document.getElementById("calc3").innerHTML = '<table width="450" border="0" cellspacing="0"><tr align="center">'+
'<td colspan="2" bgcolor="#FCF5DA"><span class="style2"><strong>Refinance Interest Savings</strong></span></td></tr><tr>'+
'<td colspan="2" bgcolor="#FCF5DA"><span class="style2">Use this calculator to find out how much interest interest will be saved by refinancing, if any.  This calculator assumes you\'ll refinance for the same loan term (ie. 30 years).</span></td></tr>'+
'<tr class="style2"><td>Original amount of mortgage:</td><td>$<INPUT class="textbox" TYPE="text" ID="upb333" SIZE=10></td></tr>'+'<TR class="style2"><TD>Original mortgage interest rate:</TD><TD><INPUT class="textbox" TYPE="text" ID="rate1333" SIZE=4>%</TD></TR>'+
'<TR class="style2"><TD>Current mortgage balance:</TD><TD>$<INPUT class="textbox" TYPE="text" ID="upb2333" SIZE=10></TD></TR>'+
'<TR class="style2"><TD>Refinancing interest rate:</TD><TD><INPUT class="textbox" TYPE="text" ID="rate2333" SIZE=4>%</TD></TR>'+
'<TR class="style2"><TD>Refinancing closing costs:<br/><span class="style1">(including loan origination fees and points; consult loan officer for list of closing costs)</span></TD><TD>$<INPUT class="textbox" TYPE="text" ID="cost333" SIZE=10></TD></TR>'+
'<TR><TD align="center" COLSPAN=2><button onClick="calculate333()">Calculate</button></TD></TR>'+
'<TR class="style2"><TD>Original monthly payment:</TD><TD>$<span ID="payment1333"></span></TD></TR>'+
'<TR class="style2"><TD>New monthly payment:</TD><TD>$<span ID="payment2333"></span></TD></TR>'+
'<TR class="style2"><TD>Monthly savings:</TD><TD>$<span ID="saving333"></span></TD></TR>'+
'<TR class="style2"><TD>Months to break even:</TD><TD><span ID="months333"></span> months</TD></TR>'+
'<TR class="style2"><TD>Original mortgage total interest:</TD><TD>$<span ID="origint333"></span></TD></TR>'+
'<TR class="style2"><TD>Refi mortgage total interest:</TD><TD>$<span ID="refiint333"></span></TD></TR>'+
'<TR class="style2"><TD>Interest savings:</TD><TD>$<span ID="diffint333"></span></TD></TR>'+
'<TR><TD class="style2" colspan="2"><span id="summary333"></span></TD></TR>'+
'<tr><td align="center" bgcolor="#FCF5DA" colspan="2" class="style2"><a href="http://www.mortgagemagic.info/">Mortgage Marketing</a> and <a href="http://www.freemortgagenewsletters.com">Free Mortgage Newsletters available now</a>.</td></tr><tr><td bgcolor="#FCF5DA" colspan="2" class="style1">This information and&nbsp;calculator&nbsp;is a self-help tool for your independent use and&nbsp;is not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your&nbsp;personal situation.&nbsp;Please seek the help of a qualified mortgage specialist or&nbsp;other qualified professional&nbsp;regarding all personal finance issues.</td></tr></table>';

function calculate333(){
var F1 = 1.0; 
var F2 = 1.0;
var r1 = eval(document.getElementById("rate1333").value)/1200;
var r2 = eval(document.getElementById("rate2333").value)/1200;
for (t=0; t<360;t++){
 F1 = F1*(1+r1);
 F2 = F2*(1+r2); }
UPB1 = eval(document.getElementById("upb333").value);
 pmt1 = UPB1*r1*F1/(F1-1.0);
UPB2 = eval(document.getElementById("upb2333").value);
pmt2 = UPB2*r2*F2/(F2-1.0);
document.getElementById("payment1333").innerHTML = addCommas333(parseInt(pmt1));
document.getElementById("payment2333").innerHTML = addCommas333(parseInt(pmt2));
savings = pmt1 - pmt2;
document.getElementById("saving333").innerHTML = addCommas333(parseInt(savings));
monthb = eval(document.getElementById("cost333").value)/savings;
document.getElementById("months333").innerHTML = parseInt(monthb);


var origint = UPB1 * ((r1*360)/(1-Math.pow(1+r1,-360))-1);
var refiint = UPB2 * ((r2*360)/(1-Math.pow(1+r1,-360))-1);

document.getElementById("origint333").innerHTML = addCommas333(Math.round(origint,2));
document.getElementById("refiint333").innerHTML = addCommas333(Math.round(refiint,2));
document.getElementById("diffint333").innerHTML = addCommas333(Math.round(origint,2) - Math.round(refiint,2));

if (parseInt(pmt1)>=parseInt(pmt2)) {
document.getElementById("summary333").innerHTML = "<strong>By refinancing, you'll save $" + addCommas333(document.getElementById("saving333").innerHTML) + " each month.  However, you'll need to stay in your house for a minimum of " + document.getElementById("months333").innerHTML + " months in order to recoup closing costs associated with refinancing.  Over the life of the new loan, you'll save $" + addCommas333(document.getElementById("diffint333").innerHTML) + " in interest charges.</strong>";
}
else {
document.getElementById("summary333").innerHTML = "<strong>You should not refinance because you will not save any money each month!  Additionally you'll spend an extra $" + addCommas333((-1*(Math.round(origint,2) - Math.round(refiint,2)))) +" in interest charges.</strong>";
}

}

function addCommas333(nStr)
{
	nStr += '';
	x = nStr.split('.');
	x1 = x[0];
	x2 = x.length > 1 ? '.' + x[1] : '';
	var rgx = /(\d+)(\d{3})/;
	while (rgx.test(x1)) {
		x1 = x1.replace(rgx, '$1' + ',' + '$2');
	}
	return x1 + x2;
}