Bankers, home buyers, students, and real-estate agents can save time and money by evaluating different payment options when using this powerful decision tool.

Timeline and graphing features help you see the impact of lump sum payments, changes in interest rates and renegotiating part-way through the term.

Version 2.1 now supports:
- greater user configurability
- lump sum or balloon payments
- repeating lump sum payments
- variable rate mortgage comparisons
- refinancing or payment adjustments
- configurable and custom comparison scenarios
- timeline graphing
- greater variety of payment frequencies:
~ Annual
~ SemiAnnual
~ Quarterly
~ Monthly
~ SemiMonthly
~ Weekly
~ Daily
- rounding up of payments to nearest cent, nickel, dime or dollar
- calculation of any one of the four base mortgage variables from the other three

Three common "Fast-Pay" methods are used to provide comparative payments for Weekly, Bi-Weekly and Semi-Monthly payment schedules. So, in a glance you can easily compare and analyze the savings and term lengths of a wide variety of user-configurable, alternate payment approaches.

The flexibility of this tool also allows prospective buyers to calculate the size of mortgage that they could afford based on a predetermined monthly payment, rate and term.