function toggleCalculatorDropdownOrRadio(t){for(var e=t.target,a=e.value,r=e.name,n="input[name="+r+"]",o=document.querySelectorAll(n),i=["state","purchaseprice","monthlydebt"],s=["zipcode","annualincome","creditscore"],l=["cash-outamount","state","estimatedvalue","annualincome"],u=["propertyusage","zipcode","loanamount","monthlydebt"],c=["state","estimatedvalue","annualincome"],d=["zipcode","loanamount","monthlydebt"],m=function(t){var e=document.createElement("div")
e.classList.add("row"),e.classList.add("spacerDiv"),t.insertAdjacentElement("afterend",e)},h=0;h<o.length;h++){var g=o[h].attributes
g["aria-checked"].value=g.value.value===a}for(var p=MortgageCalculatorUtils.closest(e,"mortgage-calculators-widget-form"),f=p.querySelectorAll("input[data-parent-options]"),y=0;y<f.length;++y)if(f[y].dataset.hasOwnProperty("parentOptions")){var v=MortgageCalculatorUtils.closest(f[y],"mortgage-calculators-widget-form-group"),b=f[y].dataset.parentOptions.split(","),P=f[y].dataset.parent.replace(/ /g,"").toLowerCase()
b.indexOf(a)>-1&&P===r?v.classList.remove("is-hidden"):P===r&&v.classList.add("is-hidden")}if("loanpurpose"===r){document.querySelectorAll(".spacerDiv").forEach(function(t){t.remove()})
for(var w=0;w<p.length;w++){if("annualincome"===p[w].name)var M=w
if("downpaymentamount"===p[w].name)var R=w
if("monthlydebt"===p[w].name)var T=w
if(M&&R&&T)break}"Purchase"===a?p.insertBefore(p[M].parentNode.parentNode,p[R].parentNode.parentNode):p.insertBefore(p[M].parentNode.parentNode,p[T].parentNode.parentNode)
for(var C=0;C<p.length;C++){var A="select"===p[C].localName?MortgageCalculatorUtils.closest(p[C],"mortgage-calculators-widget-select-group"):MortgageCalculatorUtils.closest(p[C],"mortgage-calculators-widget-form-group")
if(A)switch(a){case"Purchase":i.includes(p[C].name)?(A.classList.remove("half-width-field-right"),A.classList.add("half-width-field")):s.includes(p[C].name)?(A.classList.remove("half-width-field"),A.classList.add("half-width-field-right"),m(A)):(A.classList.remove("half-width-field"),A.classList.remove("half-width-field-right"))
break
case"Cash-Out Refinance":l.includes(p[C].name)?(A.classList.remove("half-width-field-right"),A.classList.add("half-width-field")):u.includes(p[C].name)?(A.classList.remove("half-width-field"),A.classList.add("half-width-field-right"),m(A)):(A.classList.remove("half-width-field"),A.classList.remove("half-width-field-right"))
break
case"No Cash-Out Refinance":c.includes(p[C].name)?(A.classList.remove("half-width-field-right"),A.classList.add("half-width-field")):d.includes(p[C].name)?(A.classList.remove("half-width-field"),A.classList.add("half-width-field-right"),m(A)):(A.classList.remove("half-width-field"),A.classList.remove("half-width-field-right"))}}}}function onInputKeyDown(t,e){if(!([8,9,37,38,39,40,46].indexOf(t.keyCode)>-1)){if(RatesCalculator.utils&&RatesCalculator.utils.getNumberOfWholeDigits(t.target.value)>t.target.dataset.maxwholenumbers)return void t.preventDefault()
t.target.dataset.previousValue=t.target.value
var a="true"===t.target.dataset.allownegative
switch(e){case"number":MortgageCalculatorUtils.allowNumbersOnly(t,0,100,a)
break
case"amount":MortgageCalculatorUtils.allowNumbersOnly(t,2,100,a)
break
case"percentage":MortgageCalculatorUtils.allowNumbersOnly(t,3,100,a)
break
case"year":MortgageCalculatorUtils.allowNumbersOnly(t,0,2,a)
break
case"month":MortgageCalculatorUtils.allowNumbersOnly(t,0,3,a)
break
case"zip":MortgageCalculatorUtils.allowNumbersOnly(t,0,5,!1)}}}function onInputKeyUp(t,e){if(!([9,16,37,38,39,40].indexOf(t.keyCode)>-1)){var a="true"===t.target.dataset.allownegative
switch(e){case"amount":var r=t.target.dataset.maxwholenumbers
r&&RatesCalculator.utils&&RatesCalculator.utils.getNumberOfWholeDigits(t.target.value)>r&&(t.target.value=t.target.dataset.previousValue),t.target.value=MortgageCalculatorUtils.formatNumbers(t.target.value,2,!0,a)
break
case"percentage":t.target.value=MortgageCalculatorUtils.formatNumbers(t.target.value,3,!1,a)}}}function onCalculatorSubmit(t){t.preventDefault()
var e=t.target,a=!(!t.detail||!t.detail.isAutoRun)&&t.detail.isAutoRun
MortgageCalculator.setFormId(e),MortgageCalculator.removeOldErrors()
var r=MortgageCalculator.getFormData(e)
if("Rates"===r.type.value&&a&&(!staticGlobalsJSON||!staticGlobalsJSON.IS_CMS_SITE_AUTO_RATES_CALC_ON))return void console.log("Warning:  Auto Rates Widget execution cancelled due to global feature flag setting.")
return MortgageCalculator.validateFormData(r,a),MortgageCalculator.hasError?(MortgageCalculator.clearResults(),MortgageCalculatorTables.clearTables(!0),void RatesCalculator.resetRates()):(MortgageCalculator.calculateForm(r),MortgageCalculator.scrollToResults(),!1)}function onMortgageCalculatorButtonClick(t,e,a){switch(t.preventDefault(),e){case"add-debt":MortgageCalculatorDebtUtils.cloneDebtSection(a)
break
case"remove-debt":MortgageCalculatorDebtUtils.removeDebtSection(t)}}function downPaymentOnBlur(t,e){var a,r=MortgageCalculatorUtils.closest(t.target,"mortgage-calculators-widget-form"),n=r.id.substring(r.id.indexOf("form-js-")+8),o=document.getElementById("purchaseprice-"+n),i=document.getElementById("downpaymentamount-"+n),s=document.getElementById("downpaymentpercentage-"+n)
"amount"===e&&o.value&&(a=i.value.replace(/,/g,"")/o.value.replace(/,/g,""),s.value=(100*a).toFixed(3)),"percentage"===e&&o.value&&(a=o.value.replace(/,/g,"")*s.value.replace(/,/g,"")/100,i.value=MortgageCalculatorUtils.formatNumbers(a.toString(),2,!0,!1))}var EPPS="epps",OB="ob",EPC="epcPpe",RatesFieldMapping,staticGlobalsJSON,runtimeRelativeFileResolver=function(t,e){return e=e||"",window.___ems_build?"runtime/"+t:"../../runtime/"+e+t}
window.Elli||function(){var t=document.createElement("script"),e="",a=window.___ems_build?"utils.js":"utils.min.js"
if(window.location.toString().indexOf(".int.mymortgage-app.net")>-1&&window.location.search.indexOf("runtimefolder")>-1){var r=encodeURI(window.location.search).replace("?","").split("&")[0].split("=")[1]
e=r?r+"/":""}t.src=runtimeRelativeFileResolver(a,e),t.type="text/javascript"
var n=(window.___ems_build?"head ":"body ")+' script[src*="vendors/jquery"]:first'
$(n).after(t)}(),function(t){if(!RatesFieldMapping){var e=runtimeRelativeFileResolver("ratesFieldMapping.json")
t.getJSON(e).done(function(t){RatesFieldMapping=t})}}(jQuery)
var MortgageCalculatorUtils={allowNumbersOnly:function(t,e,a,r){var n=t.target.value,o=n.split("."),i=t.keyCode>=48&&t.keyCode<=57||t.keyCode>=96&&t.keyCode<=105,s=110===t.keyCode||190===t.keyCode,l=109===t.keyCode||189===t.keyCode
return t.shiftKey?t.preventDefault():(n.length!==a||this.isTextSelected(t))&&(0!==e||i||r&&l)&&(s||i||r&&l)?void(e>0&&o.length>1&&o[1].length===e&&t.preventDefault()):t.preventDefault()},isEPCPPE:function(){var t=RatesCalculator.ratesApiSettings.productPricingProvider,e=RatesCalculator.ratesApiSettings.pricingEngineProviders
return!!(t===EPC||e.PPE&&e.PPE[t])},formatNumbers:function(t,e,a,r){var n=r&&0===t.indexOf("-")?"-":""
t=t.replace(/[^0-9.]+/g,""),t=t.split("."),t.length>1&&t.splice(t.length-1,0,"."),t=t.join("")
var o=t.split(".")
return a&&(o[0]=o[0].replace(/\d(?=(?:\d{3})+$)/g,"$&,")),o.length>1&&(o[1]=o[1].substring(0,e)),n+o.join(".")},isTextSelected:function(t){return t.target.selectionStart!==t.target.selectionEnd},closest:function(t,e){return t===document?null:t&&(t.classList.contains(e)?t:this.closest(t.parentNode,e))},isElementVisible:function(t){var e=t.getBoundingClientRect(),a=Math.max(document.documentElement.clientHeight,window.innerHeight)
return!(e.bottom<0||e.top-a>=0)},convertCamelCase:function(t){var e=""
return e=t.replace(/([a-z])([A-Z])/g,"$1 $2"),e=e.replace(/([0-9])([A-Z])/g,"$1 $2"),e=e.replace(/([a-z])([0-9])/g,"$1 $2"),e=e.replace(/([a-z])([0-9])/g,"$1 $2"),e=e.replace(/([a-z])(&)/g,"$1 $2"),e=e.replace(/(&)([A-Z])/g,"$1 $2")}},MortgageCalculatorDebtUtils={cloneCount:0,removeDebtSection:function(t){var e=t.target.parentElement
e&&this.cloneCount>0&&(e.remove(),this.cloneCount--)},cloneDebtSection:function(t){var e=document.getElementById("add-debt-container-"+t+"-js"),a=e.cloneNode(!0)
a.classList.add("is-clone"),a.id+="-"+(this.cloneCount+1),this.cleanClonedFields(a)},cleanClonedFields:function(t){for(var e=t.querySelectorAll("input, select"),a=t.querySelectorAll(".mortgage-calculators-error"),r=0;r<a.length;r++)a[r].remove()
for(var n="-"+(this.cloneCount+1),o=0;o<e.length;++o)"SELECT"===e[o].tagName&&(e[o].value="Mortgage"),"INPUT"===e[o].tagName&&(e[o].value=""),e[o].name+=n,e[o].id=e[o].id.replace("-",n+"-"),e[o].classList.remove("is-calculator-error")
this.insertClonedElement(t),this.cloneCount++},insertClonedElement:function(t){var e=document.getElementsByClassName("mortgage-calculators-add-debt-container")
e[e.length-1].insertAdjacentElement("afterend",t)}},MortgageCalculatorTables={headers:[],data:{},id:null,isGrandTotal:!1,tablesHTML:"",init:function(t,e,a,r){this.headers=t,this.data=e,this.id=a,this.isGrandTotal=r,this.buildTables(),this.setTables()},clearTables:function(t){if(this.id){var e=["mortgage-calculators-widget-tables-js-"]
t&&e.push("mortgage-calculators-widget-tables-grandtotal-js-"),this.clearTablesHelper(e),document.getElementById("mortgage-calculators-widget-tables-href-js-"+this.id).classList.remove("is-active")}},clearTablesHelper:function(t){for(var e,a=0;a<t.length;a++)e=document.getElementById(t[a]+this.id),e.innerHTML=""},setTables:function(){var t,e=this.isGrandTotal?"mortgage-calculators-widget-tables-grandtotal-js-":"mortgage-calculators-widget-tables-js-"
e+=this.id,t=document.getElementById(e),t.innerHTML=this.tablesHTML,document.getElementById("mortgage-calculators-widget-tables-href-js-"+this.id).classList.add("is-active")},buildTables:function(){for(var t="",e=0;e<this.data.length;e++)"Grand Total"===this.data[e].header?t+=this.buildGrandTotalTable(this.data[e]):t+=this.buildTable(this.data[e])
this.tablesHTML=t},buildGrandTotalTable:function(t){var e=t.hasOwnProperty("rowHeaders")?t.rowHeaders:this.headers,a='<table class="mortgage-calculators-table is-grandtotal">'
return a+=this.buildTablePreHeadRow(e,t),a+=this.buildTableBody(e,t.totals,!0),a+="</table>"},buildTable:function(t){var e=t.hasOwnProperty("rowHeaders")?t.rowHeaders:this.headers,a='<table class="mortgage-calculators-table">'
return a+=this.buildTableHead(e,t),a+=t.hasOwnProperty("rows")?this.buildTableBody(e,t.rows):"",a+=t.hasOwnProperty("totals")?this.buildTableFooter(e,t.totals):"",a+="</table>"},buildTableHead:function(t,e){var a=this.buildTablePreHeadRow(t,e)
return a+="<thead>",a+=this.buildTableHeadRow(t),a+="</thead>"},buildTablePreHeadRow:function(t,e){var a='<caption class="mortgage-calculators-table-row-header theme-title-text">'
return a+=e.header,a+="</caption>"},buildTableHeadRow:function(t){for(var e="<tr>",a=0;a<t.length;a++)e+=this.buildTableHeader(t[a])
return e+="</tr>"},buildVerticalRows:function(t,e){for(var a="",r=0;r<t.length;r++)a+=this.buildVerticalRow(t[r],e)
return a},buildVerticalRow:function(t,e){var a="<tr>"
return a+=this.buildTableHeader(t),a+=this.buildTableData(e[t]),a+="</tr>"},buildTableBody:function(t,e,a){var r="<tbody>"
if(a)r+=this.buildVerticalRows(t,e)
else for(var n=0;n<e.length;n++)r+=this.buildTableRow(t,e[n])
return r+="</tbody>"},buildTableFooter:function(t,e){var a="<tfoot>"
return a+=this.buildTableRow(t,e),a+="</tfoot>"},buildTableRow:function(t,e){for(var a="<tr>",r=0;r<t.length;r++)a+=this.buildTableData(e[t[r]])
return a+="</tr>"},buildTableData:function(t){return'<td class="theme-body-text">'+t+"</td>"},buildTableHeader:function(t){return'<th class="theme-body-text" scope="col">'+MortgageCalculatorUtils.convertCamelCase(t)+"</th>"}},MortgageCalculator={hasError:!1,formId:null,REQUIRED_MSG:"*Required",setFormId:function(t){this.formId=t.id.substring(t.id.indexOf("js-")+3)},getFieldIdentifier:function(t){return t.replace(/( |'|\?|\(|\)|\/|&)/g,"").toLowerCase()},getFormData:function(t){for(var e=t.querySelectorAll("input, select"),a={},r=0;r<e.length;++r){var n=e[r]
n.classList.remove("is-calculator-error")
var o=JSON.parse(JSON.stringify(n.dataset)),i=n.name,s=n.value,l=n.type||"",u=MortgageCalculatorUtils.closest(n,"mortgage-calculators-widget-form-group")
i&&"radio"!==l?a[i]={name:i,isHidden:"text"===l&&u.classList.contains("is-hidden"),value:s.replace(/,/g,""),properties:o,text:"select-one"===l&&n.selectedIndex>-1?n.options[n.selectedIndex].label:""}:n.checked&&(a[i]={name:i,value:s,properties:o,isHidden:!1})}return a},validateFormData:function(t,e){this.hasError=!1,this.isAutoRun=e
var a=this.REQUIRED_MSG
for(var r in t)if(t.hasOwnProperty(r)){var n="false"!==t[r].properties.allowzerovalues
t[r].value&&(n||parseFloat(t[r].value))||t[r].isHidden?t[r].isHidden||this.checkValidations(t[r],t):(this.addErrorToInput(r,a),this.hasError=!0)}},checkValidations:function(t,e){this.checkMinAndMax(t),this.checkDateFormat(t),this.checkLessThanOtherField(t,e),this.checkLessThanOrEqualToOtherField(t,e),this.checkCustomValidations(t,e),this.checkRegExValidations(t)},checkMinAndMax:function(t){var e=t.properties,a=parseFloat(t.value),r=e.hasOwnProperty("min"),n=e.hasOwnProperty("max"),o=""
r&&n?(a<e.min||a>e.max)&&(o="Value must be between "+MortgageCalculatorUtils.formatNumbers(e.min,5,!0,!0)+" and "+MortgageCalculatorUtils.formatNumbers(e.max,5,!0,!0),this.addErrorToInput(t.name,o),this.hasError=!0):n?a>e.max&&(o="Value must be less than "+MortgageCalculatorUtils.formatNumbers(e.max,5,!0,!0),this.addErrorToInput(t.name,o),this.hasError=!0):r&&a<e.min&&(o="Value must be greater than "+MortgageCalculatorUtils.formatNumbers(e.min,5,!0,!0),this.addErrorToInput(t.name,o),this.hasError=!0)},checkDateFormat:function(t){var e=t.properties,a=t.value,r=e.hasOwnProperty("dateformat"),n="Please enter a valid date"
if(r&&"mm/yyyy"===e.dateformat){var o=a.split("/")
if(2!==o.length)this.addErrorToInput(t.name,n),this.hasError=!0
else{var i=parseInt(o[0],10),s=parseInt(o[1],10);(!i||!s||i<1||i>12||4!==o[1].length)&&(this.addErrorToInput(t.name,n),this.hasError=!0)}}},checkLessThanOtherField:function(t,e){var a=t.properties,r=parseFloat(t.value)
a.hasOwnProperty("lessthan")&&(r>=e[this.getFieldIdentifier(a.lessthan)].value&&(this.addErrorToInput(t.name,"Value must be less than "+a.lessthan),this.hasError=!0))},checkLessThanOrEqualToOtherField:function(t,e){var a=t.properties,r=parseFloat(t.value)
a.hasOwnProperty("lessthanorequal")&&(r>e[this.getFieldIdentifier(a.lessthanorequal)].value&&(this.addErrorToInput(t.name,"Value must be less than or equal to "+a.lessthanorequal),this.hasError=!0))},checkRegExValidations:function(t){var e=t.properties,a=t.value
e.hasOwnProperty("regex")&&(new RegExp(e.regex).test(a)||(this.addErrorToInput(t.name,e.regexerrormessage),this.hasError=!0))},checkCustomValidations:function(t,e){var a=t.properties
a.hasOwnProperty("custom")&&("firstInterestVsMonthlyPayment"===a.custom&&this.checkFirstInterestVsMonthlyPayment(t,e),"numberOfUnitsValidation"===a.custom&&this.numberOfUnitsValidation(t,e))},numberOfUnitsValidation:function(t,e){var a=parseInt(t.value),r=e.propertytype
RatesCalculator.ratesApiSettings.productPricingProvider===EPPS&&"Multi-UnitProperty"===r.value||MortgageCalculatorUtils.isEPCPPE()&&"Detached-Multi"===r.value?(a<2||a>4)&&(this.addErrorToInput(t.name,"Value must be 2, 3, or 4 units for this property type."),this.hasError=!0):1!==a&&(this.addErrorToInput(t.name,"Value must be equal to 1 for this property type."),this.hasError=!0)},checkFirstInterestVsMonthlyPayment:function(t,e){var a=t.name.indexOf("-"),r=a>-1?t.name.substring(a):"",n=parseFloat(t.value),o=e["interestrate"+r].value/100/12,i=e["balance"+r].value,s=i*o
s>=n&&(this.addErrorToInput(t.name,"Value must be greater than "+s.toFixed(2)),this.hasError=!0)},addErrorToInput:function(t,e){if(!this.isAutoRun||e!==this.REQUIRED_MSG){var a=document.getElementById(t+"-"+this.formId),r=this.createErrorElement(e)
a&&(a.classList.add("is-calculator-error"),a.parentElement.appendChild(r))}},createErrorElement:function(t){var e=document.createElement("div")
return e.innerHTML=t,e.classList.add("mortgage-calculators-error"),e},removeOldErrors:function(){for(var t=document.getElementById("mortgage-calculators-widget-form-js-"+this.formId),e=t.getElementsByClassName("mortgage-calculators-error");e.length>0;)e[0].parentNode.removeChild(e[0])},calculateForm:function(t){switch(t.type.value){case"Early Payoff":this.calculateEarlyPayoff(t)
break
case"Payment / Amortization":this.calculatePaymentAmortization(t)
break
case"Refinance Break-Even Point":this.calculateRefinanceBreakEvenPoint(t)
break
case"Prepayment Savings":this.calculatePrepaymentSavings(t)
break
case"Annual Percentage Rate (APR)":this.calculateAPR(t)
break
case"Rent Vs. Own":this.calculateRentVsOwn(t)
break
case"Debt Consolidation":this.calculateDebtConsolidation(t)
break
case"Tax Savings":this.calculateTaxSavings(t)
break
case"Rates":this.calculateRates(t)}},clearResults:function(){for(var t=document.getElementById("mortgage-calculators-widget-results-js-"+this.formId),e=t.getElementsByClassName("mortgage-calculators-widget-result"),a=0;a<e.length;a++){"spinner"!==e[a].dataset.type&&("undefined"!==e[a].dataset.placeholder&&(e[a].innerHTML=e[a].dataset.placeholder))}},setResults:function(t){for(var e=document.getElementById("mortgage-calculators-widget-results-js-"+this.formId),a=e.getElementsByClassName("mortgage-calculators-widget-result"),r=0;r<a.length;r++){var n=t[a[r].id],o=a[r].parentElement
if(n){o.classList.remove("is-hidden")
var i=a[r].dataset.type
if("spinner"===i)continue
if("object"==typeof n&&n.hasOwnProperty("value")&&n.hasOwnProperty("label")){o.getElementsByClassName("mortgage-calculators-widget-subtitle")[0].innerHTML=n.label,n=n.value}"noresults"===i&&(o.getElementsByClassName("mortgage-calculators-widget-subtitle")[0].innerHTML=""),a[r].innerHTML=this.getResultHtml(i,n)}else o.classList.add("is-hidden")}},getResultHtml:function(t,e){var a
switch(t){case"amount":return e=Math.round(100*e)/100,a="$"+MortgageCalculatorUtils.formatNumbers(e.toFixed(2),2,!0,!1),e<0?"("+a+")":a
case"percentage":return e=Math.round(1e3*e)/1e3,a=MortgageCalculatorUtils.formatNumbers(e.toFixed(3),3,!0,!0)+"%"
case"text":return e.toString()
case"error":return'<span style="color: #e34256">'+e+"</span>"
case"noresults":return'<div class="rates-error-header">'+e[0]+'</div><div class="rates-error-body">'+e[1]+"</div>"
case"summary":var r=0,n="",o="",i=Object.keys(e).length-1,s="",l="mortgage-calculators-summary",u="",c="",d="",m=""
return document.getElementById("in-editor-js")?(s=l+" summary-grid-container-with-builder",d=l+" summary-grid-item-with-builder"):(s=l+" summary-grid-container",d=l+" summary-grid-item"),Object.keys(e).forEach(function(t){a=isNaN(e[t])?e[t]:"$"+MortgageCalculatorUtils.formatNumbers(parseFloat(e[t],10).toFixed(2),2,!0,!1),m=r<=0?l+" summary-first-item":r>=i?l+" summary-last-item":l+" summary-item",n='<span class="mortgage-calculators-summary summary-header">'+t+"</span>",o='<span class="mortgage-calculators-summary summary-value">'+a+"</span>",c='<span class="'+m+'">'+n+o+"</span>",u+=c,r++}),'<div class="'+s+'"><div class="'+d+'">'+u+"</div></div>"
default:return""}},scrollToResults:function(){var t=document.getElementById("mortgage-calculators-widget-results-title-js-"+this.formId)
if(!MortgageCalculatorUtils.isElementVisible(t)){var e,a
$("#in-editor-js").length>0?(e=$(".site-builder-preview-container"),a=e.scrollTop()+$(t).offset().top-e.offset().top-20):(e=$("body"),a=$(t).offset().top-20),e.animate({scrollTop:a})}},calculateEarlyPayoff:function(t){var e=12*t.originalloanterm.value,a=12*t.requestedyearstopayoff.value,r=t.originalinterestrate.value/100/12,n=t.monthsalreadypaid.value,o=t.originalloanamount.value,i=this.getMonthlyPayment(r,e,o),s=o-this.getPrincipalAndInterestPaid(r,o,i,0,n).principalPaid,l=this.getMonthlyPayment(r,a,s),u=l-i,c={currentmonthlypayment:i,earlypayoffmonthlypayment:l,additionalmonthlypayment:u}
this.setResults(c)},calculatePaymentAmortization:function(t){var e,a,r=12*t.loanterm.value,n=t.interestrate.value/100/12,o=t.loanamount.value,i=t.showamortizationtable.value,s=t.beginningmonthyear?this.getDateFromMonthAndYear(t.beginningmonthyear.value):this.getDateForBeginningOfCurrentMonth(),l=this.getMonthlyPayment(n,r,o),u={}
if("Fixed Rate"===t.loantype.value)"No"!==i&&(e={monthlyRate:n,loanAmount:o,termMonths:r,monthlyPayment:l,beginningDate:s},a=this.getAmortizationSchedule(e)),u.monthlypayment=l,u.initialmonthlypayment="",u.maximummonthlypayment=""
else{e={monthlyRate:n,loanAmount:o,termMonths:r,monthlyPayment:l,maxPeriodicMonthlyRateIncrease:t.maxperiodicrateincrease.value/100/12,maxLifetimeMonthlyRateIncrease:t.maxlifetimerateincrease.value/100/12,monthsWithInitialRate:t.presentratechangesafter.value,monthsBetweenRateChanges:t.ratecanchangeevery.value,beginningDate:s},a=this.getAmortizationSchedule(e)
var c=Math.max.apply(Math,a.map(function(t){return t.payment}))
u.initialmonthlypayment=l,u.maximummonthlypayment=c,u.monthlypayment=""}if("No"!==i&&a&&(u.amortizationTable=this.getAmortizationTableFromSchedule(a,i)),this.setResults(u),u.hasOwnProperty("amortizationTable")){var d=["timePeriod","payment","principal","interest","balance"]
MortgageCalculatorTables.init(d,u.amortizationTable.slice(0,1),this.formId,!0),MortgageCalculatorTables.init(d,u.amortizationTable.slice(1),this.formId,!1)}else MortgageCalculatorTables.clearTables(!0)},calculateRefinanceBreakEvenPoint:function(t){var e=t.currentmonthlypayment.value,a=t.newloanamount.value,r=t.newinterestrate.value/100/12,n=12*t.loanterm.value,o=t.closingcosts.value,i=this.getMonthlyPayment(r,n,a),s=e-i,l="Never"
s>0&&(l=Math.ceil(o/s))
var u={newmonthlypayment:i,monthlysavings:s,numberofmonthstobreakeven:l}
this.setResults(u)},calculatePrepaymentSavings:function(t){var e,a
void 0===t.additionalpaymentamount?(e=parseFloat(t["additionalpaymentamount-input"].value),a=t["additionalpaymentamount-dropdown"].value):(e=parseFloat(t.additionalpaymentamount.value),a=t.prepaymentfrequency.value)
var r,n,o=t.makefirstadditionalpayment.value,i=t.presentloanbalance.value,s=t.interestrate.value/100,l=t.remainingloantermyear.value,u=t.remainingloantermmonth.value,c=t.showamortizationtable.value,d=12*l+parseInt(u,10),m=s/12,h=this.getMonthlyPayment(m,d,i),g=this.getDateForBeginningOfCurrentMonth(),p={monthlyRate:m,loanAmount:i,termMonths:d,monthlyPayment:h,firstAdditionalPayment:o,additionalPaymentAmountFrequency:a,beginningDate:g},f={}
"Fixed Rate"!==t.loantype.value&&(p.maxPeriodicMonthlyRateIncrease=t.maxperiodicrateincrease.value/100/12,p.maxLifetimeMonthlyRateIncrease=t.maxlifetimerateincrease.value/100/12,p.monthsWithInitialRate=t.presentratechangesafter.value,p.monthsBetweenRateChanges=t.ratecanchangeevery.value),r=this.getAmortizationSchedule(p),p.additionalPaymentAmount=e,n=this.getAmortizationSchedule(p)
var y=this.monthsToYearsAndMonthsString(d-n.length),v=this.sum(r,"interest")-this.sum(n,"interest")
if(f.loantermreduction=y,f.interestsavings=v,this.setResults(f),"No"!==c&&(f.amortizationTable=this.getAmortizationTableFromSchedule(n,c)),f.hasOwnProperty("amortizationTable")){var b=["timePeriod","payment","extraPayment","principal","interest","balance"]
MortgageCalculatorTables.init(b,f.amortizationTable.slice(0,1),this.formId,!0),MortgageCalculatorTables.init(b,f.amortizationTable.slice(1),this.formId,!1)}else MortgageCalculatorTables.clearTables(!0)},calculateAPR:function(t){var e=12*t.loanterm.value,a=t.interestrate.value/100/12,r=t.loanamount.value,n=this.getClosingCosts(t,r,12*a),o=this.getDateForBeginningOfCurrentMonth(),i=this.getMonthlyPayment(a,e,r),s=+r+ +n,l=this.getMonthlyPayment(a,e,s)
if("Adjustable Rate"===t.loantype.value){var u={monthlyRate:a,loanAmount:s,termMonths:e,monthlyPayment:l,beginningDate:o,maxPeriodicMonthlyRateIncrease:t.maxperiodicrateincrease.value/100/12,maxLifetimeMonthlyRateIncrease:t.maxlifetimerateincrease.value/100/12,monthsWithInitialRate:t.presentratechangesafter.value,monthsBetweenRateChanges:t.ratecanchangeevery.value},c=this.getAmortizationSchedule(u),d=this.sum(c,"payment")
l=this.round(d/c.length)}for(var m=a;this.getMonthlyPayment(m,e,r)<l;)m+=1e-5/12
var h={initialmonthlypayment:i,apr:12*m*100}
this.setResults(h)},getClosingCosts:function(t,e,a){return"Enter Total Closing Costs"===t.closingcosts.value?t.totalclosingcosts.value:+t.pointstolender.value/100*e+ +t.loanoriginationfeetolender.value+ +t.pointstobroker.value/100*e+ +t.loanoriginationfeetobroker.value+15*+t.yearlyprivatemortgageinsurance.value/365+ +t.lendersinspectionfee.value+ +t.taxservicefee.value+ +t.underwritingreviewfee.value+ +t.applicationfee.value+ +t.brokerprocessingfee.value+ +t.otherexclappraisaltitleescrowattorney.value+e*a*15/365},calculateRentVsOwn:function(t){var e,a=+t.homepurchaseprice.value,r=+t.howlongbeforeselling.value,n=12*r,o=.003*a/12,i=t.annualhomemaintenance.value/100*a,s=a-t.downpayment.value,l=s/a,u=s*this.getInsurancePerLoanDollar(l),c=t.mortgageinterestrate.value/100/12,d=this.getMonthlyPayment(c,360,s),m=this.getPrincipalAndInterestPaid(c,s,d,0,n),h=t.propertytaxrate.value/100,g=(t.estimatedhomepurchasecosts.value/100*a+h*a*r+m.interestPaid)*t.yourincometaxrate.value/100,p=h*a/12,f=+t.monthlyrent.value,y=+t.monthlyrentersinsurance.value,v=f+y,b=d+p+o+u,P=t.annualrentincrease.value/100
e=0!==P?12*f*(Math.pow(1+P,r)-1)/P+y*n:v*n
var w=b*n+i*r,M=e/n,R=(w-g)/n,T=M-R,C=a*Math.pow(1+t.annualhomeappreciation.value/100,r),A=C*t.sellingcosts.value/100,I=(+t.downpayment.value+ +t.estimatedhomepurchasecosts.value/100*a)*Math.pow(1+t.interestearnedondownpayment.value/100/12,n),x=s-m.principalPaid,E=C-A-x-I,D=e-w+g,O=E+D,S=O>0?"Own":"Rent",F={"shouldyourentorown?":S,averagemonthlypaymentsavings:{value:T,label:"Average Monthly Payment Savings if "+S+"ing"},estimatedtotalgain:{value:Math.abs(O),label:"Estimated Total Gain if "+S+"ing"}}
this.setResults(F)
var L=[{description:"Initial Rent Payment",rent:f,own:"-"},{description:"Renter's Insurance",rent:y,own:"-"},{description:"Mortgage Payment",rent:"-",own:d},{description:"PMI (Mortgage Insurance)",rent:"-",own:u},{description:"Property Taxes",rent:"-",own:p},{description:"Homeowner's Insurance",rent:"-",own:o},{description:"Before Tax Monthly Payment",rent:v,own:b},{description:"Annual Home Maintenance",rent:"-",own:i},{description:"Total Payments Over "+r+" Years",rent:e,own:w},{description:"Total Tax Savings Over "+r+" Years",rent:"-",own:g},{description:"Average After Tax Monthly Payment",rent:M,own:R}],N={header:"Payment Considerations",rowHeaders:["description","rent","own"],rows:this.formatRentVsOwnRows(JSON.parse(JSON.stringify(L)))},k=[{description:"Estimated Home Selling Price",total:C},{description:"Loan Balance",total:x},{description:"Estimated Cost to Sell",total:A},{description:"Down Payment & Initial Closing Costs with Unearned Interest",total:I},{description:"Investment Gain of Owning vs. Renting",total:E},{description:"Total Payment Savings of Owning vs. Renting",total:D},{description:"Combined Gain of Owning vs. Renting",total:O}],U={header:"Investment Considerations After "+r+" Years",rowHeaders:["description","total"],rows:this.formatRentVsOwnRows(JSON.parse(JSON.stringify(k)))}
MortgageCalculatorTables.init([],[N,U],this.formId,!1)},calculateDebtConsolidation:function(t){t["balance-0"]=t.balance,t["typeofcredit-0"]=t.typeofcredit,t["monthlypayment-0"]=t.monthlypayment,t["interestrate-0"]=t.interestrate
for(var e=parseFloat(t.term.value),a=parseFloat(t.newinterestrate.value),r=parseFloat(t.estimatedclosingcosts.value),n=0,o=0,i=0,s=0,l=0,u=0,c=0;c<=MortgageCalculatorDebtUtils.cloneCount;c++){var d=parseFloat(t["balance-"+c].value),m=parseFloat(t["monthlypayment-"+c].value),h=t["interestrate-"+c].value/100/12,g=this.getAmortizationSchedule({loanAmount:d,monthlyRate:h,monthlyPayment:m,termMonths:1e4,beginningDate:new Date})
i+=d,s+=m,g.length>n&&(n=g.length),"mortgage"===t["typeofcredit-"+c]&&g.length>o&&(o=g.length),u+=this.sum(g,"interest")}l=i+u
var p=12*e,f=a/100/12,y=this.getMonthlyPayment(f,p,i),v=this.getPrincipalAndInterestPaid(f,i,y,0,p).interestPaid,b=i+v+r,P={blank:"After Debts Consolidated",monthlyPayment:y,timeToPayOffAllDebts:p,"totalInterest&RefinanceCosts":v,totalPayout:b},w=this.getMonthlyPayment(f,n,i),M=n,R=this.getPrincipalAndInterestPaid(f,i,w,0,M).interestPaid,T=i+R+r,C={blank:"After Debts Consolidated",monthlyPayment:w,timeToPayOffAllDebts:M,"totalInterest&RefinanceCosts":R,totalPayout:T},A=s,I=this.getAmortizationSchedule({loanAmount:i,monthlyRate:f,monthlyPayment:A,termMonths:1e4,beginningDate:new Date}),x=I.length,E=this.sum(I,"interest"),D=i+E+r,O={blank:"After Debts Consolidated",monthlyPayment:A,timeToPayOffAllDebts:x,"totalInterest&RefinanceCosts":E,totalPayout:D},S={blank:"Present Financing",monthlyPayment:s,timeToPayOffAllDebts:n,"totalInterest&RefinanceCosts":u,totalPayout:l},F="1. Full "+e+" Year Term of the New Loan",L=this.buildDebtConsolidationTable(F,S,P),N=this.buildDebtConsolidationTable("2. Keeping Original Home Pay Off Date",S,C),k=this.buildDebtConsolidationTable("3. Keeping Original Monthly Payment",S,O)
MortgageCalculatorTables.init([],[L,N,k],this.formId,!1)
var U=this.monthsToYearsAndMonthsString(Math.abs(n-x))
U+=n>=x?" earlier":" later"
var B=s>=y?"decreased":"increased",$=s>=w?"decreased":"increased",H=new Date
H.setMonth(H.getMonth()+n),H=this.getMonthAndYearFromDate(H)
var z={totaldebttoberefinanced:i,"ifusingthetermofthenewloan,themonthlypaymentdecreasedby:":{value:Math.abs(s-y),label:"If using the full "+e+" year term of the new loan, the monthly payment "+B+" by:"},"ifkeepingtheorginalpayoffdate,themonthlypaymentdecreasedby:":{value:Math.abs(s-w),label:"If keeping the original pay off date ("+H+"), the monthly payment "+$+" by:"},"ifkeepingtheorginalpayment,alldebtwillbepaidoff:":U}
this.setResults(z)},calculateRates:function(t){RatesCalculator.calculateRates(t,this.formId,this.setResults.bind(this))},getInsurancePerLoanDollar:function(t){return t<=.8?0:t<=.85?.23/1200:t<=.9?325e-6:t<=.95?.71/1200:t<=.97?.95/1200:0},calculateTaxSavings:function(t){var e=12*t.loanterm.value,a=t.interestrate.value/100/12,r=+t.loanamount.value,n=t.calculatetaxsavingsafter.value,o=t.yourincometaxrate.value/100,i=t.points.value/100,s=this.getMonthlyPayment(a,e,r),l=this.round(t.propertyvalue.value*t.propertytaxrate.value/100),u=this.getTaxSavingsSchedule(n,a,e,r,s,l,o,i),c=this.round(this.sum(u,"yearlyTaxSavings"))
this.setResults({totaltaxsavings:c,monthlymortgagepayment:s,annualpropertytax:l})
var d=this.getTaxSavingsTableFromSchedule(u)
MortgageCalculatorTables.init(["year","mortgagePayment","interestPaid","yearlyTaxSavings"],[d],this.formId,!1)},getTaxSavingsSchedule:function(t,e,a,r,n,o,i,s){for(var l=[],u=r,c=0;c<t;c++){var d=this.getPrincipalAndInterestPaid(e,u,n,12*c,12*c+12)
l.push({year:"Year "+(c+1),mortgagePayment:12*n+o,interestPaid:d.interestPaid,yearlyTaxSavings:this.round(i*(d.interestPaid+o))}),u-=d.principalPaid}return l[0].yearlyTaxSavings+=this.round(s*r*i),l},isMonthToMakeAdditionalPayment:function(t,e){var a=new Date,r=12-a.getMonth()
return"Starting Next Month"===e.firstAdditionalPayment?"Monthly"===e.additionalPaymentAmountFrequency?t>0:t%12==1:"Starting Next Year"===e.firstAdditionalPayment?"Monthly"===e.additionalPaymentAmountFrequency?t>=r:t>=r&&(t-r)%12==0:"One Year From Now"===e.firstAdditionalPayment?"Monthly"===e.additionalPaymentAmountFrequency?t>=12:t>=12&&t%12==0:void 0},getPercentageOfLoanAmountPerMonth:function(t,e){return e<=0?1:t/(1-1/Math.pow(1+t,e))},getMonthlyPayment:function(t,e,a){return this.round(this.getPercentageOfLoanAmountPerMonth(t,e)*a)},getPrincipalAndInterestPaid:function(t,e,a,r,n){for(var o=0,i=0,s=0,l=0,u=r;u<n;u++)s=this.round(e*t),l=a-s,e-=l,o+=s,i+=l
return{principalPaid:i,interestPaid:o}},getAmortizationSchedule:function(t){for(var e,a=[],r=t.loanAmount,n=t.monthlyRate,o=t.monthlyPayment,i=new Date(JSON.parse(JSON.stringify(t.beginningDate))),s=0;s<t.termMonths;s++){a[s]={timePeriod:this.getMonthAndYearFromDate(i),extraPayment:0},void 0===t.monthsWithInitialRate||s<t.monthsWithInitialRate?(a[s].payment=t.monthlyPayment,t.hasOwnProperty("additionalPaymentAmount")&&this.isMonthToMakeAdditionalPayment(s,t)&&(a[s].extraPayment=t.additionalPaymentAmount)):((s-t.monthsWithInitialRate)%t.monthsBetweenRateChanges==0&&(e=t.monthlyRate+t.maxLifetimeMonthlyRateIncrease,n<e&&(n=Math.min(n+t.maxPeriodicMonthlyRateIncrease,e),o=this.getMonthlyPayment(n,t.termMonths-s,r))),a[s].payment=o,t.hasOwnProperty("additionalPaymentAmount")&&this.isMonthToMakeAdditionalPayment(s,t)&&(a[s].extraPayment=t.additionalPaymentAmount))
var l=a[s].payment
l+=a[s].hasOwnProperty("extraPayment")?a[s].extraPayment:0
var u=this.getPrincipalAndInterestPaid(n,r,l,s,s+1)
if(a[s].principal=u.principalPaid,a[s].interest=u.interestPaid,r-=u.principalPaid,s===t.termMonths-1||r<=0){0===a[s].extraPayment?a[s].payment+=r:a[s].extraPayment+=r,a[s].principal+=r,r=0,a[s].balance=r,a[s].principal+a[s].interest<=a[s].payment&&(a[s].extraPayment=0,a[s].payment=a[s].principal+a[s].interest)
break}a[s].balance=r,i.setMonth(i.getMonth()+1)}return a},getAmortizationTableFromSchedule:function(t,e){var a,r,n=[]
if(n.push({header:"Grand Total",totals:this.getAmortizationTotals(t,!0)}),"Monthly"===e)for(a=0;a<t.length;a+=12)r=JSON.parse(JSON.stringify(t.slice(a,a+12))),n.push({header:"Monthly Amortization Schedule - Year "+(a/12+1),rows:this.formatAmortizationRows(JSON.parse(JSON.stringify(r))),totals:this.getAmortizationTotals(r,!0,!0)})
else if("Yearly"===e){var o=[]
for(a=0;a<t.length;a+=12)r=JSON.parse(JSON.stringify(t.slice(a,a+12))),o.push(this.getAmortizationTotals(r,!1))
n.push({header:"Yearly Amortization Schedule",rows:this.formatAmortizationRows(JSON.parse(JSON.stringify(o)))})}return n},getAmortizationTotals:function(t,e,a){var r=this.sum(t,"payment"),n=this.sum(t,"principal"),o=this.sum(t,"interest"),i=t[t.length-1].balance,s=this.sum(t,"extraPayment")
return e&&(r="$"+MortgageCalculatorUtils.formatNumbers(r.toFixed(2),2,!0),n="$"+MortgageCalculatorUtils.formatNumbers(n.toFixed(2),2,!0),o="$"+MortgageCalculatorUtils.formatNumbers(o.toFixed(2),2,!0),i="$"+MortgageCalculatorUtils.formatNumbers(i.toFixed(2),2,!0),s="$"+MortgageCalculatorUtils.formatNumbers(s.toFixed(2),2,!0)),{timePeriod:a?"Total":t[0].timePeriod+" - "+t[t.length-1].timePeriod,payment:r,principal:n,interest:o,balance:i,extraPayment:s}},buildDebtConsolidationTable:function(t,e,a){var r=["blank","monthlyPayment","timeToPayOffAllDebts","totalInterest&RefinanceCosts","totalPayout"],n=[e,a],o={blank:"Payment Reduction",monthlyPayment:e.monthlyPayment-a.monthlyPayment,timeToPayOffAllDebts:"","totalInterest&RefinanceCosts":e["totalInterest&RefinanceCosts"]-a["totalInterest&RefinanceCosts"],totalPayout:e.totalPayout-a.totalPayout}
return n.push(o),{header:t,rowHeaders:r,rows:this.formatDebtConsolidationRows(JSON.parse(JSON.stringify(n)))}},formatAmortizationRows:function(t){for(var e=0;e<t.length;e++)t[e].payment="$"+MortgageCalculatorUtils.formatNumbers(t[e].payment.toFixed(2),2,!0),t[e].principal="$"+MortgageCalculatorUtils.formatNumbers(t[e].principal.toFixed(2),2,!0),t[e].interest="$"+MortgageCalculatorUtils.formatNumbers(t[e].interest.toFixed(2),2,!0),t[e].balance="$"+MortgageCalculatorUtils.formatNumbers(t[e].balance.toFixed(2),2,!0),t[e].extraPayment="$"+MortgageCalculatorUtils.formatNumbers(t[e].extraPayment.toFixed(2),2,!0)
return t},formatRentVsOwnRows:function(t){for(var e,a=0;a<t.length;a++)"number"==typeof t[a].rent&&(e="$"+MortgageCalculatorUtils.formatNumbers(t[a].rent.toFixed(2),2,!0),t[a].rent=t[a].rent<0?"("+e+")":e),"number"==typeof t[a].own&&(e="$"+MortgageCalculatorUtils.formatNumbers(t[a].own.toFixed(2),2,!0),t[a].own=t[a].own<0?"("+e+")":e),"number"==typeof t[a].total&&(e="$"+MortgageCalculatorUtils.formatNumbers(t[a].total.toFixed(2),2,!0),t[a].total=t[a].total<0?"("+e+")":e)
return t},formatDebtConsolidationRows:function(t){for(var e=0;e<t.length;e++)t[e].monthlyPayment="$"+MortgageCalculatorUtils.formatNumbers(t[e].monthlyPayment.toFixed(2),2,!0),t[e].timeToPayOffAllDebts=t[e].timeToPayOffAllDebts?this.monthsToYearsAndMonthsString(t[e].timeToPayOffAllDebts):"",t[e]["totalInterest&RefinanceCosts"]="$"+MortgageCalculatorUtils.formatNumbers(t[e]["totalInterest&RefinanceCosts"].toFixed(2),2,!0),t[e].totalPayout="$"+MortgageCalculatorUtils.formatNumbers(t[e].totalPayout.toFixed(2),2,!0)
return t},getTaxSavingsTableFromSchedule:function(t){return{header:"Payment Considerations",rows:this.formatTaxSavingsRows(JSON.parse(JSON.stringify(t))),totals:this.getTaxSavingsTotals(t,!0)}},formatTaxSavingsRows:function(t){for(var e=0;e<t.length;e++)t[e].mortgagePayment="$"+MortgageCalculatorUtils.formatNumbers(t[e].mortgagePayment.toFixed(2),2,!0),t[e].interestPaid="$"+MortgageCalculatorUtils.formatNumbers(t[e].interestPaid.toFixed(2),2,!0),t[e].yearlyTaxSavings="$"+MortgageCalculatorUtils.formatNumbers(t[e].yearlyTaxSavings.toFixed(2),2,!0)
return t},getTaxSavingsTotals:function(t,e){var a=this.sum(t,"mortgagePayment"),r=this.sum(t,"interestPaid"),n=this.sum(t,"yearlyTaxSavings")
return e&&(a="$"+MortgageCalculatorUtils.formatNumbers(a.toFixed(2),2,!0),r="$"+MortgageCalculatorUtils.formatNumbers(r.toFixed(2),2,!0),n="$"+MortgageCalculatorUtils.formatNumbers(n.toFixed(2),2,!0)),{year:"Total",mortgagePayment:a,interestPaid:r,yearlyTaxSavings:n}},monthsToYearsAndMonthsString:function(t){if(t<=0)return"0 Years, 0 Months"
var e=t/12,a=Math.floor(e),r=t-12*a,n=1===a?"Year":"Years",o=1===r?"Month":"Months",i=a>0?a+" "+n:""
return i+=a>0&&r>0?", ":"",i+=r>0?r+" "+o:""},getDateFromMonthAndYear:function(t){var e=t.split("/"),a=parseInt(e[0],10)-1,r=parseInt(e[1],10)
return new Date(r,a,1)},getMonthAndYearFromDate:function(t){var e=t.getMonth()+1
return(e=e<10?"0"+e:e)+"/"+t.getFullYear()},getDateForBeginningOfCurrentMonth:function(){var t=new Date
return new Date(t.getFullYear(),t.getMonth(),1)},sum:function(t,e){return t.reduce(function(t,a){return t+a[e]},0)},round:function(t){return Math.round(100*(t+1e-5))/100}},RatesCalculator=function(){function t(t,e){window.setTimeout(function(){var a=document.querySelector("[name='"+t+"']"),r=document.querySelector("[name='"+e+"']")
if(a&&r){var n=window.CountyList.filter(function(t){return t.abbreviation===a.value})
r.innerHTML=n.length>0?n[0].counties.map(function(t){var e=void 0,a=void 0
return"string"==typeof t?e=a=t:(e=t.text,a=t.value),['<option value="'+a+'">',e,"</option>"].join("")}).join(""):r.innerHTML}},0)}function e(){var t=document.getElementById("rates-api-settings-json"),e={}
return t&&(e=JSON.parse(t.innerHTML)),e.productPricingProvider=e.productPricingProvider||EPPS,e}function a(t,e){e=void 0===e||e
var a="#rates-calculator-results-js-"+t
return e?a:a.replace("#","")}function r(){if(w()){$(a(T)).animate({scrollTop:0},"slow")}}function n(t){t=t||0
var a,r=MortgageCalculatorUtils.isEPCPPE()?EPC:e().productPricingProvider,n=RatesFieldMapping.config.api.GetRatesUriTokens[r],i=this,s=!1,l=this.tableData.filter(function(t){return t.isRootProgramRecord})
i.disableForm(!0),i.productGroupIdsLoaded=[],c(!1)
var d=function(t){a=i.ratesApiUrl+n.replace("{LOANID}",t.loanId).replace("{SITEID}",i.siteId)
var e="",r=""
return t.productGroupId?(e="ProductGroupId",r=t.productGroupId):(e="ProgramId",r=t.programId),a=a.replace("{TERM_KEY}",e).replace("{TERM_VALUE}",r),$.ajax({method:"GET",url:a,headers:{Authorization:"Bearer "+i.token},error:function(t){c(!0),u(!1)},complete:function(){++I>=x&&(s=!0,o()),i.disableForm(!1),0===i.tableData.length&&i.setResults({error:i.errorMessage})}})},m=l.slice(t,t+this.indexIncrement)
return $.when.apply($,m.map(function(t){return i.productGroupIdsLoaded.push(t.productGroupId||t.programId),d(t)})).then(function(){var e=Array.prototype.slice.call(arguments).map(function(t){return Array.isArray(t)?t[0]:t}),a=e.filter(function(t){return void 0!==t&&t.NumberOfLoanPrograms>0&&t.Aprs&&t.Aprs.length})
a.length>0?(a.forEach(function(t){var e=i.getRateViewModels(t.Aprs)
i.addRatesToResults(e)}),i.displayResults(),s||this.buildPagination(t+this.indexIncrement)):i.setResults({error:i.errorMessage})}.bind(this))}function o(){s(R)}function s(t){t&&Array.isArray(t)?t.forEach(function(t){t&&t.remove()}):t&&t.remove()}function l(t,e){R&&("disabled"===t?R.find("button").prop("disabled",e):R.attr(t,e))}function u(t){$(".rates-loading-animation-small-container").toggle(t)}function c(t){var e="rates-calculator-loadmore-error-hidden",a="#rates-calculator-loadmore-error"
t&&$(a).hasClass(e)?$(a).removeClass(e):$(a).addClass(e)}function d(t,e){u(!0),n.call(O,e).then(function(){u(!1),y({target:{value:g().val()}})})}function m(){return E.div({class:"spinner-container rates-loading-animation-small-container",id:"rates-loading-animation"})([E.div({class:"spinner-circle no-spinner-color-animation theme-title-text-spinner"})])}function h(t,e){var r="rates-calculator-pagination-container-"+t,n="rates-calculator-loadmore-button-"+t,o=E.span({id:"rates-calculator-loadmore-error",class:"rates-calculator-loadmore-error rates-calculator-loadmore-error-hidden"})()
return E.div({id:r,class:"rates-calculator-pagination","data-ref":"pager"})([o,E.button({id:n,class:"btn rates-calculator-loadmore-button","data-results-pane-ref":a(t,!0),"data-nextSliceIndex":e,onclick:function(t){d.call(O,t,+$(t.target).attr("data-nextSliceIndex"))}})("Show More"),m()])}function g(){return $("#"+D)}function p(t){var e=$(".mortgage-calculators-widget-results:first"),a=E.h3({class:"mortgage-calculators-widget-subtitle theme-title-text"})("Filter Loan Programs By"),r=E.div({class:"rates-select-filter-holder"}),n=E.select({id:"rates-program-filter-select",class:"rates-select-filter","aria-label":"Filter Loan Programs by",onchange:function(t){y(t)}})(f(t)),o=r([a,n])
return e.append(o),o}function f(t){return(t||[]).map(function(t){return E.option({value:t.value})(t.text)})}function y(t){var e=t.target.value,r=$(a(T))
e?(r.find("ul li div.rates-calculator-result-term div.rates-calculator-results-table-title").each(function(t){var a=this
a.parentElement.style.display=a.textContent===e?"block":"none"}),r.find("ul li div.rates-calculator-result-term div.rates-calculator-results-mobile-table-title").each(function(t){var a=this
a.parentElement.style.display=a.textContent===e?"block":"none"})):r.find("ul li div.rates-calculator-result-term").show()}function v(t){var e=g()
t.forEach(function(t){e.find('option[value="'+t.value+'"]').length>0||e.append(f([t])[0])})}function b(){return O.tableData?O.tableData.filter(P).reduce(function(t,e){var a={text:e.term,value:e.term},r=function(t){return t.value===a.value}
return 0===t.filter(r).length&&t.push(a),t},[{text:"Select All",value:""}]):[]}function P(t){var e=O,a=t.productGroupId?t.productGroupId:t.programId
return(+a==+e.productGroupIdsLoaded[0]||+a==+e.productGroupIdsLoaded[1])&&void 0!==t.programId&&!0===t.isFullyLoaded}function w(){return O.ratesApiSettings.productPricingProvider===EPPS}function M(t){return t?t.ProgramName:""}var R,T,C,A=window.Elli.utils,I=0,x=0,E=A.tags,D="rates-program-filter-select",O={tokenApiUrl:null,ratesApiUrl:null,widgetApiUrl:null,errorMessage:"Failed to get rates. Please try your request again.",noRatesMessageHeader:"We're sorry, we couldn't find any loan options for you at this time.",noRatesMessageBody:"Please retry by changing your loan criteria.",token:null,formData:{},id:T,siteId:null,loanAppWidgetId:null,tableData:[],startingIndex:0,endingIndex:6,indexIncrement:2,pageNumber:1,setResults:null,utils:null,productGroupIdsLoaded:[],ratesApiSettings:"",stateTooltipIcon:null,stateTooltipContent:null,init:function(){var t=document.querySelector("input[name=type][value=Rates]")
if(t){this.utils=A
var a=MortgageCalculatorUtils.closest(t,"mortgage-calculators-widget-form")
this.siteId=a.querySelector('input[name="site-id"]').value,this.tokenApiUrl=a.querySelector('input[name="token-api-url"]').value,this.tokenApiUrl.indexOf("/v1/token")<0&&(this.tokenApiUrl+="/v1/token"),this.ratesApiUrl=a.querySelector('input[name="rates-api-url"]').value,this.ratesApiUrl.indexOf("/v0.9/rates")<0&&(this.ratesApiUrl+="/v0.9/rates"),this.ratesApiSettings=e(),this.showHideDependentFields(),(this.ratesApiSettings.productPricingProvider===OB||MortgageCalculatorUtils.isEPCPPE())&&(this.stateTooltipIcon=document.querySelector("#state-icon-tooltip"),this.stateTooltipContent=document.querySelector("#state-tooltip-content"),this.setupTooltipEventListeners(this.stateTooltipIcon,this.stateTooltipContent),document.addEventListener("keydown",this.closeTooltipOnKeyPress.bind(this)))}},calculateRates:function(t,a,r){this.ratesApiSettings=e(),this.formData=t,this.id=a,T=a,this.setResults=r,this.resetRates(),this.setResults({ratesspinner:!0}),this.getRates()},resetRates:function(){this.startingIndex=0,this.endingIndex=6,this.indexIncrement=2,this.pageNumber=1,this.tableData=[],this.produtGroupIdsLoaded=[],I=0,s([R,C]),R=void 0,C=void 0
var t=document.getElementById(a(this.id,!1))
t&&(t.innerHTML="")},setupTooltipEventListeners:function(t,e){t&&(t.addEventListener("focus",this.openTooltip.bind(this,e)),t.addEventListener("mouseenter",this.openTooltip.bind(this,e)),t.addEventListener("mouseleave",this.closeTooltip.bind(this,e)),t.addEventListener("blur",this.closeTooltip.bind(this,e)))},openTooltip:function(t){t.classList.remove("hidden")},closeTooltipOnKeyPress:function(t){"Escape"===t.key&&(t.preventDefault(),this.stateTooltipContent.classList.add("hidden"))},closeTooltip:function(t){t.classList.add("hidden")},displayResults:function(){var t=document.getElementById(a(this.id,!1)),e={},n=document.getElementById("summary")
if(this.buildResults(t),n)switch(this.formData.loanpurpose.value){case"Purchase":e={summary:{"Loan Purpose":this.formData.loanpurpose.value,"Purchase Price":this.formData.purchaseprice.value,"Down Payment":this.formData.downpaymentamount.value}}
break
case"Cash-Out Refinance":e={summary:{"Loan Purpose":this.formData.loanpurpose.value,"Cash Out Amount":this.formData["cash-outamount"].value,"Estimated Value":this.formData.estimatedvalue.value}}
break
case"No Cash-Out Refinance":e={summary:{"Loan Purpose":this.formData.loanpurpose.value,"Estimated Value":this.formData.estimatedvalue.value,"Loan Amount":this.getLoanAmount()}}
break
default:e={loanamount:this.getLoanAmount()}}else e={loanamount:this.getLoanAmount()}
this.setResults(e)
var o=b()
window.setTimeout(function(){var t=$(a(this.id,!0)),e=t.find("ul li")
t.find("ul").empty().append(e),C?v(o):C=p(o),r()}.bind(this))},buildResults:function(t){var e=this,a=this.tableData.filter(P),r=e.buildResultsTable(a),n=e.buildMobileResultsTable(a),o=E.ul({id:"rates-list-"+this.id,class:"rates-calculator-results"})
$(t).append(o(r).append(o(n)))},getDiscountPointData:function(t){void 0===t&&(t={})
var e=(t.points||0===t.points)&&t.points.toFixed(3)||"",a=" points",r=t.discountPointsData||{}
return r.BorPaidAmount?(a=" discount points",e=MortgageCalculatorUtils.formatNumbers(r.BorPaidAmount.toFixed(2),2,!0),e="$"+e):r.Amount&&(a=" lender credit",e=MortgageCalculatorUtils.formatNumbers(r.Amount.toFixed(2),2,!0),e="-$"+e),{points:e,pointsText:a}},shouldHideDiscountPoints:function(){var t=e(),a=MortgageCalculatorUtils.isEPCPPE()?t.pricingEngineProviders.PPE[t.productPricingProvider]:t.pricingEngineProviders[t.productPricingProvider]
if(a)return a.hideDiscountPoints},groupResultsBy:function(t,e){return t.reduce(function(t,a){var r=a[e]
return t[r]||(t[r]=[]),t[r].push(a),t},{})},buildResultsTable:function(t){var e="",a="",r=[],n=this.groupResultsBy(t,"term"),o=this.shouldHideDiscountPoints(),i=this
return Object.keys(n).forEach(function(t){for(var s=n[t][0].term+" rates result table",l=o?"":'<th scope="col" class="rates-calculator-results-th">Points</th>',u='<div class="rates-calculator-results-table-title">'+n[t][0].term+"</div>",c='<table class="rates-calculator-results-table" summary="'+s+'"><tr class="rates-calculator-results-tr"><th scope="col" class="rates-calculator-results-th">Rate</th><th scope="col" class="rates-calculator-results-th">APR</th><th scope="col" class="rates-calculator-results-th">Monthly Payment</th>'+l+"</tr>",d=0;d<n[t].length;d++){if(a+='<tr class="rates-calculator-results-tr"><td class="rates-calculator-results-td td-big">'+Number(n[t][d].rate).toFixed(3)+'%</td><td class="rates-calculator-results-td td-big">'+Number(n[t][d].apr).toFixed(3)+'%</td><td class="rates-calculator-results-td td-small">'+A.stringBuilder("$"+n[t][d].payment)+"</td>",!o){var m=i.getDiscountPointData(n[t][d]),h=m.points
a+='<td class="rates-calculator-results-td td-small">'+h+"</td>"}a+="</tr>"}e=u+c+a+"</table>",r.push(E.div({class:"rates-calculator-result-term"})(e)),a=""}),E.li({class:"rates-calculator-result"})(r)},buildMobileResultsTable:function(t){var e="",a="",r=[],n=this.groupResultsBy(t,"term"),o=this.shouldHideDiscountPoints(),i=this
return Object.keys(n).forEach(function(t){for(var s=n[t][0].term+" rates result table",l='<div class="rates-calculator-results-mobile-table-title">'+n[t][0].term+"</div>",u='<table class="rates-calculator-results-mobile-table" summary="'+s+'">',c=0;c<n[t].length;c++){var d=c%2==1?"rates-calculator-results-mobile-odd-tr":"rates-calculator-results-mobile-even-tr"
if(a+='<tr class="'+d+' top"><th scope="row" class="rates-calculator-results-th th-big">Rate</th><td class="rates-calculator-results-td td-big">'+Number(n[t][c].rate).toFixed(3)+'%</td></tr><tr class="'+d+'"><th scope="row" class="rates-calculator-results-th th-big">APR</th><td class="rates-calculator-results-td td-big">'+Number(n[t][c].apr).toFixed(3)+"%</td></tr>",o)a+='<tr class="'+d+' bottom"><th scope="row" class="rates-calculator-results-th th-small">Monthly Payment</th><td class="rates-calculator-results-td td-small">'+A.stringBuilder("$"+n[t][c].payment)+"</td></tr>"
else{var m=i.getDiscountPointData(n[t][c]),h=m.points
a+='<tr class="'+d+'"><th scope="row" class="rates-calculator-results-th th-small">Monthly Payment</th><td class="rates-calculator-results-td td-small">'+A.stringBuilder("$"+n[t][c].payment)+'</td></tr><tr class="'+d+' bottom"><th scope="row" class="rates-calculator-results-th th-small">Points</th><td class="rates-calculator-results-td td-small">'+h+"</td></tr>"}}e=u+l+a+"</table>",r.push(E.div({class:"rates-calculator-result-term"})(e)),a=""}),E.li({class:"rates-calculator-result"})(r)},buildPagination:function(t){o(),R=h(this.id,t),$(a(this.id,!0)).after(R)},getRates:function(){var t=this.getApiRequestBody(),e=this,a=function(a){$.ajax({method:"POST",url:e.ratesApiUrl+"?include=products&siteId=site:"+e.siteId,data:JSON.stringify(t),contentType:"application/json",headers:{Authorization:"Bearer "+a},success:function(t){e.retryAttempted=!1,t.Aprs&&t.Aprs.length&&0!==t.NumberOfLoanPrograms?(e.tableData=e.getLoanProgramViewModels(t.Aprs),x=e.tableData.length,e.getAllLoanProgramDetails(0)):(e.setResults({noresults:[e.noRatesMessageHeader,e.noRatesMessageBody]}),e.disableForm(!1))},error:function(t){t&&401===t.status&&!e.retryAttempted?(e.clearToken(),e.retryAttempted=!0,e.getRates()):(e.retryAttempted=!1,e.disableForm(!1),e.setResults({noresults:[e.noRatesMessageHeader,e.noRatesMessageBody]}))}})}
this.resetRates(),this.disableForm(!0),this.getToken(function(t){a(t)})},getLoanProgramViewModels:function(t){for(var e=[],a=0;a<t.length;a++){var r=t[a],n=r.MortgageRateList[0],o=M(n),i=n?n.LoanId:"",s="Loan"+i+(r.ProductGroupID?"ProductGroup"+r.ProductGroupID:"Program"+r.ProgramID)
e.push({id:s,term:o,loanId:i,productGroupId:r.ProductGroupID,programId:r.ProgramID,isFullyLoaded:!1,isRootProgramRecord:!0})}return e},getRateViewModels:function(t){for(var e=[],a=0;a<t.length;a++)for(var r=0;r<t[a].MortgageRateList.length;r++){var n=t[a].MortgageRateList[r],o=n.ClosingCostContract.Gfe2010.Gfe2010Fees.filter(function(t){return"Section800LOCompensation"===t.Gfe2010FeeParentType}),i="Loan"+n.LoanId+(n.ProductGroupID?"ProductGroup"+n.ProductGroupID:"Program"+n.ProgramID)
e.push({id:i,loanId:n.LoanId,productGroupId:n.ProductGroupID,programId:n.ProgramID,term:M(n),apr:n.APR,rate:n.Rate,payment:n.MonthlyPayment,points:n.Points,isFullyLoaded:!0,isChildProgramRecord:!0,discountPointsData:o[0]})}return e},getToken:function(t){var e=this,a=function(e){"function"==typeof t&&t(e)}
if(this.token)return void a(this.token)
var r=["grant_type=client_credentials","scope="+encodeURIComponent("ccbp cc")]
return $.ajax({method:"POST",url:this.tokenApiUrl,data:r.join("&"),headers:{Authorization:"Basic OHNyeXFkc3k6Rm1iVjh0YnNUVlZDZVlVVkdPa0g3empSQW9HRjM1Vnp1TFhDb2pvZlcySHg4RmJKempreUJWZDk2U3h1dzBoUA==","Content-Type":"application/x-www-form-urlencoded;charset=utf-8;"},success:function(t){e.token=t.access_token,a(e.token)},error:function(){e.setResults({error:e.errorMessage})}})},clearToken:function(){this.token=null},getLoanAppSettings:function(){var t=this
$.ajax({method:"GET",url:this.widgetApiUrl,headers:{Authorization:"Bearer "+this.token},success:function(t){console.log(t)},error:function(e){t.setResults({error:t.errorMessage})}})},getAllLoanProgramDetails:n,removeLoanFromResults:function(t){var e=this.getIndexOfLoan(t)
this.tableData.splice(e,1)},getIndexOfLoan:function(t){for(var e=0;e<this.tableData.length;e++)if(this.tableData[e].id===t)return e
return this.tableData.length},addRatesToResults:function(t){var e=this.getIndexOfFirstIncompleteRate()
Array.prototype.splice.apply(this.tableData,[e,0].concat(t))},getIndexOfFirstIncompleteRate:function(){for(var t=0;t<this.tableData.length;t++)if(void 0===this.tableData[t].apr)return t
return this.tableData.length},getLoanAmount:function(){return"Purchase"===this.formData.loanpurpose.value?this.formData.purchaseprice.value-this.formData.downpaymentamount.value:this.formData.loanamount.value},getApiRequestBody:function(){var t=this.ratesApiSettings||e(),a={}
RatesFieldMapping?a=RatesFieldMapping.config.mappings:console.error("Unable to find rate field mapping json")
var r=function(t){return"Detached-Single"===t||"Detached-Multi"===t?"Detached":t},n={LoanPurpose:this.formData.loanpurpose.value,LoanType:function(t){return(MortgageCalculatorUtils.isEPCPPE()?t.pricingEngineProviders.PPE[t.productPricingProvider]:t.pricingEngineProviders[t.productPricingProvider]).loanTypes.filter(function(t){return t.enabled}).map(function(t){return"USDA-RHS"===t.name?"FarmersHomeAdministration":t.name}).join(",")}(t),PropertyUsage:this.formData.propertyusage.value,PropertyType:this.formData.propertytype.value,SubjectPropertyZip:this.formData.zipcode.value,SubjectPropertyState:this.formData.state.value,BorrowerBaseIncome:+this.formData.annualincome.value-12*this.formData.monthlydebt.value,Representativecreditscore:this.formData.creditscore.value,AmortizationType:this.formData.amortizationtype.value,NumberOfUnits:function(t,e){var a=1
return e.numberofunits&&e.numberofunits.value&&!e.numberofunits.isHidden?a=parseInt(e.numberofunits.value):"2+ Units"===t&&(a=2),a}(this.formData.propertytype.value,this.formData)}
return $.extend(!0,n,function(e){var n=e.loanpurpose.value,o=e.propertyusage.value,i=e.creditscore.value,s=e.amortizationtype.value,l=e.propertytype.text,u={},c=t.pricingEngineProviders.PPE,d=!!c&&c[t.productPricingProvider]
switch(n){case"Purchase":u.PurchasePrice=+e.purchaseprice.value,u.BorrowerRequestedLoanAmount=u.PurchasePrice-e.downpaymentamount.value
break
case"Cash-Out Refinance":u.CashoutAmount=+e["cash-outamount"].value,u.EstimatedValue=+e.estimatedvalue.value,u.BorrowerRequestedLoanAmount=+e.loanamount.value
break
case"No Cash-Out Refinance":u.LoanPurpose="NoCash-Out Refinance",u.EstimatedValue=+e.estimatedvalue.value,u.BorrowerRequestedLoanAmount=+e.loanamount.value}if(d?(u.PropertyUsage=a.PropertyUsage[o][EPC],u.Representativecreditscore=a.Representativecreditscore[i][EPC],u.AmortizationType=a.AmortizationType[s][EPC],u.PropertyType=r(a.PropertyType[l][EPC]),"Detached-Single"===u.PropertyType&&(u.PropertyType="Detached")):(u.PropertyUsage=a.PropertyUsage[o][t.productPricingProvider],u.Representativecreditscore=a.Representativecreditscore[i][t.productPricingProvider],u.AmortizationType=a.AmortizationType[s][t.productPricingProvider],u.PropertyType=a.PropertyType[l][t.productPricingProvider]),w())"ManufacturedHousingMultiwide"===u.PropertyType&&(u.PropertyType="ManufacturedHousing")
else{var m=d?a.NonEppsFieldPostPayload[EPC]:a.NonEppsFieldPostPayload[t.productPricingProvider]
Object.keys(m).forEach(function(t){var a=""
if(m[t].formValue.hasOwnProperty("mapToFormKey")){var r=m[t].formValue.mapToFormKey,n=m[t].formValue.hasOwnProperty("type")?m[t].formValue.type:"string"
if(e[r])switch(n){case"number":a=+e[r].value
break
case"boolean":a=Boolean(e[r].value)
break
default:a=e[r].value}}else a=m[t].formValue
u[t]=a})}return u}(this.formData)),n},disableForm:function(t){var e=document.getElementById("mortgage-calculators-widget-form-js-"+this.id)
if(e){for(var a=e.elements,r=0,n=a.length;r<n;++r)a[r].disabled=t
l("disabled",t)}},lookupCounty:t.bind(this),showHideDependentFields:function(){var t=document.querySelectorAll("input[name=type][value=Rates]")
for(i=0;i<t.length;i++){var e=t[i]
if(e&&e.form){for(var a=e.form.querySelectorAll("input[data-parent-options]"),r=[],n=0;n<a.length;n++)if(a[n].dataset.hasOwnProperty("parentOptions")){var o=a[n].dataset.parent.replace(/ /g,"").toLowerCase()
r.indexOf(o)<0&&r.push(o)}for(var s=0;s<r.length;s++){const l=new Event("change"),u=document.querySelector('[name="'+r[s]+'"]')
u&&u.dispatchEvent(l)}}}}}
return O}()
RatesCalculator.init()