt1 - intPort1;

        prin1 = prin1 - prinPort1;

        accumPrin1 = accumPrin1 + prinPort1;

        accumInt1 = accumInt1 + intPort1;

        count1 = count1 + 1;

        if(count1 > 600) {break; } else {continue; }

       }

    form.origInt.value = "$" + parseInt(accumInt1,10);

    var pow = 1;

    for (var j = 0; j < form.nper2.value *12; j++)

        pow = pow * (1 + i2);

    var fpayment2 = (form.principal.value * pow * i2) / (pow - 1);

    form.payment2.value = "$" + parseInt(fpayment2,10) + "." + parseInt(fpayment2 % 1 * 100,10);

   var fmoSave = form.payment.value - fpayment2;

   form.moSave.value = "$" + parseInt(fmoSave,10) + "." + parseInt(fmoSave % 1 *100,10);
		
		var ftotInt2 = (fpayment2 * form.nper2.value *12)
    - form.principal.value;

   form.totInt2.value = "$" + parseInt(ftotInt2,10);

   var fintSave = accumInt1 - ftotInt2;

    form.intSave.value = "$" + parseInt(fintSave,10);

    form.closeMo.value = parseInt(form.closingCost.value / fmoSave,10);

   var fnetSave = fintSave - form.closingCost.value;

   form.netSave.value = "$" + parseInt(fnetSave,10);

    form.summary.value = "If you refinance your current " + parseInt(form.intRate.value *100,10) + "." + parseInt(form.intRate.value *100 % 1 *100,10) + "% mortgage to a " + parseInt(form.intRate2.value *100,10) + "." + parseInt(form.intRate2.value *100 % 1 *100,10) + "% mortgage, your monthly payment will drop by " + form.moSave.value + " and you will save " + form.intSave.value + " in interest charges over the life of the mortgage.  However, in order for this refinancing to yield any savings at all you will need to stay in your current home for at least " + form.closeMo.value + " months.  That's how long it will take for your monthly payment savings to offset the closing costs attributable to refinancing.";
		
}



function clearForm(form)

{

    form.principal.value = "";
    form.payment.value = "";
    form.intRate.value = "";
    form.intRate2.value = "";
    form.nper2.value = "";
    form.closingCost.value = "";
    form.payment2.value = "";
    form.moSave.value = "";
    form.closeMo.value = "";
    form.intSave.value = "";
    form.origInt.value = "";
    form.netSave.value = "";
    form.totInt2.value = "";
    form.summary.value = "";

}

// end mortgage calculator