function stripNum(num) {
var iPercent
var iDollar
var iSpace
var iComma
var numLength = num.length
if(numLength > 0) {
   num=num.toString();
   iPercent = num.indexOf("%");
   if(iPercent >= 0) {
      num=num.substring(0,iPercent) + "" + num.substring(iPercent + 1,numLength);
      numLength=num.length;
      }
   iDollar = num.indexOf("$");
   if(iDollar >= 0) {
      num=num.substring(0,iDollar) + "" + num.substring(iDollar + 1,numLength);
      numLength=num.length;
      }
   iSpace = num.indexOf(" ");
   if(iSpace >= 0) {
      num=num.substring(0,iSpace) + "" + num.substring(iSpace + 1,numLength);
      numLength=num.length;
      }
   iComma = num.indexOf(",");
   if(iComma >= 0) {
      while(iComma >=1) {
         num=num.substring(0,iComma) + "" + num.substring(iComma + 1,numLength);
         numLength=num.length;
         iComma = num.indexOf(",");
      }
      }
      num = eval(num);
} else {
num = 0;
}
return num;
}
function computeMonthlyPayment(prin, numPmts, intRate) {
var pmtAmt = 0;
if(intRate == 0) {
   pmtAmt = prin / numPmts;
} else {
   if (intRate >= 1.0) {
     intRate = intRate / 100.0;
   }
   intRate /= 12;
   var pow = 1;
   for (var j = 0; j < numPmts; j++)
      pow = pow * (1 + intRate);
   pmtAmt = (prin * pow * intRate) / (pow - 1);
}
return pmtAmt;
}
function formatNumberDec(num, places, comma) {
var isNeg=0;
    if(num < 0) {
       num=num*-1;
       isNeg=1;
    }
    var myDecFact = 1;
    var myPlaces = 0;
    var myZeros = "";
    while(myPlaces < places) {
       myDecFact = myDecFact * 10;
       myPlaces = eval(myPlaces) + eval(1);
       myZeros = myZeros + "0";
    }
	onum=Math.round(num*myDecFact)/myDecFact;
	integer=Math.floor(onum);
	if (Math.ceil(onum) == integer) {
		decimal=myZeros;
	} else{
		decimal=Math.round((onum-integer)* myDecFact)
	}
	decimal=decimal.toString();
	if (decimal.length<places) {
        fillZeroes = places - decimal.length;
	   for (z=0;z<fillZeroes;z++) {
        decimal="0"+decimal;
        }
     }
   if(places > 0) {
      decimal = "." + decimal;
   }
   if(comma == 1) {
	integer=integer.toString();
	var tmpnum="";
	var tmpinteger="";
	var y=0;
	for (x=integer.length;x>0;x--) {
		tmpnum=tmpnum+integer.charAt(x-1);
		y=y+1;
		if (y==3 & x>1) {
			tmpnum=tmpnum+",";
			y=0;
		}
	}
	for (x=tmpnum.length;x>0;x--) {
		tmpinteger=tmpinteger+tmpnum.charAt(x-1);
	}
	finNum=tmpinteger+""+decimal;
   } else {
      finNum=integer+""+decimal;
   }
    if(isNeg == 1) {
       finNum = "-" + finNum;
    }
	return finNum;
}

function computeForm(form) {

//IF REQUIRED FIELDS EMPTY, ALERT AND KILL SCRIPT
if(form.grossPay.value == "" || form.grossPay.value == 0) {
   alert("Please enter your gross monthly or annual income.");
   form.grossPay.focus();
   } else
if(form.intRate.value == "" || form.intRate.value == 0) {
   alert("Please enter the annual interest rate you expect to pay.");
   form.intRate.focus();
   } else {
//START REQUIRED FIELD VARIFICATION

//SET OPTIONAL BLANK FIELDS EQUAL TO ZERO;
var VmonthlyDebtPmts = stripNum(form.moDebts.value);
var VannPropTaxPerc = stripNum(form.propTaxPerc.value);
if(VannPropTaxPerc >= 1) {
   VannPropTaxPerc = VannPropTaxPerc / 100;
}
var VmoPropTaxPerc = VannPropTaxPerc / 12;

//COMPUTE MONTHLY INCOME
var Vincome_period = form.payMethod.options[form.payMethod.selectedIndex].value;
var VgrossPay = stripNum(form.grossPay.value);
var monthlyIncome = VgrossPay / Vincome_period;

//var VmoPropTax = stripNum(form.moPropTax.value);
//var VmoPropTax = 0;



//MORTGAGE PAYMENT CAN'T EXCEED 28% OF MONTHLY INCOME
var VpmtRatio = stripNum(form.pmtRatio.value);
if(VpmtRatio >= 1) {
   VpmtRatio /= 100;
}
var maxIncomePmt = monthlyIncome * VpmtRatio;

//MORTGAGE PAYMENT PLUS DEBT PMTS CAN'T EXCEED 36% OF MONTHLY INCOME
var VdebtRatio = stripNum(form.debtRatio.value);
if(VdebtRatio >= 1) {
   VdebtRatio /= 100;
}
var maxDebtToIncomePmt = eval(VdebtRatio * monthlyIncome) - eval(VmonthlyDebtPmts);

//USE THE LOWER OF 28% OR 36% AS MAXIMUM HOUSE PAYMENT
var maxHousePmt = 0;
if(maxIncomePmt > maxDebtToIncomePmt) {
   maxHousePmt = maxDebtToIncomePmt;
   } else {
   maxHousePmt = maxIncomePmt;
   }

//IF MAX HOUSE PAYMENT IS LESS THAN $1, ALERT & KILL SCRIPT
if(maxHousePmt < 1) {
   form.downPay2.value = "";
   form.loanAmt.value = "";
   form.homePrice.value = "";
   form.moPay.value = "";
   alert("Based on industry standards you would not qualify for a home mortgage. In order to qualify you will need to either increase your annual income or lower your monthly debt payments, or a combination of both.")
   } else {
//START HOUSE PAYMENT VERIFICATION

//ADJUST HOUSE PAYMENT DOWN TO REFLECT MONTHLY PMI, INSURANCE & TAX

//GATHER VARIABLES FOR PAYMENT AND PRINCIPLE COMPUTATIONS
var Vi = stripNum(form.intRate.value);
var VintRate = stripNum(form.intRate.value);
if(VintRate >= 1) {
   VintRate = VintRate / 100;
} else {
   VintRate = VintRate;
}

VintRate = VintRate / 12;

var Vterm = 0;
if(form.term.selectedIndex == 0) {
   Vterm = 180;
} else
if(form.term.selectedIndex == 1) {
   Vterm = 240;
} else {
   Vterm = 360;
}

//MAKE INITIAL DETERMINATION OF NEW MAX HOUSE PMT
//COMPUTE PRINCIPAL PAID ON MAXIMUM MONTHLY PAYMENT
var pow = 1;
for (var j = 0; j < Vterm; j++) {
    pow = pow * (1 + VintRate);
}

var maxLoanAmt = ((pow - 1) * maxHousePmt) / (pow * VintRate);


//DETERMINE INITIAL HOME PRICE
var VdownPay = stripNum(form.downPay.value);
var maxHomePrice = eval(maxLoanAmt) + eval(VdownPay);

//DETERMINE INITIAL PMI
var VmoPMIPercent = stripNum(form.moPMIPercent.value);
if(form.moPMIPercent.value.length == 0) {
   var downPayPerc = VdownPay / maxHomePrice;
   var PMIPerc = 0;
   if(downPayPerc < .05) {
      PMIPerc = .00065;
   } else
   if(downPayPerc < .10) {
      PMIPerc = .000433;
   } else
   if(downPayPerc < .15) {
      PMIPerc = .0003583;
   } else
   if(downPayPerc < .20) {
      PMIPerc = .000225;
   } else {
      PMIPerc = 0;
   }
} else {
   PMIPerc = VmoPMIPercent / 1000;
}
var monthlyPMI = maxLoanAmt * PMIPerc;

//DETERMINE INITIAL PROPERTY TAX
var monthlyPropTax = maxHomePrice * VmoPropTaxPerc;
var initMaxHousePmt = eval(maxHousePmt);

//var initMaxHousePmt = eval(maxHousePmt) - eval(monthlyPMI) - eval(monthlyPropTax);

var newMaxHousePmt = 0;
var newMaxLoanAmt = 0;
var newMaxHomePrice = 0;
var totalOfPmts = eval(maxHousePmt) + eval(monthlyPMI) + eval(monthlyPropTax);;
var count = 0;

while(totalOfPmts > maxHousePmt) {

   initMaxHousePmt = eval(initMaxHousePmt) - eval(1);

   //MAKE INITIAL DETERMINATION OF NEW MAX HOUSE PMT

   //COMPUTE PRINCIPAL PAID ON MAXIMUM MONTHLY PAYMENT
   newMaxLoanAmt = ((pow - 1) * initMaxHousePmt) / (pow * VintRate);

   //DETERMINE NEW HOME PRICE
   newMaxHomePrice = eval(newMaxLoanAmt) + eval(VdownPay);

   //DETERMINE INITIAL PMI
if(form.moPMIPercent.value.length == 0) {
   downPayPerc = VdownPay / newMaxHomePrice;
   PMIPerc = 0;
   if(downPayPerc < .05) {
      PMIPerc = .00065;
   } else   
   if(downPayPerc < .10) {
      PMIPerc = .000433;
   } else
   if(downPayPerc < .15) {
      PMIPerc = .0003583;
   } else
   if(downPayPerc < .20) {
      PMIPerc = .000225;
   } else {
      PMIPerc = 0;
   }
} else {
   PMIPerc = VmoPMIPercent / 1000;
}
   monthlyPMI = newMaxLoanAmt * PMIPerc;

   //DETERMINE INITIAL PROPERTY TAX
   monthlyPropTax = newMaxHomePrice * VmoPropTaxPerc;
   totalOfPmts = eval(initMaxHousePmt) + eval(monthlyPMI) + eval(monthlyPropTax);
   count = eval(count) + eval(1);
   if(count > 1000) {
      break;
   } else {
      continue;
   }
}

//ENTER TOTALS
form.downPay2.value = "$" + formatNumberDec(VdownPay,2,1);
form.loanAmt.value = "$" + formatNumberDec(newMaxLoanAmt,2,1);
form.homePrice.value = "$" + formatNumberDec(eval(VdownPay) + eval(newMaxLoanAmt),2,1);
form.moPMI.value = "$" + formatNumberDec(monthlyPMI,2,1);
form.moTax.value = "$" + formatNumberDec(monthlyPropTax,2,1);
form.moPay.value = "$" + formatNumberDec(initMaxHousePmt,2,1);
form.moTotal.value = "$" + formatNumberDec(totalOfPmts,2,1);

//DISPLAY SUMMARY
form.enterHelp.value = ("You could qualify for a home priced " + form.homePrice.value + ". Call us at (512) 241-3190 to get the ball rolling.")

//END HOUSE PAYMENT VERIFICATION
      }

//END REQUIRED FIELD VARIFICATION
   }

}