";
}
else
{
// Paul is not available or he is chatting now so do not open chat window
// but open pop window on closing
print"";
}
?>
.......
"; $VALID = 0; }
if (($PAYOFF < 200000) OR ($PAYOFF > 984300))
{ print"Payoff Amount cannot be less than 200,000 nor greater than 1,000,000
"; $VALID = 0; }
if (($TERM != "180") AND ($TERM != "360"))
{ print"Please select 180 or 360 for Term in months
"; $VALID = 0; }
if (($CLOSING != "TRAD") AND ($CLOSING != "LOW") AND ($CLOSING != "NO"))
{ print"Please select Traditional, Low Closing, or No Closing Costs
"; $VALID = 0; }
if ($VALID)
{
$OpenFile = fopen("../loanapps/RATE.txt", "r");
$POPRATE = trim(fgets($OpenFile, 80));
$POPAPR = trim(fgets($OpenFile, 80));
$RATE1 = trim(fgets($OpenFile, 80));
$RATE2 = trim(fgets($OpenFile, 80));
$RATE3 = trim(fgets($OpenFile, 80));
$RATE4 = trim(fgets($OpenFile, 80));
$RATE5 = trim(fgets($OpenFile, 80));
$RATE6 = trim(fgets($OpenFile, 80));
.......
$NUM = $L803 + $L804 + $L805 + $L806 + $L807 + $L808 + $L809 + $L810 + $L811 + $L812 + $L1101 + $L1102 + $L1103 + $L1104 + $L1105 + $L1109 + $L1111 + $L1201 + $L1204 + $L1301 + $L1302 + $L1303;
if ($CLOSING == "TRAD") // TRADITIONAL
{
if ($TERM == "180") { $RATEPERC = $RATEPERC1; $RATE = $RATE1; }
if ($TERM == "360") { $RATEPERC = $RATEPERC2; $RATE = $RATE2; }
$LOAN = ($PAYOFF + $NUM + 33.0) / (0.9912 - $L1110PERC - $L801PERC - $L802PERC - ($RATEPERC / 24.0));
}
if ($CLOSING == "LOW") // LOW CLOSING COSTS
{
if ($TERM == "180") { $RATEPERC = $RATEPERC3; $RATE = $RATE3; }
if ($TERM == "360") { $RATEPERC = $RATEPERC4; $RATE = $RATE4; }
$LOAN = $PAYOFF / (0.9945 - ($RATEPERC / 24.0));
}
if ($CLOSING == "NO") // NO CLOSING COSTS
{
if ($TERM == "180") { $RATEPERC = $RATEPERC5; $RATE = $RATE5; }
if ($TERM == "360") { $RATEPERC = $RATEPERC6; $RATE = $RATE6; }
$LOAN = $PAYOFF / (1.0 - ($RATEPERC / 24.0));
}
// ROUND UP TO NEAREST 50 DOLLARS
$ROUNDVAL = 100 * floor($LOAN / 100);
$TEMPVAL = floor($LOAN - $ROUNDVAL);
if (($TEMPVAL >= 0) AND ($TEMPVAL <= 49)) $LOAN = $ROUNDVAL + 50;
if (($TEMPVAL >= 50) AND ($TEMPVAL <= 99)) $LOAN = $ROUNDVAL + 100;
//
// CHECK IF LOAN AMOUNT 650,000 OR GREATER
// IF SO THEN USE NEW RATES
//
if ($LOAN >= 650000)
{
if ($CLOSING == "TRAD") // TRADITIONAL
{
if ($TERM == "180") { $RATEPERC = $RATEPERC11; $RATE = $RATE11; }
if ($TERM == "360") { $RATEPERC = $RATEPERC22; $RATE = $RATE22; }
$LOAN = ($PAYOFF + $NUM + 33.0) / (0.9912 - $L1110PERC - $L801PERC - $L802PERC - ($RATEPERC / 24.0));
}
if ($CLOSING == "LOW") // LOW CLOSING COSTS
{
if ($TERM == "180") { $RATEPERC = $RATEPERC33; $RATE = $RATE33; }
if ($TERM == "360") { $RATEPERC = $RATEPERC44; $RATE = $RATE44; }
$LOAN = $PAYOFF / (0.9945 - ($RATEPERC / 24.0));
}
if ($CLOSING == "NO") // NO CLOSING COSTS
{
if ($TERM == "180") { $RATEPERC = $RATEPERC55; $RATE = $RATE55; }
if ($TERM == "360") { $RATEPERC = $RATEPERC66; $RATE = $RATE66; }
$LOAN = $PAYOFF / (1.0 - ($RATEPERC / 24.0));
}
// ROUND UP TO NEAREST 50 DOLLARS
$ROUNDVAL = 100 * floor($LOAN / 100);
$TEMPVAL = floor($LOAN - $ROUNDVAL);
if (($TEMPVAL >= 0) AND ($TEMPVAL <= 49)) $LOAN = $ROUNDVAL + 50;
if (($TEMPVAL >= 50) AND ($TEMPVAL <= 99)) $LOAN = $ROUNDVAL + 100;
} // END IF OVER 650,000
$L1108 = 330.0 + (.003 * ($LOAN - 100000.0));
$L1112 = (330.0 + (.003 * ($LOAN - 100000.0))) / 10.0;
$L801 = $LOAN * $L801PERC;
$L802 = $LOAN * $L802PERC;
$L1110 = $LOAN * $L1110PERC;
$L1203 = $LOAN * .0035;
$L1202 = $LOAN * .002;
$L901A = ($LOAN * $RATEPERC) / 360.0;
$L901B = 15.0 * (($LOAN * $RATEPERC) / 360.0);
$TOTALCLOSING = $L801 + $L802 + $L803 + $L804 + $L805 + $L806 + $L807 + $L808 + $L809 + $L810 + $L811 + $L812 + $L1101 + $L1102 + $L1103 + $L1104 + $L1105 + $L1108 + $L1109 + $L1110 + $L1111 + $L1112 + $L1201 + $L1202 + $L1203 + $L1204 + $L1301 + $L1302 + $L1303;
if ($CLOSING == "NO") $TOTALCLOSING = 0;
if ($CLOSING == "LOW") $TOTALCLOSING = $L1202 + $L1203;
$TOTALPREPAID = $L901B;
$TOTALAH = $PAYOFF + $TOTALPREPAID + $TOTALCLOSING;
$CASH = $LOAN - $TOTALAH;
$TERM = floatval($TERM);
$RAISE = pow((1.0 + ($RATEPERC / 12.0)), $TERM);
$PAYMENT = (($LOAN * $RATEPERC) / 12.0) / (1.0 - (1.0 / $RAISE));
$L1108 = round($L1108,0);
$L1112 = round($L1112,0);
$L1110 = round($L1110,0);
$L1203 = round($L1203,0);
$L1202 = round($L1202,0);
$L901A = round($L901A,0);
$L901B = round($L901B,0);
$TOTALCLOSING = round($TOTALCLOSING,0);
$TOTALPREPAID = round($TOTALPREPAID,0);
$TOTALAH = round($TOTALAH,0);
$CASH = round($CASH,0);
$PAYMENT = round($PAYMENT,2);
//
// COMPUTE APR by iterative equation method
//
if ($CLOSING == "TRAD") $APRLOAN = $LOAN - $L901B - $L1110 - $L811 - $L812 - $L803 - $L804 - $L809 - $L1101 - $L1201 - $L1202 - $L1203 - $L1302 - $L1303;
if (($CLOSING == "NO") OR ($CLOSING == "LOW")) $APRLOAN = $LOAN - $L901B;
$APRRATEPERC = $RATEPERC; // initial value to find correct APR
do {
$APRRATEPERC = $APRRATEPERC + .00001; // increment slowly
$RAISE = pow((1.0 + ($APRRATEPERC / 12.0)), $TERM);
$APRPAYMENT = (($APRLOAN * $APRRATEPERC) / 12.0) / (1.0 - (1.0 / $RAISE));
$APRPAYMENT = round($APRPAYMENT,2);
} while ($APRPAYMENT < $PAYMENT); // if APR Payment less keep going
$APR = $APRRATEPERC * 100.0; // make sure we move the decimal back
//
// GET TODAYS DATE AND TIME
//
$DATETIME = date("mdYHis");
$GFHTML = "GF" . $DATETIME . ".htm";
//
// APPEND DATA TO JUMBOLIST.txt file
//
$OpenFile = fopen ("../loanapps/JUMBOLIST.txt", "a");
$FileData = $DATETIME . "\n" . $LOAN . "\n" . $RATE . "\n" . $TERM . "\n" . $CLOSING . "\n" . $TOTALCLOSING . "\n" . $PAYMENT . "\n";
fwrite($OpenFile, $FileData);
fclose ($OpenFile);
........
END OF SAMPLE PHP CODE